should I buy in temecula

[bearishgurl]

[quote=paramount] . . . But again, I am truly positive. I spent $300 bucks just last week sprucing up the front of my house despite all of the brown lawns around me.[/quote]

paramount, this is an excellent use of $$, IMO. It will vastly help your curb appeal in a sea of brown lawns if you decide to list your property (short or otherwise) so you can move forward with your life.

I can’t list at the present and there is no foreclosure activity currently surrounding me, but I have recently and am doing same :=)

[bearishgurl]

[quote=UCGal]. . . I worked in Oceanside in the late 80’s – commuting from downtown San Diego. For me, personally, I made the decision to never have a commute over 30 minutes each way again. I’ve lived in less fancy, but more expensive, homes as a consequence. But it’s a decision I have not regreted. But, that’s my metrics/choice. I understand the desire for a bigger, affordable house, and the tradeoffs people make.[/quote](emphasis added)

You make excellent points here, UCGal. Even though you were commuting AGAINST most of the rush-hour traffic when you worked in O’side, it was STILL a 35-40 mi. commute ONE WAY!

Slightly OT: I can absolutely relate to this commute. Just last Thursday, I drove up (thru the grueling “NCC rush-hour” in the AOV lane :)) to meet a relative for dinner who was vacationing in Laguna Beach, which I haven’t been to in over 25 years. We arrived there with two hours of daylight left to watch my nephews surfing. I just have to say that, in comparison to SD county beaches, the historical significance, ambiance, culture, exclusivity, and sheer length and beauty of this coastline ROCKS!

I don’t personally have any experience with a “Leave-it-to-Beaver” lifestyle as both of my parents worked. Due to the business I am in, I have seen a lot of STUFF in my life and I personally feel a long-term stay-at-home spouse is doing themselves a HUGE DISSERVICE in this day and age, given the current cost of living and all that can happen in life. You are absolutely correct in your comparison of the expectations of our parents (WWII-era & greatest generation) and the expectations of parents today (most a generation or more younger than myself). My original family was raised in 1532 sf and never realized we were deprived. We actually had a 12,800 sf lot and a HUGE detached workshop/garage but never considered adding on. I’m not advocating this mindset today as there are many larger (1800-2300) homes to choose from now. But how much is too much?? If there are 2-4 people in your household and you have 4 or more baths, do you want to spend your time dusting and cleaning the unused baths? Do you want to spend $$ furnishing unused or barely-used space? There comes a point where an extraordinarily large (“newish”) home (with no appreciable land around it) just becomes an albatross, esp. if there are HOA and/or bonds involved.

[bearishgurl]

[quote=UCGal]. . . I worked in Oceanside in the late 80’s – commuting from downtown San Diego. For me, personally, I made the decision to never have a commute over 30 minutes each way again. I’ve lived in less fancy, but more expensive, homes as a consequence. But it’s a decision I have not regreted. But, that’s my metrics/choice. I understand the desire for a bigger, affordable house, and the tradeoffs people make.[/quote](emphasis added)

You make excellent points here, UCGal. Even though you were commuting AGAINST most of the rush-hour traffic when you worked in O’side, it was STILL a 35-40 mi. commute ONE WAY!

Slightly OT: I can absolutely relate to this commute. Just last Thursday, I drove up (thru the grueling “NCC rush-hour” in the AOV lane :)) to meet a relative for dinner who was vacationing in Laguna Beach, which I haven’t been to in over 25 years. We arrived there with two hours of daylight left to watch my nephews surfing. I just have to say that, in comparison to SD county beaches, the historical significance, ambiance, culture, exclusivity, and sheer length and beauty of this coastline ROCKS!

I don’t personally have any experience with a “Leave-it-to-Beaver” lifestyle as both of my parents worked. Due to the business I am in, I have seen a lot of STUFF in my life and I personally feel a long-term stay-at-home spouse is doing themselves a HUGE DISSERVICE in this day and age, given the current cost of living and all that can happen in life. You are absolutely correct in your comparison of the expectations of our parents (WWII-era & greatest generation) and the expectations of parents today (most a generation or more younger than myself). My original family was raised in 1532 sf and never realized we were deprived. We actually had a 12,800 sf lot and a HUGE detached workshop/garage but never considered adding on. I’m not advocating this mindset today as there are many larger (1800-2300) homes to choose from now. But how much is too much?? If there are 2-4 people in your household and you have 4 or more baths, do you want to spend your time dusting and cleaning the unused baths? Do you want to spend $$ furnishing unused or barely-used space? There comes a point where an extraordinarily large (“newish”) home (with no appreciable land around it) just becomes an albatross, esp. if there are HOA and/or bonds involved.

