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November 3, 2011 at 12:44 PM in reply to: Buying again, 2 years after Short Sale – questions for you pros #732153
bearishgurl
ParticipantOh, and, markmax, you ALSO forgot the County Air Pollution Control District.
Bring ON the “Kangaroo Court” which is ALIVE, BUSY and WELL in SD County . . . ;=D
Just TRY to get your new mfg biz approved by them . . . lol.
bearishgurl
ParticipantOur “currently beleaguered” State of CA . . . is truly “agencied” to death. BRING ON the bureaucrats!
We don’t need another layer from Wash DC who is “out of touch” with our particular problems. We need STRONG CONGRESSMEN/WOMEN who have a GREAT memory and an intimate FEEL for the concerns of the populace of their particular “jurisdictions,” among other traits!!!
bearishgurl
Participant[quote=markmax33] . . . Here are the boards in California and there are plenty more I’m sure:
California Air Resources Board
Department of Pesticide Regulation
Department of Toxic Substances Control
Office of Environmental Health Hazard Assessment
State Water Resources Control BoardYour seawater would be PLENTY safe. He encourages regulation, just not on the Fedreal level. Why do you want to violate the constitution? Environmental regulation is not the powers of the GOV under article 1 section 8 of the constitution. Is it okay all of sudden?
Here is the City of San Diego Environmental department:
http://www.sdcounty.ca.gov/deh/
Do you think they are doing a good job? I bet they are? Why do you hate the local agencies and local jobs?[/quote]
markmax, you forgot the ever-present “CA Coastal Commission.”
http://www.coastal.ca.gov/whoweare.html
In the past, it has managed to stymie many a homeowner and business that wished to do something which harmed the environment or gave the appearance of harming it . . . in every way, shape and form.
bearishgurl
ParticipantI’m of the “aging old fart” category and I lift weights 3-4X wk, scaredy. 3 yrs of this HAS made a difference. Keep it up, whatever you’re doing (but don’t “bulk up” (as brian also stated).
bearishgurl
ParticipantUR, I’m surmising that your 5th drink at the “Alibi” is “walking distance” for you? As is the “Starbucks, Mickey D’s and Lalo’s?” donut shop across the street (to start your busy day)??
And you can walk yourself to “burrito shop(s),” too? :=D
In spite of your good company around there (I sincerely MEAN that!), there’s something to be said for being a “UR!”
bearishgurl
ParticipantThanks for posting that to clarify, markmax. After you stated you weren’t a “local” McMillin, I figured you were from OH, PA, MD or even the South.
There aren’t any HS’s in SD county that are “95% black.” I’m not sure but don’t think LA County or the SF Bay area has any either.
I’ve been to MD many times and have driven through your county to our Nation’s Capitol a few times but never stopped there.
Just keep persevering as you are. You’re doing fine here 🙂
bearishgurl
Participant[quote=pri_dk]But how will they know who markmarx33 is?[/quote]
It’s easy. Just “google” him, lol.
http://www.meetup.com/ronpaul-93/members/18725061/
markmax, I have worked on (local) political campaigns before, have walked precincts extensively and have also held political fundraisers in my home. (This was in the “pre-blog” era, lol.)
I for one think you are an extremely eloquent representative of your generation and also think you are doing a “bang-up job” *educating* people here. You will find several Piggs who are set in their ways and “hard nuts to crack” (myself included sometimes, lol).
Your name has a slightly unusual spelling. Are you by chance related to any of the McMillins of a local “South County RE empire” here in SD county? Just curious . . . Thanks, and keep plugging away here – you’re doing great :=]
bearishgurl
Participant[quote=ctr70][quote=paramount]Let’s be clear about one thing, I don’t think anyone is saying gov’t workers shouldn’t get a fair salary and savings plan; it’s just that right now what they get is unfair to the rest of us who have to actually pay for their benefits.
For the most part, there is no reason gov’t workers shouldn’t receive benefits on par with those of us in the private sector.
They deserve:
A decent salary
A 401k Retirement account with 50% up to 6% match
A standard medical plan like the rest of us get: $20-$30 co-pays, 4k deductible, etc..No Pensions
No lifetime medical benefits
Sign them up for social security[/quote]Excellent post Paramount, totally agree. I’m totally in favor of Gov workers getting excellent pay, excellent benefits, 401k plans on par with the private sector, but NO tax payer supported pensions and NO healthcare for life. Just like in Greece, these have to go. . . . [/quote]
LOL . . .
