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equalizer.
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April 12, 2011 at 4:34 PM #687020April 12, 2011 at 4:42 PM #685855
scaredyclassic
ParticipantThat has a dollar value.
Can you quantify it or do you need my help? I can call an expert.
I kind of picture hot phd women being coldly analytical in a very sexy way. Producing such amazing offspring. But I guess that’s just a fantasy
April 12, 2011 at 4:42 PM #685908ParticipantThat has a dollar value.
Can you quantify it or do you need my help? I can call an expert.
I kind of picture hot phd women being coldly analytical in a very sexy way. Producing such amazing offspring. But I guess that’s just a fantasy
April 12, 2011 at 4:42 PM #686532ParticipantThat has a dollar value.
Can you quantify it or do you need my help? I can call an expert.
I kind of picture hot phd women being coldly analytical in a very sexy way. Producing such amazing offspring. But I guess that’s just a fantasy
April 12, 2011 at 4:42 PM #686674ParticipantThat has a dollar value.
Can you quantify it or do you need my help? I can call an expert.
I kind of picture hot phd women being coldly analytical in a very sexy way. Producing such amazing offspring. But I guess that’s just a fantasy
April 12, 2011 at 4:42 PM #687025ParticipantThat has a dollar value.
Can you quantify it or do you need my help? I can call an expert.
I kind of picture hot phd women being coldly analytical in a very sexy way. Producing such amazing offspring. But I guess that’s just a fantasy
April 12, 2011 at 5:47 PM #685865CafeMoto
Participant[quote=UCguy]Sigh….
It seems to make more sense to wait at least 2 more years maybe 3 tops….until so we can put 20% (and be under 417K).That is how I am thinking of a middle ground compromise.
How I will come up with that 20%: well, I want to have some cash on hand so I will probably borrow 5% from 401k (30K), preferably from less riskier one (the 403b0, AND make sure I have AT LEAST THAT MUCH left in cash, if not more. So, I need to save ~50K or 25K a year.
We have already reduced the 403b contribution to a minimum (because of no more matching in UCSD), on the other hand I will continue to contribute to my 401k 6% (the company will match 3%) – so I won’t max it out anymore.
The upside of this wait is that in a couple of years it would be hopefully a more normal market, with tighter rules, and lower home prices…I never thought it would take this long though, so who knows how long this still has to unfold….[/quote]
I agree with this decision, it is like jstoesz said; if people that can afford to get in at 550K (but its a huge stretch) stop buying the most house they can afford prices will come down. Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.
April 12, 2011 at 5:47 PM #685918Participant[quote=UCguy]Sigh….
It seems to make more sense to wait at least 2 more years maybe 3 tops….until so we can put 20% (and be under 417K).That is how I am thinking of a middle ground compromise.
How I will come up with that 20%: well, I want to have some cash on hand so I will probably borrow 5% from 401k (30K), preferably from less riskier one (the 403b0, AND make sure I have AT LEAST THAT MUCH left in cash, if not more. So, I need to save ~50K or 25K a year.
We have already reduced the 403b contribution to a minimum (because of no more matching in UCSD), on the other hand I will continue to contribute to my 401k 6% (the company will match 3%) – so I won’t max it out anymore.
The upside of this wait is that in a couple of years it would be hopefully a more normal market, with tighter rules, and lower home prices…I never thought it would take this long though, so who knows how long this still has to unfold….[/quote]
I agree with this decision, it is like jstoesz said; if people that can afford to get in at 550K (but its a huge stretch) stop buying the most house they can afford prices will come down. Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.
April 12, 2011 at 5:47 PM #686542Participant[quote=UCguy]Sigh….
It seems to make more sense to wait at least 2 more years maybe 3 tops….until so we can put 20% (and be under 417K).That is how I am thinking of a middle ground compromise.
How I will come up with that 20%: well, I want to have some cash on hand so I will probably borrow 5% from 401k (30K), preferably from less riskier one (the 403b0, AND make sure I have AT LEAST THAT MUCH left in cash, if not more. So, I need to save ~50K or 25K a year.
