[sdcellar]

masayako– I have to say I’m having a hard time fully understanding what question you’re looking to answer. I understand the original post, which is how much to put down and what type of loan to get, but further along, you say that you’re on track to have 50% down in 3 years time.

This introduces the factor of when you’d actually be pulling the trigger. On first glance, one might conclude that you plan on purchasing three years from now and are simply wondering how you might approach it when you get there. Thinking about it a bit more deeply, it seems you could be considering a number of other alternatives.

Perhaps you have 20% today, so if that’s a good idea, you would buy today (assuming there’s something you like).

Perhaps you really are three years out, but you want to think about how you might lock up your money. That is, you decide you like half down, so you need to be fully liquid to the tune of $500K in three years.

And, I could go on and on.

I guess what strikes me is your’re asking the question today (well, the other day, really). If you’re three years out, then I’d say save as much as you can, invest it wisely (easier said than done, as someone said, more reward indicates higher risk) and continue to noodle on how much to put down and what vehicle you might use to finance it. It doesn’t do you any good to ponder 4.25% interest rates offered today because who knows where that will be three years from now. Same thing with your million dollar house. Not many meeting your criteria today and who knows what it will look like in three years. Could be a lot more (and cheaper). Or not.

So I guess the short version is “What is your time horizon?”

(and, yes, “between 0 and 3 years” is a fair answer)

Just trying to fully understand the question.

[sdcellar]

There are pros and cons for both owning and renting. I seem to recall Rich putting up a fairly even-handed (unsurprisingly) article about the buy side not too long ago.

I’m one of the Piggs who caved and I’d have to say it doesn’t mean much. I will say there’s no way in heck we’re the last holdouts.

I’m not surprised, however, that some who haven’t come to the dark side are a little annoyed with the buyer’s club. I know I still wonder how I’ll feel about things 5 years from now. 10 years. Maybe my wounds (?) are still a little fresh.

So yeah, descriptions of the unbridled goodness of buying from some (and not all, mind you!) continue to rub me at least a little bit the wrong way.

As do renting sucks diatribes. Well, on that front, a lot the wrong way. Anecdotally, sure, renting *can* suck. It can be just fine too. I do know there are worse plumbing problems then leaky toilets. Or maybe that’s just an anecdote that was my former (renter) neighbor whose pipes inside the slab burst. I’m pretty sure that cost more than 50 bucks to fix. My neighbors, of course, really had no idea how much it cost to fix because they, well, didn’t have to pay a dime for it.

So, yeah, we all have our “realities”. I’m just gonna have to go with I tried my best to go with something I could afford and hopefully it’ll all work out nicely for my family in the long run.

So, aldante, I hope the same for you. Any update on those repairs, btw?

[sdcellar]

There are pros and cons for both owning and renting. I seem to recall Rich putting up a fairly even-handed (unsurprisingly) article about the buy side not too long ago.

I’m one of the Piggs who caved and I’d have to say it doesn’t mean much. I will say there’s no way in heck we’re the last holdouts.

I’m not surprised, however, that some who haven’t come to the dark side are a little annoyed with the buyer’s club. I know I still wonder how I’ll feel about things 5 years from now. 10 years. Maybe my wounds (?) are still a little fresh.

So yeah, descriptions of the unbridled goodness of buying from some (and not all, mind you!) continue to rub me at least a little bit the wrong way.

As do renting sucks diatribes. Well, on that front, a lot the wrong way. Anecdotally, sure, renting *can* suck. It can be just fine too. I do know there are worse plumbing problems then leaky toilets. Or maybe that’s just an anecdote that was my former (renter) neighbor whose pipes inside the slab burst. I’m pretty sure that cost more than 50 bucks to fix. My neighbors, of course, really had no idea how much it cost to fix because they, well, didn’t have to pay a dime for it.

So, yeah, we all have our “realities”. I’m just gonna have to go with I tried my best to go with something I could afford and hopefully it’ll all work out nicely for my family in the long run.

So, aldante, I hope the same for you. Any update on those repairs, btw?

[sdcellar]

There are pros and cons for both owning and renting. I seem to recall Rich putting up a fairly even-handed (unsurprisingly) article about the buy side not too long ago.

I’m one of the Piggs who caved and I’d have to say it doesn’t mean much. I will say there’s no way in heck we’re the last holdouts.

