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CoronitaParticipantAre you planning to still live there? I guess the question is whether you want to chase after 4 rents every month versus 1. Also, what happens if one doesn’t pay? I don’t know how that would work.
CoronitaParticipant[quote=scaredyclassic]best price i could find 52 to 72 level term life is 2100/year. for 1 million
i think im worth more than a million but that seems like a good number. the 2100 is slightly painful but i think it could help me relax. maybe i’ll change my directive to DNR. at one million, its fine if i die.
interestingly one of the questions was whetehr i go hot air ballooning. my wife wanted to do that. i told her no way, that thing is a death trap. she mocked me. now i have proof.[/quote]
You can both go hot air ballooning. You just shouldn’t go together and you shouldn’t go at the same time.
Also, you want to read the fine print about life insurance. Sometimes there are exclusions that state that no benefit will be paid the first 1-2 years you are insured for high risk activities. If you’re wondering why, it was explained to me by the insurance agent that avoid a payout for someone that is suicidal.
As far as life term rates, health being equal. Termed insurance, the monthly payment is cheaper when you are younger, but if you were to buy a policy that ends exactly at the same day (for example when you turn 70), I think you’ll probably end up paying roughly the same.
CoronitaParticipant1. CARB laws (ok, that’s CA in general)
2. Lack of tech community.
CoronitaParticipantActually, for $3000/month, it should have no problem renting out. There are plenty of homes same size in a lesser area of CV that rents for $3500/month. So I’m not sure why it wouldn’t rent out for $3000/month, especially given its location.
The person didn’t overpay in 2011. Bridge Ridge is slightly above Carriage Run and probably on par with Saratoga, and there are plenty of Carriage Run homes that sold around $1mill and plenty of Saratoga homes that sold at $1.1 or higher.
At $1.375, might be tougher to sell, but I think it would move easily around 1.2-1.25 maybe higher. It has access to either Sage Canyon of Ocean Air, and folks tend to be willing to pay a premium for that.
Same sqft in I believe Saratoga, better location larger yard…
https://www.redfin.com/CA/San-Diego/5164-Great-Meadow-Dr-92130/home/17205849
CoronitaParticipant. at least boys don’t have to sell cookies 🙂
CoronitaParticipant[quote=joec]Old thread, but just curious what lessons typically cost in the San Diego area? Per 30 minute lesson? Per month?
Do people typically have their kids do 1 lesson a week?[/quote]
Being the good asian parent that I am that offered my kid the standard aslan list of musical instruments that a kid can learn, piano or violin….. My kid takes violin lessons at $45 per half hour lesson, not including the $16/month violin rental. The same teacher offered piano lessons via his wife for roughly the same amount. Not bad, considering my kid’s skating lessons were $40 each time for a 1/2hr session.
Ok, truthfully, I didn’t want my kid to learn any instrument at this age, and I specifically didn’t want my kid to learn what every other asian parent wants their kids to learn (piano and/or violin). But I guess my kid ended up wanting to learn an instrument themselves. I suggested guitar, flute, and clarinet. But my kid wasn’t interested in guitar, and finding a flute or clarinet teacher wasn’t easy. So my kid ended up wanting to play a violin. And let me tell you, violins are great. There’s no mistake when you’re doing it wrong. I mean, if someone is really bad at it, it just sounds horrible. It’s the cringe you might get if someone with long nails runs their finger down a chalkboard, only that it lasts for the entire practice session. But fortunately, investing in a nice pair of headphones solves things.
CoronitaParticipant[quote=spdrun]It’s peak season now. Peak pricing is typically reached NOW through mid May, with a plateau in summer. Besides, those pending units will likely record in mid May to early June.
Late July to early August are actually slow months. MM might be doing fine. Other areas have more inventory than last year, and they’re not horrible areas.[/quote]
Peak doesn’t usually start until summertime.
CoronitaParticipantBTW: two 1/1 condos just went pending in MM today.
Asking prices were 196k and 185k respectively, on the east side.Again, it’s not even summer yet.
CoronitaParticipant[quote=spdrun]svelte: it’s not where as much as what. lower-end (not necessarily bad) condos that would have been snapped up by investors at a given price in 2013 or 2014 aren’t moving as fast this year. the middle and high end markets are still moving well.
bearishgurl: agree that dual-tracking was dishonest. however, i think there should have not even been lip-service to a mod unless there were exigent circumstances involved (job loss, death in family, serious illness in family). miss a few payments outside of said circumstances, house should have gone on the block and become a REO on the MLS.
Failing to analyze and think before making an expensive leveraged investment is not a good enough excuse (IMHO).[/quote]
It depends on where. MM seems to be buzzing along just fine. I don’t seem many 1/1s on the markets that are less than $180k. And when they are less than $180k, they usually go pretty quick. 1/1’s are as low end as you are going to get in this hood.
