- This topic has 255 replies, 30 voices, and was last updated 15 years ago by
Anonymous.
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AuthorPosts
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March 14, 2008 at 11:15 AM #12111
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March 14, 2008 at 11:21 AM #169486
evolusd
ParticipantI’m guessing you’re going to hear a lot of the same responses…
This decline is not over…don’t make an offer at all!
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March 14, 2008 at 11:36 AM #169511
bub
ParticipantNot even gonna try and be diplomatic.
Open your eyes for Christ’s sake!
THIS IS NOT THE TIME TO BE EVEN CONSIDERING BUYING A FRICKIN HOUSE!
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March 14, 2008 at 11:36 AM #169844Participant
Not even gonna try and be diplomatic.
Open your eyes for Christ’s sake!
THIS IS NOT THE TIME TO BE EVEN CONSIDERING BUYING A FRICKIN HOUSE!
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March 14, 2008 at 11:36 AM #169848Participant
Not even gonna try and be diplomatic.
Open your eyes for Christ’s sake!
THIS IS NOT THE TIME TO BE EVEN CONSIDERING BUYING A FRICKIN HOUSE!
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March 14, 2008 at 11:36 AM #169870Participant
Not even gonna try and be diplomatic.
Open your eyes for Christ’s sake!
THIS IS NOT THE TIME TO BE EVEN CONSIDERING BUYING A FRICKIN HOUSE!
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March 14, 2008 at 11:36 AM #169948Participant
Not even gonna try and be diplomatic.
Open your eyes for Christ’s sake!
THIS IS NOT THE TIME TO BE EVEN CONSIDERING BUYING A FRICKIN HOUSE!
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March 14, 2008 at 11:21 AM #169819Participant
I’m guessing you’re going to hear a lot of the same responses…
This decline is not over…don’t make an offer at all!
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March 14, 2008 at 11:21 AM #169823Participant
I’m guessing you’re going to hear a lot of the same responses…
This decline is not over…don’t make an offer at all!
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March 14, 2008 at 11:21 AM #169846Participant
I’m guessing you’re going to hear a lot of the same responses…
This decline is not over…don’t make an offer at all!
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March 14, 2008 at 11:21 AM #169923Participant
I’m guessing you’re going to hear a lot of the same responses…
This decline is not over…don’t make an offer at all!
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March 14, 2008 at 11:38 AM #169522
patientlywaiting
ParticipantHelloKitty, you need to follow temeculaguy’s comments. He knows that area very well and you would benefit from his expertize.
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March 14, 2008 at 11:45 AM #169527
Enorah
ParticipantHelloKitty, I have often found when something is not working for me or moving forward in the way I think I want it to, it is best for me to slow down and look at what I am not seeing. Do not try to force something to happen here, for you surely will regret that. Allow your life to flow and be patient enough to receive what is for your highest good.
I feel this moment has been a gift of sorts for you.
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March 14, 2008 at 11:45 AM #169859Participant
HelloKitty, I have often found when something is not working for me or moving forward in the way I think I want it to, it is best for me to slow down and look at what I am not seeing. Do not try to force something to happen here, for you surely will regret that. Allow your life to flow and be patient enough to receive what is for your highest good.
I feel this moment has been a gift of sorts for you.
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March 14, 2008 at 11:45 AM #169863Participant
HelloKitty, I have often found when something is not working for me or moving forward in the way I think I want it to, it is best for me to slow down and look at what I am not seeing. Do not try to force something to happen here, for you surely will regret that. Allow your life to flow and be patient enough to receive what is for your highest good.
I feel this moment has been a gift of sorts for you.
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March 14, 2008 at 11:45 AM #169886Participant
HelloKitty, I have often found when something is not working for me or moving forward in the way I think I want it to, it is best for me to slow down and look at what I am not seeing. Do not try to force something to happen here, for you surely will regret that. Allow your life to flow and be patient enough to receive what is for your highest good.
I feel this moment has been a gift of sorts for you.
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March 14, 2008 at 11:45 AM #169963Participant
HelloKitty, I have often found when something is not working for me or moving forward in the way I think I want it to, it is best for me to slow down and look at what I am not seeing. Do not try to force something to happen here, for you surely will regret that. Allow your life to flow and be patient enough to receive what is for your highest good.
I feel this moment has been a gift of sorts for you.
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March 14, 2008 at 11:50 AM #169531
blackbox
ParticipantIf you absolutely have to buy a house right now, find a used house salesman that has experienced at least one housing bust. Most agents out there right now have never seen a down market. At least the exprience guy will give you a balance viewpoint, and not keep repeating what the list price was two years ago, and how it is a screaming deal right now! The experience guy or gal will also be able to catch a sales trick before you even have to waste your time going to see the house. My brother, who is in LA, can give you the full run down on a property within minutes of telling him the address, thru the internet and he’s RE contacts, but he has been doing real estate for 18 years.
Get yourself an home bust experienced person if you have to buy a home right now.-
March 14, 2008 at 12:03 PM #169536
Ex-SD
ParticipantDo NOT…..Do NOT………..Do NOT………..
Buy a home at this time. Granted, you’re looking in the Murrieta/Temecula area which will probably bottom out long before San Diego but it’s still too early to buy. Maybe it will be time to buy in Temecula in a year/maybe two……but Do NOT buy now!
You’ll be throwing money down the toilet.(Rant off)
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March 14, 2008 at 12:03 PM #169869Participant
Do NOT…..Do NOT………..Do NOT………..
Buy a home at this time. Granted, you’re looking in the Murrieta/Temecula area which will probably bottom out long before San Diego but it’s still too early to buy. Maybe it will be time to buy in Temecula in a year/maybe two……but Do NOT buy now!
You’ll be throwing money down the toilet.(Rant off)
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March 14, 2008 at 12:03 PM #169873Participant
Do NOT…..Do NOT………..Do NOT………..
Buy a home at this time. Granted, you’re looking in the Murrieta/Temecula area which will probably bottom out long before San Diego but it’s still too early to buy. Maybe it will be time to buy in Temecula in a year/maybe two……but Do NOT buy now!
You’ll be throwing money down the toilet.(Rant off)
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March 14, 2008 at 12:03 PM #169895Participant
Do NOT…..Do NOT………..Do NOT………..
Buy a home at this time. Granted, you’re looking in the Murrieta/Temecula area which will probably bottom out long before San Diego but it’s still too early to buy. Maybe it will be time to buy in Temecula in a year/maybe two……but Do NOT buy now!
You’ll be throwing money down the toilet.(Rant off)
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March 14, 2008 at 12:03 PM #169973Participant
Do NOT…..Do NOT………..Do NOT………..
Buy a home at this time. Granted, you’re looking in the Murrieta/Temecula area which will probably bottom out long before San Diego but it’s still too early to buy. Maybe it will be time to buy in Temecula in a year/maybe two……but Do NOT buy now!
You’ll be throwing money down the toilet.(Rant off)
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March 14, 2008 at 11:50 AM #169864Participant
If you absolutely have to buy a house right now, find a used house salesman that has experienced at least one housing bust. Most agents out there right now have never seen a down market. At least the exprience guy will give you a balance viewpoint, and not keep repeating what the list price was two years ago, and how it is a screaming deal right now! The experience guy or gal will also be able to catch a sales trick before you even have to waste your time going to see the house. My brother, who is in LA, can give you the full run down on a property within minutes of telling him the address, thru the internet and he’s RE contacts, but he has been doing real estate for 18 years.
Get yourself an home bust experienced person if you have to buy a home right now. -
March 14, 2008 at 11:50 AM #169868Participant
If you absolutely have to buy a house right now, find a used house salesman that has experienced at least one housing bust. Most agents out there right now have never seen a down market. At least the exprience guy will give you a balance viewpoint, and not keep repeating what the list price was two years ago, and how it is a screaming deal right now! The experience guy or gal will also be able to catch a sales trick before you even have to waste your time going to see the house. My brother, who is in LA, can give you the full run down on a property within minutes of telling him the address, thru the internet and he’s RE contacts, but he has been doing real estate for 18 years.
Get yourself an home bust experienced person if you have to buy a home right now. -
March 14, 2008 at 11:50 AM #169890Participant
If you absolutely have to buy a house right now, find a used house salesman that has experienced at least one housing bust. Most agents out there right now have never seen a down market. At least the exprience guy will give you a balance viewpoint, and not keep repeating what the list price was two years ago, and how it is a screaming deal right now! The experience guy or gal will also be able to catch a sales trick before you even have to waste your time going to see the house. My brother, who is in LA, can give you the full run down on a property within minutes of telling him the address, thru the internet and he’s RE contacts, but he has been doing real estate for 18 years.
Get yourself an home bust experienced person if you have to buy a home right now. -
March 14, 2008 at 11:50 AM #169968Participant
If you absolutely have to buy a house right now, find a used house salesman that has experienced at least one housing bust. Most agents out there right now have never seen a down market. At least the exprience guy will give you a balance viewpoint, and not keep repeating what the list price was two years ago, and how it is a screaming deal right now! The experience guy or gal will also be able to catch a sales trick before you even have to waste your time going to see the house. My brother, who is in LA, can give you the full run down on a property within minutes of telling him the address, thru the internet and he’s RE contacts, but he has been doing real estate for 18 years.
Get yourself an home bust experienced person if you have to buy a home right now.
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March 14, 2008 at 11:38 AM #169854Participant
HelloKitty, you need to follow temeculaguy’s comments. He knows that area very well and you would benefit from his expertize.
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March 14, 2008 at 11:38 AM #169858Participant
HelloKitty, you need to follow temeculaguy’s comments. He knows that area very well and you would benefit from his expertize.
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March 14, 2008 at 11:38 AM #169880Participant
HelloKitty, you need to follow temeculaguy’s comments. He knows that area very well and you would benefit from his expertize.
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March 14, 2008 at 11:38 AM #169958Participant
HelloKitty, you need to follow temeculaguy’s comments. He knows that area very well and you would benefit from his expertize.
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March 14, 2008 at 12:09 PM #169546
snail
ParticipantOffer 250K just for the hell of it…
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March 14, 2008 at 12:12 PM #169553
Aecetia
ParticipantHK
You might want to wait and see what some of the real estate experts think about your agent’s service and what your options are there. From what you have said, she is not doing what you pay her for and there are plenty of hungry realtors out there. Based on my understanding of this market, if you cannot steal it, wait for a better one. You will not have that long to wait.
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March 14, 2008 at 12:12 PM #169884Participant
HK
You might want to wait and see what some of the real estate experts think about your agent’s service and what your options are there. From what you have said, she is not doing what you pay her for and there are plenty of hungry realtors out there. Based on my understanding of this market, if you cannot steal it, wait for a better one. You will not have that long to wait.
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March 14, 2008 at 12:12 PM #169888Participant
HK
You might want to wait and see what some of the real estate experts think about your agent’s service and what your options are there. From what you have said, she is not doing what you pay her for and there are plenty of hungry realtors out there. Based on my understanding of this market, if you cannot steal it, wait for a better one. You will not have that long to wait.
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March 14, 2008 at 12:12 PM #169910Participant
HK
You might want to wait and see what some of the real estate experts think about your agent’s service and what your options are there. From what you have said, she is not doing what you pay her for and there are plenty of hungry realtors out there. Based on my understanding of this market, if you cannot steal it, wait for a better one. You will not have that long to wait.
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March 14, 2008 at 12:12 PM #169987Participant
HK
You might want to wait and see what some of the real estate experts think about your agent’s service and what your options are there. From what you have said, she is not doing what you pay her for and there are plenty of hungry realtors out there. Based on my understanding of this market, if you cannot steal it, wait for a better one. You will not have that long to wait.
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March 14, 2008 at 12:09 PM #169879Participant
Offer 250K just for the hell of it…
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March 14, 2008 at 12:09 PM #169883Participant
Offer 250K just for the hell of it…
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March 14, 2008 at 12:09 PM #169905Participant
Offer 250K just for the hell of it…
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March 14, 2008 at 12:09 PM #169982Participant
Offer 250K just for the hell of it…
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March 14, 2008 at 2:23 PM #169666
temeculaguy
ParticipantKitty,
1st off, get a new realtor, you don’t have faith in them and can do their job for them so switch to a foreclosure/short expert as others have mentioned. 2nd, it’s not the fault of the listing realtor that they guessed at the price, that is how it is done. The listing agent ultimately has to prve to the bank that the price they decided on is what the market value is, taking into account the previous price with no offers, comps, etc. The bank doesn’t issue a “short price” it has to be developed through trial and error and the bank has to agree. After one offer rejection, the realtor can guage what the bank will take but until offers come in, there is no telling if the bank will accept it. The bank will only give feedback after a valid offer comes in, not just hypotheticals by a realtor. If the bank balks at 280, then they raise to 290, and so on. Buying shorts can be frustrating but can pay off.
lastly, the bank will certainly take 290 from you on a 425 debt, they have to weigh their options of losing 30-40k in lost interest and legal fees to get it back and then the market to sell it in six months will be worse than today, they are trying to decide if losing 40k over the next year only to get a 250k sale down the road vs, taking 290 today. 135k loss is actually fantastic on the part of the bank, most repos are losing well over 200k.
The real question is, should you save them now, or make them sell it to you for 200k next year? It’s hard to ignore nice houses for less than 300k, especially if you can afford it. If you make 100k a year, have no debt, a down payment and want to buy a house you can stay in that costs less than 300k, it actually makes sense and I won’t try to talk you out of it. I am waiting at least another 6 months but I’m a greedy bastard.
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March 14, 2008 at 2:27 PM #169671
jpinpb
Participanttemeculaguy – You vulture!! 😉
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March 14, 2008 at 2:55 PM #169691
donaldduckmoore
ParticipantHello Kitty, first off, I am not encouraging people to buy or not to buy, but if you need to buy a house now and you can afford it, buy it. I do not fully agree with some other posts that one has to wait for the bottom to come. You cannot know when the bottom is. Once you realize the housing market is in the bottom, it is in fact moving upward and you will find yourself competing with other buyers.
If you don’t feel like you trust your agent, just use another one. Use your gut feeling sometimes.
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March 14, 2008 at 2:55 PM #170022Participant
Hello Kitty, first off, I am not encouraging people to buy or not to buy, but if you need to buy a house now and you can afford it, buy it. I do not fully agree with some other posts that one has to wait for the bottom to come. You cannot know when the bottom is. Once you realize the housing market is in the bottom, it is in fact moving upward and you will find yourself competing with other buyers.
If you don’t feel like you trust your agent, just use another one. Use your gut feeling sometimes.
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March 14, 2008 at 2:55 PM #170028Participant
Hello Kitty, first off, I am not encouraging people to buy or not to buy, but if you need to buy a house now and you can afford it, buy it. I do not fully agree with some other posts that one has to wait for the bottom to come. You cannot know when the bottom is. Once you realize the housing market is in the bottom, it is in fact moving upward and you will find yourself competing with other buyers.
If you don’t feel like you trust your agent, just use another one. Use your gut feeling sometimes.
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March 14, 2008 at 2:55 PM #170050Participant
Hello Kitty, first off, I am not encouraging people to buy or not to buy, but if you need to buy a house now and you can afford it, buy it. I do not fully agree with some other posts that one has to wait for the bottom to come. You cannot know when the bottom is. Once you realize the housing market is in the bottom, it is in fact moving upward and you will find yourself competing with other buyers.
If you don’t feel like you trust your agent, just use another one. Use your gut feeling sometimes.
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March 14, 2008 at 2:55 PM #170128Participant
Hello Kitty, first off, I am not encouraging people to buy or not to buy, but if you need to buy a house now and you can afford it, buy it. I do not fully agree with some other posts that one has to wait for the bottom to come. You cannot know when the bottom is. Once you realize the housing market is in the bottom, it is in fact moving upward and you will find yourself competing with other buyers.
If you don’t feel like you trust your agent, just use another one. Use your gut feeling sometimes.
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March 14, 2008 at 3:31 PM #169711
raptorduck
ParticipantI will provide some balance, since I am a buyer in the market and may buy very soon. This market is not for the feint of heart.
I figure any agent with less than 10 yrs experience has not experienced a real buyer’s market. Consequently, they are not very experienced with short sales or foreclosures unless they specialize in the latter. They are also not used to agressive offers and creative buyer favorable terms. My own agent can not understand half the offers I have written, because of all the non financial terms I put in there and because of how I structure the financial terms.
Many times she just says she does not want to submit them because they will upset the seller or confuse the heck out of them. We submit them anyway, thanks, in part, to advice from SD Realtor and Rustico. Eventually, somebody will bite. As buyers get more skittish and become fewer in number, sellers get more desperate, at least the ones without their heads in the sand who are emotionally attached to their asking price. Heck, I am about to become a desperate seller myself. 😉
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March 14, 2008 at 3:57 PM #169727Participant
M2C. If you find a house you like and you can afford and plan on being there 10-15+ years, then just buy it. It sounds like your mind is almost made up. You want to be in that area. You found some homes that have reduced significantly.
My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?
I know most people are against buying right now and that is my sentiment for the most part. I get tempted when I see some deals, but there’s always something that keeps me from buying, reasons/excuses, not nice enough, big enough, no garage, not in the area I really want to be, etc.
I will tell you this. If I found a house I could afford that I reallly liked in the area I want to be in, I would buy it, regardless if the price continued to decline. I don’t plan to flip. I’m not buying it for investment purposes or even tax write-off. I want to buy a place and do what I want w/it, as you say, the freedom to put a pole, or paint it zebra stripes, whatever.
Not an issue for me really because my area is still a little high. I could afford it, but then I’d be a mortgage slave and like you, I want extra $$$ for fun or whatever, in your case, kids.
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March 15, 2008 at 10:26 AM #170085
HelloKitty
Participant"My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?"
Submitted by jpinpb on March 14, 2008 – 3:57pm.
