[bearishgurl]

[quote=spdrun]

Even if they DO have a playground, a parent has to actually leave the house and follow them out there and stay with them while they play.

Is it unheard of in CA for kids to go to the park or playground in a group of friends once they turn 9-10?

This assumes the condo is in a “walkable” area, of course.[/quote]

spdrun, I don’t think david’s kid(s) are in school yet. They have a long way to go until age 9 or 10.

Speaking from the experience as a FT worker-parent myself, I had many things to do on the weekends. There is no way I had the time to hang around parks and play lots for hours while none of my personal tasks or necessary labor around my home was getting done to get ready to start the next workweek. A parent of young kids would much prefer to have their own fenced backyard where they could work and also watch kids play safely at the same time.

[bearishgurl]

[quote=spdrun]Wrong about places to escape the heat being 5-8 hr away from Phoenix. Prescott is at 5000 ft and is generally in the 80s in Summer — 1.5 to 2.5 hr drive away depending on traffic on the 17N.

Basically, slightly less time than it takes me to get up into the Catskills.[/quote]

This is true, and Sedona and Flagstaff and a little further. Flagstaff is maybe four hours, depending on road conditions.

[bearishgurl]

[quote=spdrun]What is the problem with just buying a 2 or 3 bedroom condo and parking the RV and/or boat somewhere else? I lived in a 2-bedroom townhouse with my family in high school, and wasn’t the worse for it. If anything, if maintenance is included in the costs, it frees you up a little since you can ditch the place for a month (summer trip?) without worrying about your shrubberies.

Why does everyone need a detached house with 3000 sf and a big lot to waste time on cleaning up?[/quote]

spdrun, HOA dues plus monthly boat storage can be prohibitively expensive in SD. In addition, HOA’s tend to be picky about where kids can throw their ball, skate, play, etc. And they can’t chalk the sidewalks. In short, most HOA’s don’t like dealing with kids. Even if they DO have a playground, a parent has to actually leave the house and follow them out there and stay with them while they play.

It’s not the same as the parent working inside the house and looking out windows watching their kids play in their own backyard.

For a family who needs 2+ bdrms and a yard, it’s cheaper to buy a small or med sized SFR and just work on it as finances permit and do your own landscaping.

This subject can’t get a 3K sf house in SD and it is questionable if he could buy that big of a house within 20 mi of PHX.

[bearishgurl]

ctr is right. There are several areas to escape the heat in PHX but they are 5-8 hours drive away and there is only air service to the bottom of San Juans via PHX to DRO on US Airways.

In that amount of time, david and his family could be back in SD to visit relatives.

ctr is in error about Ramona, but in any case, it is likely too expensive for this family. Like Santee, several “big box stores” and supermarkets have come into there in recent years. It is VERY modern now.

In addition, there are MANY white-collar professionals residing in Santee and Ramona. Not sure about Lakeside, but the smell of pines (gathered around large boulders in the front yard) is absolutely incredible there in the winters. Lots of wildlife abound in the small hills around Barona Indian Reservation (which is also partly reesidential). There is a LOT to be said for having a spread to park your toys on sans HOAs telling a homeowner what they can and can’t do. I will agree that the bulk of the Lakeside crowd are probably older and have lived there most or all of their lives.

I DID manage to take a closer look on Google Maps at the Sycamore Cyn finger from Santee to the back side of Miramar MCAS yesterday. I had not realized it but its main road now goes all the way into the back of Scripps Ranch. I’m surmising it is two-lane most of the way and passes a large landfill to the west which is presumably supposed to be expanded at some point.

Does anyone know the length/time of the drive between Sycamore Cyn (Santee) and Rancho Bernardo? How many traffic lights are there through this maze? I would think as one got towards the back on SR in the morning, people would be leaving their homes to catch I-15 and a LOT of traffic might join as they were making their way to RB.

But perhaps I’m mistaken and its only a 20-minute drive.

If actually open for thru traffic, this represents non-fwy access between Santee and SR/RB/Poway biz parks. That’s huge!

david, Sycamore Cyn (Santee) is less than 30 years old and its SC Elementary School has a 950 API score. You won’t be able to find that consistently even in the most “sought-after” family areas in SD County or even if you could afford to buy in Scripps (SDUSD)!

