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bearishgurl
ParticipantI’m so there with you on this, ctr70. I feel if a newly-minted “short-seller” or foreclosure “victim” is having problems paying rent, then they should move to their parent’s back bedroom (IF they’re still welcome) or to a lesser-expensive housing market. In mobile-home parks in America’s heartland, one can still hookup an RV or single-wide trailer long-term for about $200 mo (incl trash pickup) in many locales!
The reason why all these folks now thrown back in the rental market are now complaining about rents is because they’re not used to paying anything (except utils) to live, having successfully “squatted” for (likely) the last 28-38 months. One would think they were able to save up $$ during their long “strategic default” stretch. But this is a bit hard to do when you’re still paying Cox Cable $271 mo and you have once weekly tee times, nail appts, massage appts, personal trainer appts and the household has $1500 mo in collective auto-loan payments (for their gas guzzlers). So these “victims” finally move out of “their” (lol) house broke (or near broke), plunking down their $3K “walking $$” towards a damage/security deposit on a house. These “victims” can’t possibly go back to living the way they were (renting a Spring Valley condo, etc) before easy money flowed in the streets (enabling them to fog a mirror and buy the house they never really “owned” and then use it for their personal ATM) because their housing “expectations” are so much higher now.
I’m sure many of them are finding out that their $3K “walking money” only got them INTO a rental house, what with their security deposits, pet deposits and such. After that, they actually have to pay RENT every month to stay there. RENT is a disruption of their current “lifestyles” but such is life.
This isn’t the problem of the homeowners/tenants/landlords living within their means. It is a “new world” out there now. I’m of the notion that the “rest of humanity” only need to sit back to watch Darwinism in action unfold in the CA coastal housing markets from here on out.
As it should be, lol … I-10, I-40, I-15 and I-70 beckon eastward …
Participant[quote=walterwhite]I’ve been trying to tell you that all along….If you are in tech..Be in tech… Be in the bay area… or elsewhere. Trying to be a techie in L.A. area is like trying to be a movie star in silicon valley[/quote]
Good advice, flu. Even with all the “tech” that has sprouted up in SD the last 15 or so years, SD is still a “branch office town” in this regard. And the “sunshine tax” will ALWAYS prevail here. This applies to pay scales for ALL occupations :={
Yes, I said “ALWAYS.” Nothing has changed in this regard over the last four decades and nothing ever will, IMHO. Even my Gen Y kid(s) (SD natives) know this.
If working in tech and looking to get paid what you’re actually worth, get yourself a nice-looking windbreaker and go for interviews in SV (the SM & SC Co “SV”) :=]
Participant[quote=AN]Flu, nice take over :-). I agree with your statement, which is why I suggest a SSD upgrade and a new reinstall OS. That’s sufficient for most people. A 4 years old computer is more than sufficient for most people. Since he have a $500 budget, I think SSD and OS will get him the best bang for his bucks IMHO.
I’ve done many upgrades on every components in a computer for many years and I’ve never noticed as big of a performance improvement as adding a SSD. This is on a 4+ year old laptop too. So, for $200 ($100 for SSD and $100 for Windows 7), I’m pretty sure his computer will probably blow away anything he can get off the shelf for $500 today for most if not all of his use cases.
sdr, if you want, I can teach/show you how to do it. It’s quite easy.[/quote]
A periodic vacuum of the inside of the case, incl taking out the cards and brushing them off with a soft paintbrush is also useful in prolonging hardware life, ESP if the computer has been left to hibernate or sleep 24/7/365.
ParticipantThe walter I knew seemed to be another “computer neophyte” but was talented in other (immeasurable) ways …. ;=)
Participant[quote=AN][quote=bearishgurl]”Back in the day,” Macs had Motorola processors (made in the US) and all their components/peripherals were assigned in-line by the owner/user on a SCSI Ultra (50-pin) or Ultra Wide (68 pin) Bus (or maybe both). This technology was very fast and reliable but contributed to Macs’ weight (plus they had heavy cases as you mentioned). I know Macs are more “mass-marketed” now (to better compete with PCs) so are likely made of cheaper materials.
Some early nineties Macs had “superdrives” which could read DOS/Windows floppy disks.
http://lowendmac.com/quadra/quadra-610-dos-compatible.html
They were the greatest thing since sliced bread! And the matching Sony (Apple) Trinitron Monitor (along with dedicated VRAM installed in the computer) was very sharp and crisp!
With an Apple 2x external CD, the total cost was over $2K (2 bigger SIMMS, 2 VRAM chips and bigger LaCie SCSI HD, etc was another $1K extra)!!
