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  • jellicle

    jellicle

    March 10, 2015, 1:51 pm

    I'd contact a real estate agent, have them appraise your house. Not a "real" appraisal, just something like "here's $100, drive by my house and look up the other houses in the MLS system that have sold nearby that are similar, and tell what you'd price this house at if you were selling it". You only have the one data point from the appraiser, and possibly he's wrong.

    If you get verification that your house really isn't worth shit, you can try to convince your bank to allow you a short sale - permission to sell it, and have the proceeds be a full discharge of the mortgage. You'd probably get the 1099 form for the difference in value between the sale price and the mortgage amount.

    For tax situations (i.e., the law you mention and associated IRS forms) you need to either talk to an accountant or a tax lawyer. Tax lawyers are rare and expensive, accountants are common and less expensive; I know which one I'd seek out.

    The bank may refuse to negotiate you w/r/t a short sale. In that case, what you'll have to do is stop making your mortgage payments for about 30-60 days, and then negotiate with them. They tend to refuse to even talk about a short sale (loss to the bank, obviously) unless there's a real threat of a foreclosure, so you have to give them that real threat before they'll even talk to you.

    Reply

  • gear_head

    gear_head

    March 10, 2015, 5:31 pm

    There is actually a new patch coming sometime soon (in Blizzard's words "when its done"). Just be careful when you play online, there are a LOT of cheaters, mostly trying to trade you duped items. Last time I played, I had a level 80 Paladin and traded for tons of cool gear, and one day, all of it vanished, *poof*. Blizzard's only tactic for dealing with duped items is to delete them, regardless of whether or not it was you that duped them. So, dont trade unless you trust the person, basically.

    Reply

  • damnatreides

    damnatreides

    March 11, 2015, 6:26 am

    When we first stared dating, the Bear and I would play dynasty warriors 4 to no end. It led me to take a serious interest in Chinese literature. While I was living illegally at a house in my jr year of college just before he was going to USAF BMT, I downloaded the Japanese anime of Romance of the Three Kingdoms. We watched it and sometime around when Liu Bei saw the guy in the cage, the Bear proposed to me.

    Seconds later, the Lesbians in the Attic burst in from a night at the bar, saw the ring, and got all squeally.

    Married a little over a year; dated for 7 years. Had Zombie-Pirate-Ninja themed wedding at the Paris Hotel in Vegas.

    Reply

  • saw2239

    saw2239

    March 10, 2015, 6:53 pm

    Wouldn't it be easier to just make uniform, federal guidelines? I understand that goes against the whole "states rights" argument that Republicans usually stick with but then again they're the ones making this argument.

    Also with that in mind, aren't most insurance companies just branches of the same company, just diversified into other states. For instance Blue Cross is located in various states and is multiple companies but don't they still fall under the same umbrella corporation? So would allowing cross-state competition just allow these companies to consolidate and take us right back where we began with too few choices?

    Reply

  • dkesh

    dkesh

    March 11, 2015, 5:17 am

    No, numbers never do. You need people to interpret the numbers, to talk to the people affected, etc. That role of intermediary--somebody who lives in Washington and converses both with Congresspeople and people outside of Washington--is currently being held by lobbyists, paid for by corporations, industry groups, non-profits, etc.

    But that role could just as well be played by staff, paid for by the government. Government could (and does) employ people to go out and find out what's happening, to talk to industry and to talk to non-profits, to talk to others who don't currently have their own lobbysists. It doesn't have to be fulfilled by lobbyists.

    Reply

  • pomo

    pomo

    March 10, 2015, 4:41 pm

    >their thing to end it not a governments

    In Oz, we have universal health care. Tobacco is a major health problem here as well, and it puts a strain on the health system. The government here increases taxes on cigarettes all the time. A pack of 25 is about A$12 or US$10. These taxes are diverted into the health system (supposedly). We are slowly getting to the point where smoking will not just be unaffordable, but banned. Here, it IS the government's job to protect the health of its citizens. Or is Australia just some socialist banana republic? We also have private health insurance for those who choose to take it up. These people get a rebate on their taxes. It works so well, I don't know why the US doesn't just copy it lock, stock and barrel.

    Reply

  • bluecalx2

    bluecalx2

    March 10, 2015, 5:13 am

    The funny thing is, in my experience, I feel like people have become so distrustful of government (for good reason) that they're willing to trust private institutions more. Overall, I'd say that big business is far better at marketing themselves than big government, although they've been catching up pretty quickly in recent years. I can't help but feel that we're trading one form of power for another. As individuals, we simply don't have same resources as either the US government or the Fortune 500. We're led to believe that we can change these institutions, either with our votes or with our dollars. But these are not self-destructive institutions. Having money and power gives you a lot more influence over those who don't. They'll use it to protect themselves, to hide their corruption from the general public or change laws to justify their crimes. We can try to educate people on this or that issue and make a really change, but we simply can't compete with those kinds of resources. The only way that I can see to prevent that is to abolish those institutions that allow it to happen.

