[lniles]

I’m in a condo with $200 HOA and it pays for all that plus water and trash/waste but no cable. I pay $90 for 50-something channels of sheeyat but I have it for the cable modem internet.

The HOA insurance is for the building, covers stuff like fire etc. but it does not cover what’s IN the condo, like your wife’s diamond ring, your Gibson Les Paul, or your collection of 20th century vintage porn. Unless all your stuff is from Ikea I recommend that you get your own insurance for those things, and the cost depends on what you’re insuring in some cases.

BTW as an experienced owner I have had nothing but bad experiences with HOAs. For example, I surf and SCUBA and on occasion have been warned not to hang my gear outside (I do that to dry it, GOSH!) and other nitty-pickies like that. I guess I just have a problem with authority, ‘specially when it comes from some retired dude who has nothing better to do than join the HOA board and spy on neighbors in their homes. Pervert!

Look around, Poway has LOTS of non-HOA SFR’s and some with enough land that you shouldn’t care what your neighbors are doing!

[lniles]

I’m in a condo with $200 HOA and it pays for all that plus water and trash/waste but no cable. I pay $90 for 50-something channels of sheeyat but I have it for the cable modem internet.

The HOA insurance is for the building, covers stuff like fire etc. but it does not cover what’s IN the condo, like your wife’s diamond ring, your Gibson Les Paul, or your collection of 20th century vintage porn. Unless all your stuff is from Ikea I recommend that you get your own insurance for those things, and the cost depends on what you’re insuring in some cases.

BTW as an experienced owner I have had nothing but bad experiences with HOAs. For example, I surf and SCUBA and on occasion have been warned not to hang my gear outside (I do that to dry it, GOSH!) and other nitty-pickies like that. I guess I just have a problem with authority, ‘specially when it comes from some retired dude who has nothing better to do than join the HOA board and spy on neighbors in their homes. Pervert!

Look around, Poway has LOTS of non-HOA SFR’s and some with enough land that you shouldn’t care what your neighbors are doing!

[lniles]

Is that 250k euros? Dude you got a sweet granny.

[lniles]

Is that 250k euros? Dude you got a sweet granny.

[lniles]

Wow. A friend of a friend bought property she couldn’t afford with loans she can’t upkeep and now wants to borrow money from you.

This is a no-brainer: give her what she wants! In fact, I’d take this opportunity to increase your karma by giving her double whatever she asks for.

But be careful, don’t offend her by demanding any written contract. After all, she’s a friend of a friend and you don’t want to damage that type of relationship over something petty like money. If you have it just give it to her, that’s what friends of friends are for.

Now that we’re all friendly, can I have your name and phone number? I have some other opportunities I’d like to discuss with you.

[lniles]

Wow. A friend of a friend bought property she couldn’t afford with loans she can’t upkeep and now wants to borrow money from you.

This is a no-brainer: give her what she wants! In fact, I’d take this opportunity to increase your karma by giving her double whatever she asks for.

But be careful, don’t offend her by demanding any written contract. After all, she’s a friend of a friend and you don’t want to damage that type of relationship over something petty like money. If you have it just give it to her, that’s what friends of friends are for.

Now that we’re all friendly, can I have your name and phone number? I have some other opportunities I’d like to discuss with you.

[lniles]

While you’re at it, check out Karen Armstrongs books. She was a Catholic nun and is now a prolific author on the history and origins of world religions. In particular to this discussion, see her book on Mohammad and Islam:

I’m athiestic but think calling Islam a “religion of the sword” is a naive to say the least, especially in comparison to the violence commited in cultures which are dominantly Christian or Catholic. The real crime is that our media only reports from certain perspectives which tend to bias one’s judgement. Forget the media, people! Read some history, travel, get a global perspective (yes I’ve done this including traveling all up over the middle east).

[lniles]

While you’re at it, check out Karen Armstrongs books. She was a Catholic nun and is now a prolific author on the history and origins of world religions. In particular to this discussion, see her book on Mohammad and Islam:

I’m athiestic but think calling Islam a “religion of the sword” is a naive to say the least, especially in comparison to the violence commited in cultures which are dominantly Christian or Catholic. The real crime is that our media only reports from certain perspectives which tend to bias one’s judgement. Forget the media, people! Read some history, travel, get a global perspective (yes I’ve done this including traveling all up over the middle east).

[lniles]

Deutche Bank’s comments really puzzle me. What they call a slow-moving train wreck I call a rollercoaster creaking up to the first big drop-off. I liked hawk’s link to

http://www.nypost.com/seven/07112007/business/roof_caves_in_business_paul_tharp_and_roddy_boyd.htm
“July 11, 2007 — Wall Street is bracing for a nearly $2 trillion washout over the collapse of hollow and shaky mortgage bonds, triggering fears of a recession worse than the dot-com bubble bursting.”

(of course I liked it, it supported my opinion heh heh)

[lniles]

Deutche Bank’s comments really puzzle me. What they call a slow-moving train wreck I call a rollercoaster creaking up to the first big drop-off. I liked hawk’s link to

http://www.nypost.com/seven/07112007/business/roof_caves_in_business_paul_tharp_and_roddy_boyd.htm
“July 11, 2007 — Wall Street is bracing for a nearly $2 trillion washout over the collapse of hollow and shaky mortgage bonds, triggering fears of a recession worse than the dot-com bubble bursting.”

(of course I liked it, it supported my opinion heh heh)

[lniles]

Hi rb_engineer, my point is subprime woes have affected the market. You can still say it is up 10% this year or you can say it is up 1000% this century, yet these are merely interesting facts which do not contradict my view.

I hold many stocks that I never thought could be affected by subprime, but yesterday I lost ~ 3% after the S&P junked $12B of subprime holdings (I’m still up over 13% this year). This includes foreign stocks.

I feel certain my stocks would be doing much better if this subprime storm cloud was not hanging over the economy. Yesterday was obvious, but in general things have been affected for months.

[lniles]

Hi rb_engineer, my point is subprime woes have affected the market. You can still say it is up 10% this year or you can say it is up 1000% this century, yet these are merely interesting facts which do not contradict my view.

I hold many stocks that I never thought could be affected by subprime, but yesterday I lost ~ 3% after the S&P junked $12B of subprime holdings (I’m still up over 13% this year). This includes foreign stocks.

I feel certain my stocks would be doing much better if this subprime storm cloud was not hanging over the economy. Yesterday was obvious, but in general things have been affected for months.

[lniles]

Why are sheeple still pondering the question "Will subprime woes spill over to stocks?" THEY ALREADY HAVE, in almost every major market worldwide!

Asking if subprime will affect other markets is like asking whether the USA is going to war in Iraq. The real question should be: Why are sheeple so entrenched in their belief that subprime woes are isolated to the housing market?  Wake up and smell the napalm!

[lniles]

Why are sheeple still pondering the question "Will subprime woes spill over to stocks?" THEY ALREADY HAVE, in almost every major market worldwide!

Asking if subprime will affect other markets is like asking whether the USA is going to war in Iraq. The real question should be: Why are sheeple so entrenched in their belief that subprime woes are isolated to the housing market?  Wake up and smell the napalm!

[lniles]

Sharkey, CD’s are just as safe (although not as liquid) as money markets and give a much better return. Shouldn’t your 401(k) funds be in cds?

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