Subscribe: Comments for Seattle Bubble
http://seattlebubble.com/blog/comments/feed/
Added By: Feedage Forager Feedage Grade B rated
Language: English
Tags:
blah blah  blah  blockquote  comment rel  comment  kary krismer  kary  onclick  quote  rel  replyto  return  seattle area 
Rate this Feed
Rate this feedRate this feedRate this feedRate this feedRate this feed
Rate this feed 1 starRate this feed 2 starRate this feed 3 starRate this feed 4 starRate this feed 5 star

Comments (0)

Feed Details and Statistics Feed Statistics
Preview: Comments for Seattle Bubble

Comments for Seattle Bubble



local real estate news, statistics, and commentary without the sales spin.



Last Build Date: Fri, 17 Nov 2017 22:39:27 +0000

 



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Fri, 17 Nov 2017 22:39:27 +0000

By N @ 208:
Honestly, if the majority of this country paid the full cost of their insurance rather than getting it subsidized as a benefit through their employer (which causes it's own problems because insurance companies don't treat you like a customer as the real customer is our employer) I'd bet a large portion of families in this country would have higher med insurance than mortgages.
Well, it depends. You're probably right if it involves the low deductible plans most employers provide, but few people would probably buy those plans if they used their own dollars because it typically doesn't make sense. Kaiser is one of the few places I've found that still publishes rates for various ages all on one page, and here's their rates for the Bronze plan. One thing I didn't notice until now is that their rates for King County are lower than for the rest of the state. I wonder if that's true for the traditional insurers too? https://wa.kaiserpermanente.org/static/individual-family/pdf/2018/bronze-rates.pdf



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by N

Fri, 17 Nov 2017 21:25:41 +0000

@ 207 Anonymous Coward: The rent may continue after 30 years but don't forget all the other costs over the years in maintaining a house + property taxes and insurance won't stay static. Around here if you assume $100k down payment that's a pretty good start to that investment fund plus all the rent savings over the years plus no $50k kitchen remodel, updating windows, plumbing, roofs etc that would creep up towards the initial cost of the house you paid. Another words, your investment in the house is just beginning with the purchase. By the way, that $100k would turn into $1.1M in 30 years at 8% assuming you added nothing else to it. If a case was to be made for home ownership from an investment point of view it would start with leverage, assuming you view that as a favorable thing.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by N

Fri, 17 Nov 2017 21:16:27 +0000

By Ardell DellaLoggia @ 206:
RE: Saffy The Pook @ 197 - Thanks! I read the comments pretty religiously, but pass when I see healthcare. But the comment that someone's healthcare was more than their house payment was disturbing and an eye opener. Still not quite as alarming as childcare costs! The old 28%/36% mortgage math needs to be redone from scratch to include these things plus internet and cell phone and cable costs. My sister that I mentioned above has been a mortgage underwriter and volunteer budget planner for the poor for decades. I'll have to see what she's using for budgets for mortgage purposes these days.
Honestly, if the majority of this country paid the full cost of their insurance rather than getting it subsidized as a benefit through their employer (which causes it's own problems because insurance companies don't treat you like a customer as the real customer is our employer) I'd bet a large portion of families in this country would have higher med insurance than mortgages. The number I heard recently was that nearly 70% of people receive coverage through an employer, either directly or through a spouse or family member's employer.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Anonymous Coward

Fri, 17 Nov 2017 21:11:56 +0000

RE: ess @ 198 - The other problem is that it would appear they did the stupid/easy analysis and only looked at appreciation of $X dollars used for a down payment vs the same amount invested. They didn't consider that your prinicpal payments stop after 30 years, but your rent doesn't. If they had done the much more complicated math, they would've included it and not thrown it out and included only some silly % chart that doesn't really tell any one anything about how they did their math...



