[zk]

[quote=FlyerInHi]If you believe in some made up God, Christians will tell you that you’re crazy. According to them, the only god you’re not crazy to believe in is Jesus Christ.

So Christians are not really for religion. The are only for their own religion.[/quote]

That goes for almost all religions/religious people.

[zk]

[quote=flu]
What’s the difference between ridiculing people of Christian faith over a blog, hurling insults at such religion, and religious people, spitting and pissing on what probably matters a lot to them…versus hurling a bunch of stereotypes and a vulgarities about a say an Latino or African American…
[/quote]

Dude. Really?

“You’ve chosen to base your life on a ridiculous fantasy. Which is bad enough by itself, but I could ignore that. But you want me to share your delusions? You want our country to base its laws on your delusions? FUCK. YOU.”

vs.

“You’re black. You must be stupid. And lazy. And suckling at the government teat.”

Can you really not see the difference?

[quote=flu]
…or Muslim?

[/quote]

No difference. They’re deluded fools, too.

[zk]

Exactly the kind of gem-packed answer I was hoping for. Man, you really are one of a kind.

[zk]

Then why are you spelling it like that?

[zk]

[quote=outtamojo]

No zk your retort should be “have you accepted Obamacare yet?”[/quote]

D’oh!! I whiffed.

Good one.

[zk]

[quote=bearishgurl]
zk . . . have…you accepted the results of the 2016 general election?

[/quote]

What do you mean by, “accepted the results?”

[zk]

[quote=23109VC] I know people who timed this perfectly in the last downward cycle …

[/quote]

jm2c:

The last peak was so massive and so obviously unsustainable that it was a lot easier to profit from than this one might be.

This was the picture in 2005:

Risks of a Serious Home Price Decline

It doesn’t look quite like that now.

If I understand your strategy correctly, then for your strategy to work (to work well, anyway), nominal prices must drop. There is, in my maybe-better-informed-than-average-but-no-expert opinion, a decent chance that the downside of this peak (whenever it peaks, whether that’s now or in a year or more) will result in a drop in real prices but not nominal prices. Or maybe a small drop in nominal prices.

There’s also a decent chance it will result in a significant enough nominal price drop that your strategy will work. All I’m saying is that, while prices are higher than their historical means (by most or all measures), and they will almost certainly revert to historical means, that doesn’t necessarily mean that there will be significant nominal price drops. And even if there are, timing them can be tricky.

On the other hand, if you want to move to San Diego, then the importance of how much money you make or lose should be weighed against the importance of moving to San Diego. As a person who thinks San Diego is the best place in the world to live (if I had billions of dollars, I wouldn’t move more than a couple of miles), I say it’s worth the risk and worth the money.

If you’re going to take that risk, now seems (in my opinion) like as good a time as any.

[zk]

.

[zk]

[quote=Hobie]friggn troll astrid. start your own site.[/quote]

How is astrid a troll, Hobie?

[zk]

[quote=temeculaguy]
Now that’s what I’m talking about, just ignore my replies on another thread but you broke out the D word and FLU was right my comments there and here were not directed towards you.
[/quote]
I’m not sure what the above means, but I would never ignore your replies. I didn’t see those comments until this morning, and I have plenty to say about them.
[quote=temeculaguy]
Now that we’ve had our opening slap fight, my apologies, now let’s get down to business.
[/quote]
Ok, I kinda wish I saw that before I responded on the other thread. But I really would love to hear what you have to say over there.
[quote=temeculaguy]

So I like to look at rent to price ratios as a time to purchase and we’ve seen them fluctuate over the past 10-15 years. It doesn’t look like a huge bubble but it looks misaligned but not by the amounts it once did.
[/quote]
Concur.
[quote=temeculaguy]

Scenario 1, low 20’s couple, one works inland N. County and had traditional M-F schedule, other one will/may be moved throughout the county every so often but won’t commute during peak hours. Take home pay combined, 8-12k a month, no kids and no immediate plans. RB, 4S, San Marcos, Poway, Penisquitos, Carmel Mtn, Scripps Ranch are all in play. Nice condos and little houses seem to rent for 2500-3000. Buying them seem to be 600k+ with the newer ones having higher taxes and mello roos. They like the newer ones.

