by BayArea on 9 Jun 2016 28 comments, latest 8 years ago
Hi guys, I'm looking for some advice on federal school loans and hoping someone here is intimately familiar with the topic. A family member went to med school (3yr ...
BayArea
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BayArea's threads
by BayArea on 9 Jun 2016 28 comments, latest 8 years ago
Hi guys, I'm looking for some advice on federal school loans and hoping someone here is intimately familiar with the topic. A family member went to med school (3yr ...
FHA is a good idea why?
by BayArea on 9 May 2012 20 comments, latest 12 years ago
One of the most glarring contributors to the real estate crash in the USA was individuals having a lack of equity in the homes that they were buying. Why ...
by BayArea on 9 May 2012 20 comments, latest 12 years ago
One of the most glarring contributors to the real estate crash in the USA was individuals having a lack of equity in the homes that they were buying. Why ...
by BayArea on 21 Sep 2016 20 comments, latest 6 years ago
I get a call from my mortgage lender yesterday saying that I have been pre-selected for a refi that can save me money. Already annoyed and ready to hang ...
Car market in 2023
by BayArea on 17 Dec 2022 81 comments, latest 9 months ago
I bought and sold a car in the past month as we upgraded our 5 seater SUV to a 7 seater to accommodate our family. I can confirm that without ...
by BayArea on 17 Dec 2022 81 comments, latest 9 months ago
I bought and sold a car in the past month as we upgraded our 5 seater SUV to a 7 seater to accommodate our family. I can confirm that without ...
by BayArea on 1 Feb 2018 31 comments, latest 5 years ago
Some of you guys might remember that I traveled to several countries in Europe this summer with my wife and 18mo old daughter. I remember vividly that no matter where ...
If you were a terrorist...
by BayArea on 10 Feb 2017 49 comments, latest 7 years ago
Here's where we are: Trump signs executive order on travel ban. Federal courts block it, at least temporarily. Trump can take it to the Supreme Court where he'll have ...
by BayArea on 10 Feb 2017 49 comments, latest 7 years ago
Here's where we are: Trump signs executive order on travel ban. Federal courts block it, at least temporarily. Trump can take it to the Supreme Court where he'll have ...
Snapchat IPO Only Days Away
by BayArea on 25 Feb 2017 31 comments, latest 7 years ago
Patnet, great news: The powerhouse American manufacturing company "Snapchat" is days away from its initial public offering! Oh wait, it's just an app company written by a millennial (who ...
by BayArea on 25 Feb 2017 31 comments, latest 7 years ago
Patnet, great news: The powerhouse American manufacturing company "Snapchat" is days away from its initial public offering! Oh wait, it's just an app company written by a millennial (who ...
Typical rates for a 30yr fixed loan on a 2nd home vs 1st
by BayArea on 2 Nov 2011 14 comments, latest 13 years ago
Hi folks, I just got a pre-approval letter back from my lender who hit me with a 30yr fixed rate that is 1% higher than I was expecting since ...
by BayArea on 2 Nov 2011 14 comments, latest 13 years ago
Hi folks, I just got a pre-approval letter back from my lender who hit me with a 30yr fixed rate that is 1% higher than I was expecting since ...
Why the left is soft on illegal immigration?
by BayArea on 9 Jun 2019 41 comments, latest 5 years ago
I’m trying to wrap my head around the soft stance the left takes on immigration. Which is it?? a.) the left is terrible at math, statistics, economics... they simply don’t ...
by BayArea on 9 Jun 2019 41 comments, latest 5 years ago
I’m trying to wrap my head around the soft stance the left takes on immigration. Which is it?? a.) the left is terrible at math, statistics, economics... they simply don’t ...
My Neighbor is Living the American Financial Dream
by BayArea on 30 Oct 2012 15 comments, latest 11 years ago
Thanks to web-sites like Redfin and Zillow's new foreclosure tracker, it's given curious neighbors like myself some tools to research that suspicious neighbor that doesn't upkeep his house, doing ...
by BayArea on 30 Oct 2012 15 comments, latest 11 years ago
Thanks to web-sites like Redfin and Zillow's new foreclosure tracker, it's given curious neighbors like myself some tools to research that suspicious neighbor that doesn't upkeep his house, doing ...
