Selling Or Buying A Home? You’ll Know What Comps Are Soon.

It’s all about Location, Location, Location they say in real estate, but to a buyer or a seller it may be Price, Price, Price.  You may be buying your first starter home or selling the family home to move into retirement in Florida either way you’ll need to know “How much is it actually worth?”  In real estate lingo “Comps” is a second word that comes with little ambiguity, but to the laymen that same word could leave you wondering.  Comparables are reports on similar houses in the area and how much they went for when they were recently sold.  These reports give insight into the value of the home you wish to sell or buy and allow you to determine if it is really a dream home or it is actually a home you can afford.

Sites like attempt to determine a comparable price for a home through open records and information about a home provided over the years in these open records. Ask any realtor and they’ll tell you they hate Zillow.  Not because it takes their clients, the site doesn’t facilitate home sales but due to the inaccuracies made when determining a home’s value without firsthand knowledge of the area or the home.

Real estate agents usually determine these with local knowledge and understanding of the area.  These are performed though after a home buyer or seller has contacted a real estate agent.  Sometimes you’d just like to know without beginning a search with someone who’s commission based.  The perceived pressure that comes with a real estate agent may make Zillow more attractive than an accurate price or at least get you by until you absolutely have to contact an agent.

Other sites are now offering a blended opportunity that borrows the best of both previous options and provide accurate real estate comps but free of the pressure of working with an agent. is one of these services that offers national coverage but contracts with local agents to provide investors, sellers and buyers with the best possible comparable home price reports.

Too often in life we see black and white or right and wrong and forget that life choices don’t have to be bilateral.  More often a third method is available that includes the best of both original options and today it seems there is a third option in real estate comps.  Consider this next time you search for comps in my area.



I’m way too angry to do this point form, so we’re breaking out the old panel by panel analysis!

Panel One: I know I’ve been saying it out loud for about a week or so now, but I’m still amazed she just out and said it’s about Sal making them look like bad parents. Because you two sure had nothing to do with your own bargain basement bin low quality parenting, did you, Linda? Charles also doesn’t really seem all that concerned where she was or what she was doing, so I’m giving that a point too. I won’t give him one for being concerned she’s smoking though. That’s reasonable. Fuck you, Walkerton Parents Count: 3

Panel Two: And we all know what she means by that too. I wonder if Marcie would be a ‘bad influence’ if she were middle class and her parents were documented immigrants? Actually, nah, I think Linda’d still have ‘a bad feeling’ anyways. Regardless, I’m giving that a count because fuck off, Marcie’s stable and came out of her childhood, so far as we’ve seen, with considerably fewer issues than Sal has. Fuck you count: 4.

Panel 3: I love Sal. So much. Calling out her mom on her hypocrisy (yeah, I know, she SHOULD be worried her preteen/young teen is smoking so young, but she hasn’t said shit about her age, just that she smokes, so I’m calling hypocrite) and pointing out where that influence came from. I’m also appreciating that piece of info that Marcie did not in fact smoke yet. Interesting. I wonder when she took that up? Fuck you count: 5 for hypocrisy.

Panel 4: Fuck off. Marcie hasn’t done anything wrong so far as we can tell and Linda has no good reason to ban her from seeing Marcie except Marcie is poor and brown and Sal’s finally having enough of her mother’s bullshit so Linda’s blaming her friend. Count: 8 because all three of those reasons piss me off.

And you go, baby Sal for defending your friend.

Panel 5: Linda, this might shock you, but even if Marcie’s parents ARE shit, she cannot help that. She doesn’t get to decide where they live either because she is 12-13. And yeah, she probably hangs around with kids who live in her low income area, so clearly she’s co-signing everything they say and do even though we know she objects when her friends do things that make her uncomfortable or upset or she thinks are wrong.

And frankly? I’m not convinced her parents are shit. Bare minimum, they took her side when she was being bullied (even though they couldn’t help her much). More than you did, you fucking hellbeast. Better parents than YOU is the dictionary definition of damning with faint praise though, so I won’t waste too much time insulting the Diazes, you piece of shit.

Also, even if the kids in her neighbourhood ARE awful, Marcie pretty clearly prefers Sal. So I dunno what Linda’s Wannabe Perfect Upper Middle Class Suburban Americana ass is whining about. Fuck you count: 13.

Panel 6: Again, I’m so so proud of Sal here. She deserved better parents. Yeah, I see you there not saying anything about the bullshit your wife’s spewing, Charles, so I’m giving you a count too. Fuck you count: 14.

Panel 7: And yeah, totally dismissing Sal’s concerns about how she’s treated and belittling/ignoring her. Who wants to bet she’s done this before? Fuck you count: 15.

