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Participant[quote=njtosd][quote=ocrenter]
it’s just a way to try to manage “overusers” of the system.[/quote]
Yup. If there was no cost to going to the doctor, people would be there everyday.[/quote]
Maybe few. But people mostly avoid doctors. Waiting in the waiting room followed by some more waiting in the cubicle combined with increased chances of leaving sick is not appealing to everyone.
IMO there should be few no-copay visits/year in addition to the one annual well-check, especially for kids. Once I was forced to bring 3rd kid to see the doctor a couple of days after the other two were diagnosed with stomach flu and given some anti-nausea medicine. I had to leave the office, drag the sick kid around for a 30 second chat with the doctor and pay $50 for the pleasure. She got the same medicine the other two got.
Participant[quote=moneymaker]I’m glad I don’t have Kaiser. So seems like doctors don’t make enough money so they need a co-pay, or is it just mutually agreed between doctors and insurance companies that it is a way to improve their bottom line. I’m not saying other companies don’t gouge similarly, and I know it’s not much compared to the $400-$500 charge for that 15 minute visit, but where is the accounting? Sounds like Kaiser is on the ball, maybe because they control everything from end to end, I’m just saying I don’t think your average doctor is going to turn you down because they are not getting their co-pay, like everything in life I believe it is negotiable. Just like the insurance deductible analogy it is to keep claims down.[/quote]
The co-pay is factored in your monthly premium. You can get $0 copay (a friend of mine works for the federal government and he and his family have that kind of plan) and pay higher monthly premium, or pay $50 co-pay and have lower premium.
My company covers the cost of premium (for the entire family), but my co-pay went up from $10 to $50 over the last 10 years.ParticipantAt Scripps they often don’t collect it upfront, they bill you instead.
Participant[quote=flu]Was nice knowing you….
Hello Pandora….. You’re next….Mhahahhahahaah![/quote]
That seems reasonable. But so did the proclamation of FB demise a year ago.Participant[quote=earlyretirement]
There were some STEALS back then. I remember seeing some HUGE houses in the $1 million range. People that picked them up at the lows must be happy. The area is really great but I was always curious how it was back there. [/quote]I made a couple of offers in 2008-2009. The lady of the house thought we would be stretching, the area is not walkable and it would be too much hassle to maintain the house and the yard, so I gave up.
Participant[quote=Jazzman]I’m confused about which bubble we’re talking; the bond bubble, or as someone termed it RE bubble II? Notwithstanding the recent comments about the postponements of tapering, I don’t know why anyone would still be in bonds, given the clear market signal in June of this year.[/quote]
What’s the alternative if you have few hundred K’s in a 401k account and no cash or cash-equivalent option?
Participant[quote=earlyretirement]
Quick question for those of you that have been living here for a while? That back road on Winecreek Road, was it always a gated community? I don’t recall a few years ago there being a gate around the community. Is that new or has that always been there?I remember back in 2010 there were many houses in severe distress back there and the sales prices were very low relative to the lot and home sizes. I believe that is where Romney’s son bought a place. Has that always been gated? I tried driving around there the other day and saw it gated. Is that new? Thanks in advance.[/quote]
The subdivision is named Ivy Gate. Yes, it was gated since the day one. Romney (Matt?) owns there. Another son of Mitt’s lives in the area, possibly the same subdivision and they have few relatives in 4S.
The hotel probably makes less sense with no golf course, but they will try to build something and I am not sure how easy it is to make major changes in the plan.
Participant[quote=earlyretirement]
Yes, I am aware of the original plans for that Golf Course but as mentioned, I doubt that will ever happen. I do understand it was cancelled but I didn’t know if you were trying to imply it was a possibility for the future.As far as the 300 room hotel. Where is that supposed to go? I’m not sure about the financing plan for 2013 but it’s already September 2013. Where do they propose to do that?[/quote]
No, I don’t think they will put the north golf course back in plan. If you look at the map you can see the intended location and it does not look like anything is replacing it.2013 financing plan just lists the hotel as a TBD item, it was not supposed to be completed during 2013FY. The plan was last amended in 2009 and it is available here.
The senior center you mentioned earlier is in the plan – look at the map on p.34 and p.47. The employment center is supposed to go right next to the shopping center, all the way to the north.I can’t locate the hotel on any of the maps. Based on the available info it will likely go in the far eastern corner of the north village – across the street from Ivy Gate and Oak Valley middle school.
