[temeculaguy]

Bear, I thought I’d bring you out of hibernation with this thread. I was kinda bummed after two cosecutive deals fell through in the last two weeks. I am dreading the interest rate hike and possible r/e bounce or lack of foreclosures from the bailout but now that it has happened, the stock market tanked and wall street has switched from “please save us” to “that is a nice start, give us more.” I am sure the market can’t be saved. You know as well as anyone that I don’t need to be talked into the long term benefits of the area, just thought I’d cash out since I met my goals, but I’ve reset my goals once again.

BTW, the KHOV morgan tract is going well below 450k. This one just listed for 319K, down from 810k and now $86 a square http://www.redfin.com/CA/Temecula/33965-Milat-92592/home/12508924

One of the nicest old school redhawk tracts, the jm peters rancho serrano, walking distance to the bar at redhawk, is reguarlary at 300k and just under $100 a square. http://www.redfin.com/CA/Temecula/45344-Camino-Monzon-92592/home/6253706

also happens to be one of two that got away from this week.

I don’t like vintage hills all that much but it is nice, this one popped up at $78 a square with a 4 car garage. http://www.redfin.com/CA/Temecula/41799-Camino-De-La-Torre-92592/home/6229791

your predictions are not that far off, but my e-mail of new listing from redfin today was almost exclusively in the 200’s.

While I didn’t get to play Pechanga’s course, my buddies went a few weeks back and loved it as well.

I haven’t formed an opinion just yet what the tent folding will do to the prices, less inventory is not always good. I’m convinced that I really need S.D. to begin it’s collapse to keep people from migrating since the gap has been widening, there are still 8-10 buyers on the day a place is listed when it is a premium place and priced right. In both the deals I lost (actually bowed out at certain points in the bidding war), my competition was not people facing foreclosure looking to downsize and let their previous place go, no were they zero down or investors. They were all over 20% down fence sitters from out of town, with income and solid credit, so there was no chance of them not qualifying. I theorized that there can’t be that many of them but other areas are not falling at the same pace so they keep showing up an peeing on my parade. I hope you are right about the $50 to $75 a square but I’m cool with $75-$90, the builders can’t build at those prices so we may see a contraction in inventory, which has not increased much in the last 12 months.

While I’m writing a novel, did you see “generation Kill” on HBO? It was made by the same crew that made “The Wire” and while I’m only on the third episode, it’s good stuff and fills the void the wire left in my life.

[temeculaguy]

Bear, I thought I’d bring you out of hibernation with this thread. I was kinda bummed after two cosecutive deals fell through in the last two weeks. I am dreading the interest rate hike and possible r/e bounce or lack of foreclosures from the bailout but now that it has happened, the stock market tanked and wall street has switched from “please save us” to “that is a nice start, give us more.” I am sure the market can’t be saved. You know as well as anyone that I don’t need to be talked into the long term benefits of the area, just thought I’d cash out since I met my goals, but I’ve reset my goals once again.

BTW, the KHOV morgan tract is going well below 450k. This one just listed for 319K, down from 810k and now $86 a square http://www.redfin.com/CA/Temecula/33965-Milat-92592/home/12508924

One of the nicest old school redhawk tracts, the jm peters rancho serrano, walking distance to the bar at redhawk, is reguarlary at 300k and just under $100 a square. http://www.redfin.com/CA/Temecula/45344-Camino-Monzon-92592/home/6253706

also happens to be one of two that got away from this week.

I don’t like vintage hills all that much but it is nice, this one popped up at $78 a square with a 4 car garage. http://www.redfin.com/CA/Temecula/41799-Camino-De-La-Torre-92592/home/6229791

your predictions are not that far off, but my e-mail of new listing from redfin today was almost exclusively in the 200’s.

While I didn’t get to play Pechanga’s course, my buddies went a few weeks back and loved it as well.

I haven’t formed an opinion just yet what the tent folding will do to the prices, less inventory is not always good. I’m convinced that I really need S.D. to begin it’s collapse to keep people from migrating since the gap has been widening, there are still 8-10 buyers on the day a place is listed when it is a premium place and priced right. In both the deals I lost (actually bowed out at certain points in the bidding war), my competition was not people facing foreclosure looking to downsize and let their previous place go, no were they zero down or investors. They were all over 20% down fence sitters from out of town, with income and solid credit, so there was no chance of them not qualifying. I theorized that there can’t be that many of them but other areas are not falling at the same pace so they keep showing up an peeing on my parade. I hope you are right about the $50 to $75 a square but I’m cool with $75-$90, the builders can’t build at those prices so we may see a contraction in inventory, which has not increased much in the last 12 months.