Here’s a short I found yesterday in SC, asking $299K w/a 14K+ lot!:

http://www.sdlookup.com/MLS-130003028-10772_Strathmore_Dr_Santee_CA_92071

And here’s a recent sold comp there (almost the same size but 8K lot) which sold (fixed up) for $419K on 2/5/13:

http://www.sdlookup.com/MLS-130001659-92071

This is why I think the “opening bid” price of $299K on Strathmore Drive will be bid up quite a bit regardless of current condition and but primarily due to lot size.

It would seem to me that a buyer putting just 5% down (such as david) wouldn’t have a chance at a SFR in this coveted area… but who knows?

As of yesterday, there were currently six other <$350K non-shorts (or "traditional" SFR listings) in Santee, all ~50 years old and ranging in price from $250K to $340K. All but two were in a "Carlton Hills" subdivision and three of them needed some work. Out of those three, one was a FNMA Homepath property (the largest one at 1600 sf) which needed extensive work but FNMA would loan the buyer the funds to rehab it.

I didn’t see too many flips there but haven’t viewed all the sold comps yet. I found my “Santee study” to be very interesting and can now see why buy-to-let investors like the area so much.

Conclusion: Sycamore Cyn is borderline for the OP to buy into but other parts of Santee are possibly very doable … depending on owner and competition.

****************************************

ctr, you might be interested to know that “Old Chula Vista” (~1 mile from the bayfront) has been a “flipper’s dream” for almost three years now 🙂 These flipped houses around me sell like hotcakes! Cleaned-up homes that have been rentals for decades lift ALL boats. I’m happy to see that there are people with the wherewithal to do this as it helps the values of ALL surrounding owners!

We just witnessed the recent bombing of the old power plant at the bottom of SD Bay :=0

http://www.inquisitr.com/507149/power-plant-imploded-in-order-to-build-city-park-video/

Now that that eyesore is gone, the South Bay region can only go up from here :=]

[bearishgurl]

methinks this isn’t going to end well … for anybody.

[bearishgurl]

[quote=dhart760]The boat argument is moot since it would be a smaller boat I could store in the garage.

I would also say the argument of Santee, Ramona, Lakeside is also irrelevant and was fabricated to prove a point. Lets be honest these cities suck ( no offense to current residents) and the weather is comparable to AZ. In addition anyone who has driven during rush hours knows the commutes would be horrendous and one would lose roughly 2 hours of the day 5 days a week.

Lastly the elementary school rankings for these cities range from 4 to 8 out of 10, with median around 6 (www.schoolratings.com). [/quote]

david, sounds like you got erroneous info again. Here are the correct 2012 API scores for Santee, Ramona and Lakeside:

Santee Elementary Schools (K-8)

Prospect Avenue 849
Cajon Park 854
Hill Creek 858
Chet F. Harritt 872
Carlton Oaks 879
Carlton Hills 894
Pepper Drive 895
Rio Seco 895
Sycamore Canyon 950

Santee High Schools (9-12)

Santana 809
West Hills 812

Ramona Elementary Schools (K-6)
Ramona 807
Hanson 810
Barnett 847
Mt. Woodson 880
James Dukes 906

Ramona Middle School (7-8)
Olive Pierce Middle 855

Ramona High School (9-12)
Ramona 772

Lakeside Elementary Schools (K-6)
Winter Gardens 724
Tierra Del Sol 789
Lindo Park 799
Lemon Crest 791
Lakeside Farms 832
Lakeview 837

Lakeside Middle School (7-8)
Lakeside 801

Lakeside High School (9-12)
El Capitan 736

See: http://api.cde.ca.gov/reports/page2.asp?subject=API&level=School&submit1=submit

Granted, Lakeside has lower-scoring schools and I suggested this area to park your boat in because you stated that part of the reason you wanted to move to AZ was to find someplace to park your boat. Since your boat is small enough to park on the side of the driveway (if no HOA) or in the garage, the subject is moot.

I chose Ramona because your earlier post stated you and/or your spouse worked in RB and again, you needed to park a boat. Ramona can be reached in ~30 minutes through the back of Poway/RB which is mostly 4 lane hwy.