[bearishgurl]

[quote=UCGal]. . . I worked in Oceanside in the late 80’s – commuting from downtown San Diego. For me, personally, I made the decision to never have a commute over 30 minutes each way again. I’ve lived in less fancy, but more expensive, homes as a consequence. But it’s a decision I have not regreted. But, that’s my metrics/choice. I understand the desire for a bigger, affordable house, and the tradeoffs people make.[/quote](emphasis added)

You make excellent points here, UCGal. Even though you were commuting AGAINST most of the rush-hour traffic when you worked in O’side, it was STILL a 35-40 mi. commute ONE WAY!

Slightly OT: I can absolutely relate to this commute. Just last Thursday, I drove up (thru the grueling “NCC rush-hour” in the AOV lane :)) to meet a relative for dinner who was vacationing in Laguna Beach, which I haven’t been to in over 25 years. We arrived there with two hours of daylight left to watch my nephews surfing. I just have to say that, in comparison to SD county beaches, the historical significance, ambiance, culture, exclusivity, and sheer length and beauty of this coastline ROCKS!

I don’t personally have any experience with a “Leave-it-to-Beaver” lifestyle as both of my parents worked. Due to the business I am in, I have seen a lot of STUFF in my life and I personally feel a long-term stay-at-home spouse is doing themselves a HUGE DISSERVICE in this day and age, given the current cost of living and all that can happen in life. You are absolutely correct in your comparison of the expectations of our parents (WWII-era & greatest generation) and the expectations of parents today (most a generation or more younger than myself). My original family was raised in 1532 sf and never realized we were deprived. We actually had a 12,800 sf lot and a HUGE detached workshop/garage but never considered adding on. I’m not advocating this mindset today as there are many larger (1800-2300) homes to choose from now. But how much is too much?? If there are 2-4 people in your household and you have 4 or more baths, do you want to spend your time dusting and cleaning the unused baths? Do you want to spend $$ furnishing unused or barely-used space? There comes a point where an extraordinarily large (“newish”) home (with no appreciable land around it) just becomes an albatross, esp. if there are HOA and/or bonds involved.

[bearishgurl]

[quote=UCGal]. . . I worked in Oceanside in the late 80’s – commuting from downtown San Diego. For me, personally, I made the decision to never have a commute over 30 minutes each way again. I’ve lived in less fancy, but more expensive, homes as a consequence. But it’s a decision I have not regreted. But, that’s my metrics/choice. I understand the desire for a bigger, affordable house, and the tradeoffs people make.[/quote](emphasis added)

You make excellent points here, UCGal. Even though you were commuting AGAINST most of the rush-hour traffic when you worked in O’side, it was STILL a 35-40 mi. commute ONE WAY!

Slightly OT: I can absolutely relate to this commute. Just last Thursday, I drove up (thru the grueling “NCC rush-hour” in the AOV lane :)) to meet a relative for dinner who was vacationing in Laguna Beach, which I haven’t been to in over 25 years. We arrived there with two hours of daylight left to watch my nephews surfing. I just have to say that, in comparison to SD county beaches, the historical significance, ambiance, culture, exclusivity, and sheer length and beauty of this coastline ROCKS!

I don’t personally have any experience with a “Leave-it-to-Beaver” lifestyle as both of my parents worked. Due to the business I am in, I have seen a lot of STUFF in my life and I personally feel a long-term stay-at-home spouse is doing themselves a HUGE DISSERVICE in this day and age, given the current cost of living and all that can happen in life. You are absolutely correct in your comparison of the expectations of our parents (WWII-era & greatest generation) and the expectations of parents today (most a generation or more younger than myself). My original family was raised in 1532 sf and never realized we were deprived. We actually had a 12,800 sf lot and a HUGE detached workshop/garage but never considered adding on. I’m not advocating this mindset today as there are many larger (1800-2300) homes to choose from now. But how much is too much?? If there are 2-4 people in your household and you have 4 or more baths, do you want to spend your time dusting and cleaning the unused baths? Do you want to spend $$ furnishing unused or barely-used space? There comes a point where an extraordinarily large (“newish”) home (with no appreciable land around it) just becomes an albatross, esp. if there are HOA and/or bonds involved.

