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scaredyclassicParticipant
[quote=sdrealtor]Im about to grill dry aged sirloin burgers and have a lovely cab in the decanter. I’m Dogsitting my daughters puppy and teaching her to catch a frisbee. Such joy in these simple pleasures. Guess i won’t invite you.[/quote]
Dogs depress me. Bred to cater to our mental illness. Burgers…ack. I haven’t had alcohol since Feb 2020. Pretty sure meat fish eggs dairy and booze are in my rearview mirror.
Anyone up for some organic dog meat? Elwood’s sells the best in the USA. I think they’re the only provider currently legal…..foodies love their free range pups. You can buy specific breed meat too. All humanely raised and slaughtered ..
August 11, 2022 at 7:07 PM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826544scaredyclassicParticipant[quote=sdrealtor]I prefer the stories about the cases you were wrong about and lost[/quote]
Lawyers have to do continuing education and I’ve always wanted to put together a class called “my 20 greatest fuckups in my legal career”
scaredyclassicParticipantI don’t particularly like animals. I despise dogs. But in the last few years, I have been overwhelmed with compassion for how we treat animals for food. The idea of eating an animal in our society makes me feel like vomiting now. It’s fucking disgusting what we do to other living creatures. I wouldn’t drink a glass of milk if you paid me $50 nowadays. I can’t even be around people eating burgers, though I’ve scarfed hundreds in my time.
Once you see you cannot unsee. It was the Buddhists in Escondido who changed me. If you eat mindfully, with full attention, contemplating all that went into the food, a bowl of oatmeal is a transcendent experience.
https://www.oprah.com/spirit/a-conversation-with-thich-nhat-hanh-about-savor/all
August 11, 2022 at 1:35 PM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826540scaredyclassicParticipant[quote=gzz]Nothing a lawyer of a certain age likes more than telling “war stories.”
Here’s one from me. I was the lead lawyer in a case and won at the Ninth Circuit. The other side sought en banc review and was immediately rejected. Then sought Supreme Court review, which was granted.
While I wanted to again argue the case, the issue being reviewed was a narrow and technical one, and an attorney who had won a similar case before the Supreme Court offered to do it very cheaply. So I owed it to my clients to step aside.
We then lost 0-9, with Sotomayor writing a unanimous decision.
I could have done it, it couldn’t get any worse than that.
In the end, it didn’t matter. Only a narrow slice of the Ninth Circuit’s decision was reversed. With the rest of it intact, we won before the trial court.
Today I learned by best prospect for another Supreme Court trip was cancelled. The 1986 decision Kelly v Robinson has been aggressively criticized by circuit courts, who suggested it may be bad law. The 9th Circuit called it a “relic of the 80s” like “big hair and NutraSweet”
In 2020, the SC appeared to be interested in revisiting it, but declined because one of the lawyers was a pro se bankrupt attorney coming off a suspended license. In my case, the other side was a competent big SD firm.
What dashed my dream was the other side decided not to defend Kelly at all. I think I would have won in the end, but they had plenty of good cases and arguments they could have cited.[/quote]
Procedural stories are good. I also like the underlying human stories.
scaredyclassicParticipantProbably the best subject to develop expertise in is the self.
scaredyclassicParticipant[quote=gzz]Next time you are in San Diego, check out the Costco Business Center on Convoy. It is a familiar but different experience. Parking is much easier, and their walk in freezer section is huge and you can pretend you are in a Michigan winter for 5 minutes while you check out their frozen meats.
And if you are into retail history, the Costco on Morena Blvd that Mitt Romney used to shop at is the oldest one in the USA. It wasn’t the first Costco however, it was a Price Club that is older than any other existing Costco.[/quote]
I’m a vegan. I’d freak out in a meat locker.
August 10, 2022 at 7:19 AM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826528scaredyclassicParticipant[quote=gzz]Thank you flyer teaboy and scaredy for the kind words.
Teaboy’s comments show the fallacy of the “why not just pay 1% more if you really care.” The extra 1% can be repeated endlessly, something like Zeno’s paradoxes.
Yes, I would have walked over the 25k difference. Prices are falling in east county at least, and the type of big suburban homes I was targeting start losing some of their potential buyers as the school year approaches. If this were the only McMansion in San Diego under 2m, yes I would have paid the extra 25k. But that’s not the situation.
I might have come back to the same home, or found another, or just waited a couple months and reentered the market. The home was the best home for me on the market now and I really like it. But there was 1 home that sold in early June I wish I had grabbed that was better than the one I am buying, and maybe 2-3 more over the past 6 months that were about equal.
I negotiate litigation settlements all the time, so while I may not be an expert, nor am I noob. Suburban homes are a lot easier to value than most legal cases. For example, property sales are public record, but most settlements are confidential, so the pool of “recent comparable sales” in litigation may be small or oftentimes zero.
So far I am liking the jumbo loan process. While pretty close to conforming mortgage process, there seems to be less of a focus on checking Fannie Mae guideline boxes and more on just documenting the major income and assets. I also like that it will be serviced by the same big bank originating bank. I have had Wells and Chase service mortgages, and they are a lot more user friendly than tiny companies that right now have my three current mortgages. My processor also noted that if I choose to make a 15k+ extra payment, I can have my loan “recast” such that instead of an earlier payoff date, the minimum payment is recalculated lower. There have been times when that would have been great.[/quote]
Litigation settlements are about stories too.
