[FormerOwner]

LOL. Thanks for the feedback gzz; makes sense.

[FormerOwner]

Could the Homestead Exemption be used with a duplex if one unit is owner-occupied?

[FormerOwner]

Key question: What prescription psychoactive drugs was this boy on?

This documentary is very relevant to this issue:
http://youtu.be/UDlH9sV0lHU

[FormerOwner]

I moved from SD to Temecula then back to SD. I’m very glad I did. I rent an apartment in Mission Valley and am very comfortable here. Rent has gone up some since the bottom in 2009-2010, but not more than 2-3% per year in my case; nothing to panic about. If I never own a home again that is fine with me. I like where I live.

[FormerOwner]

I suspect BMW (and many other European car manufacturers) made a business decision quite some time ago (early 1990’s or so, I would say) based on calculations that they’d end up making higher profits by designing in parts that break after the warranty expires. That way, you’re either going to pay them top dollar for the parts or pay them for a new or CPO car – they’re going to get more sales out of you one way or the other as long as you really like the cars. I think the Germans used to manufacture for reliability in the 1980’s and early 1990’s but things appear to have changed after that. This is based on anecdotal evidence based on friends’ experiences over the years.

[FormerOwner]

Not unless it has the same heating and cooling features as the rest of the house

[FormerOwner]

Yep; sounds like a soccer mom from Temecula all right! Nice!

[FormerOwner]

I think MOST people are decent but there is definitely a certain percentage of self-centered jerks in our midst. In addition, a lot of the newer cars and SUV’s have HORRIBLE visibility and are driven by distracted drivers. I pretty much pay 100% attention to everything going on around me in all directions anytime I am in my car; even if I am stopped at a light. I NEVER EVER drive beside anyone – I’m either passing them or they’re passing me or I keep back a little in case they realize at the 13th hour that they’re about to miss their turn and swerve over into my lane. I also try to park in places in parking lots where I can get in and out as quickly as possible to minimize the odds of someone backing into me. I love walking so I don’t mind if it’s a couple hundred extra feet. All of the above is just part of how I drive and is no big deal for me at all. Much easier in my mind to avoid dealing with a smashed up car and wasting my time at the body shop because some idiot hit my car. I think people get into trouble when they assume everyone else is a good alert driver and has a car that they can actually see out of. Oh, and I witnessed an accidenty recently as well; lady realized she was about to miss her turn and swerved over into the lane to her left – only problem was, another car was driving along side her at the time.

[FormerOwner]

I wonder how many of these recent mass-murderers WERE being treated and were taking prescription anti-depressants. I know several people that are on them (some since childhood) and I think some anti-depresants can CAUSE people to have crazy irrational thoughts and possibly even permanentaly alter the brain. You will never hear anything about this in the mainstream media since the pharma companies are MAJOR advertisers. There is a good Frontline episode entitled “The Medicated Child” that goes into some of this but really focuses on young children. What happens when they become adults though? There is a lot of information on the web about this – such as:

Take This Antidepressant, and You Too May Have a Violent Psychotic Break

[FormerOwner]

One thing to keep in mind is that in the 1960’s and 1970’s, people’s wages went up along with rising interest rates and a fall in the value of the dollar. So, basically, the whole economy just got repriced and prices on everything went up in nominal terms. If you owned a house with a mortgage, you made money because the mortgage was priced in dollars at the time you bought and got paid back in dollars that were worth less as time went on. Today, employees have much less power to demand wage increases, so I don’t see wages increasing very rapidly. This will put downward pressure on the rate of increase in house prices. No matter how rapidly the dollar loses value, I don’t see employers give huge raises going forward into the forseeable future. I see food and energy prices rising much faster than house prices going forward – those commodities are traded globally and you can’t double up and share them easily, like you can with a house or an apartment. You can conserve commodities, but only to a point.

[FormerOwner]

What happens if mortgage interest rates go up from the current record lows of 4% for a 30 year mortgage to a more typical 7-8%? How much would people be willing/able to pay for houses then?

Also, while the US as a whole has low housing costs, that is not true for San Diego. In addition, transportation costs in the US (and especially San Diego) are much higher than almost anywhere else in the world. Just think about the cost of buying a car, paying the taxes/reg fees, insurance, maintenance, and all the gas. In much of the world, people walk to work or take public transit, which is much more cost effective.