[bearishgurl]

[quote=UCGal]. . . I worked in Oceanside in the late 80’s – commuting from downtown San Diego. For me, personally, I made the decision to never have a commute over 30 minutes each way again. I’ve lived in less fancy, but more expensive, homes as a consequence. But it’s a decision I have not regreted. But, that’s my metrics/choice. I understand the desire for a bigger, affordable house, and the tradeoffs people make.[/quote](emphasis added)

You make excellent points here, UCGal. Even though you were commuting AGAINST most of the rush-hour traffic when you worked in O’side, it was STILL a 35-40 mi. commute ONE WAY!

Slightly OT: I can absolutely relate to this commute. Just last Thursday, I drove up (thru the grueling “NCC rush-hour” in the AOV lane :)) to meet a relative for dinner who was vacationing in Laguna Beach, which I haven’t been to in over 25 years. We arrived there with two hours of daylight left to watch my nephews surfing. I just have to say that, in comparison to SD county beaches, the historical significance, ambiance, culture, exclusivity, and sheer length and beauty of this coastline ROCKS!

I don’t personally have any experience with a “Leave-it-to-Beaver” lifestyle as both of my parents worked. Due to the business I am in, I have seen a lot of STUFF in my life and I personally feel a long-term stay-at-home spouse is doing themselves a HUGE DISSERVICE in this day and age, given the current cost of living and all that can happen in life. You are absolutely correct in your comparison of the expectations of our parents (WWII-era & greatest generation) and the expectations of parents today (most a generation or more younger than myself). My original family was raised in 1532 sf and never realized we were deprived. We actually had a 12,800 sf lot and a HUGE detached workshop/garage but never considered adding on. I’m not advocating this mindset today as there are many larger (1800-2300) homes to choose from now. But how much is too much?? If there are 2-4 people in your household and you have 4 or more baths, do you want to spend your time dusting and cleaning the unused baths? Do you want to spend $$ furnishing unused or barely-used space? There comes a point where an extraordinarily large (“newish”) home (with no appreciable land around it) just becomes an albatross, esp. if there are HOA and/or bonds involved.

[Ren]

[quote=paramount]6. And oh yah, I have been financially wrecked by my decision to move to Temecula.
[/quote]

You keep saying this, but when we dragged the details out of you, it turns out that you actually were not financially wrecked by this decision. You haven’t lost any money until you sell at the wrong time, and the wrong time would be now.

[Ren]

[quote=paramount]6. And oh yah, I have been financially wrecked by my decision to move to Temecula.
[/quote]

You keep saying this, but when we dragged the details out of you, it turns out that you actually were not financially wrecked by this decision. You haven’t lost any money until you sell at the wrong time, and the wrong time would be now.

[Ren]

[quote=paramount]6. And oh yah, I have been financially wrecked by my decision to move to Temecula.
[/quote]

You keep saying this, but when we dragged the details out of you, it turns out that you actually were not financially wrecked by this decision. You haven’t lost any money until you sell at the wrong time, and the wrong time would be now.

[Ren]

[quote=paramount]6. And oh yah, I have been financially wrecked by my decision to move to Temecula.
[/quote]

You keep saying this, but when we dragged the details out of you, it turns out that you actually were not financially wrecked by this decision. You haven’t lost any money until you sell at the wrong time, and the wrong time would be now.

[Ren]

[quote=paramount]6. And oh yah, I have been financially wrecked by my decision to move to Temecula.
[/quote]

You keep saying this, but when we dragged the details out of you, it turns out that you actually were not financially wrecked by this decision. You haven’t lost any money until you sell at the wrong time, and the wrong time would be now.

[Ren]

[quote=bearishgurl]Back to the topic at hand, I NEVER stated anywhere here that TV was not a good place to live. What I stated was that those TV residents with a family who work out-of-county ARE VOLUNTARILY SACRIFICING their precious time commuting. With the cost of the annual water/sewer utility bonds and MR (described here by TG and Ren) thrown into the mix and multiplied over the life of the bonds as well as the extra monthly gasoline cost, I just wonder if the SD, OC and LA workers who CHOOSE to purchase their residence in TV are actually really saving any $$ on housing by situating their families there (which was the most oft-stated reason for buying there, in the first place).[/quote]

This is a little insulting, BG – assuming we made this huge decision without factoring in all the variables. We pay 1.52% total tax on a $250k property, plus $46 HOA. Our 4/3 2100sf house would cost $600k-700k in Carlsbad (that includes many built in the 70’s and 80’s – not a lot of savings on older homes), $500k in San Marcos. Escondido and Vista are mostly pits and not much cheaper than San Marcos (been there, done that).

