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February 4, 2009 at 9:19 PM in reply to: Senate OKs $15,000 tax break for homebuyers – I believe investors too eligible for this tax credit #341313February 4, 2009 at 9:19 PM in reply to: Senate OKs $15,000 tax break for homebuyers – I believe investors too eligible for this tax credit #341416
temeculaguy
ParticipantWhat is the income ceiling? The current $7,500 credit phases out at 75k for singles and 150k for couples. If it follows the same formula it will help most of the country but so cal will get the shaft again.
February 4, 2009 at 9:19 PM in reply to: Senate OKs $15,000 tax break for homebuyers – I believe investors too eligible for this tax credit #341443ParticipantWhat is the income ceiling? The current $7,500 credit phases out at 75k for singles and 150k for couples. If it follows the same formula it will help most of the country but so cal will get the shaft again.
February 4, 2009 at 9:19 PM in reply to: Senate OKs $15,000 tax break for homebuyers – I believe investors too eligible for this tax credit #341537ParticipantWhat is the income ceiling? The current $7,500 credit phases out at 75k for singles and 150k for couples. If it follows the same formula it will help most of the country but so cal will get the shaft again.
Participantgood work eclipxe, now let’s talk about that prenup. Forget I said that, go for broke, spending all your time and money on a house only to donate it to your ex wife was an educational experience in hindsight. I wouldn’t want you to miss out on any of life’s lessons since you are quite the student and off to a great start.
Break it down to what you need to do and what would be nice to do, if your appliances are the wrong color but work, leave them for now. If the sprinklers are broken, fix them now. You will find that time, energy and money all go too fast when taking on a repo. Try to do everything with cash, don’t borrow for repairs or upgrades, pospone them before borrowing. I’m at about the 45 day mark and I am pooped, I need a week off from working on the house.
Regarding the 3.5 or 5% down loans, the VA (0%) and FHA (3.5%) have always done them, they cost a little more but they are full doc and have never been the cause of any bubbles, they have limitations on price and inspection requirements, impound requirements but are the right thing for many young buyers, always have been, my first loan some 20 years ago was fha and I have no regrets.
The best thing you did eclipxe was 3x income purchase price, not 3x income counting your future spouse’s income but straight up 3x your income. This will give you the flexibility to not need two incomes and when it is time to make babies, you will apreciate a fixed payment that you can cover by yourself and a house that you wont outgrow. In this market you shouldn’t buy unless it is affordable and all you will need for at least ten years, the ability to “move-up” is gone for now.
You done good, grasshopper.
Participantgood work eclipxe, now let’s talk about that prenup. Forget I said that, go for broke, spending all your time and money on a house only to donate it to your ex wife was an educational experience in hindsight. I wouldn’t want you to miss out on any of life’s lessons since you are quite the student and off to a great start.
Break it down to what you need to do and what would be nice to do, if your appliances are the wrong color but work, leave them for now. If the sprinklers are broken, fix them now. You will find that time, energy and money all go too fast when taking on a repo. Try to do everything with cash, don’t borrow for repairs or upgrades, pospone them before borrowing. I’m at about the 45 day mark and I am pooped, I need a week off from working on the house.
Regarding the 3.5 or 5% down loans, the VA (0%) and FHA (3.5%) have always done them, they cost a little more but they are full doc and have never been the cause of any bubbles, they have limitations on price and inspection requirements, impound requirements but are the right thing for many young buyers, always have been, my first loan some 20 years ago was fha and I have no regrets.
The best thing you did eclipxe was 3x income purchase price, not 3x income counting your future spouse’s income but straight up 3x your income. This will give you the flexibility to not need two incomes and when it is time to make babies, you will apreciate a fixed payment that you can cover by yourself and a house that you wont outgrow. In this market you shouldn’t buy unless it is affordable and all you will need for at least ten years, the ability to “move-up” is gone for now.
You done good, grasshopper.
Participantgood work eclipxe, now let’s talk about that prenup. Forget I said that, go for broke, spending all your time and money on a house only to donate it to your ex wife was an educational experience in hindsight. I wouldn’t want you to miss out on any of life’s lessons since you are quite the student and off to a great start.
Break it down to what you need to do and what would be nice to do, if your appliances are the wrong color but work, leave them for now. If the sprinklers are broken, fix them now. You will find that time, energy and money all go too fast when taking on a repo. Try to do everything with cash, don’t borrow for repairs or upgrades, pospone them before borrowing. I’m at about the 45 day mark and I am pooped, I need a week off from working on the house.
