[joec]

Some one else here has paid it off I think, and may comment, but they may have been in a different CFD area. I think they paid closer to 60k or so.

I think Del Sur has the highest CFD rates compared to any of the other 4S areas so it should be higher, but I don’t know if your house is in both CFD districts?

One of those payment sounds more correct to me.

[joec]

[quote=livinincali][quote=spdrun]^^^

You’re misunderstanding the UBI, then. I’m not a supporter, but EVERYONE would get the UBI, regardless of whether they work or not.

So store employees wouldn’t lose the UBI if they work at a store for less than the UBI. They’d just (say) make $150,000 instead of $100,000 per year.

If the UBI is designed to cover housing, food, medical insurance, and basic clothing, the extra $50,000 per year would allow for better versions of those items, or extra money for travel, recreation, hobbies, etc, etc.[/quote]

But where does the money come from. That is the point. No matter what the number is how do you take enough from the haves so that the have nots can have guaranteed shelter and food. Understand where the money has to come from and then you’ll understand why giving everybody the same UBI makes it essentially worthless. The economy will just rebalance itself to the added income especially if it’s done via deceit spending.

It’s the same as a massive increase in rental property tax to provide for housing vouchers. Alternatively setting rent as no more than 30% of household income. The net result to a landlord is the same. If you tax me $20K and give me back $10K it’s the same as taxing me $10K[/quote]

Did you even read the article? I think the point was that the money would come from cutting and getting rid of EVERY SINGLE entitlement program we currently have now.

That means no more food stamps, no more SS, no more unemployment, etc…No more John Legal vs Juan Illegal gaming the system since whether you work or not, you got the same payment.

You also have crap systems now in place like unemployment where companies “try” to fire you and deny you benefits when you were laid off through no fault of your own. My own company did this and I was “forced” to resign or I’d have a bad mark you can say on my permanent record…

Anyhow, this payment (only for citizens) is meant to cover ALL those programs being gotten rid of.

You can imagine all those programs cost billions more and this was an idea to lower those costs.

I can see some benefits of this, but it will be probably impossible to implement, especially in our political environment.

For some people with 0 income, this can be a way to get like a monthly stipend to at least eat. A portion would also be automatically deducted for healthcare so your 13k became 10k. With EVERYONE funding healthcare as well (21 year olds don’t cost 3k to insure normally), this can possibly help with medical costs for everyone.

All I’d say is our current entitlement programs are crap and mostly a waste of money. You take away a lot of the government waste and let people choose how to spend it and maybe we’d a better system.

Just an idea…

[joec]

[quote=SK in CV][quote=bearishgurl]
When Justice Scalia died on February 13, 2016, Pres. Obama had 341 days or 11 months, 5 days left of his term (less than one year). Are you sure the reason our current Republican Senate won’t confirm any of Pres Obama’s supreme court picks in his last year of office are because he’s Black (or half-Black … as the case may be)?[/quote]

or half-black? really? why is that even worth mentioning? Has any other president ever been required to provide his birth certificate to prove he wasn’t born in Kenya? I didn’t read anything you posted except for the last paragraph. Here’s the deal. No supreme court vacancy occurring in the first 6 months of the last year of any presidents last term in office has ever not been filled by that sitting president. Even McConnell acknowledges that it’s purely political. No former president has ever been treated as poorly as this president has. None has been accused of being a liar DURING a state of the union address. None has ever been denied a hearing on a supreme court nominee.

Have you heard the tea partiers claim “I want my country back”? You know what they’re saying, right?

Yes. I’m sure.[/quote]

And these are the reasons why our political system and our politics suck so bad.

It’s never been this bad because even in the past, the government did what was needed to at least do their jobs “a little” and try to improve everyone’s / countries lives.

Now, on both sides, Republican and Democrats, it’s to shut down the country, block everything, etc etc etc…

I think both sides are just as bad as each other and they are doing this because this is just the state of our country and our politics.

Even elder Bush had to go back on his word of no more taxes and loss re-election because of it…

I honestly don’t think Dems would do any different since they aren’t any different on both sides.

[joec]

[quote=temeculaguy]

LONG POST
In all honesty I didn’t start out in Trump’s camp…

…for entertainment purposes only, and of course because I found it amusing) .

[/quote]

I think I agree with most of your points. I hate the 2 party system since we are “stuck” with these 2 candidates and there is really no (zero) chance for anyone else to run or win.

Our politics are purposely setup this way and this is actually why both Trump and Bernie ran as Republicans and Democrats to begin with.

As for voting for Trump, I think some people are doing it almost to tell the whole system a big ass F*CK you…

Some people want the whole political system to blow up and get something new, anything new and I think the Republicans are already messed up.

The whole idea that EVERY republican has to repeal ACA, be pro-life, etc etc…is just stupid.

This is why over 50% I think of people are now independent voters.

Both parties suck, but they are the only choices we can choose for.

As for Hillary, I can’t stand her too. Maybe the gut feeling, even before Trump started running or anything, I hated her already.

