[Scarlett]

The cost of graduate studies in science is really MINIMAL. Many PhD graduate students have a fellowship: their tuition paid by the university and some even given a small stipend and subsidized housing – so they can squeak by without paying a penny. Others had to take a research or teaching assistanthip in the univeristy to cover the tuition and stipend, something very doable. That’s what I and my friends who got PhDs in physics, engineering, biology did. BTW, my husband and I, both PhDs, didn’t have any student debt.

Of course, there are costs of missed opportunities of investment, like savings for retirement, etc.

[Scarlett]

There was some traffic at the open house. Supposedly they had a few offer that haven’t been accepted yet, if you believe the LA.

I don’t think I’ll end up making an offer on it, but I have not decided yet. I am in no hurry to buy and I know I can find other similar or better properties in PQ for the same price if I am patient. The location is a tad busy, too many updates missing (that other properties have – this was a rental),no AC, the bedrooms were all small.

Another curious thing – if it went thru foreclosure, presumably in November – how come it’s on the market for 8 months, without getting relisted? (presumably with the same agent).

BG that info you dug out was supplied also by my ex-agent in REalist report.

But Trust is not the same as bank, is it? The open house agent said bank owned.

[Scarlett]

There was some traffic at the open house. Supposedly they had a few offer that haven’t been accepted yet, if you believe the LA.

I don’t think I’ll end up making an offer on it, but I have not decided yet. I am in no hurry to buy and I know I can find other similar or better properties in PQ for the same price if I am patient. The location is a tad busy, too many updates missing (that other properties have – this was a rental),no AC, the bedrooms were all small.

Another curious thing – if it went thru foreclosure, presumably in November – how come it’s on the market for 8 months, without getting relisted? (presumably with the same agent).

BG that info you dug out was supplied also by my ex-agent in REalist report.

But Trust is not the same as bank, is it? The open house agent said bank owned.

[Scarlett]

There was some traffic at the open house. Supposedly they had a few offer that haven’t been accepted yet, if you believe the LA.

I don’t think I’ll end up making an offer on it, but I have not decided yet. I am in no hurry to buy and I know I can find other similar or better properties in PQ for the same price if I am patient. The location is a tad busy, too many updates missing (that other properties have – this was a rental),no AC, the bedrooms were all small.

Another curious thing – if it went thru foreclosure, presumably in November – how come it’s on the market for 8 months, without getting relisted? (presumably with the same agent).

BG that info you dug out was supplied also by my ex-agent in REalist report.

But Trust is not the same as bank, is it? The open house agent said bank owned.

[Scarlett]

There was some traffic at the open house. Supposedly they had a few offer that haven’t been accepted yet, if you believe the LA.

I don’t think I’ll end up making an offer on it, but I have not decided yet. I am in no hurry to buy and I know I can find other similar or better properties in PQ for the same price if I am patient. The location is a tad busy, too many updates missing (that other properties have – this was a rental),no AC, the bedrooms were all small.

Another curious thing – if it went thru foreclosure, presumably in November – how come it’s on the market for 8 months, without getting relisted? (presumably with the same agent).

BG that info you dug out was supplied also by my ex-agent in REalist report.

But Trust is not the same as bank, is it? The open house agent said bank owned.

[Scarlett]

There was some traffic at the open house. Supposedly they had a few offer that haven’t been accepted yet, if you believe the LA.

I don’t think I’ll end up making an offer on it, but I have not decided yet. I am in no hurry to buy and I know I can find other similar or better properties in PQ for the same price if I am patient. The location is a tad busy, too many updates missing (that other properties have – this was a rental),no AC, the bedrooms were all small.

Another curious thing – if it went thru foreclosure, presumably in November – how come it’s on the market for 8 months, without getting relisted? (presumably with the same agent).

BG that info you dug out was supplied also by my ex-agent in REalist report.

But Trust is not the same as bank, is it? The open house agent said bank owned.

[Scarlett]

Isn’t this odd? This weekend the property I was interested in had a open house. Curious to see it again, to double check my memories of the place,I went.

And guess what. The agent that held the open house (a different one than the listing one) tells us (and everybody else) that it’s bank-owned, and ready to accept lowball offers!!! take that!

Surprise, surprise. When less than 2 weeks ago our agent talked to the Listing agent and we were told it’s a traditional, PRE-foreclosure sale. WTF?

