[temeculaguy]

I bought it about 18 years ago, sounded great and wasn’t too expensive to buy in my 30’s, luckily i was able to add Mrs TG a few years ago at thrice the price only because i had an existing policy. A few years back I tried to by my parents a policy and was told to pound sand. I hate to admit it, but it was a factor in why we got legally married from domestic partners so I could add her, well that and the step grandchildren starting to ask questions, grandma’s boyfriend sounds creepy. Sadly the benefits and price are long gone today. I got $150 a day benefit with no cap on length ($35/mo for me, $100/mo for her) but nothing today comes close. I honestly think the gov’t should make it a tax deduction or find other ways to encourage it because it reduces the public’s liability.

For those of you whose plan has an eye toward retirement, it’s essential but unfortunately no longer available. I’ve heard nothing from any politician on either side of the aisle about it, but it’s actually an opportunity for some politician to embrace. If you will have a six figure retirement income, medicare won’t cover your LTC, so it’s up to you. Sure $4,500 a month won’t cover the high end places, but it’s a nice offset. For the spouse of someone who needs it, they might be wiped out paying for LTC and keeping up the primary home. I’m glad Hobie brought this up, it’s a bigger deal than that lack of attention it gets.

But then again, my parents earthquake insurance policy in effect for almost 50 years has no deductable and 100% replacement value, I would love to buy that but it was long gone by the time I bought my first home.

Insurance companies are not in the business of losing money, if you are lucky enough to get a policy that ends up in your favor, keep it in force.

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cutting your square feet in half for 181k to 151k in savings doesn’t seem worth it to me, especially when you factor the transaction costs. Then there’s the property tax recast, since I do not know what you paid for your 800k valued house but if it was less than 650k you’ll be paying more in taxes. You might not see any savings. Kids in college come home for breaks and sometimes after college they come back for a spell. Plus once they start families those rooms come in handy when they visit. If you’ve got one in college and one in high school, it’s premature to downsize IMHO, life still may have many variables in store for you.

If you want to go “all in” sell the big house, live in the condo and see what happens. I’m not optimistic that nominal values will fall, I fear inflation will eat that up in the next downturn.

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Scaredy, glad to see your independent research led you to the conclusion that Perot was not a bad guy.

Brian, seriously your bias goes beyond myopia, Perot was a war monger? Why because he went to the naval academy? arguing with you is pointless, Oh and Ken of John and Ken is gay, both are independents, it’s hardly right wing radio.

FLU, I’m with you, Team Pelosi!! She’s from one of the most liberal districts on the planet and even she’s sick of the 4 radicals. I think you are right, there may be a splinter, the moderate democrats and moderate republicans could form a new moderate party. I’ve been in it most of my life but it never had a name or a convention. That’s really what Ross represented for me, he was the most legitimate 3rd party candidate I had ever seen. But it slipped away.

California already has the splinter going right now, they have three parties in state politics, the republicans, the progressives and the “mods.” Today the Mods are moderate democrats but that could change. It reminds me of the UK, or all the other first world countries for that matter. Maybe Ross’ legacy will come to pass.

https://en.wikipedia.org/wiki/List_of_ruling_political_parties_by_country

Of the 20 or so countries with only 2 parties, other than us, it’s mostly islands and 3rd world countries.

[temeculaguy]

And you left out that he said drug treatment should be free and available to all.

Sometimes I wonder why I even try sometimes, you win, my heroes are bad, yours are good. But I will mourn mine. I don’t need company, carry on, I hope you get the government you deserve.

[temeculaguy]

Insults hurtled were meant for the person knocking one of my heroes. Heard the soy boy comment from John and Ken mentioning their trips to whole foods and seeing skinny guys afraid of gluten and lamenting that if WW2 were today, we’d lose. But totally beside the point and yet an unintended consequence of my poor choice of ways to illustrate the irony of Brian criticizing Perot.

Let’s look at his resume. Boy scout to Eagle Scout in 13 months and recipient of the DESA award.

Junior college to the Naval Academy (not an easy route) and while there he was a brigade commander and one of the few people that helped establich the honor code in the academy.

My favorite accomplishment was when two of his employees were take hostage in Iran, he paid for and attended their rescue mission by hiring retired special forces veterans. Now that is how a leader of company should treat their employees, he sent them there and he got them back.

Lastly I liked his ideas, he didn’t fit into either party, he was a social liberal and fiscal conservative, a belief system without a party that I still cling to. He was pro choice, believed in federal support for planned parenthood, stricter gun control( but not total gun control and a ban on assault weapons, supported gay rights and more aids research (in 1992 in Texas he was on his own island). He was a fiscal hawk and only supported raising taxes if spending was cut as well with all proceeds going to the debt. He was against NAFTA as he felt jobs would be lost to Mexico and he din’t like foreign wars.

