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spdrun
ParticipantUnless things have changed recently, I’m pretty sure no insurance is required to get a drivers license. Drivers don’t have to be insured, cars do.
But a valid driver’s license is required to insure a car 🙂
ParticipantAlso, I’d imagine that terrorists wouldn’t want their dastardly deeds to be blamed on nature, accident, or hobos cooking dinner. Highly sceptical that it is terrorism — far too subtle for al Qaeda.
ParticipantWhy? What does having a license do?
Allows a driver to legally register, smog, and insure their car against any mayhem that may be caused by it, for one thing.
The “it’s only a phone call” argument doesn’t hold water. Ordering an action is morally the same as being a participant. I mean, if you called up your uncle Vinny and told him to break my kneecaps, would “it’s only a phone call” defend you against charges of assault and battery?
ParticipantDriver’s license is a license to drive, not a license to live in the US. Better to control driving than to have a large % of people driving around without a license. Also, local police deporting illegals on sight doesn’t necessarily serve law enforcement purposes. If illegals know that they’ll be auto deported, they will avoid the police, thus hindering investigation into more severe, more violent crimes.
ParticipantBut seriously, obese people have joint pains. They can’t walk too far.
San Diego people haven’t struck me as obese on average. I think there are too many ex-military and generally outdoorsy types in the city for that.
ParticipantI can understand rage over parking spots on a crowded city street, but unless a parking lot is 100% full, why do people fight over parking lot spaces? It’s not as if walking another 200 feet is the end of the world.
ParticipantI’ll stick with a normal car, thanks — if someone is really bent on harm, a 4800 lb crossdresser utility vehicle won’t protect me against bullets any more than any other vehicle. Not going to take a 40% hit on gas mileage just because of the 0.00001% chance of something like this happening.
ParticipantAt this rate, it will take years. 34/36 payments on time is still a very high “burden of proof” for not risking being forced to buy back a bad loan.
Same as testing loan mod programs in the ‘troit. Test. Study. Test a bit more somewhere else. Study. Roll out fully in a year or three.
ParticipantFamily friend just got evac’ed from Rancho Bernardo. Yep, stay safe, everyone and hoping for some serious rain in CA this year.
ParticipantLandlord Insurance $125
HOA’s $400
Property tax $125
(Mortgage) $600
Vacancy rate $125
Repairs $75
Miscellaneous $25
Total $1,475You’re high as far as rent. I’d guess $1300 maybe. As far the rest, I’d say:
* HOA shouldn’t be above $250
* Property tax will be $150 (1.2% of 150k) / 12 mos
* Repairs won’t be $75/mo if you fix it right in the first place
* Insurance will be about $20 per month. HOA covers the buildings themselves. Landlord’s insurance is basically liability. Choose a number slightly greater than your net worth.After adding vacancy and unexpected costs, you’ll likely end up with 6-7% assuming no mortgage. (Cash on cash, which provides a good way of comparison.)
ParticipantShe was thought to be more liberal/dovish than B.S. Bernanke. So far, this has not been the case. Therefore, more conservative than assumed.
ParticipantWhy pick on Yellen? The old cow actually seems to be more conservative than people assumed. Tapering despite zero GDP growth last quarter. Blurting out a six month timetable for tightening also speaks something to her personal views.
ParticipantCite for the 40% figure? If true, glad things move slower in NJ and there are still zombie “opportunities” around.
ParticipantHave you only done research on homes actually held by banks, or homes with overleveraged zombies still living in them? (i.e. future short sales)
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