OT: Engagement Rings

[davelj]

[quote=CA renter]

Maybe that’s why the female Piggs find your posts so offensive, dave. You’re generalizing based on the people **you** seem to associate with. That has nothing to do with how real, quality women behave. Most women are not gold-diggers. [/quote]

If you are truly “offended” by my posts, then it means you see some truth in them. I’m sorry, but there’s no other explanation. To give you an example, if you were to walk up to me in a bar and say, “Davelj, you are the biggest asshole on earth due to X, Y, and Z,” my response would be, “Duly noted. Bartender, I’ll have another beer.” In other words, you can’t be offended unless you respect the offender or see some truth in the comments. If I were a woman, I wouldn’t be the least bit offended by anything I’ve written here. But that’s just me.

[quote=CA renter]
Perhaps if you changed what **you** are looking for, you’d find there’s a great, big world filled with really decent women who might be looking for a partnership with someone they love. You’re chasing after really hot women who don’t want a committment. Of course you’re going to see a lot of gold-diggers (who try to “trick” men into getting them pregnant, too???). Why would you expect anything different? You get what you give.[/quote]

Two faulty assumptions here: (1) that I’m looking for “decent” women, and (2) that I have a problem with gold diggers. Neither is the case. If I were interested in marrying a “decent woman,” I’d be married to one already. And I find nothing at all wrong with gold diggers – it’s a perfectly respectable pursuit. In fact, I find them more than a little bit entertaining. Although it does irritate me a bit when the gold digger set lays into prostitution, unwilling to concede that it’s a tomato/tomahto issue.

[davelj]

[quote=ucodegen]
This doesn’t mean that davelj doesn’t get misogynistic at times though..[/quote]

I’m not a misogynist. Far from it. I’m equally critical of both genders. Humans are a silly lot, full of hypocrisy, inconsistencies and contradictions. Neither gender has a monopoly on purity of intention or action.

[davelj]

[quote=ucodegen]
This doesn’t mean that davelj doesn’t get misogynistic at times though..[/quote]

I’m not a misogynist. Far from it. I’m equally critical of both genders. Humans are a silly lot, full of hypocrisy, inconsistencies and contradictions. Neither gender has a monopoly on purity of intention or action.

[davelj]

[quote=ucodegen]
This doesn’t mean that davelj doesn’t get misogynistic at times though..[/quote]

I’m not a misogynist. Far from it. I’m equally critical of both genders. Humans are a silly lot, full of hypocrisy, inconsistencies and contradictions. Neither gender has a monopoly on purity of intention or action.

[davelj]

[quote=ucodegen]
This doesn’t mean that davelj doesn’t get misogynistic at times though..[/quote]

I’m not a misogynist. Far from it. I’m equally critical of both genders. Humans are a silly lot, full of hypocrisy, inconsistencies and contradictions. Neither gender has a monopoly on purity of intention or action.

[davelj]

[quote=ucodegen]
This doesn’t mean that davelj doesn’t get misogynistic at times though..[/quote]

I’m not a misogynist. Far from it. I’m equally critical of both genders. Humans are a silly lot, full of hypocrisy, inconsistencies and contradictions. Neither gender has a monopoly on purity of intention or action.

[davelj]

[quote=patientrenter]

Dave, the business of financing San Diego businesses must be awfully quiet these days :)[/quote]

The banking business in San Diego is the best I’ve seen in over 15 years… so long as you have a lot of capital and don’t have a bunch of crappy loans on your balance sheet. The little bank I’m involved with here was one of only four in San Diego that received a 5-star Bauer rating this year. With that and the failure of San Diego National, we’re getting business left and right. And the terms on loans are the best I can remember – we won’t do anything north of a 50% LTV (based on revised cap rates) without an unlimited personal guarantee. We have no non-performing loans and no charge-offs. The industry’s paying virtually nothing on deposits. It simply couldn’t be better. But… it took us three years after we opened our doors to get to this point, so we spent quite some time hunkering down and doing very little. In fact, hysterically in hindsight, we were dinged on our first regulatory exam in 2007 for “not making enough loans.” We explained our rationale (that the market was insane) and our examiners frowned and said, “well, try to do better.” Which we ignored until about six months ago.

[davelj]

[quote=patientrenter]

Dave, the business of financing San Diego businesses must be awfully quiet these days :)[/quote]

The banking business in San Diego is the best I’ve seen in over 15 years… so long as you have a lot of capital and don’t have a bunch of crappy loans on your balance sheet. The little bank I’m involved with here was one of only four in San Diego that received a 5-star Bauer rating this year. With that and the failure of San Diego National, we’re getting business left and right. And the terms on loans are the best I can remember – we won’t do anything north of a 50% LTV (based on revised cap rates) without an unlimited personal guarantee. We have no non-performing loans and no charge-offs. The industry’s paying virtually nothing on deposits. It simply couldn’t be better. But… it took us three years after we opened our doors to get to this point, so we spent quite some time hunkering down and doing very little. In fact, hysterically in hindsight, we were dinged on our first regulatory exam in 2007 for “not making enough loans.” We explained our rationale (that the market was insane) and our examiners frowned and said, “well, try to do better.” Which we ignored until about six months ago.

