Comments on: The power of political posturing? http://esrati.com/the-power-of-political-posturing/2378/ Dayton Ohio revealed and discussed. Thu, 09 Sep 2010 14:31:10 -0400 http://wordpress.org/?v=2.9.2 hourly 1 By: Jeff http://esrati.com/the-power-of-political-posturing/2378/#comment-32777 Jeff Mon, 11 May 2009 20:32:27 +0000 http://esrati.com/?p=2378#comment-32777 <em>I can always count on David Lauri to make everything about being a gay thing. That really wasn’t the purpose of this piece.</em> A few years ago you could have counted on me to do the same, but I've burned on arguing with homophobes online. I can always count on David Lauri to make everything about being a gay thing. That really wasn’t the purpose of this piece.

A few years ago you could have counted on me to do the same, but I’ve burned on arguing with homophobes online.

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]]> By: David Lauri http://esrati.com/the-power-of-political-posturing/2378/#comment-32765 David Lauri Mon, 11 May 2009 14:34:16 +0000 http://esrati.com/?p=2378#comment-32765 Sure, just say in passing that the city's HRC should not be doing its job when it comes to queers, and see if anyone notices. I don't mind if you abolish the HRC and repeal the city's non-discrimination ordinances so long as you abolish all of them.  But if we're gonna have local laws banning discrimination on any bases then including sexual orientation is only fair.  And don't tell me that there's no discrimination against the gayz. Of course if you abolish the HRC and repeal the city's non-discrimination ordinances, Dayton will no longer have a federally substantially equivalent agency and thus will have to forgo any funds it receives from the federal government for the enforcement of non-discrimination laws. Sure, just say in passing that the city’s HRC should not be doing its job when it comes to queers, and see if anyone notices.

I don’t mind if you abolish the HRC and repeal the city’s non-discrimination ordinances so long as you abolish all of them.  But if we’re gonna have local laws banning discrimination on any bases then including sexual orientation is only fair.  And don’t tell me that there’s no discrimination against the gayz.

Of course if you abolish the HRC and repeal the city’s non-discrimination ordinances, Dayton will no longer have a federally substantially equivalent agency and thus will have to forgo any funds it receives from the federal government for the enforcement of non-discrimination laws.

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]]> By: Gene http://esrati.com/the-power-of-political-posturing/2378/#comment-32741 Gene Mon, 11 May 2009 04:05:17 +0000 http://esrati.com/?p=2378#comment-32741 Pound that fist......... you may lose at the game you wanted to play. Cash? C Cards? Then why do you still owe on a 14k -ish loan over 23 years, if my math is correct? Why? Answer that. You should be out from all home loans, well unless you leveraged your assets to access more cash to buy other things, other properties. Which, if you did, then you wanted to profit, gain income from such transactions. Then you complain? WTF? "Go back"........ fine, then you grow up and take responsibility for your property "investments." I voted for you, and you have little to stand on, except that soap box that table saw created. Most homes have been devalued. It does not help to keep borrowing money. Rob Peter to Pay Paul. Or in this case Borrow from Peter (banks, ccards) to pay Paul (your bank account and lifestyle.) You want the world to change for you, how about you changing for the world. It seems to me I never complain about the circumstances in my life. Why? BC it is my life, my choices, my decisions. I don't complain about my investments because, well, they are my decisions. For better or worse. SP homes are not worth as much as you want, and then you cry. Why? Answer that. Why do you cry? Your home is worth what someone will pay for it. Just like the rest of us. Deal with it. Or pound that fist until that world changes for you. You bring up a lot of important and valid issues, but this issue is a joke. We all have been had by the "value" of our homes. But you seem to think they have it out for you. Your investment. Your life. Your win. . . .or maybe your not. Such is life. No? Pound that fist……… you may lose at the game you wanted to play.

Cash? C Cards? Then why do you still owe on a 14k -ish loan over 23 years, if my math is correct? Why? Answer that. You should be out from all home loans, well unless you leveraged your assets to access more cash to buy other things, other properties. Which, if you did, then you wanted to profit, gain income from such transactions. Then you complain? WTF?

“Go back”…….. fine, then you grow up and take responsibility for your property “investments.” I voted for you, and you have little to stand on, except that soap box that table saw created.

Most homes have been devalued. It does not help to keep borrowing money. Rob Peter to Pay Paul. Or in this case Borrow from Peter (banks, ccards) to pay Paul (your bank account and lifestyle.)

You want the world to change for you, how about you changing for the world. It seems to me I never complain about the circumstances in my life. Why? BC it is my life, my choices, my decisions. I don’t complain about my investments because, well, they are my decisions. For better or worse.

SP homes are not worth as much as you want, and then you cry. Why? Answer that. Why do you cry? Your home is worth what someone will pay for it. Just like the rest of us. Deal with it. Or pound that fist until that world changes for you.

You bring up a lot of important and valid issues, but this issue is a joke. We all have been had by the “value” of our homes. But you seem to think they have it out for you.

Your investment. Your life. Your win. . . .or maybe your not. Such is life. No?

