WHEN in the course of human Events, it becomes necessary….
Sad Soy Boys and Semi-Girls: San Francisco Where the Woke Go to Get Broke
byVanderleunonJuly 6, 2019
This bunk bed in San Francisco rents for $1,200 a month. It’s a “PodShare.”
PodShare is a co-living space where tenants pay to rent a “pod,” or bunk bed, in one of its San Francisco or Los Angeles locations.
Wait for the weaklings, the “men with no chests,” to show up in the clip and kvell over how super it is to live “in the center” after their testicles have fully retracted.
Disease vectors for adult children with more money than brain.
mmackJuly 6, 2019, 11:51 AM
My wife and I rented a 2 bedroom/2 bath (both baths being full baths) 1300 sq ft apartment with kitchen, dining area, laundry room, and walk-in closets in both bedrooms for $1 a month less than this “POD”. This was in 2017-18 while we sold our old house and moved to a new city and state to start a new life.
But it’s in what the “Pod People” call “Flyover Jesus land”, and they’re too smart to be caught dead here.
I adhere to the Greta Garbo philosophy of life…. “I vant to be alone.”
PA CatJuly 6, 2019, 2:33 PM
Little Miss Born-in-the USSR seems to have picked up Applied Capitalism quite easily in spite of her Big Government rhetoric.
Rob De WittJuly 6, 2019, 4:01 PM
In the ’60s and ’70s one of the first issues to be addressed in “communal living” – i.e. “roommate” – situations was “what about sex between/among roommates?”
I can’t imagine any of these children ever having sex with anybody, ever.
Snakepit KansasJuly 6, 2019, 4:52 PM
PA Cat beat me to it. Commie gal relishes the idea of communism but clearly is the benefactor of capitalism. If the USSR is so great then swim your left wing pinko-marxist commie ass back to where you came from. Otherwise, she probably has a good idea going with maximizing tenants in a limited space for maximum profit. Nothing wrong with that, but don’t pipe off about things in life that should be expected to just show up for free, like food, safety and toilet paper. Ramon noodles…oh hell no.
KCJuly 6, 2019, 5:54 PM
I have seen better rooms in state school dormitories. They cost less and had a meal program with them. The soy boys living in this dormitory are losers. This is progress?
SkorpionJuly 6, 2019, 6:02 PM
When you live most of your waking hours online, and the virtual world is more “real” than the “real” one, your immediate physical circumstances are of secondary importance. I’ll go Rob De Witt one better: not only are these bug(wo)men not having sex, they’re not having anything resembling a healthy real-world relationship with other humans either, despite their physical closeness.
steve walshJuly 6, 2019, 6:15 PM
“I’m really just building something I want to live in?” says the entrepreneur that is making good money off the soy boys. Good for her. She could improve her margin by eliminating the tv’s in the pods.
I lived in a YMCA once for about two weeks, in-between jobs.
That’s as low as I ever got, or will ever again.
ghostsniperJuly 6, 2019, 7:15 PM
Went back and took a closer look. Many building and zoning code violations. Density requirements, emergency egresses, lack of fire sprinklers, improper floor-ceiling-wall coverings. Extensive use of highly flammable materials. No fire extinguishers, no exit signs, no emergency lighting. Kitchen lacking fire suppression hood and exhaust fans. Improper food storage. If I did a walk through I bet I could find 100 code violations. Russian hoe not too bright. If that place burns people will die and she’ll be jailed. Maybe she does the start up and sells it quickly to someone else. The ultimate property owner will be the bagman.
Auntie AnalogueJuly 6, 2019, 11:09 PM
Thank God that back in the 1950’s we had Invasion Of The Body Snatchers to warn us about the Pod People.
PA CatJuly 6, 2019, 11:18 PM
“If that place burns people will die and she’ll be jailed. Maybe she does the start up and sells it quickly to someone else.” Rang a bell in my memory: the December 2016 fire in a former warehouse in Oakland transformed into an artist collective called the Ghost Ship. Of the 50 people in the building when the fire started, 36 died. It took 52 firefighters five hours to put out the fire. Turned out that the electrical system had been installed by an unlicensed guy. As for the “extensive use of highly flammable materials,” Ghost Ship’s two floors, according to the Oakland FD and the local sheriff’s office, had “makeshift hallways on the first floor constructed of aggregates of salvaged and scavenged materials, such as pianos, organs, windows, wood benches, lumber, and innumerable other items stacked next to and on top of each other. The live-work spaces were separated by a variety of things, including wooden studs, steel beams, doors, window frames, bed frames, railings, pianos, benches, chairs, intact motor homes [!!!–ed.] and trailers, portions of trailers, corrugated metal sheeting, tapestries, plywood, sculptures, tree stumps and tree limbs.” The front stairway to the second floor was made from stacked wooden pallets, which trapped most of the people on the second floor when it began to burn.
