[bearishgurl]

It is true that many members of the “Greatest Generation” who were born in the United States did NOT get a birth certificate issued to their parents when they were born (likely at home with a midwife present). If they needed one to enlist in the military, for example, they obtained one as a child/young adult by affidavit of a witness or attendant.

This generation’s numbers are dwindling every day and nearly 0% are still in the workforce. Many of its female members never held a paying job.

[bearishgurl]

It should be noted here that most “brown people” are actually members of the Caucasian race.

[bearishgurl]

[quote=Wantoceanview][quote=bearishgurl]

Wantoceanview, many “heirs” of well-located property in CA are “well-heeled” in their own right. Even if they currently live out of state or out of the country, many of these heirs don’t “have” to sell unless they find the right buyer who appreciates the property for exactly what it is and is willing to pay for that. This is due to Prop 13 in CA preventing reassessment for owners who purchased prior to April 1978 and still own the property (dead or alive), causing their annual property tax to be artificially low by today’s valuations.

This “low-tax” benefit is “inheritable” to children via Prop 58 (1986) or grandchildren (Prop 193) if the decedent-owner’s children (their grandchildren’s parent) is deceased. If the heirs don’t get good enough offers for the property while it is listed, one of them can buy it from the other(s), excluding their portion of equity and assume the low tax basis of their deceased parent for as long as they own it and also pass the property to their own children, if they wish. This leaves less incentive to sell or sell in an inopportune market [/quote]

Thanks for the info. Looks like unless we offer the asking price, we’re pretty much SOL thanks to Prop 13 and Prop 58. Way to screw the next generation of buyers (me!). Bummer![/quote]

Wantoceanview, no offense intended, but first-time buyers in CA coastal counties historically did not buy ocean-view properties the first, or even second, time around. Not sure if you are a first time buyer or not but first timers have to start somewhere and it is typically not with a property in a premium location.

Prop 13 has been in effect for 34 years and Props 58/193 for 26 years. So your generation is not the first generation in CA that has been “screwed.” Consider that many boomers and beyond who had to sell their “Prop 13” properties due to death of one of the owners or divorce do not enjoy this perk either. It is what it is.

[bearishgurl]

[quote=sdduuuude]…By the way, BG, I think your keyboard is “broken.” It seems to spit out double quotation marks around “random” words :)[/quote]

Yeah, my keyboard is old but that’s my fingers doing the talking that you’re seeing 🙂

[bearishgurl]

Obviously, it must be “hot and boring” in “Mormon territory.” sdr totes his REALIST subscription around wherever he goes, LOL.

Wantoceanview, many “heirs” of well-located property in CA are “well-heeled” in their own right. Even if they currently live out of state or out of the country, many of these heirs don’t “have” to sell unless they find the right buyer who appreciates the property for exactly what it is and is willing to pay for that. This is due to Prop 13 in CA preventing reassessment for owners who purchased prior to April 1978 and still own the property (dead or alive), causing their annual property tax to be artificially low by today’s valuations.

This “low-tax” benefit is “inheritable” to children via Prop 58 (1986) or grandchildren (Prop 193) if the decedent-owner’s children (their grandchildren’s parent) is deceased. If the heirs don’t get good enough offers for the property while it is listed, one of them can buy it from the other(s), excluding their portion of equity and assume the low tax basis of their deceased parent for as long as they own it and also pass the property to their own children, if they wish. This leaves less incentive to sell or sell in an inopportune market :=}

sdr, while you’ve got the chance, why don’t you get off your laptop and mosey on over to the Petrified Forest tomorrow and stop at the Conoco Dinosaurs for dinner (outside Holbrook)?? You and Ms. Caymus can rejoin the Piggs when you return to your desk in Gridlocked Nirvana and share your pics with us ;=D.

[bearishgurl]

[quote=sdduuuude]Isn’t there an annual ski sale in San Diego somewhere – maybe in the Summer – where you can get deals on ski stuff ?[/quote]

Yes, its at the Del Mar Fairgrounds and is usually scheduled the 2nd or 3rd Saturday in August. It features unsold inventory from sporting goods stores in the Western US from the last 3-4 model years.

