[ocrenter]

[quote=deadzone]Well if you are realistic lower income people are not generally attending universities anyway especially not top tier schools like UC, unless they are provided assistance which is usually tax payer supported in one way or another.[/quote]

right now as part of the immigration pipeline is the the money and employment factor. Immigrants can apply for legal status claiming they have essential skills needed by American companies or if they have enough money to invest in the country and create jobs.

Essentially what the country is saying is we value your skills and we value your money.

What is wrong with saying we value your academic achievements? which we know eventually lead to skills and money. (and like I mentioned earlier, raise the bar, as I’m sure we all know the quality of the student body at most community colleges).

[ocrenter]

[quote=deadzone]Well if you are realistic lower income people are not generally attending universities anyway especially not top tier schools like UC, unless they are provided assistance which is usually tax payer supported in one way or another.[/quote]

right now as part of the immigration pipeline is the the money and employment factor. Immigrants can apply for legal status claiming they have essential skills needed by American companies or if they have enough money to invest in the country and create jobs.

Essentially what the country is saying is we value your skills and we value your money.

What is wrong with saying we value your academic achievements? which we know eventually lead to skills and money. (and like I mentioned earlier, raise the bar, as I’m sure we all know the quality of the student body at most community colleges).

[ocrenter]

obviously the point here is to reward illegals that have made good. there’s nothing wrong with that.

but seriously, the bar is a little too low with 2 year degrees qualifying. what, a degree from UofPhoenix would qualify too?

make it strict, get into a good top 100 4 year university and we’ll give you citizenship. I would even throw in the tuition!

If someone is of caliber to get into a top 100 4 year school, screw how they ended up here, we need to keep them around. Hey, if this motivates other illegals to try to sneak into this country, even better!

[ocrenter]

obviously the point here is to reward illegals that have made good. there’s nothing wrong with that.

but seriously, the bar is a little too low with 2 year degrees qualifying. what, a degree from UofPhoenix would qualify too?

make it strict, get into a good top 100 4 year university and we’ll give you citizenship. I would even throw in the tuition!

If someone is of caliber to get into a top 100 4 year school, screw how they ended up here, we need to keep them around. Hey, if this motivates other illegals to try to sneak into this country, even better!

[ocrenter]

obviously the point here is to reward illegals that have made good. there’s nothing wrong with that.

but seriously, the bar is a little too low with 2 year degrees qualifying. what, a degree from UofPhoenix would qualify too?

make it strict, get into a good top 100 4 year university and we’ll give you citizenship. I would even throw in the tuition!

If someone is of caliber to get into a top 100 4 year school, screw how they ended up here, we need to keep them around. Hey, if this motivates other illegals to try to sneak into this country, even better!

[ocrenter]

obviously the point here is to reward illegals that have made good. there’s nothing wrong with that.

but seriously, the bar is a little too low with 2 year degrees qualifying. what, a degree from UofPhoenix would qualify too?

make it strict, get into a good top 100 4 year university and we’ll give you citizenship. I would even throw in the tuition!

If someone is of caliber to get into a top 100 4 year school, screw how they ended up here, we need to keep them around. Hey, if this motivates other illegals to try to sneak into this country, even better!

[ocrenter]

obviously the point here is to reward illegals that have made good. there’s nothing wrong with that.

but seriously, the bar is a little too low with 2 year degrees qualifying. what, a degree from UofPhoenix would qualify too?

make it strict, get into a good top 100 4 year university and we’ll give you citizenship. I would even throw in the tuition!

If someone is of caliber to get into a top 100 4 year school, screw how they ended up here, we need to keep them around. Hey, if this motivates other illegals to try to sneak into this country, even better!

[ocrenter]

401k interest rate does pay back to your account. So it is a very credible way to access much needed money.

Even if PMI is deductible, remember you will only get a portion back (say 30% if that is your tax rate).

of course, the portion of the 401k you remove from the account will not be in the market generating passive income.

however, if we are merely looking at a one time loan that will be paid back rather quickly within 1-2 years, I don’t think that would be of significant issue for you. the stock market is unlikely to go anywhere dramatic over the next couple of years.

[ocrenter]

401k interest rate does pay back to your account. So it is a very credible way to access much needed money.

Even if PMI is deductible, remember you will only get a portion back (say 30% if that is your tax rate).

of course, the portion of the 401k you remove from the account will not be in the market generating passive income.

however, if we are merely looking at a one time loan that will be paid back rather quickly within 1-2 years, I don’t think that would be of significant issue for you. the stock market is unlikely to go anywhere dramatic over the next couple of years.

