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paramount
Participant[quote=bearishgurl]Here we go again.
There has to be too much on the market for it to happen in SD County. We are far from that happening here. Also, certain urban trendy areas and coastal areas in coastal CA counties are “immune” from large (and fast) price declines. SD would have to successfully be attacked with nuclear weapons for that to happen.
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The tyranny of the greedy…
Participant[quote=CA renter]
The reason most good teachers are good is not because they have a better lecture. It’s because they know how to engage the students in the lessons and how to pique the students’ natural curiosity when it comes to learning. IMHO, this cannot be done through a screen (and my kids follow an online curriculum for much of their work…but I can acknowledge the faults, too).
There is nothing like an engaging debate or discussion in person. Nothing like a hands-on project. Electronic learning is good for certain things, but I highly doubt it will ever be able to replace a live teacher in a classroom.
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1st of all let’s acknowledge that learning isn’t limited to a traditional classroom – sorry I had to state the obvious.
I’ve been a “backyard astronomer/observer” for over 30 years; and I’m regularly invited to schools (public and private) to put on my astronomy show for students.
I think my astronomy/STEM outreach provides a dimension to learning that teachers normally can’t provide.
ParticipantThanks for taking this topic on scaredy…
ParticipantWe can’t even take care of our own veterans; let other countries that can help Iraq if needed.
Participant[quote=ocrenter]
Plenty of stats showing the US is leading the way in homicide rate.[/quote]
that’s true thanks to the progressives and liberals.
In the 50’s – when religion was still largely a part of the American family and before the libs took over – the problems we have today weren’t even on the radar screen.
ParticipantFirst…in the fine print in your financing contract, any buyer can only assume your payments if the lender approves. When contacted, the lender says they almost always approve a new buyer, but it states very clearly in the contract that the buyer must be approved by the lender. What happens if the lender does not give approval? Hint: you pay it off, not the new buyer.
Secondly…and more importantly…what homeowners are not thinking of at the time of the installation is this…No buyer wants to assume your debt for an item they feel they have already paid for in the sales price of the home.
Think about it. The buyer has just purchased your home that is listed with a new central air conditioning system, and then they are told in reality, they have to take over your debt to pay off the new AC system? No buyers we have seen will agree to that. The buyer is not assuming the debt you have on your existing home loan(s), so why should they assume your debt on your air conditioning system, or solar system? It doesn’t matter what the AC salesman said…the AC salesman is not the one buying your home! That is like selling your car, but asking the buyer to pay you for the car, and then also pay off your car loan too!
Thirdly, and equally as bad…Once the buyer has said they will not assume your debt, and you are faced with the real world consequence that you are responsible for the payment of said debt, did you see the part in the contract that allows the lender to not only charge you a prepayment penalty if you pay the loan off early, but charge you a processing fee as well?
Oh, you missed that part?
On a recent escrow we just closed, not only did the seller have to pay off his debt for a new solar system, but they were charged a 5% prepayment penalty (5% if paid off in year one, 4% if year two, 3% year three, etc.), but the lender also charged them a $500 processing fee. In this case, the total payoff cost to the seller was over %50,000!!
Not to be outdone, we have another escrow that involves a new air conditioning system, and while the total amount of the payoff is less, the process is the same…prepayment penalty and a processing fee of $500.
The bottom line here is that you need to be careful about the debt you take on as a homeowner when doing any upgrades to your home. Financing these upgrades can be a very good thing, as long as you don’t get caught in a vice down the road. Just as a real estate professional should not be advising you about air conditioning or solar systems, neither should these professionals give you advice about real estate.
Remember…the buyer of your home will almost always want to purchase your home free of any debt you may have aquired while you owned the home. If you keep that in mind, you will be OK.
Good luck, and don’t get caught with a loan payoff simply because some salesman said said a new buyer would assume it. Just because the buyer can, doesn’t mean the buyer will.
Participant[quote=ocrenter]
People turn to God and religion when things are out of control. That’s why people always pray and turn to whatever god they worship during earthquakes and typhoon/hurricane or other natural disasters.You are turning to your God because we have flooded this country with guns and ammo and things are unraveling and becoming out of control. Yet you still love your guns and too paranoid to support registration and control.