Scenario 2, mid 20’s couple, no kids. Can’t give work location or income as they are relocating from Vietnam and will be arriving soon with capital, degrees and mastery of multiple languages. They have a strong desire to live in or near other Vietnamese speakers so as to not lose their skills. One of them also speaks Chinese. Both were English teachers for 3 years in Asia but teaching or language is not their degree nor what they will be doing for work once here, more of a hobby and a comfort to be near a community, not a necessity. She is Asian and fluent in English without an accent and he is a blond white kid who speaks, reads and writes Vietnamese which is fun to see in action. I’m at a loss where to direct them as they are not wanting to replicate where they were but would like to have some connection to people, cuisine and language of where they were. City heights/little saigon fits some of the list but not really, they are accustomed to either a more upscale or safer place without sounding too elitist. If someone is from there or has been there they will understand, they are district 1 people.

There you have it, a real estate question. I’m recommending they all rent for at least a year and based on what I’ve read thus far there’s no real danger of prices getting away from them in the next 12 months.
[/quote]

Totally concur that there’s no real danger of prices getting away from them in the next year.

I would inform them, if they’re not already aware, of the way that prices fluctuate within the year. The fact that in the spring there’s almost always a hot seller’s market (relative to the overall trend) and in the fall/winter it’s the opposite. (For example, if the trend is rising prices, they’ll rise faster in the spring and rise more slowly in the fall; if the trend is falling prices they’ll fall slower in the spring and faster in the fall. Or rise in spring and fall in fall. Or whatever.) If they’re not constrained by moving when it’s convenient for children’s school schedule or whatever, then they’ll generally find a looser market in the fall (although sometimes there might be fewer homes on the market). Also, being aware of this cycle might help to keep them from panicking if prices are rising fast in the spring. It might also encourage them to wait for fall if prices are flat or even falling during the spring.

I think renting is a great way to see if you like living in an area, too.

My wife has a few Vietnamese friends, and she’s going to ask if they know of any areas in SD where Vietnamese are concentrated. I don’t really think there are any. We’ll see.

It would be fascinating to hear the white kid speak Vietnamese. It is a wildly different sounding language, and I’ve never seen a white person speak more than the most rudimentary basics. I read somewhere that Vietnamese has 56 different vowel sounds. Which seems impossible until you start thinking of all the different vowel sounds you can make if you start taking into consideration how nasal they are or other things like that. Chinese is really hard to learn (I failed) but Vietnamese seems even harder.

[zk]

[quote=temeculaguy]
I’m not even a trump fan, but all the crying is awesome. “Douchebag” really,

[/quote]
Yes, douchebag. If you enjoy somebody’s feelings being hurt, that pretty much makes you a douchebag right there. (My (and all the progressives I know) feelings weren’t and aren’t hurt; more on that later). Enjoying others being hurt is pretty much a hallmark of douchbaggery.

[quote=temeculaguy]
and what do you know about my politics? I voted for Obama, twice, Bill Clinton once (went with Perot the other time)
[/quote]
Here’s what I know about your politics:
[quote=temeculaguy]
I’ve also seen the treatment of some old friends by the rabid progressives and have been tempted to intervene…
But alas, the site is awash in liberal drivel, socialism, politics and trump derangement syndrome…
As the old saying goes, “if you are not a socialist by 20 you have no heart but if you are not a conservative by 40 you have no brain.” They need to age out of it and I will not convince them otherwise, however at some point someone has to declare “adult swim, everyone under 18, out of the pool…”
Or will it remain a place democratic socialists go when the Rachael Maddow show has a guest host?…
[/quote]

[quote=temeculaguy]

and yet I’m the bad guy because I criticize what I believe is the biggest sore losers I’ve seen in my life.

[/quote]
1) No, you’re not a douchebag because you criticize anyone. You’re a douchebag because you enjoy when others’ feelings are hurt. (And in this case, you’ve been manipulated into thinking their feelings are hurt when they aren’t. See 4.)

2) your responses that progressives “feelings are hurt” and that they’re “sore losers” are nonsensical right-wing propaganda points (see 3 and 4), which points towards at least who you’re probably listening to, which is a possible indicator of your politics.

