[george]

For years I went to the chiropractor every week for lower back pain. Once I got my sleep number bed the back problem disapperaed. I had to play with the firmness setting for a while, but once I got it dialed in it was magic. For the first time in years I was able sleep in, since the back pain was no longer forcing me out of bed. My wife also loves it too, especially when she was pregnant!

[george]

For years I went to the chiropractor every week for lower back pain. Once I got my sleep number bed the back problem disapperaed. I had to play with the firmness setting for a while, but once I got it dialed in it was magic. For the first time in years I was able sleep in, since the back pain was no longer forcing me out of bed. My wife also loves it too, especially when she was pregnant!

[george]

For years I went to the chiropractor every week for lower back pain. Once I got my sleep number bed the back problem disapperaed. I had to play with the firmness setting for a while, but once I got it dialed in it was magic. For the first time in years I was able sleep in, since the back pain was no longer forcing me out of bed. My wife also loves it too, especially when she was pregnant!

[george]

For years I went to the chiropractor every week for lower back pain. Once I got my sleep number bed the back problem disapperaed. I had to play with the firmness setting for a while, but once I got it dialed in it was magic. For the first time in years I was able sleep in, since the back pain was no longer forcing me out of bed. My wife also loves it too, especially when she was pregnant!

[george]

For years I went to the chiropractor every week for lower back pain. Once I got my sleep number bed the back problem disapperaed. I had to play with the firmness setting for a while, but once I got it dialed in it was magic. For the first time in years I was able sleep in, since the back pain was no longer forcing me out of bed. My wife also loves it too, especially when she was pregnant!

[george]

Thanks to all for the valuable info & insights.

Raptor: I didn’t know about Fairbanks Highlands and it looks like it would be a very good candidate for us.

Dwcap: I also really like SLO and I think it would be a great fit for us, but we do have ties to San Diego.

D: I share your concern about having to always drive the kids to visit friends, etc. I would like them to have the freedom be independent. I am not opposed to living in a truly urban area but I haven’t had any luck finding the big houses/big lots & neighborhoods with lots of kids/good schools in the SD urban areas.

[george]

Thanks to all for the valuable info & insights.

Raptor: I didn’t know about Fairbanks Highlands and it looks like it would be a very good candidate for us.

Dwcap: I also really like SLO and I think it would be a great fit for us, but we do have ties to San Diego.

D: I share your concern about having to always drive the kids to visit friends, etc. I would like them to have the freedom be independent. I am not opposed to living in a truly urban area but I haven’t had any luck finding the big houses/big lots & neighborhoods with lots of kids/good schools in the SD urban areas.

[george]

Thanks to all for the valuable info & insights.

Raptor: I didn’t know about Fairbanks Highlands and it looks like it would be a very good candidate for us.

Dwcap: I also really like SLO and I think it would be a great fit for us, but we do have ties to San Diego.

D: I share your concern about having to always drive the kids to visit friends, etc. I would like them to have the freedom be independent. I am not opposed to living in a truly urban area but I haven’t had any luck finding the big houses/big lots & neighborhoods with lots of kids/good schools in the SD urban areas.

[george]

Thanks to all for the valuable info & insights.

Raptor: I didn’t know about Fairbanks Highlands and it looks like it would be a very good candidate for us.

Dwcap: I also really like SLO and I think it would be a great fit for us, but we do have ties to San Diego.

D: I share your concern about having to always drive the kids to visit friends, etc. I would like them to have the freedom be independent. I am not opposed to living in a truly urban area but I haven’t had any luck finding the big houses/big lots & neighborhoods with lots of kids/good schools in the SD urban areas.

[george]

Thanks to all for the valuable info & insights.

Raptor: I didn’t know about Fairbanks Highlands and it looks like it would be a very good candidate for us.

Dwcap: I also really like SLO and I think it would be a great fit for us, but we do have ties to San Diego.

D: I share your concern about having to always drive the kids to visit friends, etc. I would like them to have the freedom be independent. I am not opposed to living in a truly urban area but I haven’t had any luck finding the big houses/big lots & neighborhoods with lots of kids/good schools in the SD urban areas.

