[an]

[quote=UCGal]Each kid is different. Some are self motivated, others not. Each kid has their own level of aptitude, also.

My kids are both pretty bright… but VERY different from each other. Not sure about the free range thing for the younger one.[/quote]
I totally agree. Every kids is different, so as a parent, you have to know when to take the reign and when to let them free. There’s no single answer. However, they all need guidance. There are life lessons that you can pass on to your kids to prevent them from experiencing the same mistake you made. Also, being there for them makes a huge difference. Although SK in CV doesn’t want to take credit, him being there for his kids makes a huge difference.

SK in CV, do you think your kids would turn out the same way if you and your wife never gone to any of those events?

[an]

[quote=walterwhite]Maybe doing less is actually more difficult.[/quote]
IT really depends on who you are and what’s your personality. There are plenty of people who do less and want to do less because it’s easier. It’s only difficult if you want to do more but refraining from doing so. It’s also difficult if you don’t want to do more but force yourself to do more. I’ve seen smart kids who do well in school even when their parents do not push them (but I feel like they could do much more with their natural potential). I also see their siblings who are not as gifted floundering because their parents are not pushing them. I’m sure there are kids who resent their parents for pushing them too hard but at the end of the day. So, at the end of the day, do whatever make you happy. If you take a poll, I’m sure most kids would love it if their parents not push them.

[an]

$1500 fee (is that including 3rd party fee or is that just lender’s fee?). How much money do you save a month? Do you expect rates to drop again?

[an]

[quote=CDMA ENG]Yes… You are correct but it is only because VZW has decided to play silly games. I really don’t know what they are afraid of… Even ATTs CEO said ATT wont catch up for years… The LTE its self is not any different.

As for the speculation it is speculation but there is a long history of companies doing this and in the end capitulating…

The device today are just different models of the same device so getting a phone on another network is kind of a mute point… There is an equilivent at the competitions…

Lastly, and you are probably aware of this… No matter who you go with the voice part of the phone is still on a 3G network… So for ATT your voice calls are still on UMTS… VZW… CDMA… With the data portion of being done by LTE…

BUT here is the dirty little seceret about that… For CMDA phones the smart phones monitor the EVDO channel… That channel burts a 16 Watt pilot as compared to the 2.4 Watt pilot of its voice equilavent… What the phone really tells in “in bars” is Signal to Noise… Now remember your phone is monitoring the Data channel and it is telling you the coverage in terms of the data channel… Problem is that unless Data usage is really heavy on your serving cell the Data coverage appears better than your voice!

I am not positive but I believe the LTE will work similiar until the network loads up and drive the SNR down.

What I am saying is don’t let the data network fool you into thinking your voice coverage is better…

If you really want LTE go VZW… By the time your contract is up… ATT will be everywhere and you will have your options! Plus VZW scores much higher interms of Network quality for SD County.

Regards AN.

CE[/quote]
An updated article on this LTE incompatibility topic: http://www.engadget.com/2011/12/11/wherever-i-wander-wherever-i-roam-lte-probably-wont-work/

It seems like it’s more than just stupid companies not wanting to play nice. Here’s an excerpt:
[quote=article]A report by Wireless Intelligence predicts there’ll be 200 LTE networks around the world by 2015, running on as many as 38 different frequency combinations. Moreover, the most common 700-900MHz spectrum range could account for just 16 percent of these networks. This stands to make carrier locking and band incompatibility on handsets even bigger hassles than they are today.[/quote]

[an]

Rates are different for everybody, so you have to get rate from that broker and find out. Whether its worth it to refi after 4 months, it depend on how much it’ll cost you to refi and how much did you pay for the last refi and where are you expecting rates to go. We need more info.

[an]

Check out this plumber I use:

Matt Gast
619-937-1564
[email protected]

[an]

Just came back from Carlsbad outlet. Banana Republic are having some sweet deals on clothes. Men polo for $9.90, t-shirt for $8.xx, dress pants for $27.xx, etc. I consider those deals to be very hot.

[an]

I never drove through LA on the 23rd. But I always dread driving through LA. I always start my drive at around 10-11PM. By the time I get to LA, it’s 12-1AM. That give me the best chance of not hitting LA traffic. Also, if you have a 2nd person, I would recommend taking at least the 405, since it have carpool most of the way, except around UCLA area. If you’re a early riser, you can try do start your drive at 3AM instead and have an early sleep the night before.

