[temeculaguy]

[quote=walterwhite]It gets worse.[/quote]

Maybe it’s not the same for girls, but this is one of the best things about public school. Preparing your child to ward off bullies or to win fights is depriving them of one of life’s great lessons …getting your ass kicked. I still keep a picture on my phone of my son the day I had to go collect him at the principal’s office about two years ago, black eye, bloody nose, priceless. During the car ride home, I let him talk about how he tried to negotiate, told his challenger he didn’t want to fight, then got sucker punched as he turned to walk away. His church going grandma had told him about turning the other cheek and now it was time for his dad to talk about how theory and reality didn’t always align themselves. Then we had a moment when i said that I was about 16, just like he was when I got my ass kicked in school and that the bloody nose I still get when the weather changes abruptly or when we fly, is a reminder of that day. I was able to tell him that this will not be the last time, but over time, he will learn to anticipate things and one day he will stop losing fights. His one good eye lit up. We had a priceless father/son moment, he hasn’t lost a fight since, he doesn’t start them, but he learned to end them.

FLU, it’s only kindergarten, but don’t shelter them too much, the only way to learn to defend themselves is to lose a few times. Olympic ski jumpers can only land those jumps because they crashed as they were learning. Teaching them martial arts or boxing only makes them too brave for their own good, losing a few fights teaches them humility as well as technique. Same goes for the verbal bashing, losing a few early rounds has it’s benefits, always winning makes them little assholes.

Wipe of the blood, tell them you love them and send them right back out out there, repeat as necessary, eventually they figure it out.

[temeculaguy]

[quote=bearishgurl]Overall (Top 13 in County):

Scripps Ranch – SD Unified 883
Torrey Pines – San Dieguito 881
Coronado – Coronado Unified 872
Del Norte – Poway Unified 864
Westview – Poway Unified 860
San Marcos – San Marcos Un 859
San Dieguito – San Dieguito 854 tie
Poway – Poway Unified 854 tie
Bonita Vista – Sweetwater Un 851
La Jolla – SD Unified 849
Mira Mesa – SD Unified 846
Olympian – Sweetwater Union 845
Eastlake – Sweetwater Union 833

I didn’t look them all up so let me know if I missed anything here.[/quote]

South Temecula’s Great Oak H.S. got an 854, It’s one mile outside of S.D. county, stacked up fairly well in a three way tie with San Dieguito and Poway for the 7th best high school in San Diego County if it was in SD, not too shabby for us dirt people.

I did notice that the elem my kids went to was in the 900’s, the middle school in the high 8’s and the high school, mid 8’s. I ran some of the SD coveted districts, similar decline as the kids get older. I guess that is just further evidence that we get dumber as we age, I’m sure the trend continues after school, which explains a lot about my current mental state.

[temeculaguy]

[quote=bearishgurl]Overall (Top 13 in County):

Scripps Ranch – SD Unified 883
Torrey Pines – San Dieguito 881
Coronado – Coronado Unified 872
Del Norte – Poway Unified 864
Westview – Poway Unified 860
San Marcos – San Marcos Un 859
San Dieguito – San Dieguito 854 tie
Poway – Poway Unified 854 tie
Bonita Vista – Sweetwater Un 851
La Jolla – SD Unified 849
Mira Mesa – SD Unified 846
Olympian – Sweetwater Union 845
Eastlake – Sweetwater Union 833

I didn’t look them all up so let me know if I missed anything here.[/quote]

South Temecula’s Great Oak H.S. got an 854, It’s one mile outside of S.D. county, stacked up fairly well in a three way tie with San Dieguito and Poway for the 7th best high school in San Diego County if it was in SD, not too shabby for us dirt people.

I did notice that the elem my kids went to was in the 900’s, the middle school in the high 8’s and the high school, mid 8’s. I ran some of the SD coveted districts, similar decline as the kids get older. I guess that is just further evidence that we get dumber as we age, I’m sure the trend continues after school, which explains a lot about my current mental state.

