[ocrenter]

[quote=scaredyclassic]I think I’m turning vegan. Fuck.

Food is no longer for fun.

Plus frankly I’ve always felt bad about the animals[/quote]

But food was never suppose to be fun and entertainment.

[ocrenter]

[quote=Jazzman]

Pizza, ice cream, and fries are not food. One day they will have the same stigma attached to them as smoking. A major problem is people don’t know how to prepare, cook, and eat healthily. It isn’t helped by the food industry that has no interest in our health, and most doctors are not trained sufficiently in nutrition. Transitioning to a healthy diet is quite easy, the obstacle being more silly preconceived notions than anything else. If your digestive tract is telling to satiate by eating more of the bad stuff (salts, sugars), you will not be able to taste finer, healthy foods. Cut them out, and eventually you will see what you have been missing out on: a whole new range of new tastes and possibilities …and it is good for you. Wholefoods is a good place to start. Some vegetarian restaurants will also open up the palate. Don’t by a salad in a restaurant as most have no clue what a salad is. Healthy eating is fine eating.[/quote]

+10000

Couldn’t have said it better myself.

Loved it when you said it straight out: “pizza, ice cream, and French fries are not food.” Can’t agree more!

[ocrenter]

Haha, thanks flu for the news flash. They really needed it. It is going to Mega busy though…. imagine everyone from RB, PQ, 4S, and CV all gathered up for gas. Oh boy…

[ocrenter]

Haha, true. It is worth about the $35 I got it for.

[ocrenter]

[quote=cato1974]Hello all,
Just an update on our plans. I have decided to accept a position offered to me in Escondido rather than Fallbrook which makes the prospect of commuting slightly more palatable :). We will be moving in August and are actively looking at properties in Del Sur ( Presidio/Marston) as well as the Van Daele homes in the Lakes. These are all new builds and will run me anywhere from 950-1.3 depending on which community we go with. Mello Roos are rather prohibitive but I am hoping to get the value returned through the school system. We will also be looking for resales in the Crosby, Del Sur and 4s although inventory is scarce. Just wanted to fill you in and thank you all for your invaluable advice. If you have any other suggestions I’m all ears/eyes!
Cheers[/quote]

Congrats on the Escondido position, it will be much better for your commute overall. I use to commute from 4S to Escondido and it was a very easy commute. Just remember to exit before Valley as the traffic from the 78 bottleneck ends up trapping you at Valley.

I would try to aim for the slightly older Santa Fe Valley gated community homes adjacent to 4S to escape the crazy MR in Del Sur. Ivy Gates would be a good option for you. You might also want to include north Poway as well as northern RB such as the Trails, lots of docs that work in Escondido end up living there.

Best of luck!

[ocrenter]

[quote=paramount]And let’s be honest, while the OP posed interesting questions, but doesn’t even have the job yet.

Keep in mind the job market in so cal is *VERY* competitive.[/quote]

I don’t think OP have to worry about that. There’s very little high paying jobs in fallbrook, we are likely looking at a healthcare related or management level position thay was ALREADY offered to him.

I would say a commute from Temecula to Fallbrook does make more sense. He should consider one of those estate type homes west of the I15.

[ocrenter]

Sorry, late to the party, lots of excellent suggestions. But would definitely mention Cielo as another option for you.

Location is on the other side of Del Dios Highway from Crosby, the west side of the development goes to RSF schools, but the east side of the development goes to Escondido, so you do have to do your due diligence.

The prices likely higher than you would like to spend, but just throwing it out there as a possible option.

Crosby is probably your best option given you’ll have the option of taking Del Dios to the I-15 as well as the option of going south through Camino Del Sur. Crosby will be going to PUSD schools.

Santaluz is REALLY nice, but again, you’re more south than you should be and you’ll be forced to take Camino Del Norte all the way to the I-15 as Del Dios is gated off. Same goes for Ivy Gates, just too far south.

The Lakes is adjacent to Crosby. Also PUSD schools, you’ll have to check to see if you can drive pass Crosby to get to Del Dios Highway.

If you want to be in the best neighborhoods, these are where you should be concentrating on and still with a reasonable commute. By having the ability to take the Del Dios Highway, you are shaving off 10 minutes off your commute each way.

I do like San Elijo Hills, but it is your classic upper middle master plan community, think 4S Ranch.

