From: lucasea on 15 Nov 2006 16:41 "T Wake" <usenet.es7at(a)gishpuppy.com> wrote in message news:uIadnVJvIvWKysbYnZ2dnUVZ8tSdnZ2d(a)pipex.net... > > In the UK we are heading towards longer duration mortgages. One of my > employees has just bought a house with a 35 year mortgage (he is 25). The > mind boggles at what people are having to do to get a place to live now. I'm not sure I would have put it that way, at least for the US (I assume some of what I'm about to say is similar in the UK). There is almost an entitlement attitude about home purchases that has developed in this country. A greater percentage than ever of our population is now homeowners...or to put it another way, some modest fraction of the people now buying homes in the US would have been considered financially unable to buy a home, had they been in their current situation 30 years ago. Much like with credit cards, the financial companies have found that they have a gold mine, and the more people they can draw in, the better. There is almost zero risk on their shoulders, since they own the home and can foreclose when things get uncomfortable (lack of maintenance, missed payments, etc.) Thus, they have come up with terms to draw more and more people in...100% mortgages, ridiculous income multiples, that sort of thing. I happen to be of the mind that it's those own peoples' fault for being suckered into something they cannot afford. On the other hand, it's very difficult for someone who does not own a home to understand exactly how much it costs (I sure didn't when I first bought). The financial institutions used to be good at weeding out those who are likely to go under by making the multiple so low. However, they've discovered that that's not in their best financial interest anymore. There's now really nothing by which non-homeowners can really gauge if they can really afford it or not, except what they see their peers doing. Regardless of the effect on these people personally, in the bigger picture, it's not good for society as a whole. This is especially true considering how Congress recently modified the bankruptcy laws. Eric Lucas
From: lucasea on 15 Nov 2006 16:47 "T Wake" <usenet.es7at(a)gishpuppy.com> wrote in message news:paOdnV3oDeIr_MbYRVnysA(a)pipex.net... > > <lucasea(a)sbcglobal.net> wrote in message > news:iiH6h.25566$TV3.5304(a)newssvr21.news.prodigy.com... >> >> <jmfbahciv(a)aol.com> wrote in message >> news:ejf5am$8qk_004(a)s792.apx1.sbo.ma.dialup.rcn.com... >>> In article <8aCdnbqWfskwvMfYnZ2dnUVZ8sKdnZ2d(a)pipex.net>, >>> "T Wake" <usenet.es7at(a)gishpuppy.com> wrote: >>>> >>>><jmfbahciv(a)aol.com> wrote in message >>>>news:ejccrn$8ss_006(a)s858.apx1.sbo.ma.dialup.rcn.com... >>>>> In article <BN06h.5439$IR4.708(a)newssvr25.news.prodigy.net>, >>>>> <lucasea(a)sbcglobal.net> wrote: >>>>>> >>>>>>"Eeyore" <rabbitsfriendsandrelations(a)hotmail.com> wrote in message >>>>>>news:45586F70.5FF100EE(a)hotmail.com... >>>>>>> >>>>>>> >>>>>>> jmfbahciv(a)aol.com wrote: >>>>>>> >>>>>>>> Eeyore <rabbitsfriendsandrelations(a)hotmail.com> wrote: >>>>>>>> >>>>>>>> >Finding the right thing that's profitable isn't always that easy. >>>>>>>> >>>>>>>> It is easy. People around here charge $50 for 15 minutes' worth >>>>>>>> of housecleaning and they get it. >>>>>>> >>>>>>> They do ? >>>>>>> >>>>>>> I'm sure they wouldn't here. >>>>>> >>>>>> >>>>>>It's certainly not the norm in the US. It might be $50, (I've heard >>>>>>smaller >>>>>>number, in the $30 - $40 range) but it's not for 15 minutes >>>>>>work--typically >>>>>>it is for cleaning a whole house, which, including vacuuming, mopping, >>>>>>cleaning the loo, is probably more like an hour or two. >>>>> >>>>> I have a 4-room house. If one is healthy, it takes 15 minutes to do >>>>> the usual cleaning. >>>> >>>>Blimey. I am going to cut this out and give it to my wife. >>>> >>>>I can only suspect your standards of "the usual cleaning" are different >>>>to >>>>other peoples. >> >> Ah, *now* we get the story behind the wild extrapolations. >> >> >>> Perhaps. If you don't have carpeting it takes about two minutes to >>> vacuum if you don't move furniture. >> >> Most people have carpet, and most people have the area under the >> furniture cleaned. Next assumption. >> >> >>> There are ways to do cleaning efficiently. The pros have all the >>> tricks. Part of the habit of living is be in contant pickup >>> mode. Reduces cleaning times by a lot. >> >> And why would somebody who has someone else clean their house get in this >> habit? If they're not doing the cleaning, there's no incentive to. > > Logic rarely enters into /BAHs assumptions and extrapolations. > > As a side note,what sort of surface area would a 4 bedroom house in the US > have? NB she said 4 rooms, not 4 bedrooms. That would typically mean bedroom, kitchen, living room and bathroom. That's probably on the order of 1000 sq ft. 4 bedroom houses are becoming positively enormous here. Typical areas I see in the newspaper are as much as 2500 sq ft. Older ones might be as little as 2000 sq ft. When I drive through suburban areas that are being heavily developed, I'm always shocked at the ubiquitous enormity of the houses. Eric Lucas
