[ocrenter]

[quote=yuhtey][quote=ocrenter]
another great thing about Skyranch is it is only 10 minutes away from La Jolla.[/quote]

that’s stated like a realtor!

santee sucks. i would never live there. last time i visited a friend back in 2008 there was a freak in boots with nazi crap on.[/quote]

Haha, sorry, it’s an inside joke. Whenever Skyranch is mentioned on piggington one of us old timers will chime in with that line.

Back to your question:

Most of the professionals in SD are concentrated all alone the entire 56 corridor. We moved to SD almost 10 years ago and have looked at homes in almost every single neighborhood mentioned. You’ll find a lot of SD’s top schools essentially from the coast to Poway/Scripps Ranch all along the 56 corridor. With the price point of $1 million, you are looking at income range that would essentially put you right within this entire area. Let’s break this area down from coast and inward:

Carmel Valley: considered the best school district but prices extremely high and yards typically very minimal. Huge amount of money from China/HK/Taiwan propping up the market. Slim pickings at $1 million.

Del Sur: well planned, good schools, very high MR, up to 0.9% on top of the typical 1% property tax. Small lots usually.

Santaluz/Crosby/Lakes: much bigger lots, high MR and high HOA ($1k plus per month). Schools are great. Prices are mostly well north of $1 million.

Santa Fe Valley: in between 4S and Del Sur, lower MR and lower HOA, older, built in early 2000. Larger lots as well. Might be able to find something here, but low inventory.

4S (North): built mostly during the bubble, higher MR, packed in neighborhoods, good schools.

4S (South): built before the bubble, lower MR, more green space. good schools.

Sabre Springs: older, mostly late 90’s. Smaller homes.

PQ: older than Sabre Springs, smaller homes, schools are good.

Torrey Highland: essentially the southern part of 92129. Newer stock of homes. Good schools, you’ll be able to find something here for a mil and meet a lot of your criteria.

Poway: some nice estate sized homes in the north and east parts. The core is a little rotted. Gets quite hot during summer. Schools not quite as good as those west of the 15.

Scripps Ranch: Miramar North, early 2000 built, average 3000 sqft, excellent schools, low inventory, low MR, low HOA.

Scripps Ranch south of Pomerado, bigger homes, average $1.5 million, excellent schools, low MR and HOA.

Old Scripps: 70’s, 2000 sqft would be considered bigger sized.

Stonebridge: large estate homes on large lots, mid level MR and HOA, more inventory, zip code is Scripps but Poway schools, schools further than typical “neighborhood” schools.

[ocrenter]

[quote=flu][quote=ocrenter][quote=Hobie]You might check Skyranch in Santee. good reviews. And maybe even look at Newport Coast. Lots of good stuff up there.[/quote]

another great thing about Skyranch is it is only 10 minutes away from La Jolla.[/quote]

You stole my line. That’s trademarked. Watch out for the lizards.[/quote]

Haha, I was waiting for you, you took too long!

[ocrenter]

[quote=Hobie]You might check Skyranch in Santee. good reviews. And maybe even look at Newport Coast. Lots of good stuff up there.[/quote]

another great thing about Skyranch is it is only 10 minutes away from La Jolla.

[ocrenter]

[quote=bobby]many lib arts majors are outright brilliant. However, easier to get a pass in lib art than in engineering or physics class.[/quote]

Agree!

[ocrenter]

[quote=FlyerInHi]Good point OC. But the goal of elite institutions is to make the world a better place. Yes we want to provide the smartest, in terms or grades and IQ, a way to reach the top. But smart is not everything.

Elite schools accept the children of foreign leaders alumni and influential people because we want to spread our American values around the world.

The smartest doctor may not have the empathy and inclination to have the greatest impact on world health. The smartest architect may not design the most beautiful buildings or develop new building techniques to provide shelter for the homeless…. and so on.[/quote]

Agree, this is not about getting the smartest kids into the most elite schools. This is simply about getting the right kids into the right environment. And for the underrepresented minorities, it is about increasing their chances of success by making sure they remain competitive in the most competitive fields in the school that fits them the best.

