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2005 Apr 11, 5:00pm   208,124 views  117,730 comments

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76   Patrick   2009 Apr 28, 4:05am  

This is a good topic. I will start a new thread on medical costs.
77   HeadSet   2009 Apr 28, 4:05am  

FAB says: I was told that the X Rays were not going to be covered by my insurance and I got a bill for about $1K. $1,000 for X-rays? I get full panoramic X-rays every year, and combined with the exam and cleaning the bill is under $300. And DS's comment that the UK NHS covers dental is very surprising. I have seen many English, including some well to do, who have oral conditions that make me think they have never heard of a dentist. Definitely not an orthodonist.
78   DinOR   2009 Apr 28, 4:12am  

Headset, In San Francisco!? LOL! Another reason I feel that HC costs have gotten SO out of hand was just like anything else, The Wealth Effect! What's next? Having to pay for parking when you go to have an appointment at the clinic? I mean after all, what hasn't had the patented REIC "these are people that -have- money" standard applied to it?
79   Claire   2009 Apr 28, 4:19am  

NHS does not cover much dental - a lot of dentists have gone private so they can charge more and only some people are able to get totally free dental treatment for necessary procedures ( think fillings) - children, old people and those on social security. Orthodontics - much more teasing if you have braces as a kid in the UK and lots of people think you don't really need them - just cosmetic. Also, dentists in the UK have a bad reputation for painful injections etc - so many people avoid them until it's absolutely necessary.
80   FormerAptBroker   2009 Apr 30, 12:48am  

DinOR Says: > FAB, Good for you! ( Actually I thought a comm. appraisal was > more like 5-6K at a min. ) In recent years most (fully self contained narrative MAI) commercial appraisals for CMBS loans have been around $3-4K. I just did a few page Brokers Opinion of Value (since I'm not a licenses appraiser)...
81   FormerAptBroker   2009 Apr 30, 1:03am  

repo4sale Says: > I sold 198 properties with a 1165% avg. Gross > profit, with a 23.65 month avg. hold. How about some details on just one “average” deal? An example of a 1165% return would be buying a condo in Santa Ana for $300K with $100 K down and selling it for $1.5mm 24 months later (the rent for 24 months would be less than the cost of sale)…
82   zetabeos   2009 May 1, 4:12pm  

If your concerned over your child's education, suggest you send them to a private school. You can skip Cupertino and send them to Bellermine, Presentation or St Francis. After all many who been here decades favor these over all other. Do you rather overpay 200-300K or spend a fraction on private school ? Even in Cupertino you will see pretty large declines.
83   DennisN   2009 May 1, 6:06pm  

Isn't tuition there about $15k a year? If you have a lot of kids, that could add up pretty quickly: $60k per kid per high school. You could break even with 4 or 5 kids.
84   elliemae   2009 Jun 1, 1:50pm  

So.... who is the pic of? Just curious.

85   Patrick   2009 Jun 1, 1:53pm  

Me, in 4th grade.

86   Patrick   2009 Jun 3, 7:04am  

I also made each comment author's name a link to all of that author's posts.

87   sfbubblebuyer   2009 Jun 3, 8:57am  

It's only a problem if they buy them at whatever the bank owes on them. What they SHOULD do is offer 20% of what the peak value was, and if they get a home at that price, put the refugees in there and let them apply their rent to buying it. It beats plowing them under.
88   Patrick   2009 Jun 3, 9:24am  

Fox News is not a serious news source. The story may be true, but they have such low standards that you should not count on it. They specialize in riling people up. Here's a description of a bogus story from them about a rail line from Disneyland to a brothel: http://news.gaurc.us/?p=1462
89   sfbubblebuyer   2009 Jun 3, 9:30am  

See, now I could see the use of a rail line from Disneyland to a brothel at least.
90   Patrick   2009 Jun 3, 11:09am  

OK, but find it in a more reputable source and I'll be more convinced. There's a certain lizard-brain nerve that Fox is optimized for poking. That's all they do.
91   Patrick   2009 Jun 4, 8:58am  

And here is a more reputable source, the AP: http://www.wkrg.com/weather/article/fema_may_use_foreclosed_homes_as_shelters/76237/ So it does seem to be true that FEMA is considering that.
92   elliemae   2009 Jun 14, 11:33pm  