I used this computer at home every day for over 5 years and absolutely loved it :)[/quote]
That’s WAAAAY back in the day. FYI, Macs weren’t the only one using SCSI. Actually, if you get any workstation class computer from any major PC OEM, they probably have SCSI in it. SCSI was designed for workstation/server and not for home used, since they’re expensive and tend to be louder, since they spin faster, which gives it the speed advantage over IDE. Also, SCSI drives are tested to have much higher MTBF than IDE. SCSI wasn’t and isn’t ideal for home use, since its advantages weren’t/aren’t being taken advantage of, since people tend to upgrade their computers after a few years, unlike workstation/server which tend to have much longer life span. So, for most users, paying more for SCSI isn’t a smart idea.When talking about reliability, I don’t think ANYTHING can rival the IBM (now Lenovo) Thinkpad. I have one in 1999 for school. Tossed it around w/out a dedicated laptop bag (just put it in my backpack), and it lasted to this day. The hard drive finally fail recently, but other than that, everything was still working like a charm up until the day the HDD fail. The hinges never falter after 10+ years of use. They might not look as pretty as an Apple, but man, those things are bullet proof.[/quote]
Yes those macs were WAAAAY back in the day, AN! I was happy to accept my (circa 2000) 25-lb “MMX server” from a local firm who was “upgrading” in 2005 (actually downgrading, IMHO) and it is a WORKHOUSE and its hdwre is top notch! I haven’t replaced a thing! I remembered how great SCSI was and already had the (expensive) ultrawide card and cables and told them I’d take it and then bought another 17GB SCSI HD for it at Fry’s for about $160-$170 IIRC, which is, of course, now full. There is a bay for another SCSI drive (I’ve had a SCSI Zip drive in there) but all I have are 2-3 GB HD’s (from macs) which were $330-400 “back in the day.” I’m thinking of throwing a “spare” large IDE in there for file storage. Yes, the fan is fairly loud and I haven’t found an option in CMOS or a switch on the board to get it go to sleep … only hibernate. Any tips for me here, AN? If so, pls pm me 🙂
Here is a pic of the mobo:
http://www.datacrunch.net/go/articles/?TG_KE_ATM=ASUS_P2B_DS_MOTHERBOARD
It is a Dual Pentium III running at 850 MHz. I “tested” it and it WILL run Vista but its specs are on the edge … no Aero available. It currently runs on WIN XP Pro SP3.
Thanks for any help!
I’d still rather have it than a 2011-12 mass-marketed “empty box” weighing <5 lbs.
Participant[quote=AN][quote=bearishgurl]Don’t know about now, but they used to be built like a tank.[/quote]
Mac are no better than any other PC in term of the internals. Yes, the exterior are made out of metal instead of plastic, but internal, they’re the same parts. So, you pay for that shiny exterior. If you want bang for your bucks, Mac is not the way to go. All the computers today (Mac or PC) source their parts from the same supplier. I have a friend who used to work at WD (Western Digital) and he told me OEM with the highest volume gets the best components. So, that’s HP and Dell. I’m sure the other components manufacturers have the same policy.[/quote]“Back in the day,” Macs had Motorola processors (made in the US) and all their components/peripherals were assigned in-line by the owner/user on a SCSI Ultra (50-pin) or Ultra Wide (68 pin) Bus (or maybe both). This technology was very fast and reliable but contributed to Macs’ weight (plus they had heavy cases as you mentioned). I know Macs are more “mass-marketed” now (to better compete with PCs) so are likely made of cheaper materials.
Some early nineties Macs had “superdrives” which could read DOS/Windows floppy disks.
http://lowendmac.com/quadra/quadra-610-dos-compatible.html
They were the greatest thing since sliced bread! And the matching Sony (Apple) Trinitron Monitor (along with dedicated VRAM installed in the computer) was very sharp and crisp!
With an Apple 2x external CD, the total cost was over $2K (2 bigger SIMMS, 2 VRAM chips and bigger LaCie SCSI HD, etc was another $1K extra)!!
I used this computer at home every day for over 5 years and absolutely loved it 🙂
Participant[quote=paramount]sdrealtor: I’d suggest taking a good hard look at a Mac Mini. They are hard to beat for around 500 bucks.
The iMacs are like BMW’s – beautiful machines, but will set you back $1200+.[/quote]
I luv Macs but have only owned models prior to their release of the Power PC (1994). Mine were running System 7 and 8, lol. If I ever stopped working, I would buy a used 24″ iMac or a G5 tower for my main computer. Don’t know about now, but they used to be built like a tank.
Macs are superior to a Windows-based PC in every way, IMHO.
