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JJGittes
ParticipantBressi: ridiculous HOA fees and mello roos. Also, although individually the houses look OK, I am not sure how well the mixed up styles will age together. Also, the lots are puny…almost like row house living on some streets. The airplane noise will get worse as time goes on. It is also a ways from any freeway. Poinsettia, which should be punched through soon should help, (but the noise from it is going to kill the neighborhoods that back up to it between I-5 and ElCamino Real). On the bright side, Bressi is in the Carlsbad school district, as opposed to R Carillo (and LaCosta Greens for that matter) which is in the San Marcos district. Bressi is also getting its own new elem school. I’m sure it will be great. But for me, the HOA and MR are deal killers.
ParticipantA little off point, but have you seen the listing for 62xx Village Green Dr. in Bressi? It notes that it is priced well at $200k below the model home that has the same floorplan. But get a load of the HOA fees — $205. Ouch. And they are on top of high mello roos. Between taxes, MR and HOA, you’d be on the hook for $1200 a month, BEFORE your mortgage. Boy, “older” (La Costa Valley, Aviara and others 8-15 yrs old) communites ain’t looking so bad. Lower HOA and MR will be selling points on these other areas.
December 23, 2006 at 8:28 AM in reply to: nesting young 4s Ranch experiences and puzzling questions #42296ParticipantI looked into the deductability of MR pretty closely when I was considering (briefly) buying in a community with about $3500 a year of MR. The rules are complex, and come down to what the MR is paying for. HOWEVER, that said, I too have never come across anyone in SD who is not deducting their full MR, just like mort. interest, on their taxes. I also asked my tax guy and he just rolled his eyes and said he has never seen it not deducted, nor has he seen anyone given a hard time by the IRS over it. He said the reality is that the IRS probably could not figure out if a specific case actually qualified or not, and there are easier things to go after.
But all this is just my observations, so of course get professional advice and make up your own mind.
Participantsdr, good examples. However, I have many friends who don’t live and breathe this stuff and who also don’t think prices have backed off. The best I can figure is that folks simply look at the ads in the sunday paper and see house after house above $800k, or 900, or even 1 mill, that are basically just tract houses in decent neighborhoods, and feel discouraged that they are nowhere near being able to afford them, even though these poeple went to school and have done all the right things in their lives. In other words, when you have perpetual sticker shock, a drop of 5 or 10% is not noticed because it is inconsequential….couldn’t afford it before, can’t afford it now.
ParticipantFrom what I have seen, the cream of the crop, as long as it is priced in the 2004-2005 range is still selling. What has changed is that 1-2 years ago it would have been the smaller model houses on the worst, smallest and most noisy lots that sold at the premium price. Now, the junk just sits, while the motivated buyers pick off the primo properties at prices that may be at or even slightly above the mean/median of a year ago. Thus, the stats don’t reflect the reality for the 90% of homes that are not the best in neighborhood and have dropped in value 5-15%, if they’d sell at all now.
Don’t know if I am making sense, but this is what I think is going on….
(also, I actually looked at the house profiled above. Its nice enough, but that back neighbor just stares right down at you. No thanks for 3/4 mill and probably $12k a year in taxes. They also have kind of wierd floorplans.)
ParticipantFacetious, or maybe even a little sarcastic…. Glad to see you can read between the lines, waitingandwaiting. I wouldn’t want the minimal wit I have totally wasted.
ParticipantCalavera has never done it for me. It is in the northeast corner of Carlsbad and just doesn’t have the feel that the southern parts of Carlsbad have. Also, I suspect that you would do much of your shopping in areas overlapping with some not so nice parts of Oceanside. Its also not that much cheaper. All in all, I’d rather be in the Southern part of Carlsbad, and idealy even in the San Deguito school district.
ParticipantWow Cardiffbaseball, you obviously just don’t get it. That reduction of the top marginal fed. rate from 39.6% to 35% by the evil R’s was nothing more than a giveaway to the rich. Sure, in Cali. the rich pay a combined state/fed income tax rate of about 45%, not including SS and medicare (both sides if self-employed). But, hey, they can afford it, and other people really need that money.
Also, you simply must realize that a reduction in benefits to the poor is clearly no different from a tax increase on a middle class person. In both instances, the government is taking something away from somebody, right?
Please, get with it!
ParticipantMexico certainly does have its issues.
http://news.yahoo.com/s/kgtv/20061118/lo_kgtv/10348245
And this took place in the boondocks, hundreds of miles south of TJ and Ensenada, where ‘everyone is friendly.’ Yeah, I know it happens here too, but I suspect the investigation and follow-up from the cops and DA here may be bit more enthusiastic.
