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CoronitaParticipant[quote=AN][quote=flu]A coaster in Carmel Valley??? Oh hell no…. Not in my “hood”….
:)[/quote]
LoL, damn NIMBYer :-D[/quote]Man, with a coaster stop in Carmel Valley, we’re going to get invaded by all the rift rafts from Mira Mesa.
CoronitaParticipantA coaster in Carmel Valley??? Oh hell no…. Not in my “hood”….
🙂
CoronitaParticipantI actually, I find the idea about “low income” housing interesting. How many of these things are really “low income” after they are built? I remember supposedly Pardee was going to put in low income housing in their newer developments in Carmel Country Highland. I don’t think it really happened. As far as rentals are concerned, they just put in two big apartment complexes in torrey hills. Those condos have rent prices around $1800 for 1/1, $2100 for 2/2 and $2500 for 3/2…. That’s suppose to be “affordable”? Lol…
The biggest impact will be probably schools. In Carmel Valley, a good portion of the school’s ESC program for science, music, art is self-funded by donations from parents. Short term tenants do not donate to these ESC funds to the extent that people who own homes in this area do, despite their kids enjoying the same programs that the rest of the donors end up funding.
CoronitaParticipantI don’t know. But I’m buying 800 shares of american express just now, after selling my vested company issued RSU stock grants (which is at a 52 week high) Lol
CoronitaParticipant[quote=evolusd][quote=AN][quote=spdrun]Run it on good hardware and it’s plenty responsive. Windows phone is a bad joke, iOS is slightly better.[/quote]I’m running it on the best chip on the market today. It’s still a joke. Project butter was a joke. If you consider animation stuttering, button press respond a second later is responsive, pressing home button takes a second or two to see the home screen, then another second or two for your icons to load in, etc. Now, that’s a bad joke. On either Windows or iOS, you’ll never see a button press taking more than a few hundred milliseconds to respond and transition animations are always buttery smooth. You don’t see frame rate drop during transition animation like Android.
FYI, 512MB-1GB devices with processors from 2 years ago running iOS and Windows are A LOT smoother than 2GB Android devices running the latest and greatest processor. Try and run Android on a Snapdragon S4 with 512MB Ram and tell me it’s plenty responsive.[/quote]
Am thinking of upgrading from iPhone 5 to LG G3, but this is my main concern. I appreciate fluidity (and more importantly, the stability) of iOS, but am terribly bored after years of iphone.[/quote]
Unless you plan on sticking with the Nexus branded lines of phones, be prepared for limited O/S upgrade support from the OEM’s. They are too busying trying to sell you a new model instead of spending type trying to update their old phones to the latest O/S version like lollipop.
Nexus phones however will be supported by Google.
CoronitaParticipant.
CoronitaParticipant[quote]
Am trying to make sense of your words….
[/quote]Good, because it’s exactly how I’m trying to interpret your words.
[quote]
My point was that if everybody has to be forced to do something for zk’s kid to be prevented from measles, the same should apply for allergies and maybe some other items too.
[/quote]Whoa. You’re making an comparison between something that is contagious (ie measles) versus something that isn’t. Kid’s allergy isn’t “contagious”.
[quote]
Not sure what this has to do with school tables? Are you suggesting that kids who do not get vaccinated be separated from the kids who do?
[/quote]Yes. And that’s exactly what they do when someone has a peanut allergy in the classroom. Since there are plenty of people affected by this, schools go out of their way to ensure those affected by peanut allergy have a “safe” environment, both in the classroom and at the lunch tables. That’s why classrooms with kids that have peanut allergy typically ban all nut related foods in the classroom, even if your kid doesn’t have a nut allergy. It’s also why in the lunch areas, there are tables specifically designated for people with nut allergies.
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A woman’s right to choose DOES have an impact on my future well-being in terms of future tax receipts and my social security payments. Let’s be honest about how the right to choose is affecting the demographics. My comparison was that while we are at poking people whether they like it or not, how about doing the same the right to choose?[/quote]Oh please. None of this affects your health. How well/not well you retire has more to do with how well you personally manage your money. Someone getting an abortion is not going to create a disease outbreak. You’re really stretching here.
