patrick.net

yup1 says

Of course you bitch and moan about me giving you shit for being robertos bitch, but when given the opportunity to just ignore me and I will not post anything about you, you choose to continue being roberto's bitch.

No, I continue to point out the stupidity of your remarks and the fact you have constantly been shown to be wrong in virtually every real estate argument you have had on here. You are just a pro at being in the wrong. Presumably that is why you have resorted to your constant insults.

yup1 says

Bigsby says

Your constant blow job remarks are cock remarks, or are you from a planet where

those two things are not the same?

No comment necessary!

More like you haven't got anything of worth to say.

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where
those two things are not the same?

I am sure my wife agrees with your point of view, ROFL.

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where
those two things are not the same?

Earth to BlowJobBigsby, a C**K and a blowjob are not the same thing, EVER.

I think even roberto would agree lol

yup1 says

Bigsby says

FFS, I don't have to search anything. You were making them in this thread

along with your usual bitch remarks. Give me fucking strength.

If I did, Link it Bitch! I have not used the term.

Every time you make one of your stupid blow job type remarks it's a cock related comment or do you think it relates to vaginas? Seriously, you really are a sad little individual playing these stupid little games and no mistake.

yup1 says

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where

those two things are not the same?

Earth to BlowJobBigsby, a C**K and a blowjob are not the same thing, EVER.

I think even roberto would agree lol

I didn't say they were the same thing you idiot. Cock/cock comment. See the difference?

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where
those two things are not the same?

What planet are you from a C**K is not a blowjob.

Bigsby says

I didn't say they were the same thing you idiot.

Bigsby says

or are you from a planet where those two things are not the same?

Really?

yup1 says

Bigsby says

I didn't say they were the same thing you idiot.

Bigsby says

or are you from a planet where those two things are not the same?

Really?

See the above post and try again.

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where
those two things are not the same?

You said it, try again.

yup1 says

Bigsby says

Your constant blow job remarks are cock comments, or are you from a planet where

those two things are not the same?

You said it, try again.

I think you need to read it again and think about what was being said because you seem to be struggling as usual.

robertoaribas says

yup1 says

I find Rob really attractive, that is why I post about his c**k...

Yup1, you really should go see a good psychologist... does your company have someone you can talk to?

I agree. Someone who thinks a fat, balding, old man with a bestiality fetish like Roberto is attractive obviously has some serious mental issues.

robertoaribas says

No,

Again, I have warned you about my family. You don't listen.

That is your problem, you don't listen. You don't read.

You got lucky, won't admit that, and don't know what I said about the price of housing.

I'll say again, the tax credit, then Quantatative Easing pushed up the price of hoiusing. Low monthly payments don't translate into value.

Sell professor, while you still have the equity.

Oh yeah, 2010, to 2013 in the big scheme of Real Estate is nothing.

robertoaribas says

I will avoid them.

But then you didn't.

Let's tell the nice people here what you are upset about.

You cyber stalked me so you already know the story.

My wife, who is educated in accounting in Peru, came here to the United States.

So she had limited choices here in the United States, as an immigrant. Her degree had no bearing here in the United States.

I gave her a choice of any business she wanted, and she chose house cleaning for a wide variety of reasons.

So, when I say I make more money than you, which I do, by different methods, you know I also mean she makes more money than you, with her business, the numbers of which I have already shared with you.

She came her with nothing, no degree, didn't speak English, or drive a car, and now makes money, her family, meaning brother, and sister, also make money, as you well know.

You, who doesn't listen, spent years in college, being a good boy, saving your nickles, and one day you hit a big score, by luck.

Now you want me to be impressed, but I'm not.

Do you want to tell the story of how I met my wife, or shall I?

As you know I had a one year contract in a hotel here in Seattle. The owner either wanted to sell, or refinance. The place needed a lot of work which I helped direct, opened a restaurant in the hotel, and found a buyer.

