[joec]

Am I the only one who thinks we actually should do racial profiling or background profiling? Like martin said, all this TSA security crap is mostly a waste of time and there are easier ways for terrorists (I feel) to attack planes if they wanted to. Bribes to various workers seem the easiest way or better yet, start them young and have them work and move up in the system while all alone, they work for the bad folks (like those movies). There’s just this “ohhh, it’s so not fair, it’s racial profiling, etc etc…” I say just live with it and that’s unfortunate this is the world we live in now.

At least with profiling, you go after the most obvious folks and don’t waste time on little 3 year old girls or 65 year old grandma’s who would be stopped easily by other passengers.

In my list, men of age 12-65 probably are higher risk. Anyone from those suspected problem countries. Single men traveling alone. For business travelers, maybe they can start using retinal, finger print scanning and compare records with companies or something else.

Just publicize it and in the future, when we go to war with China, I’ll probably just have to spend 5 hours in a room for a nice security pat down before my flight. That alone would deter a lot of terrorist since they know they will be vetted for 5 hours already and how will you gang meet up if all of you would be checked?

Honestly, after 9/11, I think the other passengers would stop most threats since they all probably figure they will die anyways if something occurred so for all we know, Bin Laden is just laughing at the US now with the waste of time/money and they aren’t really doing any attacks in this area now.

I’m sure they are focusing on something that we aren’t checking similar to how virus writers work, etc…

[joec]

Am I the only one who thinks we actually should do racial profiling or background profiling? Like martin said, all this TSA security crap is mostly a waste of time and there are easier ways for terrorists (I feel) to attack planes if they wanted to. Bribes to various workers seem the easiest way or better yet, start them young and have them work and move up in the system while all alone, they work for the bad folks (like those movies). There’s just this “ohhh, it’s so not fair, it’s racial profiling, etc etc…” I say just live with it and that’s unfortunate this is the world we live in now.

At least with profiling, you go after the most obvious folks and don’t waste time on little 3 year old girls or 65 year old grandma’s who would be stopped easily by other passengers.

In my list, men of age 12-65 probably are higher risk. Anyone from those suspected problem countries. Single men traveling alone. For business travelers, maybe they can start using retinal, finger print scanning and compare records with companies or something else.

Just publicize it and in the future, when we go to war with China, I’ll probably just have to spend 5 hours in a room for a nice security pat down before my flight. That alone would deter a lot of terrorist since they know they will be vetted for 5 hours already and how will you gang meet up if all of you would be checked?

Honestly, after 9/11, I think the other passengers would stop most threats since they all probably figure they will die anyways if something occurred so for all we know, Bin Laden is just laughing at the US now with the waste of time/money and they aren’t really doing any attacks in this area now.

I’m sure they are focusing on something that we aren’t checking similar to how virus writers work, etc…

[joec]

Am I the only one who thinks we actually should do racial profiling or background profiling? Like martin said, all this TSA security crap is mostly a waste of time and there are easier ways for terrorists (I feel) to attack planes if they wanted to. Bribes to various workers seem the easiest way or better yet, start them young and have them work and move up in the system while all alone, they work for the bad folks (like those movies). There’s just this “ohhh, it’s so not fair, it’s racial profiling, etc etc…” I say just live with it and that’s unfortunate this is the world we live in now.

At least with profiling, you go after the most obvious folks and don’t waste time on little 3 year old girls or 65 year old grandma’s who would be stopped easily by other passengers.

In my list, men of age 12-65 probably are higher risk. Anyone from those suspected problem countries. Single men traveling alone. For business travelers, maybe they can start using retinal, finger print scanning and compare records with companies or something else.

Just publicize it and in the future, when we go to war with China, I’ll probably just have to spend 5 hours in a room for a nice security pat down before my flight. That alone would deter a lot of terrorist since they know they will be vetted for 5 hours already and how will you gang meet up if all of you would be checked?

Honestly, after 9/11, I think the other passengers would stop most threats since they all probably figure they will die anyways if something occurred so for all we know, Bin Laden is just laughing at the US now with the waste of time/money and they aren’t really doing any attacks in this area now.

