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bearishgurl
ParticipantCAR, perhaps your friend’s anguish of her Marine spouse leaving AGAIN for a war-zone is rubbing off on her young kids. She and all her eligible family members can use Tricare and/or Tricare Prime for low cost counseling, each with their own psychologist. Some practitioners will even counsel the parent and child(ren) together. She needs to get involved in the network of help available to her.
My ex-spouse joined in 1974, during the end of the Vietnam war. He was assigned to several ships which toured the Indian Ocean and the Persian Gulf frequently and visited foreign war zones on the ground for humanitarian purposes, where disease was rampant, such as Mogadishu in Somalia. No, we did not have the back-to-back conficts like today (Afghanistan and Iraq) but nevertheless, he was deployed without access to e-mail, video or a pay phone. GONE IS GONE. It took 3 wks. to 3 mos. to get a letter from him and a Morse Code message to the ship was answered by the command within a week, ONLY if important. These messages had to be sent from an office in downtown SD (meter pkg.) and the sender had to prepare it first and be present to send it by first waiting in a long line.
Yes, CAR, you are correct that housing prices were 50% lower 15 years ago, but interest rates were higher and I stand by my assertion that military families today in SD receive THREE TIMES the housing allowance we did, for the same rank. We have truly come a long way in the care of military families and IMO, they are very well provided for.
ParticipantCAR, perhaps your friend’s anguish of her Marine spouse leaving AGAIN for a war-zone is rubbing off on her young kids. She and all her eligible family members can use Tricare and/or Tricare Prime for low cost counseling, each with their own psychologist. Some practitioners will even counsel the parent and child(ren) together. She needs to get involved in the network of help available to her.
My ex-spouse joined in 1974, during the end of the Vietnam war. He was assigned to several ships which toured the Indian Ocean and the Persian Gulf frequently and visited foreign war zones on the ground for humanitarian purposes, where disease was rampant, such as Mogadishu in Somalia. No, we did not have the back-to-back conficts like today (Afghanistan and Iraq) but nevertheless, he was deployed without access to e-mail, video or a pay phone. GONE IS GONE. It took 3 wks. to 3 mos. to get a letter from him and a Morse Code message to the ship was answered by the command within a week, ONLY if important. These messages had to be sent from an office in downtown SD (meter pkg.) and the sender had to prepare it first and be present to send it by first waiting in a long line.
Yes, CAR, you are correct that housing prices were 50% lower 15 years ago, but interest rates were higher and I stand by my assertion that military families today in SD receive THREE TIMES the housing allowance we did, for the same rank. We have truly come a long way in the care of military families and IMO, they are very well provided for.
Participantscaredy, I know some of the active agents here would probably disagree with me, but whatever and wherever the property is, DO NOT OVERBID ON IT. Do not, under any circumstances, get emotionally attached to a property before closing escrow on it. Have a ceiling and always be willing to walk away. If you find yourself making full-price offers and constantly losing to overbids, shore up your position with more cash down and a higher FICO score, whatever it takes, so that you can obtain a property at a decent, fair price (which is 2002 level or before in most zips). This is absolutely necessary because we are in a FALLING market and will be for some time to come.
These banks want to get the property off their books ASAP. A buyer with no lending issues and no contingencies is what they want more than getting a certain price.
It’s just like a asking for a raise, the best salary deals are made BEFORE you accept the job.
IMO, there are a very few exceptions to this rule: properties in 92118, 92106, 92107, 92109 and 92037 with unobstructed views of downtown SD or a whitewater view from INSIDE the property (NOT views of Mission Bay or SDGE/phone line easements). I would surmise that listed properties in these locales don’t typically have multiple bids coming in all at once, anyway due to their prohibitive price ranges.
Can’t comment here on any desirable locations in North County where overbidding may be a necessary evil but maybe some other Pigg can.