3) Being afraid for our country and being passionate about changing its direction because we’ve elected a president who is trying very hard to weaken the rule of law in our country for his own benefit, who can’t seem to understand what is true and what is not true, who is extraordinarily corrupt, and who clearly cares about himself far more than he cares about the country, (not to mention that he constantly lies, he’s a cheater, he never takes responsibility for his mistakes or the problems he causes, he cares about nothing and nobody but himself, he is petty, petulant, bellicose, ignorant, lazy, impulsive, delusional, amoral, unstable, and vindictive, and he is a racist and a misogynist and a bully and a narcissist) is completely unrelated to being a sore loser. When GWB won the first time, I was very disappointed (even though I was more of a right-leaning centrist back then; I thought he was an idiot), but I moved on. When he won the second time, I was kind of disgusted, but I moved on. This isn’t like that. GWB was more or less a typical republican who had typical republican priorities when he got elected the first time. The second time, he’d gotten us into an unnecessary war, which is horrible. But he wasn’t an existential threat to the republic. If democrats hadn’t won the house in 2018, that’s exactly what trump would be. His degradation of the rule of law over the past two years, his installation of cronies, yes men, and sycophants in the justice department, plus the failure of the outrageously craven republicans in congress to act as the checks and balances that the constitution demands were steps towards the fascism that he so clearly admires.

Now, you can disagree with me that he’s an existential threat to the republic (and, if you get your news from where it seems like you get your news, then you undoubtedly do disagree), but he is far from just somebody whose economic or social policies we don’t like. And to call somebody who is animated and involved and passionate about the direction this country is taking when a “man” like trump is threatening to ruin our country a “sore loser” is to miss the point entirely (and it’s also incorrect). It’s not that we’re sore that we lost. We feel that, for the future of our country, it’s necessary to do whatever is necessary (and legal) to make sure that trump isn’t given the opportunity to continue on the path that he’s on. That involves campaigning for democrats for congress so that the cowardly congressional republicans will no longer be able to cede all of congress’ power to trump. And it involves trying to get other voters to see who trump is and what he’s doing. Unfortunately, the behemoth right-wing propaganda machine makes convincing anyone who has already been indoctrinated by that machine virtually impossible.

4) The right-wing propaganda machine tells its dupes that people who think trump is dangerous for the country have hurt “feelings.” Can you explain to me how that makes sense? I’m disgusted by the foolishness and ignorance of those who can’t see trump for what he is. If I think trump fans are fools, that doesn’t mean my feelings are hurt. If we’re in a restaurant, and some guy punches a waitress because she accidentally stepped on his foot, and some other guy cheers on the guy who punches the waitress, and I tell guy who cheered on the puncher that he’s a disgusting fool, does that mean my feelings are hurt? No, it means I think that guy’s an asshole. I’d really love to hear you explain why you think progressives’ feelings are hurt.

Generally, when people hear “hurt feelings” they think of someone who feels bad about themselves because of something bad somebody said about them. Other definitions include being angry. If you’re using the former definition (or something similar), then all my above arguments apply. If you’re talking about being angry (or something similar), then I would say that being angry – and being motivated to action by that anger – is an appropriate response to the disaster (the potential catastrophe) that is the trump presidency.

[quote=temeculaguy]

You don’t always get a trophy.
[/quote]
A trophy? WTF are you talking about? Nobody’s asking for a trophy. We’re doing what we think is necessary for our country.

[quote=temeculaguy]
It’s not ideology I’m rebelling against, its the tantrum of toddlers that I see and I’m waiting until they cry themselves to sleep and i’m still waiting.
[/quote]
Yet another right-wing propaganda talking point. We’re crying toddlers. That doesn’t even make sense. We’re extremely concerned Americans who feel the need to change the direction our country is going. By your definition, every American who ever spoke out passionately about wanting to change the direction of our country is a crying toddler. I presume that right-wing propagandists encourage this response because it serves the purposes of making the trump supporter feel superior and avoiding the need for a reasoned response. In addition, there is the possibility that some of the weaker trump protesters and some of the trump protesters who can’t see how ridiculous the charge is will stop pointing out the dangers that trump poses.

[quote=temeculaguy] I’ve read the constitution and the bill of rights a few times I’ve never seen the right to not have your feelings hurt among your inalienable rights. Put on your big girl panties and get back to your life.
[/quote]
Put your big boy thinking cap on and explain how you came to the conclusion that my feelings are hurt.
[quote=temeculaguy]
I like and dislike some of the things Trump does but I’ve never liked the democrats or the republicans as an lockstep ideology,
[/quote]
What is trump doing that you like?