I’m sure they are focusing on something that we aren’t checking similar to how virus writers work, etc…

[joec]

[quote=bearishgurl]
joec, the reason the CFD’s were created in the 80’s was to sell bonds to encourage development…The creation of the CFD’s had nothing to do with Prop 13.[/quote]

Pretty much everything I have read says MR has a good deal to do with Prop 13 because without Prop 13, you would not need to create the MR bond to begin with and you can simply tax folks directly to create these facilities.

http://tinyurl.com/2dpkflt
No idea on how accurate this article is, but, I quote…”Prop 13 created a challenge when it came to developing new neighborhoods. The cost of Prop 13 to the municipalities (Local Government) was significant and left them with little ability to fund the necessary improvements in order to create a safe and quality new development…

…The answer? In 1982, the California State Legislature enacted the; Community Facilities District Act. The “nick name” generally adopted is called Mello-Roos…”

[quote=bearishgurl]
Aside from a prime location, the often generous lot sizes and quality of construction are the reasons behind why many buyers think older neighborhoods are “expensive.” You pay for exactly what you get in this life.[/quote]

The older neighborhoods are more “expensive” PRIMARILY for their location. There’s a reason why in real estate, it’s always been about “Location, Location, Location”.

Construction quality is much lower on the list since if it’s not in a desirable area, no one really cares how well it’s constructed…(or how big the lot is). Free homes in Detroit anyone?

[joec]

[quote=bearishgurl]
joec, the reason the CFD’s were created in the 80’s was to sell bonds to encourage development…The creation of the CFD’s had nothing to do with Prop 13.[/quote]

Pretty much everything I have read says MR has a good deal to do with Prop 13 because without Prop 13, you would not need to create the MR bond to begin with and you can simply tax folks directly to create these facilities.

http://tinyurl.com/2dpkflt
No idea on how accurate this article is, but, I quote…”Prop 13 created a challenge when it came to developing new neighborhoods. The cost of Prop 13 to the municipalities (Local Government) was significant and left them with little ability to fund the necessary improvements in order to create a safe and quality new development…

…The answer? In 1982, the California State Legislature enacted the; Community Facilities District Act. The “nick name” generally adopted is called Mello-Roos…”

[quote=bearishgurl]
Aside from a prime location, the often generous lot sizes and quality of construction are the reasons behind why many buyers think older neighborhoods are “expensive.” You pay for exactly what you get in this life.[/quote]

The older neighborhoods are more “expensive” PRIMARILY for their location. There’s a reason why in real estate, it’s always been about “Location, Location, Location”.

Construction quality is much lower on the list since if it’s not in a desirable area, no one really cares how well it’s constructed…(or how big the lot is). Free homes in Detroit anyone?

[joec]

[quote=bearishgurl]
joec, the reason the CFD’s were created in the 80’s was to sell bonds to encourage development…The creation of the CFD’s had nothing to do with Prop 13.[/quote]

Pretty much everything I have read says MR has a good deal to do with Prop 13 because without Prop 13, you would not need to create the MR bond to begin with and you can simply tax folks directly to create these facilities.

http://tinyurl.com/2dpkflt
No idea on how accurate this article is, but, I quote…”Prop 13 created a challenge when it came to developing new neighborhoods. The cost of Prop 13 to the municipalities (Local Government) was significant and left them with little ability to fund the necessary improvements in order to create a safe and quality new development…

…The answer? In 1982, the California State Legislature enacted the; Community Facilities District Act. The “nick name” generally adopted is called Mello-Roos…”

[quote=bearishgurl]
Aside from a prime location, the often generous lot sizes and quality of construction are the reasons behind why many buyers think older neighborhoods are “expensive.” You pay for exactly what you get in this life.[/quote]

The older neighborhoods are more “expensive” PRIMARILY for their location. There’s a reason why in real estate, it’s always been about “Location, Location, Location”.

Construction quality is much lower on the list since if it’s not in a desirable area, no one really cares how well it’s constructed…(or how big the lot is). Free homes in Detroit anyone?

[joec]

[quote=bearishgurl]
joec, the reason the CFD’s were created in the 80’s was to sell bonds to encourage development…The creation of the CFD’s had nothing to do with Prop 13.[/quote]

Pretty much everything I have read says MR has a good deal to do with Prop 13 because without Prop 13, you would not need to create the MR bond to begin with and you can simply tax folks directly to create these facilities.

http://tinyurl.com/2dpkflt
No idea on how accurate this article is, but, I quote…”Prop 13 created a challenge when it came to developing new neighborhoods. The cost of Prop 13 to the municipalities (Local Government) was significant and left them with little ability to fund the necessary improvements in order to create a safe and quality new development…

…The answer? In 1982, the California State Legislature enacted the; Community Facilities District Act. The “nick name” generally adopted is called Mello-Roos…”

[quote=bearishgurl]
Aside from a prime location, the often generous lot sizes and quality of construction are the reasons behind why many buyers think older neighborhoods are “expensive.” You pay for exactly what you get in this life.[/quote]

The older neighborhoods are more “expensive” PRIMARILY for their location. There’s a reason why in real estate, it’s always been about “Location, Location, Location”.