I should be advertised in the UT.

[bearishgurl]

This is very, very unfortunate. I was just there in late January and they had plenty of snow and almost 3/4 of the mtn open for skiing/riding.

Mammoth Mtn has the best and most varied “high-desert-type” skiing in the world! You get the best of all worlds there … lots of dry snow, incredible snowmaking ability and warmish desert winds blowing over in mid-day, enabling the skier/rider to just wear two layers on top or a vest. Of course, face masks are often needed on two of their lifts :=0

I learned to ski in Winter Park, CO on “poma” lifts and rope tows when lift tix were $4-$6 per day, lol.

And yeah, I had skinny Atomic Arc 195s and Dynastar 185s back in the day as well :=]

Now I ski on 173cm shaped “twin tips” and am now too old to be taught to ski backwards with them :=0

As soon as I get more time today, I’ll look at the developer case and its judgment. Does anyone know if the town already appealed?

[bearishgurl]

[quote=spdrun]Re: AT&T

You could acquire an iPhone that “fell from the truck” and only get voice service with it. Jailbreak and turn 3G data off entirely, only use data when you have WiFi….[/quote]

Thanks, spdrun, I didn’t know this was possible. I’m sure there are LOTS of “slightly used” i-phones out there which are out of contract and whose owners would give them away or sell them for little to nothing. The “jailbreaking/debranding” procedure should cost less than $50.

[bearishgurl]

I just looked at aerial closeups of both houses at the end of this cul-de-sac (with pie-shaped lots). The rectangular lot to the north (next door) has a MUCH bigger backyard than this one. The two pie-shaped lots are mostly slope; however the pano views from this lot are superior to the neighbors’ lots. A large deck can be built off the slope.

I think it’s kind of wacky where the pool was installed and agree it would be challenging to cover it over properly. It’s very close to the house.

Wantoceanview, had you thought of considering possible “fixers” in 92107? Most houses would likely be at least 10 years older there and the houses/lots likely not quite as big for the price, but you may get a bit of “whitewater view” up towards Hill St.

I believe most buyers, though, would think the pano views of this lot are better than a typical upper-OB view (with current overhead line easements). And, a “whitewater-view” fixer, IF you could find one, may be out of your price range and/or need more work than you may be able to do.

Thanks for sharing this very nice block with us!

[bearishgurl]

[quote=spdrun]

Too cheap to have both? Please. A passport card costs $55 ($40 if you already have a passport book) and is valid for 10 years.

And why should I pay $55 for a duplicative document that serves no purpose, and that I’ll seldom use? I travel to Europe much more often than to Canada or Mexico.

Getting a passport card if you already have a passport book is throwing away money. I have no desire to waste money, whether it’s $4, $40, or $40,000. Frankly, I’d rather spend the money going out to eat — a passport card isn’t very tasty last I checked.[/quote]

If a “passport card” is the same as a “Sentri-Pass,” I would think $40-$55 is a small price to pay to go thru a faster lane entering the US and be treated with more respect by the border patrol … that is, for people who cross frequently, ESPECIALLY in San Ysidro, the largest US/MX intl border crossing.

fwiw, I don’t have a valid passport. It expired many years ago and I don’t have any need/desire to renew it at present. I haven’t been across the border since before 9/11.

[bearishgurl]

You can use any carrier that has the coverage you need but the key to having low monthly cell bills is to NOT sign a contract.

You will need to use your existing equipment or purchase new/used equip on the open market and even flash/debrand it if it is not already done and you wish to do it. I don’t know if this can be done with i-phones. There are quite a few services that become available on a feature phone if it is flashed (unlocked) which are unavailable under contract or the carriers CHARGE you monthly for (such as wifi, for example).

I AM aware that a 2-yr basic i-phone contract from AT&T (where you buy the phone from them) ends up costing the user $1800-$1920 over the life of the contract ($75-$80 mo), PLUS the initial cost of the phone. I’m not sure if there is any way to get basic i-phone svc cheaper if you were to “acquire” an i-phone (new or used). Any Piggs know?

