[temeculaguy]

“Do more, expect less” let’s just say I’m not going to guess you are in marketing or advertising. Sadly, your point is valid.

[temeculaguy]

As are you and thank you for the kind words. I have come back more lately because the kids are looking to buy and I do see some similarities today to 2005. It’s the “freshly minted teacher” test. Not sure who wrote it but I’ve always remembered it. When two freshly minted teachers get married and try to buy a starter home, if they cannot, then the market is due for a correction.

For those of you who are new, Econprof is an OG of the highest order. I was heavily influenced by the posters back then, Econ was one of those influences.

[temeculaguy]

I hate my Bosch dishwasher. I hate my Samsung fridge. Love my Kenmore micro and W/D. I realize Kenmore is just other brands rebranded but all the appliances that have given more than 10 years of reliable service came from Sears and I’ve been able to repair them myself using youtube. Now that Sears is fading into oblivion, not sure what to do when replacements are needed. I also love all my craftsman tools, I’m going to miss Sears, they should have stuck with just tools, sheds, patio furniture and appliances. I guess in 30 years, people will lament Amazon going out of business. My Kenmore HE3t W/D is 16 years old and works like a champ. i got it used 11 years ago, rebuilt it twice for under $100 and it only took n hour or so to replace the parts. I’ve had the Bosch dishwasher for 2 years and it wasn’t cheap and it has always sucked, but it is quiet and pretty.

Flu’s car analogy is spot on, get the Honda accord of dishwashers.

[temeculaguy]

[quote=ucodegen][quote=FlyerInHi]Wow, a Democrat won the governor’s race in Kentucky against the Republican incumbent. Add that to the Democrats eviscerating Republicans in Virginia. Virginia is becoming another California. all that good jobs are in states held by Democrats. That is pretty good indication of the effectiveness of economic policies. Money talks.[/quote]
Riiiiggghhhtt… Try some history. It takes several years for the policies of a Governor or Legislative body to have an effect. The San Diego pension crisis has been building for years. How about Detroit, Philadelphia, Chicago? What tends to happen is that there is an economic build-up AND THEN everybody feels so flush with cash thinking that any half brained spending idea is a good idea.. so the voters go for it, after all the state’s coffers are full – AND THEN….

Here are some interesting refs

How Decades Of Democratic Rule Ruined Some Of Our Finest Cities

Detroit
https://en.wikipedia.org/wiki/List_of_mayors_of_Detroit#Non-Partisan_Elections
Look at the period from 1962 to current.

Flint, Michigan
https://en.wikipedia.org/wiki/List_of_mayors_of_Flint,_Michigan#1974_Charter
Look at the period from 1975 to current.

Chicago
https://en.wikipedia.org/wiki/Mayor_of_Chicago#List_of_mayors
Look at 1931 to current.

Remember, California had Republican governors as well as Democrat governors.

[temeculaguy]

Econ, so good to see you! As it was in yesteryear, your predictions are usually more accurate than you like to let on, thus the qualifiers. I’ve got two offspring with jobs and degrees and have been giving them contrarian advice to hold off on their first purchase until the next dip. Your insight has me more confident in that advice. Deja vue all over again, I remember your posts just before the last downturn. anecdotally, two of my step children have already voted with their feet, to Texas and Oklahoma. If this keeps up and I’m going to have to buy a motorhome to visit everyone, which hurts because I hate depreciating assets with high upkeep.

[temeculaguy]

[quote=jmpman]1) This site kept me from buying in San Diego at the peak of the market.
2) Some guru advised that 2011/2012 would be the bottom of the market (back in 2008). 3) Another brilliant individual suggested that the best way to buy a foreclosure was to find the house you want, then approach the listing agent (when you don’t have a real estate agent) and ask them to represent you. They aren’t allowed, and will decline. You follow up with the question – Do you know someone who can represent me? Of course they do, and it’s likely their best friend.

I made at least $300k from the advice on here, and kept from losing an equal amount. Overall a major win. Thanks![/quote]

I think I might be partly responsible for #3, “brilliant individual” probably describes someone else.

