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bearishgurl
Participant[quote=wanttobuy]We generally like mature landscaping, lot min. 1/2 acre, re-built after 2000. I have seen many listing in Poway built in 2000-2005 with mature landscape, but no mello-roos or HOA. It looks nice, but mostly larger (around 5000 ft) and price above 1 m.[/quote]
wanttobuy, I don’t know what you consider “mature landscaping” to be but unless a developer left old trees on a lot when building, I don’t see how a house built after 2000 would have “mature landscaping.” If the price is above $1M and it is that new, then the Mello Roos could have been paid by the builder or spec builder and built into the price of the house from the beginning. When you trade a preference for older construction on your list for newer construction, you will undoubtedly have to face Mello-Roos in many areas, even those areas with larger lots and also many vacant lots in Poway. The first CFD’s were formed in North County in the early nineties.
In the vast majority of instances in North County, especially outside the City of SD, I don’t think you can really have it both ways. This is just something to think about if you don’t want to live in a remote location on a private road without sewer access.
Participant[quote=wanttobuy]We generally like mature landscaping, lot min. 1/2 acre, re-built after 2000. I have seen many listing in Poway built in 2000-2005 with mature landscape, but no mello-roos or HOA. It looks nice, but mostly larger (around 5000 ft) and price above 1 m.[/quote]
wanttobuy, I don’t know what you consider “mature landscaping” to be but unless a developer left old trees on a lot when building, I don’t see how a house built after 2000 would have “mature landscaping.” If the price is above $1M and it is that new, then the Mello Roos could have been paid by the builder or spec builder and built into the price of the house from the beginning. When you trade a preference for older construction on your list for newer construction, you will undoubtedly have to face Mello-Roos in many areas, even those areas with larger lots and also many vacant lots in Poway. The first CFD’s were formed in North County in the early nineties.
In the vast majority of instances in North County, especially outside the City of SD, I don’t think you can really have it both ways. This is just something to think about if you don’t want to live in a remote location on a private road without sewer access.
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]…WHEN Mr. Wallerstein started at Thomas Jefferson (in Old Town San Diego) he was in no mood for austerity. He borrowed so much that before the start of his first semester he nearly put a down payment on a $350,000 two-bedroom, two-bath condo, figuring that the investment would earn a profit by the time he graduated. He was ready to ink the deal until a rep at the mortgage giant Countrywide asked if his employer at the time — a trade magazine publisher in New Jersey — would write a letter falsely stating that he was moving to San Diego for work.
“We were on a three-way call with my real estate agent and I said I didn’t feel comfortable with that,” he says. “The Countrywide guy chuckled and said, ‘Everyone lies on their mortgage application.’ ”
Instead, Mr. Wallerstein rented a spacious apartment. He also spent a month studying in the South of France and a month in Prague — all on borrowed money. There were cost-of-living loans, and tuition of about $33,000 a year. Later came a $15,000 loan to cover months of studying for the bar.
Today, his best guess is that he should be sending $2,000 to $3,000 a month in total, to lenders that include Wells Fargo, Citibank and Sallie Mae.
“There are a bunch of others,” he says. “I’m not really good at keeping records.”
Mr. Wallerstein didn’t know it at the time, but Thomas Jefferson leads the nation’s law schools in at least one category: 95 percent of students graduate with debt, the highest rate in the U.S. News rankings.
The reason, Ms. Kransberger says, is that many Thomas Jefferson students are either immigrants or, like Mr. Wallerstein, the first person in their family to get a law degree; statistically those are both groups with generally little or modest means. When Ms. Kransberger meets applicants engaged in what she calls “magical thinking” about their finances, she advises them to defer for a year or two until they are on stronger footing…
(bold emphasis added [and mine].)
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]…WHEN Mr. Wallerstein started at Thomas Jefferson (in Old Town San Diego) he was in no mood for austerity. He borrowed so much that before the start of his first semester he nearly put a down payment on a $350,000 two-bedroom, two-bath condo, figuring that the investment would earn a profit by the time he graduated. He was ready to ink the deal until a rep at the mortgage giant Countrywide asked if his employer at the time — a trade magazine publisher in New Jersey — would write a letter falsely stating that he was moving to San Diego for work.
