The "I Hate Creativity" Thread
by HARM
on 24 Feb 2006
44 comments, latest 18 years ago
Dedicated to Mr. "$150K in the bank & 160K/year income" Ha Ha and Bay Area Homeowner... No creative writing, futurism, philosophy, satire, social commentary, jokes (especially about Boomers), puns, ...
HARM
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threads pinned by HARM
authored 4,751 comments and 119 threads
HARM's threads
Jurassic Popsicle
by HARM on 23 Feb 2006 45 comments, latest 18 years ago
A fantastic tale by Kilgore Trout The year is 2450 AD... From its modest start back in 1989, when two Baby Boomer American entrepreneurs formed the Reanimation Foundation of ...
by HARM on 23 Feb 2006 45 comments, latest 18 years ago
A fantastic tale by Kilgore Trout The year is 2450 AD... From its modest start back in 1989, when two Baby Boomer American entrepreneurs formed the Reanimation Foundation of ...
No Bubble, My Bad :-(
by HARM on 15 Feb 2006 89 comments, latest 18 years ago
Bay Area Bubble Bloggers Admit Defeat, Throw in the Towel Copyright © 2006 UnReality Times®. All Rights Reserved. by Leslie Appleton-Young and David Lereah The housing bubble blogosphere today ...
by HARM on 15 Feb 2006 89 comments, latest 18 years ago
Bay Area Bubble Bloggers Admit Defeat, Throw in the Towel Copyright © 2006 UnReality Times®. All Rights Reserved. by Leslie Appleton-Young and David Lereah The housing bubble blogosphere today ...
MBS/CMO data & links, please
by HARM on 9 Feb 2006 21 comments, latest 18 years ago
It's often been stated here and at other RE Bubble blogs (Ben's, Piggingtons, Calculated Risk, etc.) that mortgage derivatives (MBSs & CMOs), while they are originated/issued by the GSEs ...
by HARM on 9 Feb 2006 21 comments, latest 18 years ago
It's often been stated here and at other RE Bubble blogs (Ben's, Piggingtons, Calculated Risk, etc.) that mortgage derivatives (MBSs & CMOs), while they are originated/issued by the GSEs ...
Monopoly MLS Post-Mortem: What Comes Next?
by HARM on 7 Feb 2006 150 comments, latest 18 years ago
Many here have argued that the 6% Realt-Whore commission is doomed, like travel agency commissions of yore. The NAR is already under investigation by the Feds for anti-competitive practices, ...
by HARM on 7 Feb 2006 150 comments, latest 18 years ago
Many here have argued that the 6% Realt-Whore commission is doomed, like travel agency commissions of yore. The NAR is already under investigation by the Feds for anti-competitive practices, ...
OTUS (Other Than U.S.)
by HARM on 18 Jan 2006 28 comments, latest 18 years ago
Naturally, given the name of the site that started everything ("SF Bay Area Housing Crash Continues"), Patrick.net bloggers tend to be rather America-centric in general, and Bay Area-centric in ...
by HARM on 18 Jan 2006 28 comments, latest 18 years ago
Naturally, given the name of the site that started everything ("SF Bay Area Housing Crash Continues"), Patrick.net bloggers tend to be rather America-centric in general, and Bay Area-centric in ...
Santa Barbara Realtors 'Refuse' To Share Data
by HARM on 30 Jan 2006 146 comments, latest 18 years ago
Santa Barbara News-Press http://www.newspress.com/Top/A 4th paragraph: "Over the past several years, the News-Press has obtained sales and median price data for the South Coast from the Santa Barbara Association ...
by HARM on 30 Jan 2006 146 comments, latest 18 years ago
Santa Barbara News-Press http://www.newspress.com/Top/A 4th paragraph: "Over the past several years, the News-Press has obtained sales and median price data for the South Coast from the Santa Barbara Association ...
Conspiracy Theories
by HARM on 6 Jan 2006 56 comments, latest 18 years ago
Yes, we all know the bubble is done for, past the peak, stick a fork in it, dude. Most of us by now have long since accepted this as ...
by HARM on 6 Jan 2006 56 comments, latest 18 years ago
Yes, we all know the bubble is done for, past the peak, stick a fork in it, dude. Most of us by now have long since accepted this as ...
Blog Party Tales
by HARM on 18 Dec 2005 195 comments, latest 18 years ago
Please regale those of us who are "geographically challenged" (or is it "space-time differently abled"?) with your personal stories of the first Blog Party at Mijita's this Saturday. How ...
by HARM on 18 Dec 2005 195 comments, latest 18 years ago
Please regale those of us who are "geographically challenged" (or is it "space-time differently abled"?) with your personal stories of the first Blog Party at Mijita's this Saturday. How ...
