[joec]

In terms of preference, I would actually prefer NOT to live close to/or in a golf resort (again, this is personal preference). Same goes for avoiding homes with pools, club houses, etc…

Agree with the comment above on condos as permabear above.

Funny thing with a lot of the ads is that all those things are standard in most any new development from here to Santee. 🙂

[joec]

In terms of preference, I would actually prefer NOT to live close to/or in a golf resort (again, this is personal preference). Same goes for avoiding homes with pools, club houses, etc…

Agree with the comment above on condos as permabear above.

Funny thing with a lot of the ads is that all those things are standard in most any new development from here to Santee. 🙂

[joec]

In terms of preference, I would actually prefer NOT to live close to/or in a golf resort (again, this is personal preference). Same goes for avoiding homes with pools, club houses, etc…

Agree with the comment above on condos as permabear above.

Funny thing with a lot of the ads is that all those things are standard in most any new development from here to Santee. 🙂

[joec]

I think the main point you’re stating is like I mentioned in another message, people are simply different and like different things and will spend their money where they think is the best value for them. This is why we have more than 1 car manufacturer in the world as well as so many companies for practically everything.

In regards to cities, some people simply don’t like living there. As you hate the suburbs, having lived in a major downtown city (SF), I for one don’t like it at all, especially at this point in my life…That could change if circumstances change, but by then, I could always move as well.

In regards to the Cheesecake factory effect, isn’t that an effect for practically everything we consume? Most people like new, clean, reasonably priced (best bang for the buck) items. This applies to cars, people (attractive, nice, clean, not too expensive ;)…you name it.

Anyhow, not knocking your desire for city life, but amazing to believe, some folks really don’t mind cookie cutter, small lot areas since we have other pursuits/passions in life and where we live is just a place to crash and store stuff.

I think most cities have been moving away from bringing families back to live there due to lower tax revenue and families simply seem to like the whole yard, house, picket fence thing.

[joec]

I think the main point you’re stating is like I mentioned in another message, people are simply different and like different things and will spend their money where they think is the best value for them. This is why we have more than 1 car manufacturer in the world as well as so many companies for practically everything.

In regards to cities, some people simply don’t like living there. As you hate the suburbs, having lived in a major downtown city (SF), I for one don’t like it at all, especially at this point in my life…That could change if circumstances change, but by then, I could always move as well.

In regards to the Cheesecake factory effect, isn’t that an effect for practically everything we consume? Most people like new, clean, reasonably priced (best bang for the buck) items. This applies to cars, people (attractive, nice, clean, not too expensive ;)…you name it.

Anyhow, not knocking your desire for city life, but amazing to believe, some folks really don’t mind cookie cutter, small lot areas since we have other pursuits/passions in life and where we live is just a place to crash and store stuff.

I think most cities have been moving away from bringing families back to live there due to lower tax revenue and families simply seem to like the whole yard, house, picket fence thing.

[joec]

I think the main point you’re stating is like I mentioned in another message, people are simply different and like different things and will spend their money where they think is the best value for them. This is why we have more than 1 car manufacturer in the world as well as so many companies for practically everything.

In regards to cities, some people simply don’t like living there. As you hate the suburbs, having lived in a major downtown city (SF), I for one don’t like it at all, especially at this point in my life…That could change if circumstances change, but by then, I could always move as well.

In regards to the Cheesecake factory effect, isn’t that an effect for practically everything we consume? Most people like new, clean, reasonably priced (best bang for the buck) items. This applies to cars, people (attractive, nice, clean, not too expensive ;)…you name it.

Anyhow, not knocking your desire for city life, but amazing to believe, some folks really don’t mind cookie cutter, small lot areas since we have other pursuits/passions in life and where we live is just a place to crash and store stuff.

I think most cities have been moving away from bringing families back to live there due to lower tax revenue and families simply seem to like the whole yard, house, picket fence thing.

[joec]

I think the main point you’re stating is like I mentioned in another message, people are simply different and like different things and will spend their money where they think is the best value for them. This is why we have more than 1 car manufacturer in the world as well as so many companies for practically everything.

In regards to cities, some people simply don’t like living there. As you hate the suburbs, having lived in a major downtown city (SF), I for one don’t like it at all, especially at this point in my life…That could change if circumstances change, but by then, I could always move as well.

In regards to the Cheesecake factory effect, isn’t that an effect for practically everything we consume? Most people like new, clean, reasonably priced (best bang for the buck) items. This applies to cars, people (attractive, nice, clean, not too expensive ;)…you name it.

Anyhow, not knocking your desire for city life, but amazing to believe, some folks really don’t mind cookie cutter, small lot areas since we have other pursuits/passions in life and where we live is just a place to crash and store stuff.

