Merv's Politically Incorrect Audio Blog

Discussion in 'SBAF Blogs' started by purr1n, Dec 26, 2018.

  1. JK47

    JK47 Guest

    Jedi mind trick, the Bank still owns the whole situation...
     
  2. Elysian

    Elysian Friend

    Pyrate
    Joined:
    Sep 28, 2015
    Likes Received:
    134
    Trophy Points:
    33
    Location:
    Bay Area, CA
    I didn't know that interest rates were down to 2013 levels! That's a great graph.

    If only home prices were at 2013 levels, too. @zerodeefex inspired me to look at Boulder real estate but it's within swinging distance of Bay Area prices now!
     
  3. ultrabike

    ultrabike Measurbator - Admin

    Staff Member Pyrate MZR
    Joined:
    Sep 25, 2015
    Likes Received:
    8,960
    Trophy Points:
    113
    Location:
    Irvine CA
    Very true. My aim is to get out of that situation faster.

    The around 10 month time reduction helps. The lower monthly allows me to put more down on the principal periodically. Closing costs should be low and should allow me to knock it down a bit more this year and should not offset the gains.

    That said, property tax is not going anywhere. Neither are HOAs. All we can do for those is to minimize as much as possible. It’s not just the bank. Every one wants a piece of the cake.

    EDIT: If I had put more money on the principal, I could actually have less than 20 years on this loan. But unlike with the condo I used to own, I didn't put much on the principal other than the allocated per the 30 year loan. So I do still have about 21 years. If however, I had put much more on the principal, the 20 year loan even at this interest rate might not be as attractive because I may have less than 20 years left with the current loan. Though the lower payment might still make me consider it in terms of allowing me to accelerate the payment on the principal comfortably. In this case it was a win any way I saw it.
     
    Last edited: Oct 11, 2020
  4. wormcycle

    wormcycle Friend

    Pyrate
    Joined:
    Aug 13, 2016
    Likes Received:
    1,506
    Trophy Points:
    113
    Location:
    Toronto, ON, Canada
    The same background, but maybe you will notice who is censoring whom now? Government cannot do shit to mega-corps.
    And can you loose your job because Trump does not like you? Unlikely unless you work for a government agency, and even that would be difficult
    Can you loose your job, does not matter where you work if Jack Dorsey does not like you? Or some of his minions, or even someone who is "clever" enough to use his minions against you? You will be gone is 60 seconds.
     
  5. Pancakes

    Pancakes Friend

    Pyrate Contributor
    Joined:
    Aug 13, 2020
    Likes Received:
    1,427
    Trophy Points:
    93
    Location:
    Atl
    So your logic is that since corporations are "bad", we should accept a dictatorial government? How does this make sense? And why do you think a bad government somehow makes up for shitty corporations? Wouldn't it be smarter to not accept either?

    And while we're at it, why do you only comment on corporations that tend to lean left? Btw, Zuckerberg, Thiel and, a bunch of other Silicon Valley bigshots are well known to donate to the Trump campaign. Are the corporations that support Reps and the president really good unlike the left leaning ones?
     
    Last edited: Oct 11, 2020
  6. purr1n

    purr1n Desire for betterer is endless.

    Staff Member Pyrate BWC
    Joined:
    Sep 24, 2015
    Likes Received:
    89,942
    Trophy Points:
    113
    Location:
    Padre Island CC TX
    I think his logic is that it doesn't make a difference - that we have far less freedom than we think.

    Anyhow, we hardly have a dictatorial government. Despite press and media equating current POTUS rhetoric, techniques, and assemblies with WWII fascist shit, this country's institutions are stronger than any one person. Heck, if a cynical bastard like me can still sort of believe in them, they are not broken yet. Things are bad now, but relative to human history and the rest of the world, things are actually very good in the USA. Just wait until January of next year and you will see.

    Polls always have margin of error. 2016 was within those margins of error, not to mention that it was an aberration because many Americans like myself were exasperated by both parties that they willing to try something crazy (also, a lot of people, including women, HATED, HATED Hillary). SARSv2 would have killed hundreds of thousands of people in the USA anyway because Americans hate rules and espouse "States' Rights". CDC would still have been unable to cope and bungled initial testing efforts regardless because their pandemic funding had already been cut more and more and more as the specter of OG SARS in 2002 faded. Despite all the other crappy stuff, at least the POTUS awakened all Americans to the insidious designs of the Chinese Communists. Past US admins back to Clinton sucked on the China Communists' dick.

    I was hopeful early on because because POTUS showed potential signs of greatness or at least lucidity:


    Since then, these moments of have been few or non-existent. Since this March, he's gone bonkers. American voters do notice these things.