What is it about the Bay Area that encourages people to build and live in firetraps?
HJuly 7, 2019, 4:42 AM
San Francisco: Nuked too much or not enough.
ghostsniperJuly 7, 2019, 4:53 AM
“What is it about the Bay Area that encourages people to build and live in firetraps?”
==========
Easy access to money?
Actually, that stuff happens everywhere.
People pay heavily for required code inspections during construction that is mostly ignored by you know who. In southwest Florida it is called “Fly by code inspection.” The gov’t mandated code inspectors drive by the jobsite, sign the permit board, then race to the next job. Doing several hundred “inspections” a day but not doing any actual inspecting.
For the record, I’ve never been in favor of any gov’t mandated codes. I believe you get a faulty product or service when you let the gov’t get involved. Ghost services designs far beyond the capabilities of mere gov’t drones, that is why we design more and better buildings everywhere.
It ultimately comes down to the integrity of the property owner(s).
In the late 90’s my company was hired by the largest homebuilder in Florida to design 6 new model homes of varying size and budget. After the initial conceptual designs and during an approval meeting with the owners I told the owners of a design error in one of the plans that they specifically requested. Stick with me. (In Florida the number one reason for residential fires is by the air conditioning system – people forget to do the required maintenance, simply changing the return air filter, it clogs, restricts the airflow, the fan works harder, causes friction, catches fire)
The particular design in question placed the 24 inch x 24 inch return air filter on the wall that was the only logical place to locate a living room couch. The return air filter would have been behind the couch, out of sight, forgotten about, and a potential fire hazard. I pointed this design flaw out to the owners so that it could be corrected, but it would have meant about a $300 increase in the cost of the house due to rerouting the return air duct. The owners chatted among their selves for a couple minutes then told me, while looking me straight in the eye, “We don’t believe our clients are astute enough to figure that out.” Guess what I did. Would you have done what I did? Or would you have taken the money?
This contract paid $12k up front for the initial designs, then $1k per house for all future builds in perpetuity. Possibly hundreds of thousands of dollars over the next 10 years.
I walked.
Had my mouthpiece send them a letter explaining my position in polite but professional terms, that I will no longer provide them design services. I never received the 2nd half of the $12k they owed me and I never sued. Sometimes it’s not about the money.
Larry GeigerJuly 7, 2019, 5:32 AM
“Here, I’ll show you the bathroom. Oooooops, nope I won’t show it to you. Come on down here…” What, the stalls don’t even have latches? Yuck.
Do these people not realize they have become Neo-Serfs for the Techno-Aristocracy??
MIKE GUENTERJuly 7, 2019, 9:26 AM
I think I’d rather live in my car.. which I did for about a week back in the early 80’s. It was in the parking lot of a Waffle House on the outskirts of Atlanta. The night cook would come out and wake me up so I could make the 2 mile trek up the RR tracks to my job at the farmers market, And the guy even had breakfast ready for me, too.
Gordon ScottJuly 8, 2019, 2:13 AM
In Minneapolis we have this street that runs alongside I-94 for a mile or so. It’s a light industrial zone. Truckers were using it for their mandated rest periods. But now there are RVs and vans and even just cars. Originally they just parked on the freeway side, but now they’re using the other side of the street. It is starting to smell like piss. The trucking regulations are being relaxed somewhat, but I’ll bet this ad hoc rest area isn’t going away. Allegedly lot lizards are working the street, but I haven’t seen them.
My wife, who knows about such things, informs me that there are a couple of under-the-bridge locations that get sluiced out by the fire department on a daily basis to get rid of the shit and piss.
Ghost/Hank Reardonsniper can confirm what I know: they have made it uneconomical to build inexpensive housing in cities. By the time you include all of the overhead costs like permitting and inspections and kissing the ass of the local council member, you may as well build fancier units, because they cost less to operate in the long run. Flophouses–which is what is really needed–require a lot of maintenance.