[temeculaguy]

[quote=bearishgurl]Overall (Top 13 in County):

Scripps Ranch – SD Unified 883
Torrey Pines – San Dieguito 881
Coronado – Coronado Unified 872
Del Norte – Poway Unified 864
Westview – Poway Unified 860
San Marcos – San Marcos Un 859
San Dieguito – San Dieguito 854 tie
Poway – Poway Unified 854 tie
Bonita Vista – Sweetwater Un 851
La Jolla – SD Unified 849
Mira Mesa – SD Unified 846
Olympian – Sweetwater Union 845
Eastlake – Sweetwater Union 833

I didn’t look them all up so let me know if I missed anything here.[/quote]

South Temecula’s Great Oak H.S. got an 854, It’s one mile outside of S.D. county, stacked up fairly well in a three way tie with San Dieguito and Poway for the 7th best high school in San Diego County if it was in SD, not too shabby for us dirt people.

I did notice that the elem my kids went to was in the 900’s, the middle school in the high 8’s and the high school, mid 8’s. I ran some of the SD coveted districts, similar decline as the kids get older. I guess that is just further evidence that we get dumber as we age, I’m sure the trend continues after school, which explains a lot about my current mental state.

[temeculaguy]

[quote=bearishgurl]Overall (Top 13 in County):

Scripps Ranch – SD Unified 883
Torrey Pines – San Dieguito 881
Coronado – Coronado Unified 872
Del Norte – Poway Unified 864
Westview – Poway Unified 860
San Marcos – San Marcos Un 859
San Dieguito – San Dieguito 854 tie
Poway – Poway Unified 854 tie
Bonita Vista – Sweetwater Un 851
La Jolla – SD Unified 849
Mira Mesa – SD Unified 846
Olympian – Sweetwater Union 845
Eastlake – Sweetwater Union 833

I didn’t look them all up so let me know if I missed anything here.[/quote]

South Temecula’s Great Oak H.S. got an 854, It’s one mile outside of S.D. county, stacked up fairly well in a three way tie with San Dieguito and Poway for the 7th best high school in San Diego County if it was in SD, not too shabby for us dirt people.

I did notice that the elem my kids went to was in the 900’s, the middle school in the high 8’s and the high school, mid 8’s. I ran some of the SD coveted districts, similar decline as the kids get older. I guess that is just further evidence that we get dumber as we age, I’m sure the trend continues after school, which explains a lot about my current mental state.

[temeculaguy]

If you watch the video (not that he claimed to be a legal expert) it is supposed to be nearly a year before granite’s appeal will be heard. Also, a veteran of the commission stated he had never seen a project that garnered so much opposition and emotion. Local politics and campaign contributions work best when nobody is watching, this is the third rail now for the Board of Supervisors. I’m with paramount, it’s over, there will be other fights and that group will stay together, they will show up for the next fight and the next. They have been at it for a decade, Mrs. Hamilton and her S.O.S. group will soon notch their second victory in ten years, Sempra Energy was the first victim and now Granite. Environmentalists backed by universities and local government and townsfolk, not to mention the richest tribe in the state, they are more powerful than you think. I’ve said it for years, if the casino would have let me bet on this, I’d throw down retirement funds, the odds are better than the stock market anyways.

And here’s how this relates to housing and macroeconomics. Everything is on the mend up this way, tourism is up, the major developments have started up again and are building out the unfinished projects(wolf creek is finishing now, so is morgan hill, so is paseo del sol). Repos have tapered off and it’s the end of August, brown lawns are fairly rare (at least in the south where I drive around). I just got out of my PMI, appraisal shows I’m up 25% in value in under 3 years. My street of ten houses is down to only 2 pre-2008 owners. My arm is sore from patting myself on the back.

How did this happen, cause we ripped the band aid off. We went to crap before the moratoriums and bailouts and the low interest rates. We churned through more units than were purchased during the bubble, it stung like a muther %&&^$ for a while but then it got better. 50-60% drop in values in 18 months sucked, but the sooner the better. Housing became affordable, the new owners aren’t saddled with debt, the local economy is recovering and the city is flush with cash. I wish the federal government would have the luxury of hindsight in this little case study and let the invisible hand of economics take care of the rest of the country all at the same time. They wouldn’t have run up so big of a tab trying to slow down the inevitable and their fears turned out to not be such a bad thing had they just let it happen.

Before I get off my soapbox, paramount, see, no granite and the hospital is being built as I type, oh and that low income housing project near the hospital didn’t happen either. Just like I said a year or two ago, I feel cooler than the other side of the pillow.