If you are so smart, why aren’t you rich?
by BayArea on 20 Aug 2018 61 comments, latest 5 years ago
I was thinking about all the friends I have known in my life. The smartest ones, the ones I consider the sharpest, the most clever, highest IQ, are not the ...
by BayArea on 20 Aug 2018 61 comments, latest 5 years ago
I was thinking about all the friends I have known in my life. The smartest ones, the ones I consider the sharpest, the most clever, highest IQ, are not the ...
What anti-Semitic comments did Kanye actually make?
by BayArea on 26 Oct 2022 62 comments, latest 3 months ago
Does anyone know?
by BayArea on 26 Oct 2022 62 comments, latest 3 months ago
Does anyone know?
Patnet: listen to the Robert Malone podcast by Joe Rogan on Spotify
by BayArea on 3 Jan 2022 63 comments, latest 5 months ago
Malone: Banned by twitter Banned by LinkedIn Banned by YouTube
by BayArea on 3 Jan 2022 63 comments, latest 5 months ago
Malone: Banned by twitter Banned by LinkedIn Banned by YouTube
Where to buy marijuana in CA after the new year
by BayArea on 31 Dec 2017 24 comments, latest 6 years ago
#misc https://www.mercurynews.com/20
by BayArea on 31 Dec 2017 24 comments, latest 6 years ago
#misc https://www.mercurynews.com/20
by BayArea on 21 Jun 2016 30 comments, latest 8 years ago
Hi guys, Let's take the following hypothetical scenario that so many of my friends living in the 650 are challenged with: - Young married couple with no kids is ...
Weight Loss
by BayArea on 19 May 2021 63 comments, latest 10 months ago
Hi guys, has anyone here gone on any weight loss journeys? Would love to hear what routine you followed and what worked for you. About a decade ago I dropped ...
by BayArea on 19 May 2021 63 comments, latest 10 months ago
Hi guys, has anyone here gone on any weight loss journeys? Would love to hear what routine you followed and what worked for you. About a decade ago I dropped ...
Rent to Price Ratio (ie. P/E Ratio) in the Bay Area
by BayArea on 24 Oct 2011 23 comments, latest 11 years ago
Hi folks, I'm new to the site and excited to have found a real estate/investing forum that has some ties to the Bay Area as I have struggled with ...
by BayArea on 24 Oct 2011 23 comments, latest 11 years ago
Hi folks, I'm new to the site and excited to have found a real estate/investing forum that has some ties to the Bay Area as I have struggled with ...
The Rapid Rise and Fall of Milo:
by BayArea on 21 Feb 2017 38 comments, latest 7 years ago
I had seen a couple of YouTube videos of this Milo character before the Berkeley protest. I thought he was sharp but too over the top with his political ...
by BayArea on 21 Feb 2017 38 comments, latest 7 years ago
I had seen a couple of YouTube videos of this Milo character before the Berkeley protest. I thought he was sharp but too over the top with his political ...
Free Credit Report and Credit Card Recommendation Please
by BayArea on 27 Jun 2016 17 comments, latest 5 years ago
Hi folks, I need to do a credit check and recall that some credit agencies do offer free annual reports. I'm looking for a recommendation with no gimmicks or ...
by BayArea on 27 Jun 2016 17 comments, latest 5 years ago
Hi folks, I need to do a credit check and recall that some credit agencies do offer free annual reports. I'm looking for a recommendation with no gimmicks or ...
by BayArea on 3 Jan 2017 29 comments, latest 7 years ago
Happy New Year everyone! It's a new year, we are about to have a new (controversial) president, and the stock market is at record levels. Normally, I'm thinking high ...
What sources are there to identify a good real estate agent?
by BayArea on 26 Oct 2011 26 comments, latest 13 years ago
Hi folks, I'm wondering if you have any recommendations on how I may go about finding a good real estate agent in a particular area? As many of you ...
by BayArea on 26 Oct 2011 26 comments, latest 13 years ago
Hi folks, I'm wondering if you have any recommendations on how I may go about finding a good real estate agent in a particular area? As many of you ...