JPINPB,
No, it certainly wouldn’t ruin us. This house is just a starting point for us.
As our family grows, we will buy another house down the line and use this one as a rental property or a second home.
Right now, my goal is to just buy a starter home as soon as possible for a price as cheap as possible, one that I can pay off in 10-15 years and own it outright, free and clear.
Dare I say, I don’t ever plan on selling this house? I know there might be some unforeseen things that may happen – but, for the most part I am buying this house with the intentions of a long, long, long term investment.
This is not a house that I’m planning to make money off of. It’s not a house I plan to flip. This is not a house I plan on putting a lot of money into for renovations, it doesn’t need it.
I am looking at this house with the intentions of still owning it when I retire and passing it down to our kids.
I’m not banking my future on the the value of this house doubling nor will I really lose any sleep over the house being upside down either.
What I do lose sleep over is the 55 year old nymphomaniac neighbor next door and all the tax breaks I’m giving up for the luxury of getting to share a wall with her!
JANE
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March 15, 2008 at 10:28 AM #170090
VoZangre
Participanthmmm…
tee to the arrr to the oh double el.
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March 15, 2008 at 11:56 AM #170132
Anonymous
GuestI wasn’t going to comment, but yes, jane is a troll. I hope he/she stays away so I don’t have to read these filthy, obscene porn comments.
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March 15, 2008 at 12:15 PM #170147Participant
I was thinking eye-pod might be right. marion – I have some suspicion as well.
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March 15, 2008 at 12:15 PM #170477Participant
I was thinking eye-pod might be right. marion – I have some suspicion as well.
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March 15, 2008 at 12:15 PM #170483Participant
I was thinking eye-pod might be right. marion – I have some suspicion as well.
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March 15, 2008 at 12:15 PM #170505Participant
I was thinking eye-pod might be right. marion – I have some suspicion as well.
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March 15, 2008 at 12:15 PM #170582Participant
I was thinking eye-pod might be right. marion – I have some suspicion as well.
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March 15, 2008 at 11:56 AM #170461Guest
I wasn’t going to comment, but yes, jane is a troll. I hope he/she stays away so I don’t have to read these filthy, obscene porn comments.
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March 15, 2008 at 11:56 AM #170468Guest
I wasn’t going to comment, but yes, jane is a troll. I hope he/she stays away so I don’t have to read these filthy, obscene porn comments.
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March 15, 2008 at 11:56 AM #170492Guest
I wasn’t going to comment, but yes, jane is a troll. I hope he/she stays away so I don’t have to read these filthy, obscene porn comments.
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March 15, 2008 at 11:56 AM #170567Guest
I wasn’t going to comment, but yes, jane is a troll. I hope he/she stays away so I don’t have to read these filthy, obscene porn comments.
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March 15, 2008 at 10:28 AM #170422Participant
hmmm…
tee to the arrr to the oh double el.
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March 15, 2008 at 10:28 AM #170428Participant
hmmm…
tee to the arrr to the oh double el.
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March 15, 2008 at 10:28 AM #170452Participant
hmmm…
tee to the arrr to the oh double el.
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March 15, 2008 at 10:28 AM #170528Participant
hmmm…
tee to the arrr to the oh double el.
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March 15, 2008 at 10:26 AM #170417Participant
"My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?"
Submitted by jpinpb on March 14, 2008 – 3:57pm.
JPINPB,
No, it certainly wouldn’t ruin us. This house is just a starting point for us.
As our family grows, we will buy another house down the line and use this one as a rental property or a second home.
Right now, my goal is to just buy a starter home as soon as possible for a price as cheap as possible, one that I can pay off in 10-15 years and own it outright, free and clear.
Dare I say, I don’t ever plan on selling this house? I know there might be some unforeseen things that may happen – but, for the most part I am buying this house with the intentions of a long, long, long term investment.
This is not a house that I’m planning to make money off of. It’s not a house I plan to flip. This is not a house I plan on putting a lot of money into for renovations, it doesn’t need it.
I am looking at this house with the intentions of still owning it when I retire and passing it down to our kids.
I’m not banking my future on the the value of this house doubling nor will I really lose any sleep over the house being upside down either.
What I do lose sleep over is the 55 year old nymphomaniac neighbor next door and all the tax breaks I’m giving up for the luxury of getting to share a wall with her!
JANE
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March 15, 2008 at 10:26 AM #170423Participant
"My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?"
Submitted by jpinpb on March 14, 2008 – 3:57pm.
JPINPB,
No, it certainly wouldn’t ruin us. This house is just a starting point for us.
As our family grows, we will buy another house down the line and use this one as a rental property or a second home.
Right now, my goal is to just buy a starter home as soon as possible for a price as cheap as possible, one that I can pay off in 10-15 years and own it outright, free and clear.
Dare I say, I don’t ever plan on selling this house? I know there might be some unforeseen things that may happen – but, for the most part I am buying this house with the intentions of a long, long, long term investment.
This is not a house that I’m planning to make money off of. It’s not a house I plan to flip. This is not a house I plan on putting a lot of money into for renovations, it doesn’t need it.
I am looking at this house with the intentions of still owning it when I retire and passing it down to our kids.
I’m not banking my future on the the value of this house doubling nor will I really lose any sleep over the house being upside down either.
What I do lose sleep over is the 55 year old nymphomaniac neighbor next door and all the tax breaks I’m giving up for the luxury of getting to share a wall with her!
JANE
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March 15, 2008 at 10:26 AM #170447Participant
"My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?"
Submitted by jpinpb on March 14, 2008 – 3:57pm.
JPINPB,
No, it certainly wouldn’t ruin us. This house is just a starting point for us.
As our family grows, we will buy another house down the line and use this one as a rental property or a second home.
Right now, my goal is to just buy a starter home as soon as possible for a price as cheap as possible, one that I can pay off in 10-15 years and own it outright, free and clear.
Dare I say, I don’t ever plan on selling this house? I know there might be some unforeseen things that may happen – but, for the most part I am buying this house with the intentions of a long, long, long term investment.
This is not a house that I’m planning to make money off of. It’s not a house I plan to flip. This is not a house I plan on putting a lot of money into for renovations, it doesn’t need it.
I am looking at this house with the intentions of still owning it when I retire and passing it down to our kids.
I’m not banking my future on the the value of this house doubling nor will I really lose any sleep over the house being upside down either.
What I do lose sleep over is the 55 year old nymphomaniac neighbor next door and all the tax breaks I’m giving up for the luxury of getting to share a wall with her!
JANE
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March 15, 2008 at 10:26 AM #170524Participant
"My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?"
Submitted by jpinpb on March 14, 2008 – 3:57pm.
JPINPB,
No, it certainly wouldn’t ruin us. This house is just a starting point for us.
As our family grows, we will buy another house down the line and use this one as a rental property or a second home.
Right now, my goal is to just buy a starter home as soon as possible for a price as cheap as possible, one that I can pay off in 10-15 years and own it outright, free and clear.
Dare I say, I don’t ever plan on selling this house? I know there might be some unforeseen things that may happen – but, for the most part I am buying this house with the intentions of a long, long, long term investment.
This is not a house that I’m planning to make money off of. It’s not a house I plan to flip. This is not a house I plan on putting a lot of money into for renovations, it doesn’t need it.
I am looking at this house with the intentions of still owning it when I retire and passing it down to our kids.
I’m not banking my future on the the value of this house doubling nor will I really lose any sleep over the house being upside down either.
What I do lose sleep over is the 55 year old nymphomaniac neighbor next door and all the tax breaks I’m giving up for the luxury of getting to share a wall with her!
JANE
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March 14, 2008 at 3:57 PM #170056Participant
M2C. If you find a house you like and you can afford and plan on being there 10-15+ years, then just buy it. It sounds like your mind is almost made up. You want to be in that area. You found some homes that have reduced significantly.
My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?
I know most people are against buying right now and that is my sentiment for the most part. I get tempted when I see some deals, but there’s always something that keeps me from buying, reasons/excuses, not nice enough, big enough, no garage, not in the area I really want to be, etc.
I will tell you this. If I found a house I could afford that I reallly liked in the area I want to be in, I would buy it, regardless if the price continued to decline. I don’t plan to flip. I’m not buying it for investment purposes or even tax write-off. I want to buy a place and do what I want w/it, as you say, the freedom to put a pole, or paint it zebra stripes, whatever.
Not an issue for me really because my area is still a little high. I could afford it, but then I’d be a mortgage slave and like you, I want extra $$$ for fun or whatever, in your case, kids.
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March 14, 2008 at 3:57 PM #170061Participant
M2C. If you find a house you like and you can afford and plan on being there 10-15+ years, then just buy it. It sounds like your mind is almost made up. You want to be in that area. You found some homes that have reduced significantly.
My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?
I know most people are against buying right now and that is my sentiment for the most part. I get tempted when I see some deals, but there’s always something that keeps me from buying, reasons/excuses, not nice enough, big enough, no garage, not in the area I really want to be, etc.
I will tell you this. If I found a house I could afford that I reallly liked in the area I want to be in, I would buy it, regardless if the price continued to decline. I don’t plan to flip. I’m not buying it for investment purposes or even tax write-off. I want to buy a place and do what I want w/it, as you say, the freedom to put a pole, or paint it zebra stripes, whatever.
Not an issue for me really because my area is still a little high. I could afford it, but then I’d be a mortgage slave and like you, I want extra $$$ for fun or whatever, in your case, kids.
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March 14, 2008 at 3:57 PM #170087Participant
M2C. If you find a house you like and you can afford and plan on being there 10-15+ years, then just buy it. It sounds like your mind is almost made up. You want to be in that area. You found some homes that have reduced significantly.
My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?
I know most people are against buying right now and that is my sentiment for the most part. I get tempted when I see some deals, but there’s always something that keeps me from buying, reasons/excuses, not nice enough, big enough, no garage, not in the area I really want to be, etc.
I will tell you this. If I found a house I could afford that I reallly liked in the area I want to be in, I would buy it, regardless if the price continued to decline. I don’t plan to flip. I’m not buying it for investment purposes or even tax write-off. I want to buy a place and do what I want w/it, as you say, the freedom to put a pole, or paint it zebra stripes, whatever.
Not an issue for me really because my area is still a little high. I could afford it, but then I’d be a mortgage slave and like you, I want extra $$$ for fun or whatever, in your case, kids.
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March 14, 2008 at 3:57 PM #170164Participant
M2C. If you find a house you like and you can afford and plan on being there 10-15+ years, then just buy it. It sounds like your mind is almost made up. You want to be in that area. You found some homes that have reduced significantly.
My question to you: If you bought a house for 280/290k and end-of-year or next year it fell to 200k, would that ruin you? What if in 20 years it went back up to 250k?
Next question: You buy for 280k. But end of year your dream house that was 400k fell to 280k. Are you going to be okay w/the place you bought?
I know most people are against buying right now and that is my sentiment for the most part. I get tempted when I see some deals, but there’s always something that keeps me from buying, reasons/excuses, not nice enough, big enough, no garage, not in the area I really want to be, etc.
I will tell you this. If I found a house I could afford that I reallly liked in the area I want to be in, I would buy it, regardless if the price continued to decline. I don’t plan to flip. I’m not buying it for investment purposes or even tax write-off. I want to buy a place and do what I want w/it, as you say, the freedom to put a pole, or paint it zebra stripes, whatever.
Not an issue for me really because my area is still a little high. I could afford it, but then I’d be a mortgage slave and like you, I want extra $$$ for fun or whatever, in your case, kids.
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March 14, 2008 at 3:31 PM #170042Participant
I will provide some balance, since I am a buyer in the market and may buy very soon. This market is not for the feint of heart.
I figure any agent with less than 10 yrs experience has not experienced a real buyer’s market. Consequently, they are not very experienced with short sales or foreclosures unless they specialize in the latter. They are also not used to agressive offers and creative buyer favorable terms. My own agent can not understand half the offers I have written, because of all the non financial terms I put in there and because of how I structure the financial terms.
Many times she just says she does not want to submit them because they will upset the seller or confuse the heck out of them. We submit them anyway, thanks, in part, to advice from SD Realtor and Rustico. Eventually, somebody will bite. As buyers get more skittish and become fewer in number, sellers get more desperate, at least the ones without their heads in the sand who are emotionally attached to their asking price. Heck, I am about to become a desperate seller myself. 😉
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March 14, 2008 at 3:31 PM #170047Participant
I will provide some balance, since I am a buyer in the market and may buy very soon. This market is not for the feint of heart.
I figure any agent with less than 10 yrs experience has not experienced a real buyer’s market. Consequently, they are not very experienced with short sales or foreclosures unless they specialize in the latter. They are also not used to agressive offers and creative buyer favorable terms. My own agent can not understand half the offers I have written, because of all the non financial terms I put in there and because of how I structure the financial terms.
Many times she just says she does not want to submit them because they will upset the seller or confuse the heck out of them. We submit them anyway, thanks, in part, to advice from SD Realtor and Rustico. Eventually, somebody will bite. As buyers get more skittish and become fewer in number, sellers get more desperate, at least the ones without their heads in the sand who are emotionally attached to their asking price. Heck, I am about to become a desperate seller myself. 😉
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March 14, 2008 at 3:31 PM #170072Participant
I will provide some balance, since I am a buyer in the market and may buy very soon. This market is not for the feint of heart.
I figure any agent with less than 10 yrs experience has not experienced a real buyer’s market. Consequently, they are not very experienced with short sales or foreclosures unless they specialize in the latter. They are also not used to agressive offers and creative buyer favorable terms. My own agent can not understand half the offers I have written, because of all the non financial terms I put in there and because of how I structure the financial terms.
Many times she just says she does not want to submit them because they will upset the seller or confuse the heck out of them. We submit them anyway, thanks, in part, to advice from SD Realtor and Rustico. Eventually, somebody will bite. As buyers get more skittish and become fewer in number, sellers get more desperate, at least the ones without their heads in the sand who are emotionally attached to their asking price. Heck, I am about to become a desperate seller myself. 😉
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March 14, 2008 at 3:31 PM #170148Participant
I will provide some balance, since I am a buyer in the market and may buy very soon. This market is not for the feint of heart.
I figure any agent with less than 10 yrs experience has not experienced a real buyer’s market. Consequently, they are not very experienced with short sales or foreclosures unless they specialize in the latter. They are also not used to agressive offers and creative buyer favorable terms. My own agent can not understand half the offers I have written, because of all the non financial terms I put in there and because of how I structure the financial terms.
Many times she just says she does not want to submit them because they will upset the seller or confuse the heck out of them. We submit them anyway, thanks, in part, to advice from SD Realtor and Rustico. Eventually, somebody will bite. As buyers get more skittish and become fewer in number, sellers get more desperate, at least the ones without their heads in the sand who are emotionally attached to their asking price. Heck, I am about to become a desperate seller myself. 😉
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March 14, 2008 at 2:27 PM #170004Participant
temeculaguy – You vulture!! 😉
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March 14, 2008 at 2:27 PM #170008Participant
temeculaguy – You vulture!! 😉
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March 14, 2008 at 2:27 PM #170031Participant
temeculaguy – You vulture!! 😉
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March 14, 2008 at 2:27 PM #170107Participant
temeculaguy – You vulture!! 😉
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March 14, 2008 at 2:23 PM #169999Participant
Kitty,
1st off, get a new realtor, you don’t have faith in them and can do their job for them so switch to a foreclosure/short expert as others have mentioned. 2nd, it’s not the fault of the listing realtor that they guessed at the price, that is how it is done. The listing agent ultimately has to prve to the bank that the price they decided on is what the market value is, taking into account the previous price with no offers, comps, etc. The bank doesn’t issue a “short price” it has to be developed through trial and error and the bank has to agree. After one offer rejection, the realtor can guage what the bank will take but until offers come in, there is no telling if the bank will accept it. The bank will only give feedback after a valid offer comes in, not just hypotheticals by a realtor. If the bank balks at 280, then they raise to 290, and so on. Buying shorts can be frustrating but can pay off.
lastly, the bank will certainly take 290 from you on a 425 debt, they have to weigh their options of losing 30-40k in lost interest and legal fees to get it back and then the market to sell it in six months will be worse than today, they are trying to decide if losing 40k over the next year only to get a 250k sale down the road vs, taking 290 today. 135k loss is actually fantastic on the part of the bank, most repos are losing well over 200k.
The real question is, should you save them now, or make them sell it to you for 200k next year? It’s hard to ignore nice houses for less than 300k, especially if you can afford it. If you make 100k a year, have no debt, a down payment and want to buy a house you can stay in that costs less than 300k, it actually makes sense and I won’t try to talk you out of it. I am waiting at least another 6 months but I’m a greedy bastard.
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March 14, 2008 at 2:23 PM #170003Participant
Kitty,
1st off, get a new realtor, you don’t have faith in them and can do their job for them so switch to a foreclosure/short expert as others have mentioned. 2nd, it’s not the fault of the listing realtor that they guessed at the price, that is how it is done. The listing agent ultimately has to prve to the bank that the price they decided on is what the market value is, taking into account the previous price with no offers, comps, etc. The bank doesn’t issue a “short price” it has to be developed through trial and error and the bank has to agree. After one offer rejection, the realtor can guage what the bank will take but until offers come in, there is no telling if the bank will accept it. The bank will only give feedback after a valid offer comes in, not just hypotheticals by a realtor. If the bank balks at 280, then they raise to 290, and so on. Buying shorts can be frustrating but can pay off.
lastly, the bank will certainly take 290 from you on a 425 debt, they have to weigh their options of losing 30-40k in lost interest and legal fees to get it back and then the market to sell it in six months will be worse than today, they are trying to decide if losing 40k over the next year only to get a 250k sale down the road vs, taking 290 today. 135k loss is actually fantastic on the part of the bank, most repos are losing well over 200k.
