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I’m missing the pun joebaduba, do you mean that its no longer listed?

Are there any realtors from Chula Vista area that can comment on this street/neighborhood? Would SD/sdrealtor peruse few listing to check sales prices from 2005? Thanks

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I guess we can check on all those REOs in Chula Vista in the other thread. Are the banks keeping current?

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I guess we can check on all those REOs in Chula Vista in the other thread. Are the banks keeping current?

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I guess we can check on all those REOs in Chula Vista in the other thread. Are the banks keeping current?

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I guess we can check on all those REOs in Chula Vista in the other thread. Are the banks keeping current?

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I guess we can check on all those REOs in Chula Vista in the other thread. Are the banks keeping current?

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At the next meet up, will one of you rich renters buy me a drink to help get over that massive bill we just paid?

Does the county release stats on non-payment of property taxes and if so, is there a big time lag?

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At the next meet up, will one of you rich renters buy me a drink to help get over that massive bill we just paid?

Does the county release stats on non-payment of property taxes and if so, is there a big time lag?

[equalizer]

At the next meet up, will one of you rich renters buy me a drink to help get over that massive bill we just paid?

Does the county release stats on non-payment of property taxes and if so, is there a big time lag?

[equalizer]

At the next meet up, will one of you rich renters buy me a drink to help get over that massive bill we just paid?

Does the county release stats on non-payment of property taxes and if so, is there a big time lag?

[equalizer]

At the next meet up, will one of you rich renters buy me a drink to help get over that massive bill we just paid?

Does the county release stats on non-payment of property taxes and if so, is there a big time lag?

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ETRADE loan results

Similar to above except 5yr ARM rate/margin is lower.

Interest Rate Points MonthlyPayment APR Margin
6.125 % 1.000 $ 1822.84 7.250 % 2.25
Interest Rate Change Caps: First – 5%, Periodic – 2%, Lifetime – 5%
1-year LIBOR index plus the margin.

for 3 yr ARM, Interest Rate Change Caps: First – 2%, Periodic – 2%, Lifetime – 6%

SO, it looks like the first adjustment for most 5 yr ARMS is more likely 5% cap, not 2% cap!!

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I checked out Eloan for last few years. they are among low cost, so terms are probably not robbery like most brokers. Read terms carefully. 300K loan for SFH in CA, 800FICO:

30 Year Fixed (30 year loan)
Interest Rate Points MonthlyPayment APR
6.250% 0.564% $1,847 6.344%

5 Year ARM (30 year loan, fixed for 5 years)

Interest Rate Points MonthlyPayment APR Margin
7.125% 1.901% $2,021 7.291% 2.750%

Life Cap 12.125%
Index Type One Year Treasury Bill
Current Index Value 4.230%
Margin 2.750%
Periodic Cap 2.000% per 12 months
First Adjustment 60 month(s)
First Adjustment Cap 5.000% (READ THIS!!!!!!!!!!!!)

At the end of the 60 month(s), the rate will adjust to the lower of:
1. The index plus the margin of 2.750%,
2. The previous rate plus 5.000%, or
3. The life cap of 12.125%.

the 1 year CMT has dropped from 5% to almost 4% today
so anybody resetting today would have a rate of 6.75%, not 5 or 6% becuase of the first adjustment cap of 5%. well 6.75% is a heck of a lot better than 7.75% rate in Jan 07, but resetting wont stop the foreclosures, just slow the pain for marginals.

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Biggest socialized medical group in the world

Take a guess: Yep, its the VA system (HYPERBOLE) and its actually not that bad from what I hear from many veterans. I think Businessweek had a big story on VA system and stated that that have a huge incentive to keep people healthy because they have to pay for life, whereas HMOs have no incentive because you don’t sign life time contract. VA computer systems are top notch since they have to track medical records for life. Pay for service in principle is the correct way, but the problem with jg’s pay for it out of pocket in practice is that health care is NOT capitalistic in the sense that there is no price competition. When is the last time you have seen prices in a medical setting? It’s the only industry where they NEVER disclose/discuss pricing; sounds like CUBA to me.

Only way to fix it is to get rid of HMOS, follow jg’s lead and then BAM, pricing would be competitive and health costs would go down.

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Biggest socialized medical group in the world

Take a guess: Yep, its the VA system (HYPERBOLE) and its actually not that bad from what I hear from many veterans. I think Businessweek had a big story on VA system and stated that that have a huge incentive to keep people healthy because they have to pay for life, whereas HMOs have no incentive because you don’t sign life time contract. VA computer systems are top notch since they have to track medical records for life. Pay for service in principle is the correct way, but the problem with jg’s pay for it out of pocket in practice is that health care is NOT capitalistic in the sense that there is no price competition. When is the last time you have seen prices in a medical setting? It’s the only industry where they NEVER disclose/discuss pricing; sounds like CUBA to me.

Only way to fix it is to get rid of HMOS, follow jg’s lead and then BAM, pricing would be competitive and health costs would go down.

[Author]

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