This is the listing in the Redfin:
http://www.redfin.com/CA/San-Diego/9521-Pipilo-St-92129/home/4765048

The MLS remarks didn’t mention REO.
I am not even sure who dropped the ball or who, if anybody lied to anybody? What is your opinion?
I just find the whole thing very odd.

[Scarlett]

Isn’t this odd? This weekend the property I was interested in had a open house. Curious to see it again, to double check my memories of the place,I went.

And guess what. The agent that held the open house (a different one than the listing one) tells us (and everybody else) that it’s bank-owned, and ready to accept lowball offers!!! take that!

Surprise, surprise. When less than 2 weeks ago our agent talked to the Listing agent and we were told it’s a traditional, PRE-foreclosure sale. WTF?

This is the listing in the Redfin:
http://www.redfin.com/CA/San-Diego/9521-Pipilo-St-92129/home/4765048

The MLS remarks didn’t mention REO.
I am not even sure who dropped the ball or who, if anybody lied to anybody? What is your opinion?
I just find the whole thing very odd.

[Scarlett]

Isn’t this odd? This weekend the property I was interested in had a open house. Curious to see it again, to double check my memories of the place,I went.

And guess what. The agent that held the open house (a different one than the listing one) tells us (and everybody else) that it’s bank-owned, and ready to accept lowball offers!!! take that!

Surprise, surprise. When less than 2 weeks ago our agent talked to the Listing agent and we were told it’s a traditional, PRE-foreclosure sale. WTF?

This is the listing in the Redfin:
http://www.redfin.com/CA/San-Diego/9521-Pipilo-St-92129/home/4765048

The MLS remarks didn’t mention REO.
I am not even sure who dropped the ball or who, if anybody lied to anybody? What is your opinion?
I just find the whole thing very odd.

[Scarlett]

Isn’t this odd? This weekend the property I was interested in had a open house. Curious to see it again, to double check my memories of the place,I went.

And guess what. The agent that held the open house (a different one than the listing one) tells us (and everybody else) that it’s bank-owned, and ready to accept lowball offers!!! take that!

Surprise, surprise. When less than 2 weeks ago our agent talked to the Listing agent and we were told it’s a traditional, PRE-foreclosure sale. WTF?

This is the listing in the Redfin:
http://www.redfin.com/CA/San-Diego/9521-Pipilo-St-92129/home/4765048

The MLS remarks didn’t mention REO.
I am not even sure who dropped the ball or who, if anybody lied to anybody? What is your opinion?
I just find the whole thing very odd.

[Scarlett]

Isn’t this odd? This weekend the property I was interested in had a open house. Curious to see it again, to double check my memories of the place,I went.

And guess what. The agent that held the open house (a different one than the listing one) tells us (and everybody else) that it’s bank-owned, and ready to accept lowball offers!!! take that!

Surprise, surprise. When less than 2 weeks ago our agent talked to the Listing agent and we were told it’s a traditional, PRE-foreclosure sale. WTF?

This is the listing in the Redfin:
http://www.redfin.com/CA/San-Diego/9521-Pipilo-St-92129/home/4765048

The MLS remarks didn’t mention REO.
I am not even sure who dropped the ball or who, if anybody lied to anybody? What is your opinion?
I just find the whole thing very odd.

[Scarlett]

I am with UCGal about this one – mainly…

I am going to take the middle ground in this match. I have close friends that are almost in the same situation as sdr’s friend. Those people can rent a nice pretty big house, pay debt and save for downpayment. They can still have a very good lifestyle. But for such high income and good debt to loan ratios I think it would be a reasonable exception for the downpayment to be 10% and not 20% if they don’t have any student loans debt. Very low risk – for the current conditions.

