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March 2, 2010 at 8:48 AM in reply to: The Internet may not have had the impact we all thought it would on housing #520258March 2, 2010 at 8:48 AM in reply to: The Internet may not have had the impact we all thought it would on housing #520349
UCGal
ParticipantSome random thoughts here…
I think sdrealtor has a point – as GOOD properties get more visibility, the price is driven up. As mentioned, kind of an ebay effect. Properties that have issues might get a slight bump – since the good properties act as comps.
As a woman who has purchased 3 houses – and was actively looking, and didn’t buy in another time – I used a full service realtor for 3 of these four searches. And I drove those realtor nuts. The first two times were in 1990 in WA state, and 1993 in PA. I drove the realtors nuts because I had a strict budget (far less than I qualified for) and wanted to see LOTS of properties. I was looking at older houses so I’d head to the basement first – to see the panel box. If it was old fuse style – with lots of DIY wiring, I’d walk right out of the house. Not a typical single female purchaser.
By 2000 I was married, expecting, and looking for a bigger house. Again, I wanted to see EVERYTHING – driving my realtor nuts. At the time realtor.com was big – and I’d call my realtor with listings that she hadn’t heard about. We ended up moving back to CA rather than buying… but it was an 8 month looking process. If we’d found the “just right” house, we would have bought it and stayed there.
The most recent purchase, in 2003, was a family purchase – no realtors, just a title/escrow company. So it doesn’t count.
I agree that in married couples – women drive the purchase decisions. But not all women are swayed by petunias and granite counters… Some ARE capable of looking at infrastructure and maintenance issues.
March 2, 2010 at 8:48 AM in reply to: The Internet may not have had the impact we all thought it would on housing #520606ParticipantSome random thoughts here…
I think sdrealtor has a point – as GOOD properties get more visibility, the price is driven up. As mentioned, kind of an ebay effect. Properties that have issues might get a slight bump – since the good properties act as comps.
As a woman who has purchased 3 houses – and was actively looking, and didn’t buy in another time – I used a full service realtor for 3 of these four searches. And I drove those realtor nuts. The first two times were in 1990 in WA state, and 1993 in PA. I drove the realtors nuts because I had a strict budget (far less than I qualified for) and wanted to see LOTS of properties. I was looking at older houses so I’d head to the basement first – to see the panel box. If it was old fuse style – with lots of DIY wiring, I’d walk right out of the house. Not a typical single female purchaser.
By 2000 I was married, expecting, and looking for a bigger house. Again, I wanted to see EVERYTHING – driving my realtor nuts. At the time realtor.com was big – and I’d call my realtor with listings that she hadn’t heard about. We ended up moving back to CA rather than buying… but it was an 8 month looking process. If we’d found the “just right” house, we would have bought it and stayed there.
The most recent purchase, in 2003, was a family purchase – no realtors, just a title/escrow company. So it doesn’t count.
I agree that in married couples – women drive the purchase decisions. But not all women are swayed by petunias and granite counters… Some ARE capable of looking at infrastructure and maintenance issues.
ParticipantUpdate to 11533 Edgewood Place.
From fidelityasap.com – it went back to the bank today.
Sale Status: Back to Bene 03/01/2010
TS Number: 20080028701710
ASAP Number: 3027289
Notice of Sale Amt: $1,439,883.35
Opening Bid Amt: $1,055,000.00
Sold Amt: $1,055,000.00ParticipantUpdate to 11533 Edgewood Place.
From fidelityasap.com – it went back to the bank today.
Sale Status: Back to Bene 03/01/2010
TS Number: 20080028701710
ASAP Number: 3027289
Notice of Sale Amt: $1,439,883.35
Opening Bid Amt: $1,055,000.00
Sold Amt: $1,055,000.00ParticipantUpdate to 11533 Edgewood Place.
From fidelityasap.com – it went back to the bank today.
Sale Status: Back to Bene 03/01/2010
TS Number: 20080028701710
ASAP Number: 3027289
Notice of Sale Amt: $1,439,883.35
Opening Bid Amt: $1,055,000.00
Sold Amt: $1,055,000.00ParticipantUpdate to 11533 Edgewood Place.
From fidelityasap.com – it went back to the bank today.
Sale Status: Back to Bene 03/01/2010
TS Number: 20080028701710
ASAP Number: 3027289
Notice of Sale Amt: $1,439,883.35
Opening Bid Amt: $1,055,000.00
Sold Amt: $1,055,000.00ParticipantUpdate to 11533 Edgewood Place.
From fidelityasap.com – it went back to the bank today.
Sale Status: Back to Bene 03/01/2010
TS Number: 20080028701710
ASAP Number: 3027289
Notice of Sale Amt: $1,439,883.35
Opening Bid Amt: $1,055,000.00
Sold Amt: $1,055,000.00Participant[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]
How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)
Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]
She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.
She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.
It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.
Participant[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]
How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)
Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]
She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.
She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.
It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.
Participant[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]
How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)
Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]
She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.
She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.
It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.
Participant[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]
How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)
Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]
She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.
She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.
It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.
Participant[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]
How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)
Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]
She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.
She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.
It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.
Participant[quote=jpinpb]My take on unemployment is it should be temporary and as a requirement of receiving it, you must be attending some kind of job training/education. I would not be opposed w/government job assitance program. I firmly believe not feeding the hungry, but teaching them to fish.
Right now my cousin who worked since he was 15 years old at a factory (30 years of his life) has been unemployed for over a year, collecting unemployment and babysitting his kids while wife works (she always has, not just started since the factory closed). He has pretty much come out and said that as long as he gets unemployment, he doesn’t care about getting a job. He has had no education since high school. No motivation to learn a new skill.
I just don’t agree w/this.[/quote]
I don’t disagree with this. I would not object to some of the stim money being used, WPA style, to improve infrastructure… at least that way taxpayers get the benefits of works projects (roads/dams/etc.). Much of SDSU was built under the WPA.
Participant[quote=jpinpb]My take on unemployment is it should be temporary and as a requirement of receiving it, you must be attending some kind of job training/education. I would not be opposed w/government job assitance program. I firmly believe not feeding the hungry, but teaching them to fish.
Right now my cousin who worked since he was 15 years old at a factory (30 years of his life) has been unemployed for over a year, collecting unemployment and babysitting his kids while wife works (she always has, not just started since the factory closed). He has pretty much come out and said that as long as he gets unemployment, he doesn’t care about getting a job. He has had no education since high school. No motivation to learn a new skill.
I just don’t agree w/this.[/quote]
I don’t disagree with this. I would not object to some of the stim money being used, WPA style, to improve infrastructure… at least that way taxpayers get the benefits of works projects (roads/dams/etc.). Much of SDSU was built under the WPA.
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