should I buy in temecula

[CA renter]

Just one more thing…

I’m not here to sell homeschooling. Some kids do extremely well with homeschooling, and some don’t — just like with regular schooling. Some parents love it, and others hate it. It’s a personal decision, and I’m not at all saying that one way is better than the other. It’s just that homeschoolers tend to get a bit (too) defensive when the “socialization” issue is brought up, because most homeschooled kids are very well socialized, even if they are non-conformists. 😉

[scaredyclassic]

My kids are extraordinarily well socialized homeschoolers. I also believe with obviously no evidence that they are closer to one another than they wouldve been had they prison schooled.

[scaredyclassic]

My kids are extraordinarily well socialized homeschoolers. I also believe with obviously no evidence that they are closer to one another than they wouldve been had they prison schooled.

[scaredyclassic]

My kids are extraordinarily well socialized homeschoolers. I also believe with obviously no evidence that they are closer to one another than they wouldve been had they prison schooled.

[scaredyclassic]

My kids are extraordinarily well socialized homeschoolers. I also believe with obviously no evidence that they are closer to one another than they wouldve been had they prison schooled.

[scaredyclassic]

My kids are extraordinarily well socialized homeschoolers. I also believe with obviously no evidence that they are closer to one another than they wouldve been had they prison schooled.

[Ren]

I have nothing against homeschooling, as long as the kids are exposed to others their age. It’s great to expose them to a variety, but peers are important. I also think it’s important that you’re not homeschooling for the wrong reasons, such as paranoia or other personal baggage. I only have one anecdotal experience with homeschoolers. They were Mormons who kept their kids hidden from the evils of the world, which caused them to emerge a little socially inept, but not as bad as you would think. Needless to say, they missed out on a lot.

I do suspect some homeschoolers must have had a terrible experience in school themselves (sorry, prison). I went to good schools, and as I recall, we spent our days learning, not mindlessly conforming, with a few breaks for socializing. My elementary school days were competitive, challenging, and fun. I could have skipped high school and college altogether and been virtually the same person I am today, but I would not have missed those prior years for anything. At that age, it feels good to be in a group of kids, life is about experiencing as much as it is learning, and in my mind, the real prison would be at home with the parents. In hindsight, I would feel cheated if I had missed school. I actually left high school early to go to college, and now regret that decision.

I also disagree with the notion that school is unnatural. It’s been done this way for thousands of years because it is so natural to have the subject matter experts teach/babysit while the parents (who often aren’t educated themselves) work. We’re social animals, so grouping and learning from elders is instinctive. It can also go from being a great thing to a very bad thing if class size gets out of hand.

Sure, there are problems such as bullying, so we need to find solutions, rather than throw out what is mostly a good system. We can start with public education being made a privilege rather than a right. Not that that would be an easy change, or would ever happen in this country.

And then there are the teachers. Being exposed to such a large variety is a good thing. You might have one or two Nazis, but most are good, and a handful are inspiring and remembered fondly for the rest of your life. Talk about good karma.

My $.02.

[Ren]

I have nothing against homeschooling, as long as the kids are exposed to others their age. It’s great to expose them to a variety, but peers are important. I also think it’s important that you’re not homeschooling for the wrong reasons, such as paranoia or other personal baggage. I only have one anecdotal experience with homeschoolers. They were Mormons who kept their kids hidden from the evils of the world, which caused them to emerge a little socially inept, but not as bad as you would think. Needless to say, they missed out on a lot.

I do suspect some homeschoolers must have had a terrible experience in school themselves (sorry, prison). I went to good schools, and as I recall, we spent our days learning, not mindlessly conforming, with a few breaks for socializing. My elementary school days were competitive, challenging, and fun. I could have skipped high school and college altogether and been virtually the same person I am today, but I would not have missed those prior years for anything. At that age, it feels good to be in a group of kids, life is about experiencing as much as it is learning, and in my mind, the real prison would be at home with the parents. In hindsight, I would feel cheated if I had missed school. I actually left high school early to go to college, and now regret that decision.

I also disagree with the notion that school is unnatural. It’s been done this way for thousands of years because it is so natural to have the subject matter experts teach/babysit while the parents (who often aren’t educated themselves) work. We’re social animals, so grouping and learning from elders is instinctive. It can also go from being a great thing to a very bad thing if class size gets out of hand.

Sure, there are problems such as bullying, so we need to find solutions, rather than throw out what is mostly a good system. We can start with public education being made a privilege rather than a right. Not that that would be an easy change, or would ever happen in this country.