[quote=temeculaguy]
the vitriol and hate based on people not agreeing with you or voting like you says far more about you than it does about me.
[/quote]
My vitriol is not based on people not agreeing with me. If you can make a cogent argument for your side and we disagree, that’s fine with me. Heck, it doesn’t really even have to be all that cogent. It just has to be based on the truth. Almost every single trump supporter I’ve engaged with has failed to even try to make an argument. They never say, “you’re wrong about the justice department because of X,” or “you’re wrong about what trump said to the Australian prime minister because of Y” or “you’re wrong about trump being a delusional narcissist because of Z.” Or “you’re wrong about (a thousand stupid or dangerous things that trump has done or said) because of (any old reason at all will do here).” They tell me I’m a sore loser or a snowflake or my feelings are hurt and that I should put my big girl panties on. And that is EXACTLY why the right-wing propaganda machine encourages those responses. It’s the only one trump supporters have. It’s a response that serves the dual purpose of avoiding having to come up with a nonexistent argument in favor of trump along with making the trump supporter feel superior. My vitriol is based on the fact that most trump supporters believe the lies of trump and of the right-wing propaganda machine and are therefore not even starting from a position of truth. Hypothetical analogy: If somebody believes in some false prophet, and that prophet needs their support, and that prophet garners their support with lies and propaganda, and that prophet is a danger to me or my family or my country, I’m not going to agree to disagree with those supporters. I’m going to point out that those lies and propaganda are just that: lies and propaganda. And unless they can show me that their positions aren’t based on lies, I’m not going to agree to disagree with them. If my response is vitriolic, it’s not because I disagree with them. It’s because they are a danger to my country due to the fact that they don’t want to (or can’t) distinguish propaganda from truth.

72% of republicans, according to a 2018 Quinnipiac poll, said that they think that trump is a good role model for children. That’s how strong the propaganda machine is. Trump demonstrably has almost every major negative personality trait that a person can have. His character is demonstrably horrible. And yet these chumps have somehow been manipulated into believing that he’s a good role model for children. Tell me, tg, do you think that trump is a good role model for children? If so, why? If not, why do you think that 72% of republicans think he is?

[quote=temeculaguy]
Now you just have to wear a red hat, support the president or go to a church. Now you get insulted or physically attacked for expressing a viewpoint.
[/quote]
Really, dude? You’re upset about the very rare MAGAer getting beat up, but not about the physical assaults that trump actually personally encouraged? Or the increase in hate crimes since trump has let deplorables out of the closet?

[quote=temeculaguy]
I don’t go to a church, but i don’t care if you do.
[/quote]

You going to a church isn’t damaging our country.

[zk]

[quote=temeculaguy]
Mea Culpa ZK, it was not my best work.
[/quote]
Kudos for recognizing and admitting. I do remember a whole lot of good work.

[quote=temeculaguy]
I did find what was once on the cutting edge of economics had become a much different place
[/quote]
The forum is obviously dominated by non-real estate topics. But Rich steadily keeps us in the know on real estate trends on the main page. In my opinion he is still, about 15 years after his data and analysis first helped me make good real estate decisions, the best and most unbiased source for such information. And the forum, while dominated by other topics, is still a place where you can ask real-estate questions and get some input from some pretty smart and knowledgeable people.

Not long after Rich started the forum, it had already started to take a turn away from real estate. There was also already some strife between posters. Rich asked me if I thought the forum was something he should keep (or maybe he just asked if I thought he should keep the “off topic” section; I don’t remember). Maybe he foresaw then what it has become now; he was hesitant to keep it. I don’t think he’s a fan of drama. I said that I thought he should keep it and, even if I knew then what I know now, I’d still have said yes. It’s a pretty interesting place that, in my opinion, is several notches above most internet forums as far as the level of conversation (a low bar, to be sure, but, still…several notches). Also, the forum is its own community. Which is kind of cool, if you ask me. (Even if it is complete with the drama and strife you find in basically any community.) Also, I think that knowing a little about the person who’s giving real estate advice helps you evaluate that advice, and this forum helps you know them.

Is the forum perfect? No. Would it be better if it was a bit less dominated by non-real estate stuff? Probably. Would it be less dominated by non-real estate stuff if there was another bubble like the last one and all but the tiniest number of the pundits were clueless about it? Almost certainly.