However, I do not now feel that a nice Ramona spread is doable for your family given your latest post.

Santee is VERY convenient to RB and has SOLID school scores in relation to its home prices. An 835 and up CA API score is VERY satisfactory for an elementary school and nearly excellent for a HS. You won’t find this solid of API scores in the SD beach areas and certainly not in SDUSD consistently. And you cannot qualify to buy an SFR in the attendance areas of those over-900-scoring elementary schools in North, South and East County and very select neighborhoods within SDUSD. I just checked the avail SFR inventory in Santee for <=$350K which was about half shorts (which means they could easily sell for more than $350K). The only property I could find in the Sycamore Cyn Elem (API 950) attendance area was a short in need of some repair which was sold before it hit the MLS. As I stated, ALL the Elem School scores in Santee are VERY satisfactory and the shopping is very good and convenient there as well. It has occurred to me that you could make application for a (cheaper) rental in an elem school attendance area scoring 850 and up if you decide to stay and attempt to save more money towards a future home purchase. I had assumed you were a traditional 20%-down buyer and since you now indicate you have only ~5% down, that changes a lot of things. I now believe it would difficult for you to compete for a SS or many "traditional sales"in San Diego County in the current market, IMHO. [quote=dhart760]While the areas we are focused on and can afford in AZ are 9's and 10's. [/quote] How does one check school scores in AZ ... as as apples-to-apples comparison of CA API scores? [quote=dhart760]As I mentioned to the OP, should we stay in CA I am fine with a much smaller house 3/2 1200sq. ft. I strongly feel if you are going to live here the goal is not to be in your house as much possible, where as in AZ sometimes this is unavoidable. The challenge to stay in CA is not over extending ($450k) to get into a house that is in a somewhat desirable location that also needs 100k in work. [/quote]

david, based upon your latest post, I don’t think you are in a position to “choose” the “desirability” of the location in the current market in your price range. That will come later when you have gained some equity with at least one successful RE sale. The phrase “…needing “100K of work” is purely subjective. IOW, what YOU may think needs “100K in work” might only need $5-$8K in work in another buyers eyes, who might move in at COE and do the work later.

At the $350K price range with ~5% down, you are not in a category to be too choosy in this regard, IMHO.

[quote=dhart760]We use an affordable childcare provider and the rates is about $2200/mo. while rates in AZ tend to be about $1600/mo. For out little house with a yard and driveway we pay $2000/mo., granted it is by the beach but this is the sacrifice we make in square footage for location. However look around clairemont, Tierra Santa, etc this is about the going rate for a rental. [/quote]

david, I’m sure you’re aware that Clairemont and Tierrasanta are out of your price range for an SFR.

It was actually your “friend,” sdsurfer who, told us that you were sick of “living paycheck-to-paycheck.”:)

Your daycare expense of $2200 mo is ASTOUNDING and I’m surmising it is for two kids. In any case, I’m sure you can find a home day care situation for $1500 mo or less for the first child, especially if he/she is already trained.

http://www.crs.ymca.org/programs/resource-and-referral/child-care-referrals.html

Remember that even if you stayed in SD, your kid(s) would eventually go to school. If you choose a school attendance area carefully to pick an elementary school that still has DASH or a “six to six” program, you can get low cost after-school care for about ~$60 per week, which includes homework help. These programs are conducted at the school sites.

Your rent of $2000 is VERY high for 1000 sf. Based upon your posts, your exorbitant daycare and rent expenses are the main reasons why you have been unable to save a bigger downpayment to properly compete as a RE buyer in SD, IMHO.

For the above reasons, I now feel that you are a very “borderline” buyer for an unencumbered (no HOA/MR) SFR in the $350K range in SD County.

Thanks for your honest clarifications in your last post. I’m still going to opine that I don’t think you’ll be able to make enough sales proceeds off a home purchase in the PHX area to come back to SD and properly “compete” for the home you will want to live in, which will undoubtedly be higher-priced than it is today. Perhaps a move there will enable your family to save more money, if you can keep your PITI under $2000, not get stuck with too many repairs, reduce your daycare expense by at least $600 per month and your spouse can land and keep a $50K job there.