Participantscaredy, I know some of the active agents here would probably disagree with me, but whatever and wherever the property is, DO NOT OVERBID ON IT. Do not, under any circumstances, get emotionally attached to a property before closing escrow on it. Have a ceiling and always be willing to walk away. If you find yourself making full-price offers and constantly losing to overbids, shore up your position with more cash down and a higher FICO score, whatever it takes, so that you can obtain a property at a decent, fair price (which is 2002 level or before in most zips). This is absolutely necessary because we are in a FALLING market and will be for some time to come.
These banks want to get the property off their books ASAP. A buyer with no lending issues and no contingencies is what they want more than getting a certain price.
It’s just like a asking for a raise, the best salary deals are made BEFORE you accept the job.
IMO, there are a very few exceptions to this rule: properties in 92118, 92106, 92107, 92109 and 92037 with unobstructed views of downtown SD or a whitewater view from INSIDE the property (NOT views of Mission Bay or SDGE/phone line easements). I would surmise that listed properties in these locales don’t typically have multiple bids coming in all at once, anyway due to their prohibitive price ranges.
Can’t comment here on any desirable locations in North County where overbidding may be a necessary evil but maybe some other Pigg can.
Participantscaredy, I know some of the active agents here would probably disagree with me, but whatever and wherever the property is, DO NOT OVERBID ON IT. Do not, under any circumstances, get emotionally attached to a property before closing escrow on it. Have a ceiling and always be willing to walk away. If you find yourself making full-price offers and constantly losing to overbids, shore up your position with more cash down and a higher FICO score, whatever it takes, so that you can obtain a property at a decent, fair price (which is 2002 level or before in most zips). This is absolutely necessary because we are in a FALLING market and will be for some time to come.
These banks want to get the property off their books ASAP. A buyer with no lending issues and no contingencies is what they want more than getting a certain price.
It’s just like a asking for a raise, the best salary deals are made BEFORE you accept the job.
IMO, there are a very few exceptions to this rule: properties in 92118, 92106, 92107, 92109 and 92037 with unobstructed views of downtown SD or a whitewater view from INSIDE the property (NOT views of Mission Bay or SDGE/phone line easements). I would surmise that listed properties in these locales don’t typically have multiple bids coming in all at once, anyway due to their prohibitive price ranges.
Can’t comment here on any desirable locations in North County where overbidding may be a necessary evil but maybe some other Pigg can.
Participantscaredy, I know some of the active agents here would probably disagree with me, but whatever and wherever the property is, DO NOT OVERBID ON IT. Do not, under any circumstances, get emotionally attached to a property before closing escrow on it. Have a ceiling and always be willing to walk away. If you find yourself making full-price offers and constantly losing to overbids, shore up your position with more cash down and a higher FICO score, whatever it takes, so that you can obtain a property at a decent, fair price (which is 2002 level or before in most zips). This is absolutely necessary because we are in a FALLING market and will be for some time to come.
These banks want to get the property off their books ASAP. A buyer with no lending issues and no contingencies is what they want more than getting a certain price.
It’s just like a asking for a raise, the best salary deals are made BEFORE you accept the job.
IMO, there are a very few exceptions to this rule: properties in 92118, 92106, 92107, 92109 and 92037 with unobstructed views of downtown SD or a whitewater view from INSIDE the property (NOT views of Mission Bay or SDGE/phone line easements). I would surmise that listed properties in these locales don’t typically have multiple bids coming in all at once, anyway due to their prohibitive price ranges.
Can’t comment here on any desirable locations in North County where overbidding may be a necessary evil but maybe some other Pigg can.
Participantscaredy, I know some of the active agents here would probably disagree with me, but whatever and wherever the property is, DO NOT OVERBID ON IT. Do not, under any circumstances, get emotionally attached to a property before closing escrow on it. Have a ceiling and always be willing to walk away. If you find yourself making full-price offers and constantly losing to overbids, shore up your position with more cash down and a higher FICO score, whatever it takes, so that you can obtain a property at a decent, fair price (which is 2002 level or before in most zips). This is absolutely necessary because we are in a FALLING market and will be for some time to come.
These banks want to get the property off their books ASAP. A buyer with no lending issues and no contingencies is what they want more than getting a certain price.
It’s just like a asking for a raise, the best salary deals are made BEFORE you accept the job.
