Friday, September 15, 2006
Sunday, September 10, 2006
Tuesday, September 05, 2006
Million Dollar Houses
In case you’ve ever wondered “What do people have to earn to be able to live in a million dollar house?”
I did some calculations based on my experience as loan officer. Lending guidelines were from First Horizon.
Here is the summary of what is required:
Summary
The approximate minimum requirements for the purchase of a house valued at $1.25 M are as follows :
1 Yearly income $320,000, verified by CPA or attorney for prior 2 years.
2 $ 142,328 in cash. includes pre-paids, down payment, 6 months verifiable reserves, etc.
3 Credit Score: 700 or higher 680 may be possible, but more out of pocket and interest expense.
4 Not much other debt!
Less than 1500 in other monthly debt payments (not including present house, which it is assumed would be paid off) You need to have less than 45% DTI, and less than this max would be preferable.
I did some calculations based on my experience as loan officer. Lending guidelines were from First Horizon.
Here is the summary of what is required:
Summary
The approximate minimum requirements for the purchase of a house valued at $1.25 M are as follows :
1 Yearly income $320,000, verified by CPA or attorney for prior 2 years.
2 $ 142,328 in cash. includes pre-paids, down payment, 6 months verifiable reserves, etc.
3 Credit Score: 700 or higher 680 may be possible, but more out of pocket and interest expense.
4 Not much other debt!
Less than 1500 in other monthly debt payments (not including present house, which it is assumed would be paid off) You need to have less than 45% DTI, and less than this max would be preferable.
Monday, September 04, 2006
Thursday, August 31, 2006
Saturday, August 26, 2006
Monday, August 21, 2006
Wednesday, August 16, 2006
this is certainly an old bus
an old bus
old buses
HR
Think I took this in early August 06. For some reason, there is a gravity to pictures of him when he is higher than ground level, especially in odd lighting.
Monday, August 14, 2006
Are you still on that bus.
Saw this lot filled with really old city buses, some of them with the boom on the roof that must have once connected to an overhead power supply.
Seen Distantly
What odd connections one finds between people! Felt out of sorts this afternoon, the way I do when I have a fight with my wife. Couldn't put my finger on the cause. Later, I talked with my secretary and she was having the same unsettled feelings.
Saturday, August 12, 2006
Signal Propagation
I don't know how well this will come out, but I thought that it was interesting that the author's message continues to broadcast beyond her or his intended recipient.
Monday, August 07, 2006
Tomorrow's assignment
Please answer the following:
Name of favorite bicuspid?
Approximate level of approximation given when answering questions of this nature? (Be specific.)
Do you believe in the existence of "matter", "space", "time" and "energy"?
What is the purpose of meaning?
Did you ever see an object on the ground, say, for instance, an old rusty paperclip; and did you wonder if you would change the course of your future reality or that of any other being on this planet if you ever so slightly moved this object to the left?
Or did this consume you with a mind-numbing fear of taking action?
List of current psycho-active substances:
Past:
Future:
Thank you.
Name of favorite bicuspid?
Approximate level of approximation given when answering questions of this nature? (Be specific.)
Do you believe in the existence of "matter", "space", "time" and "energy"?
What is the purpose of meaning?
Did you ever see an object on the ground, say, for instance, an old rusty paperclip; and did you wonder if you would change the course of your future reality or that of any other being on this planet if you ever so slightly moved this object to the left?
Or did this consume you with a mind-numbing fear of taking action?
List of current psycho-active substances:
Past:
Future:
Thank you.
Geometrizing
Let there be three points: A, B, C on plane P.
Is the triangle formed by segments AB BC CA the smallest shape possible that intersects these points?
Wouldn't a circle intersecting these three points be the largest shape possible?
No, because you could have a polygon with N sides, only two of which need to to pickup points A, B and C. Bastards!
Is a circle really a polygon with infinite edges? Pilar says it depends on whether a segment can be one point in length.
I don't think it can. I think that is prohibited by the whole thing about a line being shortest distance between two points. Bastards!
But what if the two points are immediately adjacent to one another?
I mean, sure, there are infinite points on any line segment, but each one must have a next-door neighbor.
So couldn't a circle just be a polygon with infinite edges formed by immediately adjacent points?