Whether you end up staying or moving, I now think you should endeavor to find something to rent for no more than $1600 mo. You can rent a 1100-1400 sf house in MANY areas in the city and county of SD for ~$1600.

Best of luck to you and your family.

[bearishgurl]

[quote=flu]On second thoughts….Not that I would consider this personally…But I guess someone in serious financial doo-doo…

Hypothetical situation. Let’s say some person has no house to HELOC…. No chance of ownership…Let’s say the person has no savings, no IRA….And has a job that doesn’t really depend on having stellar credit.

But the person has 10 credit cards with $10000 credit line each.

Maybe works out for them is to cash out all credit cards on credit line, and put that money into the IRA….10 credit cards $3000 each say $30000 into an IRA, invested wisely…File BK.

Why? Because perhaps even after one files BK, retirement accounts are off limits.

Not that I personally would recommend this… But just saying….If someone is really desperate.

Chances are, they won’t even go to BK court, but will settle with the collector at much less than owed.[/quote]

flu, the vast majority of cc lenders today have cut down nearly EVERY cardholder’s credit limit, whether or not the account is active or the upper-limits were ever used. This is involuntary and was done to the accounts of the “rich” and “poor” alike.

The cc companies have now realized that too much credit was extended to a lot of people during the millenium boom and are trying to avoid having any more big losses resulting from the mistakes they made in the past.

A cc lender typically runs the credit report of all its cardholders periodically, even if they are current on their payments. Someone who has managed to obtain 10 cards with a $10K-each credit limit AFTER acquiring the card who is checking the credit is a BIG RED FLAG. It gives the impression that the cardholder is amassing a “war chest” so they can default and/or is trying to scam each card account they have by borrowing cash from one card to make payments on another, etc.

cc companies are now wise to the scams of yesteryear. Low FICO score applicants are now either rejected outright or have to post their own money with the cc company to get a “secured card” in order to build their credit back up.

The days of one being able to obtain several high-limit cc’s in a short period of time are over, IMHO.

Card companies like AMEX and Visa Signature (which have no upper limit) constantly review the appropriate limit for its cardholders, based upon repayment record and known regular income and assets. If one walks into any retail establishment and tries to buy something with one of these cards which is REALLY expensive (could be over $500 to over $2K, depending on type of card program and cardholder record), the establishment will have to call for approval first and the cc company may text or call the cardholder to ask them if that is actually them wanting to purchase the item/service. This is done to prevent fraud.

I just don’t see how anyone with ten cards still has a $10K+ credit limit on any of them today.

[bearishgurl]

[quote=ucodegen][quote=bearishgurl][quote=ucodegen]…To get to Arizona, you can also go through Nevada then to Arizona..[/quote]

This is US 93, a mostly two-laner along the rim of the Hoover Dam, 35 mi SE of Las Vegas. A slow, comm’l truck-filled border crossing, this area is highly patrolled at ALL times. It would be only too easy to spot his vehicle there …[/quote]BTW, I forgot to mention.. it is no longer a two laner, and it no longer goes across the dam. The dam is now closed to cross traffic. [/quote]
[img_assist|nid=17140|title=Hover Dam from new Bypass Bridge|desc=|link=popup|align=center|width=199|height=133]

WOW, uco, I haven’t been on that road in a few years! How did they build that? It’s absolutely amazing ….

[quote=ucodegen][quote=bearishgurl]Since one of Dorner’s victims was the daughter of the attorney who, by his statement, “botched” his disciplinary hearing against the LAPD, I’m just wondering why he didn’t instead file a claim against the City and then sue for damages (and his job back) when the judge hearing his mandamus petition rubber-stamped the hearing officer’s decision (as they often do, to get the case off their docket). In doing so, the judge hearing his petition left it wide open for Dorner to take legal action against the City and LAPD.[/quote]True.. but look at it from his side. He is military trained, not legal. He is unfamiliar with the process of using the courts and after the last ‘judge’ issue.. he probably feels that he can not get justice through the courts. He probably thinks that after this last one, there is no more recourse through the courts. He is probably taking the only course of action that he feels that he can.[/quote]

I disagree. CA isn’t the “wild west.” The wheel was invented long ago.