She just doesn’t seem genuine to me and the gut tells me (like nearly every politician), is just in it for herself…

Maybe that makes her no different, but that’s the point now right? We don’t want the same old politicians who have been always out for themselves…

As for her foundation, maybe she collects 100 million and spends 80 on good causes and pockets the other 20. Maybe they all do. Who knows, I don’t. I just can’t vote for her and I think others are in the same boat.

No wonder these two candidates are the most hated in US election history.

[joec]

[quote=flyer]Even though we’ve known kids who took that route, but still did not discover their path in life, that approach worked out great for our kids, EP, and they all seem to have found careers (and lives) they love.[/quote]

My guess is this has more to do with your guidance and parenting…than just a young kid knowing/being able to just make it. Other than sports, most people don’t make it if you research successful people I don’t think.

I have met extended family with similarly wise parents compared to others and the kids are far more successful/happy with their lives since their parents gave them the guidance when they were making the critical decisions.

It’s one thing to have interests and passions, but another to have the guidance and assistance to reach them which many people lack…

[joec]

What about voting Libertarian?

http://2016.libertarian-party.org/

http://2016.libertarian-party.org/Johnson/

Fiscal conservative, socially liberal.

[joec]

[quote=carli]Interesting piece in today’s NYT about the concept of passion and finding the right career fit by Angela Duckworth, the person who wrote that book about grit that we were discussing on this thread awhile ago.

She says some of what I was trying to express earlier, especially aimed at those young people who’ve made it through college without defining a singular career passion. I agree they should not panic. Sure, they have to find a job and pay the bills, but as she writes, “interests are developed, not discovered” and tells young graduates to “Consider your first job as an opportunity to begin an unpredictable, inefficient, trial-and-error process.”

I like this advice for young adults, especially because they often get bombarded with the idea that they “must” have a passion right out of college (and preferably before) or they’re doomed to be less-than-successful: http://www.nytimes.com/2016/06/05/jobs/graduating-and-looking-for-your-passion-just-be-patient.html%5B/quote%5D

This is nice in concept, but in reality, does this really work?

It may make more sense to at least cover the basics and get a degree where your chance for employment is exceedingly high, then pursue passions after you have something paying the bills and can make your self sufficient…

Unlike Brad Pitt, I doubt many actors make it after waiting tables or doing menial jobs, especially in this competitive global workforce/economy.

You’re better off being Masi Oka or that other Asian actor from Community who was a licensed MD and pursue acting or any other work after you can get stable “decent” pay in another career you can choose to leave IMO.

I’m sure if they talked to a lot of undeclared -> weak major grads who are having trouble finding work, their thinking and knowledge now would make them change what they studied.

Even though we will probably all change our career paths/job (I’ve changed myself), I think getting at least stable pay early on will buy you time to live/survive/travel, etc…or possibly start a new career as well.

Unless you have wealthy parents who can cover for you to let you find that long term thing.

[joec]

Saw this also….Yay…

I guess.

[joec]

[quote=treehugger]Driving for Uber is a choice, I don’t understand the controversy? Go get a job at a regular taxi service and/or only use regular taxi service if you feel so strongly against Uber. As a driver you sign up to drive for a service where tips are not expected, so why am I taking a flat fee service and putting a tip on top of it? Like anything in the service industry a tip should be earned not expected.

I have an app, I type in where I want to go, it tells me how much the ride will cost and someone comes and picks me up. There is a picture w/description of driver and reviews, I appreciate that a lot more than a regular taxi service (which I have taken in the past and been scared by my non-English speaking drivers). I have used it in various cities to get around, few miles here or there it was convenient and cheap, even with surge pricing. If we had a really engaging driver we gave them a tip otherwise no I did not tip nor did I feel obligated to. If drivers don’t like that don’t drive for Uber.

I am not sympathetic to the lawsuit.[/quote]

I think the overall problem is there are very few decent jobs now for most folks so some people do Uber just because they don’t see any/much other options in terms of work…

I’d think most people wouldn’t do Uber if they didn’t have to honestly. No benefits, pay gets cut without ANY control to you (I think this is where they should lose in any lawsuit as realtors or consultants can definitely setup their pay rates, etc…and have more freedom as independent contractors…)

The problem was cabs were a rip off and didn’t drive everywhere. Uber comes and messes everyone up and skirting all the labor laws IMO and the pay for these guys BEFORE any car expenses is pretty pathetic IMO.

As I have family driving full time for Uber, I think the company is a crock and until you do the math or know people personally who drive it full time, you really don’t know what it’s like and from reading your post, just come off as elitist and with the mindset of, don’t like it, then don’t drive it (which is true to a point though…)

I honestly hope the company crashes and burns.

[joec]

Having doctors in extended family, I actually hear it’s hard to find work as a doctor in CA due to all the other people who also want to stay in CA as doctors…so the competition is fierce unless you are incredible.

I hear you may make more in smaller towns, but that’s just my limited knowledge in this area…

Also, in terms of salary, specialists make a lot, but even with single payer, I think the guv’ment can cut out a lot of the fat that is wasted now.

