Carmel Valley Single Family Home below 600K

[ocrenter]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn’t be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become “homeless”. It’s not like everyone who buys a home is a flipper.

I don’t really think it is about cashing in on the misfortune of others as much as it is about waiting for the artificially inflated prices to return to the norm.

For the folks that bought prior to the run up, good for them. A lot of them did one thing right, they were born a few years earlier. therefore they were already in the work force and bought when they did.

the true victims of the price run up are the folks that were born a few years too late, they got out of school or they just moved into town just in time to find the prices skyrocket.

when the prices were increasing, the public were kept away from the true cause of the run up. they were told this was a legitimate price increase caused by increase in population and the lack of land. two things that the victims could have done. #1, listened to that reasoning and buy something they knew they couldn’t afford, or #2, do their own research and stay out of the market.

I would not come in here and start slamming the community of posters here because they and Rich truly have helped a lot of folks fight that urge to buy, and these folks truly are a whole lot better off for it.

[ocrenter]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn’t be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become “homeless”. It’s not like everyone who buys a home is a flipper.

I don’t really think it is about cashing in on the misfortune of others as much as it is about waiting for the artificially inflated prices to return to the norm.

For the folks that bought prior to the run up, good for them. A lot of them did one thing right, they were born a few years earlier. therefore they were already in the work force and bought when they did.

the true victims of the price run up are the folks that were born a few years too late, they got out of school or they just moved into town just in time to find the prices skyrocket.

when the prices were increasing, the public were kept away from the true cause of the run up. they were told this was a legitimate price increase caused by increase in population and the lack of land. two things that the victims could have done. #1, listened to that reasoning and buy something they knew they couldn’t afford, or #2, do their own research and stay out of the market.

I would not come in here and start slamming the community of posters here because they and Rich truly have helped a lot of folks fight that urge to buy, and these folks truly are a whole lot better off for it.

[ocrenter]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn’t be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become “homeless”. It’s not like everyone who buys a home is a flipper.

I don’t really think it is about cashing in on the misfortune of others as much as it is about waiting for the artificially inflated prices to return to the norm.

For the folks that bought prior to the run up, good for them. A lot of them did one thing right, they were born a few years earlier. therefore they were already in the work force and bought when they did.

the true victims of the price run up are the folks that were born a few years too late, they got out of school or they just moved into town just in time to find the prices skyrocket.

when the prices were increasing, the public were kept away from the true cause of the run up. they were told this was a legitimate price increase caused by increase in population and the lack of land. two things that the victims could have done. #1, listened to that reasoning and buy something they knew they couldn’t afford, or #2, do their own research and stay out of the market.

I would not come in here and start slamming the community of posters here because they and Rich truly have helped a lot of folks fight that urge to buy, and these folks truly are a whole lot better off for it.

[Coronita]

FLU,
How does one go about putting a freeze on their credit, and is it a huge pain to take it off?
Thanks for info you can provide.

 

novice1027. It's actually pretty easy to put a credit freeze on. Basically, all you need to do is mail(snail mail) each of the three credit bureau (experion, transunion, equifax) requesting that you put a credit freeze. In the letter, you provide your personal information and a $10 check.A few weeks later, you'll get a mail from each of the credit bureaus containing a pin number. You use the pin number to temporary "unlock" your credit file. You can unlock it for a specific person/entity or you can unlock the file for a period of time (for example 10 days).

The slight hassle is making your credit available to others when you need to. FSo if you buy a new car with a loan for example, you need to unlock your credit file in time for the loan company to run a credit check, otherwise they will be denied. If you apply for a job where they are doing background checks and credit checks, you need to unlock your file around the time they plan on running the background check.

It's not really a big deal..If you tell the employer/loan company that you have a credit freeze and explain what it is, they will usually work with you. It's merely a coordination task for you to do.

One positive note asside from someone randomly stealing your credit…It prevents those spontaneous purchases requiring a loan application.

 

Here's some more information.

http://www.privacy.ca.gov/sheets/cis10securityfreeze.htm

Fortunately, we're one of the states that allows for this. Obviously the credit bureaus are trying repeal this.

 

 

[Coronita]

FLU,
How does one go about putting a freeze on their credit, and is it a huge pain to take it off?
Thanks for info you can provide.

 

novice1027. It's actually pretty easy to put a credit freeze on. Basically, all you need to do is mail(snail mail) each of the three credit bureau (experion, transunion, equifax) requesting that you put a credit freeze. In the letter, you provide your personal information and a $10 check.A few weeks later, you'll get a mail from each of the credit bureaus containing a pin number. You use the pin number to temporary "unlock" your credit file. You can unlock it for a specific person/entity or you can unlock the file for a period of time (for example 10 days).