The Homeless Problem Has Been Solved!
by BayArea on 11 Apr 2018 23 comments, latest 6 years ago
http://www.latimes.com/local/l Will Jerry Brown and Nancy Pelosi be the first to take in homeless in their own backyard? I’ve always appreciated Democrat hearts, it’s their brains that are the problem.
by BayArea on 11 Apr 2018 23 comments, latest 6 years ago
http://www.latimes.com/local/l Will Jerry Brown and Nancy Pelosi be the first to take in homeless in their own backyard? I’ve always appreciated Democrat hearts, it’s their brains that are the problem.
RIP Polling Industry
by BayArea on 8 Nov 2016 23 comments, latest 7 years ago
Fuck, how off could you possibly be. RIP Polling industry. I never want to hear from you assholes again.
by BayArea on 8 Nov 2016 23 comments, latest 7 years ago
Fuck, how off could you possibly be. RIP Polling industry. I never want to hear from you assholes again.
Anyone lost close friends since the election?
by BayArea on 30 Aug 2018 36 comments, latest 6 years ago
This past election has really lead people to pick sides on politics and religion in a way I’ve never seen before. I have a couple people in my life who ...
by BayArea on 30 Aug 2018 36 comments, latest 6 years ago
This past election has really lead people to pick sides on politics and religion in a way I’ve never seen before. I have a couple people in my life who ...
Bay Area Gun Stores
by BayArea on 29 Jun 2020 186 comments, latest 4 years ago
Hi guys, Hoping someone can steer me in the right direction. I’m looking to purchase a Glock19. Nobody, I mean nobody has this in stock in the Bay Area! With ...
by BayArea on 29 Jun 2020 186 comments, latest 4 years ago
Hi guys, Hoping someone can steer me in the right direction. I’m looking to purchase a Glock19. Nobody, I mean nobody has this in stock in the Bay Area! With ...
Downtown Burlingame
by BayArea on 7 Jun 2013 12 comments, latest 11 years ago
Hello everyone, Can someone please tell me what in the world is going on in downtown Burlingame? The place looks like a war-zone with the construction trucks everywhere and ...
by BayArea on 7 Jun 2013 12 comments, latest 11 years ago
Hello everyone, Can someone please tell me what in the world is going on in downtown Burlingame? The place looks like a war-zone with the construction trucks everywhere and ...
Has Anyone Here Been Successful with a Loan Modification?
by BayArea on 1 Jun 2012 6 comments, latest 12 years ago
I'm wondering if anyone on patrick.net has had a loan modification with one of the major lenders where the terms of the loan were permanently modified. I'm interested to ...
by BayArea on 1 Jun 2012 6 comments, latest 12 years ago
I'm wondering if anyone on patrick.net has had a loan modification with one of the major lenders where the terms of the loan were permanently modified. I'm interested to ...
Tax Time: File Jointly or Separately?
by BayArea on 29 Jan 2015 7 comments, latest 9 years ago
Hi guys, I got married in Oct of 2014 and beginning my taxes. This will be the first time doing taxes while married. I need to understand what the ...
by BayArea on 29 Jan 2015 7 comments, latest 9 years ago
Hi guys, I got married in Oct of 2014 and beginning my taxes. This will be the first time doing taxes while married. I need to understand what the ...
How common are loans today with less than 20% down?
by BayArea on 6 May 2018 6 comments, latest 6 years ago
After the subprime lending crisis a decade ago, I was under the impression that obtaining financing with less than 20% down was fairly rare these days I recently sold a ...
by BayArea on 6 May 2018 6 comments, latest 6 years ago
After the subprime lending crisis a decade ago, I was under the impression that obtaining financing with less than 20% down was fairly rare these days I recently sold a ...
What high dividend stocks are you currently invested in?
by BayArea on 5 Jan 2019 38 comments, latest 2 years ago
ARLP (coal producer) was a popular one in recent years on patnet, courtesy of Iwog. Although the stock performance has been unimpressive, the 12% dividend has attracted many. What high ...
by BayArea on 5 Jan 2019 38 comments, latest 2 years ago
ARLP (coal producer) was a popular one in recent years on patnet, courtesy of Iwog. Although the stock performance has been unimpressive, the 12% dividend has attracted many. What high ...