On the sub-nanoscopic scale, each portion of a circle might look something like this:
0-----0
---0---
The main difference, of course, is that this slight difference in angle would be very, very, very tiny. I have exaggerated the angle it by many powers!
Every point on every circle mirrors the angle of both of its neighbors' OTHER next door neighbor. This is another way of saying that they share the same slope, I suppose.
We will return to this fascinating subject tomorrow.
For homework, please write in your blogs what today's inquiry means to your interior life. In your relationships, are there angles of incidence and reflection? In your cosmos, can you predict the movement of other beings by plotting their angles of right ascension and declination?
Ptolemy dedicated his work to studying "those things that always remain what they are"; to what do you dedicate your attention?
Is the triangle formed by segments AB BC CA the smallest shape possible that intersects these points?
Wouldn't a circle intersecting these three points be the largest shape possible?
No, because you could have a polygon with N sides, only two of which need to to pickup points A, B and C. Bastards!
Is a circle really a polygon with infinite edges? Pilar says it depends on whether a segment can be one point in length.
I don't think it can. I think that is prohibited by the whole thing about a line being shortest distance between two points. Bastards!
But what if the two points are immediately adjacent to one another?
I mean, sure, there are infinite points on any line segment, but each one must have a next-door neighbor.
So couldn't a circle just be a polygon with infinite edges formed by immediately adjacent points?
On the sub-nanoscopic scale, each portion of a circle might look something like this:
0-----0
---0---
The main difference, of course, is that this slight difference in angle would be very, very, very tiny. I have exaggerated the angle it by many powers!
Every point on every circle mirrors the angle of both of its neighbors' OTHER next door neighbor. This is another way of saying that they share the same slope, I suppose.
We will return to this fascinating subject tomorrow.
For homework, please write in your blogs what today's inquiry means to your interior life. In your relationships, are there angles of incidence and reflection? In your cosmos, can you predict the movement of other beings by plotting their angles of right ascension and declination?
Ptolemy dedicated his work to studying "those things that always remain what they are"; to what do you dedicate your attention?
Sunday, August 06, 2006
Saturday, August 05, 2006
A Different Way Today
I seemed to go a different direction. Instead of my usual judgementalism or whatever you want to call it, I heartily approved of everyone around me. I do not know why. I was in a McDonalds when it happened. It felt very light and refreshing, like the way DIET PEPSI CLAIMS to be. Later, as I drove through the meth-industrial ghetto of Oak Grove, I didn't have my usual dream of razing most of the dilapidated structures and replacing them with my own shining vision (something evocative of a paper I once read on economic clustering phenomena made me think that Oak Grove was ripe for: a hub of web application and etail developers merged with singer-songwriter musical entrepreneurship... But first we had to tear down the evil store and convince Powell's and McMenamin's to move in.)
No, instead of my usual daydream of urban renewal and economic grandeur for my adopted hamlet, I felt only a profound Taoist detatchment from my past desires. Meth people are no problem, nor is bureaucratic inertia in Clackamas County. Oak Grove was fine. I was fine. I stopped resisting and finally began to approve of thhe reality I found myself in.
Wednesday, August 02, 2006
Thursday, July 20, 2006
Received this in my email today
Since it has to do with time, I actually read this spam:
metier
factual melodrama snoop
I recently had an argument about why time is relative. My friend found it hard to conceive how time could not be absolute. At that time, when I tried to explain it, I found that it was hard for me see WHY time really is relative. All I could do was state experimental results that indicate it is the case. This shows that thinking you can understand a deep concept at a very shallow, philosophical level doesn't really mean much, but at least it's better than no understanding at all. binge
Newton's laws put an end to the idea of absolute motion. Two people playing ping pong on a moving train would measure the distance the ball bounces on the table (between consequecutive bounce) as lesser than a person standing along the track watching the ball bounce. Both measurements are equally valid since there is no absolute standard of rest. lubricity
Maxwell's equations predicted that light waves travel at a fixed speed. This is something we have to believe, and it arises out of the fact that his equations predicted "there would be wavelike disturbances in the combined electromagnetic field, and that these would travel at a fixed speed, like ripples on a pond." spook
description antimony gratuity
metier
factual melodrama snoop
I recently had an argument about why time is relative. My friend found it hard to conceive how time could not be absolute. At that time, when I tried to explain it, I found that it was hard for me see WHY time really is relative. All I could do was state experimental results that indicate it is the case. This shows that thinking you can understand a deep concept at a very shallow, philosophical level doesn't really mean much, but at least it's better than no understanding at all. binge
Newton's laws put an end to the idea of absolute motion. Two people playing ping pong on a moving train would measure the distance the ball bounces on the table (between consequecutive bounce) as lesser than a person standing along the track watching the ball bounce. Both measurements are equally valid since there is no absolute standard of rest. lubricity
Maxwell's equations predicted that light waves travel at a fixed speed. This is something we have to believe, and it arises out of the fact that his equations predicted "there would be wavelike disturbances in the combined electromagnetic field, and that these would travel at a fixed speed, like ripples on a pond." spook
description antimony gratuity
Thursday, July 13, 2006
Thursday, June 22, 2006
Tuesday, June 13, 2006
Painting
Appears to be acrylic on some kind of masonry. It is located inside the north entrance of 6400 International Way in Milwaukie. (The big new office building you can see from 224.)