Personal experience, me and my best friend in high school were both hard working average guys with strong leanings toward STEM subjects. We both got decent grades but very average SAT scores. We were both from disadvantaged financial background. I got rejected from my UC of my choice, ended up squeezing in as a winter admit after an appeal. He got a full ride to an elite private school. I continued on with a STEM related job, he ended up with a liberal arts degree and became a teacher/minister. I’m of course Asian and him Hispanic. I’m not putting value judgements on my career vs his, but merely to say via a bump up to an elite caliber school, I firmly believe he was pigeonholed into a liberal arts degree, which statistically simply provides less opportunities. How many other stories like this are out there? That’s all.

[ocrenter]

[quote=scaredyclassic]https://storify.com/walterolson/getting-started?utm_campaign&utm_source=t.co&utm_content=storify-pingback&utm_medium=sfy.co-twitter&awesm=sfy.co_p1105

Highlights of student demands

Kind of scary.[/quote]

Funny but after the first couple of examples I was already thinking Cultural Revolution.

[ocrenter]

Would say this is definitely true. In fact, the mismatch effect is far deeper than the way the article explains it. Reason is not only is there intentional mismatch of black and Hispanic students, there is intentional mismatch of Asian students due to the Ivy League’s racially motivated quota system.

We all know based on elite UC % of Asian population that if the racial quota of the Ivy League is done away with, instead of the 15% bar for Asian students, the Ivys will likely see at least a 20% bump in its Asian population. This intentional mismatch means these students are pushed down to the next tier, making that lower elite school more competitive, yet making it that much harder for the black and Hispanic student to survive.

Let’s say John is an Ivy caliber Asian student and Joe is a Cal State caliber Hispanic. Under the current system of racial preference, both John and Joe will end up in the same UC school. Not only was Joe already ill equipped to handle UC level competition, but now he has to compete with Ivy level classmates too. I saw this first hand 20 years ago, and it has only gotten worse.

[ocrenter]

[quote=ltsdd][quote=ocrenter][quote=The-Shoveler]Meh,

Maybe closer to a 1989 feeling, we are no where near the situation of 2006.

You need crazy loan officers OKing every loan to anyone with a pulse, then you got to let that run a few years to get to 2006.[/quote]

what if the crazy loan officers are in China?[/quote]

…something like this?

Chinese investors lost $1.2 billion in the country’s wild west online lending industry

http://finance.yahoo.com/news/chinese-investors-lost-1-2-093727318.html%5B/quote%5D

how timely. Of course, the casino also known as the Shanghai Composite is made up by huge number of investors using borrowed money to play the market.

it is a house of cards pagoda style.

while we may not be looking at generalized housing bubble, if you target the bay area, Irvine and San Gabriel Valley, and Carmel Valley and the 56 corridor, I think we’ll see evidence of a Chinese driven bubble.

[ocrenter]

[quote=The-Shoveler]Meh,

Maybe closer to a 1989 feeling, we are no where near the situation of 2006.

You need crazy loan officers OKing every loan to anyone with a pulse, then you got to let that run a few years to get to 2006.[/quote]

what if the crazy loan officers are in China?

[ocrenter]

[quote=no_such_reality]If your agent is quoting you $1.5m in coverage, your dwelling must be large and of high quality. I was under the impression only the dwelling is covered (optional personal property), from a cost to replace standpoint not including the land.

If he’s quoting you Market value purchase price versus rebuild dwelling price he’s doing you a disservice. Unless your planning for a 2500sf house and gouge rates of $600/ft to build.[/quote]

It is about the right replacement cost. The annual cost is not bad either, at around $550.