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Ardell DellaLoggia

Fri, 17 Nov 2017 20:19:04 +0000

RE: Saffy The Pook @ 197 - Thanks! I read the comments pretty religiously, but pass when I see healthcare. But the comment that someone's healthcare was more than their house payment was disturbing and an eye opener. Still not quite as alarming as childcare costs! The old 28%/36% mortgage math needs to be redone from scratch to include these things plus internet and cell phone and cable costs. My sister that I mentioned above has been a mortgage underwriter and volunteer budget planner for the poor for decades. I'll have to see what she's using for budgets for mortgage purposes these days.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Ardell DellaLoggia

Fri, 17 Nov 2017 19:55:04 +0000

Just an eye opener of sorts. I'm helping my sister with getting her house ready for market. I'll fly out there after the holidays. I helped her buy it in 1993 for $193,000 and it's a little over double. Great area. Great Schools. I'm looking at this one near here and there has been hardly any price movement since 2011. https://www.redfin.com/PA/Lansdale/1710-Meadow-Glen-Dr-19446/home/38859669 The one above near her sold in 2011 for $425,000 and then in 2015 for $435,000 and the Zillow and Redfin Zesti-Esti-mates have it at about the same price today. Compare that to the listing I just sold that tripled since 2002. A little perspective.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Fri, 17 Nov 2017 17:41:04 +0000

By ess @ 203:
By Kary L. Krismer @ 199:
RE: ess @ 198 - You're right but I would add we live in an economy dependent on spending, and largely spending on stuff we really don't need and which won't last. I really wonder where that is going to lead us. We've become the grasshopper in the grasshopper and ant story.
And the real estate remodeling craze is a prime example for that. Exhibit A - remodeled kitchens and bathrooms. It has always amazed me that perfectly good and functioning kitchens and baths are replaced, the cost running tens of thousands of dollars, because they are "outdated". My kitchen has the original counters and cabinets. I don't think replacing it would improve the quality of my cooking any, but it would certainly decrease the quality of my savings account.
I once listed a 16 year old above median house where a younger couple walked in during an open house and commented that the kitchen would need to be remodeled. The kitchen was in pristine condition, so it was seemingly the age of the kitchen they objected to. Apparently functionally obsolete at only 16. That said, I can see that significantly older is often dated, particularly if the design was trendy (e.g. stuff in the 70s). If it wasn't particularly high quality to begin with, I don't see a big issue replacing it, but you're right that the functionality won't improve (unless maybe the bathroom remodel includes adding a bidet). But unfortunately some very nice high quality wood gets thrown out just because it's dated.


Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by ess

Fri, 17 Nov 2017 17:28:00 +0000

By Kary L. Krismer @ 199:
RE: ess @ 198 - You're right but I would add we live in an economy dependent on spending, and largely spending on stuff we really don't need and which won't last. I really wonder where that is going to lead us. We've become the grasshopper in the grasshopper and ant story.
And the real estate remodeling craze is a prime example for that. Exhibit A - remodeled kitchens and bathrooms. It has always amazed me that perfectly good and functioning kitchens and baths are replaced, the cost running tens of thousands of dollars, because they are "outdated". My kitchen has the original counters and cabinets. I don't think replacing it would improve the quality of my cooking any, but it would certainly decrease the quality of my savings account.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by softwarengineer

Fri, 17 Nov 2017 17:16:22 +0000

RE: Kary L. Krismer @ 199 - The Grasshopper"New Seattle Home" Building Material We Now Use: Ground up branches and tiny tree trunk saw dust mixed with glue, "glueboard";...instead of floor planks and solid wood exterior panels...LOL Sheet rock made with Chinese toxic poisons to breath later [the same toxic garbage they put in the dog food?].... Housing Developments where all the cheap material giant "energy eater" new homes are "pastel tan" colored on postage stamp lots 5 feet from your neighbor... Giant "Seattle area" Property Tax increases every year and King County now adds more to your water and sewer charges [just because]....ohhhhh....$300 car tabs for the train to nowhere....






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by softwarengineer

Fri, 17 Nov 2017 16:54:41 +0000

RE: Kary L. Krismer @ 189 - Yes Kary Haughty/Rude Open Border Progressives Love to Claim They're Victims They even complain if they don't like an email from an educated "true news" source that disrupts their politics and blames the sender for being rude? How about send it automatically to the trash bin instead and stop being an obnoxious unprofessional creep? IOWs trash it and shut up. This is the kind of stuff we talk about in Toastmasters BTW.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by ess

