[carlislematthew]

I think your true calling may be as an attorney, though. I think if you were a courtroom litigator or prosecutor, you could wear someone out on the witness stand to the point they would become an emotional cripple.

So basically the same as a CIA interrogator, but without the dogs and the half-drowning… 🙂

[carlislematthew]

Damn!!!! I meant to put this in off topic.

But then it would have been ON topic! 🙂

[carlislematthew]

IN 2
OUT 0

My wife and I just got here, so we don’t know anyone that’s leaving! What I *can* say is that I have some friends in LA that are looking to move down here, and I have another friend in WA that is also looking to move here.

San Diego is a nice area to live in, and everyone knows it. If only the business climate was more friendly, but that’s a topic for another post…

[carlislematthew]

IN 2
OUT 0

My wife and I just got here, so we don’t know anyone that’s leaving! What I *can* say is that I have some friends in LA that are looking to move down here, and I have another friend in WA that is also looking to move here.

San Diego is a nice area to live in, and everyone knows it. If only the business climate was more friendly, but that’s a topic for another post…

[carlislematthew]

“I’m just too damn honest, and caring. I would feel like each deal someone is losing money for my gain. I could never do it, and I admire your principles.”

Funny how those principles went out the window when selling her property in Lakeside. Not only could she do it, she did.

I believe this is known as Situational Ethics. The arrogance constantly amazes me.

Bingo.

[carlislematthew]

I think the fee for mine was about 200 bucks – one time fee. I only had to pay the fee when I closed the account, not when I took it out…

[carlislematthew]

For example, I and many friends/clients(on my recommendation) opened the biggest HELOCS we could get on our homes about 18 months ago w/o any need or plans to draw on them but simply as a free safety net for the future. If you check the tax records on my house there is a HELOC of about $400,000. What you dont see is my monthly statement with no balance.

I did exactly the same on my previous house, purely for the buffer money. I figured that if things went bad, then I could use actual savings, and then have another pile of credit to dive into before I needed to hit the credit card.

I intend to the do the same when I buy a house soon (don’t worry, not TOO soon!). I’ll put down 20% and then take out a 10% HELOC and not use it… Unless I absolutely HAVE TO of course, by which point I would have lost a job and would not be *able* to get a HELOC at that point in time…

Having said all this, I think we’re in the minority. Most people see a pile of money and spend it. Wait, I said “money”, I meant debt!

[carlislematthew]

But it’s different this time;)

Exactly! It’s different, in that it’s the same and not different – this time. Reversion to the mean!

[carlislematthew]

I was making more of a comment on the fact that many homes were purchased by people with no money down. As the no-money-down loans decrease, the middle tier buyer can’t sell his house, since the $600K buyer was going on 0% down, so the guy can’t move up to the $1 mil + house.

OK, I’m with you now. 🙂

I wonder how and when the no-money-down loans will decrease or go away. Perhaps you’ll still be able to get that piggy-back HELOC for the 20%, just at some insane interest rate… i.e. the insurance premium of possible loss is built into the rate, in the same way as intended with sub-prime interest rates.

[carlislematthew]

Harvard will except a guy who graduated from Duke with a 3.8 over an Army lieutenant who graduated from SDSU with a 3.1 and commanded 100 soldiers for a year in Iraq and was wounded in action.

Well, they’ll actually include the LSAT very heavily in their calculations too.

Regarding your Army lieutenant example, assuming that the LSAT is as “ok” as his GPA, then it would seem he/she wouldn’t make a good lawyer. Why *should* Harvard accept that candidate? What does his honorable service for the country have to do with his ability to become a lawyer?

[carlislematthew]

I’m not suggesting anything like that. But the way you phrased your response proves the shaky ground of the argument. You don’t know your rights are violated, you “feel” it. On the other side I know, my civil rights are not violated by any means.

The single reason I asked is that your post was not clear. I was asking for clarification… You have to ask these days, as sometimes a deliberate vagueness (which yours wasn’t) can imply things without having to specifically state them.

[carlislematthew]

Strangely, I’m seeing the opposite…of the 50 or so houses I’m tacking on Zip, 5 of them have had Price Increases over the last few days! Only 1 has had a reduction…

As my mother said, “if you can’t say something nice, don’t say it at all”. Your housing price increase propaganda doesn’t belong on this site!

Please supply stories of crashing prices, imminent recessions, high gas prices and indebted consumers. Let’s get back to the business of validating our own biases!

(I know you’re English, so I don’t technically need to say “I’m kidding”, but I’m going to say it anyway)

[carlislematthew]

Wiretapping helped catch the enemy recently and avert a new attack.

There’s a HUGE difference between wiretapping and WARRANTLESS wiretapping. There are very very few people that disagree with all wiretapping, and I haven’t heard a single democrat say that wiretapping is bad.

What they *are* saying is that the executive branch of government wiretapped Americans without a warrant which, they believe, he is required to obtain by law. There is debate over this issue of course…

Unfortunately, the argument is not simple, or black and white. Therefore it has been easy for Republicans, and the oblivious masses, to suggest that Democrats are against wiretapping. They’re not, they just want the president to obey the law. If the law isn’t good enough (too slow, too boring, too orange, whatever) then the Republican president can go to the Republican congress and get the law changed. Then he can follow it.

Unfortunately, the Democrats just come across as being whiney and pedantic, when they’re actually making very important points. When I get all annoyed about people using “insure” when they mean “ensure” I feel like a Democrat. When I look at my pay check and see my tax bill, I *don’t* feel like a Democrat.

[carlislematthew]

I didn’t hear any concrete
example (except bumper sticker whining) of violations of civil
rights during this administartion, maybe a few terrorists feel
that way, so be it…

Are you suggesting that American citizens that feel their civil rights have been reduced are terrorists? Or sympathize with terrorists?

[carlislematthew]

When credit dries up and buyers need 10% down, the demand for $1mil+ properties will shrivel up.

I hate to state the obvious, but not everyone who buys a house is a first-time buyer that’s been desparately saving money for years.

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