[ucodegen]

7390_Sean_Taylor_Ln – hard to say, street is so-so, no interior shots? I would put $410k.. maybe. I would want to see the inside.

7444 Sean Taylor Ln – entrance is very awkward, on the side of the house – does not flow. Token vaulted ceiling, token wood floors (upstairs ‘hallway’, doesn’t look like it goes inside bedrooms). Tile in bedroom is interesting.. but is it only here? It looks like doing ‘checkboxes’; wood floor, check, tile in bathroom, check… doesn’t completely pull together. Nice covered patio, but seems to be an ‘all concrete backyard’ which to some people may be a minus. I would place it at $480k.

10860 Wallingford – I like the structure of this house, but the interior could drive a person mad. Those cabinets would drive me nuts, particularly combined with the appliance color and color on the walls in the kitchen. I would also heavily discount the wood flooring. Zebra pattern? Looks almost like mis-matched lots of flooring. Living room with only one small window? Non existent back yard? I would go for below list at $460K.

Paul Barwick set a bar at pending at $510K. Nice kitchen, generally open/airy.. no weird paint schemes, floor doesn’t look like a zebra. Master bath is nice. View through kitchen window shows a backyard slightly bigger then the 3 above.

On the first 3 houses, it may not be a good idea for the listing agent to wait for the price to be ‘in the range’. The prime selling season is coming to an end, with a possible small leg down.

[ucodegen]

7390_Sean_Taylor_Ln – hard to say, street is so-so, no interior shots? I would put $410k.. maybe. I would want to see the inside.

7444 Sean Taylor Ln – entrance is very awkward, on the side of the house – does not flow. Token vaulted ceiling, token wood floors (upstairs ‘hallway’, doesn’t look like it goes inside bedrooms). Tile in bedroom is interesting.. but is it only here? It looks like doing ‘checkboxes’; wood floor, check, tile in bathroom, check… doesn’t completely pull together. Nice covered patio, but seems to be an ‘all concrete backyard’ which to some people may be a minus. I would place it at $480k.

10860 Wallingford – I like the structure of this house, but the interior could drive a person mad. Those cabinets would drive me nuts, particularly combined with the appliance color and color on the walls in the kitchen. I would also heavily discount the wood flooring. Zebra pattern? Looks almost like mis-matched lots of flooring. Living room with only one small window? Non existent back yard? I would go for below list at $460K.

Paul Barwick set a bar at pending at $510K. Nice kitchen, generally open/airy.. no weird paint schemes, floor doesn’t look like a zebra. Master bath is nice. View through kitchen window shows a backyard slightly bigger then the 3 above.

On the first 3 houses, it may not be a good idea for the listing agent to wait for the price to be ‘in the range’. The prime selling season is coming to an end, with a possible small leg down.

[ucodegen]

7390_Sean_Taylor_Ln – hard to say, street is so-so, no interior shots? I would put $410k.. maybe. I would want to see the inside.

7444 Sean Taylor Ln – entrance is very awkward, on the side of the house – does not flow. Token vaulted ceiling, token wood floors (upstairs ‘hallway’, doesn’t look like it goes inside bedrooms). Tile in bedroom is interesting.. but is it only here? It looks like doing ‘checkboxes’; wood floor, check, tile in bathroom, check… doesn’t completely pull together. Nice covered patio, but seems to be an ‘all concrete backyard’ which to some people may be a minus. I would place it at $480k.

10860 Wallingford – I like the structure of this house, but the interior could drive a person mad. Those cabinets would drive me nuts, particularly combined with the appliance color and color on the walls in the kitchen. I would also heavily discount the wood flooring. Zebra pattern? Looks almost like mis-matched lots of flooring. Living room with only one small window? Non existent back yard? I would go for below list at $460K.

Paul Barwick set a bar at pending at $510K. Nice kitchen, generally open/airy.. no weird paint schemes, floor doesn’t look like a zebra. Master bath is nice. View through kitchen window shows a backyard slightly bigger then the 3 above.