The real question is, should you save them now, or make them sell it to you for 200k next year? It’s hard to ignore nice houses for less than 300k, especially if you can afford it. If you make 100k a year, have no debt, a down payment and want to buy a house you can stay in that costs less than 300k, it actually makes sense and I won’t try to talk you out of it. I am waiting at least another 6 months but I’m a greedy bastard.
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March 14, 2008 at 2:23 PM #170025Participant
Kitty,
1st off, get a new realtor, you don’t have faith in them and can do their job for them so switch to a foreclosure/short expert as others have mentioned. 2nd, it’s not the fault of the listing realtor that they guessed at the price, that is how it is done. The listing agent ultimately has to prve to the bank that the price they decided on is what the market value is, taking into account the previous price with no offers, comps, etc. The bank doesn’t issue a “short price” it has to be developed through trial and error and the bank has to agree. After one offer rejection, the realtor can guage what the bank will take but until offers come in, there is no telling if the bank will accept it. The bank will only give feedback after a valid offer comes in, not just hypotheticals by a realtor. If the bank balks at 280, then they raise to 290, and so on. Buying shorts can be frustrating but can pay off.
lastly, the bank will certainly take 290 from you on a 425 debt, they have to weigh their options of losing 30-40k in lost interest and legal fees to get it back and then the market to sell it in six months will be worse than today, they are trying to decide if losing 40k over the next year only to get a 250k sale down the road vs, taking 290 today. 135k loss is actually fantastic on the part of the bank, most repos are losing well over 200k.
The real question is, should you save them now, or make them sell it to you for 200k next year? It’s hard to ignore nice houses for less than 300k, especially if you can afford it. If you make 100k a year, have no debt, a down payment and want to buy a house you can stay in that costs less than 300k, it actually makes sense and I won’t try to talk you out of it. I am waiting at least another 6 months but I’m a greedy bastard.
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March 14, 2008 at 2:23 PM #170102Participant
Kitty,
1st off, get a new realtor, you don’t have faith in them and can do their job for them so switch to a foreclosure/short expert as others have mentioned. 2nd, it’s not the fault of the listing realtor that they guessed at the price, that is how it is done. The listing agent ultimately has to prve to the bank that the price they decided on is what the market value is, taking into account the previous price with no offers, comps, etc. The bank doesn’t issue a “short price” it has to be developed through trial and error and the bank has to agree. After one offer rejection, the realtor can guage what the bank will take but until offers come in, there is no telling if the bank will accept it. The bank will only give feedback after a valid offer comes in, not just hypotheticals by a realtor. If the bank balks at 280, then they raise to 290, and so on. Buying shorts can be frustrating but can pay off.
lastly, the bank will certainly take 290 from you on a 425 debt, they have to weigh their options of losing 30-40k in lost interest and legal fees to get it back and then the market to sell it in six months will be worse than today, they are trying to decide if losing 40k over the next year only to get a 250k sale down the road vs, taking 290 today. 135k loss is actually fantastic on the part of the bank, most repos are losing well over 200k.
The real question is, should you save them now, or make them sell it to you for 200k next year? It’s hard to ignore nice houses for less than 300k, especially if you can afford it. If you make 100k a year, have no debt, a down payment and want to buy a house you can stay in that costs less than 300k, it actually makes sense and I won’t try to talk you out of it. I am waiting at least another 6 months but I’m a greedy bastard.
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March 14, 2008 at 3:12 PM #169701Participant
I love that you guys are all looking out for me and telling me not to buy right now.
But – and okay this is a big BUT, as in if this BUT had a name it would be JLO… BUT I really think that this is the house for me.
My husband’s annual salary is $250k a year so I don’t think buying a $290k house is a terrible decision.
We’re both under 30 and we have no kids or own a home so after taxes we probably see about $12.00 of it.
I’m exaggerating, but honestly Uncle Sam takes a huge chomp out of our asses come tax time.
Boo hoo right? Poor me!
I’m sure I’ll be beating off your sympathy with a stick.
When I met him, I made more money than him and I never imagined that a guy doing tech support would end up making six figures by the time he was 25.
I’m not foolish though. Just as easily as that money came, it could just as easily disappear. I soooo get that.
This is why I’m not trying to justify the purchase of an Egg McMansion with cheese.
Because I don’t need a million dollar house or a half million dollar house.
I just want a house we know we can AFFORD (big ass EMPHASIS on afford) and pay off in 15 years and still have money for reserves and savings and money to buy another home later down the road when the piggington approved bottom hits.
Right now, we are currently renting a 2 bedroom condo in Los Angeles and when I do the math, if we were to purchase the home in Murrieta at 290k our mortgage will be cheaper than our rent in Los Angeles. We could just as easily move to Murrieta and rent a house, but then we couldn’t have a stripper pole in the bedroom or the tax write off, now could we? Tax write off + stripper pole = win/win situation!
And since I know you’re all waiting for it, here’s my estrogen induced reason for wanting to buy this house. It’s four doors down from my brother and his wife. They’re expecting a baby and I want to be there for that, not two hours away or paying someone else’s mortgage when we could easily be paying for our own!
I would love for us to live on the same block and raise our children together. That is my dream.
My other dream is to have condomless sex with my husband.
We can’t WAIT to hear the pitter patter of little tax deductions!
But having a baby isn’t an option for us right now because we wouldn’t have anywhere to put him/her.
Seriously, If I were our baby, I’d feel like my parents were assholes if my dad made 250k a year and in my infancy, my first few weeks of life were spent sleeping in a dresser drawer!
I don’t want my baby to think I’m an asshole because his cousin’s first bed was a crib in a house in Murrieta and his crib was a laundry basket in a condo in Los Angeles.
I already know that my biggest regret in life won’t be buying a house I know will depreciate.
My biggest regret will be missing out on the birth of my future nephew because I was stuck in traffic two hours away.
My biggest regret is that despite being married for 9384394 years, I gotta have PROTECTED sex with my husband because GOD FORBID the condom busts before the housing bubble does!
That’s me pleading my case to you.
I hear you, I respect you, I trust you guys.
But that house is gonna be mine, make no mistake about it.
The question is just a matter of when.
And I say that fully informed, fully prepared and well aware of the fact that housing prices WILL go down again.
And at the end of the day, when my house is upside down but PAID for, and I’m working off my post pregnancy weight doing stripperobics via the stripper pole attached to the house I own, four houses down the from my brother and his family, not only will I find a way to get over it, I’ll do it with a smile on my face.
So now that you know my whole life story, I’d love your blessing in buying this house almost as much as I would any additional advice you could give me about short sales and my sucky realtor.
Thanks guys, you fucking rock!
Jane
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March 14, 2008 at 3:50 PM #169716
gn
ParticipantHelloKitty,
It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k.
After all, it’s only money, right ? 🙂
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March 15, 2008 at 9:53 AM #170084Participant
"It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k. After all, it’s only money, right ? :-)"
Submitted by gn on March 14, 2008 – 3:50pm.
GN,
Why stop at 350k? Why don’t I just offer the bank a million bucks, a hand job and my first born child!Oh, I know why! Because the bank would have the house appraised and even if I threw in the handjob and the baby I’m pretty sure they wouldn’t consider the value worth 350k let alone a million!
(The hand job, maybe, but certainly not the house. LOL.)
Since I’m sooo interested in making it easy on everyone, I’ll go ahead and offer 350k for a 290k house!
Then when they come back with a no, I’ll shower them with the same words of wisdom you graced me with and reply to them, “After all, it’s only money right?”
P.S.
I was kidding about the handjob! The only guy I’m jacking off for a house is the one who put the ring on my finger! LOL!
JANE
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March 15, 2008 at 9:53 AM #170412Participant
"It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k. After all, it’s only money, right ? :-)"
Submitted by gn on March 14, 2008 – 3:50pm.
GN,
Why stop at 350k? Why don’t I just offer the bank a million bucks, a hand job and my first born child!Oh, I know why! Because the bank would have the house appraised and even if I threw in the handjob and the baby I’m pretty sure they wouldn’t consider the value worth 350k let alone a million!
(The hand job, maybe, but certainly not the house. LOL.)
Since I’m sooo interested in making it easy on everyone, I’ll go ahead and offer 350k for a 290k house!
Then when they come back with a no, I’ll shower them with the same words of wisdom you graced me with and reply to them, “After all, it’s only money right?”
P.S.
I was kidding about the handjob! The only guy I’m jacking off for a house is the one who put the ring on my finger! LOL!
JANE
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March 15, 2008 at 9:53 AM #170418Participant
"It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k. After all, it’s only money, right ? :-)"
Submitted by gn on March 14, 2008 – 3:50pm.
GN,
Why stop at 350k? Why don’t I just offer the bank a million bucks, a hand job and my first born child!Oh, I know why! Because the bank would have the house appraised and even if I threw in the handjob and the baby I’m pretty sure they wouldn’t consider the value worth 350k let alone a million!
(The hand job, maybe, but certainly not the house. LOL.)
Since I’m sooo interested in making it easy on everyone, I’ll go ahead and offer 350k for a 290k house!
Then when they come back with a no, I’ll shower them with the same words of wisdom you graced me with and reply to them, “After all, it’s only money right?”
P.S.
I was kidding about the handjob! The only guy I’m jacking off for a house is the one who put the ring on my finger! LOL!
JANE
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March 15, 2008 at 9:53 AM #170442Participant
"It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k. After all, it’s only money, right ? :-)"
Submitted by gn on March 14, 2008 – 3:50pm.
GN,
Why stop at 350k? Why don’t I just offer the bank a million bucks, a hand job and my first born child!Oh, I know why! Because the bank would have the house appraised and even if I threw in the handjob and the baby I’m pretty sure they wouldn’t consider the value worth 350k let alone a million!
(The hand job, maybe, but certainly not the house. LOL.)
Since I’m sooo interested in making it easy on everyone, I’ll go ahead and offer 350k for a 290k house!
Then when they come back with a no, I’ll shower them with the same words of wisdom you graced me with and reply to them, “After all, it’s only money right?”
P.S.
I was kidding about the handjob! The only guy I’m jacking off for a house is the one who put the ring on my finger! LOL!
JANE
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March 15, 2008 at 9:53 AM #170519Participant
"It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k. After all, it’s only money, right ? :-)"
Submitted by gn on March 14, 2008 – 3:50pm.
GN,
Why stop at 350k? Why don’t I just offer the bank a million bucks, a hand job and my first born child!Oh, I know why! Because the bank would have the house appraised and even if I threw in the handjob and the baby I’m pretty sure they wouldn’t consider the value worth 350k let alone a million!
(The hand job, maybe, but certainly not the house. LOL.)
Since I’m sooo interested in making it easy on everyone, I’ll go ahead and offer 350k for a 290k house!
Then when they come back with a no, I’ll shower them with the same words of wisdom you graced me with and reply to them, “After all, it’s only money right?”
P.S.
I was kidding about the handjob! The only guy I’m jacking off for a house is the one who put the ring on my finger! LOL!
JANE
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March 14, 2008 at 3:50 PM #170049Participant
HelloKitty,
It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k.
After all, it’s only money, right ? 🙂
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March 14, 2008 at 3:50 PM #170054Participant
HelloKitty,
It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k.
After all, it’s only money, right ? 🙂
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March 14, 2008 at 3:50 PM #170077Participant
HelloKitty,
It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k.
After all, it’s only money, right ? 🙂
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March 14, 2008 at 3:50 PM #170154Participant
HelloKitty,
It seems that you love the house so much & you don’t care about losing money as long as you get to live near your brother. In this case, you should make it easy on everyone (including the lender & yourself) by offering $350k.
After all, it’s only money, right ? 🙂
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March 14, 2008 at 4:00 PM #169731
CogSciGuy
ParticipantThat was hugely entertaining to read, Jane. You have my blessing. Go ahead and buy!
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March 14, 2008 at 4:00 PM #170062Participant
That was hugely entertaining to read, Jane. You have my blessing. Go ahead and buy!
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March 14, 2008 at 4:00 PM #170066Participant
That was hugely entertaining to read, Jane. You have my blessing. Go ahead and buy!
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March 14, 2008 at 4:00 PM #170092Participant
That was hugely entertaining to read, Jane. You have my blessing. Go ahead and buy!
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March 14, 2008 at 4:00 PM #170169Participant
That was hugely entertaining to read, Jane. You have my blessing. Go ahead and buy!
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March 14, 2008 at 4:53 PM #169746Participant
We have our first winner, we all knew that each of us will find a different point to jump back in and Jane’s time is now, I fully endorse your decision to buy. From what you wrote you have all five elements of a purchace plan covered.
1. Taking out a mortgage equal to a year’s pay….check.
2. Buying near relatives where you already know about the neighborhood and will have childcare co-op…check.
3. Planning to pay off your house in 15 yrs or less….check
4. Stripper pole and stripaerobics…..check
5. Condomless sex…….checkI can make no cogent argument against it, get a better realtor and do let us know how it went.
BTW, Awesome post and welcome to the valley, you are our type of gal, see you at the wineries.
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March 14, 2008 at 4:53 PM #170075Participant
We have our first winner, we all knew that each of us will find a different point to jump back in and Jane’s time is now, I fully endorse your decision to buy. From what you wrote you have all five elements of a purchace plan covered.
1. Taking out a mortgage equal to a year’s pay….check.
2. Buying near relatives where you already know about the neighborhood and will have childcare co-op…check.
3. Planning to pay off your house in 15 yrs or less….check
4. Stripper pole and stripaerobics…..check
5. Condomless sex…….checkI can make no cogent argument against it, get a better realtor and do let us know how it went.
BTW, Awesome post and welcome to the valley, you are our type of gal, see you at the wineries.
-
March 14, 2008 at 4:53 PM #170080Participant
We have our first winner, we all knew that each of us will find a different point to jump back in and Jane’s time is now, I fully endorse your decision to buy. From what you wrote you have all five elements of a purchace plan covered.
1. Taking out a mortgage equal to a year’s pay….check.
2. Buying near relatives where you already know about the neighborhood and will have childcare co-op…check.
3. Planning to pay off your house in 15 yrs or less….check
4. Stripper pole and stripaerobics…..check
5. Condomless sex…….checkI can make no cogent argument against it, get a better realtor and do let us know how it went.
BTW, Awesome post and welcome to the valley, you are our type of gal, see you at the wineries.
-
March 14, 2008 at 4:53 PM #170105Participant
We have our first winner, we all knew that each of us will find a different point to jump back in and Jane’s time is now, I fully endorse your decision to buy. From what you wrote you have all five elements of a purchace plan covered.
1. Taking out a mortgage equal to a year’s pay….check.
2. Buying near relatives where you already know about the neighborhood and will have childcare co-op…check.
3. Planning to pay off your house in 15 yrs or less….check
4. Stripper pole and stripaerobics…..check
5. Condomless sex…….checkI can make no cogent argument against it, get a better realtor and do let us know how it went.
BTW, Awesome post and welcome to the valley, you are our type of gal, see you at the wineries.
-
March 14, 2008 at 4:53 PM #170180Participant
We have our first winner, we all knew that each of us will find a different point to jump back in and Jane’s time is now, I fully endorse your decision to buy. From what you wrote you have all five elements of a purchace plan covered.
1. Taking out a mortgage equal to a year’s pay….check.
2. Buying near relatives where you already know about the neighborhood and will have childcare co-op…check.
3. Planning to pay off your house in 15 yrs or less….check
4. Stripper pole and stripaerobics…..check
5. Condomless sex…….checkI can make no cogent argument against it, get a better realtor and do let us know how it went.
BTW, Awesome post and welcome to the valley, you are our type of gal, see you at the wineries.
-
March 14, 2008 at 5:26 PM #169751Participant
Jane. I just love that post. You have the kind of sarcastic bent my wife has.
As a fellow very near future buyer, you have my blessing. Once we both buy, we have to convince all our friends and whoever will listen that they should buy too, cuz we need the fall to stop at that point and I still have to sell my current house after all.
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March 14, 2008 at 5:26 PM #170081Participant
Jane. I just love that post. You have the kind of sarcastic bent my wife has.
As a fellow very near future buyer, you have my blessing. Once we both buy, we have to convince all our friends and whoever will listen that they should buy too, cuz we need the fall to stop at that point and I still have to sell my current house after all.
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March 14, 2008 at 5:26 PM #170086Participant
Jane. I just love that post. You have the kind of sarcastic bent my wife has.
As a fellow very near future buyer, you have my blessing. Once we both buy, we have to convince all our friends and whoever will listen that they should buy too, cuz we need the fall to stop at that point and I still have to sell my current house after all.
-
March 14, 2008 at 5:26 PM #170112Participant
Jane. I just love that post. You have the kind of sarcastic bent my wife has.
As a fellow very near future buyer, you have my blessing. Once we both buy, we have to convince all our friends and whoever will listen that they should buy too, cuz we need the fall to stop at that point and I still have to sell my current house after all.
-
March 14, 2008 at 5:26 PM #170186Participant
Jane. I just love that post. You have the kind of sarcastic bent my wife has.
As a fellow very near future buyer, you have my blessing. Once we both buy, we have to convince all our friends and whoever will listen that they should buy too, cuz we need the fall to stop at that point and I still have to sell my current house after all.
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March 14, 2008 at 5:27 PM #169756
sd2oc
ParticipantHelloKitty, your post put a smile on my face, because you sound like me, only smarter. =) my husband also makes a good living at a relatively young age, and we bought our first house two years ago for many of the same reasons: 1) we wanted the tax deduction, 2) we could easily afford it, and 3) we felt it was the perfect home and neighborhood (carmel valley) in which to start a family. UNLIKE you, we didn’t know about this forum or do much research.
anyway, just one caveat, based on my own experience–young people aren’t always in the job in which they’ll retire. just in case you end up having to relocate in the next couple of years, would you be alright if you couldn’t sell your house for what you paid for it? the answer is probably yes, since the house is so darn inexpensive to begin with, and if yes, then go for it!