[ocrenter]

401k interest rate does pay back to your account. So it is a very credible way to access much needed money.

Even if PMI is deductible, remember you will only get a portion back (say 30% if that is your tax rate).

of course, the portion of the 401k you remove from the account will not be in the market generating passive income.

however, if we are merely looking at a one time loan that will be paid back rather quickly within 1-2 years, I don’t think that would be of significant issue for you. the stock market is unlikely to go anywhere dramatic over the next couple of years.

[ocrenter]

401k interest rate does pay back to your account. So it is a very credible way to access much needed money.

Even if PMI is deductible, remember you will only get a portion back (say 30% if that is your tax rate).

of course, the portion of the 401k you remove from the account will not be in the market generating passive income.

however, if we are merely looking at a one time loan that will be paid back rather quickly within 1-2 years, I don’t think that would be of significant issue for you. the stock market is unlikely to go anywhere dramatic over the next couple of years.

[ocrenter]

401k interest rate does pay back to your account. So it is a very credible way to access much needed money.

Even if PMI is deductible, remember you will only get a portion back (say 30% if that is your tax rate).

of course, the portion of the 401k you remove from the account will not be in the market generating passive income.

however, if we are merely looking at a one time loan that will be paid back rather quickly within 1-2 years, I don’t think that would be of significant issue for you. the stock market is unlikely to go anywhere dramatic over the next couple of years.

[ocrenter]

[quote=SD Realtor]Pretty much agree with you ocr. I don’t see home prices rising due to the rate hikes that will come. Rather I see them depreciating, it is just how severe that I am unsure of. Inflation without job growth to me will be the worst of both worlds. So necessary commodities like food, resources and other tangible goods will go up in cost. Similarly other investment vehicles like bonds and such will be giving healthy returns as the money supply tightens. Also, as with any situation there will be alot of people with money and they will take advantage of the cheaper rela estate without having to incur large financing issues. To me depreciation will occur but I am not sure how much. It will be a great time to buy real estate but not if you have to finance much of it. [/quote]

agree we are unlikely to see significant housing appreciation. as for depreciation, I think we would have to break that down to segments of the market. for example the over $1 million market. Overall I think for the most part depreciation of the middle of the road inventory is pretty much done.

overall rising prices certainly is a concern, but I do believe WE THE PEOPLE prefer overall rise in daily prices than any policy that would lead to significant drop in housing price. And the government will bend to the will of the people.

[ocrenter]

[quote=SD Realtor]Pretty much agree with you ocr. I don’t see home prices rising due to the rate hikes that will come. Rather I see them depreciating, it is just how severe that I am unsure of. Inflation without job growth to me will be the worst of both worlds. So necessary commodities like food, resources and other tangible goods will go up in cost. Similarly other investment vehicles like bonds and such will be giving healthy returns as the money supply tightens. Also, as with any situation there will be alot of people with money and they will take advantage of the cheaper rela estate without having to incur large financing issues. To me depreciation will occur but I am not sure how much. It will be a great time to buy real estate but not if you have to finance much of it. [/quote]

agree we are unlikely to see significant housing appreciation. as for depreciation, I think we would have to break that down to segments of the market. for example the over $1 million market. Overall I think for the most part depreciation of the middle of the road inventory is pretty much done.

overall rising prices certainly is a concern, but I do believe WE THE PEOPLE prefer overall rise in daily prices than any policy that would lead to significant drop in housing price. And the government will bend to the will of the people.

[ocrenter]

[quote=SD Realtor]Pretty much agree with you ocr. I don’t see home prices rising due to the rate hikes that will come. Rather I see them depreciating, it is just how severe that I am unsure of. Inflation without job growth to me will be the worst of both worlds. So necessary commodities like food, resources and other tangible goods will go up in cost. Similarly other investment vehicles like bonds and such will be giving healthy returns as the money supply tightens. Also, as with any situation there will be alot of people with money and they will take advantage of the cheaper rela estate without having to incur large financing issues. To me depreciation will occur but I am not sure how much. It will be a great time to buy real estate but not if you have to finance much of it. [/quote]

agree we are unlikely to see significant housing appreciation. as for depreciation, I think we would have to break that down to segments of the market. for example the over $1 million market. Overall I think for the most part depreciation of the middle of the road inventory is pretty much done.

overall rising prices certainly is a concern, but I do believe WE THE PEOPLE prefer overall rise in daily prices than any policy that would lead to significant drop in housing price. And the government will bend to the will of the people.

[Author]

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