On the other hand, it will give the banks & note holders sufficient time to get ready to file thousands of foreclosures. I don't know enough about this moratorium, does it mean that all foreclosure activity will cease or just the part where they toss the people out on their asses? This means that my sister, who was due to be kicked out next month sometime, will have a 90 day reprieve during which time she'll save NO money nor will she make any solid plans.
93   Brazos   2009 Jun 14, 11:55pm  

Laws governing how property may be foreclosed have always been a matter of state law. Just like rules regarding how real estate is transferred, how title to property is recorded, etc. As far as the source of the authority, states generally retain the right to enact any law that is not prohibited by either the state or federal constitution. The question you should be asking is what statute or constitutional provision would prevent a state from enacting a foreclosure moratorium. I can't think of any off the top of my head. It would only clearly become an unlawful taking of property if the moratorium were indefinite or permanent.
94   TechGromit   2009 Jun 15, 2:28am  

I was there. A friend of my Wife took us there when we were on vacation in Las Vegas two years ago. It's a man made lake north of the city. Lots of golf courses, a made made river and several waterfalls were at the enterance. (run on pumps) There a small shopping area in the downtown of the village. Lots of hills around so people could have hilltop houses over looking the lake. It was pretty empty in the downtown shopping area when we were there, not sure if it was the time of day or just indication of how bad things were there even then.
95   kt1652   2009 Jun 15, 4:30am  

This is another useless attempt by govnt to reinflate RE. The banks can hold back foreclosures for a few months while the selling season winding down in the fall. This artificially suppresses the REO inventory in Jan/Feb of next year. Come spring, the RE cheerleaders will trumpet the market has bottomed and hope to fan up a feeding frenzy. It isn't going to work because the internet is enpowering buyers to be better informed and high unemployment, rising interest rate will choke off the supply of trade-up buyers. This is a sham because the "hold" is optional if the bank has a loan mod program in place. Which major bank doesn't have a program? There is no measure of mod success or rate of approval. It squeals but doesn't pass the smell test.
96   Brazos   2009 Jun 15, 3:20pm  

THanks Brazos. well, now I have another question. WHen does the ball pass from state to national?
At one time, the Supreme Court would not have permitted Congress to enact a law such as a foreclosure moratorium, reasoning that it was beyond the power of the federal government. However, beginning with the New Deal and onward, the power of the federal government has expanded, and the Supreme Court has upheld most laws as long as they touch upon some part of interstate commerce. Traditionally, laws governing real property would not have been considered part of interstate commerce, but with the securitization of mortgages, that argument is gone.
Also, where does “equal protection” laws come into play? I was not protected, nor would I be treated in the same manner for not paying my rent, as these non-buyers. And what if a person were removed from their home last Thursday. They may have a reason to bring suit — I mean if the only reason a person is still in their home at this time is because some lazy person at the bank did not get thier file completed on time, but another hard working employee got their work done and that resulted in a non-buyer getting tossed out under the deadline … I think we have an issue.
First, equal protection only precludes laws that have "no rational basis" -- which essentially is no prohibition at all -- unless the law singles people out on the basis of race, religion, or gender, at least at the federal level. In CA, sexual orientation is also included. But equal protection has never required that all laws treat everyone the same. A bank not foreclosing, however, does not implicate equal protection. Generally speaking, our constitutional rights only protect us from state action, not actions by private parties. E.g., Patrick deleting your posts would not be a First Amendment violation, because he is not a state actor. Obviously, constitutional law is a bit more complex than the above summary, but these are the basic concepts.
97   elliemae   2009 Jun 15, 11:20pm  

"I'm from the Government and I'm here to help you..."
98   dont_getit   2009 Jun 16, 10:51am  

“I’m from the Government and I’m here to help you…” Ironic that the person who uttered those words (sarcastically) was responsible for the biggest increase in government spending in history, only to be outdone by George W. Bush. More like: “I’m from the government and I’m here to bankrupt the country.”
Dont get me started on that. Even today he embraced the same shithole policy from Bush not allowing CREW access to who lobbies to him directly? What f*** change?
99   hgjjf   2009 Jun 16, 3:58pm  

