should I buy in temecula

[temeculaguy]

BG, literally only a few hundred people pay the water bond I mentioned, I believe I detailed that when I first mentioned it, prhaps I was too detailed. The reason I chose to select the particular tract that I did was because I wanted the water bond, I factored it into my offer and then some. 99.7% of people in this valley do not have that bond, just one neighborhood, and it played a significant role in the price decreases because buyers got fixated on tax percentages. I probably got 100k knocked off for a 3k a year water bond, borrowing 100k has a $600 mo cost, the bond is under $300, it’s just math.

I’m not arguing temecula with you, I just want to make a point that right now, high hoa’s, high taxes and percieved high maintenance is where the bargains are, running into burning buildings, while everyone is running away is usually where you can make the best deals.

I picked the worst taxes, the highest hoa and the appearance of high carrying costs because it’s a smallish mcmansion, all in an effort to get the best deal, to pay 35 cents on the dollar, because everyone else was subscribing to your line of thinking. But each can be sorted out and made into a positive. My 3300 sq ft 5/4 had an electric bill in july of $108, water was $54. It would take me pages to tell you how I did this but new homes are far more efficient and there is technology out there to reduce your energy use dramatically. But it’s bottom line, my mortgage, taxes, hoa, out the door is just a shade over 2k. When I looked at some houses with a straight 1% tax rate, no hoa, the total nut was more for a comparable house, it was even more than a smaller house. A 1400 mort and 600 in taxes is less than a an 1800 mort and 400 in taxes. There’s a resale argument but my needs were more about keeping the total nut, after tax deductions, right at what I was paying to rent a condo down the street. It’s not about a house as an investment, it’s about a house that costs less to facilitate other investments. Your list of things that can go wrong also exist when you pay twice as much for a home, in fact they are compounded.

[temeculaguy]

Paramount, I see where you are coming from, just avoid focusing on the negative. We can’t stop the wars your neighbor has to fight becuase he is a soldier, that’s what they do. What you can do is mow his lawn, send him stuff to make it more tolerable, thank him. Even though your heart aches for your enemployed co-workers and the process gives you reason to fear for your own job, just rejoice int he fact that you are still employed and maybe start a back-up plan just in case, which I bet you already have. Feeling frustrated because there are things out of your control is natural, but figuring ways to overcome the feelings and developing a plan b, can be empowering.

[temeculaguy]

Paramount, I see where you are coming from, just avoid focusing on the negative. We can’t stop the wars your neighbor has to fight becuase he is a soldier, that’s what they do. What you can do is mow his lawn, send him stuff to make it more tolerable, thank him. Even though your heart aches for your enemployed co-workers and the process gives you reason to fear for your own job, just rejoice int he fact that you are still employed and maybe start a back-up plan just in case, which I bet you already have. Feeling frustrated because there are things out of your control is natural, but figuring ways to overcome the feelings and developing a plan b, can be empowering.

[temeculaguy]

Paramount, I see where you are coming from, just avoid focusing on the negative. We can’t stop the wars your neighbor has to fight becuase he is a soldier, that’s what they do. What you can do is mow his lawn, send him stuff to make it more tolerable, thank him. Even though your heart aches for your enemployed co-workers and the process gives you reason to fear for your own job, just rejoice int he fact that you are still employed and maybe start a back-up plan just in case, which I bet you already have. Feeling frustrated because there are things out of your control is natural, but figuring ways to overcome the feelings and developing a plan b, can be empowering.

[temeculaguy]

Paramount, I see where you are coming from, just avoid focusing on the negative. We can’t stop the wars your neighbor has to fight becuase he is a soldier, that’s what they do. What you can do is mow his lawn, send him stuff to make it more tolerable, thank him. Even though your heart aches for your enemployed co-workers and the process gives you reason to fear for your own job, just rejoice int he fact that you are still employed and maybe start a back-up plan just in case, which I bet you already have. Feeling frustrated because there are things out of your control is natural, but figuring ways to overcome the feelings and developing a plan b, can be empowering.

[temeculaguy]

Paramount, I see where you are coming from, just avoid focusing on the negative. We can’t stop the wars your neighbor has to fight becuase he is a soldier, that’s what they do. What you can do is mow his lawn, send him stuff to make it more tolerable, thank him. Even though your heart aches for your enemployed co-workers and the process gives you reason to fear for your own job, just rejoice int he fact that you are still employed and maybe start a back-up plan just in case, which I bet you already have. Feeling frustrated because there are things out of your control is natural, but figuring ways to overcome the feelings and developing a plan b, can be empowering.

[bearishgurl]

[quote=carlsbadworker]bearishgurl, I am a number person, so don’t assume that I have not used my calculator.

