[docteur]

SDR –

Apologizing in advance doesn’t make it OK to do.

If it did, we could commit a whole host of wrongs and never be held accountable for them.

You set the standard. Let’s continue to keep our word and recreate the agreement to stick with real estate only.

Deal? (Come on now, that’s a word we both can relate to).

[docteur]

SDR – Per your own words:

“Please exchange emails and continue your off topic discussion elsewhere. It really has nothing to do with RE and belongs elsewhere.”

Ask of me only what you are willing to do yourself.

[docteur]

LK – I don’t doubt your numbers only the conclusions that may have been derived from them.

And yes, until my beliefs cease to be useful ones, I will continue to hold on to them.

Enjoy that birthday dinner.

Thanks for sharing.

[docteur]

LK – In my experience 40% of the purchasers who bought last year were not speculators using ARMs.

Yes, the percent of buyers using ARMS and other exotic loans was high but I don’t believe it is something to become fearful of at this point in time. I believe some folks will be hurt by their greed or lack of rational financial judgment. I also believe most will handle whatever the upcoming weather may be.

I don’t see the sky falling around me and until I do, until clear and convincing evidence presents itself that we are on a path to destruction, I am simply going to sit sight tight and observe whatever is next. I believe worrying is a waste of time because our greatest fears never come to pass for to know what they are predisposes them from ever happening. Don’t you think a lot of those folks who took out ARMS are already anticipating rate adjustments and taking actions to deal with those changes?

Planning for the infinite number of possibilities that could occur, focusing on those with the highest probabilities of happening, is a good use of your time.

Thanks for sharing.

[docteur]

SDR –

I couldn’t agree with you more. But that is my personal experience of this market.

And since the market is so broad and varied, I don’t think any one overall prediction can be made about what will or will not happen on a large scale.

We sometimes seem to forget that real estate is a local phenomenon. There will always be soft markets and hot markets, regardless of the state of the market in general.

[docteur]

SDR – I would be happy to honor your request.

I, in turn request that you stick to the facts and end the personal attacks as they too have nothing to do with real estate.

Agreed?

Thanks for your support in keeping us on track and focused on the purpose of this forum, that being to inform and educate one another on the real estate market.

[docteur]

PS – Thanks for the invitation. I have no strong opinion regarding where housing is going either way. When I do, when I have the certainty of my convictions and I observe that a new trend has been established, I will then act upon it vigorously.

However, my WAG (wild ass guess), based on past experience and current data, is that housing sales will continue to slow, interest rates will continue to rise (slowly) and a few selected markets will suffer more than others (downtown San Diego and outlying areas like Escondido, in particular). How much? I have absolutely no clue.

I do not believe we will see massive drops in values (especially in the coastal zones) nor do I believe that people should sell their homes in anticipation of that happening. I see absolutely no desperation in listings in my area (homes are selling as usual in Carmel Valley and no one seems to be worried about a “market crash”).

I believe that the increases in inventory are due to several factors, one of which are last ditch attempts by late party arrivals to maximize profits at what they believe are market tops (a move propelled by greed, not fear or desperation or a belief that the market is crashing). I also believe, that when their homes don’t sell at their inflated prices, the majority of them will simply pull their houses off the market and stay put.

I believe a lot of people are fishing, in hopes of catching the big one but now, the big fish just aren’t biting. So, they will do what any fisherman does, pack up and go home.

I believe there is going to be some pain felt by those who took out adjustable rate mortgages in the last year or so. But will it cause massive foreclosures, bankruptcies and an erosion in the economy like one we have never seen? No. I do not believe that by any stretch of the imagination.

I believe that if things get really bad that lenders will come up with ways to alleviate the pain and mortgages will be recast to prevent foreclosures on a massive scale. The last thing lenders want are REOs. Having said that, I do not believe that will be necessary.

I believe that when most everyone is anticipating a collapse, just by virtue of that awareness, it won’t happen. Bubbles burst by surprise, like the stock market did in 2000. A lot of folks were caught off guard then because they believed values would continue rising and greed clouded their judgement.