I’m not surprised, however, that some who haven’t come to the dark side are a little annoyed with the buyer’s club. I know I still wonder how I’ll feel about things 5 years from now. 10 years. Maybe my wounds (?) are still a little fresh.

So yeah, descriptions of the unbridled goodness of buying from some (and not all, mind you!) continue to rub me at least a little bit the wrong way.

As do renting sucks diatribes. Well, on that front, a lot the wrong way. Anecdotally, sure, renting *can* suck. It can be just fine too. I do know there are worse plumbing problems then leaky toilets. Or maybe that’s just an anecdote that was my former (renter) neighbor whose pipes inside the slab burst. I’m pretty sure that cost more than 50 bucks to fix. My neighbors, of course, really had no idea how much it cost to fix because they, well, didn’t have to pay a dime for it.

So, yeah, we all have our “realities”. I’m just gonna have to go with I tried my best to go with something I could afford and hopefully it’ll all work out nicely for my family in the long run.

So, aldante, I hope the same for you. Any update on those repairs, btw?

[sdcellar]

There are pros and cons for both owning and renting. I seem to recall Rich putting up a fairly even-handed (unsurprisingly) article about the buy side not too long ago.

I’m one of the Piggs who caved and I’d have to say it doesn’t mean much. I will say there’s no way in heck we’re the last holdouts.

I’m not surprised, however, that some who haven’t come to the dark side are a little annoyed with the buyer’s club. I know I still wonder how I’ll feel about things 5 years from now. 10 years. Maybe my wounds (?) are still a little fresh.

So yeah, descriptions of the unbridled goodness of buying from some (and not all, mind you!) continue to rub me at least a little bit the wrong way.

As do renting sucks diatribes. Well, on that front, a lot the wrong way. Anecdotally, sure, renting *can* suck. It can be just fine too. I do know there are worse plumbing problems then leaky toilets. Or maybe that’s just an anecdote that was my former (renter) neighbor whose pipes inside the slab burst. I’m pretty sure that cost more than 50 bucks to fix. My neighbors, of course, really had no idea how much it cost to fix because they, well, didn’t have to pay a dime for it.

So, yeah, we all have our “realities”. I’m just gonna have to go with I tried my best to go with something I could afford and hopefully it’ll all work out nicely for my family in the long run.

So, aldante, I hope the same for you. Any update on those repairs, btw?

[sdcellar]

There are pros and cons for both owning and renting. I seem to recall Rich putting up a fairly even-handed (unsurprisingly) article about the buy side not too long ago.

I’m one of the Piggs who caved and I’d have to say it doesn’t mean much. I will say there’s no way in heck we’re the last holdouts.

I’m not surprised, however, that some who haven’t come to the dark side are a little annoyed with the buyer’s club. I know I still wonder how I’ll feel about things 5 years from now. 10 years. Maybe my wounds (?) are still a little fresh.

So yeah, descriptions of the unbridled goodness of buying from some (and not all, mind you!) continue to rub me at least a little bit the wrong way.

As do renting sucks diatribes. Well, on that front, a lot the wrong way. Anecdotally, sure, renting *can* suck. It can be just fine too. I do know there are worse plumbing problems then leaky toilets. Or maybe that’s just an anecdote that was my former (renter) neighbor whose pipes inside the slab burst. I’m pretty sure that cost more than 50 bucks to fix. My neighbors, of course, really had no idea how much it cost to fix because they, well, didn’t have to pay a dime for it.

So, yeah, we all have our “realities”. I’m just gonna have to go with I tried my best to go with something I could afford and hopefully it’ll all work out nicely for my family in the long run.

So, aldante, I hope the same for you. Any update on those repairs, btw?

[sdcellar]

Rob Roy. It’ll treat you right spring, summer, winter and fall.

[sdcellar]

Rob Roy. It’ll treat you right spring, summer, winter and fall.

[sdcellar]

Rob Roy. It’ll treat you right spring, summer, winter and fall.

[sdcellar]

Rob Roy. It’ll treat you right spring, summer, winter and fall.

[sdcellar]

Rob Roy. It’ll treat you right spring, summer, winter and fall.

[sdcellar]

I vote for Solana Beach.

[sdcellar]

I vote for Solana Beach.

[sdcellar]

I vote for Solana Beach.

[sdcellar]

I vote for Solana Beach.

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