I actually don’t have the long-term water/sewer bond that TG has. My overall property tax rate is about 1.2%. So have you thought about the property tax savings might actually offset the utility costs by living in TV?

I have lived in Oceanside, San Marcos, Vista and Carlsbad before. And I have other family reasons to move to Temecula rather than staying in NC. But that’s beside the point. The point is, if you have read my previous posts, I have never claimed that buying in TV is the best investment that one can make. In fact, I have been arguing that it depends on the long-term appreciation potential of the neighborhood which I don’t have a crystal ball to forecast.

But all the Temecula haters seem to get so focused on all the negative points of living in Temecula that they refuse to see the different view points offered by the TV residents to correct those bias.

. . . While commuting and listening to educational CDs, I was actually able to move my career path in a direction that I want. Because my commute-time-as-office-time was spent on areas where my development is needed rather than being dragged in the direction that my co-workers expect me when I am in the office.

Again, if you want to understand “the psychology behind RE buyers who favor long-distance commuting”, that’s what I can offer. In the end, it is a very low-risk bet to buy in TV at the moment. Things may not work out (as for paramount), but so what? We have not yet seen evidences that he was financially wrecked by the decision to buy in TV. In fact, if one is a number person, it is hard to be financially destroyed by RE purchase that can be cash flow positive. I am not saying that it is not possible. Life is unpredictable and that’s the beauty of it. Yes, there are many factors which may or may not be within our control. But, the risk is considerably smaller because the math checks out, and you can rent out the property so it won’t be a drag in your financial reality when these unknown factors come in. There are of course factors that you can not react to with the best planning, but that doesn’t mean that we are not making rational decision based on the most likely scenarios.[/quote](emphasis added)

Thank you for your input, CW. By your “other family reasons to move to Temecula,” I take it you have other family members there you wanted to live near?

Listening to educational or self-development CD’s is a great way to spend commuting time, IMO.

If you think your property would “cash-flow” if you had to move out and couldn’t sell it for what you wanted and you didn’t need your downpayment back out of it to purchase another property, then I guess it would be hard to consider your purchase a “mistake.” The only drawback I see to this is trying to manage your old (now rented) TV property yourself from a distance – this could be problematic . . . but otherwise, I can see your point.

I’ve never been a “Temecula hater” but I shook my head a lot throughout the nineties and early 2000’s when a few of my co-workers were buying a residence in Temecula when there were perfectly good properties available in their home neighborhoods and adjacent areas <15 miles from work. After moving, many would frequently call into work late in the mornings stating they were "stuck in traffic." duh!!

As a licensee who has only listed and sold in conveniently located SD County urban (and a few close-in suburban) areas, I often wondered what exactly was "drawing" buyers who, in the past, would have purchased within areas I was familiar with, to far-flung areas with MR and often, HOA dues as well.

I can understand why TV residents often feel they need to correct certain "biases" about living there so I'll take this opportunity for "correction." All these San Diego County (conveniently located) "dumps," "pits" and "other-worldly" communities (as referred to by some Piggs here) are occupied by many, many thousands of taxpayers (thousands of "professionals" incl) whose children are being admitted to top colleges around the country. In addition, due to age of these "dumpy" communities and thus age of landowners, many of their residents have multiple holdings in local residential and commercial RE, much of it owned outright (read: free and clear) that they have managed themselves for 40-50 years, yet they all choose to remain living in their "pitted dump" of a community and laughing all the way to the bank (ex. Nat'l City branch), where they have been well-known by its employees for years! :=]

I'd rather continue "slumming" down here in the "other world" in my large 4/2 house located 10 mi. from dtn. SD (on surface sts) than pay all that extra nonsense to live out in BFE . . . stick with the devil I know . . . that's it. To each his own.

Both on and off this board, I have (over the last 15 yrs or so) witnessed a widespread "stigma" (among mostly newer SD transplants) attached to remaining in SD (or close by) to live, raise their families or retire. Just wondering WHY??

I couldn't and wouldn't (in good conscience) even show or recommend a property in Chula Vista (where I live & work) to a young(ish) first-time buyer if it still had exorbitant MR and HOA tied to it for ten yrs or more, knowing full well how this would eventually adversely affect them. If my buyer insisted on considering ONLY these types of properties, I would refer them to another agent for a small fee upon closing. I have never believed in hamstringing RE buyers to the point where they will almost certainly be eventually trapped. But that's just me . . . I've never depended solely on RE commissions for a living, either.

[bearishgurl]

[quote=carlsbadworker]bearishgurl, I am a number person, so don’t assume that I have not used my calculator.