Regarding the 3.5 or 5% down loans, the VA (0%) and FHA (3.5%) have always done them, they cost a little more but they are full doc and have never been the cause of any bubbles, they have limitations on price and inspection requirements, impound requirements but are the right thing for many young buyers, always have been, my first loan some 20 years ago was fha and I have no regrets.
The best thing you did eclipxe was 3x income purchase price, not 3x income counting your future spouse’s income but straight up 3x your income. This will give you the flexibility to not need two incomes and when it is time to make babies, you will apreciate a fixed payment that you can cover by yourself and a house that you wont outgrow. In this market you shouldn’t buy unless it is affordable and all you will need for at least ten years, the ability to “move-up” is gone for now.
You done good, grasshopper.
Participantgood work eclipxe, now let’s talk about that prenup. Forget I said that, go for broke, spending all your time and money on a house only to donate it to your ex wife was an educational experience in hindsight. I wouldn’t want you to miss out on any of life’s lessons since you are quite the student and off to a great start.
Break it down to what you need to do and what would be nice to do, if your appliances are the wrong color but work, leave them for now. If the sprinklers are broken, fix them now. You will find that time, energy and money all go too fast when taking on a repo. Try to do everything with cash, don’t borrow for repairs or upgrades, pospone them before borrowing. I’m at about the 45 day mark and I am pooped, I need a week off from working on the house.
Regarding the 3.5 or 5% down loans, the VA (0%) and FHA (3.5%) have always done them, they cost a little more but they are full doc and have never been the cause of any bubbles, they have limitations on price and inspection requirements, impound requirements but are the right thing for many young buyers, always have been, my first loan some 20 years ago was fha and I have no regrets.
The best thing you did eclipxe was 3x income purchase price, not 3x income counting your future spouse’s income but straight up 3x your income. This will give you the flexibility to not need two incomes and when it is time to make babies, you will apreciate a fixed payment that you can cover by yourself and a house that you wont outgrow. In this market you shouldn’t buy unless it is affordable and all you will need for at least ten years, the ability to “move-up” is gone for now.
You done good, grasshopper.
Participantgood work eclipxe, now let’s talk about that prenup. Forget I said that, go for broke, spending all your time and money on a house only to donate it to your ex wife was an educational experience in hindsight. I wouldn’t want you to miss out on any of life’s lessons since you are quite the student and off to a great start.
Break it down to what you need to do and what would be nice to do, if your appliances are the wrong color but work, leave them for now. If the sprinklers are broken, fix them now. You will find that time, energy and money all go too fast when taking on a repo. Try to do everything with cash, don’t borrow for repairs or upgrades, pospone them before borrowing. I’m at about the 45 day mark and I am pooped, I need a week off from working on the house.
Regarding the 3.5 or 5% down loans, the VA (0%) and FHA (3.5%) have always done them, they cost a little more but they are full doc and have never been the cause of any bubbles, they have limitations on price and inspection requirements, impound requirements but are the right thing for many young buyers, always have been, my first loan some 20 years ago was fha and I have no regrets.
The best thing you did eclipxe was 3x income purchase price, not 3x income counting your future spouse’s income but straight up 3x your income. This will give you the flexibility to not need two incomes and when it is time to make babies, you will apreciate a fixed payment that you can cover by yourself and a house that you wont outgrow. In this market you shouldn’t buy unless it is affordable and all you will need for at least ten years, the ability to “move-up” is gone for now.
You done good, grasshopper.
ParticipantAge of the driver is probably the dominant factor, Very few 19 year olds driving Buicks and very few 60 year olds driving Scions. Ticketing is different with the aid of technology, the days of red sports cars getting the attention of the cops are over. Those cars on the list aren’t being singled out by the cops, the folks that buy those cars are more likely to speed and those cars posess the ability to go faster. When you see a cop parked waiting for speeders he doesn’t even watch the road most of the time, the radar unit is programmed to sound an alarm when a car goes by at a certain speed, modern units can track all cars in either direction, even when the cop car is moving, they can track the speed of oncoming traffic as well. When one goes by at a speed that it is set at (ie. 80 on the freeway or 40 on residential) the alarm goes off, cop looks up and the ticket gets issued. Get whatever car you want, just don’t speed and you will be fine.