There is a building out on the edge of downtown for addicts. It is well cared for and has rules: no using on the premises. Each resident gets a locker on the ground floor where they can store whatever, but no dope in the individual rooms. I wouldn’t call it a wonderful mecca of humanity, but it’s not working any worse than some solutions.
ghostsniperJuly 8, 2019, 7:58 AM
@Gordon:
About 20 years or so ago Lee County, Florida highwaymen enacted a new method of extracting coin called “Impact Fees”, which at the time I moved away in 2006, was about $2500 per housing unit. This is an additional cost on new construction that is borne by the eventual owner meant to offset the costs of new people moving into the area. Keep in mind, that in 2006 for each $1000 increase in price per any home, 40,000 people nationwide are no longer able to qualify for a home loan.
All of the upfront costs of any given home to be built in southwest Florida can amount to more than $20k and that’s before the shovel touches the ground. The next big jump is what is called “Core Costs”. These are the improvements to the property (land) and all the required items that any house would need, septic system, well system, fill dirt and drainage, sod, air conditioning and heat, plumbing, and electrical. This assumes the property is off water (not on a canal or other body of water). ALL of these things are required and non-negotiable. The smallest home that can be built in Cape Coral, FL is 1100 square feet of living area and it must have a garage at least 19′-4″ wide x 20′-0″ deep inside dimensions. Using those numbers the core costs and upfront costs can be determined in advance. Keep in mind this does not take into consideration what the home owner actually wants to live in. These 2 costs can easily exceed $100k for even the most basic of house. At roughly $150/square foot building cost for a most basic home any person can determine what it takes to become a home owner. (the homes I design of the barrier islands of Sanibel, Captiva, Useppa, Cayo Costa, Boca Grande, have building costs that start at $300/sf and up. Hell, the least expensive lot I have worked on for the past 10 years was over $800k. Just for the postage stamp size, 80’x125′, piece of dirt!)
Most of these costs have migrated mush higher in the past 30 years. In 1988 my wife and I hired a home builder to build us a basic home like I described and the total cost including the lot was $49,990.00. That is not a typo. It was a fairly nice house that I had designed for the builder a few years prior and he had built many of them all over the place, maybe 50 or more, of varying exterior elevation styles to break up the monotony. The one they built for us looked diff than all the others.
Over the next 14 years we lived in that house and did quite a few improvements starting with a built-in pool and screened enclosure. In 2002 we sold that $49k house for $175k and started construction on what would be our empty nester crib (ENC). This new home would be located in an area where no humans had lived since the Calusa indians a thousand years before. No people for miles around, we were elated. We moved into that ENC in late 2002 and because of my connections and where with all in the industry that place cost us $155k and was 10 times nicer than the old one. A year after moving in the largest homebuilder in the state, that I mentioned before, bought 1300 pieces of property all around us and started building trash homes everywhere and stocking them full of every kind of miscreant you can imagine from across the country. They were selling 2000sf homes turnkey for $450 out of pocket. Can you say eventual bubble? They built a nasty looking house right across the road from us and slammed it full of a couple mexican families and that’s when my wife and I threw in the towel on Florida. We put that ENC house on the market with the most successful real estate company in the state and 6 months later, April 2006, it sold after over 300 perspective customers tromped through it. It sold for $379k and after everybody got their share we walked away with a little over $300k. I have not been back to Florida since 2006 and most likely never will, though I continue to extract as much coin out of that state as possible from people far wealthier than I will ever be.
Gordon ScottJuly 8, 2019, 7:30 PM
Ghost,
Yeah, I saw that in Minnesota in the ’00s. If you had a pulse, you could get a mortgage. And I saw them being thrown at people who had no idea what an ARM was. Now either Kamala or Chief Wahoo has proposed $25K gifts to people in neighborhoods that used to be redlined–decades ago. You can bet if that were to pass, some real estate/mortgage broker/appraiser package will be ginned up to suck up that entire payment.
Real World Address for Donations, Mash Notes and Hate Mail
Gerard Van der Leun
1692 MANGROVE AVE
APT 379
Chico, Ca 95926
Green Pants Interior by Klahn
Who Am I? by Carl Sandburg
My head knocks against the stars.
My feet are on the hilltops.
My finger-tips are in the valleys and shores of universal life.