Carmel Valley is going to be WAY TOO FAR for Fallbrook.

Go with Crosby or Cielo!

Best of luck!

[ocrenter]

I saw the episode while on my treadmill last night, several observations:

#1. In a lot of cases the distressed homeowners’ attachment to their home ends up being their own undoing. Realistically the best thing for this family without any steady income and a mortgage bill of $4000 per month would have been to simply walk away early on. They were fighting an unwinnable fight for 4 years, the end result is the distruction of the marriage. What’s the point?

#2. This is proof that there was no conspiracy to keep the inventory down. Most of these distressed homeowners were kicking and screaming and using all tactics possible to get a stay on the foreclosure. The biggest victim was really these distressed homeowners’ mental sanity.

#3. There was no self-reflection and self-blame about their excessive spending on the part of the Sadowski’s. The spending really was quite excessive, especially since his annual income at the peak was just $160k. You take away taxes and you’re left with maybe $100k. And that was his best year! How many people with take home of $100k have a full sized RV, couple of Harleys, a Mercedes for the stay at home wife, multiple restored classics, as well as ATVs and a fully loaded pool with ‘REAL’ boulders???

#4. The Sadowski’s would have been fine if they did not refi and make the above purchases. Their original loan was only $260k. At 7% interest, monthly payment was at $1700. Dateline pointed out the husband was still able to pull in around $3000 per month doing odd jobs. Plus the wife was also working as well. They would not have been able to save, but certainly they were able to get by.

#5. There’s the health care debate again. Here we have a person who went without health insurance getting into an accident. Who ended up paying for his surgeries and hospital and recovery bills? We did. Another example of our world renowned health care system at work.

#6. Her chubbiness and the kids’ chubby ways. Did you see her using her EBT card to buy sugary drinks and processed food??? Of course still likely without insurance and we’ll have to pay for their health care costs down the road.

[ocrenter]

http://www.teslamotors.com/blog/model-s-owner-tennessee?source=email_rt_mc_body&app=n

[ocrenter]

[quote=Jazzman]Good find CAR, ditto OCR. Here’s my take on the email:

Socialized (whatever that is supposed to mean) healthcare is not without its problems. I too lived under one for many years. They are a constant political bone of contention.

Obamacare is possibly not working as well as it could, because it’s a half-baked compromise that came about as a result of the usual legislative political deal-making.

I was very happy to see costs have been mentioned as “one of the biggest problems.” They are, I believe, the main problem.

I can confirm the exchanges are poorly represented by insurers here in Hawaii. But there are very few insurers anyway. Healthcare cover, however, is already mandated for employers for every employee.

Very interesting cost statistic regarding the last year of one’s life. I have a health care directive. It says. “If you find me injured and bleeding, kick me perfunctorily (hard) in the head. If you call an ambulance, don’t forget to leave your address so I can forward you the bill.”[/quote]

excellent point about Obamacare being the half baked compromise that it is. That’s why the future is so bleak. Obama had full control of congress and he was only able to pass a 15 year old Republican idea, with zero Republican support.

btw, not counting surgeries, over 90% of the hospital inpatient service at any given time is devoted to the 80+ population. lot’s of them frequent bounce backs.

[ocrenter]

[quote=flu]Bump so the $400k/450k limits for the 20% cap gain tax rate IS incremental.

But it’s a pretty f..d up law.

Basically, it punishes wage earners that make that income in the majority in income, while it’s much for forgiving on people who are hitting those limits via capital gains…

For joint filers, if your AGI is $500k for example, it depends on where that income is coming from.

If $450k was from your W2/1099 and $50k was from capital gains, then what ends up happening is the entire $50k in capital gains gets taxed at 20%.

If, however, your W2/1099 income was $200k, and your capital gains was $300k, then $250k of your capital gains get’s taxed at 15% (up to the $450k threshold) and the remaining $50k of your capital gains gets taxed at 20%.

So who loses in this?

1) Doctors/lawyers who get most of their income as wages.

Who wins?

2) I’m guessing people who get their AGI mostly from investments…

Lol….

http://fffcpas.com/news/2013/02/04/how-do-i-compute-the-new-20-percent-net-capital-gain-rate-under-the-new-tax-law/%5B/quote%5D

agree the 5%ers are always getting screwed by the 1%ers. yet when it come time for their class warfare, we are suppose to have their back.