"Rummage $ale Chic: Why We're Going Gaga Over Pinching Pennies"
by HARM on 21 Dec 2005 134 comments, latest 18 years ago
I was intensely curious to see how the looming housing crash would play out in the MSM in years to come, so I fired up the ole' Time Machine ...
by HARM on 21 Dec 2005 134 comments, latest 18 years ago
I was intensely curious to see how the looming housing crash would play out in the MSM in years to come, so I fired up the ole' Time Machine ...
Lagging Vs. Leading Implosion Indicators
by HARM on 15 Dec 2005 157 comments, latest 18 years ago
Posted by DinOR in "Blog Party!!!" thread: "While some of the Bulls may find this hard to believe Foreclosures are a “lagging indicatorâ€. Ex post facto. Considering most people ...
by HARM on 15 Dec 2005 157 comments, latest 18 years ago
Posted by DinOR in "Blog Party!!!" thread: "While some of the Bulls may find this hard to believe Foreclosures are a “lagging indicatorâ€. Ex post facto. Considering most people ...
Big Government Libertarians
by HARM on 5 Dec 2005 164 comments, latest 18 years ago
I’ve noticed that lately there have been a lot of big industry players raising Cain over proposals to limit or even eliminate the mortgage interest deduction (http://tinyurl.com/bht2q). These are ...
by HARM on 5 Dec 2005 164 comments, latest 18 years ago
I’ve noticed that lately there have been a lot of big industry players raising Cain over proposals to limit or even eliminate the mortgage interest deduction (http://tinyurl.com/bht2q). These are ...
Jealous Bitter Renters
by HARM on 16 Nov 2005 151 comments, latest 19 years ago
This thread is dedicated to discussion of the many social ills caused by/resulting from renting: depression, homelessness, crime, unemployment, poverty, domestic violence, out of wedlock children, venereal disease, unnatural ...
by HARM on 16 Nov 2005 151 comments, latest 19 years ago
This thread is dedicated to discussion of the many social ills caused by/resulting from renting: depression, homelessness, crime, unemployment, poverty, domestic violence, out of wedlock children, venereal disease, unnatural ...
Post-Bubble Newspeak
by HARM on 9 Nov 2005 193 comments, latest 19 years ago
Excerpts courtesy Ben's site (original article at Inman.com - unfortunately for pay subscribers only: tinyurl.com/accv8) "Empowering phrases keep the real estate sale moving" - Agents find success through word ...
by HARM on 9 Nov 2005 193 comments, latest 19 years ago
Excerpts courtesy Ben's site (original article at Inman.com - unfortunately for pay subscribers only: tinyurl.com/accv8) "Empowering phrases keep the real estate sale moving" - Agents find success through word ...
by HARM on 4 Nov 2005 61 comments, latest 19 years ago
Who are the authors/analyst/bloggers you turn to most often for reliable, relatively bias-free information about Real Estate, economics and/or investing? Have any favorite columns/books/articles? Favorite bubble quotes? Here are ...
Stage 1: Denial
by HARM on 14 Sep 2005 165 comments, latest 19 years ago
"S.D. blazes new trail in housing slowdown" signonsandiego.com: http://tinyurl.com/afg6n The market is giving Teresa Generas the jitters, causing her to pray for somebody to buy her 1931 Mission Revival ...
by HARM on 14 Sep 2005 165 comments, latest 19 years ago
"S.D. blazes new trail in housing slowdown" signonsandiego.com: http://tinyurl.com/afg6n The market is giving Teresa Generas the jitters, causing her to pray for somebody to buy her 1931 Mission Revival ...
Brave New Housing Market
by HARM on 9 Sep 2005 96 comments, latest 19 years ago
Ok, here's a topic for the futurist/creative writer in all of us. We've had numerous bubble anecdote-related threads (Amazing Bubble Stories, Anecdotes, etc.) and threads about the housing market's ...
by HARM on 9 Sep 2005 96 comments, latest 19 years ago
Ok, here's a topic for the futurist/creative writer in all of us. We've had numerous bubble anecdote-related threads (Amazing Bubble Stories, Anecdotes, etc.) and threads about the housing market's ...
Is David Lereah going to Hell?
by HARM on 28 Aug 2005 170 comments, latest 19 years ago
Ok, I know I said I was going into temporary retirement for a few months --and I will... soon... I promise ;-). But every time I think I'm done ...
by HARM on 28 Aug 2005 170 comments, latest 19 years ago
Ok, I know I said I was going into temporary retirement for a few months --and I will... soon... I promise ;-). But every time I think I'm done ...