[an]

[quote=sdrealtor]To answer the OP question….it sucks[/quote]
Nice 🙂

[an]

[quote=Rich Toscano][quote=briansd1]Actually, it depends on the holding period.

When I hear people say “we want move up in 5 years” I wonder why they would take on more costly loans.

I believe there’s is more psychology/animal spirits in people decisions that rationale.[/quote]

Because there is a difference in wanting to move in 5 years and being forced to… or, put another way, getting the fixed rate opens up the option to keep the property longer than originally intended.[/quote]
Some people don’t want that option though? So the additional cost to have that option is not worth it. I agree that there’s a difference in wanting vs forcing to move, but you’re not being forced to move if you get an ARM. You just have to pay extra for that want if you change your mind (assuming rates goes up from here). Everyone’s situation is different and there are a lot of calculation to determine where’s the break even point between ARM vs fixed in term of how long you want to stay.

[an]

[quote=briansd1]Actually, it depends on the holding period.

When I hear people say “we want move up in 5 years” I wonder why they would take on more costly loans.

I believe there’s is more psychology/animal spirits in people decisions that rationale.[/quote]
Agree, get the loan that’s fixed for the duration of your planned stay. If you plan to move in 10 years, get a 10/1 ARM, not a 5/1 ARM. No point in paying more for a 30 year fixed as you said.

[an]

[quote=bearishgurl]I think it is self-defeating for a homeowner to serially refinance, fold the closing costs into the new mtg every time and start all over again every 1-3 yrs, but that is just me :={[/quote]
The biggest difference is, 25-30 years ago, rates were well above the historical average. Today, it’s well below the historical average. Common sense tell me we always revert back to the historical average. So, getting a 30 year fixed at 4% or an ARM at 3%, when historical average is around 8%, is the risk really worth 1%? How long do you see ARM staying below 4%?

[an]

Yep, saw that awhile ago. Wasn’t too surprised about Sorrento Valley. Most of SV was built at the bottom of the last cycle and it doesn’t seem to have too many changing hand at the peak. You can tell by the supply in SV as well. It seems like most are staying put and retiring there.

[an]

Here are all the SFR in CV without HOA:
http://www.sdlookup.com/Real_Estate-Carmel_Valley-Houses_For_Sale-92130?srtcol=11

[an]

[quote=captcha]Indeed. But between being single-income by choice and dual-income by necessity which one would you pick? And weren’t you the one who brought up the 4% unemployment rate among people with 4-year college degree? So, is it hard or not to get a job if you are well educated?[/quote]Yes, but that 4% is for people who are currently employed. I read/hear a lot about people who have been out of work for >6 months have a much harder time finding a job.
[quote=captcha]I don’t know how many put 25% down. JimTheRealtor publishes numbers like that for few costal areas. Back in June 13% of sales were with less than 20% down and 44% put 30% or more.

I did not say anyone. Get-rich-quick people that got flushed probably did have those. Or maybe not since they likely were not college educated. Looking at my cul-de-sac, there are two retired military officers, two active duty military officers, 7-8 engineering immigrants mostly in mid-level managerial positions. That’s what I see when I look around.[/quote]True, but how much of those high down payment is in the $400k-600k range? How many retired people do you know retire in a $400k-600k house in 4S, vs 1st time home buyers? I would assume the $400k-600k range are the first time home buyers and the $600k+ is the retiree and middle management people. Is your cul-de-sac in the $400-600k range or the $600k+ range?
[quote=captcha]Your numbers are off. My first-hand experience says that a family of four can carry $400K mortgage, put $20K in 401k+IRA, travel to Europe, make several ski trips to Big Bear, own two cars, have two kids enrolled in 7 year-round activities combined, dine out at least twice/month, see a dentist twice/year, pay an extra payment or two on the mortgage, and still easily save $1K/month on $125K/year.[/quote]My numbers are not off, you’re just putting in $23k/year less than my numbers, which is maxing out of 401k + IRA for both spouses ($16.5k each for 401k and $5k each for IRA). BTW, I didn’t add in college fund either.
[quote=captcha]That’s OK. Some people are fiscally conservative and some are even more fiscally conservative.[/quote]That’s true, I just never consider myself to be in the “even more fiscally conservative” range. That label would be more fitting with my parents.

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