The slight hassle is making your credit available to others when you need to. FSo if you buy a new car with a loan for example, you need to unlock your credit file in time for the loan company to run a credit check, otherwise they will be denied. If you apply for a job where they are doing background checks and credit checks, you need to unlock your file around the time they plan on running the background check.

It's not really a big deal..If you tell the employer/loan company that you have a credit freeze and explain what it is, they will usually work with you. It's merely a coordination task for you to do.

One positive note asside from someone randomly stealing your credit…It prevents those spontaneous purchases requiring a loan application.

 

Here's some more information.

http://www.privacy.ca.gov/sheets/cis10securityfreeze.htm

Fortunately, we're one of the states that allows for this. Obviously the credit bureaus are trying repeal this.

 

 

[Coronita]

FLU,
How does one go about putting a freeze on their credit, and is it a huge pain to take it off?
Thanks for info you can provide.

 

novice1027. It's actually pretty easy to put a credit freeze on. Basically, all you need to do is mail(snail mail) each of the three credit bureau (experion, transunion, equifax) requesting that you put a credit freeze. In the letter, you provide your personal information and a $10 check.A few weeks later, you'll get a mail from each of the credit bureaus containing a pin number. You use the pin number to temporary "unlock" your credit file. You can unlock it for a specific person/entity or you can unlock the file for a period of time (for example 10 days).

The slight hassle is making your credit available to others when you need to. FSo if you buy a new car with a loan for example, you need to unlock your credit file in time for the loan company to run a credit check, otherwise they will be denied. If you apply for a job where they are doing background checks and credit checks, you need to unlock your file around the time they plan on running the background check.

It's not really a big deal..If you tell the employer/loan company that you have a credit freeze and explain what it is, they will usually work with you. It's merely a coordination task for you to do.

One positive note asside from someone randomly stealing your credit…It prevents those spontaneous purchases requiring a loan application.

 

Here's some more information.

http://www.privacy.ca.gov/sheets/cis10securityfreeze.htm

Fortunately, we're one of the states that allows for this. Obviously the credit bureaus are trying repeal this.

 

 

[Coronita]

FLU,
How does one go about putting a freeze on their credit, and is it a huge pain to take it off?
Thanks for info you can provide.

 

novice1027. It's actually pretty easy to put a credit freeze on. Basically, all you need to do is mail(snail mail) each of the three credit bureau (experion, transunion, equifax) requesting that you put a credit freeze. In the letter, you provide your personal information and a $10 check.A few weeks later, you'll get a mail from each of the credit bureaus containing a pin number. You use the pin number to temporary "unlock" your credit file. You can unlock it for a specific person/entity or you can unlock the file for a period of time (for example 10 days).

The slight hassle is making your credit available to others when you need to. FSo if you buy a new car with a loan for example, you need to unlock your credit file in time for the loan company to run a credit check, otherwise they will be denied. If you apply for a job where they are doing background checks and credit checks, you need to unlock your file around the time they plan on running the background check.

It's not really a big deal..If you tell the employer/loan company that you have a credit freeze and explain what it is, they will usually work with you. It's merely a coordination task for you to do.

One positive note asside from someone randomly stealing your credit…It prevents those spontaneous purchases requiring a loan application.

 

Here's some more information.

http://www.privacy.ca.gov/sheets/cis10securityfreeze.htm

Fortunately, we're one of the states that allows for this. Obviously the credit bureaus are trying repeal this.

 

 

[Coronita]

FLU,
How does one go about putting a freeze on their credit, and is it a huge pain to take it off?
Thanks for info you can provide.

 

novice1027. It's actually pretty easy to put a credit freeze on. Basically, all you need to do is mail(snail mail) each of the three credit bureau (experion, transunion, equifax) requesting that you put a credit freeze. In the letter, you provide your personal information and a $10 check.A few weeks later, you'll get a mail from each of the credit bureaus containing a pin number. You use the pin number to temporary "unlock" your credit file. You can unlock it for a specific person/entity or you can unlock the file for a period of time (for example 10 days).

The slight hassle is making your credit available to others when you need to. FSo if you buy a new car with a loan for example, you need to unlock your credit file in time for the loan company to run a credit check, otherwise they will be denied. If you apply for a job where they are doing background checks and credit checks, you need to unlock your file around the time they plan on running the background check.

It's not really a big deal..If you tell the employer/loan company that you have a credit freeze and explain what it is, they will usually work with you. It's merely a coordination task for you to do.