Appraisal Fraud
by HARM on 26 Aug 2005 40 comments, latest 19 years ago
Intense pressure is being brought to bear on honest appraisers to inflate their estimates by greedy, reckless lenders and Realtors, who just want to close the deal –and damn ...
by HARM on 26 Aug 2005 40 comments, latest 19 years ago
Intense pressure is being brought to bear on honest appraisers to inflate their estimates by greedy, reckless lenders and Realtors, who just want to close the deal –and damn ...
Land Prices & the Property Bubble
by HARM on 25 Aug 2005 126 comments, latest 19 years ago
Per GreenCanopy's request: Several here emphasize housing as an investment, shorn of mystique, a place to put money. While this a simplified picture, it is analysis-friendly. Treating housing as ...
by HARM on 25 Aug 2005 126 comments, latest 19 years ago
Per GreenCanopy's request: Several here emphasize housing as an investment, shorn of mystique, a place to put money. While this a simplified picture, it is analysis-friendly. Treating housing as ...
by HARM on 11 Aug 2005 110 comments, latest 19 years ago
There have often been requests for defining acronyms and RE jargon that not all readers are familiar with. There have also been quite a few gems made up along ...
Lurker's Turn
by HARM on 16 Aug 2005 37 comments, latest 19 years ago
Folks, while I've thoroughly enjoyed my time here as one of the threadmeisters, I'm afraid the time has come for me to step aside --for a while, anyway. I'm ...
by HARM on 16 Aug 2005 37 comments, latest 19 years ago
Folks, while I've thoroughly enjoyed my time here as one of the threadmeisters, I'm afraid the time has come for me to step aside --for a while, anyway. I'm ...
Dream Homes
by HARM on 16 Aug 2005 129 comments, latest 19 years ago
By Request of AntiTroll from Oz: What would be the ideal type of property for the blogsters and what price would you be willing to pay? (This should give ...
by HARM on 16 Aug 2005 129 comments, latest 19 years ago
By Request of AntiTroll from Oz: What would be the ideal type of property for the blogsters and what price would you be willing to pay? (This should give ...
Lessons from Bubbles Past
by HARM on 14 Aug 2005 140 comments, latest 19 years ago
"And the dry years would come and sometimes there would only be seven or eight inches of rain. The land dried up and the grasses headed out miserably a ...
by HARM on 14 Aug 2005 140 comments, latest 19 years ago
"And the dry years would come and sometimes there would only be seven or eight inches of rain. The land dried up and the grasses headed out miserably a ...
On a Personal Note
by HARM on 7 Aug 2005 176 comments, latest 19 years ago
In the course of posting here, many of us come to learn much about each other. In some ways, I've come to view many of the "regulars" here as ...
by HARM on 7 Aug 2005 176 comments, latest 19 years ago
In the course of posting here, many of us come to learn much about each other. In some ways, I've come to view many of the "regulars" here as ...
Bubble Reform
by HARM on 9 Aug 2005 157 comments, latest 19 years ago
So far, most of the threads about the Housing Bubble's aftermath have pretty much stuck to one of two themes: (a) How the crash is likely to play out ...
by HARM on 9 Aug 2005 157 comments, latest 19 years ago
So far, most of the threads about the Housing Bubble's aftermath have pretty much stuck to one of two themes: (a) How the crash is likely to play out ...
Rats Deserting a Sinking Ship?
by HARM on 8 Aug 2005 43 comments, latest 19 years ago
In the past several months, there have been reports all over the financial media about top executives of the major homebuilders (Toll, Pulte, KB, NVR, Lennar, Centex, etc.) selling ...
by HARM on 8 Aug 2005 43 comments, latest 19 years ago
In the past several months, there have been reports all over the financial media about top executives of the major homebuilders (Toll, Pulte, KB, NVR, Lennar, Centex, etc.) selling ...
Boomers & the Bubble
by HARM on 30 Jul 2005 152 comments, latest 19 years ago
The Baby Boomers' impact on the housing bubble has frequently come up in many past threads, for a variety of reasons. Some of the housing bulls have argued that ...
by HARM on 30 Jul 2005 152 comments, latest 19 years ago
The Baby Boomers' impact on the housing bubble has frequently come up in many past threads, for a variety of reasons. Some of the housing bulls have argued that ...