On the first 3 houses, it may not be a good idea for the listing agent to wait for the price to be ‘in the range’. The prime selling season is coming to an end, with a possible small leg down.

[ucodegen]

Looks like it stirred things up. I got them all hopping now and the finger pointing is rampant. Without going into all the detail, it looks like it is finally going to happen.

Maybe your initial problems were because you got caught with the equivalent of the Wells Fargo lady…

I think there are those types in every business. I suspect Wells and BofA had to staff up to handle the foreclosures and rapid loan turn-over on top of new loans.. in the process, BofA and Wells might have picked up some bad apples.

I had a problem with bad apple(s) with TDAmeritrade, right after the merger. I had a significant position on a stock that had a heavy naked short interest on it. When TDWaterhouse and Ameritrade merged, the position disappeared from my account (it hadn’t been converted to cash either). Even though I was an APEX client, I was getting the run-around. I finally called into the corporate legal department and calmly laid out the whole situation with them. It was fixed COB that day. I would have loved to be a ‘fly on the wall’ when legal was tracking the issue down…

[ucodegen]

Looks like it stirred things up. I got them all hopping now and the finger pointing is rampant. Without going into all the detail, it looks like it is finally going to happen.

Maybe your initial problems were because you got caught with the equivalent of the Wells Fargo lady…

I think there are those types in every business. I suspect Wells and BofA had to staff up to handle the foreclosures and rapid loan turn-over on top of new loans.. in the process, BofA and Wells might have picked up some bad apples.

I had a problem with bad apple(s) with TDAmeritrade, right after the merger. I had a significant position on a stock that had a heavy naked short interest on it. When TDWaterhouse and Ameritrade merged, the position disappeared from my account (it hadn’t been converted to cash either). Even though I was an APEX client, I was getting the run-around. I finally called into the corporate legal department and calmly laid out the whole situation with them. It was fixed COB that day. I would have loved to be a ‘fly on the wall’ when legal was tracking the issue down…

[ucodegen]

Looks like it stirred things up. I got them all hopping now and the finger pointing is rampant. Without going into all the detail, it looks like it is finally going to happen.

Maybe your initial problems were because you got caught with the equivalent of the Wells Fargo lady…

I think there are those types in every business. I suspect Wells and BofA had to staff up to handle the foreclosures and rapid loan turn-over on top of new loans.. in the process, BofA and Wells might have picked up some bad apples.

I had a problem with bad apple(s) with TDAmeritrade, right after the merger. I had a significant position on a stock that had a heavy naked short interest on it. When TDWaterhouse and Ameritrade merged, the position disappeared from my account (it hadn’t been converted to cash either). Even though I was an APEX client, I was getting the run-around. I finally called into the corporate legal department and calmly laid out the whole situation with them. It was fixed COB that day. I would have loved to be a ‘fly on the wall’ when legal was tracking the issue down…

[ucodegen]

Looks like it stirred things up. I got them all hopping now and the finger pointing is rampant. Without going into all the detail, it looks like it is finally going to happen.

Maybe your initial problems were because you got caught with the equivalent of the Wells Fargo lady…

I think there are those types in every business. I suspect Wells and BofA had to staff up to handle the foreclosures and rapid loan turn-over on top of new loans.. in the process, BofA and Wells might have picked up some bad apples.

I had a problem with bad apple(s) with TDAmeritrade, right after the merger. I had a significant position on a stock that had a heavy naked short interest on it. When TDWaterhouse and Ameritrade merged, the position disappeared from my account (it hadn’t been converted to cash either). Even though I was an APEX client, I was getting the run-around. I finally called into the corporate legal department and calmly laid out the whole situation with them. It was fixed COB that day. I would have loved to be a ‘fly on the wall’ when legal was tracking the issue down…

[ucodegen]

Looks like it stirred things up. I got them all hopping now and the finger pointing is rampant. Without going into all the detail, it looks like it is finally going to happen.