[quote=temeculaguy]

It is possible that real estate is accurately priced, there is no large scale conspiracy like there was in 06…
[/quote]

There doesn’t have to be a conspiracy for real estate to be inaccurately priced. There’s a cycle, and prices fairly steadily move back and forth between undervalued and overvalued.

[quote=temeculaguy]

However looking at the rent to purchase ratio, it still seems off to me in some places and renting looks better especially for young couples in the twenties whose careers have just begun and may take some twists, turns and location changes in the next few years.
[/quote]

I could easily be wrong, but I think the consensus is that compared to the mean (by any number of metrics), housing prices are a bit high (but nothing like the bubble of last decade), leaving the question to be, “how will they revert to the mean?” Of course that could be anything between a sudden drop (unlikely) and prices that continue to rise, but at a slower rate than inflation. Although there’s always a chance that there could be an even further disparity from the mean before reverting (which also seems unlikely at this point, although not as unlikely as a sudden drop, in my not-necessarily-all-that-informed opinion).
[quote=temeculaguy]

However that was not an idiotic quote.

[/quote]
For now, I’ll agree to disagree with you on that. I wanted to get this posted before I go to bed. But I have some thoughts on that, and I look forward to debating with you about it (if you’re into that sort of thing).

[zk]

[quote=temeculaguy]
I’ve also seen the treatment of some old friends by the rabid progressives and have been tempted to intervene…
But alas, the site is awash in liberal drivel, socialism, politics and trump derangement syndrome…
As the old saying goes, “if you are not a socialist by 20 you have no heart but if you are not a conservative by 40 you have no brain.” They need to age out of it and I will not convince them otherwise, however at some point someone has to declare “adult swim, everyone under 18, out of the pool…”
Or will it remain a place democratic socialists go when the Rachael Maddow show has a guest host?…
[/quote]
Followed by

[quote=temeculaguy]

I hate politics and despise both sides …
[/quote]

You despise both sides? Really? Are you not proofreading your posts?

[quote=temeculaguy]
I’ve also seen the treatment of some old friends by the rabid progressives and have been tempted to intervene, but wisdom prevents me from doing so because they need to age out of it.
[/quote]

“I could stand up for my old friends. But I’m not going to.” Very weak. I don’t know if you’re talking about me or not (I’m not a rabid progressive; I’m more of a left-leaning centrist with my positions on different issues spread across the spectrum, but I’m often perceived as a rabid progressive because of my passionate loathing of both trump and the right-wing propaganda machine). But if you are talking about me, I say bring it. I’d love to see a defense of the (in my opinion) indefensible positions I’ve attacked from somebody who’s actually capable of defending them (if such a person or such a defense exists). I don’t think you can. I think you hide behind what until this week was pretty much the consensus view that you knew what you were talking about (although even that, in retrospect, might’ve been influenced by your undeniable wit and charm) and your wise-old-OG status and you think you can just breezily say, “ah, they’ll age out of it” and everyone will bow to that. It’s bullshit. If you actually have an argument to make to “intervene” on behalf of your friends, then make it. If you don’t, then don’t claim to, or bullshit will be called.
[quote=temeculaguy]
As the old saying goes, “if you are not a socialist by 20 you have no heart but if you are not a conservative by 40 you have no brain.”
[/quote]

A brainless quote if ever there was one. There’s nothing there but the self-congratulation of older conservatives and those conservatives’ disdain of liberals.

[zk]

[quote=temeculaguy]Prediction-Your feelings get hurt……and the rest of us secretly enjoy it.[/quote]

Translation: “I’m a douchebag. And I’m proud enough of that to announce it.”

Also, thinking that trump fans are brainwashed fools and being disgusted by them is not the same as having one’s feelings hurt. The idea that they’re the same is one that’s quite prevalent in right-wing propaganda. How pathetic that you’ve fallen for it.

[zk]

New York City.

Or San Francisco.

I love San Diego. If I had billions of dollars, I wouldn’t move more than a few miles from where I’m at right now.

But, if I had to move…those two other cities are really great for excitement, culture, and liberal values. Tons to do, great culture, always something new to explore. That last one is especially true, of course, in NYC.

Both outrageously expensive, obviously. But you’re an attorney. And you’re brilliant. You could make it happen.

[Author]

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