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March 14, 2008 at 5:44 PM #169776
Deal Hunter
ParticipantIf you are really in love with the house, then stick to your price and have your realtors provide you with:
1) BPO
2) Net SheetThese 2 things will tell you if your offer is viable to the bank. Also, follow up on your realtor as well as the realtor listing the short sale. Short sales require ALOT of follow up with the banks to make sure they are not putting your file away. Call daily if you have to.
Don’t put all the blame on your realtor. Lenders are acting like idiots right now and should jump at any offer on a home in default. Why don’t you ask if either of the realtors have ever done a short sale. If not, you can find a short sale negotiator to handle all the communication with the banks. The negotiator is paid by the lender so the realtors don’t have to stress about losing their comission.
Good luck on your endeavor – but please let me part some advice before I go. NEVER NEVER NEVER fall in love with a house you are bidding on. Not in this market and not at these prices. Get over it and get over it FAST! Use your head or your heart will lead you to financial hardship.
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March 14, 2008 at 8:14 PM #169826
eyePod
ParticipantHellokitty is a troll. Maybe Alex_angel
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March 14, 2008 at 8:14 PM #170155Participant
Hellokitty is a troll. Maybe Alex_angel
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March 14, 2008 at 8:14 PM #170161Participant
Hellokitty is a troll. Maybe Alex_angel
-
March 14, 2008 at 8:14 PM #170185Participant
Hellokitty is a troll. Maybe Alex_angel
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March 14, 2008 at 8:14 PM #170261Participant
Hellokitty is a troll. Maybe Alex_angel
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March 14, 2008 at 8:19 PM #169831
Bugs
ParticipantLet me tell you a story. About a year ago we had a regular poster here who was thinking about buying in Temecula at ~$350k. We went through the entire routine, right down to telling him that he could easily lose his entire downpayment and find himself very upside down in the house. We told him not to buy the house unless he didn’t mind the idea of losing a lot of money.
But we also told him that everyone has to decide for themself, just like what we’re telling you right now.
He decided to pull the trigger and he bought the house. End of story, right? Not.
He came back here a few weeks ago and was lamenting how much more his neighborhood had dropped since he bought in, and come to find out the worst case scenarios we were painting for him now appears to be a certainty. So his question to us now was what we thought about the feasibility of him buying a second house at the much lower price and just walking away from the first house – because he just didn’t want to live with that mistake anymore.
You’ll do what you do. At this point it somewhat looks like you came here looking more for validation rather than input. Not that it’s a bad thing to seek validation but you should probably consider the merits of distinguishing between your emotional desires and having common sense. Sometimes they’re the same but often they aren’t. So long as you’re willing to be the adult and live with your decisions then its all good.
But make no mistake about it – buying right now will cost you money. We don’t recommend you spend any more of it than you’re prepared to lose.
And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
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March 14, 2008 at 8:56 PM #169845
equalizer
ParticipantBugs is right on point; kids just want, er need a happy family. Will the hubby have to commute? If there aren’t any rentals on the same block, then I’d say let let the champagne flow.
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March 14, 2008 at 8:56 PM #170179Participant
Bugs is right on point; kids just want, er need a happy family. Will the hubby have to commute? If there aren’t any rentals on the same block, then I’d say let let the champagne flow.
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March 14, 2008 at 8:56 PM #170184Participant
Bugs is right on point; kids just want, er need a happy family. Will the hubby have to commute? If there aren’t any rentals on the same block, then I’d say let let the champagne flow.
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March 14, 2008 at 8:56 PM #170205Participant
Bugs is right on point; kids just want, er need a happy family. Will the hubby have to commute? If there aren’t any rentals on the same block, then I’d say let let the champagne flow.
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March 14, 2008 at 8:56 PM #170284Participant
Bugs is right on point; kids just want, er need a happy family. Will the hubby have to commute? If there aren’t any rentals on the same block, then I’d say let let the champagne flow.
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March 14, 2008 at 10:03 PM #169891Guest
bugs: And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
Bugs, I agree with most of what you posted on this thread except for the above. You missed the mark on this one. Women, who were born to be nurturers and caregivers, tend to view the purchase of a house somewhat differently that that of a man. Most men look at it as a business transaction, at least in part, most women look at it as a place to live in and to raise a family.
Personally, buying a home so my kids can feel more secure is EXACTLY the reason I want to buy one. I don’t care about profits, all I care about is having a home where I can raise them in a stable environment. I don’t care what anyone says, in the vast majority of situations, renting is not a good situation to be in unless you know beyond a shadow of a doubt that you will not have to move unless you are ready. Owning a home of your own that you can afford, is by far a much more stable situation for a family to be in.
Also, when fundamentals are in order, renting is throwing your money out the window. It’s only suited for Gypsies, in my opinion. Renting sucks!!
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March 14, 2008 at 10:35 PM #169906
Multiplepropertyowner
ParticipantHellokitty,
I think you should buy now. The market has obviously bottomed out and you can expect to be banking hefty equity in no time. Plus, Murietta has great ocean breezes! -
March 14, 2008 at 10:35 PM #170239Participant
Hellokitty,
I think you should buy now. The market has obviously bottomed out and you can expect to be banking hefty equity in no time. Plus, Murietta has great ocean breezes! -
March 14, 2008 at 10:35 PM #170242Participant
Hellokitty,
I think you should buy now. The market has obviously bottomed out and you can expect to be banking hefty equity in no time. Plus, Murietta has great ocean breezes! -
March 14, 2008 at 10:35 PM #170265Participant
Hellokitty,
I think you should buy now. The market has obviously bottomed out and you can expect to be banking hefty equity in no time. Plus, Murietta has great ocean breezes! -
March 14, 2008 at 10:35 PM #170344Participant
Hellokitty,
I think you should buy now. The market has obviously bottomed out and you can expect to be banking hefty equity in no time. Plus, Murietta has great ocean breezes! -
March 14, 2008 at 10:03 PM #170223Guest
bugs: And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
Bugs, I agree with most of what you posted on this thread except for the above. You missed the mark on this one. Women, who were born to be nurturers and caregivers, tend to view the purchase of a house somewhat differently that that of a man. Most men look at it as a business transaction, at least in part, most women look at it as a place to live in and to raise a family.
Personally, buying a home so my kids can feel more secure is EXACTLY the reason I want to buy one. I don’t care about profits, all I care about is having a home where I can raise them in a stable environment. I don’t care what anyone says, in the vast majority of situations, renting is not a good situation to be in unless you know beyond a shadow of a doubt that you will not have to move unless you are ready. Owning a home of your own that you can afford, is by far a much more stable situation for a family to be in.
Also, when fundamentals are in order, renting is throwing your money out the window. It’s only suited for Gypsies, in my opinion. Renting sucks!!
-
March 14, 2008 at 10:03 PM #170227Guest
bugs: And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
Bugs, I agree with most of what you posted on this thread except for the above. You missed the mark on this one. Women, who were born to be nurturers and caregivers, tend to view the purchase of a house somewhat differently that that of a man. Most men look at it as a business transaction, at least in part, most women look at it as a place to live in and to raise a family.
Personally, buying a home so my kids can feel more secure is EXACTLY the reason I want to buy one. I don’t care about profits, all I care about is having a home where I can raise them in a stable environment. I don’t care what anyone says, in the vast majority of situations, renting is not a good situation to be in unless you know beyond a shadow of a doubt that you will not have to move unless you are ready. Owning a home of your own that you can afford, is by far a much more stable situation for a family to be in.
Also, when fundamentals are in order, renting is throwing your money out the window. It’s only suited for Gypsies, in my opinion. Renting sucks!!
-
March 14, 2008 at 10:03 PM #170250Guest
bugs: And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
Bugs, I agree with most of what you posted on this thread except for the above. You missed the mark on this one. Women, who were born to be nurturers and caregivers, tend to view the purchase of a house somewhat differently that that of a man. Most men look at it as a business transaction, at least in part, most women look at it as a place to live in and to raise a family.
Personally, buying a home so my kids can feel more secure is EXACTLY the reason I want to buy one. I don’t care about profits, all I care about is having a home where I can raise them in a stable environment. I don’t care what anyone says, in the vast majority of situations, renting is not a good situation to be in unless you know beyond a shadow of a doubt that you will not have to move unless you are ready. Owning a home of your own that you can afford, is by far a much more stable situation for a family to be in.
Also, when fundamentals are in order, renting is throwing your money out the window. It’s only suited for Gypsies, in my opinion. Renting sucks!!
-
March 14, 2008 at 10:03 PM #170329Guest
bugs: And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
Bugs, I agree with most of what you posted on this thread except for the above. You missed the mark on this one. Women, who were born to be nurturers and caregivers, tend to view the purchase of a house somewhat differently that that of a man. Most men look at it as a business transaction, at least in part, most women look at it as a place to live in and to raise a family.
Personally, buying a home so my kids can feel more secure is EXACTLY the reason I want to buy one. I don’t care about profits, all I care about is having a home where I can raise them in a stable environment. I don’t care what anyone says, in the vast majority of situations, renting is not a good situation to be in unless you know beyond a shadow of a doubt that you will not have to move unless you are ready. Owning a home of your own that you can afford, is by far a much more stable situation for a family to be in.
Also, when fundamentals are in order, renting is throwing your money out the window. It’s only suited for Gypsies, in my opinion. Renting sucks!!
-
March 14, 2008 at 8:19 PM #170162Participant
Let me tell you a story. About a year ago we had a regular poster here who was thinking about buying in Temecula at ~$350k. We went through the entire routine, right down to telling him that he could easily lose his entire downpayment and find himself very upside down in the house. We told him not to buy the house unless he didn’t mind the idea of losing a lot of money.
But we also told him that everyone has to decide for themself, just like what we’re telling you right now.
He decided to pull the trigger and he bought the house. End of story, right? Not.
He came back here a few weeks ago and was lamenting how much more his neighborhood had dropped since he bought in, and come to find out the worst case scenarios we were painting for him now appears to be a certainty. So his question to us now was what we thought about the feasibility of him buying a second house at the much lower price and just walking away from the first house – because he just didn’t want to live with that mistake anymore.
You’ll do what you do. At this point it somewhat looks like you came here looking more for validation rather than input. Not that it’s a bad thing to seek validation but you should probably consider the merits of distinguishing between your emotional desires and having common sense. Sometimes they’re the same but often they aren’t. So long as you’re willing to be the adult and live with your decisions then its all good.
But make no mistake about it – buying right now will cost you money. We don’t recommend you spend any more of it than you’re prepared to lose.
And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
-
March 14, 2008 at 8:19 PM #170168Participant
Let me tell you a story. About a year ago we had a regular poster here who was thinking about buying in Temecula at ~$350k. We went through the entire routine, right down to telling him that he could easily lose his entire downpayment and find himself very upside down in the house. We told him not to buy the house unless he didn’t mind the idea of losing a lot of money.
But we also told him that everyone has to decide for themself, just like what we’re telling you right now.
He decided to pull the trigger and he bought the house. End of story, right? Not.
He came back here a few weeks ago and was lamenting how much more his neighborhood had dropped since he bought in, and come to find out the worst case scenarios we were painting for him now appears to be a certainty. So his question to us now was what we thought about the feasibility of him buying a second house at the much lower price and just walking away from the first house – because he just didn’t want to live with that mistake anymore.
You’ll do what you do. At this point it somewhat looks like you came here looking more for validation rather than input. Not that it’s a bad thing to seek validation but you should probably consider the merits of distinguishing between your emotional desires and having common sense. Sometimes they’re the same but often they aren’t. So long as you’re willing to be the adult and live with your decisions then its all good.
But make no mistake about it – buying right now will cost you money. We don’t recommend you spend any more of it than you’re prepared to lose.
And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
-
March 14, 2008 at 8:19 PM #170190Participant
Let me tell you a story. About a year ago we had a regular poster here who was thinking about buying in Temecula at ~$350k. We went through the entire routine, right down to telling him that he could easily lose his entire downpayment and find himself very upside down in the house. We told him not to buy the house unless he didn’t mind the idea of losing a lot of money.
But we also told him that everyone has to decide for themself, just like what we’re telling you right now.
He decided to pull the trigger and he bought the house. End of story, right? Not.
He came back here a few weeks ago and was lamenting how much more his neighborhood had dropped since he bought in, and come to find out the worst case scenarios we were painting for him now appears to be a certainty. So his question to us now was what we thought about the feasibility of him buying a second house at the much lower price and just walking away from the first house – because he just didn’t want to live with that mistake anymore.
You’ll do what you do. At this point it somewhat looks like you came here looking more for validation rather than input. Not that it’s a bad thing to seek validation but you should probably consider the merits of distinguishing between your emotional desires and having common sense. Sometimes they’re the same but often they aren’t. So long as you’re willing to be the adult and live with your decisions then its all good.
But make no mistake about it – buying right now will cost you money. We don’t recommend you spend any more of it than you’re prepared to lose.
And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
-
March 14, 2008 at 8:19 PM #170266Participant
Let me tell you a story. About a year ago we had a regular poster here who was thinking about buying in Temecula at ~$350k. We went through the entire routine, right down to telling him that he could easily lose his entire downpayment and find himself very upside down in the house. We told him not to buy the house unless he didn’t mind the idea of losing a lot of money.
But we also told him that everyone has to decide for themself, just like what we’re telling you right now.
He decided to pull the trigger and he bought the house. End of story, right? Not.
He came back here a few weeks ago and was lamenting how much more his neighborhood had dropped since he bought in, and come to find out the worst case scenarios we were painting for him now appears to be a certainty. So his question to us now was what we thought about the feasibility of him buying a second house at the much lower price and just walking away from the first house – because he just didn’t want to live with that mistake anymore.
You’ll do what you do. At this point it somewhat looks like you came here looking more for validation rather than input. Not that it’s a bad thing to seek validation but you should probably consider the merits of distinguishing between your emotional desires and having common sense. Sometimes they’re the same but often they aren’t. So long as you’re willing to be the adult and live with your decisions then its all good.
But make no mistake about it – buying right now will cost you money. We don’t recommend you spend any more of it than you’re prepared to lose.
And while we’re at it, you can hold off on the self-delusion that you’re buying a home so your kid will feel more secure. I’ve never met a kid who cared one way or the other about who holds the note on the house they’re living in. They don’t want to be moving around a lot but other than that stability is defined by staying in one place more or less, and by being raised by two parents who have a reasonably happy marriage. If you want the house for yourself there’s nothing wrong with being upfront about that. you should leave your kids out of it, though – you’ll have enough to blame them for in the future as it is.
-
March 14, 2008 at 5:44 PM #170109Participant
If you are really in love with the house, then stick to your price and have your realtors provide you with:
1) BPO
2) Net SheetThese 2 things will tell you if your offer is viable to the bank. Also, follow up on your realtor as well as the realtor listing the short sale. Short sales require ALOT of follow up with the banks to make sure they are not putting your file away. Call daily if you have to.
Don’t put all the blame on your realtor. Lenders are acting like idiots right now and should jump at any offer on a home in default. Why don’t you ask if either of the realtors have ever done a short sale. If not, you can find a short sale negotiator to handle all the communication with the banks. The negotiator is paid by the lender so the realtors don’t have to stress about losing their comission.
Good luck on your endeavor – but please let me part some advice before I go. NEVER NEVER NEVER fall in love with a house you are bidding on. Not in this market and not at these prices. Get over it and get over it FAST! Use your head or your heart will lead you to financial hardship.
-
March 14, 2008 at 5:44 PM #170110Participant
If you are really in love with the house, then stick to your price and have your realtors provide you with:
1) BPO
2) Net SheetThese 2 things will tell you if your offer is viable to the bank. Also, follow up on your realtor as well as the realtor listing the short sale. Short sales require ALOT of follow up with the banks to make sure they are not putting your file away. Call daily if you have to.
Don’t put all the blame on your realtor. Lenders are acting like idiots right now and should jump at any offer on a home in default. Why don’t you ask if either of the realtors have ever done a short sale. If not, you can find a short sale negotiator to handle all the communication with the banks. The negotiator is paid by the lender so the realtors don’t have to stress about losing their comission.
Good luck on your endeavor – but please let me part some advice before I go. NEVER NEVER NEVER fall in love with a house you are bidding on. Not in this market and not at these prices. Get over it and get over it FAST! Use your head or your heart will lead you to financial hardship.
-
March 14, 2008 at 5:44 PM #170136Participant
If you are really in love with the house, then stick to your price and have your realtors provide you with:
1) BPO
2) Net SheetThese 2 things will tell you if your offer is viable to the bank. Also, follow up on your realtor as well as the realtor listing the short sale. Short sales require ALOT of follow up with the banks to make sure they are not putting your file away. Call daily if you have to.
Don’t put all the blame on your realtor. Lenders are acting like idiots right now and should jump at any offer on a home in default. Why don’t you ask if either of the realtors have ever done a short sale. If not, you can find a short sale negotiator to handle all the communication with the banks. The negotiator is paid by the lender so the realtors don’t have to stress about losing their comission.
Good luck on your endeavor – but please let me part some advice before I go. NEVER NEVER NEVER fall in love with a house you are bidding on. Not in this market and not at these prices. Get over it and get over it FAST! Use your head or your heart will lead you to financial hardship.
-
March 14, 2008 at 5:44 PM #170213Participant
If you are really in love with the house, then stick to your price and have your realtors provide you with:
1) BPO
2) Net SheetThese 2 things will tell you if your offer is viable to the bank. Also, follow up on your realtor as well as the realtor listing the short sale. Short sales require ALOT of follow up with the banks to make sure they are not putting your file away. Call daily if you have to.
Don’t put all the blame on your realtor. Lenders are acting like idiots right now and should jump at any offer on a home in default. Why don’t you ask if either of the realtors have ever done a short sale. If not, you can find a short sale negotiator to handle all the communication with the banks. The negotiator is paid by the lender so the realtors don’t have to stress about losing their comission.