Maybe your initial problems were because you got caught with the equivalent of the Wells Fargo lady…

I think there are those types in every business. I suspect Wells and BofA had to staff up to handle the foreclosures and rapid loan turn-over on top of new loans.. in the process, BofA and Wells might have picked up some bad apples.

I had a problem with bad apple(s) with TDAmeritrade, right after the merger. I had a significant position on a stock that had a heavy naked short interest on it. When TDWaterhouse and Ameritrade merged, the position disappeared from my account (it hadn’t been converted to cash either). Even though I was an APEX client, I was getting the run-around. I finally called into the corporate legal department and calmly laid out the whole situation with them. It was fixed COB that day. I would have loved to be a ‘fly on the wall’ when legal was tracking the issue down…

[ucodegen]

Amen to that. You roll up a line of 20 747’s and all the nuts and bolts are in the same place and the same size and a good mechanic can find their way around blindfolded. Line up 20 people and ask a nurse or phlebotomist or surgeon to do what they do and they will have to spend a certain amount of time getting acquainted-often with someone who is forgetful or fudges what they say.

Actually, this is a partial truth. Humans of different races are largely the same. All the parts in the same places doing basically the same functions – down to our mitochondria. Where it gets interesting is in ‘system response’. This goes to drug response, drug interactions, immune system response. Two nearly identical people can have very different responses to some drugs, ie Warfarin or Coumadin.

The problem with patents fudging what they say can be similar to poor tracking history on 747 repairs. Different patient histories on health behavior can be similar to different maintenance qualities on 747s (which in the US has been mandated to a specific airframe maintenance schedule – something that would not ‘fly’ with people).

[ucodegen]

Amen to that. You roll up a line of 20 747’s and all the nuts and bolts are in the same place and the same size and a good mechanic can find their way around blindfolded. Line up 20 people and ask a nurse or phlebotomist or surgeon to do what they do and they will have to spend a certain amount of time getting acquainted-often with someone who is forgetful or fudges what they say.

Actually, this is a partial truth. Humans of different races are largely the same. All the parts in the same places doing basically the same functions – down to our mitochondria. Where it gets interesting is in ‘system response’. This goes to drug response, drug interactions, immune system response. Two nearly identical people can have very different responses to some drugs, ie Warfarin or Coumadin.

The problem with patents fudging what they say can be similar to poor tracking history on 747 repairs. Different patient histories on health behavior can be similar to different maintenance qualities on 747s (which in the US has been mandated to a specific airframe maintenance schedule – something that would not ‘fly’ with people).

[ucodegen]

Amen to that. You roll up a line of 20 747’s and all the nuts and bolts are in the same place and the same size and a good mechanic can find their way around blindfolded. Line up 20 people and ask a nurse or phlebotomist or surgeon to do what they do and they will have to spend a certain amount of time getting acquainted-often with someone who is forgetful or fudges what they say.

Actually, this is a partial truth. Humans of different races are largely the same. All the parts in the same places doing basically the same functions – down to our mitochondria. Where it gets interesting is in ‘system response’. This goes to drug response, drug interactions, immune system response. Two nearly identical people can have very different responses to some drugs, ie Warfarin or Coumadin.

The problem with patents fudging what they say can be similar to poor tracking history on 747 repairs. Different patient histories on health behavior can be similar to different maintenance qualities on 747s (which in the US has been mandated to a specific airframe maintenance schedule – something that would not ‘fly’ with people).

[ucodegen]

Amen to that. You roll up a line of 20 747’s and all the nuts and bolts are in the same place and the same size and a good mechanic can find their way around blindfolded. Line up 20 people and ask a nurse or phlebotomist or surgeon to do what they do and they will have to spend a certain amount of time getting acquainted-often with someone who is forgetful or fudges what they say.

Actually, this is a partial truth. Humans of different races are largely the same. All the parts in the same places doing basically the same functions – down to our mitochondria. Where it gets interesting is in ‘system response’. This goes to drug response, drug interactions, immune system response. Two nearly identical people can have very different responses to some drugs, ie Warfarin or Coumadin.

