[patb]

[quote=Hobie]Car is a depreciating asset. And when financed you are required to carry Collision insurance. Also, monthly payment is less on car so extra payments will go to principal and have a larger effect on total of all payments P+I. So, short of running numbers, my gut says; pay off car first, save insurance, then bank rest for rainy days.[/quote]

Hobie is right.

Car is a depreciating asset, it’s depreciating at a 5- 10 year rate so add 10-20 percent to it’s rate. House is depreciating at 25 year rate, so add 4% to house rate.

So figure the car is costing somewhere between 14-25% in true cost.
while house is running at 7 percent.

[patb]

trading at 33 now, down 20% from the peak.

[patb]

[quote=harvey]P
Although some jobs and roles in life have less dignity than others, it is universally accepted that prostitution is at the bottom of the scale – .[/quote]

woah harvey.

high end call girl is way more dignified then working minimum wage at McDonalds.

there are lots of dirty jobs, workign with the AIDS monkeys in the NIH,
interning for John McLaughlin. Frankly Call Girl sounds a heck of a lot more dignified then fetching coffee for Grover Norquist.

[patb]

[quote=svelte]Nissan, which has said it expects to sell 1.5 million electric vehicles around the world by 2015, has sold just 12,000 battery-electric Leafs in Japan since launching the model in 2010, according to the report.

http://www.autoblog.com/2012/04/03/reputation-of-electric-cars-takes-a-hit-in-japan-due-to-tsunami/%5B/quote%5D

Nissan only expected to sell 10,000 in 2011, so they are ahead of plan.

current BEV sales exceed hybrid sales for the same introductory period.

[patb]

“doing so safely”

Ignore all those earthquakes

[patb]

check the foundations, if those are bad walkaway.

check the roof forleaks, if it’s leaked, get a mold test, if it’s positive walk away.

check the insulation, it’s usually ridiculous, see if you can clean it out and blow new cellulose.

check for vermin, lots of them in old houses.

check fo rlead pipes, lead paint, asbestos, radium, radon.

check the roof, see if it’s good.

check the tuckpointing and chimney.

check the mechanicals, figure on a new HWH or Boiler.

check the electricals, figure its” a hundred bucks per new outlet or switch needed.

[patb]

i use equity trust http://www.trustetc.com now they do the whole red carpet to bring you in, then it’s more the rice and beans on service, but, they seem honest and competent.

i did a full due diligence on them

[patb]

no IRA transactions with yourself as receipient.

now you could sell it to your brother, wait 90 days or so, then the IRA buys it
and flips it.

[patb]

i’ve made above the limit, i’ve made below.

suck it up.

[patb]

well not a lot of whinging either.

[patb]

Bac could go to zero

[patb]

Are you campaigning for him.

Did you give him $10.

I’m a democrat, But i think my GF and I will give him $20.

Fuck it, Obama is in the pocket of the bankers.

[patb]

Zillow is best for trend not absolute value

[patb]

Well, you have a possible redress in Small Claims court.

There are actions there, and, a sypathetic judge
may give you $2K or whatever the limit.

it’s enough of a sting, that the realtor won’t forget that.

BTW, all houses need work.

It’s one of the hassles of being an owner vs a renter.

[patb]

Listing agents only want the deal to close.

Buyers agents only want the deal to close.

The only person with your interests at heart at the table, is an attorney you hired.

Lets be realistic.

1) The LA Lied ( you can prove it for a couple of grand)

2) The damages were mitigated. (French Drains, new carpet)

3) What’s your harm? Your feelings are hurt? You would have bid lower?

So you think you might have bid 10K lower? You have the house now, You retain an attorney and that will cost you 5K minimum, maybe more if they go to court.

Fuck it, suck it up.

Every used house has issues, every new house has issues.

Be glad the neighbors aren’t making meth.

[Author]

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