[temeculaguy]

[quote=zzz]i’ve struggled with the long term care policies and when they should be bought.
[/quote]

I looked into it for the folks as well and found similar frustrations, hence the downstairs bedroom plan. Actually the downstairs bedroom plan has other benefits as well, I have a friend who’s wife had a serious leg injury and couldn’t get up the stairs for six months (unfortunately she wasn’t a convenient carry sized wife). They didn’t have a downtairs bedroom or shower, it was quite the unforseen ordeal.

I do have long term care insurance for myself but it is an employer sponsored program and they would not cover anyone but me for any amount of money, I bought it when I was about 30, paid the premiums for 10 years and now I don’t have to pay again ever but it is in force for life. I know it is not cost effective insurance, I know I could have taken the same dollars and invested them elsewhere and probably made more money, but it didn’t break me, from memory it may have been pre-tax and at least i know that 30 years from now my kids won’t need to worry about this stuff.

CA renter, good tip on the life vial

[temeculaguy]

[quote=zzz]i’ve struggled with the long term care policies and when they should be bought.
[/quote]

I looked into it for the folks as well and found similar frustrations, hence the downstairs bedroom plan. Actually the downstairs bedroom plan has other benefits as well, I have a friend who’s wife had a serious leg injury and couldn’t get up the stairs for six months (unfortunately she wasn’t a convenient carry sized wife). They didn’t have a downtairs bedroom or shower, it was quite the unforseen ordeal.

I do have long term care insurance for myself but it is an employer sponsored program and they would not cover anyone but me for any amount of money, I bought it when I was about 30, paid the premiums for 10 years and now I don’t have to pay again ever but it is in force for life. I know it is not cost effective insurance, I know I could have taken the same dollars and invested them elsewhere and probably made more money, but it didn’t break me, from memory it may have been pre-tax and at least i know that 30 years from now my kids won’t need to worry about this stuff.

CA renter, good tip on the life vial

[temeculaguy]

[quote=zzz]i’ve struggled with the long term care policies and when they should be bought.
[/quote]

I looked into it for the folks as well and found similar frustrations, hence the downstairs bedroom plan. Actually the downstairs bedroom plan has other benefits as well, I have a friend who’s wife had a serious leg injury and couldn’t get up the stairs for six months (unfortunately she wasn’t a convenient carry sized wife). They didn’t have a downtairs bedroom or shower, it was quite the unforseen ordeal.

I do have long term care insurance for myself but it is an employer sponsored program and they would not cover anyone but me for any amount of money, I bought it when I was about 30, paid the premiums for 10 years and now I don’t have to pay again ever but it is in force for life. I know it is not cost effective insurance, I know I could have taken the same dollars and invested them elsewhere and probably made more money, but it didn’t break me, from memory it may have been pre-tax and at least i know that 30 years from now my kids won’t need to worry about this stuff.

CA renter, good tip on the life vial

[temeculaguy]

[quote=zzz]i’ve struggled with the long term care policies and when they should be bought.
[/quote]

I looked into it for the folks as well and found similar frustrations, hence the downstairs bedroom plan. Actually the downstairs bedroom plan has other benefits as well, I have a friend who’s wife had a serious leg injury and couldn’t get up the stairs for six months (unfortunately she wasn’t a convenient carry sized wife). They didn’t have a downtairs bedroom or shower, it was quite the unforseen ordeal.

I do have long term care insurance for myself but it is an employer sponsored program and they would not cover anyone but me for any amount of money, I bought it when I was about 30, paid the premiums for 10 years and now I don’t have to pay again ever but it is in force for life. I know it is not cost effective insurance, I know I could have taken the same dollars and invested them elsewhere and probably made more money, but it didn’t break me, from memory it may have been pre-tax and at least i know that 30 years from now my kids won’t need to worry about this stuff.

CA renter, good tip on the life vial

[temeculaguy]

I agree, the best rental i had and the one that didn’t get foreclosed on while I was there was exactly that. Owned outright by retirees and all they did was stick a sign out front, which my dog peed on during a walk, always a positive omen.

[temeculaguy]

I agree, the best rental i had and the one that didn’t get foreclosed on while I was there was exactly that. Owned outright by retirees and all they did was stick a sign out front, which my dog peed on during a walk, always a positive omen.