The man has been dead for a short time, he was a good person, and our two party system prevents some of these good people from standing a chance.

[temeculaguy]

You’ll be a hit at parties, the ultimate independant. Today he would win, had he won in 1992, we would have no national debt and you wouldn’t know where Iraq or Afghanistan are on a map.

[temeculaguy]

You’ve never been so wrong and it hurts to read your misguided musings. To help you understand, Bernie liked him, look up the story of Bernie Sanders’ sword which was a gift from Ross. I fondly remember my Perot bumper sticker and I remember reading the book “on the wings of eagles.” You want someone to care about the worker and the working class, you won’t find better.

In other news, Millennials are moving to the suburbs.

https://www.cnbc.com/video/2019/07/08/millennials-are-moving-to-the-suburbs-but-suburbs-cant-keep-up.html?__source=cnbcembedplayer

Nobody is biking to work, nobody uses mass transit and every year fewer do. We waste 70% of transit funds on mass transit for 3.5% of the population that use it. Soy Boys are becoming the bain of our society and the democrats will lose on policy to probably the most offensive president ever because they didn’t learn anything from 2016. Pelosi is doing the right thing to try and silence the progressives because they are a liability. Oh and the deportations of the provisional voters starts Sunday!

Have I hurt your feelings enough, good, you deserved it this time.

I don’t hate Brian but he made me say those things because of his revisionist history about a great American patriot. You do not know Ross, so shut up and sit the hell down. If you or I were 10% of the man that Ross was I would be proud, I will leave this planet without accomplishing a fraction of what he did for others, as will you. That is the reason for the diatribe and the rant, because you have no respect for people who are better than you and you should. Now burn your Che Guevera T shirt and go get a Perot T shirt.

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Brian, you should learn Spanish. Spanish is spoken by many countries, 20 of them have it as their official language, most of them in the new world. It also gives an easy pathway to italian, french, portugeese and romanian among other latin derivatives.Plus it’s one of the easiest ones to learn from English. Nobody ever said they wished they didn’t understand other languages. It gives you Two continents and and easy transition to parts of Europe. Now Asian languages, especially the ones that are more tonal are hard to learn from English. I think other Asian countries will follow Singapore’s lead and make English mandatory in the future unless China conquers all of them.

The Medicare for all thing never gets fully explained, private insurance already subsidizes medicare and medical. Without it, Medicare and medical cannot get the rates they have. For every 100 dollars of medical services, private insurance pays $115, medicare pays $85 and medical pays $50. Providers require more private insurance payers to cover the losses of medicare (old people) and medical (poor people, illegal aliens). Put everyone on medicare and hospitals and clinics either fold or need to charge more, thus eliminating the benefit. A bifurcated system is common in other countries but the one democrat who tells it at events get booed. Why do hospitals in poorer areas struggle financially, it has too many discount patients, you need 3-1 insurance to medical to break even and 1-1 medicare to insured to break even. Since medicare patients need more expensive treatment, it’s actually much higher.

As the saying goes “think it’s expensive now, wait till it’s free.” Same goes for college, free college will cost more than it does today, which ties back to Real Estate, the great recession was caused in part by free credit which ran up prices. Limited commodities are like that, if everyone can have them for free, more will want them and the prices will be driven up (not down) because the ability to deliver them will not be increased and may be decreased if the incentive to deliver them is removed.

[temeculaguy]

Brian, you lose, Flu is right. I watched Sleepy/creepy Joe raise his hand on the free healthcare for illegals question and saw the nail in his coffin (60% of voters disagree). He wasn’t supposed to do that, he was supposed to be the great moderate hope but he went off script or wasn’t paying attention. He was the only real threat, your dream of a D in office will have to wait until the party can find a non progressive that can appeal to the middle, he was the only option (except for John Delaney but he sinned and exposed medicare for all as a fallacy). The rest of the country sees the rest as lunatics. You’ll disagree but you are not in a large demographic and I’m too busy to reply to your multiple anticipated responses. Just hope the DNC can derail the others as they did last time or Joe’s people can prepare him better otherwise its over. Delaney didn’t rise in the polls and was booed of the california DNC stage despite his logical points so my money is on Trump. Who I predicted would win when there was 17 republican candidates. Why, I hate politics and politicians and can see it more objectively than you can. I’m not right or wrong, I don’t care, I’m just looking at it objectively. I also wish Trumo would behave differently, but Joe is screwing up something handed to him on a platter.

