[jpinpb]

OK. For a minute there I was thinking the world was shrinking. I know someone who bought in Clairemont in 1990 for 150k. Dropped slightly in the early/mid 90’s. Went up to 450k during the boom and now down to 350k. He refinanced and did a 15 year loan I forget when. He has savings. He’s got a civil service job and wife is a teacher. He’s probably due to retire in about 10 years or so, thereabouts, maybe less. Pretty conservative. They are not major consumers. They do travel quite a bit.

DWCAP – I see your point. When I went back to school something possessed me to buy some AAPL. Not much. Didn’t have too much $$$ but picked it up for 30 something. Hindsight is a killer. Should’ve taken a loan and bought some more stock back then. Crystal ball wasn’t working too well. Just did it on a whim.

Of course, the place did provide housing and that is worth something.

[jpinpb]

OK. For a minute there I was thinking the world was shrinking. I know someone who bought in Clairemont in 1990 for 150k. Dropped slightly in the early/mid 90’s. Went up to 450k during the boom and now down to 350k. He refinanced and did a 15 year loan I forget when. He has savings. He’s got a civil service job and wife is a teacher. He’s probably due to retire in about 10 years or so, thereabouts, maybe less. Pretty conservative. They are not major consumers. They do travel quite a bit.

DWCAP – I see your point. When I went back to school something possessed me to buy some AAPL. Not much. Didn’t have too much $$$ but picked it up for 30 something. Hindsight is a killer. Should’ve taken a loan and bought some more stock back then. Crystal ball wasn’t working too well. Just did it on a whim.

Of course, the place did provide housing and that is worth something.

[jpinpb]

OK. For a minute there I was thinking the world was shrinking. I know someone who bought in Clairemont in 1990 for 150k. Dropped slightly in the early/mid 90’s. Went up to 450k during the boom and now down to 350k. He refinanced and did a 15 year loan I forget when. He has savings. He’s got a civil service job and wife is a teacher. He’s probably due to retire in about 10 years or so, thereabouts, maybe less. Pretty conservative. They are not major consumers. They do travel quite a bit.

DWCAP – I see your point. When I went back to school something possessed me to buy some AAPL. Not much. Didn’t have too much $$$ but picked it up for 30 something. Hindsight is a killer. Should’ve taken a loan and bought some more stock back then. Crystal ball wasn’t working too well. Just did it on a whim.

Of course, the place did provide housing and that is worth something.

[jpinpb]

OK. For a minute there I was thinking the world was shrinking. I know someone who bought in Clairemont in 1990 for 150k. Dropped slightly in the early/mid 90’s. Went up to 450k during the boom and now down to 350k. He refinanced and did a 15 year loan I forget when. He has savings. He’s got a civil service job and wife is a teacher. He’s probably due to retire in about 10 years or so, thereabouts, maybe less. Pretty conservative. They are not major consumers. They do travel quite a bit.

DWCAP – I see your point. When I went back to school something possessed me to buy some AAPL. Not much. Didn’t have too much $$$ but picked it up for 30 something. Hindsight is a killer. Should’ve taken a loan and bought some more stock back then. Crystal ball wasn’t working too well. Just did it on a whim.

Of course, the place did provide housing and that is worth something.

[jpinpb]

OK. For a minute there I was thinking the world was shrinking. I know someone who bought in Clairemont in 1990 for 150k. Dropped slightly in the early/mid 90’s. Went up to 450k during the boom and now down to 350k. He refinanced and did a 15 year loan I forget when. He has savings. He’s got a civil service job and wife is a teacher. He’s probably due to retire in about 10 years or so, thereabouts, maybe less. Pretty conservative. They are not major consumers. They do travel quite a bit.

DWCAP – I see your point. When I went back to school something possessed me to buy some AAPL. Not much. Didn’t have too much $$$ but picked it up for 30 something. Hindsight is a killer. Should’ve taken a loan and bought some more stock back then. Crystal ball wasn’t working too well. Just did it on a whim.

Of course, the place did provide housing and that is worth something.

[jpinpb]

Rustico – Too weird. I know someone exactly like this in Clairemont, the same scenario. His name wouldn’t by chance be Chuck?

[jpinpb]

Rustico – Too weird. I know someone exactly like this in Clairemont, the same scenario. His name wouldn’t by chance be Chuck?

[jpinpb]

Rustico – Too weird. I know someone exactly like this in Clairemont, the same scenario. His name wouldn’t by chance be Chuck?

[jpinpb]

Rustico – Too weird. I know someone exactly like this in Clairemont, the same scenario. His name wouldn’t by chance be Chuck?

[jpinpb]

Rustico – Too weird. I know someone exactly like this in Clairemont, the same scenario. His name wouldn’t by chance be Chuck?

[jpinpb]

I guess it really depends on the circle you travel in. Sure there are young people w/money. And probably for the same number of people that have money, there are many that don’t. Just a few.

I know of a couple w/child who have been flipping places since 2000. Last year bought a place in North PB for 1.7 million. Don’t know them well enough to know loan conditions. I wonder if they are so optimistic and think they will flip for 2.5 or if this is where they will nest.

