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Hawaiian

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Posts posted by Hawaiian

  1. 6 hours ago, jas007 said:

    You're probably right about that, if the actual value of the land remains high.  Location, location, location, as they say.  But all that means is that it's desirable real estate.  People want to live there and they'll pay a premium.  But will they be allowed to rebuild without years of red tape? California, with all is regulation, is probably one of the most difficult places on earth to get anything done. Imagine buying into a construction zone.  The entire place was burned to the ground.  How many years before it returns to "normal"? 

    When it comes to red tape, Hawaii is no different.  Rebuilding in Lahaina is being hindered by political manipulations of all sorts.  Many frustrated victims have given up, taken their insurance money and moved away.  To make matters worse, Native Hawaiian activists are making ridiculous demands.  Then you have the environmental activists.  The mayor of Maui County is a joke.  Then you have the governor try to undo years of an acceptable practice by insurance companies' ability to file subrogation claims.  Disgusting!

  2. 1 hour ago, novacova said:

    The DEI policy makers are responsible for coordinating funds to put the fire out. Nature and arsonist cause fires. “Climate Change” is real and a constant variable. “Human Caused Climate Change” is just another hysterical figment of the human imagination that hasn’t been proven.

    Oh, its been proven alright.  Proof that hinges on unproven facts and statistics provided by people proovers that dismiss any and all challenges to their proof.  Learned this style of presentation from the Great Word Salad Master.  Except she is much better at it.

    • Like 1
  3. 1 hour ago, jas007 said:

    As an interesting aside, in California, loans on property are secured with a deed of trust.  And under California law, the lender's only real recourse is to foreclose on the deed of trust in the event of non-payment.  California has both an "once form of action rule" and an anti-deficiency statute.  So, anyone who was wiped out by the fire doesn't have to worry about the lender coming after them for any unpaid balance on the loan. The lender can foreclose on the deed of trust and reclaim the property.  That's it.  Again, banks or whoever is holding those loans will be in trouble. 

     

    https://casetext.com/statute/california-codes/california-code-of-civil-procedure/part-2-of-civil-actions/title-10-actions-in-particular-cases/chapter-1-actions-for-the-foreclosure-of-mortgages/section-726-one-form-of-action-judgment-of-court-decree-for-foreclosure/analysis?citingPage=1&sort=relevance

    Yes, very interesting.  This is why no one should assume that what applies in one state is the same in another. 

    When my mother passed away I was tasked with the job of selling the properties held in her trust..  As the successor trustee, I worked closely with my realtor with whom I had a 40 year business relationship.  One of my sisters who lived in another state said I was doing it all wrong.  She wasted her money on an expensive attorney who set her straight.  End of story.

  4. 2 minutes ago, Lacessit said:

    AFAIK the acronym PCP is used for a mind-altering street drug, phencyclidine. Enlighten me, please.

     

    Good luck with the course of doxy. 

    Sorry, PCP stands for primary care physician;  they use to be referred to as the family doctor.  I have a urologist but I knew he was out of town.

    I mentioned in a previous post that doxy worked wonderfully for me.  That was 6 months ago.

  5. 49 minutes ago, Lacessit said:

    Doxycycline is effective against a number of urinary tract infections. Years ago, I had a virulent UTI, including pus. The first pill of the course of doxycycline stopped the infection in its tracks.

     

    Co-incidentally, doxy is also prescribed as a malaria prophylactic. However, prolonged use may weaken the immune system.

     I phoned my PCP about my symptoms which included nausea. He faxed the pharmacy and told me to pick it up. Directions were 100mg caps twice a day for five days.  Being his patient for over 25 years we have an excellent relationship.  His diagnostic skills are tops. 

    This is my first time for doxy.  I make sure I load up on probiotics after any antibiotic.  Various kimchi and Greek yogurt are a staple in our house. 

    • Thumbs Up 1
  6. 29 minutes ago, Yellowtail said:

    We are not arguing, we are "talking". It would not appear that at least the fire component homeowner's is not required as many people are without. 

     

    Insurers are being regulated out of the state. 

    I believe every state has an agency that regulates all insurance carriers operating within their state.

  7. 7 minutes ago, Yellowtail said:

    We are not arguing, we are "talking". It would not appear that at least the fire component homeowner's is not required as many people are without. 

     

    Insurers are being regulated out of the state. 

    While no expert, my experience is that all homeowner policies cover fire.  Hurricane and flood coverage are additional.  I received a renewal notice from my homeowners insurance.  The new policy excludes the hurricane coverage in that is in the existing policy.  Then I received an offer from another carrier that was offering hurricane coverage.  The second company only sells hurricane coverage.  I eventually bought a policy that covers both homeowners and hurricane that was over $1,700 less.

    Any homeowner not having any kind of basic coverage is crazy.

     

  8. 1 minute ago, jas007 said:

    Not only that, but we all pay be way of inflation when the government is forced to spend money it doesn't have to bail out everyone.  That money will be "printed," and everyone will see higher price as a result  That's how it works.  

    Exactly.  The fallout from this disaster will find its way into every segment of the economy.

    • Like 1
  9. 31 minutes ago, Yellowtail said:

    You do not have to pay mortgage insurance in California if you put 20% down, or (I think) once you've got 20% equity.

     

    But I was talking about the public money that will be used. 

    I believe you are referring to PMI, private mortgage insurance that lenders require on loans not guaranteed by the federal government, such as VA loans.  I specifically mentioned homeowners insurance. 

    Not to start an argument, but you were not clear what you meant.  The people you are referring to may not be directly impacted, but there will be some form of ramification for some of them.

    To be truthful, I understand your point that it is the taxpayer that usually stands the jerk while many get a free ride.

  10. Just now, Yellowtail said:

    Individuals that do not pay income taxes. 

    Not really.  Just because you pay no income taxes doesn't mean you don't have a mortgage on a home being covered by insurance.  Almost surely premiums will rise.  You don't have a choice since homeowners insurance is required by the lender.

  11. 1 hour ago, simon43 said:

    Sheryl has a good memory concerning sensitivity results.  The last test that I had at Life Care last June showed a PSA of 8.9 and sensitivity to Carbapenems, also Amoxicillin somewhat.

     

    My concern about having a course of Carbapenem is what hospital/doctor in Pattaya can I trust to actually give me the correct course of treatment, and not throw in a whole load of unnecessary and expensive tests.  IE - I need a doctor who will get straight to the correct course of treatment.

     

    results.jpg.c97c49734a6b49a5928fe8da8842dd49.jpg

     

    Wish I could help, but I live in Hawaii.  In the past Sheryl has been pretty good at furnishing that kind of information.  Hopefully, she sees this.

    I had a PSA reading much higher than that, but my UTI symptoms have gone away for now after taking the doxycycline hyclate.  Next visit with my urologist is a couple of months from now.

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