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September 14, 2010 at 9:16 PM in reply to: Investing in bonds – Question for investing gurus #605452September 14, 2010 at 9:16 PM in reply to: Investing in bonds – Question for investing gurus #605559
joec
ParticipantIf 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.
September 14, 2010 at 9:16 PM in reply to: Investing in bonds – Question for investing gurus #605876ParticipantIf 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.
Participant[quote=PKMAN]Is Lennar getting desperate? I ask because:
1. Skyranch new homes are now listed in sdlookup.com. Typically builders do not list new homes on real estate websites. I know Std. Pacific never did with its Riverwalk homes (still selling the townhouses).
2. This weekend I saw a guy holding up a Skyranch billboard on the corner of Mission Gorge and Cuyamaca, by the Santee Town Center.
Northstar homes were once more expensive than Riverwalk (of comparable size) but now they’re about the same. BTW, Riverwalk’s HOA is 3X less.
sunny88 – if you’re still interested in Riverwalk, you better act fast. Homes are selling briskly, I’m meeting new neighbors every day, the second entrance is now opened and the second-to-last phase should complete within the next 2 months.[/quote]
Lennar was posting Skyranch homes on sdlookup back in 2007-2008 when we looked there. They did this for the Crestview models as well as Stone-something and Eaglepoint as well so I don’t think anything has changed for them…
You see sign twirlers for everything now. AT&T cell phones, Great Clips haircuts, Little Caesar’s pizza…
Participant[quote=PKMAN]Is Lennar getting desperate? I ask because:
1. Skyranch new homes are now listed in sdlookup.com. Typically builders do not list new homes on real estate websites. I know Std. Pacific never did with its Riverwalk homes (still selling the townhouses).
2. This weekend I saw a guy holding up a Skyranch billboard on the corner of Mission Gorge and Cuyamaca, by the Santee Town Center.
Northstar homes were once more expensive than Riverwalk (of comparable size) but now they’re about the same. BTW, Riverwalk’s HOA is 3X less.
sunny88 – if you’re still interested in Riverwalk, you better act fast. Homes are selling briskly, I’m meeting new neighbors every day, the second entrance is now opened and the second-to-last phase should complete within the next 2 months.[/quote]
Lennar was posting Skyranch homes on sdlookup back in 2007-2008 when we looked there. They did this for the Crestview models as well as Stone-something and Eaglepoint as well so I don’t think anything has changed for them…
You see sign twirlers for everything now. AT&T cell phones, Great Clips haircuts, Little Caesar’s pizza…
Participant[quote=PKMAN]Is Lennar getting desperate? I ask because:
1. Skyranch new homes are now listed in sdlookup.com. Typically builders do not list new homes on real estate websites. I know Std. Pacific never did with its Riverwalk homes (still selling the townhouses).
2. This weekend I saw a guy holding up a Skyranch billboard on the corner of Mission Gorge and Cuyamaca, by the Santee Town Center.
Northstar homes were once more expensive than Riverwalk (of comparable size) but now they’re about the same. BTW, Riverwalk’s HOA is 3X less.
sunny88 – if you’re still interested in Riverwalk, you better act fast. Homes are selling briskly, I’m meeting new neighbors every day, the second entrance is now opened and the second-to-last phase should complete within the next 2 months.[/quote]
Lennar was posting Skyranch homes on sdlookup back in 2007-2008 when we looked there. They did this for the Crestview models as well as Stone-something and Eaglepoint as well so I don’t think anything has changed for them…
You see sign twirlers for everything now. AT&T cell phones, Great Clips haircuts, Little Caesar’s pizza…
Participant[quote=PKMAN]Is Lennar getting desperate? I ask because:
1. Skyranch new homes are now listed in sdlookup.com. Typically builders do not list new homes on real estate websites. I know Std. Pacific never did with its Riverwalk homes (still selling the townhouses).
2. This weekend I saw a guy holding up a Skyranch billboard on the corner of Mission Gorge and Cuyamaca, by the Santee Town Center.
Northstar homes were once more expensive than Riverwalk (of comparable size) but now they’re about the same. BTW, Riverwalk’s HOA is 3X less.
sunny88 – if you’re still interested in Riverwalk, you better act fast. Homes are selling briskly, I’m meeting new neighbors every day, the second entrance is now opened and the second-to-last phase should complete within the next 2 months.[/quote]
Lennar was posting Skyranch homes on sdlookup back in 2007-2008 when we looked there. They did this for the Crestview models as well as Stone-something and Eaglepoint as well so I don’t think anything has changed for them…
You see sign twirlers for everything now. AT&T cell phones, Great Clips haircuts, Little Caesar’s pizza…
Participant[quote=PKMAN]Is Lennar getting desperate? I ask because:
1. Skyranch new homes are now listed in sdlookup.com. Typically builders do not list new homes on real estate websites. I know Std. Pacific never did with its Riverwalk homes (still selling the townhouses).