FuckedCounty.com
by HARM on 5 Aug 2005 111 comments, latest 19 years ago
At Peter P's request: A "Dead Pool" for Bubble-infested CA real estate. Initially, I looked at FuckedCompany.com's site and quickly realized that their nuanced system of awarding "points" (for ...
by HARM on 5 Aug 2005 111 comments, latest 19 years ago
At Peter P's request: A "Dead Pool" for Bubble-infested CA real estate. Initially, I looked at FuckedCompany.com's site and quickly realized that their nuanced system of awarding "points" (for ...
Malibu Madness
by HARM on 3 Aug 2005 162 comments, latest 19 years ago
"For sale: Trailer w/ocean vu, $1 million obo " Yahoo News: tinyurl.com/9eh5l So wonderfully Californian, Marsha Weidman's home has it all--along the beach, far from noisy traffic, with a ...
by HARM on 3 Aug 2005 162 comments, latest 19 years ago
"For sale: Trailer w/ocean vu, $1 million obo " Yahoo News: tinyurl.com/9eh5l So wonderfully Californian, Marsha Weidman's home has it all--along the beach, far from noisy traffic, with a ...
RE Roadkill
by HARM on 2 Aug 2005 151 comments, latest 19 years ago
At hymie's request: "So much of the current economy has been dependent on this bubble. So many construction jobs, interior design etc. related to HELOCS, consumer spending in general. ...
by HARM on 2 Aug 2005 151 comments, latest 19 years ago
At hymie's request: "So much of the current economy has been dependent on this bubble. So many construction jobs, interior design etc. related to HELOCS, consumer spending in general. ...
by HARM on 27 Jul 2005 126 comments, latest 19 years ago
This topic is a little off-the-Bubble theme in that it addresses long-term legal/structural changes in California's RE market that have artifically limited housing supply and driven RE prices here ...
One for the Bulls
by HARM on 27 Jul 2005 21 comments, latest 19 years ago
I've often been accused of having a certain contrarian slant in my thread topics (say it isn't so!). Of course this site is very contrarian by virtue of the ...
by HARM on 27 Jul 2005 21 comments, latest 19 years ago
I've often been accused of having a certain contrarian slant in my thread topics (say it isn't so!). Of course this site is very contrarian by virtue of the ...
The China Syndrome
by HARM on 21 Jul 2005 74 comments, latest 19 years ago
So China's decided to let their currency (RMB) appreciate 2% against the dollar. And they've decided to re-peg it to a "basket" of international currency (Euro, Yen, Peso, etc.), ...
by HARM on 21 Jul 2005 74 comments, latest 19 years ago
So China's decided to let their currency (RMB) appreciate 2% against the dollar. And they've decided to re-peg it to a "basket" of international currency (Euro, Yen, Peso, etc.), ...
In Debt We Trust
by HARM on 18 Jul 2005 185 comments, latest 19 years ago
It seems that Americans have become permanently addicted to debt –and not just housing debt, either. The savings rate in the U.S. has now fallen to virtually zero, for ...
by HARM on 18 Jul 2005 185 comments, latest 19 years ago
It seems that Americans have become permanently addicted to debt –and not just housing debt, either. The savings rate in the U.S. has now fallen to virtually zero, for ...
Right Said Fed
by HARM on 20 Jul 2005 122 comments, latest 19 years ago
The Housing Bubble's now official. The jig is up, cat's out of the bag, fat lady has sung. "Mr. Bubbles" himself called it in this morning's testimony before Congress: ...
by HARM on 20 Jul 2005 122 comments, latest 19 years ago
The Housing Bubble's now official. The jig is up, cat's out of the bag, fat lady has sung. "Mr. Bubbles" himself called it in this morning's testimony before Congress: ...
Amazing Bubble Stories!
by HARM on 13 Jul 2005 138 comments, latest 19 years ago
By now, pretty much everyone has their own favorite “crazy Bubble†story, with the possible exception of the Bullish Three ;-). (Perhaps they have a favorite “crazy renter†story?) ...
by HARM on 13 Jul 2005 138 comments, latest 19 years ago
By now, pretty much everyone has their own favorite “crazy Bubble†story, with the possible exception of the Bullish Three ;-). (Perhaps they have a favorite “crazy renter†story?) ...
by HARM on 12 Jul 2005 153 comments, latest 19 years ago
Signs... Everywhere you look, it's possible to see the Signs that something is not quite normal in the housing market today. Depending on where you stand on the Housing ...
by HARM on 8 Jul 2005 141 comments, latest 19 years ago
Are the GSEs (Fannie Mae, Freddie Mac & Ginnie Mae) “too big to fail� From the lender's perspective, in the 35+ years of their collective histories, the GSEs (Government-Sponsored ...
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