[an]

Yes, there are places like that. My house is 2 blocks away from a elementary schoo, 5 blocks away from the middle school, 6 blocks away from the High school, 6-8 blocks away from a Vons, an Asian supermarket, a Target, a CVS, Wallgreen, various different ethnic foods, various different fast food chain and sit down restaurants, doctors, dentists, optometrist, pet store, gas stations, sporting goods store. We’re also 2 miles from 2 award winning microbreweries. I’m 3 miles from work.

[an]

[quote=Oni Koroshi]Wow, that’s an amazingly low cost for wood floor installation. Was it floated on a plywood subfloor? I’m guessing that’s not including the installation materials because I paid about that for just the glue and moisture barrier, not including all the time and effort it took to get my concrete subfloor flat.

Back on topic, if you’re taking the time and money to get rid of the old tile, why go with laminate? I know not everyone has a huge budget but in the long run, wouldn’t it be better to save a little longer and get real wood?[/quote]
It’s floated on moisture barrier. It’s also on concrete. Yes, that price is labor only. Materials are extra.

I agree that everyone might not have the budget to do it, but my personal experience is that, the biggest cost of the project is usually the labor, so upgrading to high end real bamboo was a no brainer for me.

[an]

It depends on who you hire, but I got tiles rip out for $1/sq-ft. I got my bamboo flooring installed for $1.50/sq-ft.

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http://www.so.cl/#
http://www.autoblog.com/
http://www.engadget.com/
http://techcrunch.com/
http://www.anandtech.com/
http://www.fatwallet.com/forums/hot-deals/
http://slickdeals.net/forums/forumdisplay.php?sduid=0&f=9

These are some of my frequently visited sites.

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[quote=blake]What’s the chance that one day you will be asked to pay your “fair share” of tax on your Roth withdrawal if it reaches a certain threshold?[/quote]
The day they can retroactively change the rule like that is the day I’ll buy gold bar and stick them somewhere safe.

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[quote=flu]Doing full roth hurts me way too much after tax. And I have concerns doing full traditional (paying too much taxes later on)…Then again, the entire economy could blow up, and nothing matters.

Looks like we’re starting earning seasons, and while numbers look ok, I guess expectations are out of wack…[/quote]
Like I said, it depend on your tax situation. When I did full Roth, we weren’t making that much, so even with full Roth, my effective tax rate was only 7-8%. I don’t mind doing full traditional right now, since my traditional bucket isn’t huge, so even when RMD kicks in, it won’t affect my tax much. Now, when the balance of that bucket gets big enough, then I might reconsider doing 1/2 and 1/2. One advantage of traditional is, lets say I decide to retire early at 55. The next year, I can do a conversion and my tax rate would be much lower than if I do Roth today, since my income for that year would be near $0 + the conversion amount.

[an]

[quote=flu]I don’t know, but at my company we have the ability to split our contributions between a traditional 401k and a roth 401k… I kinda do both, although right now, part of my contributions go to repaying a loan.[/quote]
I totally agree about tax diversification. I was doing Roth for a few years and now I’m doing traditional. It depends on my tax bracket for that year and the balance of the roth vs traditional bucket.

[an]

dup.

[an]

Very cool. I wonder how many people are actually taking advantage of this increase.

[an]

[quote=bearishgurl]I agree with Rus that multi-generational living is okay for some families (ESP those needing “free” day care for young kids and/or help on a farm).[/quote]
It’s not about need but want. If you live in multi-generational household because you need something from the other person, then it probably won’t last too long and you’ll get on each other nerve some how. It’ll only work if 2-3 generations actually want to live together to help improve each other’s lives.

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[quote=Blogstar]My kids are already each well on the way to being either smarter or better than I will ever be and possibly(hopefully) both. I am not sure who has control of that. I will try for their betterment from where they are at anyway. I just don’t philosophically tie that to abject wealth as much as you do.[/quote]
Wealth is only one variable. It’s just that wealth is the one variable with as a parent, you can make the most impact. IQ is out of our control. Same with personality.

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[quote=Blogstar] Seems like a lot of parents are in the business of choosing their kid’s standard of living every single day of their lives. Heaven forbid they take the family tradition of achievement and materialism a step backwards.[/quote]My dad always told me, he’s successful as a parent if I’m better/smarter than he is, if my life is more successful than his. His decisions in life surrounds making my life better than his. I’m following his foot step and I’m giving my kids all the advantages I didn’t have. Hoping that they’ll make good use of those advantages and have more success than I do. Wealth takes time (generations) to build up, unless you’re lucky and blessed like Bill Gates or Steve Jobs. So, I’m building on top of my parents success and hoping my kids will do the same.

[an]

[quote=ocrenter]Again, MM doesn’t fit because of the Asian exception.[/quote]
But the Asian student population hasn’t increased over the last 10 years while the Hispanic student population has more than double. So MM doesn’t fit the Asian exception. If anything, there seems to be a Hispanic exception going on in MM.

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[quote=enron_by_the_sea][quote=AN] Then there’s the coveted San Dieguito. SDUSD’s top 4 average out higher than SDUH 4 HS. What’s also funny is, MMHS, which is #6 in SDUSD scores better than 2 out of the 4 HS in SDUH.[/quote]

My theory is that opening up of Canyon Crest has resulted into lowering of APIs of all the other HS of SDUH. Now there might be a new dynamic where all the high scoring student body in SDUH could be herding themselves into Canyon Crest, thereby resulting to very high API for Canyon Crest; but lower API for TPHS.

To some extent this dynamic plays into SDUSD also. Because of Choice and seminar and so on, I see many motivated parents moving their kids into Scripps Ranch schools (and eventually buying here when they realize that dropping off kids every day is such a waste of time.) This results into higher API for Scripps Ranch and lower API for say Mira Mesa.[/quote]I can’t speak for SDUH, but for MMHS vs SRHS, I would have to debunk that assumption. SRHS has always been scoring higher than MMHS as far back as I remember (well over a decade) and I’m a MMHS alumni. So, I wouldn’t attribute Choice and Seminar and so on to the reason why SRHS scores higher than MMHS. Also, SRHS have been open for many years now, so it shouldn’t change the gap. The gap is actually narrowing between MMHS and SRHS.

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[quote=Blogstar]On the low end that’s a pretty safe general bet.
How do children with parents with bachelors degrees do against those with parents of higher education?
I don’t think there is a lot of difference. In at least some cases the kids of parents with 4 year degrees do better as a block, by district. Safe to presume net worth/incomes (socioeconomics) are higher with education?[/quote]
Totally agree about the low end general bet and the difference between kids with parents with BS/BA degrees vs graduate degrees.

However, I don’t think it’s safe to presume net worth/incomes are higher education. A PhD in history/liberal arts/english/etc. probably won’t make more than a BS in Computer Science/Computer Engineering.

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