I actually don’t have the long-term water/sewer bond that TG has. My overall property tax rate is about 1.2%. So have you thought about the property tax savings might actually offset the utility costs by living in TV?

I have lived in Oceanside, San Marcos, Vista and Carlsbad before. And I have other family reasons to move to Temecula rather than staying in NC. But that’s beside the point. The point is, if you have read my previous posts, I have never claimed that buying in TV is the best investment that one can make. In fact, I have been arguing that it depends on the long-term appreciation potential of the neighborhood which I don’t have a crystal ball to forecast.

But all the Temecula haters seem to get so focused on all the negative points of living in Temecula that they refuse to see the different view points offered by the TV residents to correct those bias.

. . . While commuting and listening to educational CDs, I was actually able to move my career path in a direction that I want. Because my commute-time-as-office-time was spent on areas where my development is needed rather than being dragged in the direction that my co-workers expect me when I am in the office.

Again, if you want to understand “the psychology behind RE buyers who favor long-distance commuting”, that’s what I can offer. In the end, it is a very low-risk bet to buy in TV at the moment. Things may not work out (as for paramount), but so what? We have not yet seen evidences that he was financially wrecked by the decision to buy in TV. In fact, if one is a number person, it is hard to be financially destroyed by RE purchase that can be cash flow positive. I am not saying that it is not possible. Life is unpredictable and that’s the beauty of it. Yes, there are many factors which may or may not be within our control. But, the risk is considerably smaller because the math checks out, and you can rent out the property so it won’t be a drag in your financial reality when these unknown factors come in. There are of course factors that you can not react to with the best planning, but that doesn’t mean that we are not making rational decision based on the most likely scenarios.[/quote](emphasis added)

Thank you for your input, CW. By your “other family reasons to move to Temecula,” I take it you have other family members there you wanted to live near?

Listening to educational or self-development CD’s is a great way to spend commuting time, IMO.

If you think your property would “cash-flow” if you had to move out and couldn’t sell it for what you wanted and you didn’t need your downpayment back out of it to purchase another property, then I guess it would be hard to consider your purchase a “mistake.” The only drawback I see to this is trying to manage your old (now rented) TV property yourself from a distance – this could be problematic . . . but otherwise, I can see your point.

I’ve never been a “Temecula hater” but I shook my head a lot throughout the nineties and early 2000’s when a few of my co-workers were buying a residence in Temecula when there were perfectly good properties available in their home neighborhoods and adjacent areas <15 miles from work. After moving, many would frequently call into work late in the mornings stating they were "stuck in traffic." duh!!

As a licensee who has only listed and sold in conveniently located SD County urban (and a few close-in suburban) areas, I often wondered what exactly was "drawing" buyers who, in the past, would have purchased within areas I was familiar with, to far-flung areas with MR and often, HOA dues as well.

I can understand why TV residents often feel they need to correct certain "biases" about living there so I'll take this opportunity for "correction." All these San Diego County (conveniently located) "dumps," "pits" and "other-worldly" communities (as referred to by some Piggs here) are occupied by many, many thousands of taxpayers (thousands of "professionals" incl) whose children are being admitted to top colleges around the country. In addition, due to age of these "dumpy" communities and thus age of landowners, many of their residents have multiple holdings in local residential and commercial RE, much of it owned outright (read: free and clear) that they have managed themselves for 40-50 years, yet they all choose to remain living in their "pitted dump" of a community and laughing all the way to the bank (ex. Nat'l City branch), where they have been well-known by its employees for years! :=]

I'd rather continue "slumming" down here in the "other world" in my large 4/2 house located 10 mi. from dtn. SD (on surface sts) than pay all that extra nonsense to live out in BFE . . . stick with the devil I know . . . that's it. To each his own.

Both on and off this board, I have (over the last 15 yrs or so) witnessed a widespread "stigma" (among mostly newer SD transplants) attached to remaining in SD (or close by) to live, raise their families or retire. Just wondering WHY??

I couldn't and wouldn't (in good conscience) even show or recommend a property in Chula Vista (where I live & work) to a young(ish) first-time buyer if it still had exorbitant MR and HOA tied to it for ten yrs or more, knowing full well how this would eventually adversely affect them. If my buyer insisted on considering ONLY these types of properties, I would refer them to another agent for a small fee upon closing. I have never believed in hamstringing RE buyers to the point where they will almost certainly be eventually trapped. But that's just me . . . I've never depended solely on RE commissions for a living, either.

[bearishgurl]

[quote=carlsbadworker]bearishgurl, I am a number person, so don’t assume that I have not used my calculator.

