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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 734759  
Subject: There's no place like home Date: 10/31/2013 7:30 AM
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http://www.detroitnews.com/article/20131029/METRO01/31029007...

Detroit Police: 10 carjackings reported over 5 days

I've spent my last night in Detroit. I am at my parent's place this week. I close on my home tomorrow. I'll go back to pack out and move on Saturday.
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Author: LuckyDog2002 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703239 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 8:57 AM
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good for you Wolverine, I'm happy for you!!!!! I will enjoy hearing about your whole experience moving and living in a small town....at least I think it's a small town.

LuckyDog


Good morning all!

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Author: Colovion Big funky green star, 20000 posts Top Recommended Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703243 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 9:07 AM
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Oops, there goes the 1% decrease in carjackings!

Oh, and a female law student from Wayne State was murdered too (not in a carjacking, though that hardly makes it better).

Life is cheap in the D. Getting out while the getting's good is never a bad idea there.

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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703247 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 9:25 AM
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I will enjoy hearing about your whole experience moving and living in a small town....at least I think it's a small town.

It's kinda misleading when one looks at the census figures. Oscoda is along Lake Huron, hence there are oodles of homes along the shoreline outside of city limits. A lot of those homes are summer/weekend only homes. It's weird. It is busy in the summer, deer hunting season, and ice fishing season, the rest of the time it is dead, much more so since the base closed.

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Author: BGinNJ Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703269 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 10:21 AM
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<I'll go back to pack out and move on Saturday.>


Somehow I have this parallel image of an old Don Martin cartoon from the Mad Magazine of my youth. It shows some of our astronauts driving their vehicle on the lunar surface. They get out of the moon car and go off on foot in another direction for awhile. Later on when they return, their vehicle is now up on blocks and all four tires have been removed.

Good luck on saturday and thereafter wolvie. Just remember what Yogi always says. "It ain't over 'til it's over".


BG

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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703271 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 10:24 AM
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Good luck on saturday and thereafter wolvie. Just remember what Yogi always says. "It ain't over 'til it's over".

Thanks. You are correct in that the fat lady hasn't sung yet, but she's warming up in the bullpen.

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Author: CCinOC Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703297 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 11:35 AM
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It's kinda misleading when one looks at the census figures. Oscoda is along Lake Huron, hence there are oodles of homes along the shoreline outside of city limits.

The new flood insurance rules and regs may threaten real estate values along any shoreline.

Flood Insurance Jumping Sevenfold Depresses U.S. Home Values
http://www.nationalmortgagenews.com/index.html

Rangel Dockery and her husband bought a waterfront house in Florida four months ago, assuming their $2,000-a-year flood-insurance premium would remain about the same. After reading recently about a change in the federal flood program, they checked on next year’s rates and were stunned: Their bill will grow to $14,000 annually. Now the elementary school teacher and her husband, Clint, an information technology specialist, are considering selling their two-bedroom St. Pete Beach home, probably at a loss, because she said they can’t afford the bill, and their mortgage requires flood coverage.

“It was very frustrating to finally have what we’ve worked hard for all our lives,” Rangel Dockery says. “I feel like the rules were changed in the middle of the game. And unfortunately, we can’t play by the new rules.”

Monthly premiums for more than 1 million homeowners are set to increase due to a rewrite by the U.S. Congress last year of the federal flood insurance program. As a result, home prices in flood zones around the country are declining as potential buyers balk at the premiums, said Moe Veissi, a Miami real estate agent who led the Chicago-based National Association of Realtors last year.

***

Since wolverine paid cash for his new dwelling, he doesn't need flood insurance.

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Author: telegraph Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703302 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 11:44 AM
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"Monthly premiums for more than 1 million homeowners are set to increase due to a rewrite by the U.S. Congress last year of the federal flood insurance program. As a result, home prices in flood zones around the country are declining as potential buyers balk at the premiums, said Moe Veissi, a Miami real estate agent who led the Chicago-based National Association of Realtors last year."


A lot of folks along rivers and lakes even 500 miles from the coast are in for the same surprise!....