[ocrenter]

[quote=doofrat]From what I understand, it has limited available funds. So if you’re in a low risk earthquake area (in San Diego and not on a fault like Rose Canyon) you’ll just be paying premiums on something you’re very unlikely to get anything from if a big enough quake hits to affect the low risk areas.
If you live in a high risk area, it’s probably worth getting.[/quote]

This is one reason why we have not looked into earthquake insurance until now. Here’s something regarding risk, would be nice if the map can zoom out a bit more.

http://www.conservation.ca.gov/cgs/rghm/loss/Pages/2010_analysis.aspx

[ocrenter]

[quote=Hatfield][quote=ocrenter]So worse case scenario, the big one hits and the house comes crashing down. I would have to find $218k somehow before the earthquake insurance kicks in?[/quote]

As opposed to having to come up with $1,455,000 if you don’t have insurance?

The way I look at it: if the big one comes and the house comes crashing down, there will probably be state and federal loan assistance and other ways to scratch together the deductible. In our case, we have plenty of equity in the property so I think we’d be able to come up with the deducible one way or another. Beats walking away from the home and the equity.[/quote]

That is one viewpoint I was looking at. Just quite a bit of a shock to see a > $200k deductible. Just have never seen it before, that’s all.

[ocrenter]

[quote=flu][quote=Blogstar][quote=flu]Quick question… Is there anything wrong with lifting weights everyday? Some say one should go every other day to let your body recover. Others say it’s not a big deal. I figure 1/2 hr in the morning before work and then about 45 mins at night isn’t that much, especially since I’m not really lifting the maximum weights that I can right now…
[/quote]

That’s actually quite a bit of time for weight lifting.[/quote]

That might explain why I am sore all over. Oops.[/quote]

every other day…

[ocrenter]

[quote=flu]

Thanks for the info….

Yeah, my diet for the past few years has been pretty strict. So I guess I’m use to it I’ll just continue it.

1. No alcohol (throws off my liver panel, which was already high during chemo). (Ok, I might need a glass of wine occasionally moving forward, but I’m not a heavy drinker to begin with)

2. No soda (for the past few years), no juice, no milk, no soy milk. Sparingly on tea. Sparingly on coffee, typically black with no sugar or cream..maybe just almond milk.

3. No fried foods (charlie’s chicken was soooo tempting). No burgers, no hot dogs, and no red meat.
Pizza, cheese, or anything greasy is out. Chicken or fish.

4. I avoid dairy products if I can.

5. No rice, whole wheat bread only with a sandwich. I switched to eating quinoa most of the time instead of rice, and I don’t eat either rice or quinoa regularly (asians eat a lot of rice, which I think is bad).
http://www.huffingtonpost.ca/2013/07/12/brown-rice-vs-quinoa_n_3587555.html

6. Basically anything that has soy, soybean oil, or soy by product, I avoid…And this pretty much eliminates most processed foods, since most processed food uses soybean oil or some variation of it. (You know how hard it is to find food without soy and soybean oil in it)?

I’ve cut about 8 lbs so far just by starting to exercise regularly again over the past 2 months, now being active doesn’t feel such a drag. And I’m finding when I do exercise more, I tend to eat less, and feel less draggy during the day, which eliminates the need for coffee :),. I think if I can cut another 8 lbs, and tone up a bit, and maintain it, that would be ideal.

Elliptical glider seems kinda cool, maybe I’ll get one.[/quote]

slow and steady wins the race, 8 lbs in 2 months is actually a lot! have patience. my 40 lbs was over 4 years.

agree about the rice, we switched to the easy cook brown rice years ago, immediately saw a drop in consumption (more fiber = less craving). about a year ago we started adding quinoa to the rice.

you are absolutely right, that modest daily exercise really do bring down the appetite and cravings. I went through the same thing.

I did not lose my midsection around the waist until the last 10 lbs, AFTER I move below BMI of 22. we gain right down the center first, therefore that’ll be the last part to go away.

[ocrenter]

[quote=no_such_reality]Relocate to a walkable neighborhood . Walk to the grocery store. Walk to the pharmacy. Walk to the gym for lifts or the pool. Walk to work if you can..

10000-15000 steps a day.

The elliptical is nice for catching up on Netflix while you think you’re working out.[/quote]

true, we have created a bunch of these obesogenic cities in the last 50 years.

http://www.upworthy.com/i-never-realized-how-dumb-our-cities-are-until-i-saw-what-a-smart-one-looks-like

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