I actually don’t have the long-term water/sewer bond that TG has. My overall property tax rate is about 1.2%. So have you thought about the property tax savings might actually offset the utility costs by living in TV?

I have lived in Oceanside, San Marcos, Vista and Carlsbad before. And I have other family reasons to move to Temecula rather than staying in NC. But that’s beside the point. The point is, if you have read my previous posts, I have never claimed that buying in TV is the best investment that one can make. In fact, I have been arguing that it depends on the long-term appreciation potential of the neighborhood which I don’t have a crystal ball to forecast.

But all the Temecula haters seem to get so focused on all the negative points of living in Temecula that they refuse to see the different view points offered by the TV residents to correct those bias.

. . . While commuting and listening to educational CDs, I was actually able to move my career path in a direction that I want. Because my commute-time-as-office-time was spent on areas where my development is needed rather than being dragged in the direction that my co-workers expect me when I am in the office.

Again, if you want to understand “the psychology behind RE buyers who favor long-distance commuting”, that’s what I can offer. In the end, it is a very low-risk bet to buy in TV at the moment. Things may not work out (as for paramount), but so what? We have not yet seen evidences that he was financially wrecked by the decision to buy in TV. In fact, if one is a number person, it is hard to be financially destroyed by RE purchase that can be cash flow positive. I am not saying that it is not possible. Life is unpredictable and that’s the beauty of it. Yes, there are many factors which may or may not be within our control. But, the risk is considerably smaller because the math checks out, and you can rent out the property so it won’t be a drag in your financial reality when these unknown factors come in. There are of course factors that you can not react to with the best planning, but that doesn’t mean that we are not making rational decision based on the most likely scenarios.[/quote](emphasis added)

Thank you for your input, CW. By your “other family reasons to move to Temecula,” I take it you have other family members there you wanted to live near?

Listening to educational or self-development CD’s is a great way to spend commuting time, IMO.

If you think your property would “cash-flow” if you had to move out and couldn’t sell it for what you wanted and you didn’t need your downpayment back out of it to purchase another property, then I guess it would be hard to consider your purchase a “mistake.” The only drawback I see to this is trying to manage your old (now rented) TV property yourself from a distance – this could be problematic . . . but otherwise, I can see your point.

I’ve never been a “Temecula hater” but I shook my head a lot throughout the nineties and early 2000’s when a few of my co-workers were buying a residence in Temecula when there were perfectly good properties available in their home neighborhoods and adjacent areas <15 miles from work. After moving, many would frequently call into work late in the mornings stating they were "stuck in traffic." duh!!

As a licensee who has only listed and sold in conveniently located SD County urban (and a few close-in suburban) areas, I often wondered what exactly was "drawing" buyers who, in the past, would have purchased within areas I was familiar with, to far-flung areas with MR and often, HOA dues as well.

I can understand why TV residents often feel they need to correct certain "biases" about living there so I'll take this opportunity for "correction." All these San Diego County (conveniently located) "dumps," "pits" and "other-worldly" communities (as referred to by some Piggs here) are occupied by many, many thousands of taxpayers (thousands of "professionals" incl) whose children are being admitted to top colleges around the country. In addition, due to age of these "dumpy" communities and thus age of landowners, many of their residents have multiple holdings in local residential and commercial RE, much of it owned outright (read: free and clear) that they have managed themselves for 40-50 years, yet they all choose to remain living in their "pitted dump" of a community and laughing all the way to the bank (ex. Nat'l City branch), where they have been well-known by its employees for years! :=]

I'd rather continue "slumming" down here in the "other world" in my large 4/2 house located 10 mi. from dtn. SD (on surface sts) than pay all that extra nonsense to live out in BFE . . . stick with the devil I know . . . that's it. To each his own.

Both on and off this board, I have (over the last 15 yrs or so) witnessed a widespread "stigma" (among mostly newer SD transplants) attached to remaining in SD (or close by) to live, raise their families or retire. Just wondering WHY??

I couldn't and wouldn't (in good conscience) even show or recommend a property in Chula Vista (where I live & work) to a young(ish) first-time buyer if it still had exorbitant MR and HOA tied to it for ten yrs or more, knowing full well how this would eventually adversely affect them. If my buyer insisted on considering ONLY these types of properties, I would refer them to another agent for a small fee upon closing. I have never believed in hamstringing RE buyers to the point where they will almost certainly be eventually trapped. But that's just me . . . I've never depended solely on RE commissions for a living, either.

[bearishgurl]

[quote=carlsbadworker]bearishgurl, I am a number person, so don’t assume that I have not used my calculator.