Holy fucking shit, I hate these two and I really wish Sal had better fucking parents.

Dumbing of Age

Original Article


I’m gonna go back and say, “It fits the pattern of abusive homes” here, Walky is clearly playing the combination “Good child” and “Mascot”. Sal is clearly the “bad child” (not really bad, just how her role worked out). Linda is abusive, folks. she’s infantilized her son and alienated her daughter. I could almost suspect there’s alcohol or affairs involved here, but it’s also clear in something else;

Sal is the responsible one. (actually, come to think on it, she was in “It’s Walky!!” too). David…david has been shielded from consequences from day one, while also being prevented from taking risks or encountering them on his own.

thus, his emotional development is STUNTED, as is his other developments. Sure, he’s got high native intelligence (both the Walkerton kids do) but his parents clearly didn’t provide him the mental and emotional tools to actually USE IT, and worse, they’ve blocked him from the natural process of trial-and-error, channelling him into a perpetual man-child who will, most certainly, need a ‘safe space’ if he ever stops being (Deliberately) oblivous.

In a way, it’s actually an inversion of the usual relationship-the Brother is the passive one, the one who seeks attention and praise, while the Daughter is the assertive one who’s toughened up enough to be functionally an adult (early, even) and accepting of consequences.

It’s like Linda didn’t bother to tell Walky ‘don’t touch, it’s hot’ because Sally already grabbed it and burned her hands.

My step-niece was in a similar position when my sister married her current husband. The result has been that said step-niece doesn’t contact her family (except her step-sister-and then, only rarely) and is a fully-functioning adult, while my ‘blood’ niece is 26 with a kid living in my sister’s basement with her husband rent-free.

Sal may be a bit of an ass, but she’s FUNCTIONAL-she has sense, she measures risks rationally, she knows how to survive. Walky DOESN’T, here’s my prediction, if this followed “Rule of Natural Consequences”;

Sally will graduate from college, if she wants the degree, and move into a career. Walky…will go home to his parent’s house, and live there until they die, working an occasional part-time, low-demand, low-skill job until he’s too old to successfully temp, at which point, she might take him in when mom and dad kick the bucket.


because he’s still using the coping skills of an infantilized child, while Sal has a full suite of functional judgement, including the understanding that actions DO have consequences.

Dumbing of Age

Original Article

Europe’s sprawling new financial law enters into force

A disaster-free launch of MiFID 2 is not the end of the worries

AFTER years of rule-drafting, industry lobbying and plenty of last-minute wrangling, Europe’s massive new financial regulation, MiFID 2, was rolled out on January 3rd. Firms had spent months dreading (in some cases) or eagerly awaiting (in others) the “day of the MiFID” when the law’s new reporting requirements would enter into force. One electronic-trading platform, Tradeweb, even gave its clients a “MiFID clock” to count down to it.

Apprehension was understandable. The new EU law, the second iteration of the Markets in Financial Instruments Directive (its full, unwieldy name), affects markets in everything from shares to bonds to derivatives. It seeks to open up opaque markets by forcing brokers and trading venues to report prices publicly, in close to real time for those assets deemed liquid. It also requires them to report to regulators up to 65 separate data points on every trade, with the aim of avoiding market abuse.

Title: Europe’s sprawling new financial law enters into force
Publication: The Economist
Publisher: The Economist Group Limited
Date: Dec 31, 1969
© The Economist Group Limited, London 1969


What Is Zero-Sum Thinking and Could it Be Harming You?

When you were little, did you fight with your brother or sister about who would get the last gummy bear? If not candy, what about toys? Or who got to sit in the front of the ride?

Photo Credit: Sharon McCutcheon on Unsplash

But why did you fight in the first place? Because you believed the other’s loss was your gain.

We’ve all experienced this at some point in our childhood. If not with a brother or sister, perhaps a friend or cousin (or all of the above).

This is zero-sum thinking and it continues to affect us well into adulthood. It’s a harmful way of thinking about the world, not just for others, but for yourself as well.

War is grounded in the notion of triumph and defeat. It is zero-sum.

– Bruce Jackson

What is zero-sum thinking?

Zero-sum thinking, or zero-sum bias, is a cognitive bias used to describe when a person believes that a situation is a matter of win-lose or loss-gain. In other words, they believe one person’s loss is another person’s gain.

In a 2015 research paper, researcher Rozycka-Tran and his colleagues defined zero-sum thinking as:

A general belief system about the antagonistic nature of social relations, shared by people in a society or culture and based on the implicit assumption that a finite amount of goods exists in the world, in which one person’s winning makes others the losers, and vice versa […]

[…] a relatively permanent and general conviction that social relations are like a zero-sum game. People who share this conviction believe that success, especially economic success, is possible only at the expense of other people’s failures.