We've got areas around here that flood every 10 or 15 years...like when the tail end of a gulf hurricane heads this way.....and the folks expect to be bailed out.

Wow...$14,000 a year flood insurance.....but, I guess if you live 'on the oceans' five feet above sea level.....and there are 10 foot surges every 30-40-50 years from storms...ya gotta pay the risk...Let's see....$300,000 home....major damage very 30-50 years.....so you got to pay about $6000-10,000 a year just for your 'expected losses', plus of course, coverage for other risks and keeping a reserve fund....


The prices will plummet and a lot of 'investors' from overseas will swoop in at bargain prices, buy them up for cash, rent them out.....and somehow magically still get the feds to bail them out when the storm comes.


t.

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Author: Colovion Big funky green star, 20000 posts Top Recommended Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703311 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 11:55 AM
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The new flood insurance rules and regs may threaten real estate values along any shoreline.

Much of the shore along Lake Huron is composed of cliffs... no risk of flooding (the bigger danger is the cliff eroding and taking your home down with it). Not sure if that's the case in Oscoda (I haven't ever been to that part of the shoreline) but the other factor is that the water level of the Great Lakes are at near record lows recently. Sure, a good snowfall will bring them back up but that would just bring them back to near their averages, not higher (nobody I'm aware of is predicting higher water levels in the Great Lakes anytime soon).

The only flooding I've heard about in Michigan in the last several years has been flash flooding in certain areas due to intense (but short) storms. In fact this past summer some Ann Arbor residents had some fun kayaking down some of the streets in town after one such event. They weren't home owners of course, just renters.

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Author: CCinOC Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703322 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 12:16 PM
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Much of the shore along Lake Huron is composed of cliffs... no risk of flooding (the bigger danger is the cliff eroding and taking your home down with it).

That's the problem with the new flood maps. They make no sense. They were drawn up by libruls, no doubt.

http://www.patriotledger.com/topstories/x1803835470/NORM-GRA...

The FEMA study (STARR Engineering) is incomplete and flawed. The potential for devastation in my neighborhood (close to downtown Marshfield) is now more likely to be from economic impact rather than from flooding. The scenario of 3-foot waves in this area is laughable – you aren’t looking at the possibility of lower property values and punitive insurance bills. [...] With the new FEMA maps, my property went from no flood zone to a SFHA (high-risk) zone. The topography of my lot would show that it slopes away from my foundation to the point of designated wetlands. The new maps don’t include a topography analysis or consider scientific data including sea walls and the dyke at Green Harbor. Does this make any sense?

Using Outdated Data, FEMA Is Wrongly Placing Homeowners in Flood Zones
http://www.propublica.org/article/using-outdated-data-fema-i...

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Author: warrl Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703328 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 12:35 PM
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Oscoda is along Lake Huron, hence there are oodles of homes along the shoreline outside of city limits. A lot of those homes are summer/weekend only homes. It's weird. It is busy in the summer, deer hunting season, and ice fishing season, the rest of the time it is dead, much more so since the base closed.

Seasonal population swings can be big.

The town I'm currently in is officially estimated to have a legally-resident population of about 3,600. The *lowest* estimate I've found for its actual physical population in January is 750,000.

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Author: Art53 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703336 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 12:58 PM
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"I've spent my last night in Detroit. I am at my parent's place this week. I close on my home tomorrow. I'll go back to pack out and move on Saturday." - wolverine


So we'll be talking to you out of Oscoda, Michigan. That will be fun. My brother, his Filipino wife, and son dropped by last night on their way back down to South Georgia for the winter. They finished up there in Michigan and their bees are being hauled back South. They brought me half a five gallon bucket of thistle honey, a 5 lb sack of Michigan red potatoes grown by a farmer that lets my brother set his bees on their property, a Hubbard squash as big as a soccer ball, some Michigan carrots, and a sealed bag of Michigan sauerkraut. Not sure what I'm going to do with that Hubbard squash? Maybe bake it with butter and brown sugar and cinnamon for Thanksgiving?