I actually don’t have the long-term water/sewer bond that TG has. My overall property tax rate is about 1.2%. So have you thought about the property tax savings might actually offset the utility costs by living in TV?

I have lived in Oceanside, San Marcos, Vista and Carlsbad before. And I have other family reasons to move to Temecula rather than staying in NC. But that’s beside the point. The point is, if you have read my previous posts, I have never claimed that buying in TV is the best investment that one can make. In fact, I have been arguing that it depends on the long-term appreciation potential of the neighborhood which I don’t have a crystal ball to forecast.

But all the Temecula haters seem to get so focused on all the negative points of living in Temecula that they refuse to see the different view points offered by the TV residents to correct those bias.

. . . While commuting and listening to educational CDs, I was actually able to move my career path in a direction that I want. Because my commute-time-as-office-time was spent on areas where my development is needed rather than being dragged in the direction that my co-workers expect me when I am in the office.

Again, if you want to understand “the psychology behind RE buyers who favor long-distance commuting”, that’s what I can offer. In the end, it is a very low-risk bet to buy in TV at the moment. Things may not work out (as for paramount), but so what? We have not yet seen evidences that he was financially wrecked by the decision to buy in TV. In fact, if one is a number person, it is hard to be financially destroyed by RE purchase that can be cash flow positive. I am not saying that it is not possible. Life is unpredictable and that’s the beauty of it. Yes, there are many factors which may or may not be within our control. But, the risk is considerably smaller because the math checks out, and you can rent out the property so it won’t be a drag in your financial reality when these unknown factors come in. There are of course factors that you can not react to with the best planning, but that doesn’t mean that we are not making rational decision based on the most likely scenarios.[/quote](emphasis added)

Thank you for your input, CW. By your “other family reasons to move to Temecula,” I take it you have other family members there you wanted to live near?

Listening to educational or self-development CD’s is a great way to spend commuting time, IMO.

If you think your property would “cash-flow” if you had to move out and couldn’t sell it for what you wanted and you didn’t need your downpayment back out of it to purchase another property, then I guess it would be hard to consider your purchase a “mistake.” The only drawback I see to this is trying to manage your old (now rented) TV property yourself from a distance – this could be problematic . . . but otherwise, I can see your point.

I’ve never been a “Temecula hater” but I shook my head a lot throughout the nineties and early 2000’s when a few of my co-workers were buying a residence in Temecula when there were perfectly good properties available in their home neighborhoods and adjacent areas <15 miles from work. After moving, many would frequently call into work late in the mornings stating they were "stuck in traffic." duh!!

As a licensee who has only listed and sold in conveniently located SD County urban (and a few close-in suburban) areas, I often wondered what exactly was "drawing" buyers who, in the past, would have purchased within areas I was familiar with, to far-flung areas with MR and often, HOA dues as well.

I can understand why TV residents often feel they need to correct certain "biases" about living there so I'll take this opportunity for "correction." All these San Diego County (conveniently located) "dumps," "pits" and "other-worldly" communities (as referred to by some Piggs here) are occupied by many, many thousands of taxpayers (thousands of "professionals" incl) whose children are being admitted to top colleges around the country. In addition, due to age of these "dumpy" communities and thus age of landowners, many of their residents have multiple holdings in local residential and commercial RE, much of it owned outright (read: free and clear) that they have managed themselves for 40-50 years, yet they all choose to remain living in their "pitted dump" of a community and laughing all the way to the bank (ex. Nat'l City branch), where they have been well-known by its employees for years! :=]

I'd rather continue "slumming" down here in the "other world" in my large 4/2 house located 10 mi. from dtn. SD (on surface sts) than pay all that extra nonsense to live out in BFE . . . stick with the devil I know . . . that's it. To each his own.

Both on and off this board, I have (over the last 15 yrs or so) witnessed a widespread "stigma" (among mostly newer SD transplants) attached to remaining in SD (or close by) to live, raise their families or retire. Just wondering WHY??

I couldn't and wouldn't (in good conscience) even show or recommend a property in Chula Vista (where I live & work) to a young(ish) first-time buyer if it still had exorbitant MR and HOA tied to it for ten yrs or more, knowing full well how this would eventually adversely affect them. If my buyer insisted on considering ONLY these types of properties, I would refer them to another agent for a small fee upon closing. I have never believed in hamstringing RE buyers to the point where they will almost certainly be eventually trapped. But that's just me . . . I've never depended solely on RE commissions for a living, either.

[bearishgurl]

[quote=carlsbadworker]bearishgurl, I am a number person, so don’t assume that I have not used my calculator.

I actually don’t have the long-term water/sewer bond that TG has. My overall property tax rate is about 1.2%. So have you thought about the property tax savings might actually offset the utility costs by living in TV?

