[ocrenter]

This article had me for a while. I’ve always been a cyclical event type of guy so this certainly peaked my interest. Certainly for the Piggs, we can all see the parallel between the Great Recession vs the Great Depression. And the 80 year cycle repeating itself secondary to the dying off of the prior generation, excellent point.

Then I see the picture of Romney along with Franklin and Lincoln and FDR… Now I’m on the floor! I can look past a lot of things on Romney. For example, the flip flop is a necessity simply because of current state of the GOP. You can’t win the nomination unless you go far right, I get that. So we’ll junk all of the inconsistencies on that account. So then you look at the plan. The plan is to lower taxes some more to stimulate the economy. More military spending, again, to stimulate. This while crying about how high the deficit and the national debt is getting.

Fully seeing the cyclical nature of things, and even agreeing we are in for further turbulence of the dark winter illustrated in the article, I still don’t quite see Romney having a plan that would “bring us out of the darkness and into the light.” The article’s attempt to paint Romney as a prophet leader is quite feeble as there were zero evidence brought forth to support how Romney has demonstrated he is the prophet leader.

So I’m left with the idea that all of the ideas Romney has thrown in during this entire campaign is just to get elected so he can turn around and become the prophet leader strong enough to make extremely unpopular decisions to save us from the cold dark winter.

Essentially, have faith in a man that is really best defined by his ability to shift and change his positions to match expectations and circumstances. Right!

[ocrenter]

[quote=dumbrenter][quote=paramount]I’ll vote for any candidate who puts their constituents needs before Israel’s.

I only know of one candidate that meets that criteria: Gary Johnson[/quote]

second that.
Bibi this Bibi that in one of the debates (VP ones I think) was sickening to watch.
Don’t their constituents have any self-respect anymore?
If these guys are so obsessed with Bibi and his “line” why don’t they go help him over there instead of wasting time in office here?[/quote]

there is just so much pandering to special interests from both sides of the aisle. And the Israel lobby is for better or for worse one of the more powerful forces around.

[ocrenter]

[quote=birmingplumb]Thanks OCRENTER for such a wise and detailed reply.
Only reason considering Laguna Woods is the used to be 40k 700 sf 1 bedrooms now 60k and the now 75k 2 br 1000 sf units. What has me stopped is the wife not too crazy about condo living.[/quote]

Careful with the really cheap units, sometimes the HOA goes to $700 or beyond on those. These are typically co-ops instead of just condos.

[ocrenter]

[quote=birmingplumb]Thanks OCRENTER for such a wise and detailed reply.
Only reason considering Laguna Woods is the used to be 40k 700 sf 1 bedrooms now 60k and the now 75k 2 br 1000 sf units. What has me stopped is the wife not too crazy about condo living. I want to putz around some plumbing jobs in that area and just got licensed in California. I would drive a van and want to have advertising on it. For this reason I look outside those gates. I will visit the area in January and will drive east on Laguna Canyon Rd and look. Just looking for a decent quality of life. I really love San Clement after staying at the Days Inn and walking to the ocean and pier daily. Maybe I will just rent a room for 2100 per month whenever I want a taste of a beautiful way of life. Lord knows it would never pay to plop down 500k to own a 2 br condo in pier bowl or small house west of El Camino Real. Any advice would be appreciated.[/quote]

Not too familiar with San Clemente except it is quite far from the center of OC and there’s always some serious bottle neck where the I-5 twists from the coast into Saddleback Valley. But it should be cheaper beach alternative compared to the rest of south OC, and certainly a viable alternative if you don’t need to venture north too frequently.

[ocrenter]

[quote=CA renter]True, rbjack.

There is no evidence that shows progressive tax rates are detrimental to an economy. Our most prosperous times have coincided with the steepest progression.[/quote]

I guess this is the source of that Clinton’s employment data under Dem vs GOP.

Hate to admit it, but it makes a lot of sense. If my income over $250k is taxed at 50% instead of 30%, I’m penalized for saving that money or using that money for personal use. Instead, I’m given essentially a 50% off coupon to buy anything and everything that can be office related so I can expense out those purchases to bring my tax base down to $250k. More money is pumped back into the economy this way. Which then trickles down through the economy.

Whereas if that over 250k tax rate is treated exactly the same as those less than $250k, I might just put off those office purchases and save and bank that cash instead. The money is removed from the economy.