I searched for that exact strategy, as it is how I came to own Che TG but all I found was this which is close but not what I remember

https://www.piggington.com/tg_closes_escrow#comment-101211

[temeculaguy]

I feel terrible. I’ll be feeling terrible in Italy, France and Spain on my next vacation. Thanks Liz!

[temeculaguy]

Flu that is awesome! You keep living your best life and ignore the haters.

I’ve got all the grand kids college funds tied mostly to the S&P which makes me nervous because they are time certain withdrawals. I worry the winning streak cannot continue. I find it ironic that the enemy to their college fund is a socialist who promises free college. I try to convince myself that it is a win/win or at least a can’t lose scenario. Then I’m reminded of the adage “you think it’s expensive now, wait till it’s free.”

[temeculaguy]

So I didn’t make fun of my vegan friend at golf, nor did he draw first blood. The course had no pre-made breakfast burritos or turkey sandwiches so I had trail mix for breakfast and the same at the turn. Neither of us made comments or cited studies, just had a fun day on the course, plus it was a fundraiser for a good cause. Faith in humanity was restored, or maybe it was that he was driving the shit out of the ball and my putting was on point, perfect best ball scramble scenario. Maybe humans just ignore differences when winning, either way, fun day. At the end they had one of those taco carts, he had bean tacos, I had Carne Asada. We both had beer and ubers. Maybe that is the secret, beer and Ubers. Perhaps that should be the new foreign policy for the Middle East. Seems reasonable to me.

[temeculaguy]

took me 60 seconds to find multiple crazy assertions, in fact I struggled to find a sane assertion.

1) life expectancy declining while basic needs, such as clean air, clean water, healthy food, and adequate health care, housing, transportation, and education, are inaccessible to a significant portion of the United States population;

What is a significant portion of the population? Half? The only place is I know of without access to clean water is flint, Michigan. A Democrat stronghold of 100k people in a county of 350 million.

Declining life expectancy has nothing to do with climate change.

https://www.cnbc.com/2019/07/09/us-life-expectancy-has-been-declining-heres-why.html

It’s attributed to suicide, drug overdose and liver disease. It’s also a slight decline after 80 years of increases and a decline also seen in the UK and tapering rises in western Europe.

I’m too tired to point out the other fallacies not based in reality, which is why a reasonable person would call that crazy. And I was shocked to see of the few who signed on included Levin from the North County.

Last point of lies just from that one paragraph, women make 80% of what men make. That stat ignores voluntary leave to raise children. My ex wife and I make the exact same amount now as we did 25 years ago (luckily for me I never had to pay alimony because of it). But we decided she would take a few years off when the kids were little. Our career totals are different but our hourly wage is identical today as it was before kids. One could say she’s done okay, advancing despite a multi year absence early on. But her lifetime earnings are less, oh the injustice! BS, we made a choice and i worked 60 hours a week in lieu of each of us working 40 because when you did the cost benefit analysis, it made sense and we shared the money so nobody won or lost. Her w-2 may have been less or zero during those years but we had the exact same amount of money. But AOC is slim and energetic, so she must be right.

[temeculaguy]

Pros- Great little city close to everything, never met a resident who disliked it. Have known people who grew up there and those who live there now, all fans of it.

Cons-close proximity to high crime areas.

Latest Sandag stats are here

https://www.sandag.org/uploads/publicationid/publicationid_4620_26491.pdf

Shows it is trending in the right direction on page 7, 8 and 9. It is also one of the best options for the parameters you seek. South of the 8 is significantly worse than North of the 8, but La Mesa is a bright spot. Poway might be almost as close with much lower crime and better schools but La Mesa is no slouch, and they seem to be one of the most improved since 2015. I’d rate it as a “buy.” I say this despite my friend in La Mesa was recently burglarized but that is anectdotal, sandag figures are not.

[temeculaguy]

Way to go ZK! I Love that story. My experience is a combination of yours and FLU’s. I value the friends I’ve made, many of whom I still see in person and I truly believe my financial position was improved greatly by Rich and many others who contributed.

From 2006 to 2009 (the glory days) this was my most important support group, I consider what I learned here more important that what I learned in college. And oddly enough, I learned from a group of people far more intelligent and diverse than any faculty.

Piggington was my Matrix red pill, it gave me access to the knowledge to see through the propaganda and ensure an easier life for me and my family.