“We were on a three-way call with my real estate agent and I said I didn’t feel comfortable with that,” he says. “The Countrywide guy chuckled and said, ‘Everyone lies on their mortgage application.’ ”
Instead, Mr. Wallerstein rented a spacious apartment. He also spent a month studying in the South of France and a month in Prague — all on borrowed money. There were cost-of-living loans, and tuition of about $33,000 a year. Later came a $15,000 loan to cover months of studying for the bar.
Today, his best guess is that he should be sending $2,000 to $3,000 a month in total, to lenders that include Wells Fargo, Citibank and Sallie Mae.
“There are a bunch of others,” he says. “I’m not really good at keeping records.”
Mr. Wallerstein didn’t know it at the time, but Thomas Jefferson leads the nation’s law schools in at least one category: 95 percent of students graduate with debt, the highest rate in the U.S. News rankings.
The reason, Ms. Kransberger says, is that many Thomas Jefferson students are either immigrants or, like Mr. Wallerstein, the first person in their family to get a law degree; statistically those are both groups with generally little or modest means. When Ms. Kransberger meets applicants engaged in what she calls “magical thinking” about their finances, she advises them to defer for a year or two until they are on stronger footing…
(bold emphasis added [and mine].)
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]…WHEN Mr. Wallerstein started at Thomas Jefferson (in Old Town San Diego) he was in no mood for austerity. He borrowed so much that before the start of his first semester he nearly put a down payment on a $350,000 two-bedroom, two-bath condo, figuring that the investment would earn a profit by the time he graduated. He was ready to ink the deal until a rep at the mortgage giant Countrywide asked if his employer at the time — a trade magazine publisher in New Jersey — would write a letter falsely stating that he was moving to San Diego for work.
“We were on a three-way call with my real estate agent and I said I didn’t feel comfortable with that,” he says. “The Countrywide guy chuckled and said, ‘Everyone lies on their mortgage application.’ ”
Instead, Mr. Wallerstein rented a spacious apartment. He also spent a month studying in the South of France and a month in Prague — all on borrowed money. There were cost-of-living loans, and tuition of about $33,000 a year. Later came a $15,000 loan to cover months of studying for the bar.
Today, his best guess is that he should be sending $2,000 to $3,000 a month in total, to lenders that include Wells Fargo, Citibank and Sallie Mae.
“There are a bunch of others,” he says. “I’m not really good at keeping records.”
Mr. Wallerstein didn’t know it at the time, but Thomas Jefferson leads the nation’s law schools in at least one category: 95 percent of students graduate with debt, the highest rate in the U.S. News rankings.
The reason, Ms. Kransberger says, is that many Thomas Jefferson students are either immigrants or, like Mr. Wallerstein, the first person in their family to get a law degree; statistically those are both groups with generally little or modest means. When Ms. Kransberger meets applicants engaged in what she calls “magical thinking” about their finances, she advises them to defer for a year or two until they are on stronger footing…
(bold emphasis added [and mine].)
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]…WHEN Mr. Wallerstein started at Thomas Jefferson (in Old Town San Diego) he was in no mood for austerity. He borrowed so much that before the start of his first semester he nearly put a down payment on a $350,000 two-bedroom, two-bath condo, figuring that the investment would earn a profit by the time he graduated. He was ready to ink the deal until a rep at the mortgage giant Countrywide asked if his employer at the time — a trade magazine publisher in New Jersey — would write a letter falsely stating that he was moving to San Diego for work.
“We were on a three-way call with my real estate agent and I said I didn’t feel comfortable with that,” he says. “The Countrywide guy chuckled and said, ‘Everyone lies on their mortgage application.’ ”
Instead, Mr. Wallerstein rented a spacious apartment. He also spent a month studying in the South of France and a month in Prague — all on borrowed money. There were cost-of-living loans, and tuition of about $33,000 a year. Later came a $15,000 loan to cover months of studying for the bar.
Today, his best guess is that he should be sending $2,000 to $3,000 a month in total, to lenders that include Wells Fargo, Citibank and Sallie Mae.
“There are a bunch of others,” he says. “I’m not really good at keeping records.”
