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November 5, 2009 at 10:04 AM in reply to: Slow decline or is a big chunk about to be ripped out? #478199November 5, 2009 at 10:04 AM in reply to: Slow decline or is a big chunk about to be ripped out? #478566
SD Realtor
ParticipantI do think the high end is much more susceptible to larger decreases.
CAR and sdr one of the factors that should be addressed is the sales to active ratios. Agree the sales volume is lower then 08 but I would guess the solds to active ratios for 09 is higher, possibly much higher then 08. I think you would both agree.
November 5, 2009 at 10:04 AM in reply to: Slow decline or is a big chunk about to be ripped out? #478646ParticipantI do think the high end is much more susceptible to larger decreases.
CAR and sdr one of the factors that should be addressed is the sales to active ratios. Agree the sales volume is lower then 08 but I would guess the solds to active ratios for 09 is higher, possibly much higher then 08. I think you would both agree.
November 5, 2009 at 10:04 AM in reply to: Slow decline or is a big chunk about to be ripped out? #478868ParticipantI do think the high end is much more susceptible to larger decreases.
CAR and sdr one of the factors that should be addressed is the sales to active ratios. Agree the sales volume is lower then 08 but I would guess the solds to active ratios for 09 is higher, possibly much higher then 08. I think you would both agree.
ParticipantOnce again, this is entirely expected. To think this was not going to happen is not realistic. I am not in agreement with this either, especially when you add the interest up on the all the money spent.
ParticipantOnce again, this is entirely expected. To think this was not going to happen is not realistic. I am not in agreement with this either, especially when you add the interest up on the all the money spent.
ParticipantOnce again, this is entirely expected. To think this was not going to happen is not realistic. I am not in agreement with this either, especially when you add the interest up on the all the money spent.
ParticipantOnce again, this is entirely expected. To think this was not going to happen is not realistic. I am not in agreement with this either, especially when you add the interest up on the all the money spent.
ParticipantOnce again, this is entirely expected. To think this was not going to happen is not realistic. I am not in agreement with this either, especially when you add the interest up on the all the money spent.
ParticipantScarlett as a parent I understand your dilema with kids. People seem to think you can just drop your kids at any daycare, that they are all the same and it is a matter of price shopping. We had our kids at the JCC for a few years and it was top notch. However it was an inconvenient drive for us so we have them closer to our home. Tolerable place, not as great as the JCC but not as bad as a Kindercare. Decent teacher/child ratio… tolerable. We fork out 300 a week for two kids and that is only 3 days a week.
We would not even think of bringing in a live in nanny or someone who is not related. In fact I know of people who have even had family members steal from them.
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Montessori is good but you will find a pretty high variance of quality between locations. We did for the ones that we checked out. Also the normal operation hours for Montessori were no convenient for us and as you know these places make a killing on after hours care.
ParticipantScarlett as a parent I understand your dilema with kids. People seem to think you can just drop your kids at any daycare, that they are all the same and it is a matter of price shopping. We had our kids at the JCC for a few years and it was top notch. However it was an inconvenient drive for us so we have them closer to our home. Tolerable place, not as great as the JCC but not as bad as a Kindercare. Decent teacher/child ratio… tolerable. We fork out 300 a week for two kids and that is only 3 days a week.
We would not even think of bringing in a live in nanny or someone who is not related. In fact I know of people who have even had family members steal from them.
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Montessori is good but you will find a pretty high variance of quality between locations. We did for the ones that we checked out. Also the normal operation hours for Montessori were no convenient for us and as you know these places make a killing on after hours care.
ParticipantScarlett as a parent I understand your dilema with kids. People seem to think you can just drop your kids at any daycare, that they are all the same and it is a matter of price shopping. We had our kids at the JCC for a few years and it was top notch. However it was an inconvenient drive for us so we have them closer to our home. Tolerable place, not as great as the JCC but not as bad as a Kindercare. Decent teacher/child ratio… tolerable. We fork out 300 a week for two kids and that is only 3 days a week.
We would not even think of bringing in a live in nanny or someone who is not related. In fact I know of people who have even had family members steal from them.
***********
Montessori is good but you will find a pretty high variance of quality between locations. We did for the ones that we checked out. Also the normal operation hours for Montessori were no convenient for us and as you know these places make a killing on after hours care.
ParticipantScarlett as a parent I understand your dilema with kids. People seem to think you can just drop your kids at any daycare, that they are all the same and it is a matter of price shopping. We had our kids at the JCC for a few years and it was top notch. However it was an inconvenient drive for us so we have them closer to our home. Tolerable place, not as great as the JCC but not as bad as a Kindercare. Decent teacher/child ratio… tolerable. We fork out 300 a week for two kids and that is only 3 days a week.
We would not even think of bringing in a live in nanny or someone who is not related. In fact I know of people who have even had family members steal from them.
***********
Montessori is good but you will find a pretty high variance of quality between locations. We did for the ones that we checked out. Also the normal operation hours for Montessori were no convenient for us and as you know these places make a killing on after hours care.
ParticipantScarlett as a parent I understand your dilema with kids. People seem to think you can just drop your kids at any daycare, that they are all the same and it is a matter of price shopping. We had our kids at the JCC for a few years and it was top notch. However it was an inconvenient drive for us so we have them closer to our home. Tolerable place, not as great as the JCC but not as bad as a Kindercare. Decent teacher/child ratio… tolerable. We fork out 300 a week for two kids and that is only 3 days a week.
We would not even think of bringing in a live in nanny or someone who is not related. In fact I know of people who have even had family members steal from them.
***********
Montessori is good but you will find a pretty high variance of quality between locations. We did for the ones that we checked out. Also the normal operation hours for Montessori were no convenient for us and as you know these places make a killing on after hours care.
ParticipantScarlett yes I would say that if our international creditors continue to fund our debt then yes, rates will be kept artificially low. The secondary market for mortgages is essentially a socialized market backed by taxpayer money. Institutional and private investment disappeared.
Think of it this way. You buy a home. Wells or BofA originates your loan. It is then sold off on the secondary market to who? Well most likely one of the GSEs. Maybe even the Fed. Where did that money come from? In this day and age it was just tossed on our tab.
Furthermore our administration is wholeheartedly spending money and building up debt faster then any of the previous ones. This is what the majority of people in our country want. It is much easier to be taken care of then to take care of things.
So yes as long as everyone plays nice the dominoes will not fall. Todays dollar compared to 10 years ago dollar is about worth 62 cents. When the dominoes do fall we will see substantially higher rates. There may be some political horsetrading to lessen the blow. For instance maybe Taiwan will be a sacrificial lamb to China in exchange for another few years of credit extension.
Not sure if you lived here in the 1980s mortgages of 12% and higher were the NORM. If you have a big cashpile you are stoked. If you do not then you are screwed.
I am not really saying buy or dont buy now. Many people are buying now for various reasons however none of them that I know are buying because they think it is a market bottom. If you look at the most bearish posts on this site, those posters harp and harp on the fact that knifecatching buyers are doing so because they think it is a market bottom. There is a blind eye and ear to the fact that people buy homes (and other things for that matter) for other reasons then timing a market. Another hard to swallow fact is that alot of these buyers do have the resources to be able to do this. Even lately there is the “overbearing spouses” reasoning, that people are all buying because they are forced to buy thier overbearing spouse.
So whatever the reason is, people are buying, for better or for worse.
Keep your eyes open whatever you do.
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