While I’m writing a novel, did you see “generation Kill” on HBO? It was made by the same crew that made “The Wire” and while I’m only on the third episode, it’s good stuff and fills the void the wire left in my life.

[temeculaguy]

Bear, I thought I’d bring you out of hibernation with this thread. I was kinda bummed after two cosecutive deals fell through in the last two weeks. I am dreading the interest rate hike and possible r/e bounce or lack of foreclosures from the bailout but now that it has happened, the stock market tanked and wall street has switched from “please save us” to “that is a nice start, give us more.” I am sure the market can’t be saved. You know as well as anyone that I don’t need to be talked into the long term benefits of the area, just thought I’d cash out since I met my goals, but I’ve reset my goals once again.

BTW, the KHOV morgan tract is going well below 450k. This one just listed for 319K, down from 810k and now $86 a square http://www.redfin.com/CA/Temecula/33965-Milat-92592/home/12508924

One of the nicest old school redhawk tracts, the jm peters rancho serrano, walking distance to the bar at redhawk, is reguarlary at 300k and just under $100 a square. http://www.redfin.com/CA/Temecula/45344-Camino-Monzon-92592/home/6253706

also happens to be one of two that got away from this week.

I don’t like vintage hills all that much but it is nice, this one popped up at $78 a square with a 4 car garage. http://www.redfin.com/CA/Temecula/41799-Camino-De-La-Torre-92592/home/6229791

your predictions are not that far off, but my e-mail of new listing from redfin today was almost exclusively in the 200’s.

While I didn’t get to play Pechanga’s course, my buddies went a few weeks back and loved it as well.

I haven’t formed an opinion just yet what the tent folding will do to the prices, less inventory is not always good. I’m convinced that I really need S.D. to begin it’s collapse to keep people from migrating since the gap has been widening, there are still 8-10 buyers on the day a place is listed when it is a premium place and priced right. In both the deals I lost (actually bowed out at certain points in the bidding war), my competition was not people facing foreclosure looking to downsize and let their previous place go, no were they zero down or investors. They were all over 20% down fence sitters from out of town, with income and solid credit, so there was no chance of them not qualifying. I theorized that there can’t be that many of them but other areas are not falling at the same pace so they keep showing up an peeing on my parade. I hope you are right about the $50 to $75 a square but I’m cool with $75-$90, the builders can’t build at those prices so we may see a contraction in inventory, which has not increased much in the last 12 months.

While I’m writing a novel, did you see “generation Kill” on HBO? It was made by the same crew that made “The Wire” and while I’m only on the third episode, it’s good stuff and fills the void the wire left in my life.

[temeculaguy]

Bear, I thought I’d bring you out of hibernation with this thread. I was kinda bummed after two cosecutive deals fell through in the last two weeks. I am dreading the interest rate hike and possible r/e bounce or lack of foreclosures from the bailout but now that it has happened, the stock market tanked and wall street has switched from “please save us” to “that is a nice start, give us more.” I am sure the market can’t be saved. You know as well as anyone that I don’t need to be talked into the long term benefits of the area, just thought I’d cash out since I met my goals, but I’ve reset my goals once again.

BTW, the KHOV morgan tract is going well below 450k. This one just listed for 319K, down from 810k and now $86 a square http://www.redfin.com/CA/Temecula/33965-Milat-92592/home/12508924

One of the nicest old school redhawk tracts, the jm peters rancho serrano, walking distance to the bar at redhawk, is reguarlary at 300k and just under $100 a square. http://www.redfin.com/CA/Temecula/45344-Camino-Monzon-92592/home/6253706

also happens to be one of two that got away from this week.

I don’t like vintage hills all that much but it is nice, this one popped up at $78 a square with a 4 car garage. http://www.redfin.com/CA/Temecula/41799-Camino-De-La-Torre-92592/home/6229791

your predictions are not that far off, but my e-mail of new listing from redfin today was almost exclusively in the 200’s.

While I didn’t get to play Pechanga’s course, my buddies went a few weeks back and loved it as well.

