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  • April 13, 2011 at 9:31 AM in reply to: How shall we buy our first house? #686979
    an
    Participant

    [quote=Scarlett][quote=UCguy]Here is another reason why to buy – giving our age.
    We could choose to give away money to pay PMI for 7-8 years – 38.5 K total over 7.5 years or, to pay rent – 26K per year, times 2.5… > 55K.
    [/quote]

    I think it’s incomplete calculation. Take into account that in those 2.5 years you will pay, what, $1000/mo LESS on housing if you rent. Plus you don’t have to pay any maintenance, higher utilities, HOA, MR, etc.[/quote]
    How do you figure $1000/month less if he rent? A $500k house in PQ/Scripps can probably rent for around $2200-2500, depending on the house. If he put down 10%, aimloan’s rate is @5% w/ 0 points. His monthly payment would be $2400. If you add in tax and insurance, it’ll be ~$3000. If you subtract the tax write off, it should bring it down to around $2500 (depending on tax bracket). This is including paying principal.

    April 13, 2011 at 9:31 AM in reply to: How shall we buy our first house? #687328
    an
    Participant

    [quote=Scarlett][quote=UCguy]Here is another reason why to buy – giving our age.
    We could choose to give away money to pay PMI for 7-8 years – 38.5 K total over 7.5 years or, to pay rent – 26K per year, times 2.5… > 55K.
    [/quote]

    I think it’s incomplete calculation. Take into account that in those 2.5 years you will pay, what, $1000/mo LESS on housing if you rent. Plus you don’t have to pay any maintenance, higher utilities, HOA, MR, etc.[/quote]
    How do you figure $1000/month less if he rent? A $500k house in PQ/Scripps can probably rent for around $2200-2500, depending on the house. If he put down 10%, aimloan’s rate is @5% w/ 0 points. His monthly payment would be $2400. If you add in tax and insurance, it’ll be ~$3000. If you subtract the tax write off, it should bring it down to around $2500 (depending on tax bracket). This is including paying principal.

    April 13, 2011 at 9:21 AM in reply to: How shall we buy our first house? #686153
    an
    Participant

    [quote=captcha][quote=AN]Snowboarding/skiing is not a cheap sport…[/quote]
    Unless you live 30 minutes from a resort :)[/quote]
    Please tell me, what’s more expensive, renting a cabin and share w/ a group of friends or the lift tickets, boards, boots, bindings, jacket, pants, etc. Even if you don’t have to rent a place, how much does it cost to buy the gear and getting lift tickets at a nice mountain?

    April 13, 2011 at 9:21 AM in reply to: How shall we buy our first house? #686210
    an
    Participant

    [quote=captcha][quote=AN]Snowboarding/skiing is not a cheap sport…[/quote]
    Unless you live 30 minutes from a resort :)[/quote]
    Please tell me, what’s more expensive, renting a cabin and share w/ a group of friends or the lift tickets, boards, boots, bindings, jacket, pants, etc. Even if you don’t have to rent a place, how much does it cost to buy the gear and getting lift tickets at a nice mountain?

    April 13, 2011 at 9:21 AM in reply to: How shall we buy our first house? #686833
    an
    Participant

    [quote=captcha][quote=AN]Snowboarding/skiing is not a cheap sport…[/quote]
    Unless you live 30 minutes from a resort :)[/quote]
    Please tell me, what’s more expensive, renting a cabin and share w/ a group of friends or the lift tickets, boards, boots, bindings, jacket, pants, etc. Even if you don’t have to rent a place, how much does it cost to buy the gear and getting lift tickets at a nice mountain?

    April 13, 2011 at 9:21 AM in reply to: How shall we buy our first house? #686974
    an
    Participant

    [quote=captcha][quote=AN]Snowboarding/skiing is not a cheap sport…[/quote]
    Unless you live 30 minutes from a resort :)[/quote]
    Please tell me, what’s more expensive, renting a cabin and share w/ a group of friends or the lift tickets, boards, boots, bindings, jacket, pants, etc. Even if you don’t have to rent a place, how much does it cost to buy the gear and getting lift tickets at a nice mountain?