One positive note asside from someone randomly stealing your credit…It prevents those spontaneous purchases requiring a loan application.

 

Here's some more information.

http://www.privacy.ca.gov/sheets/cis10securityfreeze.htm

Fortunately, we're one of the states that allows for this. Obviously the credit bureaus are trying repeal this.

 

 

[Coronita]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn't be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become "homeless". It's not like everyone who buys a home is a flipper.

 

Justbought, Don't feel bad. It's just that other people are jealous.

Other people, don't feel bad. Look at all the people that bought and now are worried about things falling.

Other people's people. Don't feel bad. <insert your house's complex> is immune to the price fall occuring in <insert your city>

Other people, don't feel bad, you don't have to buy in that complex that is immune to the price fall.

Other people that is in a complex where the price is falling, don't feel bad you're making a lot of money in the long position in the stock market.

Other people shorting the stock market, don't feel bad you're making a lot of money shorting the market the last two weeks.

Other people holding onto cash…Don't feel bad, at least your not losing money in the stock market either way.

Other people not holding onto cash. Don't feel bad, at least your not losing money watching your dollars depreciating

Other people buying gold and energy. Don't feel bad, precious metals and energy is going up.

Other people not buying gold and energy. Don't feel bad, metals and energy are a bubble going to come crashing down.

People that still feeling bad…Don't feel bad, at least you still have a job.

Jobless? Don't feel bad, at least you have a good family and/or health.

Still feeling bad, dont' worry there are pills you can take to make you feel better. Talk to your doctor about Zoloft.

 

 

See, there's something to feel good about at any point in time.

[Coronita]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn't be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become "homeless". It's not like everyone who buys a home is a flipper.

 

Justbought, Don't feel bad. It's just that other people are jealous.

Other people, don't feel bad. Look at all the people that bought and now are worried about things falling.

Other people's people. Don't feel bad. <insert your house's complex> is immune to the price fall occuring in <insert your city>

Other people, don't feel bad, you don't have to buy in that complex that is immune to the price fall.

Other people that is in a complex where the price is falling, don't feel bad you're making a lot of money in the long position in the stock market.

Other people shorting the stock market, don't feel bad you're making a lot of money shorting the market the last two weeks.

Other people holding onto cash…Don't feel bad, at least your not losing money in the stock market either way.

Other people not holding onto cash. Don't feel bad, at least your not losing money watching your dollars depreciating

Other people buying gold and energy. Don't feel bad, precious metals and energy is going up.

Other people not buying gold and energy. Don't feel bad, metals and energy are a bubble going to come crashing down.

People that still feeling bad…Don't feel bad, at least you still have a job.

Jobless? Don't feel bad, at least you have a good family and/or health.

Still feeling bad, dont' worry there are pills you can take to make you feel better. Talk to your doctor about Zoloft.

 

 

See, there's something to feel good about at any point in time.

[Coronita]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn't be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become "homeless". It's not like everyone who buys a home is a flipper.

 

Justbought, Don't feel bad. It's just that other people are jealous.

Other people, don't feel bad. Look at all the people that bought and now are worried about things falling.

Other people's people. Don't feel bad. <insert your house's complex> is immune to the price fall occuring in <insert your city>

Other people, don't feel bad, you don't have to buy in that complex that is immune to the price fall.

Other people that is in a complex where the price is falling, don't feel bad you're making a lot of money in the long position in the stock market.

Other people shorting the stock market, don't feel bad you're making a lot of money shorting the market the last two weeks.

Other people holding onto cash…Don't feel bad, at least your not losing money in the stock market either way.

Other people not holding onto cash. Don't feel bad, at least your not losing money watching your dollars depreciating

Other people buying gold and energy. Don't feel bad, precious metals and energy is going up.

Other people not buying gold and energy. Don't feel bad, metals and energy are a bubble going to come crashing down.

People that still feeling bad…Don't feel bad, at least you still have a job.

Jobless? Don't feel bad, at least you have a good family and/or health.

Still feeling bad, dont' worry there are pills you can take to make you feel better. Talk to your doctor about Zoloft.

 

 

See, there's something to feel good about at any point in time.

[Coronita]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn't be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become "homeless". It's not like everyone who buys a home is a flipper.

 

Justbought, Don't feel bad. It's just that other people are jealous.

Other people, don't feel bad. Look at all the people that bought and now are worried about things falling.

Other people's people. Don't feel bad. <insert your house's complex> is immune to the price fall occuring in <insert your city>

Other people, don't feel bad, you don't have to buy in that complex that is immune to the price fall.

Other people that is in a complex where the price is falling, don't feel bad you're making a lot of money in the long position in the stock market.

