[CA renter]

Esmith makes some very good points.

My personal observations — having worked in both high-performing and low-performing schools — are that the lower-performing schools actually have better, more dedicated teachers. API scores are a better indication of the neighborhood demographics than they are of actual school/teacher quality.

It is a fact, though not “PC,” that higher-IQ parents tend to have children with similar IQs. Higher IQs are usually correlated with greater incomes (BTW, you will also find many criminals and mentally/socially disturbed people who have exceedingly high IQs, so it’s not always a good thing).

Most parents want their children to live in safe, clean, comfortable neighborhoods with people who share the same values. Those with higher IQs and incomes will likely choose the best locations, and you’ll see that the high-scoring schools just happen to be in neighborhoods where a disproportionate number of people have higher IQs, college degrees, and incomes.

IOW, it’s not the schools, but the neighborhoods that people are paying a premium for. The API scores are a good indication that the surrounding areas will be safe, clean and full of people who value education, and don’t do drugs, don’t engage in violent acts, etc.

[CA renter]

Agree that Americans are far too apathetic and lack the abilty to logically spell-out the reasons for thier beliefs.

On that note, instead of hearing the usual name-calling (i.e.: “nutjob,” “crack smoker,” etc.), it would be very interesting to see the arguments — logically laid out, with facts — refuting the initial post.

[CA renter]

Agree that Americans are far too apathetic and lack the abilty to logically spell-out the reasons for thier beliefs.

On that note, instead of hearing the usual name-calling (i.e.: “nutjob,” “crack smoker,” etc.), it would be very interesting to see the arguments — logically laid out, with facts — refuting the initial post.

[CA renter]

Agree that Americans are far too apathetic and lack the abilty to logically spell-out the reasons for thier beliefs.

On that note, instead of hearing the usual name-calling (i.e.: “nutjob,” “crack smoker,” etc.), it would be very interesting to see the arguments — logically laid out, with facts — refuting the initial post.

[CA renter]

Agree that Americans are far too apathetic and lack the abilty to logically spell-out the reasons for thier beliefs.

On that note, instead of hearing the usual name-calling (i.e.: “nutjob,” “crack smoker,” etc.), it would be very interesting to see the arguments — logically laid out, with facts — refuting the initial post.

[CA renter]

Agree that Americans are far too apathetic and lack the abilty to logically spell-out the reasons for thier beliefs.

On that note, instead of hearing the usual name-calling (i.e.: “nutjob,” “crack smoker,” etc.), it would be very interesting to see the arguments — logically laid out, with facts — refuting the initial post.

[CA renter]

What’s left of your net worth in 401K and retirement savings could very well do the same tankage via a bond and stock market collapse.
—————–

Yep. With everyone focusing on the effect (high housing prices), very few are acknowledging the cause (a credit bubble).

Housing was just the most obvious and wide-spread effect of the credit bubble. IMHO, we will see fallout in stocks, bonds, commodities, etc. It will be interesting to see how far the credit bubble unwinds. Could be a decades-long correction.

[CA renter]

What’s left of your net worth in 401K and retirement savings could very well do the same tankage via a bond and stock market collapse.
—————–

Yep. With everyone focusing on the effect (high housing prices), very few are acknowledging the cause (a credit bubble).

Housing was just the most obvious and wide-spread effect of the credit bubble. IMHO, we will see fallout in stocks, bonds, commodities, etc. It will be interesting to see how far the credit bubble unwinds. Could be a decades-long correction.

[CA renter]

What’s left of your net worth in 401K and retirement savings could very well do the same tankage via a bond and stock market collapse.
—————–

Yep. With everyone focusing on the effect (high housing prices), very few are acknowledging the cause (a credit bubble).

Housing was just the most obvious and wide-spread effect of the credit bubble. IMHO, we will see fallout in stocks, bonds, commodities, etc. It will be interesting to see how far the credit bubble unwinds. Could be a decades-long correction.

[CA renter]

What’s left of your net worth in 401K and retirement savings could very well do the same tankage via a bond and stock market collapse.
—————–

Yep. With everyone focusing on the effect (high housing prices), very few are acknowledging the cause (a credit bubble).

Housing was just the most obvious and wide-spread effect of the credit bubble. IMHO, we will see fallout in stocks, bonds, commodities, etc. It will be interesting to see how far the credit bubble unwinds. Could be a decades-long correction.

[CA renter]

What’s left of your net worth in 401K and retirement savings could very well do the same tankage via a bond and stock market collapse.
—————–

Yep. With everyone focusing on the effect (high housing prices), very few are acknowledging the cause (a credit bubble).

Housing was just the most obvious and wide-spread effect of the credit bubble. IMHO, we will see fallout in stocks, bonds, commodities, etc. It will be interesting to see how far the credit bubble unwinds. Could be a decades-long correction.

[CA renter]

If Buffet or Barkley or whoever wants to pay more, please ask them why they are not voluntarily doing so right now.
————–

Charity biography
The world’s second richest man continues to make his fortune in investment and turn it to philanthropy in the grand tradition of Carnegie and Rockefeller. In 2006 he made American history by making the largest ever charitable donation by an individual – $37bn to the Bill and Melinda Gates Foundation.

http://www.looktothestars.org/celebrity/183-warren-buffett

Additionally, I saw an interview with an IRS representative who said there are people who give large sums, anonymously to the IRS (seriously!). I think it’s highly probably that Mr. Buffett would be one of those people.

[CA renter]

If Buffet or Barkley or whoever wants to pay more, please ask them why they are not voluntarily doing so right now.
————–

Charity biography
The world’s second richest man continues to make his fortune in investment and turn it to philanthropy in the grand tradition of Carnegie and Rockefeller. In 2006 he made American history by making the largest ever charitable donation by an individual – $37bn to the Bill and Melinda Gates Foundation.

http://www.looktothestars.org/celebrity/183-warren-buffett

Additionally, I saw an interview with an IRS representative who said there are people who give large sums, anonymously to the IRS (seriously!). I think it’s highly probably that Mr. Buffett would be one of those people.

[CA renter]

If Buffet or Barkley or whoever wants to pay more, please ask them why they are not voluntarily doing so right now.
————–

Charity biography
The world’s second richest man continues to make his fortune in investment and turn it to philanthropy in the grand tradition of Carnegie and Rockefeller. In 2006 he made American history by making the largest ever charitable donation by an individual – $37bn to the Bill and Melinda Gates Foundation.

http://www.looktothestars.org/celebrity/183-warren-buffett

Additionally, I saw an interview with an IRS representative who said there are people who give large sums, anonymously to the IRS (seriously!). I think it’s highly probably that Mr. Buffett would be one of those people.

[CA renter]

If Buffet or Barkley or whoever wants to pay more, please ask them why they are not voluntarily doing so right now.
————–

Charity biography
The world’s second richest man continues to make his fortune in investment and turn it to philanthropy in the grand tradition of Carnegie and Rockefeller. In 2006 he made American history by making the largest ever charitable donation by an individual – $37bn to the Bill and Melinda Gates Foundation.

http://www.looktothestars.org/celebrity/183-warren-buffett

Additionally, I saw an interview with an IRS representative who said there are people who give large sums, anonymously to the IRS (seriously!). I think it’s highly probably that Mr. Buffett would be one of those people.

[Author]

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