[davelj]

[quote=patientrenter]

Dave, the business of financing San Diego businesses must be awfully quiet these days :)[/quote]

The banking business in San Diego is the best I’ve seen in over 15 years… so long as you have a lot of capital and don’t have a bunch of crappy loans on your balance sheet. The little bank I’m involved with here was one of only four in San Diego that received a 5-star Bauer rating this year. With that and the failure of San Diego National, we’re getting business left and right. And the terms on loans are the best I can remember – we won’t do anything north of a 50% LTV (based on revised cap rates) without an unlimited personal guarantee. We have no non-performing loans and no charge-offs. The industry’s paying virtually nothing on deposits. It simply couldn’t be better. But… it took us three years after we opened our doors to get to this point, so we spent quite some time hunkering down and doing very little. In fact, hysterically in hindsight, we were dinged on our first regulatory exam in 2007 for “not making enough loans.” We explained our rationale (that the market was insane) and our examiners frowned and said, “well, try to do better.” Which we ignored until about six months ago.

[davelj]

[quote=patientrenter]

Dave, the business of financing San Diego businesses must be awfully quiet these days :)[/quote]

The banking business in San Diego is the best I’ve seen in over 15 years… so long as you have a lot of capital and don’t have a bunch of crappy loans on your balance sheet. The little bank I’m involved with here was one of only four in San Diego that received a 5-star Bauer rating this year. With that and the failure of San Diego National, we’re getting business left and right. And the terms on loans are the best I can remember – we won’t do anything north of a 50% LTV (based on revised cap rates) without an unlimited personal guarantee. We have no non-performing loans and no charge-offs. The industry’s paying virtually nothing on deposits. It simply couldn’t be better. But… it took us three years after we opened our doors to get to this point, so we spent quite some time hunkering down and doing very little. In fact, hysterically in hindsight, we were dinged on our first regulatory exam in 2007 for “not making enough loans.” We explained our rationale (that the market was insane) and our examiners frowned and said, “well, try to do better.” Which we ignored until about six months ago.

[davelj]

[quote=patientrenter]

Dave, the business of financing San Diego businesses must be awfully quiet these days :)[/quote]

The banking business in San Diego is the best I’ve seen in over 15 years… so long as you have a lot of capital and don’t have a bunch of crappy loans on your balance sheet. The little bank I’m involved with here was one of only four in San Diego that received a 5-star Bauer rating this year. With that and the failure of San Diego National, we’re getting business left and right. And the terms on loans are the best I can remember – we won’t do anything north of a 50% LTV (based on revised cap rates) without an unlimited personal guarantee. We have no non-performing loans and no charge-offs. The industry’s paying virtually nothing on deposits. It simply couldn’t be better. But… it took us three years after we opened our doors to get to this point, so we spent quite some time hunkering down and doing very little. In fact, hysterically in hindsight, we were dinged on our first regulatory exam in 2007 for “not making enough loans.” We explained our rationale (that the market was insane) and our examiners frowned and said, “well, try to do better.” Which we ignored until about six months ago.

[beanmaestro]

My wife’s not reading piggington anymore, so…

She made it clear that she didn’t want a diamond, and would rather shop with me for an engagement ring, so I proposed without one. We went down to the nearest mall and ended up with a $160 ring with a tanzanite stone. We also bought her the runner-up ring, an $80 ring with a sapphire.

Her wedding band is a gold filigree design that cost $99, and that’s all she wears these days. Mine cost waaay more, since we had it custom made to match the pattern on hers.

She definitely *did* want the engagement ring, but she definitely didn’t want me to make us poor buying it.

[beanmaestro]

My wife’s not reading piggington anymore, so…

She made it clear that she didn’t want a diamond, and would rather shop with me for an engagement ring, so I proposed without one. We went down to the nearest mall and ended up with a $160 ring with a tanzanite stone. We also bought her the runner-up ring, an $80 ring with a sapphire.

Her wedding band is a gold filigree design that cost $99, and that’s all she wears these days. Mine cost waaay more, since we had it custom made to match the pattern on hers.

She definitely *did* want the engagement ring, but she definitely didn’t want me to make us poor buying it.

[beanmaestro]

My wife’s not reading piggington anymore, so…

She made it clear that she didn’t want a diamond, and would rather shop with me for an engagement ring, so I proposed without one. We went down to the nearest mall and ended up with a $160 ring with a tanzanite stone. We also bought her the runner-up ring, an $80 ring with a sapphire.

Her wedding band is a gold filigree design that cost $99, and that’s all she wears these days. Mine cost waaay more, since we had it custom made to match the pattern on hers.

She definitely *did* want the engagement ring, but she definitely didn’t want me to make us poor buying it.

[beanmaestro]

My wife’s not reading piggington anymore, so…

She made it clear that she didn’t want a diamond, and would rather shop with me for an engagement ring, so I proposed without one. We went down to the nearest mall and ended up with a $160 ring with a tanzanite stone. We also bought her the runner-up ring, an $80 ring with a sapphire.

Her wedding band is a gold filigree design that cost $99, and that’s all she wears these days. Mine cost waaay more, since we had it custom made to match the pattern on hers.

She definitely *did* want the engagement ring, but she definitely didn’t want me to make us poor buying it.

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