Do the majority of people in American believe that residnetial real estate will continue raging higher? In my experience, absolutely not. Some are still buying on speculation but their numbers are insignificant. After hearing about a bubble for several years, the buzz is now about how the real estate party is over and everyone knows it.

Over the last few weeks, I have actually asked several of my friends and neighbors this question: “If values fell 50% over the next five years, what would you do?” “Nothing” was the common response. There is no fear in my neck of the woods.

Everyone I know is here for the long run (at least until their children have finsihed high school, which in many cases could be ten years or more) and not one of them is depending on their home for retirement. Not a one.

So, here’s what I believe, bottom line: The party’s over. Most folks will now go home and simply stay there until they get invited to another party, which may not be for a while. Some folks arrived too late and stayed too long at the party and will suffer the consequences in the form of a financial hangover. Others simply left too early and missed a heck of a lot of fun. The party was pretty wild and some folks left out of fear. Some folks missed the party altogether and are very upset by hearing about what a great party it was…

[docteur]

PS –

With all due respect, I have rocked the boat more times than I care to remember. For years I lived in an extremely hostile environment of my own creation. I was outspoken, controversial, confrontational and downright hostile.

I have dealt with enormous amounts of anger in my life (you know absolutely nothing of my past). Yet, I have found that I get much better results when I am courteous, respectful and non-combative.

I operate from where I do because it is what works and produces my intended results. Safety is not even a consideration for me. I do not need any armour to operate from here. I am not intimidated by anger nor do I need to respond to it in like kind.

I am a master at intimidating others but it simply doesn’t work to further my agenda in this world. If it did, I would use it but again, my experience tells me, it is futile. It simply doesn’t work.

I agree that we need to keep the “personal stuff” out of our posts and simply take responsibility for what we are creating in our lives.

My purpose is to communicate, not alienate. Being controversial is fine if I can enlighten you to my perspective on a particular issue, but if I don’t, I have failed and only succeeded in alienating you further, causing you to dig your heels deeper into your position. No movement, no real communication except anger, hostility and frustration.

I find it interesting that when you are being attacked, you are always there. You can walk away. Sometimes the best response is none at all. You don’t have to always react to what others say. Ignore it, and it has absolutely no power over you. None. That takes real courage.

I agree, sometimes we need to “rock the boat” to get it moving. Other times, it can sink us. Chose your responses carefully.

Lastly, when anger or hostility is directed towards you, you have several options: fight, flee, get out of the way, or redirect that anger in such a way that it doesn’t harm you (this takes tremendous courage and patience, especially in a situation where your life is threatened). Then after the situation is diffused, the last thing we need to do is look at why the anger showed up in the first place.

If I truly believe I am responsible for an angry or hostile situation and the one who created it, then I can recreate it in any way I want. I have the power, not the person directing the anger at me. I am the one in control, not the angry person who is out of control.

Remember: “What you resist, persists.”

Thanks for sharing. I appreciate your investment of time to respond to my post. Rock on…

[docteur]

PD –

Nope. No recollections. I might be a first timer here…

[docteur]

Whoops – Senior Moment. Double Post.

[docteur]

I’ve been cloned. Thanks PoppaKoppa for stepping up.

[docteur]

SDR – Thanks for your perspective.

[docteur]

PD – I believe God has no gender, so it follows that our Soul/Self/Spirit doesn’t either.

I am born as I chose to be born, male or female (which really is insignificant to me because the body is simply a container for the spirit).

In our boundless wisdom, we as ageless Gods, chose eons ago to create gender, so we could continue to perpetuate the illusion we call life. Why? Because it’s fun to create problems, so we can solve them, giving us something to do. “The best way to get rid of your problems is get bigger ones.”

Quite frankly, bliss is boring. Nirvana is nowhere (now here). If we truly lived in the moment, eveything would disappear and we would be left with nothing. How boring!

