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CardiffBaseball
ParticipantI second Encinitas. I work in La Jolla, and live near Birmingham in Cardiff, and exit at Genessee and rarely does the morning drive take more than 25 minutes. The afternoon drive is generally about 30 minutes. So the downtown drive would probably add 20 minutes or so.
I see a lot of houses for rent east of El Camino Real, between Encinitas Blvd. and Leucadia (Rancho Santa Fe Rd.) making it quite easy to move when you are ready and stay within the same schools. The Park Place area of Cardiff is very family oriented, and has a good mix of rental and for sale homes, and you wouldn’t have to switch schools.
ParticipantI second Encinitas. I work in La Jolla, and live near Birmingham in Cardiff, and exit at Genessee and rarely does the morning drive take more than 25 minutes. The afternoon drive is generally about 30 minutes. So the downtown drive would probably add 20 minutes or so.
I see a lot of houses for rent east of El Camino Real, between Encinitas Blvd. and Leucadia (Rancho Santa Fe Rd.) making it quite easy to move when you are ready and stay within the same schools. The Park Place area of Cardiff is very family oriented, and has a good mix of rental and for sale homes, and you wouldn’t have to switch schools.
ParticipantMy choice of words was poor, but what I mean to say was I don’t think I could scratch $3400 right now, unless I reduced withholding. As a renter I don’t have near the writeoff I would as an owner so my current withholding probably will leave me with around $500, or so. It’s not like I am leaving a bunch of cash with uncle sam today.
As I said my financial picture sucks muddy pond water. Moving out here and my wife taking a cut in pay of $10K for two years was a big blow that we were not counting on so it’s been like running uphill ever since. Also, when I finally sold my house back in the midwest, I had to bring my only cash savings to the table to unload the house so suffice it to say, moving out here didn’t exactly help us.
But it is sunny!! And year round baseball.
ParticipantMy choice of words was poor, but what I mean to say was I don’t think I could scratch $3400 right now, unless I reduced withholding. As a renter I don’t have near the writeoff I would as an owner so my current withholding probably will leave me with around $500, or so. It’s not like I am leaving a bunch of cash with uncle sam today.
As I said my financial picture sucks muddy pond water. Moving out here and my wife taking a cut in pay of $10K for two years was a big blow that we were not counting on so it’s been like running uphill ever since. Also, when I finally sold my house back in the midwest, I had to bring my only cash savings to the table to unload the house so suffice it to say, moving out here didn’t exactly help us.
But it is sunny!! And year round baseball.
ParticipantMy choice of words was poor, but what I mean to say was I don’t think I could scratch $3400 right now, unless I reduced withholding. As a renter I don’t have near the writeoff I would as an owner so my current withholding probably will leave me with around $500, or so. It’s not like I am leaving a bunch of cash with uncle sam today.
As I said my financial picture sucks muddy pond water. Moving out here and my wife taking a cut in pay of $10K for two years was a big blow that we were not counting on so it’s been like running uphill ever since. Also, when I finally sold my house back in the midwest, I had to bring my only cash savings to the table to unload the house so suffice it to say, moving out here didn’t exactly help us.
But it is sunny!! And year round baseball.
ParticipantI see so dingo is probably considering the $2400 as the effective total payment after the tax savings. I don’t know that I can afford 3400 so that it becomes 2300 at the end of the year. Of course I suppose you reduce taxes. Still with my rent being $1900, I am guessing another 100K down is a better entry point. In my case I won’t buy until the credit card debt is down to zero which could take a couple of years and i’ll probably go a few months longer to build up a war chest for emergencies. Last time I bought a house, so much crap needed to be done, I ended up charging up again.
ParticipantI see so dingo is probably considering the $2400 as the effective total payment after the tax savings. I don’t know that I can afford 3400 so that it becomes 2300 at the end of the year. Of course I suppose you reduce taxes. Still with my rent being $1900, I am guessing another 100K down is a better entry point. In my case I won’t buy until the credit card debt is down to zero which could take a couple of years and i’ll probably go a few months longer to build up a war chest for emergencies. Last time I bought a house, so much crap needed to be done, I ended up charging up again.
ParticipantI see so dingo is probably considering the $2400 as the effective total payment after the tax savings. I don’t know that I can afford 3400 so that it becomes 2300 at the end of the year. Of course I suppose you reduce taxes. Still with my rent being $1900, I am guessing another 100K down is a better entry point. In my case I won’t buy until the credit card debt is down to zero which could take a couple of years and i’ll probably go a few months longer to build up a war chest for emergencies. Last time I bought a house, so much crap needed to be done, I ended up charging up again.
ParticipantEx-SD that post by Ashley did not contain any bible-thumping.
You might have wanted to make a point about none of this belonging here, (and I agree) but what the hell did she do?
ParticipantEx-SD that post by Ashley did not contain any bible-thumping.
You might have wanted to make a point about none of this belonging here, (and I agree) but what the hell did she do?
ParticipantEx-SD that post by Ashley did not contain any bible-thumping.
You might have wanted to make a point about none of this belonging here, (and I agree) but what the hell did she do?
ParticipantDingo, are you saying you have a personal 10 year plan or were you implying you took out a 10 year I/O loan? What’s the property tax out there? I don’t think you can possibly be paying just $2400 total including tax, insurance, etc. Seems kind of low.
ParticipantDingo, are you saying you have a personal 10 year plan or were you implying you took out a 10 year I/O loan? What’s the property tax out there? I don’t think you can possibly be paying just $2400 total including tax, insurance, etc. Seems kind of low.
ParticipantDingo, are you saying you have a personal 10 year plan or were you implying you took out a 10 year I/O loan? What’s the property tax out there? I don’t think you can possibly be paying just $2400 total including tax, insurance, etc. Seems kind of low.
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