In the mean time I met a woman from Peru, who had a sister who was visiting. I took her to my church which has a Spanish Mass. She left a few days later, and I didn't give it much thought.

She returned about six months later, during her stay with her sister, I went to Peru, to travel. When I came back I had a keen interest in Peru, and my future wife.

She's great, her family is great, but I wasn't paying for nothing.

I started her in business, but that was it. She built the business by referral. I took over advertizing with the domain name Seattle House Cleaning dot com, in about 2007, when I was done selling off my properties.

So, professor, my wife who deserves your respect, has brought her entire family here, and they all make more money than you.

You are like thousands of Americans who look down on immigrants because you had chances they didn't get.

You want to be a big shot with me, but I'm a guy who makes money by doing deals. I've been doing deals since 1978.

Been there done that, but leave my family alone. Leave my wife alone.

Did you really imply that my family has BO?

What a maroon.

David Losh says

Low monthly payments don't translate into value.

If you really believe that, then you need to go back to school. Low payments most definitely equal value.

robertoaribas says

you don't know how much I make,

professor, that is all you talk about between insults.

robertoaribas says

The name Roberto Armando Ribas

I'm well aware professor, by the way we had our children born in Spain, I like Spain a lot, and had planned to retire there, that was the original plan, but the economy changed.

I like Tangiers, but would have liked to live in Spain.

What many people don't like about me is that as unintelligent, and uneducated as I am, I do pretty much whatever I want, whenever I want, and always have.

I worked in construction, had my own business since I was 19, had a partner, and his mom did our books.

I play chess, and my economics professor, who was interested in Real Estate invited me to play a game of chess. He had questions, lots of them before he asked how much I made. I was making $24K a year the same as him, in 1973.

My impression is that he thought that was good money for a student to make.

I worked a lot with Real Estate investors, and developers to a lesser degree. We also did high end home refurbishing.

In 1982, we finished three condo projects for developers, we literally finished them out. They were all in serious bank loan trouble, and we worked directly with the banks to get paid. The developers did step up until we got towards the end, and they were getting out of trouble.

That was when I started working as a Real Estate agent apprentice for a great company here in Seattle, Advance Properties. The owner is a builder developer, but also ran a residential Brokerage. He sold sold the Brokerage long after I left to a guy who ran it into the ground, another retired CEO of some place who thought Real Estate was easy.

I bought a sport coat, some slip on loafers, and started showing properties for another agent. I think my license was ready to go in 1984, but I don't really remember.

By then my income was $24K a year from investments, plus I had commissions if I chose. Our house was paid off in like 1986? So life was sweet.

Was that good? because I kind of thought it was, for working part time, and donating most of my time to charity, specifically, working with Peopel with AIDS since 1980 as a patient advocate.

Oh, I forgot that we invested heavily in Genetic Systems, a bio tech company that went up like 100% when it was all traded out, split, and whatever those people do.

Then, as you know, I left that, and the fiance, with everything to buy a restaurant that was my listing, no one wanted, told me it was worthless, but I turned it into one of the best places in Seattle within three years. It's still there, I sold to a guy I like.

You came here to this country to make your own way to a better life, then you end up like this.

You, and many guys, and it is usually the blow hard guys, who lord around, like you made it baby, give our community a bad name.

So you are right, every one will tell you you are right, I'm unintelligent, uneducated, and I make a lot of money in Real Estate.

That's the way it used to be. Anyone could make money in Real Estate, but the realities of the market have changed.

You don't see it, you don't learn, you don't read, so you create your own fantasies.

Like about my businesses, they are successful, very successful, and I don't mind sharing.

My brother, and sister in law took over our original business in 2005 to have thier own company. We started the Seattle House Cleaning when they were all set up. I did retain the company names.

Everyone who works with us is on the path to citizenship, which you know is a hard road, and it was a learning curve for me. We have a great immigration attorney.

The business I'm setting up now will be for another gentleman. It's a business he will retain, but it compliments our other businesses.