Fri, 17 Nov 2017 16:38:01 +0000

https://www.marketwatch.com/story/renting-is-better-than-owning-to-build-wealth-if-youre-disciplined-to-invest-as-well-2017-11-17 The latest salvo in the rent vs. owning real estate debate. The only problem is the issue of being disciplined to actually save. Don't know how many renters are able to save in the amounts that suggest renting is a better outcome than owning. Owning one's own residence is a great forced savings mechanism, assuming all the equity isn't refinanced for other goodies. But we reside in a hyper consumer oriented society where everyone has to own the latest version of everything, at the expense of saving anything. Many tenants are living paycheck to paycheck, and their lifestyles would require dramatic alteration to change that basic economic factor.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Saffy The Pook

Fri, 17 Nov 2017 14:32:30 +0000

By Deerhawke @ 188:
Blah blah blah Obamacare blah blah blah health care blah blah blah Kary venting about his insurance premiums blah blah blah Bubble Trouble troll spewing Trump brown-brained talking points trying to make converts among the ignorant blah blah blah Kary complaining about blah blah blah and blah blah blah and on and on for about the last 100 posts and last several days. Kary get over it and move on. Ardell, thank you for staying on topic. Justme @ 165. I am amazed we have something we agree on. Time to move back to this site being about real estate in the Puget Sound region.
Amen! If it weren't for you, Ardell, Boater, and a few others I'd delete my Pink Pony bookmark.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Fri, 17 Nov 2017 01:14:52 +0000

By ess @ 194:
And I assume that premiums are also going up for those who "obtain" health insurance through their employment.
My only reference on that is for my dad where the same coverage next year on his federal retirement coverage would have been 17% more, which is only about a third of the percentage increase I had for the same coverage. Fortunately he had other options to save money too. I'm not sure why his would have gone up so much.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Blake

Thu, 16 Nov 2017 23:44:17 +0000

By ess @ 194:
My principle and interest payment on my residence was higher than my monthly medical insurance premium. Those two switched places in terms of which was more expensive some years ago, which I noted as an ominous sign even back then. These days it is much worse.
Holy sheeet! That's ominous and you make a good point about the cost of healthcare being a drag on the economy. People are also spending less at restaurants and malls. Household income has not nearly kept up with the cost of living in this country... especially in places like Seattle.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by ess

Thu, 16 Nov 2017 23:23:00 +0000

While health insurance is not the primary topic of this website, it is of interest because I think premiums and payments, especially for the individual market are going to be so high that sooner or later they impact everything, including the real estate market. It probably is right up there with student loans why people can't afford to buy a residence. And I assume that premiums are also going up for those who "obtain" health insurance through their employment. I remind all that health insurance, as well as all salary and benefits are a function of the employee producing enough on the job to justify the expense of his or her employment. The employer doesn't "give" anything. and when the employee doesn't justify the expense of his or her employment - hello unemployment office. Thus rising insurance premiums, even for those who "get it" at work, just limits the amount of income that person may earn if premiums weren't so high for everyone. And as an aside, my principle and interest payment on my residence was higher than my monthly medical insurance premium. Those two switched places in terms of which was more expensive some years ago, which I noted as an ominous sign even back then. These days it is much worse.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Thu, 16 Nov 2017 21:36:22 +0000

By Blake @ 190:
FACT: No private insurance company makes money insuring sick people with chronic conditions and the very poor. The only way it can work is if healthier people subsidize the costs of care for the infirm and destitute. If any of you can't understand that then you do not understand how insurance works!
Yep.
Aetna projected around $225 million in losses from its exchange plan businesses this year following a loss of $700 million for 2014 through 2016.
https://www.reuters.com/article/us-aetna-obamacare/aetna-fully-exits-obamacare-exchanges-with-pull-out-in-two-states-idUSKBN1862XK Which is why they pulled out entirely.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by kenmorem

Thu, 16 Nov 2017 21:30:44 +0000

By Blake @ 190:
By Kary L. Krismer @ 189:
RE: Deerhawke @ 188 - Now quit wasting our time with your worthless ignorant opinions.
FACT: No private insurance company makes money insuring sick people with chronic conditions and the very poor. The only way it can work is if healthier people subsidize the costs of care for the infirm and destitute. If any of you can't understand that then you do not understand how insurance works!
don't worry. this is 'merica. pull yerselves up by yer bootstraps. medical coverage is for the weak. kary is the hardest working REA in the world, and he should actually be getting 10% fees, not 6%.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Blake