As we have many family folks who are doctors, who also make shitloads of money in other countries, I don’t agree that single payer which is pretty much everywhere will put any doctor in the poor house since the one we know are insanely wealthy.

[joec]

[quote=mixxalot]How come nobody wants to sell their San Diego home, cash in and retire out of state? Thats what I’d do if I was sitting on a gold mine of equity.[/quote]

mixxalot, are you single or married with kids? I think until you have kids or are married, it’s really hard to think like anyone else who is married and with kids so it’s pretty much impossible to put yourself in that mindset or situation. I’d guess the number 1 reason people buy is when they start a family/wife wants to nest/have her own place, etc…

I’d assume a lot of parents are mostly just doing and living/working their best they can to mostly just provide for their kids as best they can. Their needs/wants takes a back seat, especially during the early years. Retiring in some far off cheap place just overall, sounds lame.

We probably have > 50% equity already, but if you sell, you still have to live somewhere and with kids, you need to want to go to that school district and general area.

Also, as an Asian dude, I like to be around other Asian stuff (food) or Asian people so that eliminates pretty much 45 other states in America.

Places in near anywhere else will be cheaper, but with 1.3 billion people in China and another billion in India (tons of Indians in all the areas I’d consider living in), I just find it near impossible that certain areas mentioned (LA, SF, bay area, etc…coastal tech hubs) will be going down in price anytime home.

Also, if you understand Asian culture, some poorer folks pool money together and actually live with uncles/family to try to get their kids ahead so their goal will still be to buy in the CV or LJ of the world just so they can all go to Cathedral Catholic or whichever is the top 10 school in CA…

Stuff like this just can’t be explained to regular American guy I think.

I can certainly see “white flight” since all these damn Asians taking over everything is probably annoying.

[joec]

That maybe true if you are comparing pure numbers, but as reported here by some of the folks and also in the news/media, a lot of the private schools know they are expensive and offer grants/aid (free money) to make the cost comparable.

I forget who, but someone here said they are at an ivy for not much more or even less than a UC school.

Also, for those on the lower income, if Stanford or Harvard is calling, you get to go for free.

With the benefits of private, you don’t have to worry as much (I don’t think) of getting classes (always full and offered once a year at UC engr classes) so if anything, I’m hoping my kids go to a top private school instead of UC (as a UC grad myself)…

[joec]

I suppose I am not the only one then…I have seen interviews with Holmes and on this company for a while and all the interviews with the head person there makes me not like her for whatever reason.

Like you said, maybe something isn’t right, but all the secrecy and a lot of the controversy surrounding the place (I think one of the early researchers committed suicide too) makes me happy the whole place is sorta imploding.

They make all these claims, have been in stealth mode for 10+ years? and no scientific reports. When some research is finally done, it is now known that it was all a sham with fake results, errors in reporting, etc etc etc…

Just more silicon valley “hype” and bubble talk.

I wonder what the valuation is now after they hit 10 billion.

[joec]

Most recent poll has Trump actually ahead of Hillary in the general…

I think she’s in trouble since the Bernie supporters won’t turn out for her so she will lose a lot of independent/bern dem supporters.

There are starting to be never Hillary folks now so as the weak candidate that she was, it’s looking like a bad week for her.

I also heard in the most recent poll, Trump is carrying the white female vote by 8-9%? I assume with Clinton taking 90% of the African American vote, all the females in that demographic are voting Hillary so the numbers are skewed overall?

This has been by far the most entertaining election so far.

As much as we’d like to think Trump is going to nuke our enemies and get us all nuked as well, I tend to think as a successful, wealthy, asset rich guy, he has far more to lose than his poor blue collar supporters if scorched earth events started to happen so it’s in his own best interests to have a more stable environment/country.

[joec]

[quote=livinincali][quote=joec]
All I can say as a data point is all the houses near my hood now are > 4k/month rent in stucco 4S McMansion hood and my mortgage even though I am stuck with a higher rate will soon be close to 2k month without tax calculations/benefits (still have prop tax though).
[/quote]

I honestly don’t understand people renting a 4K a month property unless it’s intended to be a temporary thing. I think those kind of markets are a pretty poor gauge of the rental market.[/quote]

Maybe they are, but I know of properties that have been rented near me for 3+ years at these rates by the same family. Some for 2+ and I am sure others probably are the owners/landlords that have had no trouble renting neither…

When there is only 1-2 months of supply and no cheap/affordable homes are being built, people simply have no choice I think.

Bottom line I have been saying for the longest time is the rents are insanely high IMO, but people rent them with no problems apparently and until that changes (massive job losses, some other outside event), I find it impossible for housing to go down in price.

That being the case, yeah, maybe it’s not a good indication, but I am sure flu in CV and folks who own in mira mesa or most anywhere convenient can charge what they wish and rent it out easy.

I also think “families” are much more constrained with there to live due to schools, wife not wanting to live in a slum, etc vs a single guy.

I personally wouldn’t have a problem living in a more slum place and have actually when I was single in the bay area…

[Author]

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