College area by SDSU seemed to be doing just fine as well. Probably not the same appreciation in north county areas, but it’s still pretty decent. There are probably areas that will never recover. But it makes you wonder why you would consider buying there to begin with.
CoronitaParticipant[quote=ucodegen][quote=flu]
You can always cancel the term life insurance if you no longer need it.
[/quote]
This is what the insurance companies rely on. Sum up the payments with an estimated alternate return and it is no where near what the coverage is(except when the coverage goes over the age boundary of about 73.).Insurance should only handle liabilities that could not be covered on a death (mortgage would be a good one since the wife would now have to handle raising kids on one income instead of a shared income), but it does not substitute for an IRA, savings or anything like that. Remember, it only pays out on your death.. and in the mean time, you are paying until you get tired of it.[/quote]
The 20 year term life insurance I bought when I was in my early 30ies was a $500k policy for $700/year roughly (it was probably higher than I could have paid, but at the time I wasn’t exactly the fittest person…that’s even before I was diagnosed 2 years later with really screwed up health issues that today would make me uninsurable.
In the grand scheme of things, over the course of 20 years,
I’ll be paying $14,000 for peace of mind, in case something does happen. For most people, you’ll make it past the 20 years term and the insurance policy will expire without a payout. For some of you less fortunate people (inclusive), you might have a brush with death. So yes, in most cases, the insurance company will win and collect your premium without haven’t to pay you out. In any case, I think this is one of the things you don’t want to win and maximize your positive returns on 🙂If your mortgage is paid off, if your retirement funds/savings/investment funds/ real estate investments/etc are all doing well, you might not need life insurance. For me, it’s the question of whether I want to save the remainder $7000ish in premiums and drop my $500k insurance that hopefully won’t be needed.
CoronitaParticipantHere’s my take on religious people.
You have a small percentage of religious people that are wacko nut jobs that screw it up for the rest of the religious people. Unfortunately, that small percentage tends to be the most visible and most vocal and have the most extreme viewpoints (my way or the highway). And for the vast body of folks that don’t believe in a religion, obviously it rubs people in the wrong way. And then people tend to generalize every religious person is a wacko nut job.
It’s really no different than watching the riots in Baltimore, seeing some of the looters/rioters are black, and then erroneously generalizing that every black person is a looter/rioter, when clearly that isn’t the case.
CoronitaParticipant[quote=zk]
Would you be as nonchalant, flu, if 7 states banned Asians from office?[/quote]I think you mistaken my opinion here, not that my opinion really matters.
Nowhere did i say this was acceptable, and I would never support these 7 states viewpoint. But I don’t consider this to be a “crisis” to the extent that it’s worse than others in other categories have it, because frankly there are bigger fish to fry. We aren’t even close to giving equal rights to gay men and women yet.
And tongue and cheek. You can always pretend to be non-atheist. It’s not exactly easy to pretend not to be asian, as much as I would like to say changing my kid’s last name would increase my kid’s chances of being fairly admitted to a college of their choice.
CoronitaParticipant[quote=scaredyclassic]yeah but…
discrimination against atheists is rampant.
ci[/quote]
You clearly can’t police a household wrto personal preference how whom to have an intimate relationship with, whom to date, can you? I mean, what next? Affirmative action to address inequality that that might exist on the dating seen that a blond woman only wants to date 6′ 10″ blond man?
I’m pretty confident that if you are an atheist and the person you want to date is deeply religious, he/she and his/her family would drive you nuts just as much as you and your family drive him/her nuts, making the relationship a nonstart. But there’s nothing to worry. There are plenty of atheists to date amongst themselves, just as much there are plenty of religious folks that can date amongst themselves…Well, at least if you discount all the ones that register on ChristianMingle.com that aren’t really Christian, but simply want to get laid.
CoronitaParticipant[quote=afx114][quote=flu]What is wrong with just ignoring people? Yes, you might not like hearing all this religious stuff, but they have every right to practice what they believe as long as it doesn’t encroach on your right and doesn’t compromise someone(s) safety.[/quote]
Well that’s the answer right there then, isn’t it? Currently seven state constitutions literally ban atheists from office. That makes it hard for me to ignore.[/quote]
What about the other 43 states? If it was 43 states that ban atheists, then I would agree with you that it’s a widespread problem. If at all, it seems to suggest we’re already making progress that there are only 7 crazy states left. There are probably more states that oppose same sex marriage then there are states that ban atheism. Not that I’m suggesting it’s right to oppose same sex marriage or to ban atheists. But I hardly call this widespread oppression.
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