Participant[quote=earlyretirement][quote=all]
Black Mountain Ranch (Santaluz + Del Sur) is supposed to have 300-room resort. The plan was to have two golf courses, one in Santaluz and one (public) in Del Sur. The resort was supposed to be adjacent to the north course. The Del Sur golf course was scrapped few years ago (commercial sqft was increased instead), but the resort is still on. That’s one possibility. The other is another high-end subdivision similar to Ivy Gate.[/quote]
I don’t see this ever happening. Santaluz’s Golf course is really nice. I don’t see anything like that ever coming and Del Sur will never see a golf course. Not sure about the resort but I don’t see that happening either.[/quote]
Did you confuse me with BG?
Del Sur had a fee-based public golf course planned and it was supposed to designed by the same team that designed the Santaluz golf course. You can see an overview of the original plan for Black Mountain Ranch here: http://www.blackmountainranch.com/Open/projdesbody.htm
The north golf course was canceled few years ago. And based on the financing plan for FY2013 the 300-room hotel is still on:
Residential
The anticipated remaining residential development for Black Mountain Ranch is estimated at 2,694 dwelling units. A list of the types and amount of planned residential development can be found in Table 1 on page 6.
Non-residential
The anticipated remaining non-residential development for Black Mountain Ranch is projected to be 225,000 Commercial and 515,000 Employment/Office square footage, and 13.2 Institutional acres, and 300 hotel rooms.http://www.sandiego.gov/facilitiesfinancing/pdf/plans/bmrelement121221.pdf
Participant[quote=Essbee]
ER, can you give a little more info? What is the location of this Assisted Living facility? Is it behind the gates of Santaluz, or elsewhere? The reason I ask is because I am wondering if it is the ongoing development on the north side of Carmel Valley Road, between the Black Mountain Community Park with the baseball fields, and the turnoff for Ivy Gate? Someone told me that they had heard that it might be developed as senior living, but it seems like an odd location and it looks like they are building small homesites rather than configuring the land to accommodate a large footprint building.I am very interested in local issues but my free time is almost nil, unfortunately.[/quote]
Black Mountain Ranch (Santaluz + Del Sur) is supposed to have 300-room resort. The plan was to have two golf courses, one in Santaluz and one (public) in Del Sur. The resort was supposed to be adjacent to the north course. The Del Sur golf course was scrapped few years ago (commercial sqft was increased instead), but the resort is still on. That’s one possibility. The other is another high-end subdivision similar to Ivy Gate.
Participant[quote=barnaby33]The gym is as much a social experience as about working out.[/quote]
Where other than the men’s locker room can you rub elbows with totally naked 60y old 250+ pounder?
ParticipantIf you can put 1,200 sf of tile you can also get few cans of orange peel and DIY the texture.
Participant[quote=bearishgurl][quote=all][quote=bearishgurl]SK, I was referring to outlying areas. Carmel Valley is not really outlying, and, in any case, a portion of its MR bonds should now be ~10 years from maturity/retirement.[/quote]And no true Scotsman…[/quote]
What about the subdivisions which were built in Carmel Valley in the very early nineties??
[quote=all]Carmel Valley is not outlying, but the area right next to it is?[/quote]
Yes.
[/quote]
Carmel Mountain Ranch was built in very early nineties, it is in PUSD and there is MR. Santaluz is halfway between CMR and CV, about three miles from either. Another 3 miles from a business park that hosts Sony, Nokia, Broadcom, HP… Santaluz is an outlying area only if you are observing the world from a Tijuana suburb.
[quote=bearishgurl]
captcha, my understanding is the Prop C bonds are paid by ALL property owners within the PUSD. If you own there, take a look at your last tax bill.[/quote]You are misunderstanding again.
Participant[quote=bearishgurl]
SK, I was referring to outlying areas. Carmel Valley is not really outlying, and, in any case, a portion of its MR bonds should now be ~10 years from maturity/retirement.
[/quote]
And no true Scotsman…Carmel Valley is not outlying, but the area right next to it is?
[quote=bearishgurl]
Here’s a question for the PUSD Board: “If you purport to currently have a ~$168M “surplus” in MR bond revenue, then, pray tell, why aren’t you using most of it to pay down the ill-fated Prop C monies you borrowed at subprime interest rates??”
[/quote]MR is to be used to build and maintain the infrastructure in the covered area. Prop C money is for the schools outside the MR areas.
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