I haven’t formed an opinion just yet what the tent folding will do to the prices, less inventory is not always good. I’m convinced that I really need S.D. to begin it’s collapse to keep people from migrating since the gap has been widening, there are still 8-10 buyers on the day a place is listed when it is a premium place and priced right. In both the deals I lost (actually bowed out at certain points in the bidding war), my competition was not people facing foreclosure looking to downsize and let their previous place go, no were they zero down or investors. They were all over 20% down fence sitters from out of town, with income and solid credit, so there was no chance of them not qualifying. I theorized that there can’t be that many of them but other areas are not falling at the same pace so they keep showing up an peeing on my parade. I hope you are right about the $50 to $75 a square but I’m cool with $75-$90, the builders can’t build at those prices so we may see a contraction in inventory, which has not increased much in the last 12 months.

While I’m writing a novel, did you see “generation Kill” on HBO? It was made by the same crew that made “The Wire” and while I’m only on the third episode, it’s good stuff and fills the void the wire left in my life.

[temeculaguy]

peter, hopefully your plan was tounge and cheek, that is not a path that a piggy would take. We can all do that, we can also all rob a bank, we can swindle old ladies, but we don’t. We are proud economic geeks who enjoy playing and winning the game in a way that we can look at ourselves in the mirror or our children in the eyes and be proud. We consoled each other while we rented or stayed in small homes, refusing the toxic mortgages, knowing affordability would return and in the end, our pride in our home will be greater than the neg am zero down borrower, because anything good requires sacrifice to enjoy.

O.K. I’m off my soapbox

I did hear today from a lender that fannie/freddie/fha and others are onto the scam of buying a new home at todays prices under the premise that you rent out the current upside down house and then after moving, letting the upside down house go, with a low and protected interest rate on the new house and no need for a good credt score anymore. Supposedly they are denying the loans en masse when it involves renting out the current home unless there is equity in it.

Also, there is no way to get the wife “at arms length” even if the house and loan is only in one spouse’s name, community property and community credit. You could divorce her on paper then go into default as an individual but my guess is that few women will agree to a paper divorce to preserve credit because they will suspect you are just looking for an easy divorce with no court battle or alimony. Since alimony can never be renegotiated after the ink is dry (child support can but not alimony or asset division) I imagine there will be a few news stories of one spouse duping the other and you won’t see this happen very much after that. Come to think of it, it is kinda ingenious.

[temeculaguy]

peter, hopefully your plan was tounge and cheek, that is not a path that a piggy would take. We can all do that, we can also all rob a bank, we can swindle old ladies, but we don’t. We are proud economic geeks who enjoy playing and winning the game in a way that we can look at ourselves in the mirror or our children in the eyes and be proud. We consoled each other while we rented or stayed in small homes, refusing the toxic mortgages, knowing affordability would return and in the end, our pride in our home will be greater than the neg am zero down borrower, because anything good requires sacrifice to enjoy.

O.K. I’m off my soapbox

I did hear today from a lender that fannie/freddie/fha and others are onto the scam of buying a new home at todays prices under the premise that you rent out the current upside down house and then after moving, letting the upside down house go, with a low and protected interest rate on the new house and no need for a good credt score anymore. Supposedly they are denying the loans en masse when it involves renting out the current home unless there is equity in it.

Also, there is no way to get the wife “at arms length” even if the house and loan is only in one spouse’s name, community property and community credit. You could divorce her on paper then go into default as an individual but my guess is that few women will agree to a paper divorce to preserve credit because they will suspect you are just looking for an easy divorce with no court battle or alimony. Since alimony can never be renegotiated after the ink is dry (child support can but not alimony or asset division) I imagine there will be a few news stories of one spouse duping the other and you won’t see this happen very much after that. Come to think of it, it is kinda ingenious.

[temeculaguy]

peter, hopefully your plan was tounge and cheek, that is not a path that a piggy would take. We can all do that, we can also all rob a bank, we can swindle old ladies, but we don’t. We are proud economic geeks who enjoy playing and winning the game in a way that we can look at ourselves in the mirror or our children in the eyes and be proud. We consoled each other while we rented or stayed in small homes, refusing the toxic mortgages, knowing affordability would return and in the end, our pride in our home will be greater than the neg am zero down borrower, because anything good requires sacrifice to enjoy.

