[Coronita]

[quote=bearishgurl]
However, I don’t see this as happening here. This listing agent just saw a rookie buyer and possibly their rookie agent as deer in the headlights and thought they could get away with playing this game with them.[/quote]

God, is there any thread where you won’t say something in such a crass way as to insult someone that you don’t know? If you’re so smart, how many houses have you bought again??????? And when was the last time you bought a house again?????

[Coronita]

[quote=bearishgurl][quote=FlyerInHi]It’s not dementia but staying home all the time and being out of touch with change and how other people live. . . .[/quote]Um, FIH, unlike you, who posts here 24/7, I AM busy. On top of that, I’ve needed to travel a lot this summer and that is not over. Unlike you, I don’t access the internet from devices. If I’m not sitting at my desk at home and have time for this nonsense, I’m not able to go on this site.

Why don’t you consider checking out the gym 10-15 hours a week or try scaredy’s floating meditation? Methinks you spend too much time here opining on nearly everything 12 hrs per day, every day. In other words, get a life![/quote]

lol. I find it funny you are saying this with a straight face, given that……..

1. …you just posted 4 times in a row…..

2. ……you find need to comment on almost every subject matter as the leading expert of everything, when clearly you are not,

3…..you regularly writes painstaking 10+ paragraphs of text which I must admit I never read most of it, which is mostly opinion masqueraded as fact. Because, sadly, if I ran my zip compression program on your paragraphs, it would probably compress down to two words: “WTF BG?”

4. you go at great length to find 1 smiggin internet article written to support your wild ass opinions stated as facts (despite the overwhelming data contradicts your opinions stated as facts)
5. you seem to have grown angry and bitter at just about everything and anyone that seemingly has gotten ahead, and come here to vent with your diatribes.

So much for having “a life”. Pot meet kettle. If you have “a life”, you would have dropped off a long time ago, because clearly you aren’t here for educational value/financial info/value, since apparently you already know everything and are an expert at everything.

[Coronita]

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[Coronita]

[quote=sdgrrl]Hi Flu,

As I told svelte, it is nice to hear from one of the oldies.

Yeah, the rigidity of the sellers is extreme. I put in an offer of $385k with the seller paying the closing cost. We made the offer and may not be the chosen one, but if we are we will still think hard before going all in.

I do like the home and the mortgage is something I am comfortable with. Our income may put us in a higher bracket of middle class; nothing more though.

The $5k credit, I thought, “Ooh, thank you for your generous counter offer.”. Feel the same as you. Mix that with no repairs will be done and you feel more hesitant and that you are really getting the short end of the stick.[/quote]

Well, if you really like the house, then that’s all that matters. I can’t comment on what I would or wouldn’t do because we’ve all choices based on preference. If you do get the house, I would just make sure that

(1) you make sure with that the appraisal will come through such that you’ll get the loan

(2) you make sure you find a good property inspector to wring that house out. As much as you like the house, you don’t want to get blindsided into a money pit, and it sounds like the original owner isn’t going to be forthcoming in bringing up everything that could be wrong with the place.

If worst comes to worst, walk out. There will always be another house. If you keep in mind you “don’t have to do this”. I it will keep your honest on what you should or shouldn’t be doing.

I’m assuming that the 12 days versus 17 days period is just for inspection, but you still will have a loan contingency thereafter, right? If not, or if you’re not sure, make sure on that. You don’t want to give up on your loan contingency, no matter what.

Because you don’t know how long that will take.. Also, if for whatever reason you find something wrong with the property after the inspection period, there’s been time you can talk to your lender and so that you end up not qualifying for that property, so you can walk out that way. And I know plenty of people that have done that up in the Bay Area too… lol….

[Coronita]

I don’t want to try to convince you one way or the other, but here’s my take on the following

– Seller wants a 12 day investigative period (normally 17 days).
I don’t think this really is a big deal. 17 days or 12 days. A good inspector can find things in 12 days or 17 days….

