[Navydoc]

So where does that leave folks who “speculated” that their home would go up in value, so they could take that teaser rate and option arm to afford a place they wouldn’t qualify for? In Claifornia I think there are a lot of these people, and they ARE actually living in the home. How do they get bailed out? I just don’t think there is enough money at the governments disposal to solve this problem.

Pehaps I’m overestimating the number of people out there like this, but I pesonally know a large number of them, so I kind of doubt it.

[Navydoc]

So where does that leave folks who “speculated” that their home would go up in value, so they could take that teaser rate and option arm to afford a place they wouldn’t qualify for? In Claifornia I think there are a lot of these people, and they ARE actually living in the home. How do they get bailed out? I just don’t think there is enough money at the governments disposal to solve this problem.

Pehaps I’m overestimating the number of people out there like this, but I pesonally know a large number of them, so I kind of doubt it.

[Navydoc]

So where does that leave folks who “speculated” that their home would go up in value, so they could take that teaser rate and option arm to afford a place they wouldn’t qualify for? In Claifornia I think there are a lot of these people, and they ARE actually living in the home. How do they get bailed out? I just don’t think there is enough money at the governments disposal to solve this problem.

Pehaps I’m overestimating the number of people out there like this, but I pesonally know a large number of them, so I kind of doubt it.

[Navydoc]

So where does that leave folks who “speculated” that their home would go up in value, so they could take that teaser rate and option arm to afford a place they wouldn’t qualify for? In Claifornia I think there are a lot of these people, and they ARE actually living in the home. How do they get bailed out? I just don’t think there is enough money at the governments disposal to solve this problem.

Pehaps I’m overestimating the number of people out there like this, but I pesonally know a large number of them, so I kind of doubt it.

[Navydoc]

“The fact is there are a lot of people who bought homes near the top of the last cycle who weren’t just out to make a quick buck, who didn’t refinance multiple times to go on nice vacations and drive a fancy car — they just wanted to own a home”

You’re right, they weren’t out to make a quick buck–they were, however, buying houses THEY COULDN’T REALLY AFFORD if fundamentals are observed. Our “crowing” or grunting, or whatever sound vultures make, relates to the fact that we who are financially responsible MAY actually be able to afford homes we have SAVED for. Good GOD! Saving? What is this “saving” of which thou speaks?

Unfortunately, and this is really unfortunate, a great deal of people need to suffer in order for prices to come back to earth. This includes the idyllic people you speak of who just thought they were being priced out, as well as the irresponsible scumbags who WERE out to make a quick buck. Some nice but ignornant people will be harmed by this correction, but that doesn’t make the correction any less necessary.

As far as how low we can go, nobody really knows. We all have our guesses, but I can tell you that if I can find a home I really like in the $600-850K range that I plan to stay in for the rest of my life, I would buy no matter what the market is doing. Unfortunately what I really like is $950-1500K right now. Are these reductions possible? I don’t know, but I plan to circle above until I see them. If I don’t, we’re perfectly happy to continue renting. The view while circling above is really nice.

And for those folks who think we shouldn’t feed the trolls, posts like these are really important. When I was lurking on this board it was the reactions to trolls that taught me the most about this market, and I have to admit, I still get a huge kick out of responding to a troll.

[Navydoc]

“The fact is there are a lot of people who bought homes near the top of the last cycle who weren’t just out to make a quick buck, who didn’t refinance multiple times to go on nice vacations and drive a fancy car — they just wanted to own a home”

You’re right, they weren’t out to make a quick buck–they were, however, buying houses THEY COULDN’T REALLY AFFORD if fundamentals are observed. Our “crowing” or grunting, or whatever sound vultures make, relates to the fact that we who are financially responsible MAY actually be able to afford homes we have SAVED for. Good GOD! Saving? What is this “saving” of which thou speaks?

Unfortunately, and this is really unfortunate, a great deal of people need to suffer in order for prices to come back to earth. This includes the idyllic people you speak of who just thought they were being priced out, as well as the irresponsible scumbags who WERE out to make a quick buck. Some nice but ignornant people will be harmed by this correction, but that doesn’t make the correction any less necessary.

As far as how low we can go, nobody really knows. We all have our guesses, but I can tell you that if I can find a home I really like in the $600-850K range that I plan to stay in for the rest of my life, I would buy no matter what the market is doing. Unfortunately what I really like is $950-1500K right now. Are these reductions possible? I don’t know, but I plan to circle above until I see them. If I don’t, we’re perfectly happy to continue renting. The view while circling above is really nice.

And for those folks who think we shouldn’t feed the trolls, posts like these are really important. When I was lurking on this board it was the reactions to trolls that taught me the most about this market, and I have to admit, I still get a huge kick out of responding to a troll.

