http://patrick.net/forum/ Reality Parser http://patrick.net/ en http://patrick.net/forum/?p=1206569 http://patrick.net/forum/?p=1206569#comments Fri, 30 Dec 2011 11:07:21 +0000 Patrick http://patrick.net/?p=1206569 Recent Comments

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• lostand confused says appespome says Hello everyone! Today to discuss the Global Forum for high-quality shoes. You have a forum for high quality shoes???...

]]> http://patrick.net/forum/?p=1224951 http://patrick.net/forum/?p=1224951#comments Mon, 20 May 2013 09:05:14 +0000 retire59 http://patrick.net/?p=1224951 Recent Comments

• E-man says @retire59, Hedge funds and private equities typically buy in the sub $250k market. If you want no competition from these big boys, buy above $300k price range....
• donjumpsuit says Sooner or later, these investors will be paying their employees higher incomes so they can buy their investment properties. The new order....
• APOCALYPSEFUCK is Shostakovich says Assholes, since when are homes for people? They need to get with the program and invest in the hedges that will buy up every last house and RAPE AMERICA for rental loot....

]]> http://patrick.net/forum/?p=1224873 http://patrick.net/forum/?p=1224873#comments Thu, 16 May 2013 20:33:59 +0000 Patrick http://patrick.net/?p=1224873 Recent Comments

• E-man says mell says I am more interested in the question as to why there would be so much demand? @mell, The hedge funds and private equities are not playing this game in the Bay Area, but they are playing it in other markets and the outskirts of the Bay Area. Anyways, these big boys are gambling with OPM. They focus on areas with a 7% cap rate. This is how it works. They buy houses at a 7% CAP rate, paying $100k for a projected net of $7,000 annual cashflow. They hold the asset for 2 years before convert it to a REIT and sell shares to the public at a 5% CAP rate raising $140k ($7,000/0.05). That's $40k return in addition to $14,000 in cashflow over 2 years. That's $54k return on a $100k investment. 54% return in 2 years. Imagine if they can get a 10% cap rate and leverage it at the same time. My friend just borrowed over $1M from Charles Schwab at 2.2% interest rate. I wouldn't be surprised that these big boys can borrow the money at 1% or less. Once you factored in their leverage, the return is way north of 100%. Here is the catch. After they converted it to a REIT and sold it to the stock investors. It's someone else's problem. They already made their money. Let the property management companies and the stock investors worry about the maintenance, etc. It's just a number's game. Cheers. :)...
• adarmiento says mell says I am more interested in the question as to why there would be so much demand? Maybe because it is more economically beneficial to pay for Principal, Interest, Taxes, Insurance, and Maintenance then to pay rent ? Also consider the benefit of the mortgage deduction....
• deepcgi says Retire59: Good renters are rare. Landlords love them. I get great rent because I have an impeccable record. Back in Seattle in 2005 - 2008 I had to begin giving my potential landlords applications, because statistically bankrupt multi-home owning housing flippers were everywhere. I refused to rent from some lowlife landlord who would panic mid-lease when he had to sell because of liquidity issues. I wanted to rent from someone stable. In Redmond, WA at the height of the bubble, the quality of renters sucked so badly that before I signed my last lease up there, my landlord took my wife and I out for steak and lobster and offered to lower the rent 50 bucks if I'd sign for another year. My current landlord (and every landlord i've had for the past 20 years reacts the same way), they could EASILY rent this 3000 sq ft place for 700 dollars more per month right now, but they renewed at the same rate we signed up with 3.5 years ago, because they know the renters are rock solid (and in fact richer than they are). Regarding retirement...number 1, if you plan to buy, I would say don't live in Texas. The property taxes are so high here that unless you are well over 65, expect to pay 5000 - 8000 a year just for that. If you own your home outright, you'll be paying out 1000 per month minimum with taxes, insurance, utilities and maintenance. Retire somewhere out of California where the property taxes are equally as low but the income taxes may be higher. Then you'll rest at night knowing that the one's still working are paying all of the taxes and not the retired property owners. If you wish to rent through retirement, let the landlords in on your stability, financial standing, and high quality care of property. The rents will come down. They always, always, always do. I have not paid an ad posted rental rate in 20 years....

]]> http://patrick.net/forum/?p=1224974 http://patrick.net/forum/?p=1224974#comments Mon, 20 May 2013 20:48:02 +0000 Bubbabear http://patrick.net/?p=1224974 Recent Comments

• Bubbabear says http://www.youtube.com/watch?feature=player_embedded&v=GcxmAunB4Ck#!...
• adarmiento says Drudge Report is hated by mainstream media. Also, check out RT.com. Russian TV (RT) is broadcast over airwaves in many towns and cities. Granted, it is owned by the Russian government and has a pro-Russian genre, but it gives another perspective. Just have to filter some of its bias to get another view of the news. That is why I like for the most part to watch PBS News Hour and Fox News. I don't watch MSNBC....