Piggs, would you consider these monthly healthcare premiums for SDCERA retirees who are ineligible for Medicare as “giveaways, taxpayer-supported or better than `standard?'”
see pg 5: http://www.sdcera.org/newsletters/newsletter_fall_2011.pdf
The reality is that these “offerings” are so ridiculously expensive, even for the cheapest HMO, that only retirees with pre-existing conditions signed up for them because they couldn’t qualify for a reasonably-priced quality health plan on the open market and for no other reason. As soon as 2014 rolls around, I’m sure the current retirees subscribing to these overpriced, inferior plans are in hopes that they will no longer be at the mercy of being gouged from their “government retirement plan.”
The only difference between these plan rates and *exhorbitant* COBRA rates is that they can keep the plan longer than 18 mos!
For many, many SDCERA retirees, these healthcare premiums constitute over 50-75% of their monthly annuity . . . not counting an addt’l premium for any spouse or other dependents they wish to cover as well.
***
The City of SD negotiated a deal with its unions earlier this year
…Under the proposal, San Diego workers would be required for the first time to contribute part of their paychecks toward the benefit beginning in April 2012, when the deal kicks in.
Older workers would still be eligible for a benefit of $8,880 a year when they retire, but would have to pay $1,200 annually while employed to keep it. Other employees would have the option of a guaranteed $5,500 annual benefit at a cost while employed of $600 annually or a lump sum of roughly $100,000 for health expenses when they retire.The deal also gives the city an out clause by allowing the City Council to modify retiree health care or eliminate it altogether after the first two years…
See: http://www.signonsandiego.com/news/2011/may/06/deal-reached-san-diegos-health-care-deficit/
PERS and CALPERS 2012 Open Enrollment info below:
http://hr.sdsu.edu/pdf/Benefit/2012BasicPlanRateComparison.pdfhttp://hr.sdsu.edu/benefits/CalpersHealthPlanBenefitsChanges.htm
http://www.calpers.ca.gov/eip-docs/member/health/2012-health-info/other-southern.pdf
FERS retirees seem to have the highest employer participation in their FEHB selections. However, the (HMO) plans themselves leave something to be desired … in comparison with ALL plans, IMHO.
See: http://www.opm.gov/insure/health/rates/nonpostalhmo2011.pdf
http://www.opm.gov/insure/health/rates/postalhmo2011.pdf
Here are the FEHB fee-for-service plans for 2012 – with a still-reasonable employee contribution:
http://www.opm.gov/insure/health/rates/nonpostalffs2011.pdf
http://www.opm.gov/insure/health/rates/postalffs2011.pdf
***
So much for the notion of “fantastic free or low-cost health care for life on the taxpayer dime.”
bearishgurl
Participant[quote=flu][quote=bearishgurl][quote=flu] . . . Conservation is not profitable for a utility company. If usage actually goes down, they jack up the rates….
Anyone want to revisit your water bill?
Conserve water, and watch your water bill go up: check
http://www.kpbs.org/news/2010/sep/10/water-bills-could-go-again-san-diego-next-year/
Conservation is good for the planet, but not necessarily beneficial to your wallet.[/quote]
flu, if residents don’t conserve water between October and April, their sewer rate could go up dramatically (even double) beginning with the following July’s bill.
This is a GREAT incentive to conserve water during the winter months, IMO.[/quote]
They’re going to go up anyway..[/quote]
Possibly, but they’ll go up MUCH MORE, if you use too much water. This is something each resident can control.
bearishgurl
ParticipantAN, I think you are an anomaly on this Board because you don’t have “grandiose” views of your housing needs, such as buying a very large residence in a newer, heavily-encumbered housing tract. You (and possibly your co-workers who are living on one income) are no doubt living a more “spartan existence” than many here on this Board would likely accept.
And isn’t your spouse actually employed?
bearishgurl
Participant[quote=flu] . . . Conservation is not profitable for a utility company. If usage actually goes down, they jack up the rates….
Anyone want to revisit your water bill?