    I give all POTUS chances. It's only the proper thing do to out of respect for the process. I didn't vote for Obama, but I gave him a chance. Until Kaiser sent me a letter that my health insurance would be cancelled, and that that I could opt for a similar plan for 2.5x the cost of my current plan. And his friends Senators Dodd and Frank decided to pass legislation to ensure there would be no such thing in the future as banks too big to fail, but ended up killing the niche small banking industry*, creating even bigger big banks. I know the intent was good, but the execution as usual only ended up benefiting the folks with the most lobbying power.

    The Democrats have been far more dictatorial to me personally. I had to sell my house, move to a different part of El Lay, and start from the bottom in a completely new industry because a few politicians decided to play Sim Gov't without thinking hard about the consequences. I can't even express what a painful time this was to me personally. Dictatorial powers that infringe on personal freedoms, liberty, pursuit of happiness can come in more hidden forms.

    It's easy for most of you guys to talk about ideas, left and right, up and down, rich and poor, tax this or not tax this.

    But I actually got fucked with immediate results by the gov'ment

    * Namely more regulation, and higher reserves, which small banks cannot afford. Small banks exist because of better faster service, knowing their customers better, and willingness to take on risk profiles that didn't fit the cookie-cutter. They don't have the economies of scale, massive scale as the big banks. The combined lobbying power of all small banks the USA is 1/10 that of a single big bank (as of 2020, there are six big banks "too big to fail"). The small banks simply didn't have the Batman hotline to Senators Dodd and Frank. Big banks didn't want more regulation, but f**k, if it killed their competition, why not? Regulation is part of doing business, may as well accept it and steer it for a win.
     
    Last edited: Oct 11, 2020
  7. YMO

    YMO Chief Fun Officer

    Pyrate Contributor
    Joined:
    Apr 1, 2018
    Likes Received:
    10,577
    Trophy Points:
    113
    Location:
    Palms Of The Coasts, FL
    I remember when Trump was running back in 2016. His protectionism and trade talk was a serious turn off for me. I'm not convinced that protectionism works, and I think tariffs in general is just an indirect tax on the consumers. This will make people LOL but I do buy some French cheeses and French wines. Guess what? Those items went up due to tariffs. French did tariffs on US companies, US did the same on their exports. Crap like this not only hurts consumers, but small businesses believe it or not.

    I just dunno what is the best direction here. We know China is having a field day with us, but the trade deficit is getting worse. I also don't like all the monies that are flowing to the farm companies who are hurting over the tariffs. I wear so much food waste and other wasteful spending comes from the government getting their hands into farming too much. Just look at government cheese.

    Maybe Trunp is going crazy, who knows. Locally I still know plenty of people who will still vote for him with huge smiles since "he speaks to them" and "must defeat the libs at all cost." Mostly it is based more on feelings and not too much about the policy. Honestly I think the national GOP secretly don't like him but don't have a choice but to deal with him due to strong voting block who really like Trump more than the other down-ticket GOP members and also the major juridical wins (which honestly this is the only part I like Trump for, but everything else is no-go in voting for his party).

    Like @purr1n I been fucked less by the GOP if I have to be honest. However, each year they continue to f**k the issues that I care about more and more. FL GOP were a bunch of pussies after the Parkland shooting with their gun restrictions bill. They only did it due to polling not on their side, but in the process they made parts of the bill pretty age discriminatory (raising the gun buying age from 18 to 21). Of course they are being sued right now over this, and I think FL GOP will lose here. When you do policy based on feelings is when you get some of the worse results IMO.

    I'll be very curious what will be the direction of the national GOP will go after Trump is done, either by losing next month or in four years.
     
  8. crenca

    crenca Friend

    Pyrate
    Joined:
    May 26, 2017
    Likes Received:
    3,977
    Trophy Points:
    113
    Location:
    Southern New Mexico
    The left's assertion of authoritarianism by Trump, the GOP, or insert_unliked_deplorable_person/group/belief_here, really does not stand scrutiny. If you are that easily manipulated by politicians, media talking heads, and Hollywood actors IMO you probably deserve to live quivering in fear. The right's assertion of a nascent totalitarianism by a post-Classical Liberal (so an illiberal) left has much more demonstrable support, such as purr1n's example above. Google, Facebook, Yelp, and the in all likelihood corporation you work for are all 'woke' and have enforcement mechanisms (of varying degrees of effectiveness) to make sure you say and do what they believe is acceptable, and if you don't your canceled.

    Some on the right believe this nascent social credit system is a grave threat to our freedom, and they have plenty of ex-pat soviet/eastern European's amongst them warning us that western european/NA society is starting down a totalitarian road. However IMO they under weigh the effect of our "diversity" and "multi-culturalism" - they assume we are more hegemonous than we are. We may be too unorganized for even a technically advanced social credit system to end up in a Chinese and/or eastern European situation. Still they are on to something important.

