[UCGal]

[quote=KSMountain]There’s already a Green party, right? OWS could hijack that and get some real candidates going. They could propose some legislation and some platform planks. if Michael Moore and the SEIU ponied up say 5% of their wealth, they’d have some real advertising/campaign funds behind them.[/quote]
If the system is broken and rigged – does it make sense to stay within the system.

Look at the civil rights movements and free speech movements of the 60’s – it was messy. All sorts of press coverage about the dirty hippies not staying quiet and those uppity dark people who weren’t satisfied with status quo. Sometimes you have to make noise and work OUTSIDE the political party system to get real change.

If there hadn’t been protests, marches, free speech assemblies in violation of the wishes of the powers that be – the civil rights movement would not have happened.

I remember my parents clucking at the nightly news about the riots in Berkeley. More so because my mom had a part-time gig with her former sorority and was the adult in charge of her sorority houses in CA. She had to deal with the riots in Berkeley and later Watts – as it affected some of her students. (She had one student arrested and another caught up, and injured)

Change is often messy. Especially when the change requires some structural shifts. It seems like the underlying message of the OWS movement is that the political and financial systems are rigged to benefit the few. That we socialize losses on the masses, and privatize the gains among the elite. It will take structural changes to fix that. And that involves working outside of the system that is rigged against the many.

[UCGal]

[quote=urbanrealtor][quote=UCGal][quote=Hobie]No Italians in this group, so far:) Eating,drinking,friends is art.[/quote]
Why do you think I haven’t chimed in. Spent the weekend with my Italian husband and his Italian family – cooking, eating, drinking wine, chatting… Good times.[/quote]
Was there la posta?[/quote]
Yes- but unfortunately, I wasn’t there for that. My hubster took his family to La Posta on Sunday morning at his nephew’s request. (Nephew used to live with us so was heavily exposed to the best of the Hillcrest taco bars.)

[UCGal]

[quote=Hobie]No Italians in this group, so far:) Eating,drinking,friends is art.[/quote]
Why do you think I haven’t chimed in. Spent the weekend with my Italian husband and his Italian family – cooking, eating, drinking wine, chatting… Good times.

[UCGal]

Oooh – even scarier – zombie Con Law experts.

Or zombie Ron Paul supporters.

Or maybe the zombie con law experts eat the brains of the ron paul supporters. Maybe those brains are yummier.

[UCGal]

MarkMax… the subject has changed to zombies… or better yet – zombie sharks!!!
(Now that is really terrifying.)

I love the idea of sending Marian to stay behind and fight them.

Can we make a stop at La Posta to get grub before we head out to the Carl Vinsen?

[UCGal]

[quote=urbanrealtor]

I agree.
Drinking heavily makes those social engagements more interesting and less fattening (if you can remember to avoid La Posta at 3am on Saturday night).

Oh no,…I’ve said too much…[/quote]

I’ve had many a semi-sober (note the semi) taquito or burrito at 3am at La Posta… Going back almost 30 years.

[UCGal]

[quote=walterwhite]
Nobody claimed to be a con law genius.

[/quote]

Actually MarkMax claimed everyone was. Here’s what he said….

[quote=markmax33]ROE VS WADE is unconstitutional. Ask anybody.

[/quote]

followed by…

[quote=markmax33]
Alright since we are we are constitutional geniuses tell me how this:

[/quote]

But I’d much rather talk about Big Lebowski references, sharks, turnips, and maybe even introduce zombies into this thread. It’s pretty clear to me that MarkMax is not listening… just preaching.

One of the things I love about Piggington is that threads can have real give and take – especially threads with Array, Allan, Dan, Eaves, afx, and the artist formerly known as scaredy. I don’t enjoy it when it turns into one side trying to shout down reasoned discussion.

So on that note… Zombies anyone?

[UCGal]

[quote=jeeman]Is this needed for your basic remodel, or only for additions?[/quote]
When we did our companion unit we didn’t have to do a title report.

Is this for getting a cash out refi or heloc -to pay for the remodel? Or is the permitting agency requiring it? If so… why?

We purchased from family – and used a title/escrow company for the paperwork. They have pretty standard fees. Google some title companies and call around.

[UCGal]

[quote=markmax33][quote=SK in CV][quote=markmax33][quote=SK in CV]
Medicare is more efficient than private insurance. Their administrative costs, on a per patient basis, are a tiny fraction of private insurance.[/quote]

http://www.cbsnews.com/stories/2009/10/23/60minutes/main5414390.shtml

Medicare isn’t a waste?????!!! You missed the 60 minutes special. Clearly you are lost. LOLOL at it being more efficient than the private market. Thanks for proving my point![/quote]
[/quote]

“In fact, Medicare fraud – estimated now to total about $60 billion a year – has become one of, if not the most profitable, crimes in America.”

Not only that, Medicare and Medicad drive the cost of procedures up. It creates inefficiency in the market place. How is that an “efficient market”? Those procedures would have dropped in price if it were privatized with little GOV regulation. Dare me to prove it?[/quote]
No one is denying there is fraud in medicare and medicaid. There is fraud in private health insurance, as well. Lets not assume that fraud only exists in government programs.