And regarding downtown SD, like the downtowns of most big cities, I find it pretty much to be a dirty pit.
November 13, 2006 at 12:03 PM in reply to: Spiegel: Bush can barely string a sentence together, and more #39862ParticipantWow, the idiot that can’t string a complete sentence together fooled all of the Democrat rocket scientists quoted above, along with the rest of the “world community.” That Bush, he clearly is an evil genius.
Of course, one must wonder why such an evil genius, knowing WMDs would not be found, did not have them planted ahead of time, did not forsee the discord resulting from them not being found, and ended up as a lame duck with an opposition party now controlling the legislative branch for his final two years. Alas, perhaps the grand plan will unfold in time for our grand children’s history books.
One last question though, what happened to all that non-WMD stuf that rained down on those Kurdish villages that suffocated those thousands of men, women and children? Even after 10 years of inspection (less the 2 or 3 Saddam kicked him out), the Swede lawyer Blix could still not certify that Iraq had destroyed its arsenal. For all our sakes, I hope it does not end up here, via Syria or the Becca Valley, or the worst predictions regarding San Diego’s unfolding real estate plunge will certainly come true.
November 13, 2006 at 11:20 AM in reply to: Spiegel: Bush can barely string a sentence together, and more #39856ParticipantWhy should the Country “hold Bush accountable” regarding Iraq, when it just put into power people who said the following…… once upon a time:
“I will be voting to give the president of the United States the authority to use force – if necessary – to disarm Saddam Hussein because I believe that a deadly arsenal of weapons of mass destruction in his hands is a real and grave threat to our security.” — John F. Kerry, Oct 2002
“The threat of Saddam Hussein with weapons of mass destruction is real, but as I said, it is not new. It has been with us since the end of that war, and particularly in the last 4 years we know after Operation Desert Fox failed to force him to reaccept them, that he has continued to build those weapons. He has had a free hand for 4 years to reconstitute these weapons, allowing the world, during the interval, to lose the focus we had on weapons of mass destruction and the issue of proliferation.” — John Kerry, October 9, 2002
“(W)e need to disarm Saddam Hussein. He is a brutal, murderous dictator, leading an oppressive regime. We all know the litany of his offenses. He presents a particularly grievous threat because he is so consistently prone to miscalculation. …And now he is miscalculating America’s response to his continued deceit and his consistent grasp for weapons of mass destruction. That is why the world, through the United Nations Security Council, has spoken with one voice, demanding that Iraq disclose its weapons programs and disarm. So the threat of Saddam Hussein with weapons of mass destruction is real, but it is not new. It has been with us since the end of the Persian Gulf War.” — John Kerry, Jan 23, 2003
“We begin with the common belief that Saddam Hussein is a tyrant and a threat to the peace and stability of the region. He has ignored the mandates of the United Nations and is building weapons of mass destruction and the means of delivering them.” — Carl Levin, Sept 19, 2002
“Over the years, Iraq has worked to develop nuclear, chemical and biological weapons. During 1991 – 1994, despite Iraq’s denials, U.N. inspectors discovered and dismantled a large network of nuclear facilities that Iraq was using to develop nuclear weapons. Various reports indicate that Iraq is still actively pursuing nuclear weapons capability. There is no reason to think otherwise. Beyond nuclear weapons, Iraq has actively pursued biological and chemical weapons.U.N. inspectors have said that Iraq’s claims about biological weapons is neither credible nor verifiable. In 1986, Iraq used chemical weapons against Iran, and later, against its own Kurdish population. While weapons inspections have been successful in the past, there have been no inspections since the end of 1998. There can be no doubt that Iraq has continued to pursue its goal of obtaining weapons of mass destruction.” — Patty Murray, October 9, 2002
“As a member of the House Intelligence Committee, I am keenly aware that the proliferation of chemical and biological weapons is an issue of grave importance to all nations. Saddam Hussein has been engaged in the development of weapons of mass destruction technology which is a threat to countries in the region and he has made a mockery of the weapons inspection process.” — Nancy Pelosi, December 16, 1998
ParticipantUS Democrats are not the only ones popping champagne corks:
ParticipantEh, east of 5. Perhaps technically Cardiff, but not what comes to my mind when the advertisement says ‘Cardiff beach community.’ Also, whenever the write up goes out of its way to say “sold as is”, you gotta wonder…
ParticipantFYI, Hitchens on Fairenheit 9/11. http://www.slate.com/id/2102723/
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