[GH]

As long as there is no price fixing (cough!) I don’t personally care what a broker charges. In UK 2% seems to be the going rate and Realtors there make a decent living. Solicitors (Attorneys) fees are charged separately and can amount to quite a bit. They seem to do most of the grunt work.

[GH]

The problem with test driven education is that it rewards memory over reasoning. There are many kinds of intelligence, but IMO memory is not much of an indicator, and thus testing fails.

When I took my O levels and A levels in UK, testing was still an unpleasant part of school life, but the tests were almost all essay and paragraph answer questions with only 25% being multiple guess. These exams had to be read and graded by a tester, increasing the odds you may fall victim to an examiner who just did not like your style, but increased the odds you actually knew the subject matter.

IMO schools have turned into test score mills.

[GH]

The problem with test driven education is that it rewards memory over reasoning. There are many kinds of intelligence, but IMO memory is not much of an indicator, and thus testing fails.

When I took my O levels and A levels in UK, testing was still an unpleasant part of school life, but the tests were almost all essay and paragraph answer questions with only 25% being multiple guess. These exams had to be read and graded by a tester, increasing the odds you may fall victim to an examiner who just did not like your style, but increased the odds you actually knew the subject matter.

IMO schools have turned into test score mills.

[GH]

The problem with test driven education is that it rewards memory over reasoning. There are many kinds of intelligence, but IMO memory is not much of an indicator, and thus testing fails.

When I took my O levels and A levels in UK, testing was still an unpleasant part of school life, but the tests were almost all essay and paragraph answer questions with only 25% being multiple guess. These exams had to be read and graded by a tester, increasing the odds you may fall victim to an examiner who just did not like your style, but increased the odds you actually knew the subject matter.

IMO schools have turned into test score mills.

[GH]

The problem with test driven education is that it rewards memory over reasoning. There are many kinds of intelligence, but IMO memory is not much of an indicator, and thus testing fails.

When I took my O levels and A levels in UK, testing was still an unpleasant part of school life, but the tests were almost all essay and paragraph answer questions with only 25% being multiple guess. These exams had to be read and graded by a tester, increasing the odds you may fall victim to an examiner who just did not like your style, but increased the odds you actually knew the subject matter.

IMO schools have turned into test score mills.

[GH]

The problem with test driven education is that it rewards memory over reasoning. There are many kinds of intelligence, but IMO memory is not much of an indicator, and thus testing fails.

When I took my O levels and A levels in UK, testing was still an unpleasant part of school life, but the tests were almost all essay and paragraph answer questions with only 25% being multiple guess. These exams had to be read and graded by a tester, increasing the odds you may fall victim to an examiner who just did not like your style, but increased the odds you actually knew the subject matter.

IMO schools have turned into test score mills.

[GH]

[quote=CA renter]the future is (most likely, IMHO) deflation. Our money is almost all in cash right now, so am putting my money where my mouth is.[/quote]

I tend to agree on deflation at least in the short term. I disagree that deflation is preferable to inflation, since this assumes that the cash you hold becomes more valuable each day, but that cash is only good if everyone agrees it is good.

I believe and easy math proves that without massive wage inflation to make up for the huge leveraging which has occurred in the last 25 years, virtually ALL debt currently held will default.

As the debt defaults, those defaulting are effectively taken out of the financial system and those defaulted on are effectively also placed in a position of default and then taken out of the financial system in a very destructive manner.

With each default, things go from worse to even worse and I believe we are already circling a black hole of debt, which will eventually destroy our currency and collapse the worldwide economic system, which depends on ever increasing debt.

It is my position that inflation occurred in the past when money which cannot be repaid was loaned out of thin air into existence. Now we get to choose the form of the destructor (Ghost Busters)

[GH]

[quote=CA renter]the future is (most likely, IMHO) deflation. Our money is almost all in cash right now, so am putting my money where my mouth is.[/quote]

I tend to agree on deflation at least in the short term. I disagree that deflation is preferable to inflation, since this assumes that the cash you hold becomes more valuable each day, but that cash is only good if everyone agrees it is good.

I believe and easy math proves that without massive wage inflation to make up for the huge leveraging which has occurred in the last 25 years, virtually ALL debt currently held will default.

