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joec
ParticipantDid anyone just feel an earthquake about 4 minutes ago? like 12:35pm?
September 13, 2011 at 10:17 AM in reply to: When Mello Roos matters . . . your kids get first priority in schools over non-Mello Roos payers #728922ParticipantGood points T4L. I think I read that a lot (and I mean PACKED) folks were filling the water park from outside and that’s why they went with the gate thing for the water park. I read articles that people were coming from as far as Del Mar or CV just to play in the water park and the residents couldn’t use it at all.
I forget who mentioned it, but I think this will probably also raise API scores for the newer schools since these homes around these schools are newer and the economic background of folks moving in are probably richer with more resources for tutors, etc…
Oh well, this is sorta why MR is a crock for everyone just to get property tax from folks. This wouldn’t be an issue if they raised property tax across the board for everyone…Of course, if you lived there already, you wouldn’t vote for that and we’re all stuck again 🙂
Oh yeah, I just did a quick google on a bernardo point house and this was the first one that first popped up. No idea if this 759,900 – 799,900 is current, but that’s more than 100k than what you can get from the new builders so have to factor in the higher price for the lower MR/HOA fees.
September 12, 2011 at 11:02 PM in reply to: When Mello Roos matters . . . your kids get first priority in schools over non-Mello Roos payers #728897ParticipantI thought this was relevant to this old thread:
http://www.signonsandiego.com/news/2011/sep/12/bernardo-point-parents-contest-new-school-lines/“Bernardo Point parents contest new school lines”
Not sure if API scores are the reason why some parents are upset, but the scores are pretty close across the board anyhow. Main difference is probably how “old” the campus is. Couldn’t find when both middle schools were constructed.
2009: Del Norte High 864
1990: Rancho Bernardo High 841Oak Valley Middle 909
Bernardo Heights Middle 8962006: Monterey Ridge Elementary 942
1990: Turtleback Elementary 916September 3, 2011 at 11:24 AM in reply to: OT: My insurance agent cancelled my policy and is rewriting without my knowledge or consent – WTF! #728301ParticipantIn commercial insurance, this probably happens all the time if they don’t want to get into certain lines or areas of coverage. You don’t see it as much in personal lines like car/home, but even then, big insurers like AAA, Statefarm etc pull out of various states as well.
Participantbg, I think what sdr is saying is that all the grade levels, even elementary school at a higher rated school will help at child at high school levels.
Your comments make you come off as just worry about hs and don’t worry about elemen/middle and I’m sure you don’t mean that neither, but the bottom line is if you can send them to higher rated schools with more resources, smarter/harder working and better kids, you’re “probably” be better off later in life.
You’re saying the rich, wealthy girls with the highest grades ends up with the sailor right out of HS, well, look at the % that will do that in the TOP TOP economic circles vs. the much LARGER amount that will in the lower circles.
As much as I hate the tiger mom, her kid is going to Yale I think and got into Harvard as well and is a concert pianist to boot. I’m sure many folks hope to see her fail, but it’s not happening, at least not yet!
Economic and Social status has EVERYTHING to do with how successful, especially professional in work/life.
It’s really who you know. Also, no idea why you like to always add blurbs on HOA/MR, it gets old and makes you look less open minded / wise to meaningful discussions or what anyone has to say.In terms of dumbing materials, it really is based on the general level of the folks. In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.
Participantbg, I think what sdr is saying is that all the grade levels, even elementary school at a higher rated school will help at child at high school levels.
Your comments make you come off as just worry about hs and don’t worry about elemen/middle and I’m sure you don’t mean that neither, but the bottom line is if you can send them to higher rated schools with more resources, smarter/harder working and better kids, you’re “probably” be better off later in life.
You’re saying the rich, wealthy girls with the highest grades ends up with the sailor right out of HS, well, look at the % that will do that in the TOP TOP economic circles vs. the much LARGER amount that will in the lower circles.