[george]

SD Realtor – In reply to your excellent input:

If the market takes a few years to bottom out it’s not a problem for me since I’m self-employed and flexible on when I move.

I have read the raptorduck posts and found them extremely helpful.

You nailed a question on my mind; do kids in gated neighborhoods ever actually hang out in the community centers? I’ve never lived in a “full amenity” gated community so I have no idea whether any of these luxuriously equipped community centers actually attract teenagers (at least during the daytime). If not, it reduces the appeal of a gated community for me, since I am not overly concerned about my house being robbed in a quality community. Still, I like the idea of my kids being bit safer when they are out and about (inside the community gates) and it would be great if they were close enough to able to walk or ride their bikes to their friend’s houses.

As far as HOA and Mello Roos, I think it’s a negative, but not necessarily a showstopper. I would amortize these expenses into the total purchase price over an anticipated hold period. If I have to pay an extra 70,000 spread out over 10 years it’s roughly equivalent to an additional $40K up front, or a couple of percent tacked onto the purchase price. I would simply factor in the extra $40K and see if the price still makes sense. For me, I’m hoping this will be the last home I own before retiring so I would be definitely concerned on how many years a Mello Roos assessment continued.

I prefer new construction to old, but as long as the quality and floor plan of an older home is comparable, and priced to reflect any shortcomings, I’m pretty neutral. I don’t want a fixer upper, but I am not to opposed to a home that needs a cosmetic makeover.

Glad you suggested Fairbanks Ranch since I find it very desirable. One thing I do not like is the desert/arid landscape. I like lots of trees and lush landscaping and an area that’s virtually frost free. I think Fairbanks Ranch meets these criteria.

[george]

SD Realtor – In reply to your excellent input:

If the market takes a few years to bottom out it’s not a problem for me since I’m self-employed and flexible on when I move.

I have read the raptorduck posts and found them extremely helpful.

You nailed a question on my mind; do kids in gated neighborhoods ever actually hang out in the community centers? I’ve never lived in a “full amenity” gated community so I have no idea whether any of these luxuriously equipped community centers actually attract teenagers (at least during the daytime). If not, it reduces the appeal of a gated community for me, since I am not overly concerned about my house being robbed in a quality community. Still, I like the idea of my kids being bit safer when they are out and about (inside the community gates) and it would be great if they were close enough to able to walk or ride their bikes to their friend’s houses.

As far as HOA and Mello Roos, I think it’s a negative, but not necessarily a showstopper. I would amortize these expenses into the total purchase price over an anticipated hold period. If I have to pay an extra 70,000 spread out over 10 years it’s roughly equivalent to an additional $40K up front, or a couple of percent tacked onto the purchase price. I would simply factor in the extra $40K and see if the price still makes sense. For me, I’m hoping this will be the last home I own before retiring so I would be definitely concerned on how many years a Mello Roos assessment continued.

I prefer new construction to old, but as long as the quality and floor plan of an older home is comparable, and priced to reflect any shortcomings, I’m pretty neutral. I don’t want a fixer upper, but I am not to opposed to a home that needs a cosmetic makeover.

Glad you suggested Fairbanks Ranch since I find it very desirable. One thing I do not like is the desert/arid landscape. I like lots of trees and lush landscaping and an area that’s virtually frost free. I think Fairbanks Ranch meets these criteria.

[george]

SD Realtor – In reply to your excellent input:

If the market takes a few years to bottom out it’s not a problem for me since I’m self-employed and flexible on when I move.

I have read the raptorduck posts and found them extremely helpful.

You nailed a question on my mind; do kids in gated neighborhoods ever actually hang out in the community centers? I’ve never lived in a “full amenity” gated community so I have no idea whether any of these luxuriously equipped community centers actually attract teenagers (at least during the daytime). If not, it reduces the appeal of a gated community for me, since I am not overly concerned about my house being robbed in a quality community. Still, I like the idea of my kids being bit safer when they are out and about (inside the community gates) and it would be great if they were close enough to able to walk or ride their bikes to their friend’s houses.