I didn't have time to adjust orientation of photo: blue section should be at lower left of frame.
Monday, June 12, 2006
Much of the time we spend alone
Took this picture at the beginning of that strange morning I spent walking in his footsteps.
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HDR: Baseball Trophy 2
OK, I'm afraid of being one of those parents who psychobabbles over his children's accomplishments. It's just amazing to have a kid who likes and excels at playing team sports. I won't say much more. Anyone who has watched him play knows what I'm talking about.
T
Hunter & I agree that C is the most improved player. I wish I had a picture that showed his smile better. HE didn't hit much at all until right near the end. A really nice kid... Always smiling.
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M friend of H
This is the girl on Hunter's T Ball team that he really likes. She's a good player. One time when we had her over at the field for a play date with Hunter, she threw the ball to me when I wasn't looking and hit me in the side of the head.
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Mr. B
MR.B has a beautiful swing, and a very tiny strike zone. When he connects, the ball goes far.
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T Ball Party at Round Table
G was a bit crazy, but this freshman T baller from Oak Grove, OR had excellent form at the plate. My favorite moment with G: one time she was playing in the outfield, noy paying much attention, and I said, "Hey! Want to play baseball?" She said, "No, I want to get a Sno-Cone!"
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A sign from Jahweh?
Just happened to look down after I stopped at 7-11 for some drinks. Mystical.
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Sunday, June 11, 2006
What the world needs now
Why spend valuable time and resources generating tortured language for business. A clever Web 2.0 enginner has put together a brilliant "Bullshit Generator".
Click here: BS
Saturday, June 10, 2006
Friday, June 09, 2006
Thursday, June 08, 2006
tribute
The ancient ones
wrote of a dark knowing.
"Dim your lights and merge with the dust."
Aimlessly, they moved among the people, a blessing to the good and
evil among men. Their way was unplanned and aimless, yet they took great care in everything they didm "like those crossing an icy stream in winter." When the times were ill-favored, they removed themselves in silence, like melting snow."
To attempt is to not understand:
deep knowing requires stillness.
Wednesday, June 07, 2006
Google SMS for Cretins
This is some cool shit. Now you can query Google's servers from your cell phone. Hours of fun for those of you who were always hoping for.
D destination yields directions
T word language translates stuff
C (c((sqrt -4)/2) *m)^2
which I believe translates to what we could do if we used our imagination.
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Funny or sad. -------- Sorry,
Funny or sad.
--------
Sorry, 'public education' did not return any results. For HELP on Google SMS, please reply with 'help' or go to http://sms
Tuesday, June 06, 2006
Friday, June 02, 2006
My 2 lesbian friends
Ok, they're not really lesbian. But I told them I would post their picture with that caption.
Brother Bill
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Rootbeer float at the fabers
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Friday, May 26, 2006
make money without doing anything
this is the dream: I sit around playing guitar, drinking beer, fishing, whatever and every once in a while check a private web page where I monitor the amount of revenue and profit I'm making with various companies. The indicators would be little speed dials indicating profit per hour for our operations. If profit dipped below a couple hundred thousand an hour, I might actually have to call someone, otherwise, I'd just sit around making found art sculptures, pick my nose, eat a taco. Perfect.
Then I'd make even more by showing other people how to make money without doing anything.
Then I'd make even more by showing other people how to make money without doing anything.