In the real world, there are countless examples of this way of thinking:

  1. When negotiating, thinking that for you to win the negotiation the other side must come away the loser (in a comparative sense)
  2. In relationships, thinking that someone’s love for one person means they have less love to give to another
  3. When a student believes they’re being graded on a curve, where other student’s performance, or lack there of, affects their own results, when in fact they’re being graded on traditional predetermined standards

The examples are endless, but the point is the same: in each case, we’re buying into the belief that when others lose we win, or that we’re losing because others are “winning.”

How zero-sum thinking could be harming you

So, why is this bad? How can zero-sum thinking be harming you and what should you do about it?

Zero-sum thinking, by its very definition, puts you at odds with another person or persons. When you believe that you can only win by way of others losing, you can do only one of two things:

  1. Try to win by way of making others lose
  2. Allow others to win and believe you’ll lose as a result

Either way, you’re buying into a belief that either you’re destined to fail, such as when you’re pitted against someone you love and whom you don’t want to win against, or you’re intentionally putting yourself in conflict with others in an attempt to win.

However, this has a more detrimental side effect: you become combative even when it’s not necessary.

Because of this, you’re more likely to miss out on making key connections, friends, and realizing opportunities because you’re approach is more akin to burning bridges then it is linking up a vast and powerful network (something virtually all successful people have) where you work together to realize joint success.

What to do instead


So, what should you be doing instead of buying into the idea that you have to ride on the backs of others to realize your definition of success?

One thing and one thing only: realize that success in anything is easier to make happen when you have good people at your side, a powerful network, and are just as concerned with helping others succeed as you are for yourself.

And by living and working from the perspective of building and gaining through teamwork instead of by way of tearing down your neighbors to build yourself up, you’ll not only be more likely to succeed, but you’ll also help build a better world in the process.

Original Article

Pre-Law Workshop Online With Louisville Defense Attorney

will be available for a workshop via Skype. PreLaw students are encouraged to meet online or through the campus law library beginning September 12, 2018 at 1pm EST.  Judah practices law with Lynch, Cox, Gilman & Goodman delivering legal expertise.He has conducted jury trials in both state and federal courts. Three sessions will be covering:

– All types of civil lawsuits, including contract disputes, property damage, and more

– All criminal law, including felonies, misdemeanors, DUI, expungements, state and federal cases

– Divorce proceedings, spousal support, division of assets, and post-divorce services

Armand Judah, Louisville Defense Attorney

To attend please complete the following form

Original Article

Pearl Harbor Fees and Reservations

Admission to the USS Arizona Memorial is free. There is no entrance or activity fee, nor is there a fee for the visitor’s center or the museum. Complimentary tickets for the timed programs to the memorial are given on a first-come, first-served basis at the front desk of the visitor center. These tickets are non-reservable, so visitors are advised to try for tickets early in the day. Queues are often fully formed by 8 am, and during the busy summer months, tickets oftentimes run out by noon.  Visit a tour operator such as Pearl Harbor Tours to arrange reserved tickets through them for the memorial.

Once visitors receive their tickets, they will be assigned a program time. The Navy shuttle boat that take visitors out to the Arizona Memorial accommodate around 100 people, so guests should expect some delays.

In addition to the free tickets for the USS Arizona Memorial, visitors may also wish to purchase passes to visit the America-the-Beautiful–National Parks and Recreational Lands. These passes are available at the Honolulu Regional Office, as well as at most National Park sites and allow visitors access to all federal land management areas. For more information on the land passes, visitors can visit:


University Students Voter Registration

University Students Who Live On Campus

If your primary residence is the university on campus student housing you may register to vote in the precinct where your student housing is located.

University Students Who Travel To Campus

You should register to vote at your primary residence. Commuting to school does not change your primary residence.

Registering To Vote

Students registering to vote may do so online through the State Secretary’s website which is available from the linked Voter Guide.

Election Results

State Board of Elections and County Clerk’s will be reporting unofficial numbers on election night. These numbers may differ from voting polls or each other.  We’ll report both sets of results through the Election Results page.

Original Article

Louisville Voter Guide – The Complete Voters Guide

The Complete Voters Guide Is a Louisville voter guide provided by Judge Sean Delahanty’s re-election site which includes congressional candidates, mayoral, metro council, Jefferson County offices as well as judicial races.

Within the guide voters can find answers at the FAQ, watch videos from Sean, read news concerning the election and find their polling place.

Original Article