[bearishgurl]

[quote=sreeb][quote=bearishgurl]
UCGal, correct me if I’m wrong, but no permits will be required if all your remodeling is within the confines of the house. [/quote]

You are kidding right?

==================================================
When do I need a construction permit?
A construction permit is needed for all new construction. In many cases, a permit is needed for repair or replacement of existing fixtures, such as replacing windows. A plumbing, electrical or mechanical permit maybe needed for any addition or changes to a building’s existing system; for example, moving or adding an electrical outlet requires a permit.

To find out if your project needs a permit, call (619) 446-5000.

When don’t I need a permit?
A construction permit is not needed for items such as wallpapering, painting or similar finish work; fences six feet high or lower; platforms, decks and walks 30 inches high or less over grade or not over basement; and in several other cases. However, reviews may be required from other agencies; be sure to check before building.

For plumbing, mechanical and electrical work, replacement or repair of fixtures (such as changing water faucets or replacing switches) does not normally require a permit. Replacing a water heater or adding a permanently wired light fixture does, however, require a permit.

To determine if your project needs a permit, call (619) 446-5000.[/quote]

sreeb, I am aware that permits (for “inside” projects) should be drawn for rewiring; installing new elec panel/svc; removing, moving, repairing or replacing load-bearing walls and adding square footage. Since my experience has been primarily DIY, I was not aware that permits need to drawn for those other things, never did so for any of those projects and successfully sold the properties years ago. I’m quite certain I’m not alone.

I tried the phone number you posted here and it appears to be inoperable. Which jurisdiction are you referring to here that requires permits for all these (inside) projects?

[bearishgurl]

SFR inventory is extremely limited in this area and also Bay Ho (western 92117) and will continue to be IMHO. This is a “cosmetic fixer” situated on a VERY large (for the area) canyon lot and the pano view doesn’t get any better than this over there. Barring any residual tire noise from I-5, it may be priced as much as $80K more than it is worth. You can always start in the high sevens with a strong offer.

I haven’t looked at the sold comps around there but suspect that the value of the subject lot is highly subjective as another one like it cannot be “invented” for any price.

If you really don’t want a pool, I’m not sure it’s worth covering over this pool, unless there is a lot more addt’l flat space in the backyard.

I would not sweat BS such as pool equip installed in garage. This lot is ample enough to relocate it as well as build a cabana, gazebo and all manner of (entertainment) out-structures.

The vast majority of the owners in this area are boomers and beyond and, unless they need to sign up for board and care (or move into a child’s home) NOW, due to health issues, they’ve got all the time in the world to wait for a buyer to appreciate exactly what they are offering, IMO. Even most “heirs” marketing a well-located property in SD, such as this one, are willing to wait for an appreciative buyer.

I wouldn’t count on finding too many “distressed” owners of SFR’s in this area, if any at all, IMO.

Always remember that the LOT and its location are worth far more than the dwelling(s) sitting on it. Convenience-wise, this location is bar none.

[bearishgurl]

[quote=Hobie]You’re not.
All of the self employed folks purchase health insurance on the open market at market price. Which is very high when compared to employer group policies.[/quote]

It’s only “very high” if the applicant has “pre-existing conditions.” HOWEVER, the lower-priced individual policies have MUCH higher co-pays and deductibles than a typical employer-sponsored policy. I’m referring to PPO’s here. Not sure if HMO’s are actually more expensive on the open market for a healthy person as opposed to an employer policy because the healthy person is “underwritten” as an individual-policy applicant. An “employee” is not. This “underwriting” requirement will go away in 2014 under HCRA.

In any case, an employer usually pays at least 60% of the monthly premium and charges the employee for the balance. Some employers even subsidize the policies of the employees’ immediate family members. A individual policy holder has to pay 100% of the premium but has far more choice in the type of coverage (and providers avail to them) than does an “employee” (who has to accept the plan(s) their employer offers).

[bearishgurl]

[quote=mike92104]Easy: “What is your social security number?” “What is your name?” Call it in, if it matches and is valid, you’re good to go.[/quote]

mike, you might be SHOCKED at how many “unauthorized immigrants” are using the SSN AND identity of American decedents or young minors.

[Author]

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