The sole reason for filing the writ petition was to remand the case back to an administrative hearing with instructions or obtain a right to sue.

No aggrieved public employee or ex-employee would go through the time and expense of the writ without realizing they had a right to file a claim and sue if it was denied.

His lawyer would have fully explained all this to him. He wouldn’t have had to keep that lawyer for the trial.

I’ve watched aggrieved-public-employee court trials and can tell you that the “system” works.

But the employee must not be afraid to use it. They have to “stay on task” long after their termination.

Heads have rolled in organizations where the corrupt conduct of public officials and employees have cost them a small fortune in jury awards and settlement monies.

It is VERY difficult to overcome a jury award on appeal as … even though the justices have the trial transcript, they weren’t there and didn’t personally see the conduct of the witnesses and the expressions on jurors faces. They won’t nullify jury awards but may reduce them if they are excessive.

This doesn’t preclude the organization from appealing an adverse (to them) decision or verdict, however, and they often (frivolously) spend YOUR money to to do so. Meanwhile, the clock is running on back pay and interest after a jury reinstated the (still-unemployed) employee over a frivolous, corrupt and/or politically-motivated discharge.

These lengthy “skirmishes” happen more often than the general public (read: taxpayers) are likely aware of :=0

[bearishgurl]

[quote=sdduuuude]http://swz.salary.com/salarywizard/layouthtmls/swzl_statetaxrate_CA.html

http://swz.salary.com/salarywizard/layouthtmls/swzl_statetaxrate_AZ.html

State tax rate between 50K and 150K of income:
AZ:4.24% vs. CA:9.3%

Sales tax.
San Diego: 8%
Phoenix: 9.3%

If you want to compare Lakeside to Scottsdale, you go right ahead. This is one reason why that may not be a good idea. % Percent bachelor’s degree or higher:
Scottsdale: 52.9%
Santee: 17.6%
Lakeside: 13.4%
Ramona: 23.1%

http://www.teracodes.com/zip-codes/85255/

http://www.teracodes.com/zip-codes/92040/%5B/quote%5D

sdduuuude, can I just ask you what a “bachelor’s degree” has to do with the price of tea in China?

H@ll, there are MANY property owners in MH, PL, LJ and DM, for that matter, who have never even SEEN the inside of a college campus! Some of them no doubt possess “GEDs” or are actually “HS dropouts.” This fact in an of itself doesn’t make them “stupid” or “bad neighbors.”

The truth is, East County (SD) is full of “old-timers” who grew up there, established themselves as adults there and never left. That doesn’t make them “stupid” or “unable to make their mortgage payments because they got in over their head,” like so many seemingly “highly educated” people drawn to *newer* areas did!

I’d like to see how the rest of PHX fares in the “college-degree attained” contest because I don’t think this “OP’s friend” can afford Scottsdale, lol. At least not for the property he wants to buy. They’re currently living “paycheck to paycheck” paying $2000 mo rent in SD.

How much does the sum of utilities plus possible HOA dues added to monthly PITI come to every month on the OP’s friend’s “required” house in PHX?

If it is anywhere close to $2000, they will again be living “paycheck to paycheck.” And that is only if his spouse is able to land a $50K job there (so they will not have any drop from their current SD income).

The Piggs should all know by now that “educational attainment or lack thereof” has absolutely NOTHING TO DO with having personal integrity … or not. That is, many of those who have little to no personal integrity often find themselves deliberately getting in over their head in debt in attempting to live beyond their means, college degreed be damned. The reality is, the “highly educated” are the WORST OFFENDERS in this regard.

WHY? Because they somehow think they “deserve” to live a particular “lifestyle” based upon “educational attainment” and don’t wish to gain equity by living a “lesser lifestyle” in a lesser area first, like the rest of the world does. IOW, “paying their dues” has gone out the window.

It is a known fact that an individual’s educational-level attained has little to nothing to do with (depending on micro-area) the equity value of their RE holdings (or lack thereof) in CA.

Call it what you will and lament all you want but as a matter of fact, the micro-areas of CA that reflect the MOST homeowner equity are actually those with the LEAST-educated homeowners!

Gen Y and other “striving” Piggs need to make peace with this fact because it’s the way it is and always has been.

You can’t fix it.