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]]> By: David Esrati http://esrati.com/the-power-of-political-posturing/2378/#comment-32739 David Esrati Mon, 11 May 2009 03:06:17 +0000 http://esrati.com/?p=2378#comment-32739 @gene I did improve it slowly- because I did it out of cash and credit cards, since no bank would loan me the money to do either. I've replaced or refinished everything in my home. I had a table saw in my living room for 7 years. Please go back to where ever you have been. You weren't missed. @gene I did improve it slowly- because I did it out of cash and credit cards, since no bank would loan me the money to do either.
I’ve replaced or refinished everything in my home. I had a table saw in my living room for 7 years.
Please go back to where ever you have been. You weren’t missed.

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]]> By: Gene http://esrati.com/the-power-of-political-posturing/2378/#comment-32736 Gene Mon, 11 May 2009 01:32:21 +0000 http://esrati.com/?p=2378#comment-32736 You want money from a bank, you get it, then you cry about the terms? I know a lot about SP houses, I used to own there, and YES, most houses are being "under appraised" throughout the country, including SP. Look at any newspaper, including your favorite DDN. You wanted to improve your house, your life, buy other properties on the banks loan, and when your appraisal does not work to your benefit you cry. Maybe you should have bought in Oakwood or Centerville. This is the life you wanted, deal with the evaluations on your life, your property. BTW, your home is worth what someone else will pay for it - so find someone who will pay 120k. But, down there, you won't. You still paid 14k ish and refinanced? 14k ish? Write a GD check and be done with it. 14k? A car loan you pay off in 5 years................ oh , that is right, you wanted to leverage your assets for more cash for a better/more profitable life, and then you bitch about it. UNREAL! You could have paid it off, improved it slowly, never bought another property, and you would not have had a payment for 20 ish years........ you did it your way then cry. You are the problem with our current status - nothing was ever/is ever good enough - borrow, borrow, borrow. Typical liberal wants his cake and........ well, you know by now. You want money from a bank, you get it, then you cry about the terms? I know a lot about SP houses, I used to own there, and YES, most houses are being “under appraised” throughout the country, including SP. Look at any newspaper, including your favorite DDN.

You wanted to improve your house, your life, buy other properties on the banks loan, and when your appraisal does not work to your benefit you cry. Maybe you should have bought in Oakwood or Centerville. This is the life you wanted, deal with the evaluations on your life, your property. BTW, your home is worth what someone else will pay for it – so find someone who will pay 120k. But, down there, you won’t.

You still paid 14k ish and refinanced? 14k ish? Write a GD check and be done with it. 14k? A car loan you pay off in 5 years……………. oh , that is right, you wanted to leverage your assets for more cash for a better/more profitable life, and then you bitch about it. UNREAL!

You could have paid it off, improved it slowly, never bought another property, and you would not have had a payment for 20 ish years…….. you did it your way then cry. You are the problem with our current status – nothing was ever/is ever good enough – borrow, borrow, borrow. Typical liberal wants his cake and…….. well, you know by now.

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]]> By: David Esrati http://esrati.com/the-power-of-political-posturing/2378/#comment-32735 David Esrati Mon, 11 May 2009 01:19:28 +0000 http://esrati.com/?p=2378#comment-32735 I can always count on David Lauri to make everything about being a gay thing. That really wasn't the purpose of this piece. Frankly, I'm not sure what the HRC does, or why we pay the people on it so much. It's something that I need to be educated on- but, is it the City's responsibility to enforce the fair housing laws- or the Feds? @gene- the house was re-financed, remember- I put a lot into it. And- you have no clue about housing values in South Park Gene- when I moved here you could have bought any house on the block for $15K, yet, we've had several sell over $120K and a bunch more over $85K. And that's just this block. @alice, I'm aware there are some questionable appraisers out there. Yes, I think they need to be licensed and regulated. I can always count on David Lauri to make everything about being a gay thing. That really wasn’t the purpose of this piece. Frankly, I’m not sure what the HRC does, or why we pay the people on it so much. It’s something that I need to be educated on- but, is it the City’s responsibility to enforce the fair housing laws- or the Feds?
@gene- the house was re-financed, remember- I put a lot into it.
And- you have no clue about housing values in South Park Gene- when I moved here you could have bought any house on the block for $15K, yet, we’ve had several sell over $120K and a bunch more over $85K. And that’s just this block.
@alice, I’m aware there are some questionable appraisers out there. Yes, I think they need to be licensed and regulated.