Reagan, Obama, same diff. :)
100   nope   2009 Jun 17, 4:50pm  

THanks Brazos. well, now I have another question. WHen does the ball pass from state to national?
At one time, the Supreme Court would not have permitted Congress to enact a law such as a foreclosure moratorium, reasoning that it was beyond the power of the federal government. However, beginning with the New Deal and onward, the power of the federal government has expanded, and the Supreme Court has upheld most laws as long as they touch upon some part of interstate commerce. Traditionally, laws governing real property would not have been considered part of interstate commerce, but with the securitization of mortgages, that argument is gone.
Also, where does “equal protection” laws come into play? I was not protected, nor would I be treated in the same manner for not paying my rent, as these non-buyers. And what if a person were removed from their home last Thursday. They may have a reason to bring suit — I mean if the only reason a person is still in their home at this time is because some lazy person at the bank did not get thier file completed on time, but another hard working employee got their work done and that resulted in a non-buyer getting tossed out under the deadline … I think we have an issue.
First, equal protection only precludes laws that have “no rational basis” — which essentially is no prohibition at all — unless the law singles people out on the basis of race, religion, or gender, at least at the federal level. In CA, sexual orientation is also included. But equal protection has never required that all laws treat everyone the same. A bank not foreclosing, however, does not implicate equal protection. Generally speaking, our constitutional rights only protect us from state action, not actions by private parties. E.g., Patrick deleting your posts would not be a First Amendment violation, because he is not a state actor. Obviously, constitutional law is a bit more complex than the above summary, but these are the basic concepts. You need to go back further than the New Deal. The big shift in attitude about federal power happened during the Civil War. Going from "the united states are" to "the united states is" was the massive shift in authority. Everything since then has been incremental. Of course, most of this was inevitable. What we have today is just frustrating -- we have a big federal government that sucks up a lot of money and is responsible for doing a lot, and we still have big state governments doing the same. The amount of redundancy between the two is just staggering. I'd much prefer either state governments with a very thin layer of federal glue to hold them together, or a strong federal government with states mostly being responsible for issues like land use policies. Either way would work equally well from my perspective.
101   mikey   2009 Jun 19, 3:39am  

Palin would make the perfect host for Family Feud.
102   elliemae   2009 Jun 19, 6:08pm  

You've been pre-approved by SIX lenders, and she wants you to do it with another? WTF? IMHO it's a good idea to be pre-approved with your lender of choice, but it's "subject to..." anyway. As in, subject to finding a place & it appraising for an appropriate amount & your continued employment, etc. But she's a salesperson. She doesn't want to show you any more houses until you get pre-approved? Fuck her and the leased SUV she rode in on. Find a realtor who will show you what you want on your terms. She's full of herself acting as if she suspects she's wasting her time on you. If she's that busy that she can't help you find the house you want in the price range you want, fire her. Find someone who doesn't feel they're wasting their time, or go solo. You don't need a realtor anyway, unless the bank owns the place you buy and she insists.
103   elliemae   2009 Jun 20, 2:27pm  

If it's listed by a realtor, you'll have to go thru the realtor to buy (that sucks). If you go directly thru the realtor listing the home you have the opportunity to save 2-3% of the price by negotiating down. The realtor keeps all the commission, doesn't have to split it with anyone. If its FSBO, you can either download forms from the interweb, choose a good title company & ask if they have blanks (mine did), or you can call a real estate lawyer to help you for substantially less than the commission normally charged by a realtor. The contract is then taken to a title company and they'll help guide you through the sale, along with your mortgage company or bank. Realtors fill out a little paperwork and unlock a door. For that they get 6 or 7%. If you do your homework you don't have to pay those rat bastards.
104   zetabeos   2009 Jun 21, 8:15am  

" Tell this realtor to do the job they are being paid to do, which is to submit your offer to the owner, shut up, and get out of the way" Thomhall is spot on. Never tell realtors how much your willing to spend, how much you make, savings, and even your employer name. It will be used against you to get more money out of you. 10 years ago during the start at the tech and RE bubble, your empolyers name, knowledge about any stock options gave the realtors, and then current raising stock prices gave enough ammo to REA to pump prices higher.
105   elliemae   2009 Jun 21, 11:12am  