[ocrenter]

[quote=CA renter]This is an excellent piece about some of the problems with Obamacare.

——-

“I’m afraid almost all discussions on the left and right regarding the Affordable Care Act (ACA) miss some very basic things. So I hope this email will explain a few economic ideas and put them into perspective for you, whether you’re on the left or right and whether you like Obamacare or not.

Before I do that, though, let me say that I’m a raging capitalist and I’m in favor of universal healthcare coverage. I’m indifferent as to having either (1) a 100% government-guaranteed single-payer system or (2) a 100% private solution where the government guarantees that the poor are fully covered. Each has its pros and cons. For countries like Spain and the UK, a single-payer national system works. (I’ve lived in both countries almost all my life, and their healthcare systems work. The only time I’ve ever paid $250 for an aspirin was in a US hospital.) On the other hand, private solutions work very well for Singapore and Switzerland. So one model is purely public, and it works; and the other is purely private, and it works. There is a lot of demand for healthcare, so you have to ration medical care via price or quantity. That’s basic economics. It is for voters and politicians to decide what they prefer. I’m indifferent to the solution, as long as it is well thought out and implemented and in fact provides universal coverage. The problem is that the ACA takes the worst elements of public and private and fails to provide universal coverage for millions of people.”

http://www.mauldineconomics.com/editorial/outside-the-box-jonathan-tepper-on-obamacare%5B/quote%5D

Excellent link, thanks CAR!

This country’s political divide is so f’d up that unfortunately it will likely take another ten years and getting to the edge of the demographic time bomb before anyone is willing to do anything of substance.

Part of the problem is most Americans are so shielded from the outside world that they have zero international prospective on things. That’s how they are able to fall in line with the complete b.s. that single payer equals communism. Never mind that the two countries that are the most Pro-American and most anti-communist in the world, when they came of age economically, choose single payer and are now ahead of the US in life expectancy yet at just 30 percent of our cost.

[ocrenter]

[quote=Jazzman]
I have been to Taiwanese hospitals a couple of times. Once for a two day stay for a complete, top-to-toe body check. I don’t remember exactly how much it cost, but I do remember it was a fraction of the cost here. The second time I used a hospital dentist. Excellent service, very effective, and much cheaper. They issue you with an electronic card that has all the data about your visits, health, etc. Fantastic! How did they achieve this? They were not too proud to admit their system was creaky and so went around the world taking the best parts of other healthcare systems to create their own unique system. The result is probably one of the best healthcare systems in the world. A very rational approach.[/quote]

This is not to say the Taiwanese system is perfect. There’s still a lot of waste intrinsic to the system. For example, doctors and hospitals still over-treat terminal patients to maximize in-hospital stay for the sake of reimbursement. Inpatient stays are also dragged out for the same purpose. There’s also a tendency to over-prescribe due to lack of time with the patient.

But because the Taiwanese National Health Insurance has the power of monopoly, cost is controlled despite the problems above.

[img_assist|nid=17719|title=Taiwan health care cost as % of GDP|desc=|link=node|align=left|width=466|height=327]

here’s the US graph:

[img_assist|nid=17724|title=US health care cost as percentage of GDP|desc=|link=node|align=left|width=466|height=318]

[ocrenter]

[quote=joec]

Companies are also getting fleeced if you see how much COBRA is when you switch jobs. I think that’s what your company pays for you actually.

[/quote]

This is why it is to our competitive advantage to move the health care burden away from the companies and put it under a single payer monopoly that can regulate cost.

Btw, all of the East Asian developed countries (Japan, S.Korea, Taiwan) enacted universal single payer health coverage under Conservative, Right Wing, Pro-business parties.

[ocrenter]

[quote=Jazzman][quote=all][quote=EconProf]You need to look at the quality of doctors, not just the quantity. Would you rather be treated by an Uzbekistani doctor in a hospital in Uzbekistan, or an American doctor in America?[/quote]

I don’t think primary care physicians in Uzbekistan are lesser doctors than their US counterparts. They likely cannot order an MRI for you, though. But I was thinking about the cost and ease of access. Having more trained professionals would help with both.[/quote]

You may be right EconProf. Central Asian man with sexually transmitted diseases possibly due to incestuous relationship seeks health care in the US. http://www.youtube.com/watch?v=YCAubW1g7vQ%5B/quote%5D

LOL!

[Author]

Posts