Down in the sounding foam of primal things I reach my hands and play with pebbles of destiny.
I have been to hell and back many times.
I know all about heaven, for I have talked with God.
I dabble in the blood and guts of the terrible.
I know the passionate seizure of beauty
And the marvelous rebellion of man at all signs reading “Keep Off.”
My name is Truth and I am the most elusive captive in the universe.
Duty, Beauty, Liberty, Country, Honor, Family, Faith — Plus a few simple easy to follow rules for guys
Men saw the stars at the edge of the sea
They thought great thoughts about liberty
Poets wrote down words that did fit
Writers wrote books
Thinkers thought about it
Take it where you find it
Can’t leave it alone
You will find a purpose
To carry it on
Mainly when you find it
Your heart will be strong
About it
Many’s the road I have walked upon
Many’s the hour between dusk and dawn
Many’s the time
Many’s the mile
I see it all now
Through the eyes of a child
Take it where you find it
Can’t leave it alone
You will find a purpose
To carry it on
Mainly when you find it
Your heart will be strong
About it
[Chorus]
Lost dreams and found dreams
In America
In America
In America
Lost dreams and found dreams
In America
In America
In America
And close your eyes
Leave it all for a while
Leave the world
And your worries behind
You will build on whatever is real
And wake up each day
To a new waking dream
Take it where you find it
Can’t leave it alone
You will find a purpose
To carry it on
Mainly when you find it
Your heart will be strong
About it
[Chorus]
Change, change come over
Change come over
Talkin’ about a change
Change, change
Change come over, now
Change, change, change come over
I’m gonna walk down the street
Until I see
My shining light
I’m gonna walk down the street
Until I see
My shining light
I’m gonna walk down the street
Until I see
My shining light
I’m gonna walk down the street
Until I see
My shining light
I see my light
See my light
See my shining light
I see my light
See my light
See my shining light
Gerard Van der Leun
Comments on this entry are closed.
Disease vectors for adult children with more money than brain.
My wife and I rented a 2 bedroom/2 bath (both baths being full baths) 1300 sq ft apartment with kitchen, dining area, laundry room, and walk-in closets in both bedrooms for $1 a month less than this “POD”. This was in 2017-18 while we sold our old house and moved to a new city and state to start a new life.
But it’s in what the “Pod People” call “Flyover Jesus land”, and they’re too smart to be caught dead here.
I adhere to the Greta Garbo philosophy of life…. “I vant to be alone.”
Little Miss Born-in-the USSR seems to have picked up Applied Capitalism quite easily in spite of her Big Government rhetoric.
In the ’60s and ’70s one of the first issues to be addressed in “communal living” – i.e. “roommate” – situations was “what about sex between/among roommates?”
I can’t imagine any of these children ever having sex with anybody, ever.
PA Cat beat me to it. Commie gal relishes the idea of communism but clearly is the benefactor of capitalism. If the USSR is so great then swim your left wing pinko-marxist commie ass back to where you came from. Otherwise, she probably has a good idea going with maximizing tenants in a limited space for maximum profit. Nothing wrong with that, but don’t pipe off about things in life that should be expected to just show up for free, like food, safety and toilet paper. Ramon noodles…oh hell no.
I have seen better rooms in state school dormitories. They cost less and had a meal program with them. The soy boys living in this dormitory are losers. This is progress?
When you live most of your waking hours online, and the virtual world is more “real” than the “real” one, your immediate physical circumstances are of secondary importance. I’ll go Rob De Witt one better: not only are these bug(wo)men not having sex, they’re not having anything resembling a healthy real-world relationship with other humans either, despite their physical closeness.
“I’m really just building something I want to live in?” says the entrepreneur that is making good money off the soy boys. Good for her. She could improve her margin by eliminating the tv’s in the pods.
I lived in a YMCA once for about two weeks, in-between jobs.
That’s as low as I ever got, or will ever again.
Went back and took a closer look. Many building and zoning code violations. Density requirements, emergency egresses, lack of fire sprinklers, improper floor-ceiling-wall coverings. Extensive use of highly flammable materials. No fire extinguishers, no exit signs, no emergency lighting. Kitchen lacking fire suppression hood and exhaust fans. Improper food storage. If I did a walk through I bet I could find 100 code violations. Russian hoe not too bright. If that place burns people will die and she’ll be jailed. Maybe she does the start up and sells it quickly to someone else. The ultimate property owner will be the bagman.