Man punches female restaurant worker
by BayArea on 7 Jul 2018 9 comments, latest 6 years ago
https://www.yahoo.com/news/man I think I might know why this didn’t make it to CNN or Wapo...
by BayArea on 7 Jul 2018 9 comments, latest 6 years ago
https://www.yahoo.com/news/man I think I might know why this didn’t make it to CNN or Wapo...
by BayArea on 7 Aug 2019 74 comments, latest 5 years ago
There is a lie that the left and the right can agree on reasonable gun control. Although both sides say so, neither side actually believes this. Fact: The left wants ...
Landlord Stories
by BayArea on 12 May 2022 49 comments, latest a year ago
I have a bunch of them but here goes one. I rented a condo to a 50-something guy that was moving to Oakland (Rockridge) for work from the east coast. ...
by BayArea on 12 May 2022 49 comments, latest a year ago
I have a bunch of them but here goes one. I rented a condo to a 50-something guy that was moving to Oakland (Rockridge) for work from the east coast. ...
“Shut Up and Dribble” is Racist?
by BayArea on 17 Feb 2018 15 comments, latest 6 years ago
http://www.washingtonexaminer. A popular position by sports fans is that athletes focus on sports and avoid dragging politics into the game. When a Fox host echoed that brief, players like Kevin ...
by BayArea on 17 Feb 2018 15 comments, latest 6 years ago
http://www.washingtonexaminer. A popular position by sports fans is that athletes focus on sports and avoid dragging politics into the game. When a Fox host echoed that brief, players like Kevin ...
Prop 60 in CA: Condom use in the porn industry
by BayArea on 27 Oct 2016 23 comments, latest 7 years ago
http://voterguide.sos.ca.gov/e This is seriously a proposition during this election? WTF is wrong with our state??
by BayArea on 27 Oct 2016 23 comments, latest 7 years ago
http://voterguide.sos.ca.gov/e This is seriously a proposition during this election? WTF is wrong with our state??
Implications of Investment Firms Buying Up Low End Real Estate
by BayArea on 1 Dec 2012 21 comments, latest 11 years ago
Hi folks, It's no secret by now that high dollar investment firms have been buying up a significant fraction of low end real estate in the United States. Just ...
by BayArea on 1 Dec 2012 21 comments, latest 11 years ago
Hi folks, It's no secret by now that high dollar investment firms have been buying up a significant fraction of low end real estate in the United States. Just ...
by BayArea on 1 Dec 2018 10 comments, latest 5 years ago
https://www.yahoo.com/lifestyl Boy has our society gotten sensitive. And the best part of the naming error article is that the author misspelled Festejo’s name not once but twice LOL (Fetejo and ...
by BayArea on 17 May 2022 90 comments, latest 2 years ago
I ask because I’ve thrown around the idea of buying an electric vehicle but just not totally sold for the following reasons: - large buy in price commit - road-trip ...
Let's talk taxes, specifically 2nd house rental income taxes (amateur question)
by BayArea on 1 Nov 2011 15 comments, latest 13 years ago
Hi folks, I'm wondering if anyone can shed some light on investment property (2nd home) rental income taxation or provide some effective links that summarize it? Scenerio... I purchase ...
by BayArea on 1 Nov 2011 15 comments, latest 13 years ago
Hi folks, I'm wondering if anyone can shed some light on investment property (2nd home) rental income taxation or provide some effective links that summarize it? Scenerio... I purchase ...
“Racist”
by BayArea on 3 Aug 2019 47 comments, latest 5 years ago
Who would have thought that the word “racist” would be so misused and overused, that’s it’s lost its meaning in our society? It used to be a serious allegation with ...
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by BayArea on 3 Aug 2019 47 comments, latest 5 years ago
Who would have thought that the word “racist” would be so misused and overused, that’s it’s lost its meaning in our society? It used to be a serious allegation with ...
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