O.K. I’m off my soapbox

I did hear today from a lender that fannie/freddie/fha and others are onto the scam of buying a new home at todays prices under the premise that you rent out the current upside down house and then after moving, letting the upside down house go, with a low and protected interest rate on the new house and no need for a good credt score anymore. Supposedly they are denying the loans en masse when it involves renting out the current home unless there is equity in it.

Also, there is no way to get the wife “at arms length” even if the house and loan is only in one spouse’s name, community property and community credit. You could divorce her on paper then go into default as an individual but my guess is that few women will agree to a paper divorce to preserve credit because they will suspect you are just looking for an easy divorce with no court battle or alimony. Since alimony can never be renegotiated after the ink is dry (child support can but not alimony or asset division) I imagine there will be a few news stories of one spouse duping the other and you won’t see this happen very much after that. Come to think of it, it is kinda ingenious.

[temeculaguy]

peter, hopefully your plan was tounge and cheek, that is not a path that a piggy would take. We can all do that, we can also all rob a bank, we can swindle old ladies, but we don’t. We are proud economic geeks who enjoy playing and winning the game in a way that we can look at ourselves in the mirror or our children in the eyes and be proud. We consoled each other while we rented or stayed in small homes, refusing the toxic mortgages, knowing affordability would return and in the end, our pride in our home will be greater than the neg am zero down borrower, because anything good requires sacrifice to enjoy.

O.K. I’m off my soapbox

I did hear today from a lender that fannie/freddie/fha and others are onto the scam of buying a new home at todays prices under the premise that you rent out the current upside down house and then after moving, letting the upside down house go, with a low and protected interest rate on the new house and no need for a good credt score anymore. Supposedly they are denying the loans en masse when it involves renting out the current home unless there is equity in it.

Also, there is no way to get the wife “at arms length” even if the house and loan is only in one spouse’s name, community property and community credit. You could divorce her on paper then go into default as an individual but my guess is that few women will agree to a paper divorce to preserve credit because they will suspect you are just looking for an easy divorce with no court battle or alimony. Since alimony can never be renegotiated after the ink is dry (child support can but not alimony or asset division) I imagine there will be a few news stories of one spouse duping the other and you won’t see this happen very much after that. Come to think of it, it is kinda ingenious.

[temeculaguy]

peter, hopefully your plan was tounge and cheek, that is not a path that a piggy would take. We can all do that, we can also all rob a bank, we can swindle old ladies, but we don’t. We are proud economic geeks who enjoy playing and winning the game in a way that we can look at ourselves in the mirror or our children in the eyes and be proud. We consoled each other while we rented or stayed in small homes, refusing the toxic mortgages, knowing affordability would return and in the end, our pride in our home will be greater than the neg am zero down borrower, because anything good requires sacrifice to enjoy.

O.K. I’m off my soapbox

I did hear today from a lender that fannie/freddie/fha and others are onto the scam of buying a new home at todays prices under the premise that you rent out the current upside down house and then after moving, letting the upside down house go, with a low and protected interest rate on the new house and no need for a good credt score anymore. Supposedly they are denying the loans en masse when it involves renting out the current home unless there is equity in it.

Also, there is no way to get the wife “at arms length” even if the house and loan is only in one spouse’s name, community property and community credit. You could divorce her on paper then go into default as an individual but my guess is that few women will agree to a paper divorce to preserve credit because they will suspect you are just looking for an easy divorce with no court battle or alimony. Since alimony can never be renegotiated after the ink is dry (child support can but not alimony or asset division) I imagine there will be a few news stories of one spouse duping the other and you won’t see this happen very much after that. Come to think of it, it is kinda ingenious.

[temeculaguy]

Has anyone ever read the fine print on principal write downs for current reworks, fdic run banks like indymac and the proposals floating in the legislature. They aren’t what you think, they don’t forgive the loan, they “write down” the loan for purposes of determining the payment but they don’t actually forgive it, when you sell, transfer or refi, they get that back. It’s a modified way to contnue a teaser rate or having a silent partner. The FHA sponsored stuff actually gives the forgiver their original money back and a cut of any profit. They also prohibit helocs, forever.