I have lived in Oceanside, San Marcos, Vista and Carlsbad before. And I have other family reasons to move to Temecula rather than staying in NC. But that’s beside the point. The point is, if you have read my previous posts, I have never claimed that buying in TV is the best investment that one can make. In fact, I have been arguing that it depends on the long-term appreciation potential of the neighborhood which I don’t have a crystal ball to forecast.

But all the Temecula haters seem to get so focused on all the negative points of living in Temecula that they refuse to see the different view points offered by the TV residents to correct those bias.

. . . While commuting and listening to educational CDs, I was actually able to move my career path in a direction that I want. Because my commute-time-as-office-time was spent on areas where my development is needed rather than being dragged in the direction that my co-workers expect me when I am in the office.

Again, if you want to understand “the psychology behind RE buyers who favor long-distance commuting”, that’s what I can offer. In the end, it is a very low-risk bet to buy in TV at the moment. Things may not work out (as for paramount), but so what? We have not yet seen evidences that he was financially wrecked by the decision to buy in TV. In fact, if one is a number person, it is hard to be financially destroyed by RE purchase that can be cash flow positive. I am not saying that it is not possible. Life is unpredictable and that’s the beauty of it. Yes, there are many factors which may or may not be within our control. But, the risk is considerably smaller because the math checks out, and you can rent out the property so it won’t be a drag in your financial reality when these unknown factors come in. There are of course factors that you can not react to with the best planning, but that doesn’t mean that we are not making rational decision based on the most likely scenarios.[/quote](emphasis added)

Thank you for your input, CW. By your “other family reasons to move to Temecula,” I take it you have other family members there you wanted to live near?

Listening to educational or self-development CD’s is a great way to spend commuting time, IMO.

If you think your property would “cash-flow” if you had to move out and couldn’t sell it for what you wanted and you didn’t need your downpayment back out of it to purchase another property, then I guess it would be hard to consider your purchase a “mistake.” The only drawback I see to this is trying to manage your old (now rented) TV property yourself from a distance – this could be problematic . . . but otherwise, I can see your point.

I’ve never been a “Temecula hater” but I shook my head a lot throughout the nineties and early 2000’s when a few of my co-workers were buying a residence in Temecula when there were perfectly good properties available in their home neighborhoods and adjacent areas <15 miles from work. After moving, many would frequently call into work late in the mornings stating they were "stuck in traffic." duh!!

As a licensee who has only listed and sold in conveniently located SD County urban (and a few close-in suburban) areas, I often wondered what exactly was "drawing" buyers who, in the past, would have purchased within areas I was familiar with, to far-flung areas with MR and often, HOA dues as well.

I can understand why TV residents often feel they need to correct certain "biases" about living there so I'll take this opportunity for "correction." All these San Diego County (conveniently located) "dumps," "pits" and "other-worldly" communities (as referred to by some Piggs here) are occupied by many, many thousands of taxpayers (thousands of "professionals" incl) whose children are being admitted to top colleges around the country. In addition, due to age of these "dumpy" communities and thus age of landowners, many of their residents have multiple holdings in local residential and commercial RE, much of it owned outright (read: free and clear) that they have managed themselves for 40-50 years, yet they all choose to remain living in their "pitted dump" of a community and laughing all the way to the bank (ex. Nat'l City branch), where they have been well-known by its employees for years! :=]

I'd rather continue "slumming" down here in the "other world" in my large 4/2 house located 10 mi. from dtn. SD (on surface sts) than pay all that extra nonsense to live out in BFE . . . stick with the devil I know . . . that's it. To each his own.

Both on and off this board, I have (over the last 15 yrs or so) witnessed a widespread "stigma" (among mostly newer SD transplants) attached to remaining in SD (or close by) to live, raise their families or retire. Just wondering WHY??

I couldn't and wouldn't (in good conscience) even show or recommend a property in Chula Vista (where I live & work) to a young(ish) first-time buyer if it still had exorbitant MR and HOA tied to it for ten yrs or more, knowing full well how this would eventually adversely affect them. If my buyer insisted on considering ONLY these types of properties, I would refer them to another agent for a small fee upon closing. I have never believed in hamstringing RE buyers to the point where they will almost certainly be eventually trapped. But that's just me . . . I've never depended solely on RE commissions for a living, either.

[temeculaguy]

Bg, your opposition to mello roos can be blinding. Let’s say you had two properties is chula vista, same house, different tracts. One cost 900k and had 1% tax,no hoa, the other cost 265k, had 300 in mr and 100 in hoa. The 900k one costs 4800 P%I, 480 in taxes, grand total (5280 house payment). The second one is 1420+600+100=2120. You still going to tell that young couple you can’t in good conscious sell them a 2120 out the door mortgage because it has extra fees.

