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Sublime Peach





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  posted on 10/29/2008 at 11:53 AM
.

[Edited on 12/2/2008 by jerryphilbob]

 
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Zen Peach



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  posted on 10/29/2008 at 12:02 PM
I believe no matter who is elected there will be some testing of the new president. And Bush doesn't seem to be trying to clean up any messes before the next person takes office so the potential for serious threats to our national interest will still exist. This economy isn't going to be turned around overnight by anyone no matter what congress does or doesn't do and Obama certainly isn't going to make it worse.

I'm all for making plans to tighten our belts.....it only makes sense given what's going on...but I'm not ready to write off the whole country if Obama is elected along with a Democratic controlled congress.....after all we've almost made it through eight years of Bush.

 

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Sublime Peach



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  posted on 10/29/2008 at 12:22 PM
True, keep in mind this congress has pushed thru almost anything that Bush has asked for. I don't think the country is going to fall apart if Obama gets elected, like I said, I really expect there to be a real bump in the economy and the attitudes of Americans. It just can't be a good thing to not have some checks and balances within the government. This would be true if was going to to be controlled by the Republicans too. What's that old saying about power?


 

True Peach



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  posted on 10/29/2008 at 12:28 PM
This one time, I was hoping there was a Youtube, and that it was about a new dance craze sweeping the nation, the Obama Bump!

But I'll settle for a stock bump; I need it.

 

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Sublime Peach



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  posted on 10/29/2008 at 12:33 PM
You had to be happy yesterday with the stock market? As for that new dance? I will work on that one for you. I am sure they will be dancing in the streets when Obama wins the election.


I found it! Kinda?

http://www.youtube.com/watch?v=Rr4flKD35c8

 

True Peach



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  posted on 10/29/2008 at 12:41 PM
quote:
You had to be happy yesterday with the stock market? As for that new dance? I will work on that one for you. I am sure they will be dancing in the streets when Obama wins the election.


I found it! Kinda?

http://www.youtube.com/watch?v=Rr4flKD35c8


We've seen a few dead cat bounces followed by more bottom testing, so I'm happy but cautious still. Thanks for the fist bump, but then I had to see Al and Tipper; eeew!

 

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Sublime Peach



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  posted on 10/29/2008 at 12:58 PM
They say that before the market crashed in 29 there was a 20% increase in the market, then it tanked. They were seeing these same ups and downs that we are today. Huge swings one way or the other. Being cautious is the right thing to do. It isn't over yet. At least it felt good for a day.
 

Zen Peach



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  posted on 10/29/2008 at 01:23 PM
I thought I was gonna open this thread and find lost video footage of Obama tootin' up a big ol' rail.

 

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Zen Peach



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  posted on 10/29/2008 at 01:24 PM
It isn't over for a long time. There was an article in the San Jose paper a few days ago stating that 2,500 construction jobs had been lost in the South Bay area in the past year. They quoted a contractor who had put an ad on craigslist to hire two carpenters, who said he was getting over 100 resumes a day. They also quoted a "real" Joe the Plumber, who said 5 of the 6 contractors he'd been doing work for had filed for bankruptcy, owing him $60,000.

Not only is is not over yet, I don't think we've seen anywhere near the worst of it. I'm not talking about what the stock market is doing. I'm talking about home construction and the housing market. Construction workers are losing their jobs, and their homes. Hundreds of thousands of people are having to move out of their homes, and they are sitting empty. These people are moving into the rental market, and rents are going up. There will be more people sleeping on the street this winter.

On the other hand, I believe we'll weather all this, and we'll be a better nation, with our priorities a little clearer, when we do. I'm optimistic about the long-term future, but the short term is not a pretty picture.

[Edited on 10/29/2008 by SantaCruzBluz]

 

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Maximum Peach



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  posted on 10/29/2008 at 01:26 PM
carpenters have resumes?!

 

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Sublime Peach



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  posted on 10/29/2008 at 01:39 PM
SCB,

It's not just housing. Every car, truck, Rv, motorcycle salesman is out of a job. You are right, it is going to get worse before it gets better. The media is not being very honest about the job loss that is going on right now. I was just trying to put a good spin on a bad situation. I am afraid we are all going to be shocked when we find out what our homes are really worth. I was going to have mine appraised so I could tell if it was even worth me paying my mortgage anymore? The rules have changed and the way we did business 30 days ago is over.

I called my trash company the other day to tell them I had found a better rate, they cut my payment in 1/2. Everyone should try to get their bills lower right now. If you own a business, send your landlord a certified letter explaining that the economy is killing you and without some type of relief from them, you won't make it. I promise you, everyone is dealing right now, even your trash company.

 

Zen Peach



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  posted on 10/29/2008 at 01:51 PM
quote:
This one time, I was hoping there was a Youtube, and that it was about a new dance craze sweeping the nation, the Obama Bump!





That might have been the dance "Derek" was performing on those Black Keys videos.....

 

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Zen Peach



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  posted on 10/29/2008 at 02:29 PM
quote:
SCB,

It's not just housing. Every car, truck, Rv, motorcycle salesman is out of a job. You are right, it is going to get worse before it gets better. The media is not being very honest about the job loss that is going on right now. I was just trying to put a good spin on a bad situation. I am afraid we are all going to be shocked when we find out what our homes are really worth. I was going to have mine appraised so I could tell if it was even worth me paying my mortgage anymore? The rules have changed and the way we did business 30 days ago is over.

I called my trash company the other day to tell them I had found a better rate, they cut my payment in 1/2. Everyone should try to get their bills lower right now. If you own a business, send your landlord a certified letter explaining that the economy is killing you and without some type of relief from them, you won't make it. I promise you, everyone is dealing right now, even your trash company.