[temeculaguy]

I agree, the best rental i had and the one that didn’t get foreclosed on while I was there was exactly that. Owned outright by retirees and all they did was stick a sign out front, which my dog peed on during a walk, always a positive omen.

[temeculaguy]

I agree, the best rental i had and the one that didn’t get foreclosed on while I was there was exactly that. Owned outright by retirees and all they did was stick a sign out front, which my dog peed on during a walk, always a positive omen.

[temeculaguy]

I agree, the best rental i had and the one that didn’t get foreclosed on while I was there was exactly that. Owned outright by retirees and all they did was stick a sign out front, which my dog peed on during a walk, always a positive omen.

[temeculaguy]

[quote=jpinpb]To be fair, I’ve been hearing about people not making payments and not even getting any NODs for many months, so that could account for the low NODs. The banks aren’t even bothering to file NODs.[/quote]

But it wouldn’t affect the month over month numbers. If someone didn’t pay all year and didn’t get a nod all year, that wouldn’t explain a drop in nods or nots in the last two months. There are a few bits of info in the recorders numbers. nods/nots started rising this time last year and have been declining recently. I wish it wasn’t so late and I didn’t have to go to bed, I just figured out a whole bunch of things I want to look up, not sure where to even get the data. maybe someone else can figure it out. I’d love to see a graph of the county recorders numbers (not realty tracs crap), maybe a one year or a two year graph, showing nods, nots and nots that went through to either the bank or an investor. Then plot the number of short sales that have gone through in one color and loan mods in another color. Then pinpoint significant events such as state and federal moratoriums and foreclosure rule changes and maybe a few of the larger lender takeovers. I know it’s a tall order, but just in case Rich or someone else is bored, it may answer the giant question “where are we in the cycle” and my personal question “are short sales and reo sales churning through the distress.”

Industry public relations people and gov’t hacks will tell you it’s all over and values will start rising on one hand, while obscure websites and whackjobs will tell you we are all going to be growing food in the backyard using gold as our currency on the other hand. The truth is somewhere in the middle, where exactly is up for debate, but it would be nice to see all of the data on one graph.

[temeculaguy]

[quote=jpinpb]To be fair, I’ve been hearing about people not making payments and not even getting any NODs for many months, so that could account for the low NODs. The banks aren’t even bothering to file NODs.[/quote]

But it wouldn’t affect the month over month numbers. If someone didn’t pay all year and didn’t get a nod all year, that wouldn’t explain a drop in nods or nots in the last two months. There are a few bits of info in the recorders numbers. nods/nots started rising this time last year and have been declining recently. I wish it wasn’t so late and I didn’t have to go to bed, I just figured out a whole bunch of things I want to look up, not sure where to even get the data. maybe someone else can figure it out. I’d love to see a graph of the county recorders numbers (not realty tracs crap), maybe a one year or a two year graph, showing nods, nots and nots that went through to either the bank or an investor. Then plot the number of short sales that have gone through in one color and loan mods in another color. Then pinpoint significant events such as state and federal moratoriums and foreclosure rule changes and maybe a few of the larger lender takeovers. I know it’s a tall order, but just in case Rich or someone else is bored, it may answer the giant question “where are we in the cycle” and my personal question “are short sales and reo sales churning through the distress.”

Industry public relations people and gov’t hacks will tell you it’s all over and values will start rising on one hand, while obscure websites and whackjobs will tell you we are all going to be growing food in the backyard using gold as our currency on the other hand. The truth is somewhere in the middle, where exactly is up for debate, but it would be nice to see all of the data on one graph.

[temeculaguy]

[quote=jpinpb]To be fair, I’ve been hearing about people not making payments and not even getting any NODs for many months, so that could account for the low NODs. The banks aren’t even bothering to file NODs.[/quote]

But it wouldn’t affect the month over month numbers. If someone didn’t pay all year and didn’t get a nod all year, that wouldn’t explain a drop in nods or nots in the last two months. There are a few bits of info in the recorders numbers. nods/nots started rising this time last year and have been declining recently. I wish it wasn’t so late and I didn’t have to go to bed, I just figured out a whole bunch of things I want to look up, not sure where to even get the data. maybe someone else can figure it out. I’d love to see a graph of the county recorders numbers (not realty tracs crap), maybe a one year or a two year graph, showing nods, nots and nots that went through to either the bank or an investor. Then plot the number of short sales that have gone through in one color and loan mods in another color. Then pinpoint significant events such as state and federal moratoriums and foreclosure rule changes and maybe a few of the larger lender takeovers. I know it’s a tall order, but just in case Rich or someone else is bored, it may answer the giant question “where are we in the cycle” and my personal question “are short sales and reo sales churning through the distress.”