    @YMO, Big Agriculture has an insurmountable advantage in our political system with equal weight senators (all states only get two) and the number agricultural states. This is a "swamp" Trump has no influence over whatsover.

    Edit: if you kids are asking you what they should be when they grow up, tell them a farmer. Farming is the only career that has kept up with inflation since 1970's. I can't find the good graph, but here is one that is telling:

    [​IMG]
     
    Last edited: Oct 11, 2020
  9. YMO

    YMO Chief Fun Officer

    Pyrate Contributor
    Joined:
    Apr 1, 2018
    Likes Received:
    10,577
    Trophy Points:
    113
    Location:
    Palms Of The Coasts, FL
    Trump can't influence Agriculture, but he needs to do what he can to make sure those in the industry will vote for him. As much as I hate the government giveaway to that industry (which been happening for decades), I really can't blame him for doing it. People love legal bribery if it benefits them!

    I know some FL farmers who left the industry. They left because they are getting squeezed out by the Big Agriculture companies (which make sense, they have more resources and $$$). To play in the game, you must pay to play. This means giving money to Florida Farm Bureau, and also give money to the FL GOP because they will do your bidding in the capital. You better make enough money to cover those special fees on top of the cost in running the farm (labor, materials, bringing stuff to market, etc.).

    Only do farming for money if you are willing to join a major agriculture firm or are willing to deal with a Co-Op (because you better join or else you have a big risk of failing as a farmer), at least this is how it is in FL (can't speak to the other states). If you want independent, you are going to find out quick that you are going to be losing your shirt sooner or later.
     
    Last edited: Oct 11, 2020
  10. Pancakes

    Pancakes Friend

    Pyrate Contributor
    Joined:
    Aug 13, 2020
    Likes Received:
    1,427
    Trophy Points:
    93
    Location:
    Atl
    So farmers, gun manufacturers, the defense industry, the oil companies, banks, and other generally right leaning groups are not guilty of the above? They’re all about your “freedom” rather than about their profits? So therefore they don’t try to influence or control you? Wow! Have you ever seen fox news? Or listened to any right leaning politician? Or looked at legislation passed by conservatives?

    Please check out Citizens United.
     
  11. squishware

    squishware Friend

    Pyrate
    Joined:
    Nov 17, 2019
    Likes Received:
    424
    Trophy Points:
    93
    Location:
    on a whole other plane
    I bet the Amish are doing just fine. New ways (combines, GMO seeds and petroleum based fertilizers) do not prevent the old ways from working. They also value land ownership above all else.
     
  12. YMO

    YMO Chief Fun Officer

    Pyrate Contributor
    Joined:
    Apr 1, 2018
    Likes Received:
    10,577
    Trophy Points:
    113
    Location:
    Palms Of The Coasts, FL
    Since you brought up Citizen United, just a reminder that there's so much Dem-leaning Super PACs this time around. After seeing the successes of the GOP-leaning Super PACs, they are caught up about it.

    The answer is both sides are guilty. Also MSNBC is just as bad as Fox News, and Mother Jones is just as bad as the Daily Caller.
     
  13. crenca

    crenca Friend

    Pyrate
    Joined:
    May 26, 2017
    Likes Received:
    3,977
    Trophy Points:
    113
    Location:
    Southern New Mexico
    This post is full of shallow cliches it is hardly worth responding, but yes "Big Oil" and the likes of Henry Repeating Arms do not have social credit systems they can impose externally. Would not surprise me however that at least some of Big Oil has them internally.

    The idea that Fox News (or any other alleged non-Progressive source) is somehow evidence that the majority (like 90%) of media is not thoroughly progressive in personnel, tone, and subject matter is silly. Progressive's own all the major institutions (i.e. media, corp board rooms, universities, and much of government), even they admit that. That's why they are so hysterical over the supreme court in that another Trump appointee will mean (maybe) that they won't own it directly...

    edit: Here is "Big Tire's" system at work recently:

    [​IMG]
     
    Last edited: Oct 11, 2020
  14. Pancakes

    Pancakes Friend

    Pyrate Contributor
    Joined:
    Aug 13, 2020
    Likes Received:
    1,427
    Trophy Points:
    93
    Location:
    Atl
    Just so I understand you correctly:

    Bad big businesses are liberal.
    Good big business is conservative.

    I'm not arguing or judging here. Just trying to understand where you're coming from.
     
