[temeculaguy]

If you were to study the life expectancy of police and fire 30 year employees it might help ease your pain and envy. The cold reality is that very few make it 30 years to get the brass ring and of those who do make it very few pull those checks for very long.

The “safety” employees have sweeter pensions, no argument there, but the average survivability is something like 7 years. Missed holidays, divorces, odd hours, life and death decisions that don’t always go the right way, guilt, pain and being demonized for either bad decisions or undue rewards, take their toll on the body and mind. There is only a certain amount of death, destruction and pain that a human can encounter before it takes it manifests itself physically.

In this woman’s case, do you think that pioneering an dangerous industry as a woman was an easy task, do you think she is without physical and emotional scar tissue.

I know everyone thinks what they do is hard and it probably is, but if it was a bet in a casino and you could choose a number of people with a variety of vocations, which do you think would live the longest in retirement? I would keep my money away from betting on the guns and hoses.

The average non police life expectency for males in the us is in the high 70’s, police life expectancy is between 53 and 66 depending on the study (various studies for different departments, some including less traditonal “cops” like park rangers, federal agents, marshals, etc. but the best scenario is 66), I imagine fire is similar. For the boys and girls who strap it on and head into the actual fires or fights, they will live only into their fifties, so do you really envy them now?

I don’t always care about a lot of people, but the cops, fireman and soldiers can have my tax money.

[temeculaguy]

If you were to study the life expectancy of police and fire 30 year employees it might help ease your pain and envy. The cold reality is that very few make it 30 years to get the brass ring and of those who do make it very few pull those checks for very long.

The “safety” employees have sweeter pensions, no argument there, but the average survivability is something like 7 years. Missed holidays, divorces, odd hours, life and death decisions that don’t always go the right way, guilt, pain and being demonized for either bad decisions or undue rewards, take their toll on the body and mind. There is only a certain amount of death, destruction and pain that a human can encounter before it takes it manifests itself physically.

In this woman’s case, do you think that pioneering an dangerous industry as a woman was an easy task, do you think she is without physical and emotional scar tissue.

I know everyone thinks what they do is hard and it probably is, but if it was a bet in a casino and you could choose a number of people with a variety of vocations, which do you think would live the longest in retirement? I would keep my money away from betting on the guns and hoses.

The average non police life expectency for males in the us is in the high 70’s, police life expectancy is between 53 and 66 depending on the study (various studies for different departments, some including less traditonal “cops” like park rangers, federal agents, marshals, etc. but the best scenario is 66), I imagine fire is similar. For the boys and girls who strap it on and head into the actual fires or fights, they will live only into their fifties, so do you really envy them now?

I don’t always care about a lot of people, but the cops, fireman and soldiers can have my tax money.

[temeculaguy]

If you were to study the life expectancy of police and fire 30 year employees it might help ease your pain and envy. The cold reality is that very few make it 30 years to get the brass ring and of those who do make it very few pull those checks for very long.

The “safety” employees have sweeter pensions, no argument there, but the average survivability is something like 7 years. Missed holidays, divorces, odd hours, life and death decisions that don’t always go the right way, guilt, pain and being demonized for either bad decisions or undue rewards, take their toll on the body and mind. There is only a certain amount of death, destruction and pain that a human can encounter before it takes it manifests itself physically.

In this woman’s case, do you think that pioneering an dangerous industry as a woman was an easy task, do you think she is without physical and emotional scar tissue.

I know everyone thinks what they do is hard and it probably is, but if it was a bet in a casino and you could choose a number of people with a variety of vocations, which do you think would live the longest in retirement? I would keep my money away from betting on the guns and hoses.

The average non police life expectency for males in the us is in the high 70’s, police life expectancy is between 53 and 66 depending on the study (various studies for different departments, some including less traditonal “cops” like park rangers, federal agents, marshals, etc. but the best scenario is 66), I imagine fire is similar. For the boys and girls who strap it on and head into the actual fires or fights, they will live only into their fifties, so do you really envy them now?

I don’t always care about a lot of people, but the cops, fireman and soldiers can have my tax money.