Thu, 16 Nov 2017 19:21:14 +0000

By Kary L. Krismer @ 189:
RE: Deerhawke @ 188 - Now quit wasting our time with your worthless ignorant opinions.
Oh come on Kary... Deerhawke and you are some of the only people here that I regularly read because you both (usually) provide some real facts and information and not just knee-jerk ideological drivel! Yes, we've kicked the dying ObamaCare horse enough already, but healthcare costs ARE a terrible problem for our country that will continue to bankrupt millions of citizens and drain our treasury, while millions of the poor and sick get NO care... that is "rationing" (based on income) and shameful for one of the richest societies in world history. AND our healthcare and insurance system is incredibly inefficient, wasting at least 15% on admin and overhead. US healthcare spending is $3.2 trillion per year, so that works out to an extra $500 billion per year or 2.7% of our GDP on paperwork!!! FACT: No private insurance company makes money insuring sick people with chronic conditions and the very poor. The only way it can work is if healthier people subsidize the costs of care for the infirm and destitute. If any of you can't understand that then you do not understand how insurance works!



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Thu, 16 Nov 2017 16:54:02 +0000

RE: Deerhawke @ 188 - In case you haven't noticed, I'm not the only one talking about Obamacare. The reason this is of interest right now is it's the enrollment period for people with their own insurance, and they are being screwed. The other reason it's of interest is it's now being tied into the tax proposals Also, in case you haven't noticed, I'm not stopping anyone from posting on any topic. Also in case you haven't figured it out, you don't have to read things I write. Now quit wasting our time with your worthless ignorant opinions.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Deerhawke

Thu, 16 Nov 2017 16:35:54 +0000

Blah blah blah Obamacare blah blah blah health care blah blah blah Kary venting about his insurance premiums blah blah blah Bubble Trouble troll spewing Trump brown-brained talking points trying to make converts among the ignorant blah blah blah Kary complaining about blah blah blah and blah blah blah and on and on for about the last 100 posts and last several days. Kary get over it and move on. Ardell, thank you for staying on topic. Justme @ 165. I am amazed we have something we agree on. Time to move back to this site being about real estate in the Puget Sound region.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Thu, 16 Nov 2017 15:04:17 +0000

By redmondjp @ 185:
Oh Ron, you really should smoke some weed and chill out. Nobody will be kicked off any plan. But people may decide to not have health insurance. Oh, the horror!
In Ron's defense, the press is reporting people no longer being forced to buy coverage as people losing coverage. And in related news, the CBO is saying this change will cause the cost of insurance to increase by 10% over the next several years. My smartass response would be that only going up 10% would be a huge improvement. My serious response is I don't think the CBO has a very good record of predicting these things and that the real increase will probably be much higher (as have been the past real increases).



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by redmondjp

Thu, 16 Nov 2017 05:59:16 +0000

By ronp @ 184:
I predict the slow down has arrived. Trumpcession is (nearly) on like donkey kong. SFH price increase in King County next year will be 3.5%. Then five years of sub-3% increases. Then another slight bubble. US health care will still cost more than any other country but lots of people kicked off their ACA plans when the Republican tax bill passes.
Oh Ron, you really should smoke some weed and chill out. Nobody will be kicked off any plan. But people may decide to not have health insurance. Oh, the horror!



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by ronp

Thu, 16 Nov 2017 00:55:53 +0000

I predict the slow down has arrived. Trumpcession is (nearly) on like donkey kong. SFH price increase in King County next year will be 3.5%. Then five years of sub-3% increases. Then another slight bubble. US health care will still cost more than any other country but lots of people kicked off their ACA plans when the Republican tax bill passes.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Blake