As far as HOA and Mello Roos, I think it’s a negative, but not necessarily a showstopper. I would amortize these expenses into the total purchase price over an anticipated hold period. If I have to pay an extra 70,000 spread out over 10 years it’s roughly equivalent to an additional $40K up front, or a couple of percent tacked onto the purchase price. I would simply factor in the extra $40K and see if the price still makes sense. For me, I’m hoping this will be the last home I own before retiring so I would be definitely concerned on how many years a Mello Roos assessment continued.

I prefer new construction to old, but as long as the quality and floor plan of an older home is comparable, and priced to reflect any shortcomings, I’m pretty neutral. I don’t want a fixer upper, but I am not to opposed to a home that needs a cosmetic makeover.

Glad you suggested Fairbanks Ranch since I find it very desirable. One thing I do not like is the desert/arid landscape. I like lots of trees and lush landscaping and an area that’s virtually frost free. I think Fairbanks Ranch meets these criteria.

[george]

SD Realtor – In reply to your excellent input:

If the market takes a few years to bottom out it’s not a problem for me since I’m self-employed and flexible on when I move.

I have read the raptorduck posts and found them extremely helpful.

You nailed a question on my mind; do kids in gated neighborhoods ever actually hang out in the community centers? I’ve never lived in a “full amenity” gated community so I have no idea whether any of these luxuriously equipped community centers actually attract teenagers (at least during the daytime). If not, it reduces the appeal of a gated community for me, since I am not overly concerned about my house being robbed in a quality community. Still, I like the idea of my kids being bit safer when they are out and about (inside the community gates) and it would be great if they were close enough to able to walk or ride their bikes to their friend’s houses.

As far as HOA and Mello Roos, I think it’s a negative, but not necessarily a showstopper. I would amortize these expenses into the total purchase price over an anticipated hold period. If I have to pay an extra 70,000 spread out over 10 years it’s roughly equivalent to an additional $40K up front, or a couple of percent tacked onto the purchase price. I would simply factor in the extra $40K and see if the price still makes sense. For me, I’m hoping this will be the last home I own before retiring so I would be definitely concerned on how many years a Mello Roos assessment continued.

I prefer new construction to old, but as long as the quality and floor plan of an older home is comparable, and priced to reflect any shortcomings, I’m pretty neutral. I don’t want a fixer upper, but I am not to opposed to a home that needs a cosmetic makeover.

Glad you suggested Fairbanks Ranch since I find it very desirable. One thing I do not like is the desert/arid landscape. I like lots of trees and lush landscaping and an area that’s virtually frost free. I think Fairbanks Ranch meets these criteria.

[george]

SD Realtor – In reply to your excellent input:

If the market takes a few years to bottom out it’s not a problem for me since I’m self-employed and flexible on when I move.

I have read the raptorduck posts and found them extremely helpful.

You nailed a question on my mind; do kids in gated neighborhoods ever actually hang out in the community centers? I’ve never lived in a “full amenity” gated community so I have no idea whether any of these luxuriously equipped community centers actually attract teenagers (at least during the daytime). If not, it reduces the appeal of a gated community for me, since I am not overly concerned about my house being robbed in a quality community. Still, I like the idea of my kids being bit safer when they are out and about (inside the community gates) and it would be great if they were close enough to able to walk or ride their bikes to their friend’s houses.

As far as HOA and Mello Roos, I think it’s a negative, but not necessarily a showstopper. I would amortize these expenses into the total purchase price over an anticipated hold period. If I have to pay an extra 70,000 spread out over 10 years it’s roughly equivalent to an additional $40K up front, or a couple of percent tacked onto the purchase price. I would simply factor in the extra $40K and see if the price still makes sense. For me, I’m hoping this will be the last home I own before retiring so I would be definitely concerned on how many years a Mello Roos assessment continued.

I prefer new construction to old, but as long as the quality and floor plan of an older home is comparable, and priced to reflect any shortcomings, I’m pretty neutral. I don’t want a fixer upper, but I am not to opposed to a home that needs a cosmetic makeover.

Glad you suggested Fairbanks Ranch since I find it very desirable. One thing I do not like is the desert/arid landscape. I like lots of trees and lush landscaping and an area that’s virtually frost free. I think Fairbanks Ranch meets these criteria.

[Author]

Posts