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January 19, 2013 at 2:45 PM in reply to: Over 21% of homeowners in SD County have paid off houses #758039
scaredyclassic
Participantearlyret, i think what you’re saying is, there are lots dumber things you could do with money…
and that’s true…
but I’d say there are smarter moves, too…
for the dumbest, it’s not all that risky to pay off the house.
luckily, with college tuitions on the horizon for the next 12 years or so, I will be fortunate to not have any extra money to worry about…
Participantyes, getting back to me, the thought of being a landlord makes me shiver and sweat. the slightest problem on my own place gets me peeved. however, I did purchase and install a complete bathroom sink for this refi. it wasn’t exactly very hard, but it was on a tight timeline, and i did actually do it. so, that was pretty empowering. my squatting came in handy hoisting the sink about. light as a feather.
i kinda feel like I did buy a house and an investment property, as this place cost about twice as much as I wanted to pay.
blogstar, i am slightly envious of you for having the tenacity and guts to buy a place for a rental. i can see that it kinda makes sense, esp. a couple years ago. just not for me. ever…the minor hassles of life are just too much for me… i can’t deal…gak…i get irritated thinking about the slightest problems…
ParticipantI have decided that I am basically just complaining that I have too much money and I’m going to shut up and enjoy my good life.
Now returning to the Green Party.
ParticipantHmmm.
Need to ponder.
Parents matter.
I’m thinking cal poly Pomona if he gets in. Tuition plus rm and board comparable to uc riv tuition, and no commute. Also can visit on weekend.
Ok, done.
Wait. Unless they won’t take his 1.5 years of ap credit. Maybe just go get a bs at cal state San Marcos ASAP while living at home.
ParticipantSpecific federal law prohibits green card marriage
Participant[quote=flu][quote=squat300]i will be pretty broke if I pay sticker price for 3 kids over the next 12 years…ahh, the hell with it…community college for everyone…[/quote]
Squat..Just wait until state schools start to follow some private schools and start including the equity of your primary residence towards whether your kids qualify for financial aid…Yup that’s right…If you spent your time paying off your house, they expect you to mortgage your house to pay for your kid’s education. Meanwhile, if you totally heloced the hell out of it and have no equity, then you get a benefit.
http://www.cbsnews.com/8301-505145_162-51276393/what-college-aid-officers-wont-tell-you/%5B/quote%5D
Would it pay to remortgage the house for fin aid purposes, invest the money? Would the difference between heloc interest and return be less than the inc. tuition?
ParticipantI feel better now. Going to count my blessings and not look at what’s on others plates.
Still, an arranged marriage might be nice. Not sure if domestic partnerships will work so I’m looking for a girl. Anyone out there looking to make a match?
Participant[quote=Blogstar]My parents were both deceased by the time I was 21. I was in the Navy until I was 23. When I got out and got a full time job then enrolled in college I could not get financial aid because I made too much money!
Lots of ethnic groups, born here and new arrivals who lived with their parents were getting free money every year. In Physics and Calculus it was mostly Asians. White kids who still lived with their parents in nice middle class homes were getting money on some terms. That was when I became a political agnostic.[/quote]Nowadays it seems like some vets kids get a total free ride. That also seems to me to screw up the market price since they won’t care what tuition is as they’re not paying it
Participant18: no further duty to support kid.
18; able to contract
18: able to join military
18: get life in prison for certain crimes.
21; able to drink
24: able to apply for financial aid without parental assets
I think the financial aid rules are basically recognizing that basically, your kid is still a kid for a long time….probably should raise all the other ages to 24, too, just for consistency…
Participant[quote=flu][quote=SK in CV]I’m not sure what this has to do with being a republican, but yeah it’s tough. But it’s worth it.
Btw, kids with a 3.0 can’t often get into a UC anyway.[/quote]
Depends on what race you claim you are. If your white, forget it. If your Asian, definitely forget it.[/quote]
who will speak for the mexi-jews?
Participantthe other riskier possibility is to just jump on the bandwagon and borrow, and expect some sort of federal relief when the bubble pops…
the first kid I think could do the engineering route pretty successfully…
but all these decisions are so speculative at 17
Participantgrrr. sucks when there’s all this emotion and familial duty wrapped up in it.
colleges are bad.
so what about getting your kid married? then he’s on his own…
why not do that?
Participanti will be pretty broke if I pay sticker price for 3 kids over the next 12 years…ahh, the hell with it…community college for everyone…
Participantno but id send my kid there for the right price..
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