I know another couple who barely could afford to scrounge up enough for a condo by Mesa College. Both do ok financially. They did a 10 yr I/0.

I know a single mom Spanish interpreter that rents and not by choice. A teacher that rents, same. A police officer that rents, also not by choice. Yet his partner is married to someone w/$$$ and they own/rent from bank in 4Closure Ranch.

I know a fireman and nurse in my complex, both doing well, but not 6 figures. They rent and are looking to buy and refuse to overpay, although they can probably afford it.

A lot of other people I know that own had bought pre-2000 and are staying put.

We can speak in generalities, but to be fair, there are probably just as many people who are not in the income bracket that will allow them to buy. Those that I know that can are waiting, including myself.

[jpinpb]

I guess it really depends on the circle you travel in. Sure there are young people w/money. And probably for the same number of people that have money, there are many that don’t. Just a few.

I know of a couple w/child who have been flipping places since 2000. Last year bought a place in North PB for 1.7 million. Don’t know them well enough to know loan conditions. I wonder if they are so optimistic and think they will flip for 2.5 or if this is where they will nest.

I know another couple who barely could afford to scrounge up enough for a condo by Mesa College. Both do ok financially. They did a 10 yr I/0.

I know a single mom Spanish interpreter that rents and not by choice. A teacher that rents, same. A police officer that rents, also not by choice. Yet his partner is married to someone w/$$$ and they own/rent from bank in 4Closure Ranch.

I know a fireman and nurse in my complex, both doing well, but not 6 figures. They rent and are looking to buy and refuse to overpay, although they can probably afford it.

A lot of other people I know that own had bought pre-2000 and are staying put.

We can speak in generalities, but to be fair, there are probably just as many people who are not in the income bracket that will allow them to buy. Those that I know that can are waiting, including myself.

[jpinpb]

I guess it really depends on the circle you travel in. Sure there are young people w/money. And probably for the same number of people that have money, there are many that don’t. Just a few.

I know of a couple w/child who have been flipping places since 2000. Last year bought a place in North PB for 1.7 million. Don’t know them well enough to know loan conditions. I wonder if they are so optimistic and think they will flip for 2.5 or if this is where they will nest.

I know another couple who barely could afford to scrounge up enough for a condo by Mesa College. Both do ok financially. They did a 10 yr I/0.

I know a single mom Spanish interpreter that rents and not by choice. A teacher that rents, same. A police officer that rents, also not by choice. Yet his partner is married to someone w/$$$ and they own/rent from bank in 4Closure Ranch.

I know a fireman and nurse in my complex, both doing well, but not 6 figures. They rent and are looking to buy and refuse to overpay, although they can probably afford it.

A lot of other people I know that own had bought pre-2000 and are staying put.

We can speak in generalities, but to be fair, there are probably just as many people who are not in the income bracket that will allow them to buy. Those that I know that can are waiting, including myself.

[jpinpb]

I guess it really depends on the circle you travel in. Sure there are young people w/money. And probably for the same number of people that have money, there are many that don’t. Just a few.

I know of a couple w/child who have been flipping places since 2000. Last year bought a place in North PB for 1.7 million. Don’t know them well enough to know loan conditions. I wonder if they are so optimistic and think they will flip for 2.5 or if this is where they will nest.

I know another couple who barely could afford to scrounge up enough for a condo by Mesa College. Both do ok financially. They did a 10 yr I/0.

I know a single mom Spanish interpreter that rents and not by choice. A teacher that rents, same. A police officer that rents, also not by choice. Yet his partner is married to someone w/$$$ and they own/rent from bank in 4Closure Ranch.

I know a fireman and nurse in my complex, both doing well, but not 6 figures. They rent and are looking to buy and refuse to overpay, although they can probably afford it.

A lot of other people I know that own had bought pre-2000 and are staying put.

We can speak in generalities, but to be fair, there are probably just as many people who are not in the income bracket that will allow them to buy. Those that I know that can are waiting, including myself.

[jpinpb]

I guess it really depends on the circle you travel in. Sure there are young people w/money. And probably for the same number of people that have money, there are many that don’t. Just a few.

I know of a couple w/child who have been flipping places since 2000. Last year bought a place in North PB for 1.7 million. Don’t know them well enough to know loan conditions. I wonder if they are so optimistic and think they will flip for 2.5 or if this is where they will nest.

I know another couple who barely could afford to scrounge up enough for a condo by Mesa College. Both do ok financially. They did a 10 yr I/0.

I know a single mom Spanish interpreter that rents and not by choice. A teacher that rents, same. A police officer that rents, also not by choice. Yet his partner is married to someone w/$$$ and they own/rent from bank in 4Closure Ranch.

I know a fireman and nurse in my complex, both doing well, but not 6 figures. They rent and are looking to buy and refuse to overpay, although they can probably afford it.

A lot of other people I know that own had bought pre-2000 and are staying put.

We can speak in generalities, but to be fair, there are probably just as many people who are not in the income bracket that will allow them to buy. Those that I know that can are waiting, including myself.

[Author]

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