Construction quality is much lower on the list since if it’s not in a desirable area, no one really cares how well it’s constructed…(or how big the lot is). Free homes in Detroit anyone?

[joec]

[quote=bearishgurl]
joec, the reason the CFD’s were created in the 80’s was to sell bonds to encourage development…The creation of the CFD’s had nothing to do with Prop 13.[/quote]

Pretty much everything I have read says MR has a good deal to do with Prop 13 because without Prop 13, you would not need to create the MR bond to begin with and you can simply tax folks directly to create these facilities.

http://tinyurl.com/2dpkflt
No idea on how accurate this article is, but, I quote…”Prop 13 created a challenge when it came to developing new neighborhoods. The cost of Prop 13 to the municipalities (Local Government) was significant and left them with little ability to fund the necessary improvements in order to create a safe and quality new development…

…The answer? In 1982, the California State Legislature enacted the; Community Facilities District Act. The “nick name” generally adopted is called Mello-Roos…”

[quote=bearishgurl]
Aside from a prime location, the often generous lot sizes and quality of construction are the reasons behind why many buyers think older neighborhoods are “expensive.” You pay for exactly what you get in this life.[/quote]

The older neighborhoods are more “expensive” PRIMARILY for their location. There’s a reason why in real estate, it’s always been about “Location, Location, Location”.

Construction quality is much lower on the list since if it’s not in a desirable area, no one really cares how well it’s constructed…(or how big the lot is). Free homes in Detroit anyone?

[joec]

The “evil theory” probably pops up because on a lot of posts, the is a general mention/blurb on MR/HOAs and the feel of the message is being very bad and folks who buy one of these properties are pretty stupid. That’s my impression when I read some of the postings at least.

You do provide a lot of other valuable advice here and I, as many others I’m sure appreciate that. But it’s just done so often that it gets old when most folks know already and your stance on it.

In the end, I’ve stated this before. If you want new or much newer, you are going to have to pay MR in San Diego and I assume, many other areas in CA due to Prop 13…and probably HOA as well. That HOA is really high in your example btw.

One thing to also look at is that even though you can remodel the 50s place with new landscaping, kitchen/baths, some things would (I assume) be a major pain to do for folks who don’t have the time or desire. Is insulation a hassle? Maybe, but maybe not (I really don’t know and don’t care to know or spend time learning), but that seems like a big hassle to rip out every wall to redo better insulation/construction on the whole house.

A friend was visiting me here in SD and they were looking at places in Del Mar and said that some of the places are so old, there simply isn’t any insulation worth mentioning at all.

We currently live in a newer place and rarely need to use air con even though we are north county inland. Power bill during summer sits around $60-70 for 3k+ sqft.

Similar to our 1k sqft apartment which was built in the 80s which got a TON hotter and more unbearable.

[joec]

The “evil theory” probably pops up because on a lot of posts, the is a general mention/blurb on MR/HOAs and the feel of the message is being very bad and folks who buy one of these properties are pretty stupid. That’s my impression when I read some of the postings at least.

You do provide a lot of other valuable advice here and I, as many others I’m sure appreciate that. But it’s just done so often that it gets old when most folks know already and your stance on it.

In the end, I’ve stated this before. If you want new or much newer, you are going to have to pay MR in San Diego and I assume, many other areas in CA due to Prop 13…and probably HOA as well. That HOA is really high in your example btw.

One thing to also look at is that even though you can remodel the 50s place with new landscaping, kitchen/baths, some things would (I assume) be a major pain to do for folks who don’t have the time or desire. Is insulation a hassle? Maybe, but maybe not (I really don’t know and don’t care to know or spend time learning), but that seems like a big hassle to rip out every wall to redo better insulation/construction on the whole house.

A friend was visiting me here in SD and they were looking at places in Del Mar and said that some of the places are so old, there simply isn’t any insulation worth mentioning at all.

We currently live in a newer place and rarely need to use air con even though we are north county inland. Power bill during summer sits around $60-70 for 3k+ sqft.

Similar to our 1k sqft apartment which was built in the 80s which got a TON hotter and more unbearable.

[joec]

The “evil theory” probably pops up because on a lot of posts, the is a general mention/blurb on MR/HOAs and the feel of the message is being very bad and folks who buy one of these properties are pretty stupid. That’s my impression when I read some of the postings at least.

You do provide a lot of other valuable advice here and I, as many others I’m sure appreciate that. But it’s just done so often that it gets old when most folks know already and your stance on it.