Given complete lack of control over this conflicting loveaffair with guns yet scared at the same time because of the uunraveling increase in gun violence, you turn to, of course, GOD.[/quote]
Some people turn to god when they perceive things are bad; many many others are devout through good and bad times.
I am not turning to god personally – never-mind me –
but this is a country that largely derives values from nonsectarian sources.The results have been disastrous to say the least.
Participant[quote=SK in CV][quote=ocrenter]
People turn to God and religion when things are out of control. That’s why people always pray and turn to whatever god they worship during earthquakes and typhoon/hurricane or other natural disasters.You are turning to your God because we have flooded this country with guns and ammo and things are unraveling and becoming out of control. Yet you still love your guns and too paranoid to support registration and control.
Given complete lack of control over this conflicting loveaffair with guns yet scared at the same time because of the uunraveling increase in gun violence, you turn to, of course, GOD.[/quote]
Belief is a choice. I just found your words very interesting shit to think about. Thanks for sharing.[/quote]
Must be me as I don’t find those words interesting at all; I do find wild assumptions being made not to mention that ocrenter stepped into the trap I set.
In my original comment I never mention god, in fact I’m an agnostic and I don’t even own a gun.
But ocrenter states I’m paranoid and yet has no idea what I might or might not supprt registration wise.
ocrenter then goes on to say godless countries have less gun violence. Wrong: those countries are NOT godless and they haven’t been as poisoned by the progressive/liberal agendas to the extent the US has.
You see ocrenter, it’s not about god per se; it’s about the solid value system and self-esteem more people than not derive from participating in a religion.
The libs have replaced that value system with relativism and materialism.
It’s not about guns, it’s about the person using the gun.
Two weeks ago Canada – which has strict gun control laws – had a “random” shooting.
A recent Harvard Study:
The study, which just appeared in Volume 30, Number 2 of the Harvard Journal of Law & Public Policy (pp. 649-694), set out to answer the question in its title: “Would Banning Firearms Reduce Murder and Suicide? A Review of International and Some Domestic Evidence.” Contrary to conventional wisdom, and the sniffs of our more sophisticated and generally anti-gun counterparts across the pond, the answer is “no.” And not just no, as in there is no correlation between gun ownership and violent crime, but an emphatic no, showing a negative correlation: as gun ownership increases, murder and suicide decreases.
Participant[quote=SK in CV]
Yep. FEMA camps are coming. Government is tyranny. Anarchy is freedom.[/quote]
Anarchy is almost always the opposite of freedom, since it typically invites scrutiny and kinetic action. Order from chaos.
Participant[quote=joec] Liberty/freedom, self-reliance and rugged individualism doesn’t amount to a whole lot if you can’t find decent work/job because there is limited opportunity. [/quote]
On the contrary, those are the very things you’ll need to survive – one way or another.
Participant[quote=bearishgurl]Imho, all you worker-bee parents overly concerned about your kid(s)’ public schools should MYOB under your 8-5 pm florescent lights and do what you do best so you can keep supporting your Teachers (this tactic worked for me just fine over the years, thank you). [/quote]
ParticipantHere is the true solution (to eliminate/reduce mass/public shootings):
1. Raise families/kids with a solid/legit church background
2. One parent home with the kids except in rare circumstances
3. Vote Tea Party/Libertarian
The Tea Party stands for liberty/freedom, self-reliance and rugged individualism. That’s what built this country.
And yes, I’m serious.
The progressives have nearly destroyed this country – and the mass/public shootings are among the most glaring symptom of a diseased society/country – a disease whose primary cause IS progressive and liberal agendas.
Gun Control and Bullet Proof crap will NEVER solve the problem or even come close.
ParticipantAnyone know where “Piney the Elder” can be bought bottled?
ParticipantI think there’s no question that public employee unions need to be neutered in California; but I’m still trying to figure out exactly which article§ion of the state constitution was violated.
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