  15. wormcycle

    wormcycle Friend

    Pyrate
    Joined:
    Aug 13, 2016
    Likes Received:
    1,506
    Trophy Points:
    113
    Location:
    Toronto, ON, Canada
    I do not want corporations to be about my freedom, I want them to be about profits. I do not want them to be enablers of social surveillance and enforcers of "progressive" world view, or any other world view for that matter. And this is what Twitter Facebook etc.. were allowed to become. Not the farmers, gun manufacturers, oil producers etc..
     
  16. Pancakes

    Pancakes Friend

    Pyrate Contributor
    Joined:
    Aug 13, 2020
    Likes Received:
    1,427
    Trophy Points:
    93
    Location:
    Atl
    This I can agree with. Who would you say has allowed them to become this way? I'm asking this question because I don't know the answer. Can someone point to legislation from either party? My guess is they're all guilty of it - corporations regardless of outward appearance pump money into both sides.
     
  17. Senorx12562

    Senorx12562 Case of the mondays

    Pyrate
    Joined:
    Oct 26, 2015
    Likes Received:
    3,276
    Trophy Points:
    113
    Location:
    Bird-watcher's paradise
    I take the fact that Trumpites (Trump is not even close to a conservative; Goldwater would roll over in his grave to see him called such) see me as an anarchist and progressives see me as a fascist as a sign that I am doing something right. Kind of like a man without a country:cool:.
     
  18. crenca

    crenca Friend

    Pyrate
    Joined:
    May 26, 2017
    Likes Received:
    3,977
    Trophy Points:
    113
    Location:
    Southern New Mexico
    Nope, the conversation in this thread is not about these simplifications at all. Conservative vs. Liberal is almost meaningless, in that there are hardly any real conservatives and liberals left. Corporations-as-actors are by and large a subset of larger cultural forces, and not the monolithic 'entities' these soundbites suggest...
     
  19. ultrabike

    ultrabike Measurbator - Admin

    Staff Member Pyrate MZR
    Joined:
    Sep 25, 2015
    Likes Received:
    8,960
    Trophy Points:
    113
    Location:
    Irvine CA
    Corporations will and are affecting your freedom. They cannot maximize profits unless they do so, and they will. Governments will and are affecting your freedom. They cannot maximize revenue unless they do so, and they will.

    Corporation profits get distributed in a hierarchical fashion. Folks/Groups with larger holdings and stakes, get more. Government revenues get distributed in a hierarchical fashion. Folks/Groups with a stronger hold on policy making, get more. In many cases, certain folks and groups have a hold on both corporations and governments, for win-win purposes.

    Where do we fit as members of both these groups? Depends on our holdings on the relevant entities.

    But it is my current belief that we are dealing with the same shit. But perhaps different presentation.

    Private corporation "conservative" proponents use a somewhat more cynical approach, where the hierarchical structure is justified by the alleged shrewd and astute merits of the leadership. Public government "liberal" proponents use a somewhat more hypocritical approach, where the hierarchical structure is justified given the alleged humanitarian nature of the leadership.

    Reality is that private sector leadership has displayed extraordinary levels of stupidity in all sectors. High hierarchy is not necessarily achieved by merit, but by connections and "social skills" (also known as the art of ass kissing). Reality is that public sector leadership has displayed extraordinary levels of neglect and selfishness. High hierarchy is not necessarily achieved by active social betterment efforts, but by connections and "social skills" (which as we know it boils down to brown-nosing).

    So, what do you want? Same shit with the cynical makeup, or same shit with the hypocritical makeup? In both cases, you will get a classical human leadership hierarchy system specifically designed for humans beings.

    And as long as things are stable, either shit works. When quality of life degrades and property goes out the door, shit hits the fan, regardless of what you chose. When things get difficult, count on an iron grip from both.
     
    Last edited: Oct 11, 2020
  20. Pancakes

    Pancakes Friend

    Pyrate Contributor
    Joined:
    Aug 13, 2020
    Likes Received:
    1,427
    Trophy Points:
    93
    Location:
    Atl
    I agree with this. But I'm still confused and trying to understand your statement that we don't need to be concerned with the current administration's authoritarian tendencies because (paraphrasing here) "liberal big business is stripping us of our freedoms". If the idea is that the current admin is not perfect but they'll make more things right than the other side, I'd like to point out that during 2017 and 2018 Reps controlled the WH and Senate and didn't do jack. I don't see a border wall, I don't see a "better alternative to ACA" (I don't even see a proposal let alone an attempt to get one through), I don't see a trade agreement with China, I don't see manufacturing coming back to the US. Where is this genius deal maker we've all been told about? What has the current admin actually accomplished that should give anyone reason to expect anything in four more years? Unless you count the fact that the country is a dumpster fire as an accomplishment.
     

Share This Page