    Reply

  • moonzulu

    moonzulu

    March 10, 2015, 9:00 pm

    Probably true. I was rather hoping that domestic manufacturers would raise their game, although higher costs make it tough. The U.S. may design good products, but free trade leads ultimately towards converging incomes globally. Since the U.S. has led the world in income and consumption for a long time, it's not surprising that the U.S. comes out on the short side of that. But the U.S. is still a superior piece of relatively uncrowded real estate [36 people per sq. km. vs. Europe's 80, China's 180 and India's 380] so relative impoverishment is not in its future.

    Reply

  • spinwizard69

    spinwizard69

    March 11, 2015, 2:52 am

    One more thing.

    There was mention or suggestion that you should look for a forgiving language to which I say BS. If you really want to learn the more the compiler do to find your mistakes the better. If you decide to go the C route look into the CLang compiler and the associated static analyzer.

    The idea is that good feedback leads to faster learning. Which is probably why many here suggest dynamic languages. With modern hardware and compilers the turn around for student type programs is very quick so i wouldn't discount compilers based on interactiveness.

    Dave

    Reply

  • dkfjsal

    dkfjsal

    March 10, 2015, 12:10 pm

    I was always into music, one of those guys who has a thousand instruments but can't play any of them that well.

    I decided that I'm going to focus on one, and in the process go to community college for music theory. I'm finishing up my associates, and am about to audition for a couple schools, thats in the spring, as a composition major.

    Since composition and piano go hand in hand (a dazzling amount of composers at least have a limited mastery of the piano), I went full force toward the piano. I don't have any high hopes of being a virtuoso, I just want to be good enough to play some Chopin and Ravel, and to sight read jazz standards. I'd also like to teach, Community College wouldn't be a bad gig, though I'd have get a masters for that.

    Reply

  • jlbraun

    jlbraun

    March 11, 2015, 12:30 am

    Well, because I'm a Buddhist - Burma. Something about seeing people of one's own religion floating dead down rivers after being executed modified my view on gun control from "who needs 'em, guns should be banned, people are too stupid" to "hm, gun laws don't really dissuade those that want to kill me and those like me. And when the government decides they want you dead, they ban guns to make it easier. How does this thing called an 'AK-47' work? Can I buy it now? Splendid. One case of ammo, please. Where might I get some training? Thank you, sir. Namaste and good day."

    I don't hunt, of course. :)

    Reply

  • RampagingNarwhal

    RampagingNarwhal

    March 10, 2015, 3:09 pm

    >you cannot effectively oppose capitalism (which many fregans do) and then proceed to benefit from it without being a hypocrite

    How is this at all true? By that admission all whites who participated in the civil rights movement were hypocrites, as they benefited from discrimination while they marched. People effectively oppose systems while living in them all the time. Spies and double agents have a country's citizenship and are very effective in opposing them.

    You say they are hypocrites, but that just isn't true. First, a hypocrite has to "profess beliefs and opinions that he or she does not hold in order to conceal his or her real feelings or motives". Freegans don't conceal their motives or feelings at all. They feel our capitalist system is unjust, and they don't want to help it.

    Even if you go by your definition of a hypocrite, someone who uses and engages in something they feel is unjust (i'm just guessing this from context, i don't know what you think it means), they still aren't. Accusing someone of hypocrisy implies they have a choice in the matter, that there is some way they can avoid being one. Its impossible to disengage from the capitalist system. Very little land is not privately owned, I guess you could go to international waters, but because the system controls all means of production and all raw materials and doles them out to corporations it would be impossible to build a ship or anything. To argue by analogy, by your definition a German freedom fighter would be a hypocrite for opposing the Nazis and Hitler, and it would literally be impossible for him to not be one. If a getstapo agent pulled him over on the side of the road, shoved a gun in his hand, and pulled the trigger for him, and made him shoot another fighter or execute a gypsy, he would be a hypocrite.

    Reply

  • walrus0

    walrus0

    March 10, 2015, 4:31 pm

    Get a good quality backpack with waist belt and well padded shoulder straps, make sure it fits well. Start with North Face if there is a local north face dealer that sells hiking packs. Don't cheap out.

    People think you're crazy because you're going to Europe as a single female? Obviously because Europe is so dangerous and single women are attacked constantly! I can understand thinking it's crazy if you were going to, say, the northern areas of pakistan for 6 weeks as your first ever overseas trip... But "Europe"?

    Reply

  • roxm

    roxm

    March 10, 2015, 7:33 am

    Don't get me wrong. I'm not anti-makeup. I'm just pro-healthy-body-image. There's nothing wrong with women putting on makeup to cover a blemish, or wearing nylons to even out the skintone of their legs; just as there's nothing wrong with men lifting weights to bulk up their biceps, or doing 500 crunches a day to keep their six-pack intact.