It will keep a roof over your head but that is about it. Let’s see, you pay someone a mortgage payment and when you leave, you get nothing, that smells a lot like renting except you get a tax deduction yet pay a higher payment over rent. Here is a scenario, FB pays 600k zero down, neg am, balance is 625 and enter some write down program. Their mort should have gone from 2800 to 5000 but the rework bases the loan on the current value of 350k and they pay about 2500 piti, usually .38 of their income in typical reworks. Then after ten years, they have paid down about 50k, price comes back to 650, after realtor fees and closing they clear 600, principal is 300k and rework holdback is 275k, lender gets the 575k in it’s entirety and they walk with 25k for ten years of paying too much for rent and all the maintenance. That is if it gets back to 650k. If it goes to 750k, bank gets half of the 100k profit, which offsets ten years of no interest on the 275k and the borrower walks with 75k but houses cost 750k.

It would actually be better to walk away or buy a place for 350k, walk away from the old and when and if things return just like the previous scenario, you are up 250-350k after fees. Or just walk away, rent for a year or two, buy a 350k house with fha 3 1/2 down and reap the actual rewards. Reworks are debtors prisons, much better for the lender than the fb, and that is why it wont work. So don’t get your panties in a bunch about all this forgiveness.

[temeculaguy]

Has anyone ever read the fine print on principal write downs for current reworks, fdic run banks like indymac and the proposals floating in the legislature. They aren’t what you think, they don’t forgive the loan, they “write down” the loan for purposes of determining the payment but they don’t actually forgive it, when you sell, transfer or refi, they get that back. It’s a modified way to contnue a teaser rate or having a silent partner. The FHA sponsored stuff actually gives the forgiver their original money back and a cut of any profit. They also prohibit helocs, forever.

It will keep a roof over your head but that is about it. Let’s see, you pay someone a mortgage payment and when you leave, you get nothing, that smells a lot like renting except you get a tax deduction yet pay a higher payment over rent. Here is a scenario, FB pays 600k zero down, neg am, balance is 625 and enter some write down program. Their mort should have gone from 2800 to 5000 but the rework bases the loan on the current value of 350k and they pay about 2500 piti, usually .38 of their income in typical reworks. Then after ten years, they have paid down about 50k, price comes back to 650, after realtor fees and closing they clear 600, principal is 300k and rework holdback is 275k, lender gets the 575k in it’s entirety and they walk with 25k for ten years of paying too much for rent and all the maintenance. That is if it gets back to 650k. If it goes to 750k, bank gets half of the 100k profit, which offsets ten years of no interest on the 275k and the borrower walks with 75k but houses cost 750k.

It would actually be better to walk away or buy a place for 350k, walk away from the old and when and if things return just like the previous scenario, you are up 250-350k after fees. Or just walk away, rent for a year or two, buy a 350k house with fha 3 1/2 down and reap the actual rewards. Reworks are debtors prisons, much better for the lender than the fb, and that is why it wont work. So don’t get your panties in a bunch about all this forgiveness.

[temeculaguy]

Has anyone ever read the fine print on principal write downs for current reworks, fdic run banks like indymac and the proposals floating in the legislature. They aren’t what you think, they don’t forgive the loan, they “write down” the loan for purposes of determining the payment but they don’t actually forgive it, when you sell, transfer or refi, they get that back. It’s a modified way to contnue a teaser rate or having a silent partner. The FHA sponsored stuff actually gives the forgiver their original money back and a cut of any profit. They also prohibit helocs, forever.

It will keep a roof over your head but that is about it. Let’s see, you pay someone a mortgage payment and when you leave, you get nothing, that smells a lot like renting except you get a tax deduction yet pay a higher payment over rent. Here is a scenario, FB pays 600k zero down, neg am, balance is 625 and enter some write down program. Their mort should have gone from 2800 to 5000 but the rework bases the loan on the current value of 350k and they pay about 2500 piti, usually .38 of their income in typical reworks. Then after ten years, they have paid down about 50k, price comes back to 650, after realtor fees and closing they clear 600, principal is 300k and rework holdback is 275k, lender gets the 575k in it’s entirety and they walk with 25k for ten years of paying too much for rent and all the maintenance. That is if it gets back to 650k. If it goes to 750k, bank gets half of the 100k profit, which offsets ten years of no interest on the 275k and the borrower walks with 75k but houses cost 750k.

It would actually be better to walk away or buy a place for 350k, walk away from the old and when and if things return just like the previous scenario, you are up 250-350k after fees. Or just walk away, rent for a year or two, buy a 350k house with fha 3 1/2 down and reap the actual rewards. Reworks are debtors prisons, much better for the lender than the fb, and that is why it wont work. So don’t get your panties in a bunch about all this forgiveness.