So, the universe was created out of nothing. Out of boredom. “In the beginning there was nothing and God said, let there be light.”

Problem number one: We now have light but nothing to illuminate. OK, we need stuff to light up. And before you know it, stuff was being created right and left, so much stuff that we will never be able to remember how we made it all. We will need forever to figure it all out. How brilliant is that?

God(s) wanted to play, so here we are, upping the ante to life on a daily basis, to give it more meaning. Ever notice the worse it gets, the better it gets, the more we are challenged. And the closer we become to ending it all (but never do), the better off we seem to be? I believe we never will end it all because we would have to go back to being bored again. Yikes!

That’s the cosmic joke. It’s just a giant game and the stakes are the illusion of death (nothingness/boredom). So, of course we pretend to take it all seriously.

(If you haven’t already, you should read “Illusions” by Richard Bach. He nails It).

Am I aware of my past lives? I believe my life is one, long moment that is illuminated forever in the now and what we call life, death, reincarnation are simply aspects of one continuous never ending transformation (or flow of ever expanding spirit), from one form into another. Today a man, tomorrow a toad (or maybe both simultaneously).

Einstein said “You cannot create nor destroy energy.” I substitute spirit for energy in this case because I know that’s what the old guy meant.

So that means we can only transform it (energy/spirit). Life is relative and we are all related (came from the same Source).

The Beatles said it best in the song entitled I am the Walrus, from the album Magical Mystery Tour:

“I am he as you are he as you are me and we are all together…”

goo goo g’joob.

[docteur]

OK. I have to step in here. There is absolutely nothing to be gained by trading insults. Nothing.

If you want to insult one another, get a radio talk show.

An intelligent person can respond to another courteously and without malice, regardless of what the other person has said or how ridiculous it may seem. Take the perspective that anyone who communicates on this forum deserves our respect, simply by being willing to take the time and energy to participate.

The intention here should be to support one another in gaining knowledge in a wide variety of areas, real estate being the primary one. Our commitment here should be to share our ideas and information – that’s what a forum is all about – and to always leave the person we communicate with in a better condition than we found them.

Insults shut down communication. It’s that simple. They run counter to what we, as a group, intend to accomplish here.

I suggest we start each new response with the mindset of “Thanks for sharing that and participating in this forum. I invite you to consider my point of view…”

My doing that we internally acknowledge the importance of each person’s invidivual contribution to our overall knowledge base and set up the condition within ourselves to communicate effectively and responsibly to everyone else who is participating in this forum.

Respect should permeate all that we say and do because if it doesn’t, your intention is not to communicate but to insult or hurt or feed your ego. “Vengence is a wheel that crushes the one who starts it in motion.”

So be like Thumper, the little hare brain, who said these immortal words in “Bambi”, that great Disney movie:

“If you don’t have something nice to say, don’t say it at all.”

Or, to those of you who can relate better to Archie Bunker and may have self control issues: “Stifle yourself.”

[docteur]

Hi PD.

You make me smile by the simple act of sharing that (another snippet of proof that by the results produced, my intentions are clear).

Now, on to your three questions:

Yes I am certain I chose my parents and yes, I am certain I chose to be a boy (obviously because that’s what happened), both results of my intentions. Results always produce absolute certainty — “I did that” or “I made this.”

Although, please be clear that by taking complete and total responsibility for that outcome, I am in no way downplaying my parents responsibility for what was produced as the end result. That my dear, would be “bad karma.” heh heh heh

It’s interesting to note that you asked me if I chose the first two (parents and gender) but then asked if I believed in the third (reincarnation).

I will answer it this way: Do I intend to cause my Self to be “reincarnated”? Yes. Absolutely. Yet only the results will reveal if I was successful in my intended outcome, which at this point in time (the now), it is impossible to assess.

However, in order to let everyone know precisely what my intentions are after my “death” I will make sure that the following declaration is inscribed on my headstone:

“To be continued…”

[Author]

Posts