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]]> By: David Lauri http://esrati.com/the-power-of-political-posturing/2378/#comment-32733 David Lauri Sun, 10 May 2009 23:46:51 +0000 http://esrati.com/?p=2378#comment-32733 Banning discrimination based on sexual orientation (which covers both gays and non-gays, though obviously there's a helluva lot more discrimination against queers) is indeed a local issue.  The city has a Human Relations Council, part of whose mission is to "ensure equality of treatment and opportunity for all," and bans on discrimination, whether based on sexual orientation or gender or race or familial status, are indeed enforceable.  Don't believe me?  Well consider this scenario.  A black man thinks he's been discriminated against when he's told an apartment advertised in the morning paper is no longer available when he stops to see it.  You send two more men with the same backgrounds (education, employment, credit history), a black one first and a white one second.  The second black man is also told the apartment is no longer available, but the white man, who arrives to see the apartment last, is told, yes, absolutely, the apartment is available and asked if he'd like to see it.  Discrimination based on race?  One would sure have probable cause to think so, wouldn't one? Now there is indeed the question of whether Dayton's Human Relations Council is fulfilling its mission of "ensur[ing] equality of treatment and opportunity for all," but that's another issue for the city commissioners to be following up with the city manager, <em>not</em> a reason not to bother passing local non-discrimination ordinances. Banning discrimination based on sexual orientation (which covers both gays and non-gays, though obviously there’s a helluva lot more discrimination against queers) is indeed a local issue.  The city has a Human Relations Council, part of whose mission is to “ensure equality of treatment and opportunity for all,” and bans on discrimination, whether based on sexual orientation or gender or race or familial status, are indeed enforceable. 

Don’t believe me?  Well consider this scenario.  A black man thinks he’s been discriminated against when he’s told an apartment advertised in the morning paper is no longer available when he stops to see it.  You send two more men with the same backgrounds (education, employment, credit history), a black one first and a white one second.  The second black man is also told the apartment is no longer available, but the white man, who arrives to see the apartment last, is told, yes, absolutely, the apartment is available and asked if he’d like to see it.  Discrimination based on race?  One would sure have probable cause to think so, wouldn’t one?

Now there is indeed the question of whether Dayton’s Human Relations Council is fulfilling its mission of “ensur[ing] equality of treatment and opportunity for all,” but that’s another issue for the city commissioners to be following up with the city manager, not a reason not to bother passing local non-discrimination ordinances.

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]]> By: Alice in Wonderland http://esrati.com/the-power-of-political-posturing/2378/#comment-32716 Alice in Wonderland Sun, 10 May 2009 16:29:13 +0000 http://esrati.com/?p=2378#comment-32716 Dave:  As a Certified Residential appraiser let me tell you that the assessed value on your home has little if nothing to do with the Market Value of your home.  Furthermore, the State of Ohio doesn't require that appraisers be licensed for purposes of assessing property for Counties.  Tom Culp who performed multiple appraisals for Montgomery County (<a href="http://www.daytondailynews.com/n/content/oh/story/news/local/2008/10/05/ddn100508appraisalsweb.html" rel="nofollow">http://www.daytondailynews.com/n/content/oh/story/news/local/2008/10/05/ddn100508appraisalsweb.html</a>) has been in and out of court for his "questionable" practices.  Appraisers have turned him in to not only the State Commerce Division but have also filed lawsuits against him.  We have screamed and yelled for mandatory licensing at both the state and federal level.  No one understands the purpose of an appraisal nor do most people understand the damage of a bad appraisal.  No one listened during the S&L crisis and no one listened during the housing bubble POP recently, and no one will listen during the next crisis.  I think it was Wm Wadsworths who stated - "Ah yes, the torrents of greed?" Dave:  As a Certified Residential appraiser let me tell you that the assessed value on your home has little if nothing to do with the Market Value of your home.  Furthermore, the State of Ohio doesn’t require that appraisers be licensed for purposes of assessing property for Counties.  Tom Culp who performed multiple appraisals for Montgomery County (http://www.daytondailynews.com/n/content/oh/story/news/local/2008/10/05/ddn100508appraisalsweb.html) has been in and out of court for his “questionable” practices.  Appraisers have turned him in to not only the State Commerce Division but have also filed lawsuits against him.  We have screamed and yelled for mandatory licensing at both the state and federal level.  No one understands the purpose of an appraisal nor do most people understand the damage of a bad appraisal.  No one listened during the S&L crisis and no one listened during the housing bubble POP recently, and no one will listen during the next crisis.  I think it was Wm Wadsworths who stated – “Ah yes, the torrents of greed?”

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]]> By: Dad http://esrati.com/the-power-of-political-posturing/2378/#comment-32670 Dad Sat, 09 May 2009 23:11:42 +0000 http://esrati.com/?p=2378#comment-32670 What ever happened to the usury laws? What ever happened to the usury laws?

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]]> By: Gene http://esrati.com/the-power-of-political-posturing/2378/#comment-32669 Gene Sat, 09 May 2009 23:00:15 +0000 http://esrati.com/?p=2378#comment-32669 $14k over 23 years and you still have a payment? Maybe you should look in the mirror and not continue to borrow against your house.  BTW, South Parks homes values are much lower than 2-4 years ago - along with most ever other neighborhood in the United States. Why? BC of 14k over 23 years and still having payments kinda things happen way too often. $14k over 23 years and you still have a payment? Maybe you should look in the mirror and not continue to borrow against your house. 

BTW, South Parks homes values are much lower than 2-4 years ago – along with most ever other neighborhood in the United States. Why? BC of 14k over 23 years and still having payments kinda things happen way too often.

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