It's all about you contribution to your family, and community, right professor?

Now for your last bit of ridiculous nonsense, my personal Real Estate business, and holdings are being liquidated. It's the smart move to make.

I am deleveraging, as you know, because I have been very clear about that. I don't intend to take on more debt than makes sense.

The problem today is cash investors looking for a return. Like with my primary residence loan, I called the investor who held my loan, and offered him $350K on a $500K Note. He sold to Douche Bank of Germany instead.

I make offers on debt every week. People either settle or don't get paid until they go to the expense of litigation. Most people are settling.

It's hard to deleverage $1Million in bebt, but doable.

To recap, I make money, and give money away. We pay extremely well from what I'm told, and it is pretty easy to make a good deal for every one, where every one wins.

People can win with me or fight, those that fight lose. I am a brutal negotiator. I'm negotiating with banks, so don't get that confused again either.

You are projecting your own fabricated fantasy here about me for reasons I think I understand, but find morally offensive.

You should think more, before you write.

SubOink says

At this point - you got bottled water - its worth $3.50 a bottle whether its really worth it or not. That's what you can get for it in the free market - that's what its worth.

This is just a very un-nuanced and specious argument. I'll get down in the grain on it if you really want, but I honestly, I have a feeling you're smart enough already to understand why it's bullshit.

robertoaribas says

so, your business plan is to stiff anyone stupid enough to loan you money.

You know banks make loans to people, every one, like in terms of credit cards who in 2008 were charging 28% interest.

I call that theft by deception.

Now professor, think about the stories I just shared with you.

Does my situation seem complicated? Well, you would be right, it is.

Has it ever occurred to you that some one may think your comments to me could constitute a liability? Because I really resent your implications about things you know to be untrue, but you continue to present them as facts.

robertoaribas says

Very successful, indeed.

You have no grasp on what success is. You demonstrate that daily.

David Losh says

You know banks make loans to people, every one, like in terms of credit cards who in 2008 were charging 28% interest.

I call that theft by deception.

That's not theft by deception. They clearly state the interest rates. If you take the card and are late on your payments, then how about you take responsibility for it? If the rates are too much for you, then don't get a credit card in the first place.

robertoaribas says

I guess we have different views of success.

My view: investments that pay me money, and go up in value.

your view:

1. not paying your debts, and blaming it on the banks.

2. getting IRS tax liens filed against yourself

3. suing and getting sued by people, per your own quote.

4. cleaning homes for $30 an hour.

As a final note, I occasionally hire companies to clean my rentals. So someone like you, works for someone like me. I know which side of htat transaction I prefer to be on.

Don't you think this pissing match has run its course?

Bigsby says

Don't you think this pissing match has run its course?

Guess not.

Prices continue to go up and the jealous haters continue to hate. I bet some hater punched his screen when he saw the title of this post, "case shiller up 8.1%". The appraisal estimate on my place increased another 5k in just one week. High end is 115k. Not bad for a 43.5k investment that was made less than 14 months ago. Who wants to kiss the ring? :D

robertoaribas says

2. getting IRS tax liens filed against yourself

OK professor, just to make you happy, I'll go in and make a deal to have the tax lein removed.

The banksters I'm still thinking about, but every one of them has an offer from me on the table. The ones who go to court get less, but I will think about the poor banksters you are so concerned about.

and your last point, hmmmm, let's see, would I be the guy getting paid, or paying?

postbubblesucess says

Prices continue to go up and the jealous haters continue to hate.

We are two weeks away from getting a house on the market, It's a good time to sell before everyone catches on.

Bigsby says

If you take the card and are late on your payments, then how about you take responsibility for it? If the rates are too much for you, then don't get a credit card in the first place.