If they both cost the same, then it’s not the same decision, but if there is a significant price differential, you need to go math crazy and not just shun something you have an aversion to.

Some of the people that head to temec do for different reasons but most of the posters are looking at about 25% of san diego county, you’d need hot pokers to get them to live in minority dominated communities or areas where english is not the primary language. It’s not right or wrong, let them be happy.

Me, I hate telephone poles, utility poles, it’s a long story, it’s partly irrational, it more about me and some weird bad luck having to do with earthquakes, wind storms, fires, but at some point I realized that me and utility poles are incompatible. When I’m in some communities that have wires strung eveywhere to the house from poles and poles all tilted, it’s all I see, it screws up my feng shui. Buckled sidewalks, weeds in the sidewalks, cracked roads and potholes, these things throw me off. Grocery stores with hobos out front, hate them, liquor stores on every corner and check cashing joints, make me uneasy. I also hate country areas, hate yardwork, hate land unless someone else does the work, I like concrete jungles, I like suburbia, I like it and that’s just that. Am I bad, am I racist, am I afraid, do I need re-education? None of the above, I just like things clean, I’m weird, I get it, so my choices are limited to about 20% of San Diego County if I were to ever live there again. Of my choices, my house would cost about 900k, I could pay it but I don’t want to and I wont be happy living in what 265k buys you in your county. I feel lucky that what I like happens to be cheap, I wish my wine tastes ran cheaper, but I can’t fix that.

You like something different, that’s cool, but trying to make others like what you like is like changing someone’s mind about religion.

Throwing down someone else’s world is never nice, but there are many of us that are completely unhappy if our travels take us south of highway 94, some of us, self included, hit the “get me the hell out of here” button on our gps once we find ourselves too far south. Some people have that feeling about being East of the 5, if they can’t see the ocean they will become depressed, I can’t change them, it’s how they are wired, unfortunately that’s an expensive wiring, but it is what it is.

[temeculaguy]

Bg, your opposition to mello roos can be blinding. Let’s say you had two properties is chula vista, same house, different tracts. One cost 900k and had 1% tax,no hoa, the other cost 265k, had 300 in mr and 100 in hoa. The 900k one costs 4800 P%I, 480 in taxes, grand total (5280 house payment). The second one is 1420+600+100=2120. You still going to tell that young couple you can’t in good conscious sell them a 2120 out the door mortgage because it has extra fees.

If they both cost the same, then it’s not the same decision, but if there is a significant price differential, you need to go math crazy and not just shun something you have an aversion to.

Some of the people that head to temec do for different reasons but most of the posters are looking at about 25% of san diego county, you’d need hot pokers to get them to live in minority dominated communities or areas where english is not the primary language. It’s not right or wrong, let them be happy.

Me, I hate telephone poles, utility poles, it’s a long story, it’s partly irrational, it more about me and some weird bad luck having to do with earthquakes, wind storms, fires, but at some point I realized that me and utility poles are incompatible. When I’m in some communities that have wires strung eveywhere to the house from poles and poles all tilted, it’s all I see, it screws up my feng shui. Buckled sidewalks, weeds in the sidewalks, cracked roads and potholes, these things throw me off. Grocery stores with hobos out front, hate them, liquor stores on every corner and check cashing joints, make me uneasy. I also hate country areas, hate yardwork, hate land unless someone else does the work, I like concrete jungles, I like suburbia, I like it and that’s just that. Am I bad, am I racist, am I afraid, do I need re-education? None of the above, I just like things clean, I’m weird, I get it, so my choices are limited to about 20% of San Diego County if I were to ever live there again. Of my choices, my house would cost about 900k, I could pay it but I don’t want to and I wont be happy living in what 265k buys you in your county. I feel lucky that what I like happens to be cheap, I wish my wine tastes ran cheaper, but I can’t fix that.

You like something different, that’s cool, but trying to make others like what you like is like changing someone’s mind about religion.

Throwing down someone else’s world is never nice, but there are many of us that are completely unhappy if our travels take us south of highway 94, some of us, self included, hit the “get me the hell out of here” button on our gps once we find ourselves too far south. Some people have that feeling about being East of the 5, if they can’t see the ocean they will become depressed, I can’t change them, it’s how they are wired, unfortunately that’s an expensive wiring, but it is what it is.