The Heritage Institute tried to look at Medicare coverage on a per beneficiary cost and concluded the administrative costs were higher for medicare recipients. What they failed to mention is that Medicare recipients are exclusively over 65… you can’t compare a population of 65+ directly against a population of 64 and under.

I found a study that accounts for that (and includes the Heritage data as well.)

http://healthcarereform.procon.org/view.resource.php?resourceID=004083
There you go again. Where did i say medicare doesn’t have waste? You just made that up.

[UCGal]

Another good link on types of plans/participation.
http://www.ebri.org/pdf/briefspdf/EBRI_IB_10-2011_No363_Ret_Part.pdf

[UCGal]

[quote=AN]In 1984, the life expectancy is 71 for white men vs 75 today. How much does pension pay per year and what was the retirement age? People are living longer and longer every year.

http://www.infoplease.com/ipa/A0005148.html

You’re right, $120k with pension is > than $170k w/out pension. However, what’s the ratio of people retiring with pension in 1984 vs today? I tried to find this data but can’t find anything. There are people today who retire with pension. It’s not like it’s completely disappear.[/quote]
Here’s what I was able to find:

By 1974, nearly 31 million workers were covered by private pensions, with 27 million enrolled in defined benefit plans.2 Private retirement plans had become the major source of income for many retired workers.

http://www.bls.gov/opub/cwc/cm20050325ar01p1.htm

Another source of data shows the trend away from defined benefit (pension) plans to defined contribution plans.
http://www.dol.gov/ebsa/pdf/historicaltables.pdf
1984: 168k pension plans in force. Or 28% of retirement plans were DB.
2008: 48k pension plans in force. Or 6% of retirement plans were defined benefit.
(page 5 of the link)
Looking at page 9 of the link. In 1984, 55% of people with DC (defined contribution) or DB (defined benefit plans were in DB plans.
In 2008 it was 33% DB for those with DB or DC plans.

There’s a lot more data in the dol.gov link… it’s going to take me some time to absorb it. Lots of pretty charts, too.

[UCGal]

[quote=sdduuuude]The rules UCGal posted match up with my understanding as well.

When I built my detatched garage in Clairemont, the inspector was very leery of anything that suggested I might be planning on sneaking a kitchen or bathroom into the garage. So, the city pays close attention to this. I don’t think it is something you could possibly sneak by a planner.

I think that Agricultural-Residential lots allow the second structure even if the the lot size is not 2x the min. I’m not 100% sure about that, though. Still, I would expect the more rural environment of Poway to be less restrictive on this.[/quote]

I could be wrong on this (probably am) but I seem to remember that Poway follows the unincorporated county rules – which directly follows the State guidelines.

I’m not sure (haven’t read the whole pdf) – but I think this is the latest guidelines for the county building department.
http://www.sdcounty.ca.gov/dplu/docs/ZC009.pdf

[UCGal]

Part of this is the shift from defined benefit to defined contribution plans for retirement.

In 1984 – a large percentage of workers/retiree’s had defined benefit retirement plans – Pensions. So they got dribs and drabs of their retirement income guaranteed through retirement.

Now the system is to save in 401ks, TSPs, 503b’s, etc… which is owned by the retiree.

170k seems really low to me. Not enough to retire on.

The $120k of 1984 – subsidized by monthly pension payments, is a lot wealthier than the $170k of now, with no pensions.

I saw this story this morning and was surprised no one mentioned this change in how our retirement is funded. It seems really obvious to me.

[UCGal]

[quote=SmellsFeeshy][quote=sdduuuude]I don’t think there is 1 thing that can do it all right now, which is why you have an input selector on your TV.[/quote]

I agree, I currently have a DVR from Time Warner to supplement my HTPC. There are hardware solutions (Hauppage makes one I believe) that bundle with an HTPC to allow it to function as a DVR but they all have bugs/limitations. The biggest issue being that even with a cablecard you might not be able to get all of the channels that you would using the TW box.

But the OP is not looking for DVR functionality since they want to “cut the cord”. If you don’t need DVR an HTPC is a great solution IMO.[/quote]

You need to see if your solution works with SDV if you plan to stay with Time Warner. In order to get switched digital video (SDV) channels on our Tivo – we need a tuning adaptor.

It’s a total kludge. I’m not a fan. I probably have to powercycle the tuning adaptor at least once a month. But Time Warner has been switching more and more channels to SDV.
Here’s a list of channels that are SDV (so you’d need a tuning adaptor.)
http://www.timewarnercable.com/sandiego-desertcities/support/policies/cablecard_unavailable_channels.html

And here’s a list of what devices work with the tuning adaptor (to allow you to get the SDV channel.s)
http://www.timewarnercable.com/sandiego-desertcities/learn/cable/sdv/

[UCGal]

[quote=sdrealtor]

Is it just CA? My parents bought their house in NJ in 1963 and about 30 years later sold it for 10 times what they paid.[/quote]
Yeah – but CA was on steroids for the similar timeframe.
My parents bought for 29K in 1966. Sold to me (at market rate) for $600k in 2002. 35 years and 20 times the value.

[Author]

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