We have already reduced the 403b contribution to a minimum (because of no more matching in UCSD), on the other hand I will continue to contribute to my 401k 6% (the company will match 3%) – so I won’t max it out anymore.
The upside of this wait is that in a couple of years it would be hopefully a more normal market, with tighter rules, and lower home prices…I never thought it would take this long though, so who knows how long this still has to unfold….[/quote]
I agree with this decision, it is like jstoesz said; if people that can afford to get in at 550K (but its a huge stretch) stop buying the most house they can afford prices will come down. Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.
April 12, 2011 at 5:47 PM #686684Participant[quote=UCguy]Sigh….
It seems to make more sense to wait at least 2 more years maybe 3 tops….until so we can put 20% (and be under 417K).That is how I am thinking of a middle ground compromise.
How I will come up with that 20%: well, I want to have some cash on hand so I will probably borrow 5% from 401k (30K), preferably from less riskier one (the 403b0, AND make sure I have AT LEAST THAT MUCH left in cash, if not more. So, I need to save ~50K or 25K a year.
We have already reduced the 403b contribution to a minimum (because of no more matching in UCSD), on the other hand I will continue to contribute to my 401k 6% (the company will match 3%) – so I won’t max it out anymore.
The upside of this wait is that in a couple of years it would be hopefully a more normal market, with tighter rules, and lower home prices…I never thought it would take this long though, so who knows how long this still has to unfold….[/quote]
I agree with this decision, it is like jstoesz said; if people that can afford to get in at 550K (but its a huge stretch) stop buying the most house they can afford prices will come down. Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.
April 12, 2011 at 5:47 PM #687035Participant[quote=UCguy]Sigh….
It seems to make more sense to wait at least 2 more years maybe 3 tops….until so we can put 20% (and be under 417K).That is how I am thinking of a middle ground compromise.
How I will come up with that 20%: well, I want to have some cash on hand so I will probably borrow 5% from 401k (30K), preferably from less riskier one (the 403b0, AND make sure I have AT LEAST THAT MUCH left in cash, if not more. So, I need to save ~50K or 25K a year.
We have already reduced the 403b contribution to a minimum (because of no more matching in UCSD), on the other hand I will continue to contribute to my 401k 6% (the company will match 3%) – so I won’t max it out anymore.
The upside of this wait is that in a couple of years it would be hopefully a more normal market, with tighter rules, and lower home prices…I never thought it would take this long though, so who knows how long this still has to unfold….[/quote]
I agree with this decision, it is like jstoesz said; if people that can afford to get in at 550K (but its a huge stretch) stop buying the most house they can afford prices will come down. Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.
April 12, 2011 at 5:59 PM #685870an
Participant[quote=CafeMoto]Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.[/quote]
What’s your definition of “too many”? According to SanDag, http://profilewarehouse.sandag.org/profiles/est/reg999est.pdf, there are 28,404 households in San Diego that make >$200k and 26,647 households making between $150k-$200k.April 12, 2011 at 5:59 PM #685923Participant[quote=CafeMoto]Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.[/quote]
What’s your definition of “too many”? According to SanDag, http://profilewarehouse.sandag.org/profiles/est/reg999est.pdf, there are 28,404 households in San Diego that make >$200k and 26,647 households making between $150k-$200k.April 12, 2011 at 5:59 PM #686547Participant[quote=CafeMoto]Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.[/quote]
What’s your definition of “too many”? According to SanDag, http://profilewarehouse.sandag.org/profiles/est/reg999est.pdf, there are 28,404 households in San Diego that make >$200k and 26,647 households making between $150k-$200k.April 12, 2011 at 5:59 PM #686689Participant[quote=CafeMoto]Not too many households making close to 200k so prices are likely to keep sliding I believe. Wishing you and the piggs who have bought nothing but the best. Your kids and friends will probably enjoy you more as parents not being financially rung.[/quote]
What’s your definition of “too many”? According to SanDag, http://profilewarehouse.sandag.org/profiles/est/reg999est.pdf, there are 28,404 households in San Diego that make >$200k and 26,647 households making between $150k-$200k. -
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