Monday, May 22, 2006
Coincidence
I have lots of odd Jungian synchronicities in my life. For instance, just after publishing the preceding post, I went to Fat-Pie to see if there was anything new. Wonder of wonders, Firth's latest offering was an anthropomorphic rendering of the pooping process. It was absolutely hysterical. You can see it here: http://www.fat-pie.com/menfromupthestairs.htm
I'd write more, but I think I have to crap.
Seriously. I'm not joking.
I'd write more, but I think I have to crap.
Seriously. I'm not joking.
Poop
The human body is amazing and mysterious. Every so often, I am startled by the volume of excreta I produce: snot, semen, poop, pee, sweat, saliva, ear wax. It's like my body is trying to set records in all areas.
But crap seems to be its specialty. Normally, I'm as steady as a clock. I have my morning dump, during which I usually scan the headlines of The Oregonian. In the afternoon, I usually shit while pondering some statement of Lao Tzu. (I have the Tao Te Ching on my Treo for this sort of thing.) I'm a twice a day crapper.
Saturday was a four crap day. I think yesterday was three. This morning, I was amazed to see that I had produced something much akin to Mt. Hood. I actually felt lighter, like maybe I'm actually under two hundred pounds now.
Where is this stuff coming from? Obviously, I know where the two craps a day come from. I'm wondering where all the extra poo comes from. As I've gotten older, I don't need to eat as much. I don't eat tons of salads or high bulk food. If my four crap days came after a big holiday like Thanksgiving or something, it would make sense.
But crap seems to be its specialty. Normally, I'm as steady as a clock. I have my morning dump, during which I usually scan the headlines of The Oregonian. In the afternoon, I usually shit while pondering some statement of Lao Tzu. (I have the Tao Te Ching on my Treo for this sort of thing.) I'm a twice a day crapper.
Saturday was a four crap day. I think yesterday was three. This morning, I was amazed to see that I had produced something much akin to Mt. Hood. I actually felt lighter, like maybe I'm actually under two hundred pounds now.
Where is this stuff coming from? Obviously, I know where the two craps a day come from. I'm wondering where all the extra poo comes from. As I've gotten older, I don't need to eat as much. I don't eat tons of salads or high bulk food. If my four crap days came after a big holiday like Thanksgiving or something, it would make sense.
Wednesday, May 17, 2006
Gift idea for your car hauler friends.
CarHauler (tm) Wall Clock > Online Truck Stop | CafePress
No kitchen should be without this car hauler clock.
Gift idea for your car hauler friends.
CarHauler (tm) Wall Clock > Online Truck Stop | CafePress
No kitchen should be without this car hauler clock.
Tuesday, May 16, 2006
Evil Woodpecker
Evil Woodpecker: "Data management is everything. Think about it: the speed with which you can get data from your vendors and the speed with which you can get your information into potential customer's hands is predicated on how you store and manage your information. The way you organize your information for customers and vendors is predicated on your intelligence. If you organize your thoughts efficiently, you will probably find better reception."
This would be the Evil Woodpecker at Myspace.
This would be the Evil Woodpecker at Myspace.
Sunday, April 30, 2006
american express
Someone used my business amex to pay for something called "Hot Match Up", an online dating service. When I asked the customer service rep at Hot Match Up for the name of the person, she wouldn't give it to me.
Saturday, March 25, 2006
Can't get out of bed.
Head hurts. Should I go to psu?
Ok. Iwill
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Headache: sharp electrical check against
Headache: sharp electrical check against my time energy account
Headache: sharp electrical check against
Headache: sharp electrical check against my time energy account
Monday, March 20, 2006
Auto hauler hires turnaround expert
Auto hauler hires turnaround expert: "Skillman is a managing director with Alvarez & Marsal, LLC and
specializes in developing and implementing turnaround strategies for
retailers and manufacturing, distribution and financial services
companies. He recently helped restructure General Motor’s Service Parts
Operations distribution network."
specializes in developing and implementing turnaround strategies for
retailers and manufacturing, distribution and financial services
companies. He recently helped restructure General Motor’s Service Parts
Operations distribution network."
Friday, January 20, 2006
I hate getting sick.
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Sunday, January 15, 2006
Agent Saboteur
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Saturday, January 07, 2006
spiderwebs
lately, it seems I have been spending all of my time thinking about
data control and communication circuits, especially the relationship
of signal and noise.
Portrait
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