ParticipantAge of the driver is probably the dominant factor, Very few 19 year olds driving Buicks and very few 60 year olds driving Scions. Ticketing is different with the aid of technology, the days of red sports cars getting the attention of the cops are over. Those cars on the list aren’t being singled out by the cops, the folks that buy those cars are more likely to speed and those cars posess the ability to go faster. When you see a cop parked waiting for speeders he doesn’t even watch the road most of the time, the radar unit is programmed to sound an alarm when a car goes by at a certain speed, modern units can track all cars in either direction, even when the cop car is moving, they can track the speed of oncoming traffic as well. When one goes by at a speed that it is set at (ie. 80 on the freeway or 40 on residential) the alarm goes off, cop looks up and the ticket gets issued. Get whatever car you want, just don’t speed and you will be fine.
ParticipantAge of the driver is probably the dominant factor, Very few 19 year olds driving Buicks and very few 60 year olds driving Scions. Ticketing is different with the aid of technology, the days of red sports cars getting the attention of the cops are over. Those cars on the list aren’t being singled out by the cops, the folks that buy those cars are more likely to speed and those cars posess the ability to go faster. When you see a cop parked waiting for speeders he doesn’t even watch the road most of the time, the radar unit is programmed to sound an alarm when a car goes by at a certain speed, modern units can track all cars in either direction, even when the cop car is moving, they can track the speed of oncoming traffic as well. When one goes by at a speed that it is set at (ie. 80 on the freeway or 40 on residential) the alarm goes off, cop looks up and the ticket gets issued. Get whatever car you want, just don’t speed and you will be fine.
ParticipantAge of the driver is probably the dominant factor, Very few 19 year olds driving Buicks and very few 60 year olds driving Scions. Ticketing is different with the aid of technology, the days of red sports cars getting the attention of the cops are over. Those cars on the list aren’t being singled out by the cops, the folks that buy those cars are more likely to speed and those cars posess the ability to go faster. When you see a cop parked waiting for speeders he doesn’t even watch the road most of the time, the radar unit is programmed to sound an alarm when a car goes by at a certain speed, modern units can track all cars in either direction, even when the cop car is moving, they can track the speed of oncoming traffic as well. When one goes by at a speed that it is set at (ie. 80 on the freeway or 40 on residential) the alarm goes off, cop looks up and the ticket gets issued. Get whatever car you want, just don’t speed and you will be fine.
ParticipantAge of the driver is probably the dominant factor, Very few 19 year olds driving Buicks and very few 60 year olds driving Scions. Ticketing is different with the aid of technology, the days of red sports cars getting the attention of the cops are over. Those cars on the list aren’t being singled out by the cops, the folks that buy those cars are more likely to speed and those cars posess the ability to go faster. When you see a cop parked waiting for speeders he doesn’t even watch the road most of the time, the radar unit is programmed to sound an alarm when a car goes by at a certain speed, modern units can track all cars in either direction, even when the cop car is moving, they can track the speed of oncoming traffic as well. When one goes by at a speed that it is set at (ie. 80 on the freeway or 40 on residential) the alarm goes off, cop looks up and the ticket gets issued. Get whatever car you want, just don’t speed and you will be fine.
ParticipantPablo, I haven’t tried their cab yet, I also saw it for the first time at Ralph’s recently. You are exactly right, after Costco blows the floor off something, it’s hard to break out $19 on sale when you know the everyday price is $13 at costco, hopefully costco will get the cab. Cabs sometimes have a higher price but their merlot was the same price or close at Ralphs. It’s not the money as much as the fear of liking it more and then not having a steady, cheap supply. I try to only get hooked on costco wines for daily drink since it probably equals my food budget.
Josh, nice finds, it’s funny how the costco stores vary so much from store to store, even if it is random it works as a marketing strategy at least on me, I regularly pop in a different store if I’m in the area just to check out what they have. I’d join you in the case buying but my wine cellar fridge thing is packed, I need a bigger one before I buy anything more that needs to lay down.
Regarding the mention of aging two buck chuck, while most cheaper wines are designed to drink and not age, a few years in a cupboard will kill anything, regardless of price. Room temperature is the enemy, so is a regular fridge. Very hard to find a place in so cal that maintains a room temp in the 60’s year round so that you can store for years without some mechanical intervention. I have friends that have converted a closet and installed an a/c type unit in them so they are much larger and cheaper than freestanding cellars. Except ports, they were invented to withstand the long and sometimes warm journey from Portugal to England, think of them as wine’s version of beef jerky, come to think of it, both are awesome inventions.
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