And then there are the teachers. Being exposed to such a large variety is a good thing. You might have one or two Nazis, but most are good, and a handful are inspiring and remembered fondly for the rest of your life. Talk about good karma.

My $.02.

[Ren]

I have nothing against homeschooling, as long as the kids are exposed to others their age. It’s great to expose them to a variety, but peers are important. I also think it’s important that you’re not homeschooling for the wrong reasons, such as paranoia or other personal baggage. I only have one anecdotal experience with homeschoolers. They were Mormons who kept their kids hidden from the evils of the world, which caused them to emerge a little socially inept, but not as bad as you would think. Needless to say, they missed out on a lot.

I do suspect some homeschoolers must have had a terrible experience in school themselves (sorry, prison). I went to good schools, and as I recall, we spent our days learning, not mindlessly conforming, with a few breaks for socializing. My elementary school days were competitive, challenging, and fun. I could have skipped high school and college altogether and been virtually the same person I am today, but I would not have missed those prior years for anything. At that age, it feels good to be in a group of kids, life is about experiencing as much as it is learning, and in my mind, the real prison would be at home with the parents. In hindsight, I would feel cheated if I had missed school. I actually left high school early to go to college, and now regret that decision.

I also disagree with the notion that school is unnatural. It’s been done this way for thousands of years because it is so natural to have the subject matter experts teach/babysit while the parents (who often aren’t educated themselves) work. We’re social animals, so grouping and learning from elders is instinctive. It can also go from being a great thing to a very bad thing if class size gets out of hand.

Sure, there are problems such as bullying, so we need to find solutions, rather than throw out what is mostly a good system. We can start with public education being made a privilege rather than a right. Not that that would be an easy change, or would ever happen in this country.

And then there are the teachers. Being exposed to such a large variety is a good thing. You might have one or two Nazis, but most are good, and a handful are inspiring and remembered fondly for the rest of your life. Talk about good karma.

My $.02.

[Ren]

I have nothing against homeschooling, as long as the kids are exposed to others their age. It’s great to expose them to a variety, but peers are important. I also think it’s important that you’re not homeschooling for the wrong reasons, such as paranoia or other personal baggage. I only have one anecdotal experience with homeschoolers. They were Mormons who kept their kids hidden from the evils of the world, which caused them to emerge a little socially inept, but not as bad as you would think. Needless to say, they missed out on a lot.

I do suspect some homeschoolers must have had a terrible experience in school themselves (sorry, prison). I went to good schools, and as I recall, we spent our days learning, not mindlessly conforming, with a few breaks for socializing. My elementary school days were competitive, challenging, and fun. I could have skipped high school and college altogether and been virtually the same person I am today, but I would not have missed those prior years for anything. At that age, it feels good to be in a group of kids, life is about experiencing as much as it is learning, and in my mind, the real prison would be at home with the parents. In hindsight, I would feel cheated if I had missed school. I actually left high school early to go to college, and now regret that decision.

I also disagree with the notion that school is unnatural. It’s been done this way for thousands of years because it is so natural to have the subject matter experts teach/babysit while the parents (who often aren’t educated themselves) work. We’re social animals, so grouping and learning from elders is instinctive. It can also go from being a great thing to a very bad thing if class size gets out of hand.

Sure, there are problems such as bullying, so we need to find solutions, rather than throw out what is mostly a good system. We can start with public education being made a privilege rather than a right. Not that that would be an easy change, or would ever happen in this country.

And then there are the teachers. Being exposed to such a large variety is a good thing. You might have one or two Nazis, but most are good, and a handful are inspiring and remembered fondly for the rest of your life. Talk about good karma.

My $.02.

[Ren]

I have nothing against homeschooling, as long as the kids are exposed to others their age. It’s great to expose them to a variety, but peers are important. I also think it’s important that you’re not homeschooling for the wrong reasons, such as paranoia or other personal baggage. I only have one anecdotal experience with homeschoolers. They were Mormons who kept their kids hidden from the evils of the world, which caused them to emerge a little socially inept, but not as bad as you would think. Needless to say, they missed out on a lot.

I do suspect some homeschoolers must have had a terrible experience in school themselves (sorry, prison). I went to good schools, and as I recall, we spent our days learning, not mindlessly conforming, with a few breaks for socializing. My elementary school days were competitive, challenging, and fun. I could have skipped high school and college altogether and been virtually the same person I am today, but I would not have missed those prior years for anything. At that age, it feels good to be in a group of kids, life is about experiencing as much as it is learning, and in my mind, the real prison would be at home with the parents. In hindsight, I would feel cheated if I had missed school. I actually left high school early to go to college, and now regret that decision.