[temeculaguy]

The article doesn’t have me triggered, the state of journalism does. It also presents skewed facts without perspective or context. People under 30 statistically get their news only from social media and thus only the headlines or summaries are all that are presented. Rarely do articles today interview a second source or an expert with another perspective, they just regurgitate the press release. The UT like other outlets no longer allow comments unless you are a paid subscriber, further closing the echo chamber.

There are huge flaws in the article, but nobody will hear them. They will just make incorrect assumptions. Case in point, Oceanside and El Cajon are better than Carlsbad based on the limited and short sighted statistical information in the article. Maybe it’s just me, maybe it’s just the decline of print media but it feels like articles decline in quality by the day. It’s my fault too, I no longer subscribe to a daily paper. I subscribed to two papers for decades and I got what I paid for, now I don’t pay and I’m disappointed in the quality of the reporting, but I guess that’s because of me and those like me. So perhaps I shouldn’t complain, I got what I paid for. Nothing.

[temeculaguy]

[quote=PCinSD]Go to the search bar. Top right. Type “rent control”. This will reveal several threads addressing thoughts on rent control. Including your own.

Your welcome.[/quote]

Brian, it’s not support, it’s fatigue.

[temeculaguy]

Brian, that’s 4 replies to yourself, just saying.

[temeculaguy]

I’m down with subsidies/grants/discounts for majors that we need for our economy. Forgiving student loan debt for someone who borrowed six figures to get a degree in social justice or “insert here” cultural studies doesn’t make sense to me. STEM, nurses, doctors, okay I’m in, we need them and they are in short supply. But I run into people with 6 figure debt, from a private liberal arts college and they majored in women’s studies! I have a cousin whose debt is equivalent to the cost of a house and her degree merits her a job that pays $20 an hour. I have another relative who is a social worker with a MSW and a debt of 200k and makes 60k. We need her, but did she need to go to a 50k a year private school, her industry doesn’t care where her MSW is from. Where’s the ROI analysis by the lender, it’s like economic laws are ignored when it comes to college. I have another cousin in debt for 20k, went to a state school and now works for Tesla, now that’s an ROI I can get behind.I have two nephews with minimal debt from reputable UC and CS schools in engineering, I’d invest my money in them, they will make it back. Case in point, a berkely engineering degree and a Berkely community activism degree are not the same, thus should not be subsidized the same. I’ll ask Brian, what would China do?

I also have a cousin that has a PHD and didn’t pay a nickel or take on any debt because her parents were poor, her major has no economic value or public benefit, no job prospects other than becoming a professor and continuing the cycle, which she became.

College loans, grants, scholarships, etc. defy economic laws of supply and demand and that is the real problem. Throwing money at it is but a short term remedy. Evaluating earnings vs cost as a factor in loans would solve the problem. We apply it to people asking to borrow money for a business, but not for higher education, which is essentially the same thing.

[temeculaguy]

[quote=FlyerInHi]Our urban plans are decades old, post WWII, and preserved by baby boomers who are clinging to dear life and the lifestyle that they are most familiar with. Therefore it’s nearly impossible to innovate and deliver new housing products.

Just sell Mira Mesa mall to a Chinese developer and give him carte blanche to innovate and you will see what’s possible. You may not like the end products, by other people will, and they will gladly buy. It’s not about anyone in particular, it’s about delivering innovative products that people want to buy.[/quote]

Funny you’d say that, my personal experience is the opposite. Having raised some millennials and now seeing them choose their housing I see that they will not venture South of the 52 and certainly not the 8. They shy away from transit and they shy away from “innovative products.” Perhaps it is because getting married and starting to think of having children changes their priorities. Maybe it’s because they have lived in urban cores in other countries and lived for years without a passenger car makes them crave a car and a garage and a yard. I’m not sure, but I wouldn’t bet my money that Brian’s generation won’t slowly start abandoning him. If the recent years increase traffic from highway 76 and northwards on the 15 is any indication, they are moving to the burbs in droves.

[temeculaguy]

Brian, I know the NYT article was long but you should read it all. It lays out a pretty good case of how and why China did it, and helping a poor country wasn’t part of it. It knew the port would fail and knew they wouldn’t pay back the loan. Sri Lanka also didn’t need a port there, it’s a bad location and the main port still had room to grow. Some of the port loans were diverted to keep the president in office that they had in their pocket. Now China has a strategically located naval base, which was the plan all along. I hope it works out for Ethiopia, but more than likely China’s actual motive might be something different. If it’s not then we won’t need the red cross, China is the new charity here to save everyone. Yay!!

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