Good luck on your endeavor – but please let me part some advice before I go. NEVER NEVER NEVER fall in love with a house you are bidding on. Not in this market and not at these prices. Get over it and get over it FAST! Use your head or your heart will lead you to financial hardship.
-
-
March 14, 2008 at 5:27 PM #170089Participant
HelloKitty, your post put a smile on my face, because you sound like me, only smarter. =) my husband also makes a good living at a relatively young age, and we bought our first house two years ago for many of the same reasons: 1) we wanted the tax deduction, 2) we could easily afford it, and 3) we felt it was the perfect home and neighborhood (carmel valley) in which to start a family. UNLIKE you, we didn’t know about this forum or do much research.
anyway, just one caveat, based on my own experience–young people aren’t always in the job in which they’ll retire. just in case you end up having to relocate in the next couple of years, would you be alright if you couldn’t sell your house for what you paid for it? the answer is probably yes, since the house is so darn inexpensive to begin with, and if yes, then go for it!
-
March 14, 2008 at 5:27 PM #170091Participant
HelloKitty, your post put a smile on my face, because you sound like me, only smarter. =) my husband also makes a good living at a relatively young age, and we bought our first house two years ago for many of the same reasons: 1) we wanted the tax deduction, 2) we could easily afford it, and 3) we felt it was the perfect home and neighborhood (carmel valley) in which to start a family. UNLIKE you, we didn’t know about this forum or do much research.
anyway, just one caveat, based on my own experience–young people aren’t always in the job in which they’ll retire. just in case you end up having to relocate in the next couple of years, would you be alright if you couldn’t sell your house for what you paid for it? the answer is probably yes, since the house is so darn inexpensive to begin with, and if yes, then go for it!
-
March 14, 2008 at 5:27 PM #170115Participant
HelloKitty, your post put a smile on my face, because you sound like me, only smarter. =) my husband also makes a good living at a relatively young age, and we bought our first house two years ago for many of the same reasons: 1) we wanted the tax deduction, 2) we could easily afford it, and 3) we felt it was the perfect home and neighborhood (carmel valley) in which to start a family. UNLIKE you, we didn’t know about this forum or do much research.
anyway, just one caveat, based on my own experience–young people aren’t always in the job in which they’ll retire. just in case you end up having to relocate in the next couple of years, would you be alright if you couldn’t sell your house for what you paid for it? the answer is probably yes, since the house is so darn inexpensive to begin with, and if yes, then go for it!
-
March 14, 2008 at 5:27 PM #170193Participant
HelloKitty, your post put a smile on my face, because you sound like me, only smarter. =) my husband also makes a good living at a relatively young age, and we bought our first house two years ago for many of the same reasons: 1) we wanted the tax deduction, 2) we could easily afford it, and 3) we felt it was the perfect home and neighborhood (carmel valley) in which to start a family. UNLIKE you, we didn’t know about this forum or do much research.
anyway, just one caveat, based on my own experience–young people aren’t always in the job in which they’ll retire. just in case you end up having to relocate in the next couple of years, would you be alright if you couldn’t sell your house for what you paid for it? the answer is probably yes, since the house is so darn inexpensive to begin with, and if yes, then go for it!
-
-
March 14, 2008 at 3:12 PM #170033Participant
I love that you guys are all looking out for me and telling me not to buy right now.
But – and okay this is a big BUT, as in if this BUT had a name it would be JLO… BUT I really think that this is the house for me.
My husband’s annual salary is $250k a year so I don’t think buying a $290k house is a terrible decision.
We’re both under 30 and we have no kids or own a home so after taxes we probably see about $12.00 of it.
I’m exaggerating, but honestly Uncle Sam takes a huge chomp out of our asses come tax time.
Boo hoo right? Poor me!
I’m sure I’ll be beating off your sympathy with a stick.
When I met him, I made more money than him and I never imagined that a guy doing tech support would end up making six figures by the time he was 25.
I’m not foolish though. Just as easily as that money came, it could just as easily disappear. I soooo get that.
This is why I’m not trying to justify the purchase of an Egg McMansion with cheese.
Because I don’t need a million dollar house or a half million dollar house.
I just want a house we know we can AFFORD (big ass EMPHASIS on afford) and pay off in 15 years and still have money for reserves and savings and money to buy another home later down the road when the piggington approved bottom hits.
Right now, we are currently renting a 2 bedroom condo in Los Angeles and when I do the math, if we were to purchase the home in Murrieta at 290k our mortgage will be cheaper than our rent in Los Angeles. We could just as easily move to Murrieta and rent a house, but then we couldn’t have a stripper pole in the bedroom or the tax write off, now could we? Tax write off + stripper pole = win/win situation!
And since I know you’re all waiting for it, here’s my estrogen induced reason for wanting to buy this house. It’s four doors down from my brother and his wife. They’re expecting a baby and I want to be there for that, not two hours away or paying someone else’s mortgage when we could easily be paying for our own!
I would love for us to live on the same block and raise our children together. That is my dream.
My other dream is to have condomless sex with my husband.
We can’t WAIT to hear the pitter patter of little tax deductions!
But having a baby isn’t an option for us right now because we wouldn’t have anywhere to put him/her.
Seriously, If I were our baby, I’d feel like my parents were assholes if my dad made 250k a year and in my infancy, my first few weeks of life were spent sleeping in a dresser drawer!
I don’t want my baby to think I’m an asshole because his cousin’s first bed was a crib in a house in Murrieta and his crib was a laundry basket in a condo in Los Angeles.
I already know that my biggest regret in life won’t be buying a house I know will depreciate.
My biggest regret will be missing out on the birth of my future nephew because I was stuck in traffic two hours away.
My biggest regret is that despite being married for 9384394 years, I gotta have PROTECTED sex with my husband because GOD FORBID the condom busts before the housing bubble does!
That’s me pleading my case to you.
I hear you, I respect you, I trust you guys.
But that house is gonna be mine, make no mistake about it.
The question is just a matter of when.
And I say that fully informed, fully prepared and well aware of the fact that housing prices WILL go down again.
And at the end of the day, when my house is upside down but PAID for, and I’m working off my post pregnancy weight doing stripperobics via the stripper pole attached to the house I own, four houses down the from my brother and his family, not only will I find a way to get over it, I’ll do it with a smile on my face.
So now that you know my whole life story, I’d love your blessing in buying this house almost as much as I would any additional advice you could give me about short sales and my sucky realtor.
Thanks guys, you fucking rock!
Jane
-
March 14, 2008 at 3:12 PM #170039Participant
I love that you guys are all looking out for me and telling me not to buy right now.
But – and okay this is a big BUT, as in if this BUT had a name it would be JLO… BUT I really think that this is the house for me.
My husband’s annual salary is $250k a year so I don’t think buying a $290k house is a terrible decision.
We’re both under 30 and we have no kids or own a home so after taxes we probably see about $12.00 of it.
I’m exaggerating, but honestly Uncle Sam takes a huge chomp out of our asses come tax time.
Boo hoo right? Poor me!
I’m sure I’ll be beating off your sympathy with a stick.
When I met him, I made more money than him and I never imagined that a guy doing tech support would end up making six figures by the time he was 25.
I’m not foolish though. Just as easily as that money came, it could just as easily disappear. I soooo get that.
This is why I’m not trying to justify the purchase of an Egg McMansion with cheese.
Because I don’t need a million dollar house or a half million dollar house.
I just want a house we know we can AFFORD (big ass EMPHASIS on afford) and pay off in 15 years and still have money for reserves and savings and money to buy another home later down the road when the piggington approved bottom hits.
Right now, we are currently renting a 2 bedroom condo in Los Angeles and when I do the math, if we were to purchase the home in Murrieta at 290k our mortgage will be cheaper than our rent in Los Angeles. We could just as easily move to Murrieta and rent a house, but then we couldn’t have a stripper pole in the bedroom or the tax write off, now could we? Tax write off + stripper pole = win/win situation!
And since I know you’re all waiting for it, here’s my estrogen induced reason for wanting to buy this house. It’s four doors down from my brother and his wife. They’re expecting a baby and I want to be there for that, not two hours away or paying someone else’s mortgage when we could easily be paying for our own!
I would love for us to live on the same block and raise our children together. That is my dream.
My other dream is to have condomless sex with my husband.
We can’t WAIT to hear the pitter patter of little tax deductions!
But having a baby isn’t an option for us right now because we wouldn’t have anywhere to put him/her.
Seriously, If I were our baby, I’d feel like my parents were assholes if my dad made 250k a year and in my infancy, my first few weeks of life were spent sleeping in a dresser drawer!
I don’t want my baby to think I’m an asshole because his cousin’s first bed was a crib in a house in Murrieta and his crib was a laundry basket in a condo in Los Angeles.
I already know that my biggest regret in life won’t be buying a house I know will depreciate.
My biggest regret will be missing out on the birth of my future nephew because I was stuck in traffic two hours away.
My biggest regret is that despite being married for 9384394 years, I gotta have PROTECTED sex with my husband because GOD FORBID the condom busts before the housing bubble does!
That’s me pleading my case to you.
I hear you, I respect you, I trust you guys.
But that house is gonna be mine, make no mistake about it.
The question is just a matter of when.
And I say that fully informed, fully prepared and well aware of the fact that housing prices WILL go down again.
And at the end of the day, when my house is upside down but PAID for, and I’m working off my post pregnancy weight doing stripperobics via the stripper pole attached to the house I own, four houses down the from my brother and his family, not only will I find a way to get over it, I’ll do it with a smile on my face.
So now that you know my whole life story, I’d love your blessing in buying this house almost as much as I would any additional advice you could give me about short sales and my sucky realtor.
Thanks guys, you fucking rock!
Jane
-
March 14, 2008 at 3:12 PM #170060Participant
I love that you guys are all looking out for me and telling me not to buy right now.
But – and okay this is a big BUT, as in if this BUT had a name it would be JLO… BUT I really think that this is the house for me.
My husband’s annual salary is $250k a year so I don’t think buying a $290k house is a terrible decision.
We’re both under 30 and we have no kids or own a home so after taxes we probably see about $12.00 of it.
I’m exaggerating, but honestly Uncle Sam takes a huge chomp out of our asses come tax time.
Boo hoo right? Poor me!
I’m sure I’ll be beating off your sympathy with a stick.
When I met him, I made more money than him and I never imagined that a guy doing tech support would end up making six figures by the time he was 25.
I’m not foolish though. Just as easily as that money came, it could just as easily disappear. I soooo get that.
This is why I’m not trying to justify the purchase of an Egg McMansion with cheese.
Because I don’t need a million dollar house or a half million dollar house.
I just want a house we know we can AFFORD (big ass EMPHASIS on afford) and pay off in 15 years and still have money for reserves and savings and money to buy another home later down the road when the piggington approved bottom hits.
Right now, we are currently renting a 2 bedroom condo in Los Angeles and when I do the math, if we were to purchase the home in Murrieta at 290k our mortgage will be cheaper than our rent in Los Angeles. We could just as easily move to Murrieta and rent a house, but then we couldn’t have a stripper pole in the bedroom or the tax write off, now could we? Tax write off + stripper pole = win/win situation!
And since I know you’re all waiting for it, here’s my estrogen induced reason for wanting to buy this house. It’s four doors down from my brother and his wife. They’re expecting a baby and I want to be there for that, not two hours away or paying someone else’s mortgage when we could easily be paying for our own!
I would love for us to live on the same block and raise our children together. That is my dream.
My other dream is to have condomless sex with my husband.
We can’t WAIT to hear the pitter patter of little tax deductions!
But having a baby isn’t an option for us right now because we wouldn’t have anywhere to put him/her.
Seriously, If I were our baby, I’d feel like my parents were assholes if my dad made 250k a year and in my infancy, my first few weeks of life were spent sleeping in a dresser drawer!
I don’t want my baby to think I’m an asshole because his cousin’s first bed was a crib in a house in Murrieta and his crib was a laundry basket in a condo in Los Angeles.
I already know that my biggest regret in life won’t be buying a house I know will depreciate.
My biggest regret will be missing out on the birth of my future nephew because I was stuck in traffic two hours away.
My biggest regret is that despite being married for 9384394 years, I gotta have PROTECTED sex with my husband because GOD FORBID the condom busts before the housing bubble does!
That’s me pleading my case to you.
I hear you, I respect you, I trust you guys.
But that house is gonna be mine, make no mistake about it.
The question is just a matter of when.
And I say that fully informed, fully prepared and well aware of the fact that housing prices WILL go down again.
And at the end of the day, when my house is upside down but PAID for, and I’m working off my post pregnancy weight doing stripperobics via the stripper pole attached to the house I own, four houses down the from my brother and his family, not only will I find a way to get over it, I’ll do it with a smile on my face.
So now that you know my whole life story, I’d love your blessing in buying this house almost as much as I would any additional advice you could give me about short sales and my sucky realtor.
Thanks guys, you fucking rock!
Jane
-
March 14, 2008 at 3:12 PM #170138Participant
I love that you guys are all looking out for me and telling me not to buy right now.
But – and okay this is a big BUT, as in if this BUT had a name it would be JLO… BUT I really think that this is the house for me.
My husband’s annual salary is $250k a year so I don’t think buying a $290k house is a terrible decision.
We’re both under 30 and we have no kids or own a home so after taxes we probably see about $12.00 of it.
I’m exaggerating, but honestly Uncle Sam takes a huge chomp out of our asses come tax time.
Boo hoo right? Poor me!
I’m sure I’ll be beating off your sympathy with a stick.
When I met him, I made more money than him and I never imagined that a guy doing tech support would end up making six figures by the time he was 25.
I’m not foolish though. Just as easily as that money came, it could just as easily disappear. I soooo get that.
This is why I’m not trying to justify the purchase of an Egg McMansion with cheese.
Because I don’t need a million dollar house or a half million dollar house.
I just want a house we know we can AFFORD (big ass EMPHASIS on afford) and pay off in 15 years and still have money for reserves and savings and money to buy another home later down the road when the piggington approved bottom hits.
Right now, we are currently renting a 2 bedroom condo in Los Angeles and when I do the math, if we were to purchase the home in Murrieta at 290k our mortgage will be cheaper than our rent in Los Angeles. We could just as easily move to Murrieta and rent a house, but then we couldn’t have a stripper pole in the bedroom or the tax write off, now could we? Tax write off + stripper pole = win/win situation!
And since I know you’re all waiting for it, here’s my estrogen induced reason for wanting to buy this house. It’s four doors down from my brother and his wife. They’re expecting a baby and I want to be there for that, not two hours away or paying someone else’s mortgage when we could easily be paying for our own!
I would love for us to live on the same block and raise our children together. That is my dream.
My other dream is to have condomless sex with my husband.
We can’t WAIT to hear the pitter patter of little tax deductions!
But having a baby isn’t an option for us right now because we wouldn’t have anywhere to put him/her.
Seriously, If I were our baby, I’d feel like my parents were assholes if my dad made 250k a year and in my infancy, my first few weeks of life were spent sleeping in a dresser drawer!
I don’t want my baby to think I’m an asshole because his cousin’s first bed was a crib in a house in Murrieta and his crib was a laundry basket in a condo in Los Angeles.
I already know that my biggest regret in life won’t be buying a house I know will depreciate.
My biggest regret will be missing out on the birth of my future nephew because I was stuck in traffic two hours away.
My biggest regret is that despite being married for 9384394 years, I gotta have PROTECTED sex with my husband because GOD FORBID the condom busts before the housing bubble does!
That’s me pleading my case to you.
I hear you, I respect you, I trust you guys.
But that house is gonna be mine, make no mistake about it.
The question is just a matter of when.
And I say that fully informed, fully prepared and well aware of the fact that housing prices WILL go down again.
And at the end of the day, when my house is upside down but PAID for, and I’m working off my post pregnancy weight doing stripperobics via the stripper pole attached to the house I own, four houses down the from my brother and his family, not only will I find a way to get over it, I’ll do it with a smile on my face.
So now that you know my whole life story, I’d love your blessing in buying this house almost as much as I would any additional advice you could give me about short sales and my sucky realtor.
Thanks guys, you fucking rock!
Jane
-
March 14, 2008 at 3:54 PM #169721
Coronita
ParticipantDumb Question.
How the hell does someone do $250k a year in tech support, unless you're running your own company billing customers up the yazzoo? It just seems like (no offense) impossible, especially most of this stuff is outsourced today. Is this some government pork-barrel position? It's a serious question.
Mind if you tell us what company this is? I'm send my company over there offering to do stuff for 1/2 the price.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 5:36 PM #169761Participant
Oh, honey you weren’t far off at all. There’s plenty of “yazzo” in my husband’s line of work since he’s the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you’re into online porn and you pay up the “yazzo” to see some “yazzo” just let me know, I’ll hook you up with the friends and family discount!
It’s not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He’s moved up since then.
You know how some parents tell their kids that they’ll never get anywhere playing video games? Well, it’s bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband’s knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I’ll double check but I’m pretty sure my husband’s pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn’t have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That’s what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
-
March 14, 2008 at 5:41 PM #169771Participant
Oh, honey you weren't far off at all. There's plenty of "yazzo" in my husband's line of work since he's the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you're into online porn and you pay up the "yazzo" to see some "yazzo" just let me know, I'll hook you up with the friends and family discount!
It's not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He's moved up since then.
You know how some parents tell their kids that they'll never get anywhere playing video games? Well, it's bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband's knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I'll double check but I'm pretty sure my husband's pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn't have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That's what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
Ah yes… All you had to say was PORN, now I believe you. I figured that.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 5:41 PM #170104Participant
Oh, honey you weren't far off at all. There's plenty of "yazzo" in my husband's line of work since he's the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you're into online porn and you pay up the "yazzo" to see some "yazzo" just let me know, I'll hook you up with the friends and family discount!