CoronitaParticipant[quote=dumbrenter]
So your kid gets vaccinated against measles, but there is still a chance to get infected with measles and to prevent that you want to get everybody around you to be poked by a needle.
By the same logic, if your neighbor’s kid is allergic to nuts, we should ban them from your neighborhood or even the whole county just to be sure. Because we don’t want kids to suffer, either from measles or allergies.[/quote]Have you been to an elementary school in CarmelV lately?
Ever heard of “peanut free zone”?
Lunch tables designated nut-free tables and classrooms with kids that have a nut allergy have designed precautions taken, including restrictions food/etc during class/holiday events.
A woman’s right to choose has no impact on the health/well being of everyone else around them.
CoronitaParticipant[quote=livinincali][quote=flyer]
As far as exploring the possible options available in closing the “wealth gap,” I’m very much enjoying reading the in-depth analysis both you and CAr are providing. This is a big issue, and one that I believe will effect more and more people as time goes on.
[/quote]The answer to closing the wealth gap is super simple. When the next crash occurs, DON’T BAIL ANYBODY OUT. The end. It’s really that simple. In most cases one man’s wealth is another man’s debt. Let the bad debt go bad and the wealth gap resolves itself.[/quote]
I totally agree. Don’t even try to do a loan mod or moratorium for underwater/overleveraged homeowners.
Foreclose and short sales immediately. That way, the rest of us can buy them at 30-40+% off with cash, rent them back out with positive cash flow, wait for people to complain about not being able to qualify for a loan to buy, wait for banks to offer subprime loans again, and wait for subprime borrowers with very little skin in the game overpay for a home they can’t afford with borrowed money they really can’t afford.
Oh wait, that sort of already happened… Most people can’t afford/qualify for a home, a much smaller percentage of the population owning even more real estate and assets… While paychecks continue to remain stuck in neutral, asset prices have not..So those with assets and counting less on a “wage” paycheck enjoying the now larger wealth gap.
February 10, 2015 at 1:16 PM in reply to: Opinions on VCAIX Vanguard California Intermediate-Term…. #782826CoronitaParticipant[quote=kismetsdad]I have invested in Vanguard VCAIX for years and it has been consistent tax free 3.5%+ return. It is about 10% of liquid assets. The higher your tax bracket the more competitive it is with non-tax free investments. The fund has a large pool of bonds so any individual default (like Stockton or San Bernadino) doesn’t have much effect. The fund only buys intermediate term and holds to maturity so the bonds are redeemed at PAR so interest rate fluctuation isn’t a big problem. The Vanguard fund outperforms Fidelity and Schwab doesn’t even offer a product. [/quote]
That’s what I wanted to hear. Sounds like you’ve been putting money in here for some time, and that 3.5% tax free return is exactly what I was looking for..I’m on year 3 of this fund (well the admiral version if it), and was considering moving more in there.
A sign of me getting much older is when I start thing that a stable 3.5%-4% return is a good thing.
[quote]
If you are on Social Security the double tax-free income is actually considered income and renders some of the social security benefit from tax free to taxable. There is thus a tax implication for some investors. This is true for all investments though.
Vanguard also has low overhead!
[/quote]I have a long way to go before this. But can you explain what do you mean by this? Just curious.
CoronitaParticipant[quote=moneymaker]Last time I was in Fry’s it was like a cemetery. Where will we geeks go if they are gone?[/quote]
Amazon
CoronitaParticipant[quote=UCGal]I’ve had lollipop running on my nexus 5. I like it a lot.
My old phone was an ancient nexus S that was super memory limited (couldn’t update google without clearing the cache of EVERY application, otherwise I’d get memory errors.)
I bought the nexus 5 so I can use it on my carrier here (sprint network) and use it in Europe on GSM.[/quote]
It’s my favorite device of choice right now.
CoronitaParticipantYeah, about a few months ago.
CoronitaParticipantGreat. Now i need to go to Fry’s to get electronic components.
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