[temeculaguy]

If you watch the video (not that he claimed to be a legal expert) it is supposed to be nearly a year before granite’s appeal will be heard. Also, a veteran of the commission stated he had never seen a project that garnered so much opposition and emotion. Local politics and campaign contributions work best when nobody is watching, this is the third rail now for the Board of Supervisors. I’m with paramount, it’s over, there will be other fights and that group will stay together, they will show up for the next fight and the next. They have been at it for a decade, Mrs. Hamilton and her S.O.S. group will soon notch their second victory in ten years, Sempra Energy was the first victim and now Granite. Environmentalists backed by universities and local government and townsfolk, not to mention the richest tribe in the state, they are more powerful than you think. I’ve said it for years, if the casino would have let me bet on this, I’d throw down retirement funds, the odds are better than the stock market anyways.

And here’s how this relates to housing and macroeconomics. Everything is on the mend up this way, tourism is up, the major developments have started up again and are building out the unfinished projects(wolf creek is finishing now, so is morgan hill, so is paseo del sol). Repos have tapered off and it’s the end of August, brown lawns are fairly rare (at least in the south where I drive around). I just got out of my PMI, appraisal shows I’m up 25% in value in under 3 years. My street of ten houses is down to only 2 pre-2008 owners. My arm is sore from patting myself on the back.

How did this happen, cause we ripped the band aid off. We went to crap before the moratoriums and bailouts and the low interest rates. We churned through more units than were purchased during the bubble, it stung like a muther %&&^$ for a while but then it got better. 50-60% drop in values in 18 months sucked, but the sooner the better. Housing became affordable, the new owners aren’t saddled with debt, the local economy is recovering and the city is flush with cash. I wish the federal government would have the luxury of hindsight in this little case study and let the invisible hand of economics take care of the rest of the country all at the same time. They wouldn’t have run up so big of a tab trying to slow down the inevitable and their fears turned out to not be such a bad thing had they just let it happen.

Before I get off my soapbox, paramount, see, no granite and the hospital is being built as I type, oh and that low income housing project near the hospital didn’t happen either. Just like I said a year or two ago, I feel cooler than the other side of the pillow.

[temeculaguy]

If you watch the video (not that he claimed to be a legal expert) it is supposed to be nearly a year before granite’s appeal will be heard. Also, a veteran of the commission stated he had never seen a project that garnered so much opposition and emotion. Local politics and campaign contributions work best when nobody is watching, this is the third rail now for the Board of Supervisors. I’m with paramount, it’s over, there will be other fights and that group will stay together, they will show up for the next fight and the next. They have been at it for a decade, Mrs. Hamilton and her S.O.S. group will soon notch their second victory in ten years, Sempra Energy was the first victim and now Granite. Environmentalists backed by universities and local government and townsfolk, not to mention the richest tribe in the state, they are more powerful than you think. I’ve said it for years, if the casino would have let me bet on this, I’d throw down retirement funds, the odds are better than the stock market anyways.

And here’s how this relates to housing and macroeconomics. Everything is on the mend up this way, tourism is up, the major developments have started up again and are building out the unfinished projects(wolf creek is finishing now, so is morgan hill, so is paseo del sol). Repos have tapered off and it’s the end of August, brown lawns are fairly rare (at least in the south where I drive around). I just got out of my PMI, appraisal shows I’m up 25% in value in under 3 years. My street of ten houses is down to only 2 pre-2008 owners. My arm is sore from patting myself on the back.

How did this happen, cause we ripped the band aid off. We went to crap before the moratoriums and bailouts and the low interest rates. We churned through more units than were purchased during the bubble, it stung like a muther %&&^$ for a while but then it got better. 50-60% drop in values in 18 months sucked, but the sooner the better. Housing became affordable, the new owners aren’t saddled with debt, the local economy is recovering and the city is flush with cash. I wish the federal government would have the luxury of hindsight in this little case study and let the invisible hand of economics take care of the rest of the country all at the same time. They wouldn’t have run up so big of a tab trying to slow down the inevitable and their fears turned out to not be such a bad thing had they just let it happen.

Before I get off my soapbox, paramount, see, no granite and the hospital is being built as I type, oh and that low income housing project near the hospital didn’t happen either. Just like I said a year or two ago, I feel cooler than the other side of the pillow.