You're right about all the other industries hurting as well. I didn't even want to get into all that, but it is across the board. I have a couple of friends who are both legal secretaries, and they've both told me that a couple of big firms in the area have gone out of business, putting 100 legal secretaries out of a job. Those who have jobs are trying hard to hold onto them, as they know their chances of getting another are slim right now.

 

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Zen Peach



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  posted on 10/29/2008 at 02:31 PM
quote:
carpenters have resumes?!


Can you believe that?

Ads that say "Fax your resume to....."

They use to say "Apply at jobsite at...."

What is this world coming to?

 

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Sublime Peach



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  posted on 10/29/2008 at 02:41 PM
That wal-mart greeter position might not be looking so bad after all? Even my Dentist was complaining about how slow it is? It is affecting everyone, and I am afraid, after the holidays, it will become more apparent than ever that the unempolyment rates are much higher than they are telling us right now.

How are you holding up. You got work?

 

Maximum Peach



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  posted on 10/29/2008 at 02:46 PM
quote:
quote:
carpenters have resumes?!


Can you believe that?

Ads that say "Fax your resume to....."

They use to say "Apply at jobsite at...."

What is this world coming to?
____________________________________________________

I might ask for one the next time I need some work done at the house. But then again, that is probably considered luxury spending at this point....

 

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Zen Peach



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  posted on 10/29/2008 at 02:57 PM
I have an ad on craiglist, like every other contractor in the area, and I've been picking up a little work along, and some word of mouth jobs, too. I'm fortunate that I can solicit my own work, while a lot of guys are just looking for a job with a company. I would take one of those right now myself, to ride this storm out, but those are more rare than the folks who call me wanting a small project done. But I have been getting work. Not as much as I'd like, but I'm hanging in there.

I'm single, with only three cats to support, and I don't have a bunch of debt. I also don't own a home, which is not such a bad thing right now. I know there are a lot of folks out there who have a whole bunch more to lose than I do, so I'm not really complaining. I've been through some other down turns in the construction industry, but I've never seen times like these. We're running downhill, and gaining speed.

But I think this is a correction that had to happen, as painful as it is. The value of homes has been artificially inflated, and they've been built by cheap immigrant labor. Maybe if the construction jobs stay dried up for a while, some of those will go back to Mexico, and there will be some jobs available in a few years. And maybe homes will be affordable again as result, too.

But I don't know how this is going to turn out. You might be right. In a year from now, we might be in a situation we can't even imagine right now. Businesses might start closing up. We're not seeing a lot of regular businesses boarded up, but we might start.

 

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Sublime Peach



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  posted on 10/29/2008 at 03:14 PM
The small business in america is going away. Most eveyone I know that owns a small business is hanging on, because that's all they can do. If you haven't tried to get credit lately, good luck. You need over 700 on the fico score and at least 20% down to purchase anything (car, home, boat, etc.). The business model has changed and I hope everyone is adjusting and not just coasting along thinking things will change. They gave the bail out money to the bankers and there is no way they are going to turn around and give it back to us. I sold a spa yesterday and couldn't believe it. We have 4 stores and that was the first spa sold in two weeks. I am sure I am going to have to go out and find some kind of 3rd shift job to help make ends meet. Sometimes I even wonder why I am going into work? I am going to have my house appraised to see the true value and I hope I am not upside on this loan. I am not sure what to do if I am? I have seen anywhere from a 10-30 drop in home values? How can I afford to pay more for my house than it is worth but at the same time, unable to get a new loan for a new place? Looks like I will be renting here in the near future.
 

Zen Peach



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  posted on 10/29/2008 at 04:20 PM
Not sure how accurate it is, but you can go to http://www.zillow.com and see what your home is worth. It's actually pretty scary. For my neighborhood they have a pretty close aerial photo of the entire neighborhood. It will tell you the taxes for everybody, square footage, selling history etc.

 

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Zen Peach



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  posted on 10/29/2008 at 04:32 PM
quote:
Not sure how accurate it is, but you can go to http://www.zillow.com and see what your home is worth. It's actually pretty scary. For my neighborhood they have a pretty close aerial photo of the entire neighborhood. It will tell you the taxes for everybody, square footage, selling history etc.
Interesting. Appears fairly accurate to me (anyway it has my place listed right around where I would expect it to be).

 

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Zen Peach



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  posted on 10/29/2008 at 05:27 PM
I checked into that site and it seems pretty accurate and in line with our recent tax appraisal.....but I love that our property has so many trees that our house can't be seen from the arial view.....you can't see it on google earth either.

 

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Sublime Peach



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  posted on 10/29/2008 at 09:11 PM
I checked out zillo. I wonder if this assessment is before the crash or after the crash (we can call it a crash can't we? I haven't really heard anyone call it that but I am sure it qualifies).
 

Zen Peach



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  posted on 10/29/2008 at 09:26 PM
jpb, selling anything but necessities is probably a dead end road all over the country right now. And you're in the same boat as I am, because we know our part of it isn't going to get better for a year or two, at least. We can try to find a job doing something we are unfamiliar with, but we are competing with everyone else doing the same thing.

 

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Zen Peach



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  posted on 10/29/2008 at 09:27 PM
quote:
I checked out zillo. I wonder if this assessment is before the crash or after the crash (we can call it a crash can't we? I haven't really heard anyone call it that but I am sure it qualifies).



Not sure, but I know mine shows being worth a lot less than it used to......

 

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Sublime Peach



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  posted on 10/29/2008 at 09:33 PM
It must be pretty accurate. Mine is less too. I was just hoping it wasn't worth even less than I thought. That is one amazing web site. Thanks for link.
 
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