[poorgradstudent]

[quote=gzz]
In fact it is a pain to get PMI taken off of a loan, and it is easier to refi to a new loan when you hit 20% equity.
[/quote]

This is so true. I actually thought our loan originator would be more willing to work with us when we hit 20% equity, but their response was they don’t even consider it until the loan has existed for 2 years. So we refinanced at a 0.25% lower rate instead. More work on our end to gather and sign the documents again, but getting rid of PMI is saving us thousands of dollars a year.

[poorgradstudent]

I’m darkly curious what neighborhood you’re in and if you’re dealing with our old crazy property manager or not.

In general owners have incentive to repair their properties and keep them in good shape for future renters and eventual sale. Property managers have incentive not to perform maintenance and repairs, especially if the owners give them a certain sum to work with each month.

I’m sure there are good property managers out there, but the ones I’ve dealt with were nightmares.

[poorgradstudent]

It sounds like the sex scandal is taking down someone who is a little sleazy in other ways.

Who spends $1,800 on a burner cell phone? Hasn’t he watched The Wire?

[poorgradstudent]

Well, in theory there won’t be any school aged kids around needing schools? Not too many whippersnappers on skateboards?

[poorgradstudent]

[quote=La Jolla Renter][quote=joec]
What I and some others have mentioned on news outlets I’ve seen is why does Hillary have this insane need to grab so much money? She doesn’t really need it as much now and it makes her look like she is continuous bought.[/quote]

For the life of me, I can’t figure out why this does not bother the left even the slightest. She is 100% bought. Corporate America is not paying the Clinton’s a couple hundred million dollars because they give good speeches. It is hard to claim your a servant to the people from your $50k a week Hampton vacation rental. etc. etc. etc.

But back to the question at hand… and to stay on par with this vaudeville election.

Michelle Obama.[/quote]

It actually does bother the Far Left. The people it bothers most are Bernie supporters.

[poorgradstudent]

[quote=FlyerInHi]The most mentioned thing about Hillary is that she’s not likable?
Why is that so important?[/quote]

I listen to NPR a lot, so I hear a lot of speeches from the candidates. Barrack Obama just has a way of speaking that is very soothing. It’s like, even when I disagree with his policy, when I hear him speak, I feel better about him.

Hillary, the less I hear her talk, the more I like her.

I do feel like Trump, Ruibo and Cruz all are hard to listen to as well. Kasich is very easy to listen to. I disagree with a lot of his policies, but he sounds very “Presidential”. Maybe a little stuffy, not super warm, but his voice isn’t grating at all.

It shouldn’t matter, but it does, especially with low information, swing voters.

[poorgradstudent]

[quote=no_such_reality]Trump hasn’t even gotten 40% of the popular vote. Go add the numbers. He’s “winning” but usually with. Umbels in the high thirties.

More don’t want him than want him.[/quote]

Of course the challenges for the Republican Party is the guy who has been running in second is Ted Cruz. Marco Rubio was sort of the last great hope of the establishment.

If Ted Cruz dropped out (which isn’t going to happen anytime soon), odds are Trump would start breaking 50% of the popular vote, so the Establishment is in a real bind.

[poorgradstudent]

Yeah, I imagine you missed something in the details. Rates are pretty darn low, but you’re unlikely to find a 30 year at that level.

[poorgradstudent]

Ideally she’d want a non-white male from a swing state. The Republicans are unlikely to try to hit Hillary on inexperience (especially if they run Trump) so she’s probably going to either want someone who seems young and fresh and non-white, or maybe go with a Safe White Male.

Unfortunately, the Democratic bench is actually rather thin these days. Not a lot of Blue governors outside of places like California (and she’s not going to pick Moonbeam, even if he wanted the job).

Julian Castro and Tim Kaine seem like reasonable picks.

[poorgradstudent]

[quote=harvey][quote=livinincali]Privilege is not individual racism. It is systemic racism. That anyone in this country believes that it doesn’t exist is the problem. The solution is not for negroes to be quiet about it, as you may wish. The solution is to eliminate it
[/quote]

There is no such thing as systemic racism.

A group distinguished simply by its physical characteristics cannot be collectively guilty of racism or any other ethical transgression.

All acts of racism are committed by individuals – by people, not groups.

Anyone that argues that “white privilege” exists is a blatant racist.[/quote]

So Jim Crow laws weren’t systemic racism?

[poorgradstudent]

[quote=svelte]
But on the Republican side I still can’t imagine a scenario my brain is comfortable with.
– Trump? It just boggles my mind that he would be the candidate.
– Cruz or Rubio? Can’t see how they would get more delegates than Trump at this point
– Cruz/Rubio ticket? Only combo that could beat Trump, methinks, but I’m not sure I see them teaming either
– Romney? Come on. Far fetched. And I think there would be pandemonium in the party as Trump supporters turned all the tables in the room over.

Whatever happens on the Republican side it is going to be surreal.[/quote]

At this point only Trump has a legitimately clear shot at getting enough delegates to walk into the convention as the nominee. Cruz mathematically could still swing it, but he’d need to start building momentum in states that aren’t necessarily heavy in his core supporters.

So really, there are two likely outcomes: Trump is the nominee before the convention, or there is a contested convention where all Hell could break loose.

[poorgradstudent]

I have a feeling the March 15th primaries will end Bernie’s campaign. Although the polls were badly wrong in Michigan, March 15th has a bunch of big states Hillary should carry by decent margins. Even if there’s one surprise (Ohio?) she’s likely to build a pledged delegate lead big enough the narrative will more or less call her the winner.

Still, after that it’s a sparse calendar with a month of mostly Western states that Bernie should do OK in. I could see him hanging on until New York in mid-April where Hillary will look to throw the Knock-out punch.

[poorgradstudent]

We have.

Part of it is the fact we have reasonably competitive races on both sides of the Aisle. In 2012 I don’t think Obama debated anyone (there was one minor candidate debate) and the Republicans were done debating by February 2012. It’s pretty unusual to have this many legitimate contenders still around at this point in the game. Clinton has a lead, but not so much she can say “no more debates” to Sanders.

There were quite a few debates in 2008.

Also, with the Trump Circus and the fact there were something like 17 Republican Candidates originally, I think people in general are just more aware of the debates. They’ve been a ratings bonanza and in turn every news organization wants to get in on them.

[poorgradstudent]

[quote=livinincali]It probably really doesn’t matter who is elected the next president. It’s highly likely the next president will inherit an economy in recession or be president when the economy eventually enters recession again.[/quote]

I’m gonna poke fun at you and say this is sort of like saying “It’s either going to rain tomorrow, or rain at some point in the future.

I’m reminded a bit of Nouriel Roubini being a permabear, screaming for years that a crash is coming, then pretending he was right all along when it finally happens.

Yes, there probably will be a recession in the next 4-5 years. Presidents actually have very little control of the economy as a whole.

[poorgradstudent]

[quote=FlyerInHi]Rubio might do well to get out before a humiliating defeat in FL
He’s still young, his future is bright with the party establishment.

BG, I doubt trump and Cruz cooked up a deal very far in advance. Back then, trump was being written off by everyone. Maybe the relationship evolved as trump’s support strengthened.[/quote]

Eh, I’m not sure how humiliating that would be. Plenty of candidates lose the nomination one cycle and come back later to win it.

[Author]

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