Without getting into the nuts and bolts, the real estate and financial planning education that I got for free on this site set in motion the ability for me to send two kids through college who have no debt and will allow me to retire at 55 with a mortgage that is but 1/10th of my retirement income. While I envy ZK’s numbers, I’m content with mine. In a nutshell, Piggington gave me financial freedom and freedom from worry. Plus an extra 10 years on the planet to screw around and not have a job.

My retirement income is in fairly pedestrian locations that are restricted so I’m not in ZK’s world right now, but any windfalls or inheritances I will seek out Rich to manage it because I trust him and I trust nobody else with my money.

[temeculaguy]

Just like mockery of gun owning, trump supporting, non college educated people from the midwest is bad, because I see you do enjoy that. Look, vegans/vegetarians annoy most people not because of their personal choices but because of the behavior and that makes them a target of ridicule.

Compare it to other people. Let’s compare them to the LGBT community. I think it comes down to public vs private behavior and overall goals. The wife and I have a gay couple who are very close friends, they regularly stay at our home when visiting and we vacation together, we attended each other’s weddings and respect each others relationships. We also have a vegetarian couple of similar closeness. The difference is the gay couple do their thing in private, they only ask for acceptance. Their happiness does not require we act like them, just that we accept them. The vegetarian couple need us and others to eat like them otherwise their sacrifice is for not. Plus dining is social, sex is private, so I get it that the vegetarians are more likely to lecture and try to recruit. I’m golfing with the vegetarian friend Saturday, and rest assured I’ll be teasing him. I especially focus on the years he ate seafood because it wasn’t cuddly, species bias is an easy target, but mostly because all his beliefs and habits are forced on him by his wife, another easy target. But he will draw first blood, mentioning something about my breakfast burrito from the clubhouse and my arteries or the treatment of the pig that ended up as bacon. Somehow the gay guys do not lecture me about their dislike of the female genitalia and my fondness for it. Some vegans lack mutual acceptance, hence the mockery.

AOC was a poor choice of examples, she deserves all the mockery she gets and then some. She spends all her days criticizing others especially those who disagree with her, so she is more than just fair game, she is mandatory mockery. I don’t spend my time telling everyone they can’t have a man-bun, but once someone says anyone who doesn’t have a man-bun is bad, that’s when I will use my superpowers for evil.

[temeculaguy]

[quote=FlyerInHi]No, individual responsibility is not like religion. We owe it to ourselves and society to be responsible.[/quote]

No we don’t because “responsible” is subjective. Your choices and values are not mine, some align and some contradict. My definition of responsibility might contain things you oppose and vice versa. I may value service to society as time spent in a uniform, any uniform and you may value time spent in a hybrid vehicle. There is no right answer except the answer where you decide that the only right answer is what you deem acceptable, that is the wrong answer every time.

Case and point, I like women with curves. 1st wife, 2nd wife and those in between were not athletic and slim women for the most part. They didn’t need seat belt extenders but they had a little extra here and there. I know that’s not every guy’s thing, but it doesn’t make it right or wrong. You might cast judgements on me for my preference and I might thank you for not sharing my appreciation for what you consider imperfections and creating competition.

Lao Tzu would oppose breast reductions if he were alive today, I’m just trying to keep his spirit alive.

I’ve said it before Brian, you are not a bad guy but you seem to think you are right and you are what everyone wants to be if only they could be like you. It would liberate you to realize you are different from most others and many people want nothing more than to be nothing like you. I know it helped me on the road to self actualization. I know I don’t fit into a political party, I know I don’t fit into a a racial identity and I know that I hold values that others do not, nor do I believe I will convince anyone else to think like me. Try it, it is truly blissful at times.

[temeculaguy]

[quote=Hobie][quote=temeculaguy]vegan chicks are on another level of crazy.[/quote]
Ha, you brought back wonderful memories during my dating days! 100% vegan are more nuts than horse women imho.[/quote]

Love an old timer who can quote the classics, makes we want to read my old musings.

Brian, good for you, the fact that you have to tell me and everyone else about your consumption habits is where I have a problem. The best vegans are those who never discuss it, just like religious people to you. You are cool with their beliefs as long as they keep them to themselves. Be consistent.

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