From: unsettled on 15 Nov 2006 16:58 Michael A. Terrell wrote: > unsettled wrote: > >>>If you weren't so close minded, you might learn something. >> >>While I learn things all the time, it doesn't seem likely >>you'll be providing anything new and of consequence. > A true sign of a mind that is closed, and boarded up for the long > haul. Nope. In fact my perception has been reinforced by this latest offering of yours. >>>In this case, its "a long, hollow cylinder, >>>usually steel, through which electrons are conducted.". >>Actually wires are most often conducted through conduit. >>Whether or not there's such a thing as an electron or >>not that's party to electrical signaling and power is >>an altogether separate subject. Yes, you technician >>types, rely on the electron as the only model since >>that's all you'll ever need. > You need to cut back on those homebrew drugs. Gratuitous bullshit. >>Take your microwave discussions elsewhere please. > I did. One of the "Microwaves" I worked on is part of a > communications system aboard the International Space Station. A dicksize war. I don't play those. >>>The reducers are made from steel pipe, even if you >> > do consider them to be bushings. >>Naw. Go read up on this. See how they're manufactured. > I asked the manufacturer, about 25 years ago. They cut threads on > both sides of the pipe, and cut them into the reducers on a lathe. Even > you would recognize what I'm talking about if you saw one. Here's what you wrote on this subject earlier and doesn't seem to be part of the discussion any longer: "Because of the slight taper there was no chance of it going inside the box. " Message ID was: <455A9EF9.4F9F1583(a)earthlink.net> Now you're telling em they cut threads on both sides of the pipe and then cut that into pieces on a lathe. Would you mind telling us how they managed to cut a longer lngth of pipe on which each small bushing length segment ended up having a taper? If they did as short a hunk as 10 feet, let alone the standard length of pipe at 21 feet, do you realize how small one end would have to be and how large the other end would be? You also wrote, in the same posting that: "You could see the welded seam up the side." Now here's the rub. Conduit is *not* welded, it is merely rolled shut. It is not intended to be watertight or pressure tight. When used in an explosive atmosphere setting, should there be ignition inside the conduit, the conduit is supposed to leak the pressure out, and while expanding, the gasses cool so that they're below the combustion temperature of the surrounding atmosphere. This, of course, prevents the conduit from bursting and causing the surrounding explosive atmosphere to explode. >>I don't know what your problem is, but I hope you get >>over it soon. > >>A fitting, by definition, is not a pipe. Particulars >>of material are inconsequential to this discussion. > In other words, you can't possibly be wrong, even when faced with > evidence and personal experience? No wonder you are "Unsettled" Your > neurons never had a chance, did they? Maybe you should change your CB > handle to "Inconsequential"? When a man is wrong, as you are, they're just wrong, and no amount of argumentation can change it. Conduit bushings are different from pipe bushings in several ways. Stores like Home Depot tend to carry only the plumbing variety because folks working with explosive atmospheres don't often shop there for electrical goods, they go to bona fide electrical supply distributors where they are able to purchase the correct parts and fittings. Home Depot etc. can get by with a smaller inventory. If you're an electronics designer, stick to the subject areas in which you're strong. This most certtainly wasn't one of them. And if you want the adventure of buying a screw cutting lathe, one with a back gear, and all the essential appointments to go with it, and then learn how to use it, all the while making scrap metal out of good, then go right ahead knock yourself out. Come back with photos of ALL the results so the readers can have a good laugh.