[Navydoc]

“The fact is there are a lot of people who bought homes near the top of the last cycle who weren’t just out to make a quick buck, who didn’t refinance multiple times to go on nice vacations and drive a fancy car — they just wanted to own a home”

You’re right, they weren’t out to make a quick buck–they were, however, buying houses THEY COULDN’T REALLY AFFORD if fundamentals are observed. Our “crowing” or grunting, or whatever sound vultures make, relates to the fact that we who are financially responsible MAY actually be able to afford homes we have SAVED for. Good GOD! Saving? What is this “saving” of which thou speaks?

Unfortunately, and this is really unfortunate, a great deal of people need to suffer in order for prices to come back to earth. This includes the idyllic people you speak of who just thought they were being priced out, as well as the irresponsible scumbags who WERE out to make a quick buck. Some nice but ignornant people will be harmed by this correction, but that doesn’t make the correction any less necessary.

As far as how low we can go, nobody really knows. We all have our guesses, but I can tell you that if I can find a home I really like in the $600-850K range that I plan to stay in for the rest of my life, I would buy no matter what the market is doing. Unfortunately what I really like is $950-1500K right now. Are these reductions possible? I don’t know, but I plan to circle above until I see them. If I don’t, we’re perfectly happy to continue renting. The view while circling above is really nice.

And for those folks who think we shouldn’t feed the trolls, posts like these are really important. When I was lurking on this board it was the reactions to trolls that taught me the most about this market, and I have to admit, I still get a huge kick out of responding to a troll.

[Navydoc]

“The fact is there are a lot of people who bought homes near the top of the last cycle who weren’t just out to make a quick buck, who didn’t refinance multiple times to go on nice vacations and drive a fancy car — they just wanted to own a home”

You’re right, they weren’t out to make a quick buck–they were, however, buying houses THEY COULDN’T REALLY AFFORD if fundamentals are observed. Our “crowing” or grunting, or whatever sound vultures make, relates to the fact that we who are financially responsible MAY actually be able to afford homes we have SAVED for. Good GOD! Saving? What is this “saving” of which thou speaks?

Unfortunately, and this is really unfortunate, a great deal of people need to suffer in order for prices to come back to earth. This includes the idyllic people you speak of who just thought they were being priced out, as well as the irresponsible scumbags who WERE out to make a quick buck. Some nice but ignornant people will be harmed by this correction, but that doesn’t make the correction any less necessary.

As far as how low we can go, nobody really knows. We all have our guesses, but I can tell you that if I can find a home I really like in the $600-850K range that I plan to stay in for the rest of my life, I would buy no matter what the market is doing. Unfortunately what I really like is $950-1500K right now. Are these reductions possible? I don’t know, but I plan to circle above until I see them. If I don’t, we’re perfectly happy to continue renting. The view while circling above is really nice.

And for those folks who think we shouldn’t feed the trolls, posts like these are really important. When I was lurking on this board it was the reactions to trolls that taught me the most about this market, and I have to admit, I still get a huge kick out of responding to a troll.

[Navydoc]

“The fact is there are a lot of people who bought homes near the top of the last cycle who weren’t just out to make a quick buck, who didn’t refinance multiple times to go on nice vacations and drive a fancy car — they just wanted to own a home”

You’re right, they weren’t out to make a quick buck–they were, however, buying houses THEY COULDN’T REALLY AFFORD if fundamentals are observed. Our “crowing” or grunting, or whatever sound vultures make, relates to the fact that we who are financially responsible MAY actually be able to afford homes we have SAVED for. Good GOD! Saving? What is this “saving” of which thou speaks?

Unfortunately, and this is really unfortunate, a great deal of people need to suffer in order for prices to come back to earth. This includes the idyllic people you speak of who just thought they were being priced out, as well as the irresponsible scumbags who WERE out to make a quick buck. Some nice but ignornant people will be harmed by this correction, but that doesn’t make the correction any less necessary.

As far as how low we can go, nobody really knows. We all have our guesses, but I can tell you that if I can find a home I really like in the $600-850K range that I plan to stay in for the rest of my life, I would buy no matter what the market is doing. Unfortunately what I really like is $950-1500K right now. Are these reductions possible? I don’t know, but I plan to circle above until I see them. If I don’t, we’re perfectly happy to continue renting. The view while circling above is really nice.

And for those folks who think we shouldn’t feed the trolls, posts like these are really important. When I was lurking on this board it was the reactions to trolls that taught me the most about this market, and I have to admit, I still get a huge kick out of responding to a troll.

[Navydoc]

You mean to tell me that wanting to buy a house that I can actually afford with money I actually have makes me greedy? Are you kidding me? That is quite possibly the single most idiotic thing I’ve read on this board.

Do you think possibly that the way real estate was skyrocketing out of control beyond all fundamental reason because of stupid, ignorant, ill-informed lemmings was making us sick? As was stated before, we on this board saw this coming a LONG time ago, and folks like you thought we wore tin foil hats. So don’t be too surprised at my smugness now that I’ve proven to be right after all. If you need something for nausea I can give you a prescription for phenergan. From the looks of things you’re gonna need about 5 years worth.