Thank God that back in the 1950’s we had Invasion Of The Body Snatchers to warn us about the Pod People.
“If that place burns people will die and she’ll be jailed. Maybe she does the start up and sells it quickly to someone else.” Rang a bell in my memory: the December 2016 fire in a former warehouse in Oakland transformed into an artist collective called the Ghost Ship. Of the 50 people in the building when the fire started, 36 died. It took 52 firefighters five hours to put out the fire. Turned out that the electrical system had been installed by an unlicensed guy. As for the “extensive use of highly flammable materials,” Ghost Ship’s two floors, according to the Oakland FD and the local sheriff’s office, had “makeshift hallways on the first floor constructed of aggregates of salvaged and scavenged materials, such as pianos, organs, windows, wood benches, lumber, and innumerable other items stacked next to and on top of each other. The live-work spaces were separated by a variety of things, including wooden studs, steel beams, doors, window frames, bed frames, railings, pianos, benches, chairs, intact motor homes [!!!–ed.] and trailers, portions of trailers, corrugated metal sheeting, tapestries, plywood, sculptures, tree stumps and tree limbs.” The front stairway to the second floor was made from stacked wooden pallets, which trapped most of the people on the second floor when it began to burn.
What is it about the Bay Area that encourages people to build and live in firetraps?
San Francisco: Nuked too much or not enough.
“What is it about the Bay Area that encourages people to build and live in firetraps?”
==========
Easy access to money?
Actually, that stuff happens everywhere.
People pay heavily for required code inspections during construction that is mostly ignored by you know who. In southwest Florida it is called “Fly by code inspection.” The gov’t mandated code inspectors drive by the jobsite, sign the permit board, then race to the next job. Doing several hundred “inspections” a day but not doing any actual inspecting.
For the record, I’ve never been in favor of any gov’t mandated codes. I believe you get a faulty product or service when you let the gov’t get involved. Ghost services designs far beyond the capabilities of mere gov’t drones, that is why we design more and better buildings everywhere.
It ultimately comes down to the integrity of the property owner(s).
In the late 90’s my company was hired by the largest homebuilder in Florida to design 6 new model homes of varying size and budget. After the initial conceptual designs and during an approval meeting with the owners I told the owners of a design error in one of the plans that they specifically requested. Stick with me. (In Florida the number one reason for residential fires is by the air conditioning system – people forget to do the required maintenance, simply changing the return air filter, it clogs, restricts the airflow, the fan works harder, causes friction, catches fire)
The particular design in question placed the 24 inch x 24 inch return air filter on the wall that was the only logical place to locate a living room couch. The return air filter would have been behind the couch, out of sight, forgotten about, and a potential fire hazard. I pointed this design flaw out to the owners so that it could be corrected, but it would have meant about a $300 increase in the cost of the house due to rerouting the return air duct. The owners chatted among their selves for a couple minutes then told me, while looking me straight in the eye, “We don’t believe our clients are astute enough to figure that out.” Guess what I did. Would you have done what I did? Or would you have taken the money?
This contract paid $12k up front for the initial designs, then $1k per house for all future builds in perpetuity. Possibly hundreds of thousands of dollars over the next 10 years.
I walked.
Had my mouthpiece send them a letter explaining my position in polite but professional terms, that I will no longer provide them design services. I never received the 2nd half of the $12k they owed me and I never sued. Sometimes it’s not about the money.
“Here, I’ll show you the bathroom. Oooooops, nope I won’t show it to you. Come on down here…” What, the stalls don’t even have latches? Yuck.
Do these people not realize they have become Neo-Serfs for the Techno-Aristocracy??
I think I’d rather live in my car.. which I did for about a week back in the early 80’s. It was in the parking lot of a Waffle House on the outskirts of Atlanta. The night cook would come out and wake me up so I could make the 2 mile trek up the RR tracks to my job at the farmers market, And the guy even had breakfast ready for me, too.
In Minneapolis we have this street that runs alongside I-94 for a mile or so. It’s a light industrial zone. Truckers were using it for their mandated rest periods. But now there are RVs and vans and even just cars. Originally they just parked on the freeway side, but now they’re using the other side of the street. It is starting to smell like piss. The trucking regulations are being relaxed somewhat, but I’ll bet this ad hoc rest area isn’t going away. Allegedly lot lizards are working the street, but I haven’t seen them.