IMO, there are a very few exceptions to this rule: properties in 92118, 92106, 92107, 92109 and 92037 with unobstructed views of downtown SD or a whitewater view from INSIDE the property (NOT views of Mission Bay or SDGE/phone line easements). I would surmise that listed properties in these locales don’t typically have multiple bids coming in all at once, anyway due to their prohibitive price ranges.
Can’t comment here on any desirable locations in North County where overbidding may be a necessary evil but maybe some other Pigg can.
ParticipantThanks for your direction, Ricechex. I don’t know what all these installations are called now in these (now heavily remodeled and upgraded) military housing projects.
Back in 1988, I volunteered a few hours a week in a “Navy Relief” office reviewing applications for emergency travel funds and utility shutoff funds, etc. In almost every case, we had to refer the stateside spouse to a mandatory financial management course given by Navy Relief, as a condition of receiving a loan which was to be garnished from the member’s pay. Many spouses did not even possess a GED, could not balance a checkbook and were “clueless” about household budgets, esp. since they didn’t have any living bills in housing except optional cable and phone. Every payday was like a “cash windfall” to them.
ParticipantThanks for your direction, Ricechex. I don’t know what all these installations are called now in these (now heavily remodeled and upgraded) military housing projects.
Back in 1988, I volunteered a few hours a week in a “Navy Relief” office reviewing applications for emergency travel funds and utility shutoff funds, etc. In almost every case, we had to refer the stateside spouse to a mandatory financial management course given by Navy Relief, as a condition of receiving a loan which was to be garnished from the member’s pay. Many spouses did not even possess a GED, could not balance a checkbook and were “clueless” about household budgets, esp. since they didn’t have any living bills in housing except optional cable and phone. Every payday was like a “cash windfall” to them.
ParticipantThanks for your direction, Ricechex. I don’t know what all these installations are called now in these (now heavily remodeled and upgraded) military housing projects.
Back in 1988, I volunteered a few hours a week in a “Navy Relief” office reviewing applications for emergency travel funds and utility shutoff funds, etc. In almost every case, we had to refer the stateside spouse to a mandatory financial management course given by Navy Relief, as a condition of receiving a loan which was to be garnished from the member’s pay. Many spouses did not even possess a GED, could not balance a checkbook and were “clueless” about household budgets, esp. since they didn’t have any living bills in housing except optional cable and phone. Every payday was like a “cash windfall” to them.
ParticipantThanks for your direction, Ricechex. I don’t know what all these installations are called now in these (now heavily remodeled and upgraded) military housing projects.
Back in 1988, I volunteered a few hours a week in a “Navy Relief” office reviewing applications for emergency travel funds and utility shutoff funds, etc. In almost every case, we had to refer the stateside spouse to a mandatory financial management course given by Navy Relief, as a condition of receiving a loan which was to be garnished from the member’s pay. Many spouses did not even possess a GED, could not balance a checkbook and were “clueless” about household budgets, esp. since they didn’t have any living bills in housing except optional cable and phone. Every payday was like a “cash windfall” to them.
ParticipantThanks for your direction, Ricechex. I don’t know what all these installations are called now in these (now heavily remodeled and upgraded) military housing projects.
Back in 1988, I volunteered a few hours a week in a “Navy Relief” office reviewing applications for emergency travel funds and utility shutoff funds, etc. In almost every case, we had to refer the stateside spouse to a mandatory financial management course given by Navy Relief, as a condition of receiving a loan which was to be garnished from the member’s pay. Many spouses did not even possess a GED, could not balance a checkbook and were “clueless” about household budgets, esp. since they didn’t have any living bills in housing except optional cable and phone. Every payday was like a “cash windfall” to them.
ParticipantOh, and I forgot to add, during that “active duty” period, interest rates on all of our mortgages were 7% – 10 1/2%. 5 – 6% mortgages were unheard of.
ParticipantOh, and I forgot to add, during that “active duty” period, interest rates on all of our mortgages were 7% – 10 1/2%. 5 – 6% mortgages were unheard of.
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