As the debt defaults, those defaulting are effectively taken out of the financial system and those defaulted on are effectively also placed in a position of default and then taken out of the financial system in a very destructive manner.

With each default, things go from worse to even worse and I believe we are already circling a black hole of debt, which will eventually destroy our currency and collapse the worldwide economic system, which depends on ever increasing debt.

It is my position that inflation occurred in the past when money which cannot be repaid was loaned out of thin air into existence. Now we get to choose the form of the destructor (Ghost Busters)

[GH]

[quote=CA renter]the future is (most likely, IMHO) deflation. Our money is almost all in cash right now, so am putting my money where my mouth is.[/quote]

I tend to agree on deflation at least in the short term. I disagree that deflation is preferable to inflation, since this assumes that the cash you hold becomes more valuable each day, but that cash is only good if everyone agrees it is good.

I believe and easy math proves that without massive wage inflation to make up for the huge leveraging which has occurred in the last 25 years, virtually ALL debt currently held will default.

As the debt defaults, those defaulting are effectively taken out of the financial system and those defaulted on are effectively also placed in a position of default and then taken out of the financial system in a very destructive manner.

With each default, things go from worse to even worse and I believe we are already circling a black hole of debt, which will eventually destroy our currency and collapse the worldwide economic system, which depends on ever increasing debt.

It is my position that inflation occurred in the past when money which cannot be repaid was loaned out of thin air into existence. Now we get to choose the form of the destructor (Ghost Busters)

[GH]

[quote=CA renter]the future is (most likely, IMHO) deflation. Our money is almost all in cash right now, so am putting my money where my mouth is.[/quote]

I tend to agree on deflation at least in the short term. I disagree that deflation is preferable to inflation, since this assumes that the cash you hold becomes more valuable each day, but that cash is only good if everyone agrees it is good.

I believe and easy math proves that without massive wage inflation to make up for the huge leveraging which has occurred in the last 25 years, virtually ALL debt currently held will default.

As the debt defaults, those defaulting are effectively taken out of the financial system and those defaulted on are effectively also placed in a position of default and then taken out of the financial system in a very destructive manner.

With each default, things go from worse to even worse and I believe we are already circling a black hole of debt, which will eventually destroy our currency and collapse the worldwide economic system, which depends on ever increasing debt.

It is my position that inflation occurred in the past when money which cannot be repaid was loaned out of thin air into existence. Now we get to choose the form of the destructor (Ghost Busters)

[GH]

[quote=CA renter]the future is (most likely, IMHO) deflation. Our money is almost all in cash right now, so am putting my money where my mouth is.[/quote]

I tend to agree on deflation at least in the short term. I disagree that deflation is preferable to inflation, since this assumes that the cash you hold becomes more valuable each day, but that cash is only good if everyone agrees it is good.

I believe and easy math proves that without massive wage inflation to make up for the huge leveraging which has occurred in the last 25 years, virtually ALL debt currently held will default.

As the debt defaults, those defaulting are effectively taken out of the financial system and those defaulted on are effectively also placed in a position of default and then taken out of the financial system in a very destructive manner.

With each default, things go from worse to even worse and I believe we are already circling a black hole of debt, which will eventually destroy our currency and collapse the worldwide economic system, which depends on ever increasing debt.

It is my position that inflation occurred in the past when money which cannot be repaid was loaned out of thin air into existence. Now we get to choose the form of the destructor (Ghost Busters)

[GH]

[quote=CA renter]Of course, by debasing our currency, we are effectively defaulting, IMHO.[/quote]

I would say we are not debasing our currency. This already happened during the bubble. Now we get to choose as a collective how we default.

[GH]

[quote=CA renter]Of course, by debasing our currency, we are effectively defaulting, IMHO.[/quote]

I would say we are not debasing our currency. This already happened during the bubble. Now we get to choose as a collective how we default.

[GH]

[quote=CA renter]Of course, by debasing our currency, we are effectively defaulting, IMHO.[/quote]

I would say we are not debasing our currency. This already happened during the bubble. Now we get to choose as a collective how we default.

[GH]

[quote=CA renter]Of course, by debasing our currency, we are effectively defaulting, IMHO.[/quote]

I would say we are not debasing our currency. This already happened during the bubble. Now we get to choose as a collective how we default.

[Author]

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