L.A. Fires

Newscum campaigned against the passage of this prop.

2024 California Proposition 36​


2024 referendum
Proposition 36, titled Allows Felony Charges and Increases Sentences for Certain Drug and Theft Crimes, was an initiated California ballot proposition and legislative statute that was passed by a landslide in the 2024 general election and went into effect in December 2024.
 
Lionfish said:
I consider you to be one of the more nonbiased individuals on this forum and I respect you for that. I have been watching a large number of interviews with your Governor who comes off to me as a greasy sleazeball who diverts, deflects, and flat-out lies just to suit his agenda. I thought Tampon Tim Walz with his absolute pissing away of a $18.5 billion dollar surplus and still raising taxes, or his allowing $550 million to be stolen from the taxpayers by three different groups of Somalli's, was the worst Governor in history, but after watching a couple of hours of pure bullshit pouring out of Newsome's mouth, Walz comes off as a Rhodes Scholar. Change my mind.
BTW, there is no chance you can do that as I have watched Newscum destroy your once great state year after year with his off the wall policies and failure to perform when called upon to step up to the plate and people keep voting for the same crap election after election.
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I've shared this story before. There is one politician I have donated to in my life and believe it or not it was Gavin Newsom (I shake my head typing that). This was when he first ran for Mayor of SF. He owned a couple of restaurants/bars (so he was a business owner), he talked about dealing with the homeless and his opponent was a Green Party member. I thought this is about the best SF will do.

This isn't a defense of Newsom per se but just a reality that some of the stuff he gets blamed for were issues started well before he took office. That said he is a photo op professional and has reached a point where he cares much more about national issues than doing the dirty work of Governing the state. (A prime example is he would rather spend all day talking about how we are the resistance to Trump rather than state issues.)

Like many who reach the high level of office he has, he is ambitious. He has long envisioned himself in the White House. Going to be difficult for him because even some on the left are starting to call out his lack of focus on the state.

California isn't where we are today solely because of Gavin. Housing and insurance issues have been decades in the making. It is certainly fair to judge his actions on those issues while in office (whether they have improved or gotten worse) but it's not him alone. (again, this is NOT an endorsement of Newsom as he has shown himself to be a very good looking and slick, but empty, suit)
 
martin said:
Home mortgages were always contingent upon providing insurance.
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Yes, you are correct. Sorry, I should have been more clear. With the increase in the cost of insurance over the past year it has caused some sales of homes to fall through (once under contract they find out the cost of insurance craters their debt to income ratio. Realtors were saying home buyers now need to get up front quotes on insurance as opposed something that was just taken for granted later in the process previously.)

This article came out Jan 5th, so just before the fires. The gist being mortgage lenders (Fannie & Freddie) require a certain rating for insurance companies a buyer can use to approve a loan and with insurance companies ratings being downgraded it's a huge issue.

Worst-case mortgage scenario is playing out for home insurer in California​


 
cawacko said:
I've shared this story before. There is one politician I have donated to in my life and believe it or not it was Gavin Newsom (I shake my head typing that). This was when he first ran for Mayor of SF. He owned a couple of restaurants/bars (so he was a business owner), he talked about dealing with the homeless and his opponent was a Green Party member. I thought this is about the best SF will do.

This isn't a defense of Newsom per se but just a reality that some of the stuff he gets blamed for were issues started well before he took office. That said he is a photo op professional and has reached a point where he cares much more about national issues than doing the dirty work of Governing the state. (A prime example is he would rather spend all day talking about how we are the resistance to Trump rather than state issues.)

Like many who reach the high level of office he has, he is ambitious. He has long envisioned himself in the White House. Going to be difficult for him because even some on the left are starting to call out his lack of focus on the state.

California isn't where we are today solely because of Gavin. Housing and insurance issues have been decades in the making. It is certainly fair to judge his actions on those issues while in office (whether they have improved or gotten worse) but it's not him alone. (again, this is NOT an endorsement of Newsom as he has shown himself to be a very good looking and slick, but empty, suit)
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I believe that you have made an airtight case against Newsom ever being anywhere near the White House...unless invited by Trump or Vance.

Destroy a beautiful paradise like California and you want to do the same to America...I don't think so.
 
Lionfish said:
Newscum campaigned against the passage of this prop.

2024 California Proposition 36​


2024 referendum
Proposition 36, titled Allows Felony Charges and Increases Sentences for Certain Drug and Theft Crimes, was an initiated California ballot proposition and legislative statute that was passed by a landslide in the 2024 general election and went into effect in December 2024.
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It won't be in effect until they depose kind Newsom.
 
cawacko said:
Yes, you are correct.
Click to expand...


No, he isn't.


Home mortgages are not always contingent upon providing insurance, but there are some common practices that might make it seem that way:

  • Mortgage Insurance: In many cases, lenders require mortgage insurance if the down payment is less than 20% of the home's value. This protects the lender in case of default, not the property itself.
  • Homeowners Insurance: While not legally required by mortgage terms in every jurisdiction, the vast majority of lenders will require homeowners insurance as a condition of the loan. This insurance covers the property against damage from events like fire, storms, or theft, protecting the lender's investment in the property.
  • Exceptions:
    • Cash Purchases: If you're buying a home outright with cash, no mortgage means no mortgage-related insurance requirements.
    • Certain Loan Types: Some specialized loan programs might have different insurance requirements or none at all, though these are less common.
    • Government Programs: Some government-backed loans might have different or waived insurance requirements under specific circumstances.
  • Flood or Earthquake Insurance: In areas prone to specific natural disasters, additional insurance like flood or earthquake insurance might be required by the lender, or at least strongly recommended.
  • Legal Variations: Requirements can vary by county, state, or even municipality. In some places, lenders might not legally require insurance, but they might still make it a condition of the loan for their protection.
@Grok
 
cawacko said:
I've shared this story before. There is one politician I have donated to in my life and believe it or not it was Gavin Newsom (I shake my head typing that). This was when he first ran for Mayor of SF. He owned a couple of restaurants/bars (so he was a business owner), he talked about dealing with the homeless and his opponent was a Green Party member. I thought this is about the best SF will do.

This isn't a defense of Newsom per se but just a reality that some of the stuff he gets blamed for were issues started well before he took office. That said he is a photo op professional and has reached a point where he cares much more about national issues than doing the dirty work of Governing the state. (A prime example is he would rather spend all day talking about how we are the resistance to Trump rather than state issues.)

Like many who reach the high level of office he has, he is ambitious. He has long envisioned himself in the White House. Going to be difficult for him because even some on the left are starting to call out his lack of focus on the state.

California isn't where we are today solely because of Gavin. Housing and insurance issues have been decades in the making. It is certainly fair to judge his actions on those issues while in office (whether they have improved or gotten worse) but it's not him alone. (again, this is NOT an endorsement of Newsom as he has shown himself to be a very good looking and slick, but empty, suit)
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It IS where it is today because of Democrats, though. King Newsom is only the latest of a long of Democrats.
 
Lionfish said:
Are trolling, bored, or just that friggin stupid?
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