[temeculaguy]

Bg, your opposition to mello roos can be blinding. Let’s say you had two properties is chula vista, same house, different tracts. One cost 900k and had 1% tax,no hoa, the other cost 265k, had 300 in mr and 100 in hoa. The 900k one costs 4800 P%I, 480 in taxes, grand total (5280 house payment). The second one is 1420+600+100=2120. You still going to tell that young couple you can’t in good conscious sell them a 2120 out the door mortgage because it has extra fees.

If they both cost the same, then it’s not the same decision, but if there is a significant price differential, you need to go math crazy and not just shun something you have an aversion to.

Some of the people that head to temec do for different reasons but most of the posters are looking at about 25% of san diego county, you’d need hot pokers to get them to live in minority dominated communities or areas where english is not the primary language. It’s not right or wrong, let them be happy.

Me, I hate telephone poles, utility poles, it’s a long story, it’s partly irrational, it more about me and some weird bad luck having to do with earthquakes, wind storms, fires, but at some point I realized that me and utility poles are incompatible. When I’m in some communities that have wires strung eveywhere to the house from poles and poles all tilted, it’s all I see, it screws up my feng shui. Buckled sidewalks, weeds in the sidewalks, cracked roads and potholes, these things throw me off. Grocery stores with hobos out front, hate them, liquor stores on every corner and check cashing joints, make me uneasy. I also hate country areas, hate yardwork, hate land unless someone else does the work, I like concrete jungles, I like suburbia, I like it and that’s just that. Am I bad, am I racist, am I afraid, do I need re-education? None of the above, I just like things clean, I’m weird, I get it, so my choices are limited to about 20% of San Diego County if I were to ever live there again. Of my choices, my house would cost about 900k, I could pay it but I don’t want to and I wont be happy living in what 265k buys you in your county. I feel lucky that what I like happens to be cheap, I wish my wine tastes ran cheaper, but I can’t fix that.

You like something different, that’s cool, but trying to make others like what you like is like changing someone’s mind about religion.

Throwing down someone else’s world is never nice, but there are many of us that are completely unhappy if our travels take us south of highway 94, some of us, self included, hit the “get me the hell out of here” button on our gps once we find ourselves too far south. Some people have that feeling about being East of the 5, if they can’t see the ocean they will become depressed, I can’t change them, it’s how they are wired, unfortunately that’s an expensive wiring, but it is what it is.

[temeculaguy]

Bg, your opposition to mello roos can be blinding. Let’s say you had two properties is chula vista, same house, different tracts. One cost 900k and had 1% tax,no hoa, the other cost 265k, had 300 in mr and 100 in hoa. The 900k one costs 4800 P%I, 480 in taxes, grand total (5280 house payment). The second one is 1420+600+100=2120. You still going to tell that young couple you can’t in good conscious sell them a 2120 out the door mortgage because it has extra fees.

If they both cost the same, then it’s not the same decision, but if there is a significant price differential, you need to go math crazy and not just shun something you have an aversion to.

Some of the people that head to temec do for different reasons but most of the posters are looking at about 25% of san diego county, you’d need hot pokers to get them to live in minority dominated communities or areas where english is not the primary language. It’s not right or wrong, let them be happy.

Me, I hate telephone poles, utility poles, it’s a long story, it’s partly irrational, it more about me and some weird bad luck having to do with earthquakes, wind storms, fires, but at some point I realized that me and utility poles are incompatible. When I’m in some communities that have wires strung eveywhere to the house from poles and poles all tilted, it’s all I see, it screws up my feng shui. Buckled sidewalks, weeds in the sidewalks, cracked roads and potholes, these things throw me off. Grocery stores with hobos out front, hate them, liquor stores on every corner and check cashing joints, make me uneasy. I also hate country areas, hate yardwork, hate land unless someone else does the work, I like concrete jungles, I like suburbia, I like it and that’s just that. Am I bad, am I racist, am I afraid, do I need re-education? None of the above, I just like things clean, I’m weird, I get it, so my choices are limited to about 20% of San Diego County if I were to ever live there again. Of my choices, my house would cost about 900k, I could pay it but I don’t want to and I wont be happy living in what 265k buys you in your county. I feel lucky that what I like happens to be cheap, I wish my wine tastes ran cheaper, but I can’t fix that.

You like something different, that’s cool, but trying to make others like what you like is like changing someone’s mind about religion.

Throwing down someone else’s world is never nice, but there are many of us that are completely unhappy if our travels take us south of highway 94, some of us, self included, hit the “get me the hell out of here” button on our gps once we find ourselves too far south. Some people have that feeling about being East of the 5, if they can’t see the ocean they will become depressed, I can’t change them, it’s how they are wired, unfortunately that’s an expensive wiring, but it is what it is.

[Author]

Posts