]]> http://patrick.net/forum/?p=1224954 http://patrick.net/forum/?p=1224954#comments Mon, 20 May 2013 09:37:45 +0000 iwog http://patrick.net/?p=1224954 Recent Comments

• Mark D says Call it Crazy says iwog says In its analysis, TransUnion adjusted the calculation of mortgage delinquency to exclude those borrowers who are more than 180 days past due on their mortgage payment. Well, I guess if you cherry pick the data, you can make it come out any way you want..... ...
• Papercut says Headline re-write: Strategic defaults no longer strategic, but moral hazard still in play....
• E-man says magman says sheer hogwash seniors who own homes and are facing higher homeowner expenses in the guise of taxes special assessments........anyone who buys ahouse deserves to be f___K"d magman, To address your 2 comments above: 1) It's because you don't live in CA, where your property tax would have been really low had you bought years ago. 2) At your age, your house should have been paid off long time ago. It's not the system fault that you still have a mortgage. Also, it's unfortunate that your kids are not helping you out when you're struggling....

]]> http://patrick.net/forum/?p=1224917 http://patrick.net/forum/?p=1224917#comments Sun, 19 May 2013 07:03:06 +0000 lostand confused http://patrick.net/?p=1224917 Recent Comments

• danalyst says So, my next question for those who saw the 2007 crash coming is: what happened that changed your view towards the market?...
• iwog says Mobi says Logically, there is nothing wrong with this arguement when it leads to a debt saturation and then deflaiton collapse (instead of a currency collapse). 2008 is an example when USD strengthens and the housing prices collapse. That is exactly the opposite of what I am talking about and what most people are talking about when they claim the fed is printing our way to prosperity. That would be the result of a stronger currency, not a currency collapse. It's another reason why the fed will always fight deflation with every resource it has available....
• Facebooksux says iwog says Facebooksux says By definition, this makes you a slumlord. Nope, looks like you're wrong. Illiterate people such as yourself should refrain from defining words. http://en.wikipedia.org/wiki/Slumlord How can I be illiterate when I'm posting such a witty repartee??...

]]> http://patrick.net/forum/?p=1224808 http://patrick.net/forum/?p=1224808#comments Tue, 14 May 2013 21:36:37 +0000 FunTime http://patrick.net/?p=1224808 Recent Comments

• FunTime says fedwatcher says In this housing crisis only the little guy goes to jail. Or almost nobody....
• fedwatcher says Unfortunately if law was followed, the existence of MERS and the MBS market would invalidate most mortgages. I am not saying that the borrower does not owe the money, rather that MERS created a situation where the note became separated from the property. Many mortgages should be considered as unsecured debts that any bankruptcy judge can discharge. This is a minor problem in states that have non-judicial foreclosure, but still a problem where these states are owed many billions for non-payment of recording fees. In other states, "fraud upon the court" via Robosigners should have caused many thousand year felony sentances imposed upon bankers. In this housing crisis only the little guy goes to jail....
• New Renter says Henry the Investor says Are Americans willing to go back to paying all cash? I certainly am if the prices make sense....

]]> http://patrick.net/forum/?p=1224774 http://patrick.net/forum/?p=1224774#comments Tue, 14 May 2013 11:20:28 +0000 donjumpsuit http://patrick.net/?p=1224774 Recent Comments

• Homeboy says mell says Check out this (expert) debate between Vrain and Horgen if you are really interested, it will give you more insight and you can then form (or keep) your own opinion: I am interested, but I feel that I wasted my time reading that. Vrain cites the same flawed and totally discredited "studies" that you and the other anti-GMO zealots have already talked about ad nauseam on this forum. Then he admits that nobody has ever gotten sick from eating GMO food, but makes the ridiculous argument: "it sure adds up, and we did not know that in the 1950s before we started our wave of epidemics of cancer." I'm sorry, but he is not being scientific in the least. Is he trying to say that GMO food has caused a cancer epidemic starting in the 1960s? Where's the evidence? It honestly seems to me that you have a pre-ordained conclusion and you are just cherry-picking whatever bits and pieces you can find on the internet that seem to fit what you have already decided in your mind....
• mell says Check out this (expert) debate between Vrain and Horgen if you are really interested, it will give you more insight and you can then form (or keep) your own opinion: https://www.facebook.com/permalink.php?id=252908071394905&story_fbid=567786546573721#_=_...
• Homeboy says mell says It carries greater risks and unknowns. The principle of familiarity which means that selective breeding can only work in organisms close enough to each other, so for example you won't have any luck selectively breeding/crossing species, e.g. animals or insects with plants, but it has been done in the labs. I haven't heard of this "principle of familiarity". There is a "familiarity principle" in psychology, but that doesn't pertain to genetics. Perhaps you could explain to us what makes this "principle of familiarity" valid. I'm not sure what this "close enough to each other" concept is supposed to mean. Quite obviously, humans have succeeded in cross-breeding species that do not breed together in nature. We have done this for thousands of years. Most of the food we eat is a result of this process. We have already interfered with whatever evolution would have occurred were humans not present on the earth. Your objection seems merely to be that this is a "different" method of changing genetics. I'm still not seeing any scientific basis for your fear. How is a random gene mutation inherently less "risky" than a carefully selected gene insertion?...