Other people shorting the stock market, don't feel bad you're making a lot of money shorting the market the last two weeks.

Other people holding onto cash…Don't feel bad, at least your not losing money in the stock market either way.

Other people not holding onto cash. Don't feel bad, at least your not losing money watching your dollars depreciating

Other people buying gold and energy. Don't feel bad, precious metals and energy is going up.

Other people not buying gold and energy. Don't feel bad, metals and energy are a bubble going to come crashing down.

People that still feeling bad…Don't feel bad, at least you still have a job.

Jobless? Don't feel bad, at least you have a good family and/or health.

Still feeling bad, dont' worry there are pills you can take to make you feel better. Talk to your doctor about Zoloft.

 

 

See, there's something to feel good about at any point in time.

[Coronita]

you know, it seems that some folks on this forum are just waiting to cash-in on misfortunes of others, no matter what the circumstances are. While I am also upset about flippers, I wouldn't be rubbing my hands waiting for the whole market to crash so that I can have a home while many families (who made some bad decisions) become "homeless". It's not like everyone who buys a home is a flipper.

 

Justbought, Don't feel bad. It's just that other people are jealous.

Other people, don't feel bad. Look at all the people that bought and now are worried about things falling.

Other people's people. Don't feel bad. <insert your house's complex> is immune to the price fall occuring in <insert your city>

Other people, don't feel bad, you don't have to buy in that complex that is immune to the price fall.

Other people that is in a complex where the price is falling, don't feel bad you're making a lot of money in the long position in the stock market.

Other people shorting the stock market, don't feel bad you're making a lot of money shorting the market the last two weeks.

Other people holding onto cash…Don't feel bad, at least your not losing money in the stock market either way.

Other people not holding onto cash. Don't feel bad, at least your not losing money watching your dollars depreciating

Other people buying gold and energy. Don't feel bad, precious metals and energy is going up.

Other people not buying gold and energy. Don't feel bad, metals and energy are a bubble going to come crashing down.

People that still feeling bad…Don't feel bad, at least you still have a job.

Jobless? Don't feel bad, at least you have a good family and/or health.

Still feeling bad, dont' worry there are pills you can take to make you feel better. Talk to your doctor about Zoloft.

 

 

See, there's something to feel good about at any point in time.

[SD Realtor]

tg I am gonna stay away from it… man I am salivating over this game because I think drew is going to run all over the chargers and I believe he has one return in him on special teams.

you can email me at [email protected] if you like…I may be

******

ocrenter you have brought up a good point and I tried to echo that in the first line or two of my posting. The work that Rich and others have done (and continue to do) for this site is outstanding. As you pointed out I believe many people have reaped rewards or at least saved big dollars due to the exposure of the opinions on this board. Maybe they sold or priced their home more aggressively, or perhaps they held off on that purchase for a spell… Also there is alot of digging that goes on by people like yourseld and others that is quite valuable.

In terms of slamming the community, no they should not be slammed. Thinking out loud though, should a lurker who has been considering buying in 4S and who finally gets the nuts up to post, should that guy be slammed or gently sent to timeout? heheheheh… you know what I mean? Also what rubs me a little (okay alot) wrong are sensationalistic posts on the other side of the coin. Cries of fraud or posts that are very speculative but made to seem factual. I have responded to those because they irk me more then the foolish buyer posts. My responses are simply to find the facts of the sale out and I try to confine them to that without making any rude comments..

SD Realtor

[SD Realtor]

tg I am gonna stay away from it… man I am salivating over this game because I think drew is going to run all over the chargers and I believe he has one return in him on special teams.

you can email me at [email protected] if you like…I may be

******

ocrenter you have brought up a good point and I tried to echo that in the first line or two of my posting. The work that Rich and others have done (and continue to do) for this site is outstanding. As you pointed out I believe many people have reaped rewards or at least saved big dollars due to the exposure of the opinions on this board. Maybe they sold or priced their home more aggressively, or perhaps they held off on that purchase for a spell… Also there is alot of digging that goes on by people like yourseld and others that is quite valuable.

In terms of slamming the community, no they should not be slammed. Thinking out loud though, should a lurker who has been considering buying in 4S and who finally gets the nuts up to post, should that guy be slammed or gently sent to timeout? heheheheh… you know what I mean? Also what rubs me a little (okay alot) wrong are sensationalistic posts on the other side of the coin. Cries of fraud or posts that are very speculative but made to seem factual. I have responded to those because they irk me more then the foolish buyer posts. My responses are simply to find the facts of the sale out and I try to confine them to that without making any rude comments..

SD Realtor

[Author]

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