It's not exactly what I'd call a stretch to suggest that economic volatility and consumer credit are two sides of the same coin, minted by the same tin gods who helped pull the chain on the American economy four years ago. I know if I was in the business of issuing consumer credit at usurious rates, it would sure help a lot if I had some venal lapdogs in the legislative branch that could help me engineer a playing field where such credit would be all but impossible for the middle class to live without.

JodyChunder says

I know if I was in the business of issuing consumer credit at usurious rates, it would sure help a lot if I had some venal lapdogs in the legislative branch that could help me engineer a playing field where such credit would be all but impossible for the middle class to live without.

It's a business model. You know what you are getting into when you sign up. That isn't deception.

Bigsby says

You know what you are getting into when you sign up. That isn't deception.

I know what most people are trying to get OUT of when they sign up: financial hardship. And I don't think it's a happy accident that the same fuckheads who are issuing this usurious credit to the working poor in America are the same financial institutions that helped gut the economy. You call that a business model; I call it engineering desperation.

JodyChunder says

I know you what most people are trying to get OUT of when they sign up: financial hardship. And I don't think it's a happy accident that the same fuckheads who are issuing this usurious credit to the working poor in America are the same financial institutions that helped gut the economy. You call that a business model; I call it engineering desperation.

Pretty much every adult has a credit card. I'd say the majority of them got one because it's convenient. If you spend more than you earn, then somewhere along the line you have to face the consequences of it. Banks do charge too much for credit cards, but they are always going to charge more than normal rates because of the costs involved and the fact a lot of the loaned money is interest free. And again, my point was that it isn't deception when the terms are clearly laid out for you. You might be deceiving yourself, but the bank isn't deceiving you.

Bigsby says

Pretty much every adult has a credit card. I'd say the majority of them got one because it's convenient.

Maybe the kids play differently on your side of the street there where you live, but I'd say the majority of credit card holders I know have them because it is either next-to-impossible to transact these days without one, or because they needed a little help from a fiend.

Bigsby says

And again, my point was that it isn't deception when the terms are clearly laid out for you.

I rate usury and predatory lending far higher on the scrotum pole of evil than deception; but while we're on the subject, there was a documentary a few years back entitled Maxed Out that included some illuminating if decidedly reticent testimony by one of the masterminds who made his living drafting some of the more impenetrable small print for credit card companies like Chase. If it wasn't the text book definition of deception, then it was close enough for jazz.

JodyChunder says

Maybe the kids play differently on your side of the street there where you live, but I'd say the majority of credit card holders I know have them because it is either next-to-impossible to transact these days without one, or because they needed a little help from a fiend.

And hence it is convenient and so people have them.

JodyChunder says

I rate usury and predatory lending far higher on the scrotum pole of evil than deception; but even this idea is not really true. There was a documentary a few years back entitled Maxed Out that included some illuminating if decidedly reticent testimony by one of the masterminds who made his living drafting some of the more impenetrable small print for credit card companies like Chase. If it wasn't the text book definition of deception, then it was close enough for jazz.

Go and get a pay day loan and tell me what interest rates they are charging without a free month thrown in. Again, credit card charges are excessive but they aren't deceptive (at least if you actually take the time to read the conditions). If you take out a credit card in the UK, then the charge is 17.9% APR for say a LloydsTSB card - a major bank. It may not be a low rate, but it is hardly usury.
Now, I have a problem with their practices for keeping 'good' customers on the hook by extending their credit or offering them additional cards, most particularly when they clearly know the income and the debt and the two don't line up, but somewhere along the line an individual has to take responsibility for their financial decisions. Clear cases of wrong-headed credit extensions are covered under UK regulations and in such cases, British citizens can have the debts cleared. I don't know the system in the US. Perhaps you could tell me.

Bigsby says

And hence it is convenient and so people have them.

