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[quote=paranoid]The case I am looking at: current mello Roos at about $5700 per year. It will last for about 30 years. The payoff now is about $58000. The implied rate is close to 9%. While the current 30 year mortgage is below 4%.[/quote]

hmmm, so over 30 years you’ll be looking at $171k.

meanwhile, you could do a line of credit say at 4%. let’s say you pull a 15 year mortgage at 4% to pay for the MR amount, your payment would be lower, it would be deductible, and it’ll be paid off at half the time or less. let’s say plans change and you end up moving in 15 years, there’s really no loss for you either.

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Need more info, what is the payoff? Should be able to obtain the info at the county clerks office.

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[quote=flu][quote=ocrenter]Are you serious? Someone is actually retarded enough to use a stolen phone to call all of his buddies and family? Should get a Darwin award for this.[/quote]

yes, I’m serious. But what’s going to be more retarded is IF the police still can’t get him… Which I think is a distinct possibility (although I hope I’m wrong). But after talking to the police, there are a lot of if’s and but’s that led me to worry.

This really should be an easy case, because we got pictures/videos, we got phone numbers 5-6 of whom he called, we even know the nicknames of the people he called because we dialed the numbers with *67 and got pretty much all his friend’s voicemails..But you just watch. This guy probably will slip away….

Moral of the story…We live in a pro+criminal state where it pays to be a criminal. Good honest people/entities rarely make it out of the court system winning…

Thank you “liberal” california… Oh yeah, and trying to get hold of customer service on the cell provider to get the last call histories was fun too. Since the the people at the overseas call centers were as useful as a trying to talk to pre-recorded message. One thing is sure. When I’m done, I’m dropping t-mobile for good. Just because the overseas call centers suck… Never have an issue with verizon…

Really folks, if you ever get stuff stolen from you. Even if you have a lot of proof, the only way the perp is going to get caught and arrested is if you take the matters into your own hands and try to find the guy yourself.

The police are probably too busy with higher profile issues probably and the way our rules/regulations are, you can’t easily access the data you need through traditional means… We’ve already escalated this issue, because of what was on the phones and laptops, so it’s not just a petty theft at this point….Still, my gut feeling is it’s going to take forever (if at all) before we see any progress. I hope I’m wrong.[/quote]

You might be right. Unfortunately, the police will prioritize. They may simply feel this case did not have the monetary worth to spend manpower on. You have enough proof to catch the guy, agree about the PI. Maybe find out from the police if you do all of the leg work, would they at least have the decency to go arrest the guy.

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Nicely upgraded new kitchen and the wood floor is nice.

Not only should you get a noise discount but you should get a blue carpet discount as well. 🙂

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[quote=walterwhite]Holy cow. Average iq varies widely globally. I thought every nation was scaled so 100 is average. Many nations are in the 70s, Asian countries mostly over 100.[/quote]

http://sq.4mg.com/NationIQ.htm

The US is 98, not that bad, at least within the top 20.

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Are you serious? Someone is actually retarded enough to use a stolen phone to call all of his buddies and family? Should get a Darwin award for this.

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[quote=Navydoc][quote=ocrenter]Navydoc, you should build a pool just like the model home. You can man the BBQ in the middle, with all the kiddies swimming around you. 🙂

Another good thing about the far flung location you picked. Turns out there are 8 Asian markets within 15-20 minutes drive for you wife to pick from, ranging from northeast Asian down to Southeast Asian. Hopefully that’s an improvement in comparison to MD.[/quote]

Actually I have something a little different planned, and it will include a casita/pool house with a flat roof with observation deck overlooking the canyon. I have a nice telescope, and observation in Maryland sucks, between trees, clouds and light pollution. the far flung area makes for awesome starry nights. I will have the sunken BBQ with in-pool barstools though.

And yes, we are well aware of the Asian markets. Don’t forget, my sister in law lives in PQ, which is another reason we like far flung, remote, lizardy locations. You might be surprised though about the quality of the Asian markets in our current area. Most are quite good, with our favorite being a Korean chain called H-Mart. Interestingly enough, the restaurants (for Thai and Vietnamese at least) have left something to be desired. We have yet to find a good bowl of Pho in MD, unless my wife makes it herself.[/quote]

Closest H Mart will be over at Irvine, where they think the entire SD area is far flung. Personally I think this area is overdue for a new Ranch 99 and H Mart. Theres an entire row of pho places on Mira Mesa, I’m sure you guys should be able to be satisfied.

Exciting plans on the pool/casita/observation deck, bet you can’t wait to get things started. You are going to be at around 1000 feet above sea level, tht should help win the star gazing as well.

[ocrenter]

Navydoc, you should build a pool just like the model home. You can man the BBQ in the middle, with all the kiddies swimming around you. 🙂

Another good thing about the far flung location you picked. Turns out there are 8 Asian markets within 15-20 minutes drive for you wife to pick from, ranging from northeast Asian down to Southeast Asian. Hopefully that’s an improvement in comparison to MD.

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Nicely done FLU. Hopefully the discussion about the even more far flung Palomar Medical Center will be on the next issue.

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[quote=svelte]It’s really stunning, a good design from what I can see so far. I can see it from most places I drive in San Marcos/Esco, it’s going to be quite a landmark and point of reference.

The funny part is that I once asked a staff member at Stone Brewery why they don’t get a live band in the grass area outside. His response was “you DO see that hospital going up next door, don’t you?”

Touche![/quote]

It is a testament to how big health care have become in our economy.

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Palomar Medical Center

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[quote=SD Realtor]It is especially fun to read comments from experts on neighborhoods that they probably have never even visited before.[/quote]

that’s because it is far flung! Do you not realize the number of tanks of gas needed for a visit? especially since gas is now over $4!!!

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[quote=bearishgurl]

Different strokes for different folks.

[/quote]

That much I agree.

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[quote=sdrealtor]Remember the neverending short sale on Old Creek? They had chickens in the backyard and now I understand why. They needed them to survive living in such a far flung lizard invested wasteland.[/quote]

a little known fact about stonebridge is because of its far flung location, residents frequently go to various resident doctors’ homes for medical care. I’m sure the residents will be quite happy to hear they can now just go to one of the new Toll Bros homes to deliver their offsprings. I’ve heard many a times expectant mothers end up delivering on the way out of that far flung wasteland.

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[quote=SD Realtor]wow ocr do you need to take a train to work since you live in a far flung zip code?[/quote]

dude, sometimes it takes many moons just to get to work. often times I end up sleeping at work because of that. shopping is so difficult that we end up planting our own veggies and raise our own chickens and pigs.

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