August 8, 2022 at 5:44 PM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826520scaredyclassicParticipantThere’s a really awful song from the 60s that sticks in my head, I heard it as a child. I think my parents may have taken me to a pete seeger concert…
somng’s called Little boxes…about real estate, conformity and general crappiness of society. it’s just an awful song, such an arrogant, elitist monstrosity of a song. Should have a parental advisory warning sticker on it.
The song would probably go with the theory that houses are thingamabobs. I think this song may have messed me up and caused me to rebel for no good reason. I despise this song.
the song is of course incredibly dated now; HOAs would prohibit different colored houses, and your kids can’t afford to live in the same ticky tacky box. ahh, the good old days back when it was ok to deride normal suburban existence.
Little boxes on the hillside
Little boxes made of ticky tacky
Little boxes on the hillside
Little boxes all the same
There’s a pink one and a green one
And a blue one and a yellow one
And they’re all made out of ticky tacky
And they all look just the same
And the people in the houses
All went to the university
Where they were put in boxes
And they came out all the same
And there’s doctors and lawyers
And business executives
And they’re all made out of ticky tacky
And they all look just the same
And they all play on the golf course
And drink their martinis dry
And they all have pretty children
And the children go to school
And the children go to summer camp
And then to the university
Where they are put in boxes
And they come out all the same
And the boys go into business
And marry and raise a family
In boxes made of ticky tacky
And they all look just the same
There’s a pink one and a green one
And a blue one and a yellow one
And they’re all made out of ticky tacky
And they all look just the sameAugust 8, 2022 at 12:09 PM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826516scaredyclassicParticipantIn the film THE USUAL SUSPECTS, when some bad guys threaten to kill another bad guys family in front of him, he responds by shooting his own family himself.
Now that’s negotiation.
There is great value in a strong position, even if not entirely rational.
August 8, 2022 at 7:50 AM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826508scaredyclassicParticipant[quote=gzz]They accepted my initial offer after I remade it. Their counteroffer was 25k higher, I said no, they took the initial.
I think the sale is a win all around. Sellers up about 500k, sliding right under the capgains exemption for a married couple. I am getting a place that’s about 10% below March 2022 peak price and perhaps 3% below market price, giving me a little safety cushion. I really don’t expect or care if I make money on this one, it is huge so will have high monthly expenses, and I don’t think RSD is especially well positioned for appreciation. (Santee and Mira Mesa are suburban areas that will outperform RSD in my opinion.)
I will probably end up with a 4.375% 7/30 Jumbo ARM.
Looking at my increased costs, my house in OB I believe will rent for about 4400. Net cost of the new place will be about 7000. 2600 a month isn’t peanuts, but if the new place appreciates 1.5% a year, then the appreciation makes this a break even, and anything more than 1.5% is profit.
As for the risk on the ARM, the interest savings will be about 30k before the rate resets. I am ok with the additional risk that in 7 years I will still have the mortgage and it will reset higher. Part of me being OK with this risk is that all my other debt is fixed at lower rates.[/quote]
well done. I enjoy the way you (and me, and all of us) tell ourselves little stories about money, the pockets of it, where it goes and why it’s ok. Many many years ago when I worked as junior assistant bond counsel, I was in a meeting where the guy who put the bonds on the market (I forget what his role was called) was explaining to some governmental entity humans (the people who get the money, whatever they’re called) about how and why he did a spectacular job managing the money and getting the very best interest rate of that particular day. I still remember how beautifully he told the story. At the end I was like, man, this guy’s a financial genius! Now, I think, naah, not a financial genius, but I still think he was a type of genius; a storytelling genius.Money is a story. I liked your story. While you may (or may not) be a genius, you did good. Also, you sound heroic to me for fighting for the 1%. Enjoy, to the extent possible, in this anxiety-ridden capitalist madhouse. Perhaps more important that enjoyment for some is the creation of a story that makes sense.
August 8, 2022 at 7:37 AM in reply to: East County SD v St George for gzz’s budget McMansion lifestyle #826507scaredyclassicParticipant[quote=svelte]1% aint squat when you’re talking about happiness. Suck it up and buy it.[/quote]
I will sacrifice happiness for 1%.
scaredyclassicParticipanthandles are funny things. My wife says I’m scaredy about some things, but absurdly brave about others. professors might have very narrow expertise (the history of economics in 17th century jewish stetls in the ukraine, for instance, but not in others). We are all much bigger than our handles.
scaredyclassicParticipant[quote=XBoxBoy][quote=EconProf] San Diego County’s population drops a third of a percent (0.33916 percent to be exact) and EconProf calls it a sea change,[/quote]
Full fathom five thy father lies;
Of his bones are coral made;
Those are pearls that were his eyes:
Nothing of him that doth fade,
But doth suffer a sea-change
Into something rich and strange.
Sea-nymphs hourly ring his knell:
Ding-dong.
Hark! now I hear them,—ding-dong, bellscaredyclassicParticipantfor a fun crime novel read on the underbelly of florida scamminess, carl hiassen’s skinny dip is pretty good.
florida sucks in so many ways.
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