The problem with patents fudging what they say can be similar to poor tracking history on 747 repairs. Different patient histories on health behavior can be similar to different maintenance qualities on 747s (which in the US has been mandated to a specific airframe maintenance schedule – something that would not ‘fly’ with people).

[ucodegen]

Amen to that. You roll up a line of 20 747’s and all the nuts and bolts are in the same place and the same size and a good mechanic can find their way around blindfolded. Line up 20 people and ask a nurse or phlebotomist or surgeon to do what they do and they will have to spend a certain amount of time getting acquainted-often with someone who is forgetful or fudges what they say.

Actually, this is a partial truth. Humans of different races are largely the same. All the parts in the same places doing basically the same functions – down to our mitochondria. Where it gets interesting is in ‘system response’. This goes to drug response, drug interactions, immune system response. Two nearly identical people can have very different responses to some drugs, ie Warfarin or Coumadin.

The problem with patents fudging what they say can be similar to poor tracking history on 747 repairs. Different patient histories on health behavior can be similar to different maintenance qualities on 747s (which in the US has been mandated to a specific airframe maintenance schedule – something that would not ‘fly’ with people).

[ucodegen]

It’s obvious where all the money is going — to the insurance companies!

There is some truth to malpractice insurance driving out doctors..

From CNN.
http://money.cnn.com/2009/09/14/news/economy/health_care_doctors_quitting/index.htm?postversion=2009091404

That said, there is also the problem of the AMA not disciplining some of their doctors who ‘serial malpractice suit’ recipients. You also have some doctors that order excessive tests, or tests that are effectively duplicates (same but different) because of kickbacks, because they want to find a way to justify surgery when not needed. Add in a bit of crazy tort awards and the attempts of insurance companies to ‘increase their bottom line’ and the result is that everyone else gets hosed.

Now we want to make insurance mandatory?.. didn’t anybody learn from the mandatory auto insurance in California? It was touted as a way to reduce insurance costs.. but it didn’t. Why were people surprised that it didn’t? Create a captive demand in a market and only one thing happens – prices go up. California voters got so annoyed that they even created another bureaucracy – Insurance commissioner.. which really hasn’t done anything anyway.

What really needs to happen is that people need to get more involved in their health and decisions related to their health. There needs to be reform in how doctors are disciplined, as well as tort reform. Throwing it ‘over the wall’ to insurance will not achieve this. Insurance will only pass on the cost to the customer with their management fees added – The money that insurance companies use to pay the claims – comes from their insured.

[ucodegen]

It’s obvious where all the money is going — to the insurance companies!

There is some truth to malpractice insurance driving out doctors..

From CNN.
http://money.cnn.com/2009/09/14/news/economy/health_care_doctors_quitting/index.htm?postversion=2009091404

That said, there is also the problem of the AMA not disciplining some of their doctors who ‘serial malpractice suit’ recipients. You also have some doctors that order excessive tests, or tests that are effectively duplicates (same but different) because of kickbacks, because they want to find a way to justify surgery when not needed. Add in a bit of crazy tort awards and the attempts of insurance companies to ‘increase their bottom line’ and the result is that everyone else gets hosed.

Now we want to make insurance mandatory?.. didn’t anybody learn from the mandatory auto insurance in California? It was touted as a way to reduce insurance costs.. but it didn’t. Why were people surprised that it didn’t? Create a captive demand in a market and only one thing happens – prices go up. California voters got so annoyed that they even created another bureaucracy – Insurance commissioner.. which really hasn’t done anything anyway.

What really needs to happen is that people need to get more involved in their health and decisions related to their health. There needs to be reform in how doctors are disciplined, as well as tort reform. Throwing it ‘over the wall’ to insurance will not achieve this. Insurance will only pass on the cost to the customer with their management fees added – The money that insurance companies use to pay the claims – comes from their insured.

[Author]

Posts