The problem I would have is the “as-is” sell condition….

-They do not want to do any repairs so what you find is what you get. Or, you cancel and move on.

And then at the same time…..

“- Seller will pay for home warranty for 1 year upgraded.”

“- Since seller is doing home warranty – as a house warming I will do rebate to you now of $450.00.”

– Seller does not want to pay closing cost – however is willing to give credit for needed work (like landscaping) ($5,000). We would do this on a request for repairs form at the time of the counter offer so it is in writing.

So let me get this straight. Seller is only going to entertain offers at $375k, which is $76k above asking, and yet then come back and “offer” a $5000 credit, which in the grand scheme of things is peanuts. Interesting. If I was going to stick it to actual buyers in multi-offer scenario that are offering $375k and above, I’d really stick it to the buyers and not offer any concessions, not even $5000. Because if there really are people willing to pony up an extra $75k for the house, an extra $5000 is nothing for the buyer to cough up….Like in the bay area, homes are sold “as-is” and often times the buyer ends up paying for everything, including all closing costs. But here, this selling is willing to give a credit for $5000.

For me, I would give the middle finger and say fvck you to the seller…..Offering that $5000 credit to me is like insulting. Either blatantly tell me you are trying to stick it to me, or sell it at a realistic listing price. But don’t sit here and jack up the price and then pretend you’re trying to be a nice guy by offering me a $5000 “credit”…Lol….

My 2cents.

[Coronita]

[quote=PCinSD][quote=bearishgurl][quote=PCinSD][quote=bearishgurl][quote=Rich Toscano][quote=bearishgurl]I watched this video… [snip]

Notice that the owner is single and the only one living there.
[/quote]

This is a perfect specimen of a BG post. Somewhat pedantically noting a minor detail, with added emphasis to stress the import of her keen observation.

Except, the video in question is titled “Small Portland prefab home stacks space to fit family of 3.” Sorry, I’ll translate that to BG-speak: “Small Portland prefab home stacks space to fit family of 3.” And said family of 3 is featured almost constantly throughout the video.

Simply perfect.[/quote]

I see the problem now. I’ve had two clients in and out this morning and DID click on brian’s link but it is now clear that we weren’t watching the same video. All I can think of is that I stopped the video and then when I came back to the utube page, I ended up watching a different video. I cannot now find the video I watched but it was NOT the same video as brian listed. The architect’s house was also remodeled to ~700 sf (he bought it originally at ~350 sf). I have no idea how he himself was able to conduct all his activities in it (3 story, incl the tiny garage), let alone a couple with a baby!

Most people endeavor to find something a little larger than 700 sf after their baby starts crawling around and needs a lot of “equipment,” lol ….[/quote]

LOL.

Hopefully the clients aren’t more people you defrauded as a foreclosure consultant.

Imagine for a minute if BG had not failed the SDPD psych exam. She would’ve been roaming our streets with a gun.

*shudders*[/quote]pablo, as usual, your ego is getting the better of you and your mysogynistic tendencies are again rearing their ugly head.

In addition, you have your “facts” all wrong … could it be due to the onset of dementia?[/quote]

I don’t believe you understand the definition of mysogynistic. Please explain how my post was mysogynistic. And, please explain how this has anything to do with ego.

Moreover, I’m just repeating what you’ve stated on this site. According to you, you took money from people to help them avoid foreclosure. According to you, you never helped a single client avoid foreclosure.

And, according to you, you were denied employment with the SDPD after failing the psych exam.

Want me to post your quotes?[/quote]

It’s probably deleted by now.

[Coronita]

The interesting part is that at least wrto 2015, the population growth in BG’s hood is actually lower than many other parts of the county…

http://www.sandiegouniontribune.com/news/2015/may/01/san-diego-population-growths-healthy-pace/

So I’m not sure what her concern is. I don’t think we’ll have a flood of buyers changing that anytime soon. Property values should stay “stable” there and not move that much, which it sounds like is what she wants…

[Coronita]

[quote=scaredyclassic]on the one hand, temecula does seem crowded. on the other hand id be thrilled if each of my 3 kids had 3 or more kids.

obviously this can get out of control quickly.

out of 9 new people i bet one of them could be on my wavelength.[/quote]

9 new people to pay for your social security checks.