Industry public relations people and gov’t hacks will tell you it’s all over and values will start rising on one hand, while obscure websites and whackjobs will tell you we are all going to be growing food in the backyard using gold as our currency on the other hand. The truth is somewhere in the middle, where exactly is up for debate, but it would be nice to see all of the data on one graph.

[temeculaguy]

[quote=jpinpb]To be fair, I’ve been hearing about people not making payments and not even getting any NODs for many months, so that could account for the low NODs. The banks aren’t even bothering to file NODs.[/quote]

But it wouldn’t affect the month over month numbers. If someone didn’t pay all year and didn’t get a nod all year, that wouldn’t explain a drop in nods or nots in the last two months. There are a few bits of info in the recorders numbers. nods/nots started rising this time last year and have been declining recently. I wish it wasn’t so late and I didn’t have to go to bed, I just figured out a whole bunch of things I want to look up, not sure where to even get the data. maybe someone else can figure it out. I’d love to see a graph of the county recorders numbers (not realty tracs crap), maybe a one year or a two year graph, showing nods, nots and nots that went through to either the bank or an investor. Then plot the number of short sales that have gone through in one color and loan mods in another color. Then pinpoint significant events such as state and federal moratoriums and foreclosure rule changes and maybe a few of the larger lender takeovers. I know it’s a tall order, but just in case Rich or someone else is bored, it may answer the giant question “where are we in the cycle” and my personal question “are short sales and reo sales churning through the distress.”

Industry public relations people and gov’t hacks will tell you it’s all over and values will start rising on one hand, while obscure websites and whackjobs will tell you we are all going to be growing food in the backyard using gold as our currency on the other hand. The truth is somewhere in the middle, where exactly is up for debate, but it would be nice to see all of the data on one graph.

[temeculaguy]

[quote=jpinpb]To be fair, I’ve been hearing about people not making payments and not even getting any NODs for many months, so that could account for the low NODs. The banks aren’t even bothering to file NODs.[/quote]

But it wouldn’t affect the month over month numbers. If someone didn’t pay all year and didn’t get a nod all year, that wouldn’t explain a drop in nods or nots in the last two months. There are a few bits of info in the recorders numbers. nods/nots started rising this time last year and have been declining recently. I wish it wasn’t so late and I didn’t have to go to bed, I just figured out a whole bunch of things I want to look up, not sure where to even get the data. maybe someone else can figure it out. I’d love to see a graph of the county recorders numbers (not realty tracs crap), maybe a one year or a two year graph, showing nods, nots and nots that went through to either the bank or an investor. Then plot the number of short sales that have gone through in one color and loan mods in another color. Then pinpoint significant events such as state and federal moratoriums and foreclosure rule changes and maybe a few of the larger lender takeovers. I know it’s a tall order, but just in case Rich or someone else is bored, it may answer the giant question “where are we in the cycle” and my personal question “are short sales and reo sales churning through the distress.”

Industry public relations people and gov’t hacks will tell you it’s all over and values will start rising on one hand, while obscure websites and whackjobs will tell you we are all going to be growing food in the backyard using gold as our currency on the other hand. The truth is somewhere in the middle, where exactly is up for debate, but it would be nice to see all of the data on one graph.

[temeculaguy]

I have read a number of books and spent hundreds of hours laboring over decisions in raising my kids. I’ve prided myself on their accomplishments, maturity, understanding and happiness. Until just now, I felt I had done a fantastic job, in fact, my first book is more than likley going to be a modern single dads guide to raising happy kids.

But then i read svelte’s post and realized that no man ever did a better job raising their kids than svelte’s pops, he should write the book because any man that raises their kid and that kid grows up and sets up that scenario for him should be given a medal. Some parents want their kid to grow up and be a doctor, lawyer or even a president, I want my kid to grow up and be svelte.

Bravo, keep spreading the happiness.

[Author]

Posts