]]> http://patrick.net/forum/?p=1224940 http://patrick.net/forum/?p=1224940#comments Sun, 19 May 2013 21:46:16 +0000 marcus http://patrick.net/?p=1224940 Recent Comments

• mell says marcus says Bap33 says DEMONcrats Weak. How about Retardlicans ? Can't we all just get along ? Sure, especially since they are mostly interchangeable....
• marcus says Bap33 says DEMONcrats Weak. How about Retardlicans ? Can't we all just get along ?...
• marcus says Bap33 says the removal of all invaders and their spawn, and repatriotizing of all southern border invaders. Obama has done better with the borders than his predecessors. But you're out of touch Bap. Soon you'll have to find a new party, because the republicans are going to endorse a reasonable "path to citizenship." Sadly they're doing it for political reasons rather than because it's the right thing to do, or because it's good for us for many reasons, including economic, especially in the long term....

]]> http://patrick.net/forum/?p=1224973 http://patrick.net/forum/?p=1224973#comments Mon, 20 May 2013 20:13:13 +0000 Call it Crazy http://patrick.net/?p=1224973 Recent Comments

• SFace says You can't get a hit without stepping up to the plate and take the at bat. Failure is part of success....
• iwog says Even more surprising, people aren't listening to Republican retards anymore. Whoops!! Numbers movin the wrong way!!! I guess we'll keep pushing fake scandals and see where it gets us!...

]]> http://patrick.net/forum/?p=1224930 http://patrick.net/forum/?p=1224930#comments Sun, 19 May 2013 14:38:03 +0000 Patrick http://patrick.net/?p=1224930 Recent Comments

• JodyChunder says jvolstad says (I love Souper Salad for lunch) No salad... ...
• adarmiento says JodyChunder says I bet our beloved Mr. Killelea buys within the next 24 months. Pat, do you care to chime in on this one ?...
• robertoaribas says Call it Crazy says Give me a number, what's 40% (amount underwater) of the total Phoenix housing market? Do you think these people might want to sell and move up if they could without losing money?? Hey I guess you are right! Home prices can't go up with that many underwater! I should never have bought 922 s acorn for $42K... http://www.zillow.com/homedetails/922-S-Acorn-Ave-Tempe-AZ-85281/7610196_zpid/ oh snap! zestimate of $138K today?? look at that graph! I must have been lucky to buy at the exact mathematical bottom!!! Couldn't be that I just have real estate markets figured out so much better than yoU!...

]]> http://patrick.net/forum/?p=1224970 http://patrick.net/forum/?p=1224970#comments Mon, 20 May 2013 17:59:49 +0000 tovarichpeter http://patrick.net/?p=1224970 Recent Comments

• Straw Man says In good old days dental services were provided in barber shops by barbers. So why not now in California?...
• Meccos says Next story...Dental receptionists can cuts dental costs to 1/4th of the costs by providing basic services, which they have learned by watching thousands of procedures being done by dentists... So why not in California?...

]]> http://patrick.net/forum/?p=1224975 http://patrick.net/forum/?p=1224975#comments Mon, 20 May 2013 21:02:39 +0000 tvgnus http://patrick.net/?p=1224975 Recent Comments

]]> http://patrick.net/forum/?p=1224963 http://patrick.net/forum/?p=1224963#comments Mon, 20 May 2013 13:18:58 +0000 John Bailo http://patrick.net/?p=1224963 Recent Comments

• adarmiento says John Bailo says This year we have made the final transition from a meritocracy to a lottery society. I read a NY Times article about venture capital in Silicon Valley recently. It spoke of a online t-shirt company getting a few million dollars from a VC. The way money is being invested it makes me wonder the state of the country's collective mental well being. And I won't start on H1-B visas and illegal immigration along with public outcry about how terrible the job market is....
• mell says Michael Cooke says "engineers struggle to build life changing nanotechnology at $88,000 a year" Are you implying $88,000.00 is a low salary? For the bay area it is low. It's ok if you're single and not addicted to debt or consumerism, but throw in a girlfriend/wife or even a baby and you may barely get by. You may need to start flipping houses to supply your salary ;)...
• Michael Cooke says "engineers struggle to build life changing nanotechnology at $88,000 a year" Are you implying $88,000.00 is a low salary?...

]]> http://patrick.net/forum/?p=1224512 http://patrick.net/forum/?p=1224512#comments Mon, 06 May 2013 07:02:49 +0000 zzyzzx http://patrick.net/?p=1224512 Recent Comments

• elliemae says Funny, tho...
• curious2 says The Atlantic Wire reported on this hilarious satire two weeks ago, apparently it fooled The Drudge Report....
• Dan8267 says zzyzzx says Anyone bother to check the source? It's satire! Fair enough. But had it actually happened, I'd be a-okay with it. The fact that it's satire does have one hugely important consequence though. Bloomberg isn't shown to be the asshole that the article makes him out to be. Still, this thread shows how some people like to blame "liberals" for everything including things that go completely against liberal philosophy....

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