[bearishgurl]

[quote=AN][quote=CA renter][quote=AN]Another medical advancement that will greatly improve a lot of people’s quality of life if they can have the same success in human as dogs:

http://www.dailytech.com/article.aspx?newsid=29872%5B/quote%5D

This sounds exceptionally promising. Let’s hope they have similar successes with humans.[/quote]
This is the reason why I’ve said before that if you’re alive and healthy today, it’s very likely that you’ll live much longer than your parents’ generation. Not because you eat better or exercise more, but mainly due to medical advancements like these. Yes, eating right and exercise will help a lot, but these kind of medical advancement will allow even the lazy to live well beyond their years.[/quote]

AN, Type I Diabetes is hereditary. It has a common onset in the child or teenage years.

You don’t get it from being lazy.

Most of its “victims” are of normal weight or even thin.

It has nothing to do with how one eats or if they eat too much (although a victim of Type I diabetes will have to alter their diet).

It is a malfunction of the insulin output of the individual, due to heredity.

**************************************

I think you are referring to Type II (adult onset) diabetes in your latest post, caused primarily from inactivity leading to obesity.

This “dog study” has nothing to do with Type II diabetes as they are different animals, entirely.

[bearishgurl]

[quote=sdduuuude][quote=bearishgurl]Can you tell us what the *newer* ~2500 sf SFRs are selling for in Scottsdale that are within the subdivisions which are “a bit like CV” (SD)?[/quote]

bg, give it up.

Why compare a subdivision that is even remotely like CV with something that is in f-ing Lakeside, Santee and Ramona. It’s nonsensical. You can’t sell a guy who can afford a house in Scottsdale on Lakeside, Ramona and Santee at any price. If you don’t understand that, then don’t even bother trying to “help.”

Awahtukee is difficult to compare to anything in SD. It represents nice middle ground between CV and San Diego City Schools. The Awahtukee foothills, though, are super nice. Lots of big, custom homes there.[/quote]

sdduuuude, he stated he could “afford” $350K. Whether or not that could get him what he stated he wanted (a 4-5/3/3 SFR with pool and RV pkg/access in Scottsdale [or anywhere else within a ~20 mile radius of dtn PHX]) is still up for debate. So far, I have not seen anything remotely resembling these “requirements” for $350K there.

Nor have I heard any apples-to-apples comparison of schools from SD County to PHX.

None of those SD county communities I mentioned are more or lesser than any area you or SK mentioned here (excepting that parts of Scottsdale seem to be geared toward tourists). All of these three SD communities have entry level housing up to ~$700K housing (and Ramona has even higher-priced housing than that).

The “we will have a better life in PHX” mantra is all conjecture borne out of misinformation that the OP’s friend received.

He sounds dissatisfied with SD because he chose a smallish rental for $2000 month and is presumably living “paycheck to paycheck.”

That didn’t need to happen. He had MANY other rental choices where he could have saved MORE money towards a house to buy. If he had done this, they may have not been shopping in the “$350K category” today and we wouldn’t be having this conversation 🙂

[bearishgurl]

[quote=AN]Uh, if a business run out of cash to operate, then they did fail. When they fail, the SBA didn’t give them more money to keep on operating. This is no different than FHA, etc. If you think these are the same as the bail out of big banks a few years back, then I stand by my statement that WE ALL can be bailed out, so quit complaining.[/quote]

I’m stating the biz owners who were successful in securing SBA loans to help them continue or get restarted DID get all or part of the money to do so.

With FHA loans, there is collateral given in the form of real property. This is not (usually) so with SBA loans.

You can call SBA loans “bailouts” if you wish. In my mind, they are only “bailouts” if they are non-performing. In any case, they are fully dischargeable in BK proceedings.

You were the one “complaining” here when you stated that small biz owners don’t get “bailed out.”

[quote=AN] . . . BTW, last I check, the many small business owners who leverage to start their business and fail didn’t get bailed out. So, again, your broad stroke brush is horrible. . . .[/quote]

The fact is that many of them DID, courtesy of the Federal gubment.