Participant[quote=paramount]I built a decent system recently for just over $200 using Fry’s and pricewatch.
AMD Tri Core 450 3.2GHz
Biostar Mobo
2x500gb Hitachi (the best IMO) drives 7200RPM
9800GT PCIe
Bulldozer Case
Really good refurb power supply (don’t go cheap on this…)
4GB DDR3Windows 7 Rating 5.5 (which seems low to me)[/quote]
That’s a lot of bang for the buck, paramount! You’re a very “persistent shopper.” My Vaio has a 3.2 Ghz dual-core processor and is very fast with smooth video (predates tri core). My experience with Hitachi HDs is with their SCSI drives over the last 18 years. Although smaller than SATA/IDE, they are VERY durable and stable and almost never crash. And I have NEVER had one die on me … click, click (but have a small box of dead EIDE drives).
Vaio has a Windows Vista (Home Premium) rating of 7.8.
Participant[quote=Bluefin]We are planning to buy a condo from a REO. The Bank only offers a Quit Claim Deed with warranties as followings: a) seller has not conveyed the property or any interest therein to any person other than buyer; and b) the property is free from any encumbrances made by seller or any person claiming under seller. Is there any problem with this kind of deed instead of grand deed? Do we have problems to sell the property in future?
thanks in advance for your inputs[/quote]
Bluefin, I may have not made myself very clear. While the “warranties” seller is making to you are poorly written, the emphasized phrase is worrisome. The are several types of liens your “REO seller” could be “junior” to. These liens would have claims over seller, which would pass to any new buyer who accepted a quitclaim deed. This could be the case if your REO lender foreclosed on a 2nd or subsequent TD on the property.
If this is the case, in order to convey the property to you on a grant deed, seller would have to sell the property to you for enough money to retire these liens before close of escrow (COE). They could be tax liens, HOA liens, govm’t liens, judgment liens or trust deeds. If lender cannot practically sell the property for enough money on the open market today to do retire these lien(s), then they should rent the property out until they can (since they already own it).
Most defaulted-upon lenders in a subordinate position do not even attempt to foreclose on or bid on a property at a trustee’s sale that they have an interest in unless they know they can get most or all of the money they lent on it back out in a subsequent sale.
I stand by my previous advice to insist on your approval of the preliminary title report as a contingency on your offer to purchase. If, prior to you even placing an offer, seller is adamant that he/she cannot convey the property to you at COE on a grant deed, ask the listing agent why. Perhaps you won’t even want to place an offer after learning the reason or “non-reason” given to you.
May 4, 2012 at 8:14 PM in reply to: If you had a choice between Ron Paul and Ron Paul, which Ron Paul would you choose? #742995Participant[quote=squat250]scaredycat = walterwhite = squat250.
I will squat 5 sets of 5 reps at 250 butt down to the bucket by the end of the year.
say hasta lavista to walter.[/quote]
squat250 is more fitting. The “new you” is not a scaredycat anymore and “Walter” is boring.
Participantscaredy, I’m proud of you if you can now lift 250 lbs while squatting!
edit: just saw the last post. I think you’ll get there. Just keep it up!
ParticipantInsist on an owner’s title policy in your offer. If the lender will not pay for it, insist on it anyway and offer to pay for it (along with your lender’s title policy (if you have one) if you still want the property. Make your offer contingent upon your approval of a preliminary title report and order it right away after your offer is accepted. If you do not approve of it, timely cancel the transaction and walk away.
The seller/lender is simply stating to you that the extent of your ownership in the property will represent only the extent of their ownership … whatever that is. I’d be leary that this “REO seller” is “subject to” other liens.
I’ve seen this done in probate sales but never REOs. Is your REO lender a “private lender?”
May 4, 2012 at 4:23 PM in reply to: If you had a choice between Ron Paul and Ron Paul, which Ron Paul would you choose? #742981Participant[quote=markrnax33][quote=markmax33]It is somebody with admin right on the website because the user name is set to the same amount of years and weeks that I’ve had a screen name. Who has admin rights other than Rich?[/quote]
You serious? Conspiracy? Really???? There is no conspiracy going on.. But it’s a pretty cool handle now that someone else gave it up.. Thanks![/quote]
flu, did you steal captcha’s new handle after he was “outed”?? ‘Fess up!
Participant[quote=carlsbadworker]I recently got a Toshiba C655-S5231 Laptop (Core i3-2310M 2.10GHz, 4GB DDR3, 640GB HDD, 15.6″, 6 Cell, Win7) for $219.50 @ Staples B&M.[/quote]
That’s a good deal, carlsbadworker!
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