[temeculaguy]

If you were to study the life expectancy of police and fire 30 year employees it might help ease your pain and envy. The cold reality is that very few make it 30 years to get the brass ring and of those who do make it very few pull those checks for very long.

The “safety” employees have sweeter pensions, no argument there, but the average survivability is something like 7 years. Missed holidays, divorces, odd hours, life and death decisions that don’t always go the right way, guilt, pain and being demonized for either bad decisions or undue rewards, take their toll on the body and mind. There is only a certain amount of death, destruction and pain that a human can encounter before it takes it manifests itself physically.

In this woman’s case, do you think that pioneering an dangerous industry as a woman was an easy task, do you think she is without physical and emotional scar tissue.

I know everyone thinks what they do is hard and it probably is, but if it was a bet in a casino and you could choose a number of people with a variety of vocations, which do you think would live the longest in retirement? I would keep my money away from betting on the guns and hoses.

The average non police life expectency for males in the us is in the high 70’s, police life expectancy is between 53 and 66 depending on the study (various studies for different departments, some including less traditonal “cops” like park rangers, federal agents, marshals, etc. but the best scenario is 66), I imagine fire is similar. For the boys and girls who strap it on and head into the actual fires or fights, they will live only into their fifties, so do you really envy them now?

I don’t always care about a lot of people, but the cops, fireman and soldiers can have my tax money.

[temeculaguy]

“Other certain speech is probably also a bad idea (e.g. investment advice, tax advice, etc.) in such a forum.”

Wouldn’t you just love to be a juror if someone sued for bad investment advice on a blog from a random person. I would constantly send notes to the judge from the dilberation room in hopes they would be read in court, something like this “the jury has requested 12 large bats with the words “dummy stick” written on them so they may beat the plaintiff senseless.”

Purporting to be an expert and stating one’s credentials, then giving advice known to the author to be untrue, harmful or misleading is one thing. But us yahoos giving our opinions is a risk I’m willing to take and something that our constitution and laws are designed to protect. Many a man and woman have given their lives to protect this freedom, it’s our responsibility to exercise it.

[temeculaguy]

“Other certain speech is probably also a bad idea (e.g. investment advice, tax advice, etc.) in such a forum.”

Wouldn’t you just love to be a juror if someone sued for bad investment advice on a blog from a random person. I would constantly send notes to the judge from the dilberation room in hopes they would be read in court, something like this “the jury has requested 12 large bats with the words “dummy stick” written on them so they may beat the plaintiff senseless.”

Purporting to be an expert and stating one’s credentials, then giving advice known to the author to be untrue, harmful or misleading is one thing. But us yahoos giving our opinions is a risk I’m willing to take and something that our constitution and laws are designed to protect. Many a man and woman have given their lives to protect this freedom, it’s our responsibility to exercise it.

[temeculaguy]

“Other certain speech is probably also a bad idea (e.g. investment advice, tax advice, etc.) in such a forum.”

Wouldn’t you just love to be a juror if someone sued for bad investment advice on a blog from a random person. I would constantly send notes to the judge from the dilberation room in hopes they would be read in court, something like this “the jury has requested 12 large bats with the words “dummy stick” written on them so they may beat the plaintiff senseless.”

Purporting to be an expert and stating one’s credentials, then giving advice known to the author to be untrue, harmful or misleading is one thing. But us yahoos giving our opinions is a risk I’m willing to take and something that our constitution and laws are designed to protect. Many a man and woman have given their lives to protect this freedom, it’s our responsibility to exercise it.

[temeculaguy]

“Other certain speech is probably also a bad idea (e.g. investment advice, tax advice, etc.) in such a forum.”

Wouldn’t you just love to be a juror if someone sued for bad investment advice on a blog from a random person. I would constantly send notes to the judge from the dilberation room in hopes they would be read in court, something like this “the jury has requested 12 large bats with the words “dummy stick” written on them so they may beat the plaintiff senseless.”