[Coronita]

AN, I think we’re at stage 3 of bittergurl ranting about another different subject now. I’m not sure how land belonging to Vulcan materials has anything to do with methane gas leak on a live petro pipeline in Porter Ranch, or where she pulled out of her ass that that this area is in a flood zone…..Can you elaborate on WTF this could possibly mean?

I’m guessing this is just another non-factual outburst from someone suffering from dementia as age settles in, and it sounds it’s more desperate attempt for pulling for facts that support an opinion then the city of MM is desperate in selling any strips of land… But that’s ok. She sure missed out on a nice real estate boom in this area, lol…I wish the the majority of the people were thinking the same way, so there would be less competition for it.

[Coronita]

[quote=AN][quote=flu]I might need you to buy a few loaves of bread for me, and then I’ll pick it up at your place.[/quote]
No problem, just let me know.[/quote]

Sigh, I was hoping you would say, no, get your your own bread.

I worked really hard to get in shape, knowing I have an easier way to get the “goods” from 85c is not going to be helping me keep it…. Not good 🙁

[Coronita]

[quote=AN][quote=flu][quote=AN]The rumor is that a famous dim sum place will be moving into the old Kohl’s location. That would be awesome if it’s true, but we’ll just have to wait and see.[/quote]

Get out of here. Really? Ding Tai Fung? Please please please. It would save me a trip to Costa Mesa…

http://dintaifungusa.com/%5B/quote%5DI didn’t know Din Tai Fung serves dim sum. I don’t know which, I just heard it on the grape vine, so I’m taking it with a grain of salt. It was a neighbor who heard it from an Asian barber in MM mall. I will keep you posted. I would love Din Tai Fung to come in too, but I would gladly settle for less. I’ve been to South Coast trying to eat there but left when they told me the wait was 3 hrs. I finally was able to eat at their Arcadia location and loved it.
[/quote]

No they don’t serve dim sum. But I was hoping for a location in san diego. As far a dim sum, we could use more places. I mean Jasmine, Emerald, and Pearl are the only game in town, with the last two owned by the same dude.

[quote]
[quote=flu]Holy sheet. I was at 85c last saturday, and it was packed. The line was so bad, they ran out of bread. I’m like, ok I’m coming back on the weekdays…..[/quote]LoL, I can literally walk to 85c. Their sea salt green tea is good.[/quote]

I might need you to buy a few loaves of bread for me, and then I’ll pick it up at your place.

[Coronita]

[quote=AN][quote=flu] The rumor is that a famous dim sum place will be moving into the old Kohl’s location. That would be awesome if it’s true, but we’ll just have to wait and see.[/quote]

Get out of here. Really? Ding Tai Fung? Please please please. It would save me a trip to Costa Mesa…

http://dintaifungusa.com/

Holy sheet. I was at 85c last saturday, and it was packed. The line was so bad, they ran out of bread. I’m like, ok I’m coming back on the weekdays…..

[Coronita]

[quote=flyer][quote=flu][quote=flyer]Hope for those who need housing, you’re right.[/quote]

I don’t know, I was talking with my parents awhile ago about their first home. I was complaining about how I was paying $2500/month on a 15 year mortgage that I absolutely hated…

They told me to “shut up”…because their first mortgage was around 15.4% for a 15 year. And for 10 years , they were making payments around $3000/month on a $85k household AGI back then when $1 meant a heck of a lot more than it does now…Then they were comparing notes with me and said things like.. When when we were your age right now,

1) We had still 10 years to go with our mortgage on our primary.
You, on the other had have 5 out of 6 homes free and clear.