Wed, 15 Nov 2017 20:22:57 +0000

By Kary L. Krismer @ 172:
I can't believe that the Republicans are still proposing to do away with the individual mandate as part of the tax bill. First that's unbelievable because they don't seem to understand that without a lot of people enrolling for insurance Obamacare will get even worse, and that's not good for anyone (until it collapses).
I am endlessly impressed by the stupidity of Trump and the Repubs. ObamaCare was collapsing on its own due to its faulty design and the Repubs could have just stood by an watched. Now they are pulling the plug and sinking it and THEY WILL BE BLAMED! Ha hah... idiots. There are going to be millions of angry voters at the polls next year! I also hope they pass their rotten tax cut package. They've been touting their own propaganda about each family getting $4,000, which is total BS and only raises expectations. Most people will get pennies while the 1% and 0.1% get millions. And it will add another $1.7 TRILLION to the deficit in the next 10 years. Always a big Repuglican priority and always popular with the voters. LMFAO!! https://www.cbo.gov/system/files/115th-congress-2017-2018/costestimate/hr1deficitsanddebt.pdf Cuts to Medicare and Medicaid too... why don't they go after the "third rail" Social Security too? (I keep reminding all my friends and family that we should be thankful that Trump and the Republican leadership in Congress are completely incompetent and incredibly stupid! They are doing a lot of damage, but it could be so much worse. 37% approval for Trump and 16% for Congress and that's when the economy is good! Imagine where their ratings will be next year if the Fed keeps raising interest rates and brings on a recession?)


Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Wed, 15 Nov 2017 19:25:10 +0000

RE: uwp @ 180 - Given how bad last Dec 1 was, I'm not sure that being slightly better would be that significant! FWIW, on the searches I do regularly I've noticed a significant downturn in the number of new listings the last 2-3 weeks, but most those searches are for either specific things or relatively small areas. None are broad based searches.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by uwp

Wed, 15 Nov 2017 19:04:15 +0000

In more RE focused news, it seems like SFH inventory is slowly drifting closer to last year's numbers. It's gone from ~20% less this summer, to 15% less in September/October, and now around 10% less(per sidebar tracker). Perhaps next year might be the first in a while where inventory is better than the previous year. Maybe.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Wed, 15 Nov 2017 18:37:57 +0000

Since we're talking so much about Obamacare, I found this site useful for the premium credits, although I'm not sure it's 100% accurate. https://www.healthinsurance.org/obamacare/subsidy-calculator/ Washington's site has nothing on this, and apparently you're just supposed to fill in different income levels into your application to see what the credit would be at those different income levels. But apparently if you try too many numbers they'll make you prove your income! Filling in my information the income cutoff seems to be $65,000. $1,000 below that and I would get an annual credit of just over $4,000 a year (presumably total for the both of us), and with half that income the credit would roughly double. And this site also shows the penalty you have to pay if you don't have insurance. At that income level it's only about $1,600, and that is one reason why Obamacare isn't working. An uncollectible penalty which doesn't even cover three months of premiums isn't going to get a lot of people to sign up for insurance.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Wed, 15 Nov 2017 14:48:22 +0000

Here's an odd little article from Nathan Robinson on the effect of rich people in neighborhoods and AirBNB, etc. https://www.currentaffairs.org/2017/11/the-wealth-made-city Surprisingly it's about New Orleans, which isn't exactly the city I think of when I think of wealth.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Wed, 15 Nov 2017 14:46:27 +0000

By Eastsider @ 174:
By Kary L. Krismer @ 172:
I can't believe that the Republicans are still proposing to do away with the individual mandate as part of the tax bill. First that's unbelievable because they don't seem to understand that without a lot of people enrolling for insurance Obamacare will get even worse, and that's not good for anyone (until it collapses). Second it's unbelievable that none of the Democrats seem to realize that without the individual mandate that Obamacare is unconstitutional--it only got past the Supreme Court based on the power of government to tax! I wonder if the Republicans are thinking along those lines.
There are about 11 million enrollees in Obamacare plans in a country of over 300 million. That is under 3.5% of US population. If getting rid of the mandate for the 1% of the population who pay far more than full-freight will result in the collapse of Obamacare, I say go ahead!
I think that number may be a bit low--perhaps being only those being subsidized. But by collapse I mean the hard working self employed people of this country will no longer be able to buy health insurance because the federal government will be dictating what it needs to be and insurers will be unwilling to provide it. That's what happened 15-20 years ago when the State of Washington tried to make pre-existing conditions illegal in the private insurance market. The insurers eventually pulled out. But I was planning on looking up the number because last night's Blackish was pointing out that there are over 2M people in prison, and I think it was something like 56M people with criminal records. Comparing those numbers to the number of people who are buying insurance themselves makes is rather clear how small the market is (or maybe how much this country likes to lock up people for drug offenses).


Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Eastsider

Wed, 15 Nov 2017 04:37:09 +0000

By Kary L. Krismer @ 172:
I can't believe that the Republicans are still proposing to do away with the individual mandate as part of the tax bill. First that's unbelievable because they don't seem to understand that without a lot of people enrolling for insurance Obamacare will get even worse, and that's not good for anyone (until it collapses). Second it's unbelievable that none of the Democrats seem to realize that without the individual mandate that Obamacare is unconstitutional--it only got past the Supreme Court based on the power of government to tax! I wonder if the Republicans are thinking along those lines.
There are about 11 million enrollees in Obamacare plans in a country of over 300 million. That is under 3.5% of US population. If getting rid of the mandate for the 1% of the population who pay far more than full-freight will result in the collapse of Obamacare, I say go ahead!



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Eastsider

Wed, 15 Nov 2017 04:28:09 +0000

By Bubble Trouble @ 168:
Now back to reality....I am going to pay $1000 a month with a $12,000 deductible. 5 years ago my plan was $450/mo with a $2500 deductible. This is the reality your party created. You can spin all you want, it has been an unmitigated disaster in any and all possible ways.
I look forward to the day IRS imposes tax on employer provided 'Cadillac' health plans. Many union families will face a $4k tax bill. But of course it is Republicans' fault!



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Wed, 15 Nov 2017 04:24:15 +0000

I can't believe that the Republicans are still proposing to do away with the individual mandate as part of the tax bill. First that's unbelievable because they don't seem to understand that without a lot of people enrolling for insurance Obamacare will get even worse, and that's not good for anyone (until it collapses). Second it's unbelievable that none of the Democrats seem to realize that without the individual mandate that Obamacare is unconstitutional--it only got past the Supreme Court based on the power of government to tax! I wonder if the Republicans are thinking along those lines.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Bubble Trouble

Wed, 15 Nov 2017 02:46:19 +0000

By Kary L. Krismer @ 152:
RE: Bubble Trouble @ 150 - I'm not sure what post you're referring to, because I am on the Exchange. I've mentioned things about employer coverage too, but it's been years since I've been on an employer plan. I wrote about being on the Exchange earlier. Since Obamacare fully went into effect: 1. I had to sign up for a more restrictive PPO insurance policy (UW Provider) to keep my rate increase in the area of about $100 a month; 2. Then the next year to get that same coverage I had to join the Exchange; 3. Now this year coming up that carrier and that coverage no longer exists on or off the Exchange and the closest thing to it is over $300 a month more than what I've been paying, so now I'll be having to go the HMO route, giving up my doctors.
Stop complaining. A study said it's awesome and if you disagree you're just stupid and don't understand the awesomeness of Obama-Power. Don't believe your own personal experineces. Those are meaningless. Instead listen to your betters in the MSM (who have never had to buy insurance on their own) and Democrat funded "public policy research groups" who would never tell al lie. - Liberals Since 2013





Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Bubble Trouble

Wed, 15 Nov 2017 02:40:03 +0000

"ACA reduced the number of bankruptcy filings. In 2010, 1.5 million people filed. That dropped to 770,846 by 2016." Gee you don't think the fact that the economy in 2016 was in much better shape had anything to do with that do you? Nah. Has to be Obamacare. You guys get more and more desperate trying to defend this turd. And you want a study...OK here's a study... https://www.americanactionforum.org/research/update-obamacares-impact-small-business-wages-employment/ "Research from the American Action Forum (AAF) finds regulations from the Affordable Care Act (ACA) are driving up health care premiums and are costing small business employees at least $19 billion in lost wages annually. These figures varied by state, but in 2015 the ACA cost year-round workers $2,095, $2,134, and $2,260 in Ohio, New York, and North Dakota, respectively. Premium increases, a prospect regulators predicted when issuing the first ACA regulations, also significantly diminished the number of business establishments and jobs nationwide. Across the country, small businesses (20-99 workers) lost 295,030 jobs" Hooray!!!



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Bubble Trouble

Wed, 15 Nov 2017 02:33:20 +0000

"ACA would work great if the GOP would take their collective boot off of it for a just a year or two. They have done everything humanly possible to discredit it, damage it, defund it. from lawsuits to refusing free money… the Rs have done everything to make sure it cost more and does less." Priceless. The thing that was created by Democrats and run by Democrats for 5 years is collapsing because of Republicans. LOL. Now back to reality....I am going to pay $1000 a month with a $12,000 deductible. 5 years ago my plan was $450/mo with a $2500 deductible. This is the reality your party created. You can spin all you want, it has been an unmitigated disaster in any and all possible ways.






Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by redmondjp

Wed, 15 Nov 2017 01:01:41 +0000

By greg @ 160:
RE: ronp @ 157 - ronp you are wasting your time. They know nothing about the many and varied very successful healthcare models outside of the USA. and what is more, they don't want to. They would rather pay 3 times as much, get lousy periodic coverage, deal with all sorts of hassles than admit they got it wrong. the only people who would be harmed by a national plan, are the folks who profit from the status quo, and they donate billions to maintain the status quo. ACA would work great if the GOP would take their collective boot off of it for a just a year or two. They have done everything humanly possible to discredit it, damage it, defund it. from lawsuits to refusing free money... the Rs have done everything to make sure it cost more and does less. In the end we will move to a national healthcare plan, but the old Rs will block it as long as they can.
You are so completely clueless there, Greg. It was doomed to fail from the start BY DESIGN - just ask Obamacare architect Jonathan Gruber who openly admits this. They all knew that the American public wouldn't accept single-payer right away, so they devised Obamacare to fill in the gap, eventually making things so bad that people will gladly accept single payer in the end. And any plan that relies upon unconstitutional executive-order-mandated subsidy payments in order to survive is seriously flawed. And then Trump gets flak for trying to undo an unconstitutional executive order (the president can't obligate our tax money - that's the job of congress)? Wake up and stop believing the propaganda!


Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Justme

Tue, 14 Nov 2017 23:49:22 +0000

Obamacare?? We really need to get seattlebubble back on track. Look at the bright side. We already have excessive debt, massively overvalued corporations, and the Fed unwinding QE AND raising interest rates at the same time. If that is not enough to puncture the Seattle bubble, surely Obamacare will take care of it! (Yes, this is just a bit of pointed humor, don't take the obamacare part too literally)



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Kary L. Krismer

Tue, 14 Nov 2017 23:43:14 +0000

By greg @ 160:
RE: ronp @ 157 - ronp you are wasting your time. They know nothing about the many and varied very successful healthcare models outside of the USA. and what is more, they don't want to.
You don't know what you're talking about. No one has said anything bad about the models outside of the US (until the later post by AC). And if you think that Obamacare would work great but for ___________, you clearly don't understand insurance, markets or healthcare. It was doomed from the start, but unfortunately the supporters of Obamacare are going to make claims like yours, that it's only doing poorly due to opposition.



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by uwp

Tue, 14 Nov 2017 23:41:56 +0000

By greg @ 160:
RE: ACA would work great if the GOP would take their collective boot off of it for a just a year or two. They have done everything humanly possible to discredit it, damage it, defund it. from lawsuits to refusing free money... the Rs have done everything to make sure it cost more and does less.
But if they stop sabotaging government, how will they be able to tell their constituents that government is ruining their lives?



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Doug

Tue, 14 Nov 2017 23:09:32 +0000

Business tax fails: http://www.king5.com/news/politics/employee-head-tax-fails-in-seattle-council-vote/491774142?utm_campaign=trueAnthem:+Trending+Content&utm_content=5a0b75779ebbef00077ff3e3&utm_medium=trueAnthem&utm_source=twitter



Comment on NWMLS: Nearly everything about the Seattle-area housing market continued to tilt in sellers’ favor in October by Anonymous Coward

Tue, 14 Nov 2017 23:03:50 +0000

By greg @ 160:
RE: ronp @ 157 - They know nothing about the many and varied very successful healthcare models outside of the USA.
Since this is becoming the healthcarebubble.com/blog... How many beds/ post-partum room are there in the maternity wards of your favorite healthcare model outside the US? How many beds/post-partum room are there in US hospitals? How does changing who pays for the 1 person/room standard yield the cost savings of having a standard of 6-8 people/room*? And how does changing who pays for the power everything patient beds yield the cost savings of having manual beds? Sure we could scrap a bunch of sunk capital costs, write them off, and remodel our hospitals with more efficient layouts and cheaper equipment... How much money do you think that's going to save and over what time frame? *with a communal bathroom down the hall serving multiple rooms....