[temeculaguy]

Has anyone ever read the fine print on principal write downs for current reworks, fdic run banks like indymac and the proposals floating in the legislature. They aren’t what you think, they don’t forgive the loan, they “write down” the loan for purposes of determining the payment but they don’t actually forgive it, when you sell, transfer or refi, they get that back. It’s a modified way to contnue a teaser rate or having a silent partner. The FHA sponsored stuff actually gives the forgiver their original money back and a cut of any profit. They also prohibit helocs, forever.

It will keep a roof over your head but that is about it. Let’s see, you pay someone a mortgage payment and when you leave, you get nothing, that smells a lot like renting except you get a tax deduction yet pay a higher payment over rent. Here is a scenario, FB pays 600k zero down, neg am, balance is 625 and enter some write down program. Their mort should have gone from 2800 to 5000 but the rework bases the loan on the current value of 350k and they pay about 2500 piti, usually .38 of their income in typical reworks. Then after ten years, they have paid down about 50k, price comes back to 650, after realtor fees and closing they clear 600, principal is 300k and rework holdback is 275k, lender gets the 575k in it’s entirety and they walk with 25k for ten years of paying too much for rent and all the maintenance. That is if it gets back to 650k. If it goes to 750k, bank gets half of the 100k profit, which offsets ten years of no interest on the 275k and the borrower walks with 75k but houses cost 750k.

It would actually be better to walk away or buy a place for 350k, walk away from the old and when and if things return just like the previous scenario, you are up 250-350k after fees. Or just walk away, rent for a year or two, buy a 350k house with fha 3 1/2 down and reap the actual rewards. Reworks are debtors prisons, much better for the lender than the fb, and that is why it wont work. So don’t get your panties in a bunch about all this forgiveness.

[temeculaguy]

Has anyone ever read the fine print on principal write downs for current reworks, fdic run banks like indymac and the proposals floating in the legislature. They aren’t what you think, they don’t forgive the loan, they “write down” the loan for purposes of determining the payment but they don’t actually forgive it, when you sell, transfer or refi, they get that back. It’s a modified way to contnue a teaser rate or having a silent partner. The FHA sponsored stuff actually gives the forgiver their original money back and a cut of any profit. They also prohibit helocs, forever.

It will keep a roof over your head but that is about it. Let’s see, you pay someone a mortgage payment and when you leave, you get nothing, that smells a lot like renting except you get a tax deduction yet pay a higher payment over rent. Here is a scenario, FB pays 600k zero down, neg am, balance is 625 and enter some write down program. Their mort should have gone from 2800 to 5000 but the rework bases the loan on the current value of 350k and they pay about 2500 piti, usually .38 of their income in typical reworks. Then after ten years, they have paid down about 50k, price comes back to 650, after realtor fees and closing they clear 600, principal is 300k and rework holdback is 275k, lender gets the 575k in it’s entirety and they walk with 25k for ten years of paying too much for rent and all the maintenance. That is if it gets back to 650k. If it goes to 750k, bank gets half of the 100k profit, which offsets ten years of no interest on the 275k and the borrower walks with 75k but houses cost 750k.

It would actually be better to walk away or buy a place for 350k, walk away from the old and when and if things return just like the previous scenario, you are up 250-350k after fees. Or just walk away, rent for a year or two, buy a 350k house with fha 3 1/2 down and reap the actual rewards. Reworks are debtors prisons, much better for the lender than the fb, and that is why it wont work. So don’t get your panties in a bunch about all this forgiveness.

[temeculaguy]

Divorce is complicated and all situations are different but this is about the worse case scenario. More than likely they will lose the place because they will each be living on half their income now since he will be paying alimony and child support to the tune of half or more. It is doubtful either can swing the place with a 50% cut in pay. California does not recognize individual income, the family income is what it is and it gets divided based on a number of factors. If the divorce is contested the legal fees can exceed 40k. Marriage is grand, divorce is 40 grand.

Staying with her until the kid gets older and she starts working is the only way to fly, divorcing a stay at home mom will leave him with barely enough to eat on, let alone pay a mortgage.

A place in San Diego purchased in 2006 is toast for a decade, so hanging on for a year or two won’t help, that downpayment is gone even if they stay together.

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