Mr. Wallerstein didn’t know it at the time, but Thomas Jefferson leads the nation’s law schools in at least one category: 95 percent of students graduate with debt, the highest rate in the U.S. News rankings.
The reason, Ms. Kransberger says, is that many Thomas Jefferson students are either immigrants or, like Mr. Wallerstein, the first person in their family to get a law degree; statistically those are both groups with generally little or modest means. When Ms. Kransberger meets applicants engaged in what she calls “magical thinking” about their finances, she advises them to defer for a year or two until they are on stronger footing…
(bold emphasis added [and mine].)
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]…WHEN Mr. Wallerstein started at Thomas Jefferson (in Old Town San Diego) he was in no mood for austerity. He borrowed so much that before the start of his first semester he nearly put a down payment on a $350,000 two-bedroom, two-bath condo, figuring that the investment would earn a profit by the time he graduated. He was ready to ink the deal until a rep at the mortgage giant Countrywide asked if his employer at the time — a trade magazine publisher in New Jersey — would write a letter falsely stating that he was moving to San Diego for work.
“We were on a three-way call with my real estate agent and I said I didn’t feel comfortable with that,” he says. “The Countrywide guy chuckled and said, ‘Everyone lies on their mortgage application.’ ”
Instead, Mr. Wallerstein rented a spacious apartment. He also spent a month studying in the South of France and a month in Prague — all on borrowed money. There were cost-of-living loans, and tuition of about $33,000 a year. Later came a $15,000 loan to cover months of studying for the bar.
Today, his best guess is that he should be sending $2,000 to $3,000 a month in total, to lenders that include Wells Fargo, Citibank and Sallie Mae.
“There are a bunch of others,” he says. “I’m not really good at keeping records.”
Mr. Wallerstein didn’t know it at the time, but Thomas Jefferson leads the nation’s law schools in at least one category: 95 percent of students graduate with debt, the highest rate in the U.S. News rankings.
The reason, Ms. Kransberger says, is that many Thomas Jefferson students are either immigrants or, like Mr. Wallerstein, the first person in their family to get a law degree; statistically those are both groups with generally little or modest means. When Ms. Kransberger meets applicants engaged in what she calls “magical thinking” about their finances, she advises them to defer for a year or two until they are on stronger footing…
(bold emphasis added [and mine].)
ParticipantThank you for your expert “insight,” sdr. I guess it doesn’t matter then if your friends, the “Huns,” have any talent . . . or not :={
ParticipantThank you for your expert “insight,” sdr. I guess it doesn’t matter then if your friends, the “Huns,” have any talent . . . or not :={
ParticipantThank you for your expert “insight,” sdr. I guess it doesn’t matter then if your friends, the “Huns,” have any talent . . . or not :={
ParticipantThank you for your expert “insight,” sdr. I guess it doesn’t matter then if your friends, the “Huns,” have any talent . . . or not :={
ParticipantThank you for your expert “insight,” sdr. I guess it doesn’t matter then if your friends, the “Huns,” have any talent . . . or not :={
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]north park girl, these recent “law school graduates” are SO HAPPY to be able to get the opportunity to do the work that I’m doing (paralegal) but they don’t know the CA Rules of Court and local rules which you have to have in your head in this business. (They don’t teach this in law school, btw.)
It is TRUE that many firms are outsourcing this task (esp small firms). I am “independent” and am offered more work than I want or even have time to do.
I feel sorry for these new “debtors with no escape.” I have never set foot in a law school (as a law student) and couldn’t qualify to be admitted.
Participant[quote=north park girl]…I was considering an MBA last year, even applying to a few top schools for technology (Stanford, MIT, Berkeley). After getting rejected from all three, I thought about casting a wider net, then saw this article about law school debt: http://www.nytimes.com/2011/01/09/business/09law.html
[/quote]north park girl, these recent “law school graduates” are SO HAPPY to be able to get the opportunity to do the work that I’m doing (paralegal) but they don’t know the CA Rules of Court and local rules which you have to have in your head in this business. (They don’t teach this in law school, btw.)
It is TRUE that many firms are outsourcing this task (esp small firms). I am “independent” and am offered more work than I want or even have time to do.
I feel sorry for these new “debtors with no escape.” I have never set foot in a law school (as a law student) and couldn’t qualify to be admitted.
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