    The problem is that we're surrounded by these images of impossibly perfect beauty, and the message is "if you don't look like this, you're not attractive." Sure, it gives us something to strive for, but the pinnacle can't ever be reached, and we're killing ourselves trying to get closer to it.

    For every girl who is more self-confident because she's learned how to apply makeup correctly, there's a girl whose skin is irritated by makeup and has to choose between looking 'ugly' in public or trying not to claw off her face during the day. For every guy who loses 200 pounds working out three times a week, there's a guy who is so driven to keep the weight off that he pushes himself over the limit and has a heart attack at 30. For every girl who gets an implant in one breast to even them out, there's ten girls who are convinced that size C breasts aren't big enough and scar themseives for life. For every guy who gets his ass off the couch and starts bulking up his arms, there's a guy with 22" biceps who beats his girlfriend once a week in a steroid rage.

    I don't have a problem with there being an ideal figure. I have a problem with the ideal figure being a caricature of a human, and I have a problem with people telling me that I'm not good enough to get the girl unless I'm glistening with sweat and have washboard abs and 0% body fat, and that the girl isn't any good unless she's got breasts the size of her head. It's bullshit and I'm sick of it.

    Reply

  • bradtwo

    bradtwo

    March 10, 2015, 8:10 pm

    I had a lot of issues with the second hospital sending the bills straight to me and demanding payment. That I think was one of the most annoying experiences I have ever had. They would send separate bills for everything. At one time I had this huge pile of papers just from that one hospital. Plus I was getting different bills from every division of the hospital. So in the end what my father did was wait a month, despite the whole threats and all that, and we dropped the bill off at the insurance company. Which was the last time I heard about any of the bill stuff. I think my insurance company contacted the hospital and threatened or something because no more bills, and I knew there were more that came, ever came to my house for anything like that.

    Yeah hospitals billing departments really dropped the ball on that one.

    I was getting a weekly bill for the food I ate, and I was in the hospital while I was getting these bills.

    Reply

  • otterplay

    otterplay

    March 10, 2015, 11:02 pm

    As a person who has spent a lot of hours talking about Polanski over the last few days here at reddit, I'll respond to what I feel is a very personal attack.

    Hmmm....these kind of threats are not surprising from folks who think and talk vindictively about such things. It just serves to show readers the kind of character that those who are so angry have.

    My first reaction, would be to tell you, hoyfkd, that I think that the statement would show that you do *not* want bad things to stop in your world. Instead, you want to indulge yourself in a vengeful attitude, which others could choose to act on, if talk like that ramps them up enough. I would go further to tell you that your motivations seem pretty impure to me. And the results of the kind of vigilantism which seems to underly your sentiment would lead to a hellish future for your community or our nation if other people follow suit, and copy this kind of threatening posture you have towards those with whom they disagree. I wish it were as simple as to ask you to stop polluting the Usa with this kind of attitude, and that lynchmob mentality - but I realise that the Usa has an ethic of free speech, even for folks who talk like this. However, people can't easily hide arrogance or a violent attitude behind concepts such as "justice," and "patriotism;" their character is still pretty obvious, even if they do manage to silence those who disagree with them using this threatening attitude.

    TLDR version - please learn to be nice to others on the internet.

    Reply

  • godlived

    godlived

    March 11, 2015, 5:41 am

    I used to love Encyclopedia Brown and the two-minute mystery series when I was in elementary school and must have read almost every one of them. I just bought the two-minute mystery series earlier this year, and after rereading them, I found that it has lost it's luster. If you want to read solve it yourself mysteries, I would recommend that you read Hy Conrad's books. His books are sort of like Encyclopedia Brown's, except it's aimed at adults. It's very well written, doesn't need you to know trivial stuff, and a lot harder to solve.

    Reply

  • cgeorgan

    cgeorgan

    March 11, 2015, 6:18 am

    I'm not going to lie - I turned my brain off to your argument as soon as you said "fucking". Just not a classy move. As for the rest of your argument, I suppose more words = better argument (at least on your end). I stick by what I said.

    Re: Statistics - It should have been obvious by some of the things I wrote to you that I have a general understanding of the subject. It's usually funny to watch people do this sort of thing, like a lawyer trying to squeeze the camel through the eye of reasonable doubt. "Here's a statistical lie - ergo, these statistics are lies."

    Lastly, it was obvious to me right off the bat that you had made a value judgment regarding the work of a government secretary vs. a burger flipper. That's *your* mistake in your words - not mine in my understanding.

    Reply

  • rgower

    rgower

    March 10, 2015, 9:20 pm

    You can't check preflop (unless you post, which is almost never good)

    If the pot hasn't been opened, and you're playing 6 handed, raise from any position. If someone else has already raised the pot, you can call or 3 bet (reraise) depending on how aggressively you want to utilize your position and depending on the opponents stats. Never ever go all in preflop with 22 in a ring game

    You'll notice that any answer to a strategy question is going to have a lot "depends" in it.

    ps - I'm a ring game pro not tournament pro, tournaments require a very different style.

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