I made the mistake of telling my realtor (yes, kiddies, I used one when I bought and I do regret having paid an extra $10k to the seller) the amount for which I was preapproved. She only showed me homes at the top end of my price range - and she didn't care what I was looking for. She actually showed me her daughter's home first - a shithole - and when we had a "come-to-jesus discussion she cried. She told me that she was looking out for me and my best interests. It's interesting to note that she just filed bk, and lost her home. Meanwhile, I live in a home that is at the lower end of my price range and am happier than hell in it. Still have a little phantom equity ($46k +/-) with a payment less than $800/mo, piti. Hell, I could hurt myself patting myself on the back right now.
106   dont_getit   2009 Jun 22, 7:52am  

I agree with others. Fire her, get a new one. The fact that you are pre-approved means you are serious and not wasting anyone's time. I also think that she wants this because she will get the commission from the loan agent she refers, and she would know you highest price range to show you the houses in that range to maximize her commission. Screw her and get a new one who will work for you in your terms. You are at an advantage here, hello buyer here!
107   Tomrisk   2009 Jun 22, 8:20am  

The problem is you. You show the weak side to your Realtor, he/she taking advantage from you and push you around. Doesn't matter if you fire him/her and switch to other one, it will happen again if you keep showing your weak side. Learn how to train a Dog, they want a strong leader, then they will follow. Remember this: "Realtor is nothing more than a Dog", they will either bite your attacker or just bite you.
108   Austinhousingbubble   2009 Jun 22, 1:20pm  

...cause only loosers rent apartments.
109   Austinhousingbubble   2009 Jun 22, 4:49pm  

Thom, I was only ribbing you - paraphrasing your remark above.
110   grywlfbg   2009 Jun 24, 10:45am  

Uh, you're kidding about this right? There is a reason that America (along w/ the West in general) is the CENTER of innovation in the world. Our patent and trademark and system definitely needs work but it is what ALLOWS the small guy to actually be able to beat the big companies. Without that protection innovation would cease. No one will work on anything new and innovative if it can just be stolen.

How many NEW products (ie not modifications of existing technology) has China produced in the last 20 years vs the US?

There's also a whole other discussion about how the West vs East teach their kids which results in different skillsets in this area.

Plus your arguments are contradictory. In one paragraph you say that we need to be more like China and then later you say that govt taking over business doesn't solve the problems. Hello!? In China the govt owns everything.

111   Austinhousingbubble   2009 Jun 24, 11:19am  

Riley is correct in that the best ideas are sometimes bought up by big corporations and shelved, usually if the invention in question is a threat to their industry. One example would be the special electric battery designed for the proto-electric car that was bought by one of the big petroleum companies. But I would cite such as examples as more of a shortcoming of free industry - almost a trifle compared to the drudgery of draconian rule, which seems like it would be an impediment to the very fundamentals of invention.

112   nope   2009 Jun 24, 4:18pm  

Because of our corruptable form of government,

Holy shit, there's a form of goverment that isn't? Sign me up!

Uh, you’re kidding about this right? There is a reason that America (along w/ the West in general) is the CENTER of innovation in the world. Our patent and trademark and system definitely needs work but it is what ALLOWS the small guy to actually be able to beat the big companies. Without that protection innovation would cease. No one will work on anything new and innovative if it can just be stolen.

Yeah! Who would work on technology if they couldn't prevent people from "stealing" what they're doing? People who want to fix the IP system make me so mad that I almost crash firefox!

113   HeadSet   2009 Jun 25, 5:59am  

rileybryan says

Laws must be put in place to make sure that a patent cannot be slightly modified and resubmitted, creating perpetual patents.

That "slight modification" has beem plagueing us for a long time. I can see a patent on a transister, but not on the Darlington Circuit which is really just two transisters stuck together. That Darlington patent is from the early 50's.

114   Patrick   2009 Jun 26, 11:20am  

The house Patrick grew up in. A bargain at $150,000, down from $250,000. Might make a decent rental. Rent would be about $1,000 per month.
115   Patrick   2009 Jun 27, 4:13am  

Thanks! I did not know about 1 and 2. The others are on my to-fix list and will probably get fixed in the next few weeks.

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