I also disagree with the notion that school is unnatural. It’s been done this way for thousands of years because it is so natural to have the subject matter experts teach/babysit while the parents (who often aren’t educated themselves) work. We’re social animals, so grouping and learning from elders is instinctive. It can also go from being a great thing to a very bad thing if class size gets out of hand.

Sure, there are problems such as bullying, so we need to find solutions, rather than throw out what is mostly a good system. We can start with public education being made a privilege rather than a right. Not that that would be an easy change, or would ever happen in this country.

And then there are the teachers. Being exposed to such a large variety is a good thing. You might have one or two Nazis, but most are good, and a handful are inspiring and remembered fondly for the rest of your life. Talk about good karma.

My $.02.

[(former)FormerSanDiegan]

[quote=Ren][quote=paramount]My total mortgage is ~ $1600/month because I am in fact conservative, and very affordable as a % of my income. My taxes are barely over 1%.

I bought early 2003, were those bubble years? I never even knew what a RE bubble was until around 2005~2006. The $1600 = PITI.

I bought for 270k and put 30k down (of my own hard earned dollars), I have been making payments (never even one day late) for almost 8 years now. I have nothing to show for it, nothing. It’s all gone. I never expected to ‘make’ money on my house, but I never expected it to be a liability either.

I told my wife this past weekend if there is some sort of August surprise and we are not offered any relief that we should positively walk.

It was my intention to move to San Diego this summer, closer to my office. This still may happen, it’s just difficult to do particularly with kids.[/quote]

This whole time I thought you had a major problem, but it’s more regret than a current financial bind. After the tax benefit, you’re actually close to break-even, maybe slightly positive depending on the neighborhood, not counting maintenance. If you ditch it now, you’ll have nothing to show for the last 8 years. Instead, save your credit, rent the place out, and rent in SD. You’ll need to cover some maintenance out of pocket, but inflation will work in your favor and it will cash flow over time. In 22 years you’ll have a paid-for ATM spitting out roughly $1.5k every month (factoring in inflation guesstimate, tax, high maintenance costs of an older property, etc.).

Maybe you did buy at a high price – so let someone else pay it, at least until the next cycle peak. The very last thing I would do is walk away from this now.[/quote]

I have to second Ren’s suggestion. You can make lemonade out of this if you are willing to rent out your home and rent in the next neighborhood you want to live in down in San Diego.

You are not in a significantly different boat than if you had rented for the past 8 years. Sounds like you could be close to break-even as a rental. If not, you would get a nice tax break. For less than the price of a car payment out of pocket, you will own a property 22 years from now that was paid off by tenants.

If as a couple you make under 150K, with the depreciation you can claim on the rental you might even be better off if you rent it out and rented an equivalent place at the same rent.

[(former)FormerSanDiegan]

[quote=Ren][quote=paramount]My total mortgage is ~ $1600/month because I am in fact conservative, and very affordable as a % of my income. My taxes are barely over 1%.

I bought early 2003, were those bubble years? I never even knew what a RE bubble was until around 2005~2006. The $1600 = PITI.

I bought for 270k and put 30k down (of my own hard earned dollars), I have been making payments (never even one day late) for almost 8 years now. I have nothing to show for it, nothing. It’s all gone. I never expected to ‘make’ money on my house, but I never expected it to be a liability either.

I told my wife this past weekend if there is some sort of August surprise and we are not offered any relief that we should positively walk.

It was my intention to move to San Diego this summer, closer to my office. This still may happen, it’s just difficult to do particularly with kids.[/quote]

This whole time I thought you had a major problem, but it’s more regret than a current financial bind. After the tax benefit, you’re actually close to break-even, maybe slightly positive depending on the neighborhood, not counting maintenance. If you ditch it now, you’ll have nothing to show for the last 8 years. Instead, save your credit, rent the place out, and rent in SD. You’ll need to cover some maintenance out of pocket, but inflation will work in your favor and it will cash flow over time. In 22 years you’ll have a paid-for ATM spitting out roughly $1.5k every month (factoring in inflation guesstimate, tax, high maintenance costs of an older property, etc.).

Maybe you did buy at a high price – so let someone else pay it, at least until the next cycle peak. The very last thing I would do is walk away from this now.[/quote]

I have to second Ren’s suggestion. You can make lemonade out of this if you are willing to rent out your home and rent in the next neighborhood you want to live in down in San Diego.