Conserve water, and watch your water bill go up: check
http://www.kpbs.org/news/2010/sep/10/water-bills-could-go-again-san-diego-next-year/
Conservation is good for the planet, but not necessarily beneficial to your wallet.[/quote]
flu, if residents don’t conserve water between October and April, their sewer rate could go up dramatically (even double) beginning with the following July’s bill.
This is a GREAT incentive to conserve water during the winter months, IMO.
bearishgurl
ParticipantHey, paramount . . . I’ve taken the liberty of assisting you in your search for a CA position with “plush bennies” and a “retirement plan.” See the following links:
http://www.spb.ca.gov/std678.pdf
http://www.spb.ca.gov/instructions.pdf
bearishgurl
Participant[quote=paramount][quote=bearishgurl]
All this “plundering talk” is obviously coming from half-cocked ignoramuses.[/quote]No, it’s coming from those of us who are more than fed up with getting fleeced by gov’t workers.[/quote]
paramount, we’ve had this “discussion” in numerous threads in which YOU have taken part. Here’s one which comes to mind:
http://piggington.com/are_federal_workers_overpaid_avg_123k_it039s_insane
Submitted by bearishgurl on August 10, 2010 – 3:45pm.
I now wish to draw Piggs’ attention to the SF-171:
http://forms.nih.gov/adobe/personnel/sf171.pdf
Just fill it out and get on a hiring list! Hopefully, you too can avail yourself of all these bennies, that is, after you have been “put thru the paces,” up to and including `nine separate interviews,'” and, of course, a thorough background check. What will your neighbors say about you??
Oh, and uh, I forgot to mention the six-month to one-year “probationary period.” Only a fraction of the bennies will kick in before this period is over. During this time, your “future career” could be in the hands of a bureaucrat who has 1/10th of your education and experience, but by virtue of longetivity, connections, knowing too much (or all three of these), occupies the position as your “supervisor.” This is where you will find that whatever you thought you knew doesn’t matter. Hang in there, refrain from pointing your antlers towards anything resembling a headlight . . . and . . . chin DOWN!
Everybody’s got to pay their dues at one time or another. You’ll get through it :=)
bearishgurl
Participant[quote=paramount]
Plundering California
…As I document in my new book, Plunder!, government employees of all stripes have manipulated the system to spike their pensions. Because California bases pensions for employees on their final year’s salary, some workers move to other jurisdictions for just that final year to increase their pay and thus the pension. Even government employees convicted of on-the-job crimes continue to collect benefits. Municipalities have adopted Defined Retirement Option Plans, or DROPs, in which the employee earns his salary and his full defined-benefit retirement pay at the same time, with the retirement pay going into an account payable upon actual retirement. And as average Americans work longer to sustain themselves, public employees can retire in their early fifties with their plush benefits…
[/quote]
Correct me if I’m wrong, but I believe some retirement systems in CA are now averaging the top 3 years of pay to calculate a retirement benefit.
Back in the spring, SD’s City Council was considering modifications to its DROP program.
see: http://www.signonsandiego.com/news/2011/mar/07/battle-brewing-to-change-controversial-retirement/
…A lengthy court fight led to rulings that gave city leaders the power to make sweeping changes to DROP, but a judge has yet to rule on whether the city can eliminate the program altogether. . . . “It’s not a bad thing to keep experienced people, but what we’ve done is we set it up so that it’s more lucrative to be in DROP than it is to be an employee because you don’t have to contribute to the pension system,” Goldsmith said. “That’s where we went wrong.”…
I don’t agree with soon-to-retire employees being able to use “pension-spiking tactics” to increase their pensions. Nor do I agree with employees being able to “purchase” periods of broken service (where they were not on the payroll for whatever reason) so as to have “continuous service” or to help them vest.
The only public employees that I know of that can retire “in their early fifties with their plush benefit” are sworn staff (aka law enforcement and firefighters). All “general retirees” will not be able to get their full benefit until age 62. If they decide they want to collect their benefit earlier than that, it will be a partial benefit for life, calculated in part upon their age at the time they decide to begin to collect it. This would make sense if the “deferred retiree” was terminally ill or otherwise unable to eek out any kind of a living. Otherwise, why take a partial benefit early??
All this “plundering talk” is obviously coming from half-cocked ignoramuses.
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