I hope you read this, something tells me you’re just a troll stirring the pot.

Gotta go, I think I see a rabbit dying down there…….

[Navydoc]

You mean to tell me that wanting to buy a house that I can actually afford with money I actually have makes me greedy? Are you kidding me? That is quite possibly the single most idiotic thing I’ve read on this board.

Do you think possibly that the way real estate was skyrocketing out of control beyond all fundamental reason because of stupid, ignorant, ill-informed lemmings was making us sick? As was stated before, we on this board saw this coming a LONG time ago, and folks like you thought we wore tin foil hats. So don’t be too surprised at my smugness now that I’ve proven to be right after all. If you need something for nausea I can give you a prescription for phenergan. From the looks of things you’re gonna need about 5 years worth.

I hope you read this, something tells me you’re just a troll stirring the pot.

Gotta go, I think I see a rabbit dying down there…….

[Navydoc]

You mean to tell me that wanting to buy a house that I can actually afford with money I actually have makes me greedy? Are you kidding me? That is quite possibly the single most idiotic thing I’ve read on this board.

Do you think possibly that the way real estate was skyrocketing out of control beyond all fundamental reason because of stupid, ignorant, ill-informed lemmings was making us sick? As was stated before, we on this board saw this coming a LONG time ago, and folks like you thought we wore tin foil hats. So don’t be too surprised at my smugness now that I’ve proven to be right after all. If you need something for nausea I can give you a prescription for phenergan. From the looks of things you’re gonna need about 5 years worth.

I hope you read this, something tells me you’re just a troll stirring the pot.

Gotta go, I think I see a rabbit dying down there…….

[Navydoc]

You mean to tell me that wanting to buy a house that I can actually afford with money I actually have makes me greedy? Are you kidding me? That is quite possibly the single most idiotic thing I’ve read on this board.

Do you think possibly that the way real estate was skyrocketing out of control beyond all fundamental reason because of stupid, ignorant, ill-informed lemmings was making us sick? As was stated before, we on this board saw this coming a LONG time ago, and folks like you thought we wore tin foil hats. So don’t be too surprised at my smugness now that I’ve proven to be right after all. If you need something for nausea I can give you a prescription for phenergan. From the looks of things you’re gonna need about 5 years worth.

I hope you read this, something tells me you’re just a troll stirring the pot.

Gotta go, I think I see a rabbit dying down there…….

[Navydoc]

You mean to tell me that wanting to buy a house that I can actually afford with money I actually have makes me greedy? Are you kidding me? That is quite possibly the single most idiotic thing I’ve read on this board.

Do you think possibly that the way real estate was skyrocketing out of control beyond all fundamental reason because of stupid, ignorant, ill-informed lemmings was making us sick? As was stated before, we on this board saw this coming a LONG time ago, and folks like you thought we wore tin foil hats. So don’t be too surprised at my smugness now that I’ve proven to be right after all. If you need something for nausea I can give you a prescription for phenergan. From the looks of things you’re gonna need about 5 years worth.

I hope you read this, something tells me you’re just a troll stirring the pot.

Gotta go, I think I see a rabbit dying down there…….

[Navydoc]

Cardiff- I’m a HUGE fan of interval training (coaches call them “wind sprints” I think), but you have to be in pretty good shape to do them. Once you are in shape though you really need to do them to advance your training regimen. I am also a big fan of circuit training, and it is how I do the majority of my strength training. This is where you lift your weights quickly, and take a short, approx 60 sec break between sets. I find I can get through the workuot in less than half the time, and it gets my heart rate to an aerobic level.

As far as jogging, you’re right, is hard on the joints, but it really challenges your body much more than walking, unless we/re talking a 50% grade or something. I am also a cycling enthusiast, just remember it takes quite a bit of concentration to cycle at a level that approaches running. I also like swimming quite a lot, but is logistically more difficult for some people. Both swimming and cycling are significantly easier on the joints.

As far as the low carbs, you will definitely achieve better satiety eating fats and proteins, which is why diets like Atkins work, as people don’t feel the need to eat as much. Again, if you actually count up what you’re eating on one of those diets you find it’s about 1700-1800 kcal/day, which is low enough for most active people to lose weight. The better satiety helps people stay on that low calorie count. The way I do it is with the fast, so I achieve the same ends without stressing my kidneys. You may also remember the first week or so on those diets where you kind of feel like crap until you adapt to the ketogenic nature of the diet.

Basically when it comes to weight loss if you can find a system that works for you that is not unhealthy, by all means do it. ALL of them require some sort of sacrifice on the patient’s part, which is why it’s so difficult to do. There are many ways to skin this cat (as in most things in medicine). I shared what works for me, and is medically sound, so I thought others might benefit from it as well.

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