[temeculaguy]

If you watch the video (not that he claimed to be a legal expert) it is supposed to be nearly a year before granite’s appeal will be heard. Also, a veteran of the commission stated he had never seen a project that garnered so much opposition and emotion. Local politics and campaign contributions work best when nobody is watching, this is the third rail now for the Board of Supervisors. I’m with paramount, it’s over, there will be other fights and that group will stay together, they will show up for the next fight and the next. They have been at it for a decade, Mrs. Hamilton and her S.O.S. group will soon notch their second victory in ten years, Sempra Energy was the first victim and now Granite. Environmentalists backed by universities and local government and townsfolk, not to mention the richest tribe in the state, they are more powerful than you think. I’ve said it for years, if the casino would have let me bet on this, I’d throw down retirement funds, the odds are better than the stock market anyways.

And here’s how this relates to housing and macroeconomics. Everything is on the mend up this way, tourism is up, the major developments have started up again and are building out the unfinished projects(wolf creek is finishing now, so is morgan hill, so is paseo del sol). Repos have tapered off and it’s the end of August, brown lawns are fairly rare (at least in the south where I drive around). I just got out of my PMI, appraisal shows I’m up 25% in value in under 3 years. My street of ten houses is down to only 2 pre-2008 owners. My arm is sore from patting myself on the back.

How did this happen, cause we ripped the band aid off. We went to crap before the moratoriums and bailouts and the low interest rates. We churned through more units than were purchased during the bubble, it stung like a muther %&&^$ for a while but then it got better. 50-60% drop in values in 18 months sucked, but the sooner the better. Housing became affordable, the new owners aren’t saddled with debt, the local economy is recovering and the city is flush with cash. I wish the federal government would have the luxury of hindsight in this little case study and let the invisible hand of economics take care of the rest of the country all at the same time. They wouldn’t have run up so big of a tab trying to slow down the inevitable and their fears turned out to not be such a bad thing had they just let it happen.

Before I get off my soapbox, paramount, see, no granite and the hospital is being built as I type, oh and that low income housing project near the hospital didn’t happen either. Just like I said a year or two ago, I feel cooler than the other side of the pillow.

[temeculaguy]

Car and jp, you guys love that squatters rent thing, I think that phase has passed. It’s a small sample, but of all the people I knew who got into trouble and ended up losing their homes, the glory days were the early days. When the banks were failing ad buying each other. When the government was panicking, when policy after policy was right around the corner. Moratorium after moratorium, scandal after scandal. I knew some who got a free ride for a year or two, I probably knew a dozen total who have lost their homes and all of it is in the rear view mirror now. It’s like any other disaster, initially it’s just triage and stabilize, but as time goes on and less enter the pipeline, things go back to normal.

That guy you quoted CAR says there are 44 million mortgages out there with 8% behind. So less than 4 million, but how many are 90 days behind? How many of those homes are vacant and in the short sale process, how many were investment properties that are not occupied? The total number that are squatting for years is going to be far less than half of the total, even at half (which I bet is way too high) were getting in the 1%, maybe 2% at best of the population. That’s not filling up the malls and driving the economy.

Back to the original idea, no intervention is always better, but there are many people left (far more than squatters) who have never been late on a payment, are still employed and are unable to refi because of LTV or self employed or any of the myriad of reasons. Which is why lowering the interest rate never has the desired effect of keeping people in their homes who are in the margins. What is the answer, I have no idea, compelling arguments on both sides have been made.

[temeculaguy]

Car and jp, you guys love that squatters rent thing, I think that phase has passed. It’s a small sample, but of all the people I knew who got into trouble and ended up losing their homes, the glory days were the early days. When the banks were failing ad buying each other. When the government was panicking, when policy after policy was right around the corner. Moratorium after moratorium, scandal after scandal. I knew some who got a free ride for a year or two, I probably knew a dozen total who have lost their homes and all of it is in the rear view mirror now. It’s like any other disaster, initially it’s just triage and stabilize, but as time goes on and less enter the pipeline, things go back to normal.

That guy you quoted CAR says there are 44 million mortgages out there with 8% behind. So less than 4 million, but how many are 90 days behind? How many of those homes are vacant and in the short sale process, how many were investment properties that are not occupied? The total number that are squatting for years is going to be far less than half of the total, even at half (which I bet is way too high) were getting in the 1%, maybe 2% at best of the population. That’s not filling up the malls and driving the economy.

Back to the original idea, no intervention is always better, but there are many people left (far more than squatters) who have never been late on a payment, are still employed and are unable to refi because of LTV or self employed or any of the myriad of reasons. Which is why lowering the interest rate never has the desired effect of keeping people in their homes who are in the margins. What is the answer, I have no idea, compelling arguments on both sides have been made.

