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  • January 2, 2009 at 11:38 PM in reply to: 30-year mortgage rate falls for the ninth week #323432
    fsbo
    Participant

    HLS,
    Do your lenders offer “free closing cost” re-fi option (with slightly higher rate)? If yes, it’ll make the decision much easier. As long as the “no-cost” rate is better than what I have now, there is no risk to take it – assuming no prepayment penalty in contract provision

    January 2, 2009 at 11:38 PM in reply to: 30-year mortgage rate falls for the ninth week #323511
    fsbo
    Participant

    HLS,
    Do your lenders offer “free closing cost” re-fi option (with slightly higher rate)? If yes, it’ll make the decision much easier. As long as the “no-cost” rate is better than what I have now, there is no risk to take it – assuming no prepayment penalty in contract provision

    December 20, 2008 at 9:14 AM in reply to: Condo market in Mira Mesa #318271
    fsbo
    Participant

    For owner self occupied purchase, PITI w/20% down equal rent is a good starting point, since the tax benefit will well compensate the 20% down payment. If you find a good one you like, you might want to jump off the fence as it’s not far away from the bottom.

    For investors, PITI w/20% down equal rent will not make the property cash flow positive. Housing market will not turn around anytime soon. Investors would not like losing cashes in acquiring and keeping investment properties.

    Before investors flood in, another 10%~15% price drop will be expected…

    December 20, 2008 at 9:14 AM in reply to: Condo market in Mira Mesa #318620
    fsbo
    Participant

    For owner self occupied purchase, PITI w/20% down equal rent is a good starting point, since the tax benefit will well compensate the 20% down payment. If you find a good one you like, you might want to jump off the fence as it’s not far away from the bottom.

    For investors, PITI w/20% down equal rent will not make the property cash flow positive. Housing market will not turn around anytime soon. Investors would not like losing cashes in acquiring and keeping investment properties.

    Before investors flood in, another 10%~15% price drop will be expected…

    December 20, 2008 at 9:14 AM in reply to: Condo market in Mira Mesa #318665
    fsbo
    Participant

    For owner self occupied purchase, PITI w/20% down equal rent is a good starting point, since the tax benefit will well compensate the 20% down payment. If you find a good one you like, you might want to jump off the fence as it’s not far away from the bottom.

    For investors, PITI w/20% down equal rent will not make the property cash flow positive. Housing market will not turn around anytime soon. Investors would not like losing cashes in acquiring and keeping investment properties.

    Before investors flood in, another 10%~15% price drop will be expected…

    December 20, 2008 at 9:14 AM in reply to: Condo market in Mira Mesa #318683
    fsbo
    Participant

    For owner self occupied purchase, PITI w/20% down equal rent is a good starting point, since the tax benefit will well compensate the 20% down payment. If you find a good one you like, you might want to jump off the fence as it’s not far away from the bottom.

    For investors, PITI w/20% down equal rent will not make the property cash flow positive. Housing market will not turn around anytime soon. Investors would not like losing cashes in acquiring and keeping investment properties.

    Before investors flood in, another 10%~15% price drop will be expected…

    December 20, 2008 at 9:14 AM in reply to: Condo market in Mira Mesa #318762
    fsbo
    Participant

    For owner self occupied purchase, PITI w/20% down equal rent is a good starting point, since the tax benefit will well compensate the 20% down payment. If you find a good one you like, you might want to jump off the fence as it’s not far away from the bottom.

    For investors, PITI w/20% down equal rent will not make the property cash flow positive. Housing market will not turn around anytime soon. Investors would not like losing cashes in acquiring and keeping investment properties.

    Before investors flood in, another 10%~15% price drop will be expected…

    November 30, 2008 at 2:44 PM in reply to: Ideas for using a health care expense: #310079
    fsbo
    Participant

    check with your HR to see if your program offers three months extended period…

    November 30, 2008 at 2:44 PM in reply to: Ideas for using a health care expense: #310442
    fsbo
    Participant

    check with your HR to see if your program offers three months extended period…

    November 30, 2008 at 2:44 PM in reply to: Ideas for using a health care expense: #310468
    fsbo
    Participant

    check with your HR to see if your program offers three months extended period…

    November 30, 2008 at 2:44 PM in reply to: Ideas for using a health care expense: #310486
    fsbo
    Participant

    check with your HR to see if your program offers three months extended period…

    November 30, 2008 at 2:44 PM in reply to: Ideas for using a health care expense: #310550
    fsbo
    Participant

    check with your HR to see if your program offers three months extended period…

    August 12, 2008 at 9:55 PM in reply to: It is beginning to feel like 1996 #256314
    fsbo
    Participant

    http://www.payscale.com/research/US/Employer=QUALCOMM_Inc/Salary

    August 12, 2008 at 9:55 PM in reply to: It is beginning to feel like 1996 #256495
    fsbo
    Participant

    http://www.payscale.com/research/US/Employer=QUALCOMM_Inc/Salary

    August 12, 2008 at 9:55 PM in reply to: It is beginning to feel like 1996 #256502
    fsbo
    Participant

    http://www.payscale.com/research/US/Employer=QUALCOMM_Inc/Salary

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