It's not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He's moved up since then.
You know how some parents tell their kids that they'll never get anywhere playing video games? Well, it's bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband's knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I'll double check but I'm pretty sure my husband's pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn't have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That's what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
Ah yes… All you had to say was PORN, now I believe you. I figured that.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 5:41 PM #170108Participant
Oh, honey you weren't far off at all. There's plenty of "yazzo" in my husband's line of work since he's the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you're into online porn and you pay up the "yazzo" to see some "yazzo" just let me know, I'll hook you up with the friends and family discount!
It's not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He's moved up since then.
You know how some parents tell their kids that they'll never get anywhere playing video games? Well, it's bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband's knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I'll double check but I'm pretty sure my husband's pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn't have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That's what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
Ah yes… All you had to say was PORN, now I believe you. I figured that.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 5:41 PM #170131Participant
Oh, honey you weren't far off at all. There's plenty of "yazzo" in my husband's line of work since he's the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you're into online porn and you pay up the "yazzo" to see some "yazzo" just let me know, I'll hook you up with the friends and family discount!
It's not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He's moved up since then.
You know how some parents tell their kids that they'll never get anywhere playing video games? Well, it's bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband's knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I'll double check but I'm pretty sure my husband's pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn't have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That's what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
Ah yes… All you had to say was PORN, now I believe you. I figured that.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 5:41 PM #170208Participant
Oh, honey you weren't far off at all. There's plenty of "yazzo" in my husband's line of work since he's the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you're into online porn and you pay up the "yazzo" to see some "yazzo" just let me know, I'll hook you up with the friends and family discount!
It's not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He's moved up since then.
You know how some parents tell their kids that they'll never get anywhere playing video games? Well, it's bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband's knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I'll double check but I'm pretty sure my husband's pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn't have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That's what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
Ah yes… All you had to say was PORN, now I believe you. I figured that.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
-
March 14, 2008 at 5:36 PM #170094Participant
Oh, honey you weren’t far off at all. There’s plenty of “yazzo” in my husband’s line of work since he’s the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you’re into online porn and you pay up the “yazzo” to see some “yazzo” just let me know, I’ll hook you up with the friends and family discount!
It’s not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He’s moved up since then.
You know how some parents tell their kids that they’ll never get anywhere playing video games? Well, it’s bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband’s knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I’ll double check but I’m pretty sure my husband’s pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn’t have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That’s what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
-
March 14, 2008 at 5:36 PM #170095Participant
Oh, honey you weren’t far off at all. There’s plenty of “yazzo” in my husband’s line of work since he’s the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you’re into online porn and you pay up the “yazzo” to see some “yazzo” just let me know, I’ll hook you up with the friends and family discount!
It’s not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He’s moved up since then.
You know how some parents tell their kids that they’ll never get anywhere playing video games? Well, it’s bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband’s knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I’ll double check but I’m pretty sure my husband’s pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn’t have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That’s what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
-
March 14, 2008 at 5:36 PM #170121Participant
Oh, honey you weren’t far off at all. There’s plenty of “yazzo” in my husband’s line of work since he’s the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you’re into online porn and you pay up the “yazzo” to see some “yazzo” just let me know, I’ll hook you up with the friends and family discount!
It’s not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He’s moved up since then.
You know how some parents tell their kids that they’ll never get anywhere playing video games? Well, it’s bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband’s knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I’ll double check but I’m pretty sure my husband’s pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn’t have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That’s what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
-
March 14, 2008 at 5:36 PM #170198Participant
Oh, honey you weren’t far off at all. There’s plenty of “yazzo” in my husband’s line of work since he’s the Chief Technical Officer of a well known internet porn company in Los Angeles.
So if you’re into online porn and you pay up the “yazzo” to see some “yazzo” just let me know, I’ll hook you up with the friends and family discount!
It’s not a huge discount or anything, since we all know how little money there is to be made in online porn.
I met my husband when we were both 18 and AT THAT TIME he worked for a software company doing tech support. He’s moved up since then.
You know how some parents tell their kids that they’ll never get anywhere playing video games? Well, it’s bullshit and my husband is a walking example of it.
My husband used to play video games online with the CEO of a very well known web company, and this guy was so impressed by my husband’s knowledge of computers that my husband got a job there before he even got a high school diploma!
Um, I’ll double check but I’m pretty sure my husband’s pubes are made of four leaf clovers!
That is how lucky my man is.
My husband doesn’t have a single day of a college education, he is completely self taught and somehow he knows EVERY single facet of computers – networking, coding, programming, software, etc.
You know how little kids will take shit apart and put it back together?
For shits and giggles, my husband built a replica of YouTube.
You know how sometimes you get bored and you decide to code and design billion dollar web applications from scratch just for fun?
That’s what my husband did… with YOUTUBE!
So had he thought of YouTube first and put it up just one minute before they did,I would be sitting on a diamond crusted toilet wiping my ass with $100,000 bills taking a shit instead of giving a shit.
Jane
-
-
March 14, 2008 at 3:54 PM #170052Participant
Dumb Question.
How the hell does someone do $250k a year in tech support, unless you're running your own company billing customers up the yazzoo? It just seems like (no offense) impossible, especially most of this stuff is outsourced today. Is this some government pork-barrel position? It's a serious question.
Mind if you tell us what company this is? I'm send my company over there offering to do stuff for 1/2 the price.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 3:54 PM #170058Participant
Dumb Question.
How the hell does someone do $250k a year in tech support, unless you're running your own company billing customers up the yazzoo? It just seems like (no offense) impossible, especially most of this stuff is outsourced today. Is this some government pork-barrel position? It's a serious question.
Mind if you tell us what company this is? I'm send my company over there offering to do stuff for 1/2 the price.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 3:54 PM #170083Participant
Dumb Question.
How the hell does someone do $250k a year in tech support, unless you're running your own company billing customers up the yazzoo? It just seems like (no offense) impossible, especially most of this stuff is outsourced today. Is this some government pork-barrel position? It's a serious question.
Mind if you tell us what company this is? I'm send my company over there offering to do stuff for 1/2 the price.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 3:54 PM #170159Participant
Dumb Question.
How the hell does someone do $250k a year in tech support, unless you're running your own company billing customers up the yazzoo? It just seems like (no offense) impossible, especially most of this stuff is outsourced today. Is this some government pork-barrel position? It's a serious question.
Mind if you tell us what company this is? I'm send my company over there offering to do stuff for 1/2 the price.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
-
March 14, 2008 at 10:45 PM #169916
La Jolla Renter
ParticipantHellokitty,
I am not endorsing your desire to buy right now, but if you must…
Go find 10 houses you like better and offer $250k. Even if the listing price is $400k, just do it. It is a buyers market… so start acting like it.
Get a an agent that knows what they are doing.
Go find some homes that will not be short sells even with your low ball offer. Make your offer good for 24hrs. Offer a $50,000 deposit that goes hard the minute they accept your offer. Low ball with balls as one of my buddies says.
-
March 14, 2008 at 10:45 PM #170249Participant
Hellokitty,
I am not endorsing your desire to buy right now, but if you must…
Go find 10 houses you like better and offer $250k. Even if the listing price is $400k, just do it. It is a buyers market… so start acting like it.
Get a an agent that knows what they are doing.
Go find some homes that will not be short sells even with your low ball offer. Make your offer good for 24hrs. Offer a $50,000 deposit that goes hard the minute they accept your offer. Low ball with balls as one of my buddies says.
-
March 14, 2008 at 10:45 PM #170253Participant
Hellokitty,
I am not endorsing your desire to buy right now, but if you must…
Go find 10 houses you like better and offer $250k. Even if the listing price is $400k, just do it. It is a buyers market… so start acting like it.
Get a an agent that knows what they are doing.
Go find some homes that will not be short sells even with your low ball offer. Make your offer good for 24hrs. Offer a $50,000 deposit that goes hard the minute they accept your offer. Low ball with balls as one of my buddies says.
-
March 14, 2008 at 10:45 PM #170279Participant
Hellokitty,
I am not endorsing your desire to buy right now, but if you must…
Go find 10 houses you like better and offer $250k. Even if the listing price is $400k, just do it. It is a buyers market… so start acting like it.
Get a an agent that knows what they are doing.
Go find some homes that will not be short sells even with your low ball offer. Make your offer good for 24hrs. Offer a $50,000 deposit that goes hard the minute they accept your offer. Low ball with balls as one of my buddies says.
-
March 14, 2008 at 10:45 PM #170352Participant
Hellokitty,
I am not endorsing your desire to buy right now, but if you must…
Go find 10 houses you like better and offer $250k. Even if the listing price is $400k, just do it. It is a buyers market… so start acting like it.
Get a an agent that knows what they are doing.
Go find some homes that will not be short sells even with your low ball offer. Make your offer good for 24hrs. Offer a $50,000 deposit that goes hard the minute they accept your offer. Low ball with balls as one of my buddies says.
-
March 14, 2008 at 11:04 PM #169936Guest
By all means buy a house. As Marion implies, any child who can’t depend on their parents to provide a stable home because the family is renting needs all the help they can get. If Mom and Dad feel that they are failures because they are renting,…well, just how screwed up is that kid going to be? It’s far better to make any sacrifice you must to provide a house for a newborn baby because you know how often those latent childhood memories twist around and make them hate their parents!
Since the current level of home ownership is unprecedented, I’d guess up to a third of the readers grew up while their parents rented,…and look at what a miserable bunch they are. By the way, don’t forget the designer clothes for the baby, you want your child to start off on top in the status game.-
March 14, 2008 at 11:41 PM #169956Guest
audax, Shhh. Come closer, I’ll let you in on a little secret: there’s a reason they call it the “American Dream”.
Over and out.
-
March 14, 2008 at 11:41 PM #170287Guest
audax, Shhh. Come closer, I’ll let you in on a little secret: there’s a reason they call it the “American Dream”.
Over and out.
-
March 14, 2008 at 11:41 PM #170292Guest
audax, Shhh. Come closer, I’ll let you in on a little secret: there’s a reason they call it the “American Dream”.
Over and out.
-
March 14, 2008 at 11:41 PM #170316Guest
audax, Shhh. Come closer, I’ll let you in on a little secret: there’s a reason they call it the “American Dream”.
Over and out.
-
March 14, 2008 at 11:41 PM #170393Guest
audax, Shhh. Come closer, I’ll let you in on a little secret: there’s a reason they call it the “American Dream”.
Over and out.
-
March 16, 2008 at 10:55 AM #170797
farbet
ParticipantJust saw this on sdlookup
I have a little story here.
So we have a very good and trustworth Realtor. Also a Loan Officer. Both whom my parents have used for a long time. The Loan Officer is a family friend so I have no worries in these departments……
I have a little story here
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March 16, 2008 at 11:14 AM #170813
novice1027
ParticipantHelloKitty,
I say if the house is where you want, and it is well within your means, buy it. Even if it drops, it will go back up at some point, maybe a long time, but if you plan on keeping it, it dosen’t matter.
I bought my house back in 1991, when the market was on its way down, but I did not have the luxory of Pigginton’s, so I had know idea. We paid in the $180’s for the house that promptly dropped into the $130’s, and I thought it was the end of the world. My payment has remained the same, all of the 17 years, and I know live in a house that is close to being paid off, and the payment is less that $800/month. I am like you, in that we will NEVER sell this house. I will always have it as a rental or a backup, in case some unforeseen life event happens we will always have a place to live, where the taxes won’t kill us and the house will be paid for, and to me that is the biggest comfort in the world. Now we are in the position when the market does settle down, we can buy up. So I don’t always thinks it’s about timing the market, it has to fit into your lifestyle as well.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile! -
March 16, 2008 at 11:20 AM #170823Participant
Maybe there are other women on this board who by their names don’t obviously show they are women. Gender incognito.
marion – are you really a woman or pretending to be?
jk. -
March 16, 2008 at 11:20 AM #171155Participant
Maybe there are other women on this board who by their names don’t obviously show they are women. Gender incognito.
marion – are you really a woman or pretending to be?
jk. -
March 16, 2008 at 11:20 AM #171161Participant
Maybe there are other women on this board who by their names don’t obviously show they are women. Gender incognito.
marion – are you really a woman or pretending to be?
jk. -
March 16, 2008 at 11:20 AM #171179Participant
Maybe there are other women on this board who by their names don’t obviously show they are women. Gender incognito.
marion – are you really a woman or pretending to be?
jk. -
March 16, 2008 at 11:20 AM #171261Participant
Maybe there are other women on this board who by their names don’t obviously show they are women. Gender incognito.
marion – are you really a woman or pretending to be?
jk. -
March 17, 2008 at 3:39 PM #171782Guest
Submitted by novice1027 on March 16, 2008 – 11:14am.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
Ahh, novice…The above comment is from the woman who got royally turned on by the flouncing, gallivanting buttocks of Cher’s very gay dancers.
Jane, if you’re real, my sincerest apologies.
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March 17, 2008 at 8:56 PM #172002Participant
Marion,
You have a memory like an elephant, and such a sense of humor, I guess that’s what makes you so endearing! -
March 17, 2008 at 10:22 PM #172047Guest
Hmmm, what did I forget? I know! I know!
How ‘about, there was an “electric horse” involved and Cher didn’t sound too hot.
hehehe
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March 18, 2008 at 7:29 AM #172202Participant
My parents had 3 kids. I was the oldest. My parents bought a house when I was 9. They sold when I was 12. We rented again until I was 16. I think it more important to have a stable household, attentive, caring and loving parents. It didn’t matter to me that we were renting. That was not a factor at all. When you’re a kid, there are so many other things that are important. A house may be important to a parent, but kids care if you are part of their lives and support them, teach them to ride a bike, come to their football game, music class, etc.
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March 18, 2008 at 7:57 AM #172217
vagabondo
ParticipantI am the 3rd of 4 and was born in a 2 bedroom duplex off Nimitz in Point Loma. When I was 5 we moved to an 1100 Sq Ft mansion where I lived until I left for college.
I was in Africa last month. Families of 6-8 people live in 200-300 sq ft shacks and seem to function exceptionally well (aside from AIDS and Malaria).
Point is, and to pile onto the family thing, size doesn’t matter. I have never heard a kid say they felt responsible for the fact that they live in a small house. I do hear them say they felt responsible for a divorce. The only thing that matters to a kid is a loving, nourishing family.
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March 18, 2008 at 8:19 AM #172257Participant
This got me thinking back. The second place my parents rented was a two-family home. The landlords become very close friends w/my parents. The lady babysat us regularly. She had no kids and she love us kids. My parents stayed in touch ever since, no matter where we moved. My mom was very close to the lady and she recently went to the husband’s funeral. My brother went too. They’re all back east. I probably would’ve gone if I were there. Maybe those were different times. I don’t know. Don’t want to date myself (my psychologist told me to date other people) I think our landlords/friends enriched our lives and I have fond memories of them. Dear people.
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March 18, 2008 at 8:54 AM #172282Participant
JP, please don’t tell me it takes a village.
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March 18, 2008 at 2:45 PM #172507Participant
You know, at first I wasn’t even sure what your comment was regarding. I never really followed that or read it or anything and since I don’t have kids, I don’t have an interest or even a burning desire to read it.
I would have to say that people in your children’s lives will influence them, family, friends, teachers, etc. That’s an obvious given. The topic was more renting versus buying and my point was that whether it was renting or buying, far more greater things are important to children.
Looking back, I couldn’t care less whether my parents owned or rented, which they did both. I was not affected by that. But I remember people in my life and that was more important to me. I grew up in Brooklyn and trying not to give away my age, we moved out of Brooklyn before it got real bad. Certainly environment will have an impact also, of course.
If you read the thread about Clairemont guy in CV, cyphire is moving to Madison, Wisconsin. People w/kids have a lot to consider. But my honest opinion, renting a place doesn’t really make a difference.
I know someone who owns a really nice house in Mission Hills that is rented out. They want their kids to go to a better school. They rent in La Jolla. They did the math and figured cheaper than private, better school. Does it make them bad parents b/c they rent. Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
-
March 18, 2008 at 8:53 PM #172688Guest
Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
Ok, but what you guys are failing to take into consideration is that renting is not a stable situation. You never know what could happen, or when, that could cause the owner to make you move. When that happens, your kids may have to leave their friends and even school. Not a good situation for the kids that aren’t ready to move.
-
March 18, 2008 at 8:53 PM #173028Guest
Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
Ok, but what you guys are failing to take into consideration is that renting is not a stable situation. You never know what could happen, or when, that could cause the owner to make you move. When that happens, your kids may have to leave their friends and even school. Not a good situation for the kids that aren’t ready to move.
-
March 18, 2008 at 8:53 PM #173030Guest
Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
Ok, but what you guys are failing to take into consideration is that renting is not a stable situation. You never know what could happen, or when, that could cause the owner to make you move. When that happens, your kids may have to leave their friends and even school. Not a good situation for the kids that aren’t ready to move.
-
March 18, 2008 at 8:53 PM #173052Guest
Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
Ok, but what you guys are failing to take into consideration is that renting is not a stable situation. You never know what could happen, or when, that could cause the owner to make you move. When that happens, your kids may have to leave their friends and even school. Not a good situation for the kids that aren’t ready to move.
-
March 18, 2008 at 8:53 PM #173133Guest
Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
Ok, but what you guys are failing to take into consideration is that renting is not a stable situation. You never know what could happen, or when, that could cause the owner to make you move. When that happens, your kids may have to leave their friends and even school. Not a good situation for the kids that aren’t ready to move.
-
March 18, 2008 at 2:45 PM #172841Participant
You know, at first I wasn’t even sure what your comment was regarding. I never really followed that or read it or anything and since I don’t have kids, I don’t have an interest or even a burning desire to read it.