My wife, who knows about such things, informs me that there are a couple of under-the-bridge locations that get sluiced out by the fire department on a daily basis to get rid of the shit and piss.
Ghost/Hank Reardonsniper can confirm what I know: they have made it uneconomical to build inexpensive housing in cities. By the time you include all of the overhead costs like permitting and inspections and kissing the ass of the local council member, you may as well build fancier units, because they cost less to operate in the long run. Flophouses–which is what is really needed–require a lot of maintenance.
There is a building out on the edge of downtown for addicts. It is well cared for and has rules: no using on the premises. Each resident gets a locker on the ground floor where they can store whatever, but no dope in the individual rooms. I wouldn’t call it a wonderful mecca of humanity, but it’s not working any worse than some solutions.
@Gordon:
About 20 years or so ago Lee County, Florida highwaymen enacted a new method of extracting coin called “Impact Fees”, which at the time I moved away in 2006, was about $2500 per housing unit. This is an additional cost on new construction that is borne by the eventual owner meant to offset the costs of new people moving into the area. Keep in mind, that in 2006 for each $1000 increase in price per any home, 40,000 people nationwide are no longer able to qualify for a home loan.
All of the upfront costs of any given home to be built in southwest Florida can amount to more than $20k and that’s before the shovel touches the ground. The next big jump is what is called “Core Costs”. These are the improvements to the property (land) and all the required items that any house would need, septic system, well system, fill dirt and drainage, sod, air conditioning and heat, plumbing, and electrical. This assumes the property is off water (not on a canal or other body of water). ALL of these things are required and non-negotiable. The smallest home that can be built in Cape Coral, FL is 1100 square feet of living area and it must have a garage at least 19′-4″ wide x 20′-0″ deep inside dimensions. Using those numbers the core costs and upfront costs can be determined in advance. Keep in mind this does not take into consideration what the home owner actually wants to live in. These 2 costs can easily exceed $100k for even the most basic of house. At roughly $150/square foot building cost for a most basic home any person can determine what it takes to become a home owner. (the homes I design of the barrier islands of Sanibel, Captiva, Useppa, Cayo Costa, Boca Grande, have building costs that start at $300/sf and up. Hell, the least expensive lot I have worked on for the past 10 years was over $800k. Just for the postage stamp size, 80’x125′, piece of dirt!)
Most of these costs have migrated mush higher in the past 30 years. In 1988 my wife and I hired a home builder to build us a basic home like I described and the total cost including the lot was $49,990.00. That is not a typo. It was a fairly nice house that I had designed for the builder a few years prior and he had built many of them all over the place, maybe 50 or more, of varying exterior elevation styles to break up the monotony. The one they built for us looked diff than all the others.
Over the next 14 years we lived in that house and did quite a few improvements starting with a built-in pool and screened enclosure. In 2002 we sold that $49k house for $175k and started construction on what would be our empty nester crib (ENC). This new home would be located in an area where no humans had lived since the Calusa indians a thousand years before. No people for miles around, we were elated. We moved into that ENC in late 2002 and because of my connections and where with all in the industry that place cost us $155k and was 10 times nicer than the old one. A year after moving in the largest homebuilder in the state, that I mentioned before, bought 1300 pieces of property all around us and started building trash homes everywhere and stocking them full of every kind of miscreant you can imagine from across the country. They were selling 2000sf homes turnkey for $450 out of pocket. Can you say eventual bubble? They built a nasty looking house right across the road from us and slammed it full of a couple mexican families and that’s when my wife and I threw in the towel on Florida. We put that ENC house on the market with the most successful real estate company in the state and 6 months later, April 2006, it sold after over 300 perspective customers tromped through it. It sold for $379k and after everybody got their share we walked away with a little over $300k. I have not been back to Florida since 2006 and most likely never will, though I continue to extract as much coin out of that state as possible from people far wealthier than I will ever be.
Ghost,
Yeah, I saw that in Minnesota in the ’00s. If you had a pulse, you could get a mortgage. And I saw them being thrown at people who had no idea what an ARM was. Now either Kamala or Chief Wahoo has proposed $25K gifts to people in neighborhoods that used to be redlined–decades ago. You can bet if that were to pass, some real estate/mortgage broker/appraiser package will be ginned up to suck up that entire payment.