As much as I hate the tiger mom, her kid is going to Yale I think and got into Harvard as well and is a concert pianist to boot. I’m sure many folks hope to see her fail, but it’s not happening, at least not yet!
Economic and Social status has EVERYTHING to do with how successful, especially professional in work/life.
It’s really who you know. Also, no idea why you like to always add blurbs on HOA/MR, it gets old and makes you look less open minded / wise to meaningful discussions or what anyone has to say.In terms of dumbing materials, it really is based on the general level of the folks. In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.
Participantbg, I think what sdr is saying is that all the grade levels, even elementary school at a higher rated school will help at child at high school levels.
Your comments make you come off as just worry about hs and don’t worry about elemen/middle and I’m sure you don’t mean that neither, but the bottom line is if you can send them to higher rated schools with more resources, smarter/harder working and better kids, you’re “probably” be better off later in life.
You’re saying the rich, wealthy girls with the highest grades ends up with the sailor right out of HS, well, look at the % that will do that in the TOP TOP economic circles vs. the much LARGER amount that will in the lower circles.
As much as I hate the tiger mom, her kid is going to Yale I think and got into Harvard as well and is a concert pianist to boot. I’m sure many folks hope to see her fail, but it’s not happening, at least not yet!
Economic and Social status has EVERYTHING to do with how successful, especially professional in work/life.
It’s really who you know. Also, no idea why you like to always add blurbs on HOA/MR, it gets old and makes you look less open minded / wise to meaningful discussions or what anyone has to say.In terms of dumbing materials, it really is based on the general level of the folks. In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.
ParticipantYeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.
As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.
Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.
ParticipantYeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.
As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.
Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.
ParticipantYeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.
As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.
Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.
ParticipantYeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.
As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.
Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.
ParticipantYeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.
As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.
Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.
ParticipantI think it will probably depend on the underwriter, but until you apply, it’ll be really hard to know. Maybe the mortgage person who used to post here in the past could give you a better gauge.
I don’t think a lot of these companies care very much about strong fundamentals since the loans are almost always sold to fannie or freddie so they set the guidelines as to what you need.
I remember in our case, I was telling the loan officer to simply tell me what I had to put down to qualify and one company (Wells Fargo) didn’t want to work with us at all. It didn’t matter if we said, 10-20-40-90, just no response even though we submitted all our paperwork.
It didn’t matter if theoretically, we could put 99% down or anything it seemed. A total pain in the ass (we’re self-employed) and no response or updates at all.
Either way, the underwriter may try to look and see if that personal matter may occur again (eg: taking care of parents/ health reasons) and they can deny based on that.
I’d say just apply and see what they say. Pre-approval doesn’t mean much neither I don’t think since the week of closing, they required our latest tax paperwork which we had to deal with last minute.
I really think if you put enough down, they should consider that since you’re taking the risk for the property dropping in value, etc.
ParticipantI think it will probably depend on the underwriter, but until you apply, it’ll be really hard to know. Maybe the mortgage person who used to post here in the past could give you a better gauge.
I don’t think a lot of these companies care very much about strong fundamentals since the loans are almost always sold to fannie or freddie so they set the guidelines as to what you need.
I remember in our case, I was telling the loan officer to simply tell me what I had to put down to qualify and one company (Wells Fargo) didn’t want to work with us at all. It didn’t matter if we said, 10-20-40-90, just no response even though we submitted all our paperwork.
It didn’t matter if theoretically, we could put 99% down or anything it seemed. A total pain in the ass (we’re self-employed) and no response or updates at all.
Either way, the underwriter may try to look and see if that personal matter may occur again (eg: taking care of parents/ health reasons) and they can deny based on that.
I’d say just apply and see what they say. Pre-approval doesn’t mean much neither I don’t think since the week of closing, they required our latest tax paperwork which we had to deal with last minute.
I really think if you put enough down, they should consider that since you’re taking the risk for the property dropping in value, etc.
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