I think most cities have been moving away from bringing families back to live there due to lower tax revenue and families simply seem to like the whole yard, house, picket fence thing.

[joec]

I think the main point you’re stating is like I mentioned in another message, people are simply different and like different things and will spend their money where they think is the best value for them. This is why we have more than 1 car manufacturer in the world as well as so many companies for practically everything.

In regards to cities, some people simply don’t like living there. As you hate the suburbs, having lived in a major downtown city (SF), I for one don’t like it at all, especially at this point in my life…That could change if circumstances change, but by then, I could always move as well.

In regards to the Cheesecake factory effect, isn’t that an effect for practically everything we consume? Most people like new, clean, reasonably priced (best bang for the buck) items. This applies to cars, people (attractive, nice, clean, not too expensive ;)…you name it.

Anyhow, not knocking your desire for city life, but amazing to believe, some folks really don’t mind cookie cutter, small lot areas since we have other pursuits/passions in life and where we live is just a place to crash and store stuff.

I think most cities have been moving away from bringing families back to live there due to lower tax revenue and families simply seem to like the whole yard, house, picket fence thing.

[joec]

The main problem with company plans is I don’t think a lot of them is portable. When job change happens, folks tend to be busy with a lot of other stuff that they won’t bother to re-qualify for a new plan even though they might need it.

LTD is expensive because there’s a much higher chance you will use it compared to any other insurance throughout your lifetime. I think I’ve read something like 25% throughout your work career…

That goes for Long Term Care as well. Depending on your work, probably nice to have if you can afford it.

[joec]

The main problem with company plans is I don’t think a lot of them is portable. When job change happens, folks tend to be busy with a lot of other stuff that they won’t bother to re-qualify for a new plan even though they might need it.

LTD is expensive because there’s a much higher chance you will use it compared to any other insurance throughout your lifetime. I think I’ve read something like 25% throughout your work career…

That goes for Long Term Care as well. Depending on your work, probably nice to have if you can afford it.

[joec]

The main problem with company plans is I don’t think a lot of them is portable. When job change happens, folks tend to be busy with a lot of other stuff that they won’t bother to re-qualify for a new plan even though they might need it.

LTD is expensive because there’s a much higher chance you will use it compared to any other insurance throughout your lifetime. I think I’ve read something like 25% throughout your work career…

That goes for Long Term Care as well. Depending on your work, probably nice to have if you can afford it.

[joec]

The main problem with company plans is I don’t think a lot of them is portable. When job change happens, folks tend to be busy with a lot of other stuff that they won’t bother to re-qualify for a new plan even though they might need it.

LTD is expensive because there’s a much higher chance you will use it compared to any other insurance throughout your lifetime. I think I’ve read something like 25% throughout your work career…

That goes for Long Term Care as well. Depending on your work, probably nice to have if you can afford it.

[joec]

The main problem with company plans is I don’t think a lot of them is portable. When job change happens, folks tend to be busy with a lot of other stuff that they won’t bother to re-qualify for a new plan even though they might need it.

LTD is expensive because there’s a much higher chance you will use it compared to any other insurance throughout your lifetime. I think I’ve read something like 25% throughout your work career…

That goes for Long Term Care as well. Depending on your work, probably nice to have if you can afford it.

[joec]

If the money is for a home, I’d be hesitant to do anything with it other than cash/CDs/Money Market funds that are instantly liquid. Bond funds have some bad features in that they are perpetual. They never mature so you can’t just hold a bond to maturity and get all your principle back. Lastly, what if EVERYONE dumps the bond fund and the fund managers need to raise cash? They have to sell bonds to meet redemptions which can be a total mess if they have to sell when they don’t really want to…

Also, you never know. What if the government now does crazier stuff and says you can get a 50k tax credit that is refundable and the state of CA gives you another 20k credit?

Heh, who knows what will happen. A lot of times, with housing, it’s more about finding a home you actually want to live in/buy than the lowest price.

Just ask some of the folks who passed the perfect home for a few k and regret it.

[joec]

If the money is for a home, I’d be hesitant to do anything with it other than cash/CDs/Money Market funds that are instantly liquid. Bond funds have some bad features in that they are perpetual. They never mature so you can’t just hold a bond to maturity and get all your principle back. Lastly, what if EVERYONE dumps the bond fund and the fund managers need to raise cash? They have to sell bonds to meet redemptions which can be a total mess if they have to sell when they don’t really want to…

Also, you never know. What if the government now does crazier stuff and says you can get a 50k tax credit that is refundable and the state of CA gives you another 20k credit?

Heh, who knows what will happen. A lot of times, with housing, it’s more about finding a home you actually want to live in/buy than the lowest price.

Just ask some of the folks who passed the perfect home for a few k and regret it.

[Author]

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