    April 13, 2011 at 9:21 AM in reply to: How shall we buy our first house? #687323
    an
    Participant

    [quote=captcha][quote=AN]Snowboarding/skiing is not a cheap sport…[/quote]
    Unless you live 30 minutes from a resort :)[/quote]
    Please tell me, what’s more expensive, renting a cabin and share w/ a group of friends or the lift tickets, boards, boots, bindings, jacket, pants, etc. Even if you don’t have to rent a place, how much does it cost to buy the gear and getting lift tickets at a nice mountain?

    April 13, 2011 at 12:23 AM in reply to: How shall we buy our first house? #686010
    an
    Participant

    [quote=jstoesz]
    Haha! sdr, you are correct…

    Now I must brag to defend my lifestyle choices to all the citi-its/tour-ons (sound it out) of SD!

    Last weekend, I spent Saturday skiing 2 feet of Utah quality champagne powder (45 mins from my door) and rounded it out with 10 pitches of glorious sierra trad climbing on sunday (30 mins from my door) while working on my sun tan. So if you want to defend you smog filled traffic jam existence in the over priced crap holdem of sd suburbs…well color me skeptical!

    And make no mistake, this is a normal weekend for me…I am Yosemite bond next weekend for a short route up the backside of half dome![/quote]
    Get back to me when you can eat lunch during the weekday while watching the waves crash against the shores. Or when you can go swimming in your outdoor pool in the middle of winter (was around 70-80 degrees this past Christmas). Or the ability to get Carne Asada Fries on a whim. Snowboarding/skiing is not a cheap sport, so when I do it (2-3 times a year), I rather explore different resort/mountain every time I take a trip. Life’s too short and there are so many great mountains around to keep on going back to the same mountain.

    April 13, 2011 at 12:23 AM in reply to: How shall we buy our first house? #686063
    an
    Participant

    [quote=jstoesz]
    Haha! sdr, you are correct…

    Now I must brag to defend my lifestyle choices to all the citi-its/tour-ons (sound it out) of SD!

    Last weekend, I spent Saturday skiing 2 feet of Utah quality champagne powder (45 mins from my door) and rounded it out with 10 pitches of glorious sierra trad climbing on sunday (30 mins from my door) while working on my sun tan. So if you want to defend you smog filled traffic jam existence in the over priced crap holdem of sd suburbs…well color me skeptical!

    And make no mistake, this is a normal weekend for me…I am Yosemite bond next weekend for a short route up the backside of half dome![/quote]
    Get back to me when you can eat lunch during the weekday while watching the waves crash against the shores. Or when you can go swimming in your outdoor pool in the middle of winter (was around 70-80 degrees this past Christmas). Or the ability to get Carne Asada Fries on a whim. Snowboarding/skiing is not a cheap sport, so when I do it (2-3 times a year), I rather explore different resort/mountain every time I take a trip. Life’s too short and there are so many great mountains around to keep on going back to the same mountain.

    April 13, 2011 at 12:23 AM in reply to: How shall we buy our first house? #686687
    an
    Participant

    [quote=jstoesz]
    Haha! sdr, you are correct…

    Now I must brag to defend my lifestyle choices to all the citi-its/tour-ons (sound it out) of SD!

    Last weekend, I spent Saturday skiing 2 feet of Utah quality champagne powder (45 mins from my door) and rounded it out with 10 pitches of glorious sierra trad climbing on sunday (30 mins from my door) while working on my sun tan. So if you want to defend you smog filled traffic jam existence in the over priced crap holdem of sd suburbs…well color me skeptical!

    And make no mistake, this is a normal weekend for me…I am Yosemite bond next weekend for a short route up the backside of half dome![/quote]
    Get back to me when you can eat lunch during the weekday while watching the waves crash against the shores. Or when you can go swimming in your outdoor pool in the middle of winter (was around 70-80 degrees this past Christmas). Or the ability to get Carne Asada Fries on a whim. Snowboarding/skiing is not a cheap sport, so when I do it (2-3 times a year), I rather explore different resort/mountain every time I take a trip. Life’s too short and there are so many great mountains around to keep on going back to the same mountain.