Well, sure, if by convenient you mean it's convenient not to be dispossessed by a setback or series of setbacks; setbacks likely directly linked to, or at least exacerbated by the very same too-big- to-fail banks that issue these cards in the first place. What I'm attempting to illustrate here is that credit cards are accepted by most people as a basic necessity today, but marketed as a convenience. It's convenient not to starve, yes. But never mind all that. Try renting a car without one (or ATM card with Visa/MC logo). I'm not even sure it can be done. If it can, it's probably more than inconvenient. I also know certain retail concerns won't even deal with cash transactions at all.

Bigsby says

...somewhere along the line an individual has to take responsibility for their financial decisions.

Of course, I agree -- I'm merely challenging the popular perception that credit card abuse is mostly the result of reckless consumers who should be reading the small print closer and better living within their means. I think it's more to do with desperation.

JodyChunder says

I think it's more to do with desperation.

For some I'm sure. For others, it's just reckless expenditure on things they neither need nor can afford.

with print as fine as the eye can't see, I doubt it....

Bigsby says

JodyChunder says

I know if I was in the business of issuing consumer credit at usurious rates, it would sure help a lot if I had some venal lapdogs in the legislative branch that could help me engineer a playing field where such credit would be all but impossible for the middle class to live without.

It's a business model. You know what you are getting into when you sign up. That isn't deception.

SoftShell says

with print as fine as the eye can't see, I doubt it....

It's a credit card. It's not exactly the most complex of arrangements.

Actually, if you equip yourself with a magnifying glass and lawyer, it can be broken down plain and simple. So I guess you are right after all......

Bigsby says

SoftShell says

with print as fine as the eye can't see, I doubt it....

It's a credit card. It's not exactly the most complex of arrangements.

SoftShell says

Actually, if you equip yourself with a magnifying glass and lawyer, it can be broken down plain and simple. So I guess you are right after all......

Have you found the use of one problematic?

for you high fallutin ritzy fucks it's no problem. For the commoner, a lawyer at $ 500/hr is untenable. Especially if you need a credit card to pay....
Bigsby says

SoftShell says

Actually, if you equip yourself with a magnifying glass and lawyer, it can be broken down plain and simple. So I guess you are right after all......

Have you found the use of one problematic?

JodyChunder says

I think it's more to do with desperation.

I agree with that, but in our case it isn't.

Bigsby says

It's a credit card. It's not exactly the most complex of arrangements.

Before 2007 I never thought about credit cards. My wives have, my second, and current wife, but I have had my Sears Card, and Nordstrom, and Home Depot.

My second wife poured over the statements, got deals on travel, which I found ridiculous, and would argue with the issuer about fees she would find.

My current wife had twelve "special deal" cards from a variety of venders we have for the business.

The problem started with my Home Dopie card. I paid it off with the sale of a house.

I had closed the Citi Bank account when it was paid, but never checked the account again.

Evidently we had paid it off on a Tuesday before the cut off date of the due date on the account so there was an account balance of like $6.

Citi Bank has a policy of not sending statements on a closed account. I discovered the penalties, and interest when some collection department called.

We were selling properties to pay off debt. The funny thing was, and it is really kind of funny, is that when you close a credit card account it is your responsibilty to ensure it is closed, and stays closed.

Did you know that? That when you close an account the issuer doesn't have to close the account, or send you a statement? It's your responsibility to check your credit report to make sure you have that account closed.

It just became a game that I didn't want to play, or was inclined to pay.

We don't need credit cards. We make enough to pay everything we need, and always have.

So, for the banksters I have agreed to pay what is owed according to my accounting which deducts interest, and penalties. I agree they can keep what they got up to certain point but that's it.

Banks don't like my terms, some times, but most have taken payments with no interest.

Cool story bro.

SoftShell says

for you high fallutin ritzy fucks it's no problem. For the commoner, a lawyer at $ 500/hr is untenable. Especially if you need a credit card to pay....

Bigsby says

SoftShell says

Actually, if you equip yourself with a magnifying glass and lawyer, it can be broken down plain and simple. So I guess you are right after all......

Have you found the use of one problematic?

I was talking about a credit card.