Anyway they close up their house for the winter up there in Alba, MI, blew out the water pipes, put anti-freeze in the commodes, and shuttered it up for the winter. All the little girls up there told Artie (my half Filipino nephew) that they'd miss him.

Art

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Author: Art53 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703342 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 1:03 PM
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"good for you Wolverine, I'm happy for you!!!!! I will enjoy hearing about your whole experience moving and living in a small town....at least I think it's a small town." - LuckyDog, Good morning all!



The summers up there are absolutely beautiful. The winters can be a bit brutal but Wolverine is a native Michigander so he is used to it. He'll know how to skin the rabbit to survive through the winter up there. Warm up the battery to his car, chains on his tires, etc. I think once he gets settled in and used to it for a few months he'll love it. It might take a little while for it to start feeling like home but once he is comfortable with is new digs he'll like being settled in a place of his own.

Art

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Author: Art53 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703344 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 1:07 PM
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"It is busy in the summer, deer hunting season, and ice fishing season, the rest of the time it is dead, much more so since the base closed." - wolerine


I love hunting and fishing, killing my own food and butchering and eating it. Not sure why but I've always been like this. I've got a real Neandertal hunter-gatherer streak in me. I'm thinking there'd be lots of opportunity to do that sort of thing up in Oscoda. Go around scrounging for food. I also like going to to the Farmer's markets up there and striking up a deal for some produce. That was pretty fun. We got some awesome vegetables in the market in Gaylord, MI.

Art

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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703385 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 4:03 PM
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The new flood insurance rules and regs may threaten real estate values along any shoreline

MI has the advantage of having no place further than 85 miles away from one of the Great Lakes. The water is out of the rivers and into the lakes before it has a chance to back up and flood the riverbanks. I have lived in Bay City my entire life, or at least kept close tabs on it for obvious reasons. I have never heard of the Saginaw River flooding the town. The rivers are short and dump into the lakes relatively quickly.

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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703387 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 4:05 PM
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Since wolverine paid cash for his new dwelling, he doesn't need flood insurance.

I'm sure the USAF took flooding into account when they invested in Wurtsmith. Besides, I'm gonna be on the third floor.

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Author: CCinOC Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703392 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 4:29 PM
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I have never heard of the Saginaw River flooding the town.

You don't seem to understand. FEMA re-wrote the flood maps. Example:

FEMA flood wall debate: Now 'we have a real case study,' says Grand Rapids city manager
http://www.mlive.com/news/grand-rapids/index.ssf/2013/04/fem...

The Saginaw River area may not be exempt. You'd have to look it up.

Saginaw River flood levels within top 20 highest crests of all time
http://www.mlive.com/news/saginaw/index.ssf/2013/04/saginaw_...

In any event, you don't have to buy flood insurance.

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Author: CCinOC Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703393 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 4:32 PM
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Besides, I'm gonna be on the third floor.

If you had a loan on your property and the property's in a flood zone, you'd have to get flood insurance even if you were on the 10th floor.

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Author: warrl Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703395 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 5:16 PM
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Besides, I'm gonna be on the third floor.

If you had a loan on your property and the property's in a flood zone, you'd have to get flood insurance even if you were on the 10th floor.


Which kinda makes sense - if the first floor of the building is destroyed in a flood, that's gonna have a negative effect on the value of a third-floor unit.

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Author: 307wolverine Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703401 of 734759
Subject: Re: There's no place like home Date: 10/31/2013 5:53 PM
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Saginaw River flood levels within top 20 highest crests of all time

I've been to that park before and that is a tempest in a teacup. Technically, it spilled over its banks, but to what end? Nothing was damaged. There will always be some sort of high level record. It doesn't mean that anything was damaged.

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Author: BGinNJ Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 703536 of 734759
Subject: Re: There's no place like home Date: 11/1/2013 1:23 PM
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<You are correct in that the fat lady hasn't sung yet, but she's warming up in the bullpen.>


Hopefully she has a decent hook and also packs a really good heater.


BG

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