I would have to say that people in your children’s lives will influence them, family, friends, teachers, etc. That’s an obvious given. The topic was more renting versus buying and my point was that whether it was renting or buying, far more greater things are important to children.
Looking back, I couldn’t care less whether my parents owned or rented, which they did both. I was not affected by that. But I remember people in my life and that was more important to me. I grew up in Brooklyn and trying not to give away my age, we moved out of Brooklyn before it got real bad. Certainly environment will have an impact also, of course.
If you read the thread about Clairemont guy in CV, cyphire is moving to Madison, Wisconsin. People w/kids have a lot to consider. But my honest opinion, renting a place doesn’t really make a difference.
I know someone who owns a really nice house in Mission Hills that is rented out. They want their kids to go to a better school. They rent in La Jolla. They did the math and figured cheaper than private, better school. Does it make them bad parents b/c they rent. Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
-
March 18, 2008 at 2:45 PM #172847Participant
You know, at first I wasn’t even sure what your comment was regarding. I never really followed that or read it or anything and since I don’t have kids, I don’t have an interest or even a burning desire to read it.
I would have to say that people in your children’s lives will influence them, family, friends, teachers, etc. That’s an obvious given. The topic was more renting versus buying and my point was that whether it was renting or buying, far more greater things are important to children.
Looking back, I couldn’t care less whether my parents owned or rented, which they did both. I was not affected by that. But I remember people in my life and that was more important to me. I grew up in Brooklyn and trying not to give away my age, we moved out of Brooklyn before it got real bad. Certainly environment will have an impact also, of course.
If you read the thread about Clairemont guy in CV, cyphire is moving to Madison, Wisconsin. People w/kids have a lot to consider. But my honest opinion, renting a place doesn’t really make a difference.
I know someone who owns a really nice house in Mission Hills that is rented out. They want their kids to go to a better school. They rent in La Jolla. They did the math and figured cheaper than private, better school. Does it make them bad parents b/c they rent. Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
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March 18, 2008 at 2:45 PM #172867Participant
You know, at first I wasn’t even sure what your comment was regarding. I never really followed that or read it or anything and since I don’t have kids, I don’t have an interest or even a burning desire to read it.
I would have to say that people in your children’s lives will influence them, family, friends, teachers, etc. That’s an obvious given. The topic was more renting versus buying and my point was that whether it was renting or buying, far more greater things are important to children.
Looking back, I couldn’t care less whether my parents owned or rented, which they did both. I was not affected by that. But I remember people in my life and that was more important to me. I grew up in Brooklyn and trying not to give away my age, we moved out of Brooklyn before it got real bad. Certainly environment will have an impact also, of course.
If you read the thread about Clairemont guy in CV, cyphire is moving to Madison, Wisconsin. People w/kids have a lot to consider. But my honest opinion, renting a place doesn’t really make a difference.
I know someone who owns a really nice house in Mission Hills that is rented out. They want their kids to go to a better school. They rent in La Jolla. They did the math and figured cheaper than private, better school. Does it make them bad parents b/c they rent. Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
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March 18, 2008 at 2:45 PM #172946Participant
You know, at first I wasn’t even sure what your comment was regarding. I never really followed that or read it or anything and since I don’t have kids, I don’t have an interest or even a burning desire to read it.
I would have to say that people in your children’s lives will influence them, family, friends, teachers, etc. That’s an obvious given. The topic was more renting versus buying and my point was that whether it was renting or buying, far more greater things are important to children.
Looking back, I couldn’t care less whether my parents owned or rented, which they did both. I was not affected by that. But I remember people in my life and that was more important to me. I grew up in Brooklyn and trying not to give away my age, we moved out of Brooklyn before it got real bad. Certainly environment will have an impact also, of course.
If you read the thread about Clairemont guy in CV, cyphire is moving to Madison, Wisconsin. People w/kids have a lot to consider. But my honest opinion, renting a place doesn’t really make a difference.
I know someone who owns a really nice house in Mission Hills that is rented out. They want their kids to go to a better school. They rent in La Jolla. They did the math and figured cheaper than private, better school. Does it make them bad parents b/c they rent. Do their kids care if they live in the rented house versus the owned? I doubt it. Probably care more about showing their dad tricks on their skateboard.
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March 18, 2008 at 8:54 AM #172614Participant
JP, please don’t tell me it takes a village.
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March 18, 2008 at 8:54 AM #172620Participant
JP, please don’t tell me it takes a village.
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March 18, 2008 at 8:54 AM #172638Participant
JP, please don’t tell me it takes a village.
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March 18, 2008 at 8:54 AM #172721Participant
JP, please don’t tell me it takes a village.
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March 18, 2008 at 8:19 AM #172590Participant
This got me thinking back. The second place my parents rented was a two-family home. The landlords become very close friends w/my parents. The lady babysat us regularly. She had no kids and she love us kids. My parents stayed in touch ever since, no matter where we moved. My mom was very close to the lady and she recently went to the husband’s funeral. My brother went too. They’re all back east. I probably would’ve gone if I were there. Maybe those were different times. I don’t know. Don’t want to date myself (my psychologist told me to date other people) I think our landlords/friends enriched our lives and I have fond memories of them. Dear people.
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March 18, 2008 at 8:19 AM #172594Participant
This got me thinking back. The second place my parents rented was a two-family home. The landlords become very close friends w/my parents. The lady babysat us regularly. She had no kids and she love us kids. My parents stayed in touch ever since, no matter where we moved. My mom was very close to the lady and she recently went to the husband’s funeral. My brother went too. They’re all back east. I probably would’ve gone if I were there. Maybe those were different times. I don’t know. Don’t want to date myself (my psychologist told me to date other people) I think our landlords/friends enriched our lives and I have fond memories of them. Dear people.
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March 18, 2008 at 8:19 AM #172615Participant
This got me thinking back. The second place my parents rented was a two-family home. The landlords become very close friends w/my parents. The lady babysat us regularly. She had no kids and she love us kids. My parents stayed in touch ever since, no matter where we moved. My mom was very close to the lady and she recently went to the husband’s funeral. My brother went too. They’re all back east. I probably would’ve gone if I were there. Maybe those were different times. I don’t know. Don’t want to date myself (my psychologist told me to date other people) I think our landlords/friends enriched our lives and I have fond memories of them. Dear people.
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March 18, 2008 at 8:19 AM #172694Participant
This got me thinking back. The second place my parents rented was a two-family home. The landlords become very close friends w/my parents. The lady babysat us regularly. She had no kids and she love us kids. My parents stayed in touch ever since, no matter where we moved. My mom was very close to the lady and she recently went to the husband’s funeral. My brother went too. They’re all back east. I probably would’ve gone if I were there. Maybe those were different times. I don’t know. Don’t want to date myself (my psychologist told me to date other people) I think our landlords/friends enriched our lives and I have fond memories of them. Dear people.
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March 18, 2008 at 7:57 AM #172550Participant
I am the 3rd of 4 and was born in a 2 bedroom duplex off Nimitz in Point Loma. When I was 5 we moved to an 1100 Sq Ft mansion where I lived until I left for college.
I was in Africa last month. Families of 6-8 people live in 200-300 sq ft shacks and seem to function exceptionally well (aside from AIDS and Malaria).
Point is, and to pile onto the family thing, size doesn’t matter. I have never heard a kid say they felt responsible for the fact that they live in a small house. I do hear them say they felt responsible for a divorce. The only thing that matters to a kid is a loving, nourishing family.
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March 18, 2008 at 7:57 AM #172556Participant
I am the 3rd of 4 and was born in a 2 bedroom duplex off Nimitz in Point Loma. When I was 5 we moved to an 1100 Sq Ft mansion where I lived until I left for college.
I was in Africa last month. Families of 6-8 people live in 200-300 sq ft shacks and seem to function exceptionally well (aside from AIDS and Malaria).
Point is, and to pile onto the family thing, size doesn’t matter. I have never heard a kid say they felt responsible for the fact that they live in a small house. I do hear them say they felt responsible for a divorce. The only thing that matters to a kid is a loving, nourishing family.
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March 18, 2008 at 7:57 AM #172577Participant
I am the 3rd of 4 and was born in a 2 bedroom duplex off Nimitz in Point Loma. When I was 5 we moved to an 1100 Sq Ft mansion where I lived until I left for college.
I was in Africa last month. Families of 6-8 people live in 200-300 sq ft shacks and seem to function exceptionally well (aside from AIDS and Malaria).
Point is, and to pile onto the family thing, size doesn’t matter. I have never heard a kid say they felt responsible for the fact that they live in a small house. I do hear them say they felt responsible for a divorce. The only thing that matters to a kid is a loving, nourishing family.
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March 18, 2008 at 7:57 AM #172655Participant
I am the 3rd of 4 and was born in a 2 bedroom duplex off Nimitz in Point Loma. When I was 5 we moved to an 1100 Sq Ft mansion where I lived until I left for college.
I was in Africa last month. Families of 6-8 people live in 200-300 sq ft shacks and seem to function exceptionally well (aside from AIDS and Malaria).
Point is, and to pile onto the family thing, size doesn’t matter. I have never heard a kid say they felt responsible for the fact that they live in a small house. I do hear them say they felt responsible for a divorce. The only thing that matters to a kid is a loving, nourishing family.
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March 18, 2008 at 7:29 AM #172536Participant
My parents had 3 kids. I was the oldest. My parents bought a house when I was 9. They sold when I was 12. We rented again until I was 16. I think it more important to have a stable household, attentive, caring and loving parents. It didn’t matter to me that we were renting. That was not a factor at all. When you’re a kid, there are so many other things that are important. A house may be important to a parent, but kids care if you are part of their lives and support them, teach them to ride a bike, come to their football game, music class, etc.
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March 18, 2008 at 7:29 AM #172541Participant
My parents had 3 kids. I was the oldest. My parents bought a house when I was 9. They sold when I was 12. We rented again until I was 16. I think it more important to have a stable household, attentive, caring and loving parents. It didn’t matter to me that we were renting. That was not a factor at all. When you’re a kid, there are so many other things that are important. A house may be important to a parent, but kids care if you are part of their lives and support them, teach them to ride a bike, come to their football game, music class, etc.
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March 18, 2008 at 7:29 AM #172560Participant
My parents had 3 kids. I was the oldest. My parents bought a house when I was 9. They sold when I was 12. We rented again until I was 16. I think it more important to have a stable household, attentive, caring and loving parents. It didn’t matter to me that we were renting. That was not a factor at all. When you’re a kid, there are so many other things that are important. A house may be important to a parent, but kids care if you are part of their lives and support them, teach them to ride a bike, come to their football game, music class, etc.
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March 18, 2008 at 7:29 AM #172639Participant
My parents had 3 kids. I was the oldest. My parents bought a house when I was 9. They sold when I was 12. We rented again until I was 16. I think it more important to have a stable household, attentive, caring and loving parents. It didn’t matter to me that we were renting. That was not a factor at all. When you’re a kid, there are so many other things that are important. A house may be important to a parent, but kids care if you are part of their lives and support them, teach them to ride a bike, come to their football game, music class, etc.
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March 17, 2008 at 10:22 PM #172378Guest
Hmmm, what did I forget? I know! I know!
How ‘about, there was an “electric horse” involved and Cher didn’t sound too hot.
hehehe
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March 17, 2008 at 10:22 PM #172383Guest
Hmmm, what did I forget? I know! I know!
How ‘about, there was an “electric horse” involved and Cher didn’t sound too hot.
hehehe
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March 17, 2008 at 10:22 PM #172403Guest
Hmmm, what did I forget? I know! I know!
How ‘about, there was an “electric horse” involved and Cher didn’t sound too hot.
hehehe
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March 17, 2008 at 10:22 PM #172484Guest
Hmmm, what did I forget? I know! I know!
How ‘about, there was an “electric horse” involved and Cher didn’t sound too hot.
hehehe
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March 17, 2008 at 8:56 PM #172333Participant
Marion,
You have a memory like an elephant, and such a sense of humor, I guess that’s what makes you so endearing! -
March 17, 2008 at 8:56 PM #172341Participant
Marion,
You have a memory like an elephant, and such a sense of humor, I guess that’s what makes you so endearing! -
March 17, 2008 at 8:56 PM #172358Participant
Marion,
You have a memory like an elephant, and such a sense of humor, I guess that’s what makes you so endearing! -
March 17, 2008 at 8:56 PM #172440Participant
Marion,
You have a memory like an elephant, and such a sense of humor, I guess that’s what makes you so endearing! -
March 17, 2008 at 3:39 PM #172115Guest
Submitted by novice1027 on March 16, 2008 – 11:14am.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
Ahh, novice…The above comment is from the woman who got royally turned on by the flouncing, gallivanting buttocks of Cher’s very gay dancers.
Jane, if you’re real, my sincerest apologies.
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March 17, 2008 at 3:39 PM #172119Guest
Submitted by novice1027 on March 16, 2008 – 11:14am.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
Ahh, novice…The above comment is from the woman who got royally turned on by the flouncing, gallivanting buttocks of Cher’s very gay dancers.
Jane, if you’re real, my sincerest apologies.
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March 17, 2008 at 3:39 PM #172141Guest
Submitted by novice1027 on March 16, 2008 – 11:14am.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
Ahh, novice…The above comment is from the woman who got royally turned on by the flouncing, gallivanting buttocks of Cher’s very gay dancers.
Jane, if you’re real, my sincerest apologies.
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March 17, 2008 at 3:39 PM #172218Guest
Submitted by novice1027 on March 16, 2008 – 11:14am.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
Ahh, novice…The above comment is from the woman who got royally turned on by the flouncing, gallivanting buttocks of Cher’s very gay dancers.
Jane, if you’re real, my sincerest apologies.
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March 16, 2008 at 11:14 AM #171145Participant
HelloKitty,
I say if the house is where you want, and it is well within your means, buy it. Even if it drops, it will go back up at some point, maybe a long time, but if you plan on keeping it, it dosen’t matter.
I bought my house back in 1991, when the market was on its way down, but I did not have the luxory of Pigginton’s, so I had know idea. We paid in the $180’s for the house that promptly dropped into the $130’s, and I thought it was the end of the world. My payment has remained the same, all of the 17 years, and I know live in a house that is close to being paid off, and the payment is less that $800/month. I am like you, in that we will NEVER sell this house. I will always have it as a rental or a backup, in case some unforeseen life event happens we will always have a place to live, where the taxes won’t kill us and the house will be paid for, and to me that is the biggest comfort in the world. Now we are in the position when the market does settle down, we can buy up. So I don’t always thinks it’s about timing the market, it has to fit into your lifestyle as well.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile! -
March 16, 2008 at 11:14 AM #171151Participant
HelloKitty,
I say if the house is where you want, and it is well within your means, buy it. Even if it drops, it will go back up at some point, maybe a long time, but if you plan on keeping it, it dosen’t matter.
I bought my house back in 1991, when the market was on its way down, but I did not have the luxory of Pigginton’s, so I had know idea. We paid in the $180’s for the house that promptly dropped into the $130’s, and I thought it was the end of the world. My payment has remained the same, all of the 17 years, and I know live in a house that is close to being paid off, and the payment is less that $800/month. I am like you, in that we will NEVER sell this house. I will always have it as a rental or a backup, in case some unforeseen life event happens we will always have a place to live, where the taxes won’t kill us and the house will be paid for, and to me that is the biggest comfort in the world. Now we are in the position when the market does settle down, we can buy up. So I don’t always thinks it’s about timing the market, it has to fit into your lifestyle as well.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile! -
March 16, 2008 at 11:14 AM #171169Participant
HelloKitty,
I say if the house is where you want, and it is well within your means, buy it. Even if it drops, it will go back up at some point, maybe a long time, but if you plan on keeping it, it dosen’t matter.
I bought my house back in 1991, when the market was on its way down, but I did not have the luxory of Pigginton’s, so I had know idea. We paid in the $180’s for the house that promptly dropped into the $130’s, and I thought it was the end of the world. My payment has remained the same, all of the 17 years, and I know live in a house that is close to being paid off, and the payment is less that $800/month. I am like you, in that we will NEVER sell this house. I will always have it as a rental or a backup, in case some unforeseen life event happens we will always have a place to live, where the taxes won’t kill us and the house will be paid for, and to me that is the biggest comfort in the world. Now we are in the position when the market does settle down, we can buy up. So I don’t always thinks it’s about timing the market, it has to fit into your lifestyle as well.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile! -
March 16, 2008 at 11:14 AM #171249Participant
HelloKitty,
I say if the house is where you want, and it is well within your means, buy it. Even if it drops, it will go back up at some point, maybe a long time, but if you plan on keeping it, it dosen’t matter.
I bought my house back in 1991, when the market was on its way down, but I did not have the luxory of Pigginton’s, so I had know idea. We paid in the $180’s for the house that promptly dropped into the $130’s, and I thought it was the end of the world. My payment has remained the same, all of the 17 years, and I know live in a house that is close to being paid off, and the payment is less that $800/month. I am like you, in that we will NEVER sell this house. I will always have it as a rental or a backup, in case some unforeseen life event happens we will always have a place to live, where the taxes won’t kill us and the house will be paid for, and to me that is the biggest comfort in the world. Now we are in the position when the market does settle down, we can buy up. So I don’t always thinks it’s about timing the market, it has to fit into your lifestyle as well.
And on a side, just ignore Marion, she is just hating because there is another women on this site that is getting more attention than she has for awhile!
-
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March 16, 2008 at 10:55 AM #171130Participant
Just saw this on sdlookup
I have a little story here.
So we have a very good and trustworth Realtor. Also a Loan Officer. Both whom my parents have used for a long time. The Loan Officer is a family friend so I have no worries in these departments……
I have a little story here
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March 16, 2008 at 10:55 AM #171135Participant
Just saw this on sdlookup
I have a little story here.