In the end, I’ve stated this before. If you want new or much newer, you are going to have to pay MR in San Diego and I assume, many other areas in CA due to Prop 13…and probably HOA as well. That HOA is really high in your example btw.

One thing to also look at is that even though you can remodel the 50s place with new landscaping, kitchen/baths, some things would (I assume) be a major pain to do for folks who don’t have the time or desire. Is insulation a hassle? Maybe, but maybe not (I really don’t know and don’t care to know or spend time learning), but that seems like a big hassle to rip out every wall to redo better insulation/construction on the whole house.

A friend was visiting me here in SD and they were looking at places in Del Mar and said that some of the places are so old, there simply isn’t any insulation worth mentioning at all.

We currently live in a newer place and rarely need to use air con even though we are north county inland. Power bill during summer sits around $60-70 for 3k+ sqft.

Similar to our 1k sqft apartment which was built in the 80s which got a TON hotter and more unbearable.

[joec]

The “evil theory” probably pops up because on a lot of posts, the is a general mention/blurb on MR/HOAs and the feel of the message is being very bad and folks who buy one of these properties are pretty stupid. That’s my impression when I read some of the postings at least.

You do provide a lot of other valuable advice here and I, as many others I’m sure appreciate that. But it’s just done so often that it gets old when most folks know already and your stance on it.

In the end, I’ve stated this before. If you want new or much newer, you are going to have to pay MR in San Diego and I assume, many other areas in CA due to Prop 13…and probably HOA as well. That HOA is really high in your example btw.

One thing to also look at is that even though you can remodel the 50s place with new landscaping, kitchen/baths, some things would (I assume) be a major pain to do for folks who don’t have the time or desire. Is insulation a hassle? Maybe, but maybe not (I really don’t know and don’t care to know or spend time learning), but that seems like a big hassle to rip out every wall to redo better insulation/construction on the whole house.

A friend was visiting me here in SD and they were looking at places in Del Mar and said that some of the places are so old, there simply isn’t any insulation worth mentioning at all.

We currently live in a newer place and rarely need to use air con even though we are north county inland. Power bill during summer sits around $60-70 for 3k+ sqft.

Similar to our 1k sqft apartment which was built in the 80s which got a TON hotter and more unbearable.

[joec]

The “evil theory” probably pops up because on a lot of posts, the is a general mention/blurb on MR/HOAs and the feel of the message is being very bad and folks who buy one of these properties are pretty stupid. That’s my impression when I read some of the postings at least.

You do provide a lot of other valuable advice here and I, as many others I’m sure appreciate that. But it’s just done so often that it gets old when most folks know already and your stance on it.

In the end, I’ve stated this before. If you want new or much newer, you are going to have to pay MR in San Diego and I assume, many other areas in CA due to Prop 13…and probably HOA as well. That HOA is really high in your example btw.

One thing to also look at is that even though you can remodel the 50s place with new landscaping, kitchen/baths, some things would (I assume) be a major pain to do for folks who don’t have the time or desire. Is insulation a hassle? Maybe, but maybe not (I really don’t know and don’t care to know or spend time learning), but that seems like a big hassle to rip out every wall to redo better insulation/construction on the whole house.

A friend was visiting me here in SD and they were looking at places in Del Mar and said that some of the places are so old, there simply isn’t any insulation worth mentioning at all.

We currently live in a newer place and rarely need to use air con even though we are north county inland. Power bill during summer sits around $60-70 for 3k+ sqft.

Similar to our 1k sqft apartment which was built in the 80s which got a TON hotter and more unbearable.

[joec]

Not sure your age, how long you’ve worked, longer term career plans, etc, but I’d get rid of any on going credit card debt first to have 1 less thing to worry about.

At this point, you have about 4k liquid. Not sure what you have in retirement, but I’m a big fan of the cheapest rental you can afford and save save save. This maybe harder if you care where you live (I never did when I rented since it’s a rental as long as it’s close to work.).

Housing prices probably aren’t going to move up much anytime soon and interest rates “should” remain low for a while (at least according to the fed).

Based on all that, I’d just work to improve my credit (read the fico forums) and save for a larger down payment.

[joec]

Not sure your age, how long you’ve worked, longer term career plans, etc, but I’d get rid of any on going credit card debt first to have 1 less thing to worry about.

At this point, you have about 4k liquid. Not sure what you have in retirement, but I’m a big fan of the cheapest rental you can afford and save save save. This maybe harder if you care where you live (I never did when I rented since it’s a rental as long as it’s close to work.).

Housing prices probably aren’t going to move up much anytime soon and interest rates “should” remain low for a while (at least according to the fed).

Based on all that, I’d just work to improve my credit (read the fico forums) and save for a larger down payment.

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