Purporting to be an expert and stating one’s credentials, then giving advice known to the author to be untrue, harmful or misleading is one thing. But us yahoos giving our opinions is a risk I’m willing to take and something that our constitution and laws are designed to protect. Many a man and woman have given their lives to protect this freedom, it’s our responsibility to exercise it.

[temeculaguy]

“Other certain speech is probably also a bad idea (e.g. investment advice, tax advice, etc.) in such a forum.”

Wouldn’t you just love to be a juror if someone sued for bad investment advice on a blog from a random person. I would constantly send notes to the judge from the dilberation room in hopes they would be read in court, something like this “the jury has requested 12 large bats with the words “dummy stick” written on them so they may beat the plaintiff senseless.”

Purporting to be an expert and stating one’s credentials, then giving advice known to the author to be untrue, harmful or misleading is one thing. But us yahoos giving our opinions is a risk I’m willing to take and something that our constitution and laws are designed to protect. Many a man and woman have given their lives to protect this freedom, it’s our responsibility to exercise it.

[temeculaguy]

There are so may bargains out there, take advantage of what is a down year. Golfnow dot com is a clearing house of tee times, like ebay or priceline, half off is easy to find, on weekdays it’s abundant. Not every course but usually enough to keep you busy and for very little scratch.

[temeculaguy]

There are so may bargains out there, take advantage of what is a down year. Golfnow dot com is a clearing house of tee times, like ebay or priceline, half off is easy to find, on weekdays it’s abundant. Not every course but usually enough to keep you busy and for very little scratch.

[temeculaguy]

There are so may bargains out there, take advantage of what is a down year. Golfnow dot com is a clearing house of tee times, like ebay or priceline, half off is easy to find, on weekdays it’s abundant. Not every course but usually enough to keep you busy and for very little scratch.

[temeculaguy]

There are so may bargains out there, take advantage of what is a down year. Golfnow dot com is a clearing house of tee times, like ebay or priceline, half off is easy to find, on weekdays it’s abundant. Not every course but usually enough to keep you busy and for very little scratch.

[temeculaguy]

There are so may bargains out there, take advantage of what is a down year. Golfnow dot com is a clearing house of tee times, like ebay or priceline, half off is easy to find, on weekdays it’s abundant. Not every course but usually enough to keep you busy and for very little scratch.

[temeculaguy]

my bad, it’s .567% a month, it works out to about 6% a year, but same difference. And No!! I think I wrote too much and lost you scardey, the 6% a year is the dividend, that ignores future value. If you buy 100k in gold and it goes to 107k in value, nobody actually writes you a check for 7k, you have to sell the asset to see the reward. But YES!! owning gold is much easier. I don’t think gold, stocks or bonds are bad, they are different and you aquire them for different reasons. I actually think a combination of them is the way to go. If you had to decide on just one investment, then a rental probably shouldn’t be your first choice. If you have stocks, bonds and maybe some commodities plus a primary residence, then it’s o.k. to take a little risk, the rental has a unique element, it’s a two pronged bet, the future value and the future rent. As time goes on, the value may go up and the rent may go up, not every year, but over time it usually does. It also has more liklihood to rise in value than decline over the long haul, there are fluxuations, like right now, there are times when it goes up too much, like 2003 to 2006. Let’s say, in my example, the value reaches 200k in ten years (which is still not a return to 2006 levels which was 300k), then you get $567 a month and 100k appreciation over 10 years and that is if rent never rises in those ten years, which it may.

The original point of the thread is that investors haven’t learned their leson from recent losses in R/E and my stance is that they were unwise to invest in rentals between 2003 and 2006 because they were blinded by the appreciation alone, they ignored fundamentals like rent multiplier. Now that the fundamentals are in line in some situations, a different type of investor is surfacing with a different plan, like the plan I outlined. If I can get a rent nuetral rental or a positive cash flow rental then I begin toying with the idea, like I am now, but I will not sell my other investments to do so, I plan on making a part of a healthy breakfast. I also think that if you wait for the perfect storm where you have verifiable proof that R/E is going up in value and rents are rising and economic conditions are improving, then you will not find the same opportunities because everyone else will want to bet on a sure thing too.

[Author]

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