(begin rant) Since sdr talked about advanced degrees, I have a PhD and for people like us there wouldn’t be any exceptions made… PhDs won’t ever have the income the MDs have, not even half of that. If we get into six figures that’s very fortunate and happens after 6 years of grad studies, 3-6 years of postdocs with salaries in the 20s and 30s (usually when they start having kids in their 30s) and a few more years in industry or as an assistant professor. So it’s around age 40 – when one finally is able to START saving for downpayment (from previous salaries, barely enough to save some for retirement). True, they won’t have much student debt (usually PhD students are payed a very modest stipend or they help with research and teaching). Same type of sacrifices. How long do you think it takes a pair of PhDs to save 100K for a house that’s going to be much less than the one that your doctor friend would buy (guaranteed!). yeah, quite a few years. What quality of life is that, sdr? Are you saying MDs more deserving that PhDs? (end rant)

[Scarlett]

I am with UCGal about this one – mainly…

I am going to take the middle ground in this match. I have close friends that are almost in the same situation as sdr’s friend. Those people can rent a nice pretty big house, pay debt and save for downpayment. They can still have a very good lifestyle. But for such high income and good debt to loan ratios I think it would be a reasonable exception for the downpayment to be 10% and not 20% if they don’t have any student loans debt. Very low risk – for the current conditions.

(begin rant) Since sdr talked about advanced degrees, I have a PhD and for people like us there wouldn’t be any exceptions made… PhDs won’t ever have the income the MDs have, not even half of that. If we get into six figures that’s very fortunate and happens after 6 years of grad studies, 3-6 years of postdocs with salaries in the 20s and 30s (usually when they start having kids in their 30s) and a few more years in industry or as an assistant professor. So it’s around age 40 – when one finally is able to START saving for downpayment (from previous salaries, barely enough to save some for retirement). True, they won’t have much student debt (usually PhD students are payed a very modest stipend or they help with research and teaching). Same type of sacrifices. How long do you think it takes a pair of PhDs to save 100K for a house that’s going to be much less than the one that your doctor friend would buy (guaranteed!). yeah, quite a few years. What quality of life is that, sdr? Are you saying MDs more deserving that PhDs? (end rant)

[Scarlett]

I am with UCGal about this one – mainly…

I am going to take the middle ground in this match. I have close friends that are almost in the same situation as sdr’s friend. Those people can rent a nice pretty big house, pay debt and save for downpayment. They can still have a very good lifestyle. But for such high income and good debt to loan ratios I think it would be a reasonable exception for the downpayment to be 10% and not 20% if they don’t have any student loans debt. Very low risk – for the current conditions.

(begin rant) Since sdr talked about advanced degrees, I have a PhD and for people like us there wouldn’t be any exceptions made… PhDs won’t ever have the income the MDs have, not even half of that. If we get into six figures that’s very fortunate and happens after 6 years of grad studies, 3-6 years of postdocs with salaries in the 20s and 30s (usually when they start having kids in their 30s) and a few more years in industry or as an assistant professor. So it’s around age 40 – when one finally is able to START saving for downpayment (from previous salaries, barely enough to save some for retirement). True, they won’t have much student debt (usually PhD students are payed a very modest stipend or they help with research and teaching). Same type of sacrifices. How long do you think it takes a pair of PhDs to save 100K for a house that’s going to be much less than the one that your doctor friend would buy (guaranteed!). yeah, quite a few years. What quality of life is that, sdr? Are you saying MDs more deserving that PhDs? (end rant)

[Scarlett]

I am with UCGal about this one – mainly…

I am going to take the middle ground in this match. I have close friends that are almost in the same situation as sdr’s friend. Those people can rent a nice pretty big house, pay debt and save for downpayment. They can still have a very good lifestyle. But for such high income and good debt to loan ratios I think it would be a reasonable exception for the downpayment to be 10% and not 20% if they don’t have any student loans debt. Very low risk – for the current conditions.

(begin rant) Since sdr talked about advanced degrees, I have a PhD and for people like us there wouldn’t be any exceptions made… PhDs won’t ever have the income the MDs have, not even half of that. If we get into six figures that’s very fortunate and happens after 6 years of grad studies, 3-6 years of postdocs with salaries in the 20s and 30s (usually when they start having kids in their 30s) and a few more years in industry or as an assistant professor. So it’s around age 40 – when one finally is able to START saving for downpayment (from previous salaries, barely enough to save some for retirement). True, they won’t have much student debt (usually PhD students are payed a very modest stipend or they help with research and teaching). Same type of sacrifices. How long do you think it takes a pair of PhDs to save 100K for a house that’s going to be much less than the one that your doctor friend would buy (guaranteed!). yeah, quite a few years. What quality of life is that, sdr? Are you saying MDs more deserving that PhDs? (end rant)

[Author]

Posts