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I believe dividends are paid out of profits/cash flow, not by issuing new stock and diluting existing shareholders (if that’s what you mean by ‘stocks are sold’).

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My clients ask about my rate expectations often. I’ve always pointed to other developed countries as an anchor for our rates. However, if we don’t get our deficit under control, the spread could widen due to perceived increased risk.

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E-bikes are pretty awesome. Rode one for the first time expecting a 20% increase in power, only to find a 300% increase in power. Could go up anything the trail threw at me. Less of a workout, though.

Glad you’re happy.

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That makes sense. I’ll search for the other thread.

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Turning 39 this year. Had about 30% of my retirement in cash up until last week, at which point I got sick of watching the market go up up up and dumped about half of it into a few large cap growth stocks, only to see them get pummeled this week. Oh well…lots of time before I retire.

Curious to see where we go from here.

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I got one from TIAA-CREF a while back and the process was pretty painless. I chose them because they didn’t have a big fee for closing within 3 years as we are always considering cashing out and taking our nest egg equity to a lower cost market (damn Californians). In general, HELOCs are way easier than mortgages because they are far less regulated.

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Are you looking for a broker to help you find a property or a loan broker to help you find the best financing to acquire/refinance a property?

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[quote=gzz]I waited until 2011 to buy my first house because of pricing issues and read this site then as I waited for the bubble to burst.[/quote]

Same boat here. Despite the frenzy, I found this site in 2007 and it validated my belief that the market was insane due to artificial demand created by ridiculous lending practices. So glad.

Bought first home in late 2011 and have been amazed by the appreciation. Sometimes consider selling, but then what? I don’t see much probability for material depreciation in the near term. Happy to have piggington around to help me navigate.

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My hood of San Elijo Hills (south 92078) is ridiculously low as well. This spring will be interesting.

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Shouldn’t be a big deal relative to Clintrump’s issues.

I’ve always wished Weld was on the top of the ticket. I’m guessing he would have known about Aleppo.

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I’m eyeing the Nexus 6P to replace my HTC One M9. I’m a big fan of stereo speakers on the front as I watch lots of vids sans headphones.

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Wife and I watched this last night, too. Seems like the LEAD program they discussed is achieving favorable results:

LEAD Program Evaluation: Recidivism Report (April 2015)

The Recidivism Report tests the relative effectiveness of the LEAD program compared to the ‘system‐as‐usual’ control condition in reducing criminal recidivism (i.e., arrests and charges).
◾People in LEAD were 60% less likely than people in the control group to be arrested within the first 6 months of the evaluation.

◾Over the entire course of the evaluation to date, people in LEAD were 58% less likely than people in the control group to be arrested (see below).

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Thanks for the link!

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If you’re willing to go a bit farther north to south Carlsbad (92009), there are a lot of nice homes in the low $1M range with great schools, more space and access to all accommodations/shopping/beaches.

http://www.sdlookup.com/Real_Estate-Carlsbad-Houses_For_Sale-92009

We’ve been in San Elijo Hills for 4 years and really like the community, which has a lower price point than 92009 as it’s a bit farther out and is technically in the City of San Marcos. We do most of our shopping and entertainment in south Carlsbad/Encinitas – really a great place to be. Commute wouldn’t be too bad to REI off 52 – I commuted to UTC everyday the last 4 years and I’m an additional 10 mins from 92009. Your commute would be 35 mins with regular traffic.

Good luck.

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I’m in the commercial finance industry and for years people have squawked about rates going up. I look around the world and wonder why the US would be the anomaly in today’s low and negative global environment.

I think the Fed will raise the Fed Funds rate in December by 25 bps as required to save face, but it will sit there for a long time and the mid to long end of the curve will stay within 50 bps of where it is today, IMO.

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