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[quote=ocrenter]

it’s just a way to try to manage “overusers” of the system.[/quote]

Yup. If there was no cost to going to the doctor, people would be there everyday.

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We’re thinking about using laminate flooring from IKEA. It’s cheaper per square foot than epoxy and looks nicer. I don’t understand the appeal of the confetti look.

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I don’t know what the details are with respect to timing, etc., but unless you received some sort of release from the brokerage, you’re going to need a lawyer to sort this out. Do you have anything from the agent as evidence that “all would be good” if you didn’t sell using anyone else during the 3 months following the end of the RLA?

The standard form in California was written by the realtors for the protection of the realtors. One should always be cautious . . .

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I am aware of at least one fairly prominent agent who purported to be unaware of whatever section it is that entitles them to the commission once a contract reaches a certain stage of maturity even if the deal never closes (can’t remember what the milestones are anymore). Not sure if she was actually unaware or playing dumb. It may be the broker, not your agent, who’s decided to try to enforce that section. In any event, we modified that same section before we signed it to avoid just what you’re dealing with now. I’d get a good lawyer.

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Here’s my concern – let’s say you find out you have a (significant) genetic disease. Do you now have an obligation to disclose that fact when applying for health/life insurance? I have a friend whose mom has huntingtons disease … He doesn’t want to get tested for fear he’ll have to disclose it the results (he has a 50/50 chance). And even if you don’t have health life insurance issues – maybe there are some things you don’t want to know –

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Wait – there are people in San Diego who haven’t seen a tesla? It seems like I pass at least 2 or 3 every time I drive anywhere. And everytime I see one I ask myself why there is a grille on the front …. (Or anywhere on the car for that matter).

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One more advantage of using a GC is that the subs want his/her return business. I would assume subs are more interested in keeping the GCs happy than individuals who might never have another job for them.

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[quote=Rhett]I’m not sure I get the dementia theory – aren’t a lot of the “16” reporting incidents that took place 5-10 years ago, back during Filner’s Washington days? And why weren’t at least a few of those things reported then? Is the quid pro quo system inside the Beltway so great that all of these women felt they were going to lose some sort of tangible benefit by coming forward?

We had a sniff of this behavior when Bob had that nasty run-in with a TSA agent. Like many other people, I sort of ignored this, because it was the *TSA* after all, an entity that has employees that piss off otherwise reasonable people. We also had Carl DeMaio come forward during a debate and hint that Filner had issues, but I thought that was just an extension of the TSA issue, and he didn’t suggest otherwise.

If they knew more – and it certainly sounds like they did – I don’t get is why DeMaio’s camp didn’t exploit this for what it was worth during the election run-up. Did their numbers suggest that wouldn’t need to go that route? If I didn’t know better, it almost seemed as if they *tried* to sandbag the election for themselves.

Politics in this town are crazy.[/quote]

I’m not saying that I am sure about the dementia theory. However, symptoms of frontal lobe dementia begin in the 50s to early 60s. So it’s possible. With regard to people not reporting sooner, I think that many people who are wronged in one way or another don’t come forward because they fear not being believed. For example, if number 16 was the only one to come forward, would she have been taken seriously? I’m almost certain she wouldn’t.

With respect to Carl DeMaio, I wonder whether he chose to avoid the issue out of desire not to have the focus turned to his own sexual orientation. A gay man criticizing the womanizing behavior of a straight man is taking a risk.

I do wonder whether the Democratic party thought Filner was electable and planned to replace him once he was in office. Or he promised to behave if he were elected and then continued with the bad behavior.

He’s an embarrassment to the city though. I think he should step down.

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Politicians should be held to a higher level of conduct than the average Joe. The mayor has significant influence over all residents of San Diego. Because of that, s/he has a much higher likelihood of seeming coercive.

I personally wonder whether Filner may be showing signs of dementia. I agree that the most recent victim seems an odd choice – it makes more sense if he is in the early stages of dementia. This type is not Alzheimers, but frontal lobe. These people slowly lose their “civilization,” and ultimately do things like disrobe in public and engage in (very) sexually inappropriate activities. It starts early and can progress slowly, and in the early stages is hard to distinguish from run of the mill bad behavior. That would be bad for the city – if it’s the result of a disease I wonder whether the city would be on the hook financially.

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[quote=all]

Get roomba at Costco. It won’t mop, but it will get off the charging station, sweep and go back.[/quote]

Do you have one? Does it transition well/at all between tile and carpet?

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[quote=FlyerInHi]nj, you seem to imply that those who can afford to pay should suck it up and pay.

But the contract doesn’t care what the cause of non payment is. It could be sickness, loss of job.., the bank doesn’t care.

[/quote]

You do realize that banks are different than social service agencies, right? And by the way, there is nothing to stop the borrower, during negotiations, from requesting that a clause be put in the mortgage contract that allows the borrower to walk away in the event of illness or loss of job. Borrowers never do it because they know that the bank won’t give them the money under such terms. Borrowers are big boys and girls and I think people should live up to their promises.

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[quote=FlyerInHi]CAr, the borrowers were not victims.
They abided by the terms of their loans when they stopped making payments and the banks foreclosed on the collateral. Simple resolution to a business contract between 2 private parties.[/quote]

That’s like saying that when I refuse to pay you money that I owe you under a contract and you take me to court it’s a “simple resolution to a business contract.” Foreclosure is a legal remedy for breach of contract – it was not the goal of the contract.

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[quote=FlyerInHi]

There needs to be defaults of different nature so that the banks, in the aggregate, learn and price the risks accordingly and fine tune their systems of underwriting. That’s the trial and error of the free market. There is collateral damage and there are winners and losers.

[/quote]

Wait – are you saying that anything that effects the economy is necessary? The free market was dramatically influenced by the 9/11 attacks (we got a fantastic deal on a house for that reason). By your reasoning we need attacks like 9/11 for the economy to work. Frankly I’d prefer the “trials and the errors” that you mention to be a bit less dramatic.

Finally, as PT Barnum said: You can’t cheat an honest man.

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[quote=new to SD]I was hoping there may be a reader who has access to financing terms below 11% with 20% to 25% down?

Answer to questions:

-It was a business decision(like any other uninsured event*) and Wells Fargo signed the same contract I signed
-I knew the default would take three years to fix my FICO.
-I save 30% of what I make, donate 5% and and work 6-7 days a week

* Ask your self if you would you hand the bank the property if you had a mud slide, sink hole or uninsured catastrophic earthquake[/quote]

1. Just for the record, simply deciding to take a step and suffer the consequences does not make the original decision ethical.

2. A business decision is not an uninsured event. Most of the businesses you deal with have business or malpractice insurance. You can insure against mudslides, sink holes and earthquakes (see California Earthquake Authority – to whom I just wrote a check).

I would not have contributed to this discussion based on your original post. The resulting discussion, though, just became too ridiculous for me to remain silent.

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[quote=SK in CV][quote=njtosd]
Let’s not be ridiculous here. Without the “bad borrowers” there wouldn’t have been a problem. They were not the only source of the problem, but they were indispensable, just as the banks, etc. were.[/quote]

The bad lenders knew they were making bad loans. If they don’t make those loans, there are no borrowers, only denied applications. And there is no bubble.[/quote]

And many borrowers knew that they were overextending themselves. The banks (or bars or bakeries or casinos) are not there to save us from our bad decisions. I believe all businesses should act ethically and that there is a lot of accurate criticism of the financial industry. But we’d all be better off if everyone made careful decisions and honored obligations.

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