SD House prices may go sideways for a long time, but I think there IS a lot of downside risk.

[FormerOwner]

I dropped my cable a few months ago and instead am using the following over my medium-speed internet from Cox Cable (around $50/mo): Roku box (which provides NetFlix, and now YouTube, Weather, plus a few other channels I don’t use much), plus Ooma (internet phone calls for $180 up front for the box + $3 per month). I also bought a $15 rabbit ears antenna that gets me 12 local over-the-air channels in crystal clear Hi Def (really) It is working really well.

I suggest you pickup up a decent rabbit ears antenna for around $15 from Best Buy (with the dial to adjust the tuning) and see how many channels you can get at your locaation. That will lead you in the direction of how you want to move forward. For my location, it works great. People are shocked when they see that I am getting all the local stations crystal clear for FREE.

You will have to experiment to find the right location/positioning for the rabbit ears antenna. For me, I set it up in a spot near the TV where I never have to move it. If the rabbit ears works, you could probably upgrade to a more modern-looking antenna for around $50-100 – but I haven’t bothered. People laugh at a high def TV connected to a rabbit ears antenna but they can’t believe how clear it is.

[FormerOwner]

I dropped my cable a few months ago and instead am using the following over my medium-speed internet from Cox Cable (around $50/mo): Roku box (which provides NetFlix, and now YouTube, Weather, plus a few other channels I don’t use much), plus Ooma (internet phone calls for $180 up front for the box + $3 per month). I also bought a $15 rabbit ears antenna that gets me 12 local over-the-air channels in crystal clear Hi Def (really) It is working really well.

I suggest you pickup up a decent rabbit ears antenna for around $15 from Best Buy (with the dial to adjust the tuning) and see how many channels you can get at your locaation. That will lead you in the direction of how you want to move forward. For my location, it works great. People are shocked when they see that I am getting all the local stations crystal clear for FREE.

You will have to experiment to find the right location/positioning for the rabbit ears antenna. For me, I set it up in a spot near the TV where I never have to move it. If the rabbit ears works, you could probably upgrade to a more modern-looking antenna for around $50-100 – but I haven’t bothered. People laugh at a high def TV connected to a rabbit ears antenna but they can’t believe how clear it is.

[FormerOwner]

I dropped my cable a few months ago and instead am using the following over my medium-speed internet from Cox Cable (around $50/mo): Roku box (which provides NetFlix, and now YouTube, Weather, plus a few other channels I don’t use much), plus Ooma (internet phone calls for $180 up front for the box + $3 per month). I also bought a $15 rabbit ears antenna that gets me 12 local over-the-air channels in crystal clear Hi Def (really) It is working really well.

I suggest you pickup up a decent rabbit ears antenna for around $15 from Best Buy (with the dial to adjust the tuning) and see how many channels you can get at your locaation. That will lead you in the direction of how you want to move forward. For my location, it works great. People are shocked when they see that I am getting all the local stations crystal clear for FREE.

You will have to experiment to find the right location/positioning for the rabbit ears antenna. For me, I set it up in a spot near the TV where I never have to move it. If the rabbit ears works, you could probably upgrade to a more modern-looking antenna for around $50-100 – but I haven’t bothered. People laugh at a high def TV connected to a rabbit ears antenna but they can’t believe how clear it is.

[FormerOwner]

I dropped my cable a few months ago and instead am using the following over my medium-speed internet from Cox Cable (around $50/mo): Roku box (which provides NetFlix, and now YouTube, Weather, plus a few other channels I don’t use much), plus Ooma (internet phone calls for $180 up front for the box + $3 per month). I also bought a $15 rabbit ears antenna that gets me 12 local over-the-air channels in crystal clear Hi Def (really) It is working really well.

I suggest you pickup up a decent rabbit ears antenna for around $15 from Best Buy (with the dial to adjust the tuning) and see how many channels you can get at your locaation. That will lead you in the direction of how you want to move forward. For my location, it works great. People are shocked when they see that I am getting all the local stations crystal clear for FREE.

You will have to experiment to find the right location/positioning for the rabbit ears antenna. For me, I set it up in a spot near the TV where I never have to move it. If the rabbit ears works, you could probably upgrade to a more modern-looking antenna for around $50-100 – but I haven’t bothered. People laugh at a high def TV connected to a rabbit ears antenna but they can’t believe how clear it is.

[Author]

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