2. This weekend I saw a guy holding up a Skyranch billboard on the corner of Mission Gorge and Cuyamaca, by the Santee Town Center.
Northstar homes were once more expensive than Riverwalk (of comparable size) but now they’re about the same. BTW, Riverwalk’s HOA is 3X less.
sunny88 – if you’re still interested in Riverwalk, you better act fast. Homes are selling briskly, I’m meeting new neighbors every day, the second entrance is now opened and the second-to-last phase should complete within the next 2 months.[/quote]
Lennar was posting Skyranch homes on sdlookup back in 2007-2008 when we looked there. They did this for the Crestview models as well as Stone-something and Eaglepoint as well so I don’t think anything has changed for them…
You see sign twirlers for everything now. AT&T cell phones, Great Clips haircuts, Little Caesar’s pizza…
ParticipantSimilar to buying the crappiest lot/house in an area, if I had 2 mil, I’d probably live closer to the coast myself…
Unless you wanted to raise horses and needed a ranch/huge lot or something.
ParticipantSimilar to buying the crappiest lot/house in an area, if I had 2 mil, I’d probably live closer to the coast myself…
Unless you wanted to raise horses and needed a ranch/huge lot or something.
ParticipantSimilar to buying the crappiest lot/house in an area, if I had 2 mil, I’d probably live closer to the coast myself…
Unless you wanted to raise horses and needed a ranch/huge lot or something.
ParticipantSimilar to buying the crappiest lot/house in an area, if I had 2 mil, I’d probably live closer to the coast myself…
Unless you wanted to raise horses and needed a ranch/huge lot or something.
ParticipantSimilar to buying the crappiest lot/house in an area, if I had 2 mil, I’d probably live closer to the coast myself…
Unless you wanted to raise horses and needed a ranch/huge lot or something.
September 12, 2010 at 3:23 PM in reply to: AP Economic Stress Index (by county) & Advanced/Emerging Country Distress Chart #604029ParticipantWe left primarily so we can own a house (if that’s your thing which was ours). It is a ton more affordable here. This is why as bad as the bears see it, housing here in SD for what you get is “cheap” for any norcal or LA person. Pay is lower, but housing cost is much higher than your wage would be up there for most jobs (again, unless you are in certain tech fields).
As for the SF lifestyle, I can see your kids loving it, but just picture some mid 30s guys trying to get down with some 22 year olds and it’s a sad picture. 🙂
As for why, just wasn’t interested in it anymore and had no interest in keeping up. It’s hard to succeed if you simply aren’t interested at all in keeping up with the technology which changes rapidly…
If you’ve worked in SV, SV is all work. I think the AMC Mercado was the only place I’ve seen where companies had job postings before the movie starts.
Bottom line, money isn’t everything. Especially if you make more than 75k apparently 😉 so if you’re not really interested in keeping up with the Jones, leaving the rat race behind isn’t really that big of a deal.
I think a lot of people wouldn’t mind making 20% less if they could work less and still keep their job, health benefits, etc…
September 12, 2010 at 3:23 PM in reply to: AP Economic Stress Index (by county) & Advanced/Emerging Country Distress Chart #604117ParticipantWe left primarily so we can own a house (if that’s your thing which was ours). It is a ton more affordable here. This is why as bad as the bears see it, housing here in SD for what you get is “cheap” for any norcal or LA person. Pay is lower, but housing cost is much higher than your wage would be up there for most jobs (again, unless you are in certain tech fields).
As for the SF lifestyle, I can see your kids loving it, but just picture some mid 30s guys trying to get down with some 22 year olds and it’s a sad picture. 🙂
As for why, just wasn’t interested in it anymore and had no interest in keeping up. It’s hard to succeed if you simply aren’t interested at all in keeping up with the technology which changes rapidly…
If you’ve worked in SV, SV is all work. I think the AMC Mercado was the only place I’ve seen where companies had job postings before the movie starts.
Bottom line, money isn’t everything. Especially if you make more than 75k apparently 😉 so if you’re not really interested in keeping up with the Jones, leaving the rat race behind isn’t really that big of a deal.
I think a lot of people wouldn’t mind making 20% less if they could work less and still keep their job, health benefits, etc…
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