[bearishgurl]

Since one of Dorner’s victims was the daughter of the attorney who, by his statement, “botched” his disciplinary hearing against the LAPD, I’m just wondering why he didn’t instead file a claim against the City and then sue for damages (and his job back) when the judge hearing his mandamus petition rubber-stamped the hearing officer’s decision (as they often do, to get the case off their docket). In doing so, the judge hearing his petition left it wide open for Dorner to take legal action against the City and LAPD.

That’s what most aggrieved public employees do in this situation when their termination was based solely upon the credibility of the department’s witnesses in said hearing.

Dorner’s LAPD firing case hinged on credibility

The Police Department concluded Dorner was lying when he said his training officer kicked a man during an arrest. But it’s not so clear whose testimony should be believed.

For a Los Angeles Police Department disciplinary panel, the evidence was persuasive: Rookie officer Christopher Jordan Dorner lied when he accused his training officer of kicking a mentally ill man during an arrest.

But when a Los Angeles County Superior Court judge examined the case a year later in 2010 as part of an appeal filed by Dorner, he seemed less convinced.

Judge David P. Yaffe said he was “uncertain whether the training officer kicked the suspect or not” but nevertheless upheld the department’s decision to fire Dorner, according to court records reviewed by The Times….

http://www.latimes.com/news/local/la-me-lapd-dorner-20130211,0,2498334.story

I’m not trying to make excuses for Dorner’s bizarre behavior but these disciplinary cases hinging solely on the “credibility” of witnesses beholden to the department because of their own retirement calculations being at stake are patently unfair to the appellant because there are NO RULES OF EVIDENCE in force in any CA tribunal holding public employee disciplinary hearings. That is the sole reason for this long-held CA law:

http://law.onecle.com/california/civil-procedure/1094.6.html

Once the aggrieved employee is not granted his writ petition, he is free to sue and call in all of those “beholden-to-the-department” witnesses before a jury of his/her peers, after hitting each and every one of them with lengthy interrogatories and even deposing the ones who gave the most damaging testimony against him.

Believe it or not, it really isn’t that hard to find out the “special favors” granted by a department to each of its “star wits” in exchange for their testimony in a disciplinary hearing.

If there really WERE racist dept officials and witnesses who were instrumental in Dorner’s firing from the LAPD, it wouldn’t be the first time this has happened nor likely the last. This “covert racism” is MUCH easier to prove in a well-prepared-for court trial.

Dorner had options to pursue his “issues” with LAPD the right way but dropped the ball at a critical, time-sensitive point and is still seething (perhaps legitimately) years later. This part, to me, is very sad.

[bearishgurl]

[quote=AN][quote=bearishgurl][quote=AN][quote=bearishgurl] . . . This is just ONE “SBA loan.”

Ask yourself who pays for all of this …. :=0[/quote]Not the tax payer. At least nothing like the kind of bail out we saw with the big banks recently. But if your argument is they’re the same, then EVERYONE is being bailed out. So, no point in complaining about bailout since we all will be bailed out.[/quote]

Is the SBA not a gubment organization? Who do you think pays to run it and for any “guarantees” it makes on small business loans??

http://www.sba.gov/%5B/quote%5D
Please tell me, did the SBA gave these small business more money when they fail so they can keep on operating their business?[/quote]

In a way, yes. These small businesses don’t necessarily “fail,” but they run out of capital to replace old and/or broken equipment and thus sometimes have to suspend operations because of that. The SBA has programs available to apply for funds to “grow” a business (or restart one that has temporarily been “suspended.”)

In addition, they have programs to prospective new biz owners who only have an idea and a business plan but little else.

In the smaller loans made by the SBA and participating lender (<$100K), there is almost never any collateral given. Just like a student loan, the SBA lenders are relying on the "integrity, wherewithal and talent" of the applicant to be paid back on time and in full.

[bearishgurl]

[quote=AN][quote=bearishgurl] . . . This is just ONE “SBA loan.”

Ask yourself who pays for all of this …. :=0[/quote]Not the tax payer. At least nothing like the kind of bail out we saw with the big banks recently. But if your argument is they’re the same, then EVERYONE is being bailed out. So, no point in complaining about bailout since we all will be bailed out.[/quote]

Is the SBA not a gubment organization? Who do you think pays to run it and for any “guarantees” it makes on small business loans??

http://www.sba.gov/

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