I’m sure Romney fully understands this too. Although I doubt the GOP base really comprehends this.

[ocrenter]

I have not seen this at all.

Typically I see the city/school district simply generating new MR for the new constructions.

The only time MR gets reduced is if the city/district is considerate enough to refi to a lower rate.

[ocrenter]

[quote=paramount]I’ll vote for any candidate who puts their constituents needs before Israel’s.

I only know of one candidate that meets that criteria: Gary Johnson[/quote]

Where was it that I heard that to the Israelis listening to the foreign policy debate, it seemed like Obama and Romney were running for Prime Minister of Israel?

[ocrenter]

http://blogs.marketwatch.com/thetell/2012/11/02/jack-welch-hasnt-tweeted-about-fridays-jobs-report/

Have not heard from Jack Welch and his army of jobs-truthers yet…

[ocrenter]

http://www.voiceofsandiego.org/education/article_b423f56a-11a0-11e2-9446-001a4bcf887a.html

If you are within the PUSD territory, be sure to vote the board members responsible for this mess out of office.

Looks like the superintendent can’t even manage his own finances, bought at the peak and currently foreclosing. Is it any surprise PUSD will eventually declare bankruptcy because of this guy.

[ocrenter]

Love it!

Karma really do work!

[ocrenter]

This is a big issue with canyon view lots in all of SoCal, stonebridge or otherwise.

Have encountered one single one near the garage and it was an automatic kill order.

Otherwise since we are not canyon adjacent this has not been an issue.

I agree with everyone so far, snake fencing is a must for all canyon adjacent homes.

[ocrenter]

I have to agree Temecula should definitely be in the running. Especially areas west of the I-15, the number of estate homes on acres are plenty and the OP can have his pick. the schools would be excellent as well.

I do think Poway should still be on the list, perhaps less available that would allow for poultry farming, but there should still be some. proximity for SD and the coast plus the schools would be a better plus.

Do not think Valley Center is a good idea. it isn’t freeway close. you’ll be shopping in Escondido, and schools are not that good.

[ocrenter]

talk about exaggeration of the year.

nearby Aliso Viejo is perhaps $250-$300/sqft vs $200/sqft in Laguna Woods.

Let’s say $300/sqft in AV for a 1000 sqft condo, that’s $300k along with $250/month HOA. with 50k down and the rest at 3%, you’ll be looking at $1300/month for mortgage + HOA.

LW would be $200k for the same condo, 50k down, you’ll be looking at $630/month but $600/month HOA. So you’ll be looking at $1230/month for mortgage + HOA.

So you save $70 by going with LW.

But AV condos are all from the ’90 to 2000 whereas LW condos are from the 60’s.

LW condos have zero insulation. which means lots of AC time in the summer and lots of heater time in the winter.

people chose LW because of the clubs and the services like the shuttle that’s included in the HOA that takes you to the big box stores and the buffet outside of the gates. it is good for a certain set of folks.

[ocrenter]

[quote=SDEaves][quote=Rhett][quote=SDEaves]Our price range is not very much, up to 360k.[/quote]

You can buy a townhouse in Scripps Ranch for $360K? Unless you are talking about those older ones in the southwest parts of Scripps Ranch, I don’t think you could find even a 2BR townhouse for that price. Those older ones make me nervous – I’ve looked at a few and I’m always shocked that the termites have not eaten them to the ground. Way too much wood.[/quote]

Yes, you can.[/quote]

http://www.sdlookup.com/MLS-120043834-10350_Crosscreek_Terrace_San_Diego_CA_92131

Problem is the inventory is beyond thin at this point. Most are short sales in contingency.

I would vote for the shorter commute as well, but getting a townhouse for less than $360k in SR is no easy task.

[ocrenter]

[quote=AN]

So, although stereotypically speaking, higher API score is tied to socioeconomics. I’m sure there are many many exceptions to that stereotype. Another comparison that would challenge this stereo type is, why Point Loma HS and UCHS score below MMHS, yet, they’re both in much more expensive areas.[/quote]

certainly there’s going to be individual differences school to school. but I do think the Asian exception is a pretty set item.

as for Point Loma. in comparison to other areas with similar income level, homeownership rate is lower. which does allow more lower income families into the area, diluting the school API figure. Again, MM doesn’t fit because of the Asian exception.

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