You are not in a significantly different boat than if you had rented for the past 8 years. Sounds like you could be close to break-even as a rental. If not, you would get a nice tax break. For less than the price of a car payment out of pocket, you will own a property 22 years from now that was paid off by tenants.

If as a couple you make under 150K, with the depreciation you can claim on the rental you might even be better off if you rent it out and rented an equivalent place at the same rent.

[(former)FormerSanDiegan]

[quote=Ren][quote=paramount]My total mortgage is ~ $1600/month because I am in fact conservative, and very affordable as a % of my income. My taxes are barely over 1%.

I bought early 2003, were those bubble years? I never even knew what a RE bubble was until around 2005~2006. The $1600 = PITI.

I bought for 270k and put 30k down (of my own hard earned dollars), I have been making payments (never even one day late) for almost 8 years now. I have nothing to show for it, nothing. It’s all gone. I never expected to ‘make’ money on my house, but I never expected it to be a liability either.

I told my wife this past weekend if there is some sort of August surprise and we are not offered any relief that we should positively walk.

It was my intention to move to San Diego this summer, closer to my office. This still may happen, it’s just difficult to do particularly with kids.[/quote]

This whole time I thought you had a major problem, but it’s more regret than a current financial bind. After the tax benefit, you’re actually close to break-even, maybe slightly positive depending on the neighborhood, not counting maintenance. If you ditch it now, you’ll have nothing to show for the last 8 years. Instead, save your credit, rent the place out, and rent in SD. You’ll need to cover some maintenance out of pocket, but inflation will work in your favor and it will cash flow over time. In 22 years you’ll have a paid-for ATM spitting out roughly $1.5k every month (factoring in inflation guesstimate, tax, high maintenance costs of an older property, etc.).

Maybe you did buy at a high price – so let someone else pay it, at least until the next cycle peak. The very last thing I would do is walk away from this now.[/quote]

I have to second Ren’s suggestion. You can make lemonade out of this if you are willing to rent out your home and rent in the next neighborhood you want to live in down in San Diego.

You are not in a significantly different boat than if you had rented for the past 8 years. Sounds like you could be close to break-even as a rental. If not, you would get a nice tax break. For less than the price of a car payment out of pocket, you will own a property 22 years from now that was paid off by tenants.

If as a couple you make under 150K, with the depreciation you can claim on the rental you might even be better off if you rent it out and rented an equivalent place at the same rent.

[(former)FormerSanDiegan]

[quote=Ren][quote=paramount]My total mortgage is ~ $1600/month because I am in fact conservative, and very affordable as a % of my income. My taxes are barely over 1%.

I bought early 2003, were those bubble years? I never even knew what a RE bubble was until around 2005~2006. The $1600 = PITI.

I bought for 270k and put 30k down (of my own hard earned dollars), I have been making payments (never even one day late) for almost 8 years now. I have nothing to show for it, nothing. It’s all gone. I never expected to ‘make’ money on my house, but I never expected it to be a liability either.

I told my wife this past weekend if there is some sort of August surprise and we are not offered any relief that we should positively walk.

It was my intention to move to San Diego this summer, closer to my office. This still may happen, it’s just difficult to do particularly with kids.[/quote]

This whole time I thought you had a major problem, but it’s more regret than a current financial bind. After the tax benefit, you’re actually close to break-even, maybe slightly positive depending on the neighborhood, not counting maintenance. If you ditch it now, you’ll have nothing to show for the last 8 years. Instead, save your credit, rent the place out, and rent in SD. You’ll need to cover some maintenance out of pocket, but inflation will work in your favor and it will cash flow over time. In 22 years you’ll have a paid-for ATM spitting out roughly $1.5k every month (factoring in inflation guesstimate, tax, high maintenance costs of an older property, etc.).

Maybe you did buy at a high price – so let someone else pay it, at least until the next cycle peak. The very last thing I would do is walk away from this now.[/quote]

I have to second Ren’s suggestion. You can make lemonade out of this if you are willing to rent out your home and rent in the next neighborhood you want to live in down in San Diego.

You are not in a significantly different boat than if you had rented for the past 8 years. Sounds like you could be close to break-even as a rental. If not, you would get a nice tax break. For less than the price of a car payment out of pocket, you will own a property 22 years from now that was paid off by tenants.

If as a couple you make under 150K, with the depreciation you can claim on the rental you might even be better off if you rent it out and rented an equivalent place at the same rent.

[Author]

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