    April 13, 2011 at 12:23 AM in reply to: How shall we buy our first house? #686829
    an
    Participant

    [quote=jstoesz]
    Haha! sdr, you are correct…

    Now I must brag to defend my lifestyle choices to all the citi-its/tour-ons (sound it out) of SD!

    Last weekend, I spent Saturday skiing 2 feet of Utah quality champagne powder (45 mins from my door) and rounded it out with 10 pitches of glorious sierra trad climbing on sunday (30 mins from my door) while working on my sun tan. So if you want to defend you smog filled traffic jam existence in the over priced crap holdem of sd suburbs…well color me skeptical!

    And make no mistake, this is a normal weekend for me…I am Yosemite bond next weekend for a short route up the backside of half dome![/quote]
    Get back to me when you can eat lunch during the weekday while watching the waves crash against the shores. Or when you can go swimming in your outdoor pool in the middle of winter (was around 70-80 degrees this past Christmas). Or the ability to get Carne Asada Fries on a whim. Snowboarding/skiing is not a cheap sport, so when I do it (2-3 times a year), I rather explore different resort/mountain every time I take a trip. Life’s too short and there are so many great mountains around to keep on going back to the same mountain.

    April 13, 2011 at 12:23 AM in reply to: How shall we buy our first house? #687178
    an
    Participant

    [quote=jstoesz]
    Haha! sdr, you are correct…

    Now I must brag to defend my lifestyle choices to all the citi-its/tour-ons (sound it out) of SD!

    Last weekend, I spent Saturday skiing 2 feet of Utah quality champagne powder (45 mins from my door) and rounded it out with 10 pitches of glorious sierra trad climbing on sunday (30 mins from my door) while working on my sun tan. So if you want to defend you smog filled traffic jam existence in the over priced crap holdem of sd suburbs…well color me skeptical!

    And make no mistake, this is a normal weekend for me…I am Yosemite bond next weekend for a short route up the backside of half dome![/quote]
    Get back to me when you can eat lunch during the weekday while watching the waves crash against the shores. Or when you can go swimming in your outdoor pool in the middle of winter (was around 70-80 degrees this past Christmas). Or the ability to get Carne Asada Fries on a whim. Snowboarding/skiing is not a cheap sport, so when I do it (2-3 times a year), I rather explore different resort/mountain every time I take a trip. Life’s too short and there are so many great mountains around to keep on going back to the same mountain.

    April 12, 2011 at 10:09 PM in reply to: How shall we buy our first house? #685960
    an
    Participant

    [quote=bearishgurl][quote=AN]Here’s where I got those numbers from: http://www.redfin.com/homes-for-sale#!lat=33.05931449476239&long=-116.85831162388155&market=socal&min_price=500000&v=6&zoomLevel=10%5B/quote%5D

    The >$500K listing stats I got from your link are these:

    1360 San Diego
    1840 NCC
    610 NCI
    310 East County
    230 South County[/quote]
    And the total is still similar to my original point.

    April 12, 2011 at 10:09 PM in reply to: How shall we buy our first house? #686013
    an
    Participant

    [quote=bearishgurl][quote=AN]Here’s where I got those numbers from: http://www.redfin.com/homes-for-sale#!lat=33.05931449476239&long=-116.85831162388155&market=socal&min_price=500000&v=6&zoomLevel=10%5B/quote%5D

    The >$500K listing stats I got from your link are these:

    1360 San Diego
    1840 NCC
    610 NCI
    310 East County
    230 South County[/quote]
    And the total is still similar to my original point.

    April 12, 2011 at 10:09 PM in reply to: How shall we buy our first house? #686637
    an
    Participant

    [quote=bearishgurl][quote=AN]Here’s where I got those numbers from: http://www.redfin.com/homes-for-sale#!lat=33.05931449476239&long=-116.85831162388155&market=socal&min_price=500000&v=6&zoomLevel=10%5B/quote%5D

    The >$500K listing stats I got from your link are these:

    1360 San Diego
    1840 NCC
    610 NCI
    310 East County
    230 South County[/quote]
    And the total is still similar to my original point.

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Viewing 15 posts - 5,281 through 5,295 (of 17,657 total)
1 2 3 … 352 353 354 … 1,176 1,177 1,178