From: T Wake on 15 Nov 2006 17:03 <lucasea(a)sbcglobal.net> wrote in message news:9WL6h.10665$yl4.3580(a)newssvr12.news.prodigy.com... > > "T Wake" <usenet.es7at(a)gishpuppy.com> wrote in message > news:paOdnV3oDeIr_MbYRVnysA(a)pipex.net... >> >> <lucasea(a)sbcglobal.net> wrote in message >> news:iiH6h.25566$TV3.5304(a)newssvr21.news.prodigy.com... >>> >>> <jmfbahciv(a)aol.com> wrote in message >>> news:ejf5am$8qk_004(a)s792.apx1.sbo.ma.dialup.rcn.com... >>>> In article <8aCdnbqWfskwvMfYnZ2dnUVZ8sKdnZ2d(a)pipex.net>, >>>> "T Wake" <usenet.es7at(a)gishpuppy.com> wrote: >>>>> >>>>><jmfbahciv(a)aol.com> wrote in message >>>>>news:ejccrn$8ss_006(a)s858.apx1.sbo.ma.dialup.rcn.com... >>>>>> In article <BN06h.5439$IR4.708(a)newssvr25.news.prodigy.net>, >>>>>> <lucasea(a)sbcglobal.net> wrote: >>>>>>> >>>>>>>"Eeyore" <rabbitsfriendsandrelations(a)hotmail.com> wrote in message >>>>>>>news:45586F70.5FF100EE(a)hotmail.com... >>>>>>>> >>>>>>>> >>>>>>>> jmfbahciv(a)aol.com wrote: >>>>>>>> >>>>>>>>> Eeyore <rabbitsfriendsandrelations(a)hotmail.com> wrote: >>>>>>>>> >>>>>>>>> >Finding the right thing that's profitable isn't always that easy. >>>>>>>>> >>>>>>>>> It is easy. People around here charge $50 for 15 minutes' worth >>>>>>>>> of housecleaning and they get it. >>>>>>>> >>>>>>>> They do ? >>>>>>>> >>>>>>>> I'm sure they wouldn't here. >>>>>>> >>>>>>> >>>>>>>It's certainly not the norm in the US. It might be $50, (I've heard >>>>>>>smaller >>>>>>>number, in the $30 - $40 range) but it's not for 15 minutes >>>>>>>work--typically >>>>>>>it is for cleaning a whole house, which, including vacuuming, >>>>>>>mopping, >>>>>>>cleaning the loo, is probably more like an hour or two. >>>>>> >>>>>> I have a 4-room house. If one is healthy, it takes 15 minutes to do >>>>>> the usual cleaning. >>>>> >>>>>Blimey. I am going to cut this out and give it to my wife. >>>>> >>>>>I can only suspect your standards of "the usual cleaning" are different >>>>>to >>>>>other peoples. >>> >>> Ah, *now* we get the story behind the wild extrapolations. >>> >>> >>>> Perhaps. If you don't have carpeting it takes about two minutes to >>>> vacuum if you don't move furniture. >>> >>> Most people have carpet, and most people have the area under the >>> furniture cleaned. Next assumption. >>> >>> >>>> There are ways to do cleaning efficiently. The pros have all the >>>> tricks. Part of the habit of living is be in contant pickup >>>> mode. Reduces cleaning times by a lot. >>> >>> And why would somebody who has someone else clean their house get in >>> this habit? If they're not doing the cleaning, there's no incentive to. >> >> Logic rarely enters into /BAHs assumptions and extrapolations. >> >> As a side note,what sort of surface area would a 4 bedroom house in the >> US have? > > NB she said 4 rooms, not 4 bedrooms. Aha. Well spotted. Sorry, I misread it. > That would typically mean bedroom, kitchen, living room and bathroom. > That's probably on the order of 1000 sq ft. Cool, 1000 sq ft in 15 minutes is getting closer to reality. > 4 bedroom houses are becoming positively enormous here. Typical areas I > see in the newspaper are as much as 2500 sq ft. Older ones might be as > little as 2000 sq ft. When I drive through suburban areas that are being > heavily developed, I'm always shocked at the ubiquitous enormity of the > houses. > > Eric Lucas >
From: lucasea on 15 Nov 2006 17:05
"Don Bowey" <dbowey(a)comcast.net> wrote in message news:C180A7E1.4CD2F%dbowey(a)comcast.net... > > I prefer the earlier B also, but the price of one in decent condition is > just more than I want to pay, and I'm tired of restoring cars. Yeah, I lucked into a decent price on mine. It's definitely a work in progress, though. The previous owner had gone through and replaced a lot of parts with non-identical aftermarket (for example, an AC Delco rotary fuel pump, instead of the original reciprocating pump.) I'm now going through and replacing them with original replacements. Work on it has stalled the last couple years, but I hope to resume soon. I fear soon I may need to rebuild the engine, because it's sounding very "valve-y". > The 79 was > in nearly great shape and bargain priced because nobody could fix it's > problem; it would simply quit running without warning. It took a few days > to find the electronic ignition unit was shot. It was the wife's daily > driver for 15 years, then a big Mac dump truck drove up on the rear bumper > at a stop signal getting the trunk and left rear fender. The daily driver > now is a BRG Miata MX5. My personal situation changed a couple years ago (got a dog and a fiancee), and I had to get rid of my Miata. I miss my Miata. It was my daily driver for almost 10 years, with the B as my weekend touring car. Lucky me! > I'd rather have a new MG, but they are not importing to the US yet. Frankly, I'm rather a purist, and I detest what I have seen of the new design. Eric Lucas |