[temeculaguy]

Car and jp, you guys love that squatters rent thing, I think that phase has passed. It’s a small sample, but of all the people I knew who got into trouble and ended up losing their homes, the glory days were the early days. When the banks were failing ad buying each other. When the government was panicking, when policy after policy was right around the corner. Moratorium after moratorium, scandal after scandal. I knew some who got a free ride for a year or two, I probably knew a dozen total who have lost their homes and all of it is in the rear view mirror now. It’s like any other disaster, initially it’s just triage and stabilize, but as time goes on and less enter the pipeline, things go back to normal.

That guy you quoted CAR says there are 44 million mortgages out there with 8% behind. So less than 4 million, but how many are 90 days behind? How many of those homes are vacant and in the short sale process, how many were investment properties that are not occupied? The total number that are squatting for years is going to be far less than half of the total, even at half (which I bet is way too high) were getting in the 1%, maybe 2% at best of the population. That’s not filling up the malls and driving the economy.

Back to the original idea, no intervention is always better, but there are many people left (far more than squatters) who have never been late on a payment, are still employed and are unable to refi because of LTV or self employed or any of the myriad of reasons. Which is why lowering the interest rate never has the desired effect of keeping people in their homes who are in the margins. What is the answer, I have no idea, compelling arguments on both sides have been made.

[temeculaguy]

Car and jp, you guys love that squatters rent thing, I think that phase has passed. It’s a small sample, but of all the people I knew who got into trouble and ended up losing their homes, the glory days were the early days. When the banks were failing ad buying each other. When the government was panicking, when policy after policy was right around the corner. Moratorium after moratorium, scandal after scandal. I knew some who got a free ride for a year or two, I probably knew a dozen total who have lost their homes and all of it is in the rear view mirror now. It’s like any other disaster, initially it’s just triage and stabilize, but as time goes on and less enter the pipeline, things go back to normal.

That guy you quoted CAR says there are 44 million mortgages out there with 8% behind. So less than 4 million, but how many are 90 days behind? How many of those homes are vacant and in the short sale process, how many were investment properties that are not occupied? The total number that are squatting for years is going to be far less than half of the total, even at half (which I bet is way too high) were getting in the 1%, maybe 2% at best of the population. That’s not filling up the malls and driving the economy.

Back to the original idea, no intervention is always better, but there are many people left (far more than squatters) who have never been late on a payment, are still employed and are unable to refi because of LTV or self employed or any of the myriad of reasons. Which is why lowering the interest rate never has the desired effect of keeping people in their homes who are in the margins. What is the answer, I have no idea, compelling arguments on both sides have been made.

[temeculaguy]

Car and jp, you guys love that squatters rent thing, I think that phase has passed. It’s a small sample, but of all the people I knew who got into trouble and ended up losing their homes, the glory days were the early days. When the banks were failing ad buying each other. When the government was panicking, when policy after policy was right around the corner. Moratorium after moratorium, scandal after scandal. I knew some who got a free ride for a year or two, I probably knew a dozen total who have lost their homes and all of it is in the rear view mirror now. It’s like any other disaster, initially it’s just triage and stabilize, but as time goes on and less enter the pipeline, things go back to normal.

That guy you quoted CAR says there are 44 million mortgages out there with 8% behind. So less than 4 million, but how many are 90 days behind? How many of those homes are vacant and in the short sale process, how many were investment properties that are not occupied? The total number that are squatting for years is going to be far less than half of the total, even at half (which I bet is way too high) were getting in the 1%, maybe 2% at best of the population. That’s not filling up the malls and driving the economy.

Back to the original idea, no intervention is always better, but there are many people left (far more than squatters) who have never been late on a payment, are still employed and are unable to refi because of LTV or self employed or any of the myriad of reasons. Which is why lowering the interest rate never has the desired effect of keeping people in their homes who are in the margins. What is the answer, I have no idea, compelling arguments on both sides have been made.

[temeculaguy]

The whole argument is over health care benefits. It’s going to be hard to get public support when most of the country is getting hosed with reduced benefits.

I’m sure it is different now, but when I was young I worked for a time at a grocery store. My mom worked at a hospital and she had to pay more for medical coverage than I did for collecting carts and bagging. I always found that odd.

I don’t want to beat a dead horse, raise your hand if you are ready for national health care, like every other 1st world country. Actually that wont help, Europe has way more strikes than we do, so if it’s not this, it will be something else.

[Author]

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