2) We both had two 15 year old cars paid off , not 4 cars that were all paid off and thinking about a 5th one like you are.

3) We were just starting to think about your college expenses, while you already have funded your kid’s 529k account since the day your kid was born.

4) Buying you a computer cost us $5000… Your kid started having their own laptop in kindergarten that you paid $300 for… (I corrected them. It was $0, because I got it free from a Google I/O conference)

It’s not doom and gloom as many make it out to be..It’s not a walk in the park, and you have to put some effort into it (unless you happened to be born into a family with money). The only question is really, are you willing to put the effort in it/[/quote]

I agree that everyone’s situation is different. Even before attending college and starting my airline career, then moving onto other interests, I was involved in real estate (residential and commercial) with my parents when I was a teenager.

This early start in the business enabled us to acquire real estate at extremely low costs even during that period of time, and these holdings will benefit our kids and their kids for many years to come.

That said, I think both your situation and my situation are exceptions to the rule, since we both had early beginnings in CA real estate, which gave us advantages that those relocating here (or even young people trying to stay here after they leave their parent’s home) may not enjoy–and that was more to my point concerning the topic of this thread.

We’ll probably never know how it all plays out for those who choose to take the real estate plunge in CA from this point forward, but, imo, it’s going to be challenging.[/quote]

I think it holds true for most people who are professionals and who can manage their money. I don’t think the majority of people’s problem is what they make. It’s how they spend it. I see plenty of people at work that can afford to live in the places they live who are much younger than me. I also see plenty of people who have maxed out their credit cards and still can’t come up with their downpayments for a first home.

Similar people with similar jobs and similar pay, plus or minus maybe $5000-10k/year, which after taxes is nothing.

So then why are some people able to live in that $500k-900k north county home, when others doing the exact same thing cannot?

It’s also funny that talking to the same two different classes of people. The ones that were living in their north county homes are also those that are tucking their money into their 401k’s religiously to get their company match…Meanwhile, those folks that maxed out their credit cards, and are also still not able to come up with a downpayment are the same folks that contribute $0 to their 401k and get no company match. But, they have really cool toys that they bring to work!

Morale of the story. Don’t suck at managing your money.

[Coronita]

AN, I love the new revitalization that’s been going on in Mira Mesa. Out with the old, in with the new with younger professionals and newer retail places.

Have you been to the new 85C bakery? Before, we have to go to Balboa, but it’s now in a great location. The bakery is pretty well known and has roots from Taiwan. You know the economic climate and demographics changed when the Taiwanese think they can make food money in San Diego now versus in OC and LA only.

Don’t even think about selling your MM home. I think we’ll see it as a fast appreciating area over the next decade, faster other areas. Can’t beat the location.

[Coronita]

[quote=flyer]Hope for those who need housing, you’re right.[/quote]

I don’t know, I was talking with my parents awhile ago about their first home. I was complaining about how I was paying $2500/month on a 15 year mortgage that I absolutely hated…

They told me to “shut up”…because their first mortgage was around 15.4% for a 15 year. And for 10 years , they were making payments around $3000/month on a $85k household AGI back then when $1 meant a heck of a lot more than it does now…Then they were comparing notes with me and said things like.. When when we were your age right now,

1) We had still 10 years to go with our mortgage on our primary.
You, on the other had have 5 out of 6 homes free and clear.

2) We both had two 15 year old cars paid off , not 4 cars that were all paid off and thinking about a 5th one like you are.

3) We were just starting to think about your college expenses, while you already have funded your kid’s 529k account since the day your kid was born.

4) Buying you a computer cost us $5000… Your kid started having their own laptop in kindergarten that you paid $300 for… (I corrected them. It was $0, because I got it free from a Google I/O conference)

It’s not doom and gloom as many make it out to be..It’s not a walk in the park, and you have to put some effort into it (unless you happened to be born into a family with money). The only question is really, are you willing to put the effort in it/

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