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I will report back. The guy responded at first but hasn’t since. I think i might be ghosted again!

I won’t pay $400 per tree to trim. They are already trimmed 80% of the way. They might look a little better but not that much.

The tree to be removed could just be chainsawed and buried in a shall grave in the back yard.

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Average mortgage rates below 3.5% (3.46%) for the first time in 3+ years.

http://www.mortgagenewsdaily.com/consumer_rates/920655.aspx

Plenty of room to fall further: delinquencies and foreclosures at 10+ year lows.

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Thanks, I gave him an email and he responded right away. Sounded like he was busy.

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Now revised to 7% plus inflation and a 5 year sunset date when it stops being law.

It is really so weak the people who get hit with before-effective-date increases will be the main people affected.

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London is overpriced, the rest is stagnant economy and falling population.

UK stocks may be better, but they were mostly overpriced compared to French companies when I last compared.

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The failed rent control bills in San Diego and Chula Vista scared a lot of landlords into giant rent increases, 50%+, while they still had a chance. Same will happen here. It will also induce landlord to try for the max increase if it use it or lose it.

Now 5%+ inflation is a pretty big increase still if it is done every year.

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SPD a lot of CUVs these days are like 3 inches higher than the sedan platform they are based on. I would get a minivan before a full size crossover or SUV. But compact CUVs these days are basically the midsize hatchbacks of 10-15 years ago.

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I want to get a new car, however I live 3 miles from work and put about 2500 miles a year on my car. So my 9 year old Toyota is around 33k (purchased it used with about 15k). Hard to justify replacing a trouble free car with 33k miles on it.

I saw a Mercedes GLE 63 on the road last week, beautiful CUV.

I used to admire my old neighbor’s 2005 Quattroporte in the parking garage. Just beautiful inside and out and from every angle. I bet I could get one cheap now but it would be a money pit.

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Germany: high taxes, declining population, cold weather causing retirees to go south. I don’t like it as a long term real estate investment. Why not just go with upstate NY?

The NYT used to have regular articles about 2nd homes in Europe that would describe the mortgage and property tax situation at the end. I think you’d have to put about half down as a foreigner. The one time transaction costs and taxes were often very high.

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I am talking about SFH. Plenty of condos still.

Here is the 92107 listing:

https://www.sdlookup.com/Real-Estate-Ocean-Beach-Houses-For-Sale-92107

Currently 4 under 1 mil, but of those 4 only 1 in OB itself.

Centraloma and Chatsworth are solidly Point Loma.

Castelar is Loma Portal, though I guess as long as it is west of Nimitz in might be an a really expansive definition of OB.

My view though is OB ends at Ebers St on the east and Orchard Ave at the south.

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I was watching an Italian TV show from the 50s where they introduced some elderly audience members. They looked awful compared to oldsters of today. The 70 year olds looked 85, the 82 year old looked 100. More wrinkles, more hunched over, and no dentures.

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Quadraphonic never panned out (expensive and standards war) but Dolby 5.1 is only a little different.

I researched if there was an easy way to listen to Quad music from the 70s on modern surround sound. Answer: possible but very complicated.

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Denmark sees its first negative mortgage rates, German mortgage average falls below 1%, France at 1.39%:

https://www.bloomberg.com/amp/news/articles/2019-08-18/negative-mortgages-set-another-milestone-in-a-no-rate-world

I looked up Swiss mortgage rates. Despite having the lowest overall rates, mortgage rates are about 1% on 5-10 year loans and 1.5% on 15 year. Probably because of low volume and lack of government support.

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The financial press is so gloomy. OMG inverted yield curve!

Yet in real life: raises, bonuses, and job advancement like Flu seems a whole lot more common than economic stress.

Personally, 2019 will be my best year ever in business, and my only “hardship” is I keep paying raises and have been having a very difficult time even getting resumes for my open position that in 2015 was very easy to fill.

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I just checked a few rate quote sites as well as average rate data, the recent plunge in rates that started July 30 hasn’t passed through to the mortgage market yet. Maybe August sales will be weak as buyers delay closing to rate shop.

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