So we have a very good and trustworth Realtor. Also a Loan Officer. Both whom my parents have used for a long time. The Loan Officer is a family friend so I have no worries in these departments……
I have a little story here
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March 16, 2008 at 10:55 AM #171154Participant
Just saw this on sdlookup
I have a little story here.
So we have a very good and trustworth Realtor. Also a Loan Officer. Both whom my parents have used for a long time. The Loan Officer is a family friend so I have no worries in these departments……
I have a little story here
-
March 16, 2008 at 10:55 AM #171234Participant
Just saw this on sdlookup
I have a little story here.
So we have a very good and trustworth Realtor. Also a Loan Officer. Both whom my parents have used for a long time. The Loan Officer is a family friend so I have no worries in these departments……
I have a little story here
-
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March 14, 2008 at 11:04 PM #170268Guest
By all means buy a house. As Marion implies, any child who can’t depend on their parents to provide a stable home because the family is renting needs all the help they can get. If Mom and Dad feel that they are failures because they are renting,…well, just how screwed up is that kid going to be? It’s far better to make any sacrifice you must to provide a house for a newborn baby because you know how often those latent childhood memories twist around and make them hate their parents!
Since the current level of home ownership is unprecedented, I’d guess up to a third of the readers grew up while their parents rented,…and look at what a miserable bunch they are. By the way, don’t forget the designer clothes for the baby, you want your child to start off on top in the status game. -
March 14, 2008 at 11:04 PM #170274Guest
By all means buy a house. As Marion implies, any child who can’t depend on their parents to provide a stable home because the family is renting needs all the help they can get. If Mom and Dad feel that they are failures because they are renting,…well, just how screwed up is that kid going to be? It’s far better to make any sacrifice you must to provide a house for a newborn baby because you know how often those latent childhood memories twist around and make them hate their parents!
Since the current level of home ownership is unprecedented, I’d guess up to a third of the readers grew up while their parents rented,…and look at what a miserable bunch they are. By the way, don’t forget the designer clothes for the baby, you want your child to start off on top in the status game. -
March 14, 2008 at 11:04 PM #170297Guest
By all means buy a house. As Marion implies, any child who can’t depend on their parents to provide a stable home because the family is renting needs all the help they can get. If Mom and Dad feel that they are failures because they are renting,…well, just how screwed up is that kid going to be? It’s far better to make any sacrifice you must to provide a house for a newborn baby because you know how often those latent childhood memories twist around and make them hate their parents!
Since the current level of home ownership is unprecedented, I’d guess up to a third of the readers grew up while their parents rented,…and look at what a miserable bunch they are. By the way, don’t forget the designer clothes for the baby, you want your child to start off on top in the status game. -
March 14, 2008 at 11:04 PM #170372Guest
By all means buy a house. As Marion implies, any child who can’t depend on their parents to provide a stable home because the family is renting needs all the help they can get. If Mom and Dad feel that they are failures because they are renting,…well, just how screwed up is that kid going to be? It’s far better to make any sacrifice you must to provide a house for a newborn baby because you know how often those latent childhood memories twist around and make them hate their parents!
Since the current level of home ownership is unprecedented, I’d guess up to a third of the readers grew up while their parents rented,…and look at what a miserable bunch they are. By the way, don’t forget the designer clothes for the baby, you want your child to start off on top in the status game. -
March 15, 2008 at 2:33 PM #170224Participant
As a wife whose's husband is the CTO of a porn company in L.A. who's eballed figure makes $250k/year, is looking to buy a home in Murietta for $300k and change. That's a pretty long commute to L.A. Why are you wanting to live in Murietta, out of all places.
(No offense to residence of Murietta). It just doesn't seem to make sense in this particular arrangement when work is in L.A.
If it's because the "hubby isn't around much down here, and I like it here"…humm. I'd think again about living closer to where hubby works,especially being that hubby works in the porn industry 🙂
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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March 16, 2008 at 8:28 AM #170646
svelteParticipantWe could be dealing with a Scandinavian cave dweller here, but I doubt it.
To get back to her original question, she asked if she should make an offer on the short sale.
We didn’t learn the very interesting (and fun to read!) details of her life until she started defending her position…she pointed out hubby’s salary…someone asked how that is possible…and she stated the industry involved…FLU questions why Murrieta would be considered…well she’s already explained that: two doors down from bro and his pregnant wife. Makes sense to me. She’s prolly sick of living in a 2 BR rented condo in LA with no close friends or relatives nearby.
Jane, I would say go ahead and make the offer. As I’m sure you’re well aware from reading this board, it could take a looonnng time to work things out with the lender but you’re already renting so time is not an issue with you.
One thing that does concern me though: either hubby just started making $250K or you two should have quite a chunk-o-change saved up….renting a 2BR condo shouldn’t cost more than $36K a year so after taxes, food, car payment and all that should leave you with well over $100K a year free and clear. Either you can put down one massive down payment, the excess income has been squandered, or he just started making $250K. If he just started making it, then I would encourage you to hold off until it is obvious the salary and job will be long term.
As to your other question, Jane, would I can a realtor who didn’t even bother to call the other realtor to find the real scoop on why the price was set the way it was? Yeah, I would say that realtor should be canned with a full explanation as to why.
And I’m not sure why people who don’t like the subjects that come up in this thread continue to read it – just breeze on by if it’s not your cup of tea!
From what she has described, her life is actually very tame with the exception of the content of the videos of the company her hubby works for. Life gets much more wild than that, people. Trust me.
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March 16, 2008 at 8:28 AM #170979svelteParticipant
We could be dealing with a Scandinavian cave dweller here, but I doubt it.
To get back to her original question, she asked if she should make an offer on the short sale.
We didn’t learn the very interesting (and fun to read!) details of her life until she started defending her position…she pointed out hubby’s salary…someone asked how that is possible…and she stated the industry involved…FLU questions why Murrieta would be considered…well she’s already explained that: two doors down from bro and his pregnant wife. Makes sense to me. She’s prolly sick of living in a 2 BR rented condo in LA with no close friends or relatives nearby.
Jane, I would say go ahead and make the offer. As I’m sure you’re well aware from reading this board, it could take a looonnng time to work things out with the lender but you’re already renting so time is not an issue with you.
One thing that does concern me though: either hubby just started making $250K or you two should have quite a chunk-o-change saved up….renting a 2BR condo shouldn’t cost more than $36K a year so after taxes, food, car payment and all that should leave you with well over $100K a year free and clear. Either you can put down one massive down payment, the excess income has been squandered, or he just started making $250K. If he just started making it, then I would encourage you to hold off until it is obvious the salary and job will be long term.
As to your other question, Jane, would I can a realtor who didn’t even bother to call the other realtor to find the real scoop on why the price was set the way it was? Yeah, I would say that realtor should be canned with a full explanation as to why.
And I’m not sure why people who don’t like the subjects that come up in this thread continue to read it – just breeze on by if it’s not your cup of tea!
From what she has described, her life is actually very tame with the exception of the content of the videos of the company her hubby works for. Life gets much more wild than that, people. Trust me.
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March 16, 2008 at 8:28 AM #170985svelteParticipant
We could be dealing with a Scandinavian cave dweller here, but I doubt it.
To get back to her original question, she asked if she should make an offer on the short sale.
We didn’t learn the very interesting (and fun to read!) details of her life until she started defending her position…she pointed out hubby’s salary…someone asked how that is possible…and she stated the industry involved…FLU questions why Murrieta would be considered…well she’s already explained that: two doors down from bro and his pregnant wife. Makes sense to me. She’s prolly sick of living in a 2 BR rented condo in LA with no close friends or relatives nearby.
Jane, I would say go ahead and make the offer. As I’m sure you’re well aware from reading this board, it could take a looonnng time to work things out with the lender but you’re already renting so time is not an issue with you.
One thing that does concern me though: either hubby just started making $250K or you two should have quite a chunk-o-change saved up….renting a 2BR condo shouldn’t cost more than $36K a year so after taxes, food, car payment and all that should leave you with well over $100K a year free and clear. Either you can put down one massive down payment, the excess income has been squandered, or he just started making $250K. If he just started making it, then I would encourage you to hold off until it is obvious the salary and job will be long term.
As to your other question, Jane, would I can a realtor who didn’t even bother to call the other realtor to find the real scoop on why the price was set the way it was? Yeah, I would say that realtor should be canned with a full explanation as to why.
And I’m not sure why people who don’t like the subjects that come up in this thread continue to read it – just breeze on by if it’s not your cup of tea!
From what she has described, her life is actually very tame with the exception of the content of the videos of the company her hubby works for. Life gets much more wild than that, people. Trust me.
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March 16, 2008 at 8:28 AM #171006svelteParticipant
We could be dealing with a Scandinavian cave dweller here, but I doubt it.
To get back to her original question, she asked if she should make an offer on the short sale.
We didn’t learn the very interesting (and fun to read!) details of her life until she started defending her position…she pointed out hubby’s salary…someone asked how that is possible…and she stated the industry involved…FLU questions why Murrieta would be considered…well she’s already explained that: two doors down from bro and his pregnant wife. Makes sense to me. She’s prolly sick of living in a 2 BR rented condo in LA with no close friends or relatives nearby.
Jane, I would say go ahead and make the offer. As I’m sure you’re well aware from reading this board, it could take a looonnng time to work things out with the lender but you’re already renting so time is not an issue with you.
One thing that does concern me though: either hubby just started making $250K or you two should have quite a chunk-o-change saved up….renting a 2BR condo shouldn’t cost more than $36K a year so after taxes, food, car payment and all that should leave you with well over $100K a year free and clear. Either you can put down one massive down payment, the excess income has been squandered, or he just started making $250K. If he just started making it, then I would encourage you to hold off until it is obvious the salary and job will be long term.
As to your other question, Jane, would I can a realtor who didn’t even bother to call the other realtor to find the real scoop on why the price was set the way it was? Yeah, I would say that realtor should be canned with a full explanation as to why.
And I’m not sure why people who don’t like the subjects that come up in this thread continue to read it – just breeze on by if it’s not your cup of tea!
From what she has described, her life is actually very tame with the exception of the content of the videos of the company her hubby works for. Life gets much more wild than that, people. Trust me.
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March 16, 2008 at 8:28 AM #171083svelteParticipant
We could be dealing with a Scandinavian cave dweller here, but I doubt it.
To get back to her original question, she asked if she should make an offer on the short sale.
We didn’t learn the very interesting (and fun to read!) details of her life until she started defending her position…she pointed out hubby’s salary…someone asked how that is possible…and she stated the industry involved…FLU questions why Murrieta would be considered…well she’s already explained that: two doors down from bro and his pregnant wife. Makes sense to me. She’s prolly sick of living in a 2 BR rented condo in LA with no close friends or relatives nearby.
Jane, I would say go ahead and make the offer. As I’m sure you’re well aware from reading this board, it could take a looonnng time to work things out with the lender but you’re already renting so time is not an issue with you.
One thing that does concern me though: either hubby just started making $250K or you two should have quite a chunk-o-change saved up….renting a 2BR condo shouldn’t cost more than $36K a year so after taxes, food, car payment and all that should leave you with well over $100K a year free and clear. Either you can put down one massive down payment, the excess income has been squandered, or he just started making $250K. If he just started making it, then I would encourage you to hold off until it is obvious the salary and job will be long term.
As to your other question, Jane, would I can a realtor who didn’t even bother to call the other realtor to find the real scoop on why the price was set the way it was? Yeah, I would say that realtor should be canned with a full explanation as to why.
And I’m not sure why people who don’t like the subjects that come up in this thread continue to read it – just breeze on by if it’s not your cup of tea!
From what she has described, her life is actually very tame with the exception of the content of the videos of the company her hubby works for. Life gets much more wild than that, people. Trust me.
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March 15, 2008 at 2:33 PM #170554Participant
As a wife whose's husband is the CTO of a porn company in L.A. who's eballed figure makes $250k/year, is looking to buy a home in Murietta for $300k and change. That's a pretty long commute to L.A. Why are you wanting to live in Murietta, out of all places.
(No offense to residence of Murietta). It just doesn't seem to make sense in this particular arrangement when work is in L.A.
If it's because the "hubby isn't around much down here, and I like it here"…humm. I'd think again about living closer to where hubby works,especially being that hubby works in the porn industry 🙂
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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March 15, 2008 at 2:33 PM #170557Participant
As a wife whose's husband is the CTO of a porn company in L.A. who's eballed figure makes $250k/year, is looking to buy a home in Murietta for $300k and change. That's a pretty long commute to L.A. Why are you wanting to live in Murietta, out of all places.
(No offense to residence of Murietta). It just doesn't seem to make sense in this particular arrangement when work is in L.A.
If it's because the "hubby isn't around much down here, and I like it here"…humm. I'd think again about living closer to where hubby works,especially being that hubby works in the porn industry 🙂
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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March 15, 2008 at 2:33 PM #170584Participant
As a wife whose's husband is the CTO of a porn company in L.A. who's eballed figure makes $250k/year, is looking to buy a home in Murietta for $300k and change. That's a pretty long commute to L.A. Why are you wanting to live in Murietta, out of all places.
(No offense to residence of Murietta). It just doesn't seem to make sense in this particular arrangement when work is in L.A.
If it's because the "hubby isn't around much down here, and I like it here"…humm. I'd think again about living closer to where hubby works,especially being that hubby works in the porn industry 🙂
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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March 15, 2008 at 2:33 PM #170658Participant
As a wife whose's husband is the CTO of a porn company in L.A. who's eballed figure makes $250k/year, is looking to buy a home in Murietta for $300k and change. That's a pretty long commute to L.A. Why are you wanting to live in Murietta, out of all places.
(No offense to residence of Murietta). It just doesn't seem to make sense in this particular arrangement when work is in L.A.
If it's because the "hubby isn't around much down here, and I like it here"…humm. I'd think again about living closer to where hubby works,especially being that hubby works in the porn industry 🙂
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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March 17, 2008 at 6:42 PM #171957
North County Native
ParticipantWow Jane,
I guess you couldn’t live my life. 3 kids before 30, renting a 3 bedroom apartment. My husband is going to school for his Master’s degree in Computer Science and I’m so proud of him for it. He is a genius as well but Thank God he is not into the porn industry. He has a respectable job. Also, our first child was born into a small one bedroom apartment. If you asked her, she’d tell you that she’s glad that her mommy and daddy decided to have a baby when they did.Isn’t it ironic – you’d probably think we are trashy and we’d think you are trashy!
At least when my 5 year old was getting stitches and screaming, he didn’t yell out the f word or any other profanity….. the doctor in the e.r. mentioned this to us. The kids who have parents that cuss are the ones who do it there. Interesting…. Good luck and I’m glad you aren’t my neighbor.
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March 17, 2008 at 6:42 PM #172289Participant
Wow Jane,
I guess you couldn’t live my life. 3 kids before 30, renting a 3 bedroom apartment. My husband is going to school for his Master’s degree in Computer Science and I’m so proud of him for it. He is a genius as well but Thank God he is not into the porn industry. He has a respectable job. Also, our first child was born into a small one bedroom apartment. If you asked her, she’d tell you that she’s glad that her mommy and daddy decided to have a baby when they did.Isn’t it ironic – you’d probably think we are trashy and we’d think you are trashy!
At least when my 5 year old was getting stitches and screaming, he didn’t yell out the f word or any other profanity….. the doctor in the e.r. mentioned this to us. The kids who have parents that cuss are the ones who do it there. Interesting…. Good luck and I’m glad you aren’t my neighbor.
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March 17, 2008 at 6:42 PM #172295Participant
Wow Jane,
I guess you couldn’t live my life. 3 kids before 30, renting a 3 bedroom apartment. My husband is going to school for his Master’s degree in Computer Science and I’m so proud of him for it. He is a genius as well but Thank God he is not into the porn industry. He has a respectable job. Also, our first child was born into a small one bedroom apartment. If you asked her, she’d tell you that she’s glad that her mommy and daddy decided to have a baby when they did.Isn’t it ironic – you’d probably think we are trashy and we’d think you are trashy!
At least when my 5 year old was getting stitches and screaming, he didn’t yell out the f word or any other profanity….. the doctor in the e.r. mentioned this to us. The kids who have parents that cuss are the ones who do it there. Interesting…. Good luck and I’m glad you aren’t my neighbor.
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March 17, 2008 at 6:42 PM #172315Participant
Wow Jane,
I guess you couldn’t live my life. 3 kids before 30, renting a 3 bedroom apartment. My husband is going to school for his Master’s degree in Computer Science and I’m so proud of him for it. He is a genius as well but Thank God he is not into the porn industry. He has a respectable job. Also, our first child was born into a small one bedroom apartment. If you asked her, she’d tell you that she’s glad that her mommy and daddy decided to have a baby when they did.Isn’t it ironic – you’d probably think we are trashy and we’d think you are trashy!
At least when my 5 year old was getting stitches and screaming, he didn’t yell out the f word or any other profanity….. the doctor in the e.r. mentioned this to us. The kids who have parents that cuss are the ones who do it there. Interesting…. Good luck and I’m glad you aren’t my neighbor.
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March 17, 2008 at 6:42 PM #172395Participant
Wow Jane,
I guess you couldn’t live my life. 3 kids before 30, renting a 3 bedroom apartment. My husband is going to school for his Master’s degree in Computer Science and I’m so proud of him for it. He is a genius as well but Thank God he is not into the porn industry. He has a respectable job. Also, our first child was born into a small one bedroom apartment. If you asked her, she’d tell you that she’s glad that her mommy and daddy decided to have a baby when they did.Isn’t it ironic – you’d probably think we are trashy and we’d think you are trashy!
At least when my 5 year old was getting stitches and screaming, he didn’t yell out the f word or any other profanity….. the doctor in the e.r. mentioned this to us. The kids who have parents that cuss are the ones who do it there. Interesting…. Good luck and I’m glad you aren’t my neighbor.
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