So, you can have a $250k house at 1.5%, or a $600k house at 1.0-1.1%. Figure $400/month extra for gas, offset by $200 savings in childcare. I’ll let you do the math this time – we already have.

As for time spent away from family, don’t forget to factor in the early retirement. That’s many more years spent with the kids before they go to college.

[Ren]

[quote=bearishgurl]Back to the topic at hand, I NEVER stated anywhere here that TV was not a good place to live. What I stated was that those TV residents with a family who work out-of-county ARE VOLUNTARILY SACRIFICING their precious time commuting. With the cost of the annual water/sewer utility bonds and MR (described here by TG and Ren) thrown into the mix and multiplied over the life of the bonds as well as the extra monthly gasoline cost, I just wonder if the SD, OC and LA workers who CHOOSE to purchase their residence in TV are actually really saving any $$ on housing by situating their families there (which was the most oft-stated reason for buying there, in the first place).[/quote]

This is a little insulting, BG – assuming we made this huge decision without factoring in all the variables. We pay 1.52% total tax on a $250k property, plus $46 HOA. Our 4/3 2100sf house would cost $600k-700k in Carlsbad (that includes many built in the 70’s and 80’s – not a lot of savings on older homes), $500k in San Marcos. Escondido and Vista are mostly pits and not much cheaper than San Marcos (been there, done that).

So, you can have a $250k house at 1.5%, or a $600k house at 1.0-1.1%. Figure $400/month extra for gas, offset by $200 savings in childcare. I’ll let you do the math this time – we already have.

As for time spent away from family, don’t forget to factor in the early retirement. That’s many more years spent with the kids before they go to college.

[Ren]

[quote=bearishgurl]Back to the topic at hand, I NEVER stated anywhere here that TV was not a good place to live. What I stated was that those TV residents with a family who work out-of-county ARE VOLUNTARILY SACRIFICING their precious time commuting. With the cost of the annual water/sewer utility bonds and MR (described here by TG and Ren) thrown into the mix and multiplied over the life of the bonds as well as the extra monthly gasoline cost, I just wonder if the SD, OC and LA workers who CHOOSE to purchase their residence in TV are actually really saving any $$ on housing by situating their families there (which was the most oft-stated reason for buying there, in the first place).[/quote]

This is a little insulting, BG – assuming we made this huge decision without factoring in all the variables. We pay 1.52% total tax on a $250k property, plus $46 HOA. Our 4/3 2100sf house would cost $600k-700k in Carlsbad (that includes many built in the 70’s and 80’s – not a lot of savings on older homes), $500k in San Marcos. Escondido and Vista are mostly pits and not much cheaper than San Marcos (been there, done that).

So, you can have a $250k house at 1.5%, or a $600k house at 1.0-1.1%. Figure $400/month extra for gas, offset by $200 savings in childcare. I’ll let you do the math this time – we already have.

As for time spent away from family, don’t forget to factor in the early retirement. That’s many more years spent with the kids before they go to college.

[Ren]

[quote=bearishgurl]Back to the topic at hand, I NEVER stated anywhere here that TV was not a good place to live. What I stated was that those TV residents with a family who work out-of-county ARE VOLUNTARILY SACRIFICING their precious time commuting. With the cost of the annual water/sewer utility bonds and MR (described here by TG and Ren) thrown into the mix and multiplied over the life of the bonds as well as the extra monthly gasoline cost, I just wonder if the SD, OC and LA workers who CHOOSE to purchase their residence in TV are actually really saving any $$ on housing by situating their families there (which was the most oft-stated reason for buying there, in the first place).[/quote]

This is a little insulting, BG – assuming we made this huge decision without factoring in all the variables. We pay 1.52% total tax on a $250k property, plus $46 HOA. Our 4/3 2100sf house would cost $600k-700k in Carlsbad (that includes many built in the 70’s and 80’s – not a lot of savings on older homes), $500k in San Marcos. Escondido and Vista are mostly pits and not much cheaper than San Marcos (been there, done that).

So, you can have a $250k house at 1.5%, or a $600k house at 1.0-1.1%. Figure $400/month extra for gas, offset by $200 savings in childcare. I’ll let you do the math this time – we already have.

As for time spent away from family, don’t forget to factor in the early retirement. That’s many more years spent with the kids before they go to college.

[Author]

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