jon
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How much of your skin is on the line? Do you anticipate that a culture of "Walking Away" will hurt your bottom line, or are you just a citizen concerned by the moral decline of our civilization? My apologies if my remarks seem harsh, they are…
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I would not feel morally obliged to stay in that house until it was paid off. In non-recourse states, this is exactly the terms lenders agreed to, regardless of how they wrote the contract. If it was truly a lease with option to buy, then why…
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Suppose your parents lent you the cash to buy a house 100%, and per IRS regulations wrote that up in a document where you promise to repay, so that it is not taxed as a gift. The house price drops and you walk away. Is that ethical? How about the le…
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Not one word in a contract has an ethical meaning. They all have legal meanings. A contract is not an "ethics" document. That is why it is in writing. Now a Handshake is different. It depends on ethics INSTEAD OF a contract. Sometimes the …
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. I prefer the advise in the Bible: "let your yes be yes, and your no be no". If you have to promise, it implies that if you don't promise, you don't really mean it. I replace the word "promise" with the word "agree" (in my mind). If you say …
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The common usage of the word "promise" means you are giving your word as a person that you will do something, with the understanding that promises are only broken for unanticipated reasons outside the control of the person making the promise. If som…
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If you take a job, you may be asked to sign a corporate policy statement that says if you steal something from the company, you will be fired. Does that make it ethical to steal, because you are simply accepted the terms of the contract by getting f…
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Many people feel an ethical obligation to make appropriate financial decisions to better take care of their familes and their financial future. If that means letting go of a home which has a negative financial outlook, then there is nothing wrong wi…
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I checked my mortgage, and it says "I promise to pay X with interest to the Lender." So ethically, you are breaking a promise if you walk away, especially so if you have the means at your disposal to keep that promise.
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There are 9,348 houses and condos in 98008, and 190 are for sale, or 1 in every 49. For King County overall it there are 425,451 and 12738 for sale, or 1 in every 33. Seems like 98008 still has a way to go to have the same ratio for sale as th…
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Better to raise the minimum wage until the lowest-paid but necessary workers can comfortably afford to rent a basic place. And then all those who people are not skilled enough to get a job at whatever salary you deem a basic human necessity, …
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The problem with going to Tennessee to take advantage of telecommuting is that you never know when they will prefer someone who is telecommuting from India. The jobs that will remain in the US are the ones that require face time, and that is why I t…
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It just takes longer because the move-up buyers have to first disappear because they give up selling their lower-end homes. High-end typically have more patience and are slower to cut as well. High end homes in LA didn't go up nearly as high …
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garth, thanks for the correction about Bellevue. When i moved into the area I was mostly focused on evaluating elementary schools because my kids were younger. Bellevue still has a many elementary schools near the top, but overall they are not as hi…
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DJ, this as 60 years ago. A whole lot has changed in peoples "needs" since then. I haven't met one person who says that they want to have their kids stacked by 3 or even 2 to an 11x10 bedroom, with bunk beds. Wants and needs are very differen…
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Its always the schools that make the parents move out to the burbs. At some point that will flip, with the upscale parents staying close in to all their friends. Once in-city schools have a critical mass of involved parents, then those will become t…
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It would be delicious if Obama got disqualified because of a technicality, seeing as how he used those same tactics to remove opponents from the ballot in Chicago. However, the bitterness left by the process would be severely damaging to the country…
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Whereas most banks are estimating 20% to 25% peak-to-trough declines in housing prices, the Case-Shiller housing futures traded on the Chicago Mercantile Exchange portend a much steeper 33% decline, she points out. Prices of houses and the CS…
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Seems to me a comparatively simple matter to stir up the ocean bottom and thereby fertilize large areas of the ocean that are basically a salt-water desert as far as life goes. That will allow plankton to grow, fish to feed, and organic matter to s…
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rose-colored-coolaid wrote: ou're right, that would be better than what we have now. But still less good than EVs. Go flame elsewhere. The less sarcastic way of stating my point would be to note that gasoline is an approximation of the i…
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Robroy wrote: You forgot the third way: Lightning rod on roof. And it is free energy right out of the atmosphere! If only there was an easily transportable liquid that could be pumped into your car in a couple of minutes, which when consume…
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I first became aware of the eco-religion back in the 70s with the start of Earth Day and everything else. The Department of Energy was started to help push through programs that were economically unfeasible. When Reagan tried to shut it down, he was…
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Take a look at the article that Robroy posted about the starvation resulting from ethanol. Then take a look at the progress that was being made prior to that, in a striking animation given in this talk: http://www.ted.com/index.php/talks/hans ...…
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They've been trying to get algae to work for 20 years. The whole idea of biofuels is an eco-religious crusade. For something as basic as converting sunlight into electricity there is just no need to put something as inefficient has a living organism…
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and by the third question it became blatantly obvious it was a test written by dummies. Maybe those dummies are working for NASA: "A review article, primarily for scientists: Trends, Rhythms and Aberrations in Global Climate 65 Ma to the P…
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How on earth someone can read that list and go against the opinion of the best scientists all over the world is beyond me. I suppose it's a conspiracy... sigh. A lot of people have been asking for the evidence that humans are causing the warm…
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At least they aren't paying builders not to build houses. Yet.
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The ionizing radiation argument has also been addressed and debunked: http://www.realclimate.org/index.php/ar ... ic-glitch/ Thank you for your reply, but the article you refer to is about the galaxy, not the Sun. Please take a closer look…
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Actually there's a lot of evidence. We know that CO2 is a GHG and know how much radiative forcing it causes through 1-d climate models. We know that feedback effects amplify this effect. We know that in paleoclimatology CO2 is important in amplifyin…
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I watched it as far as where he said all the news anchors were reading a script they were given. It is interesting to read about how much influence special interests actually have, and how those come together and interact, but only if it doesn't sup…