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May 19, 2009 at 10:17 AM in reply to: Credit Card Industry Aims to Profit From Sterling Payers #402495May 19, 2009 at 10:17 AM in reply to: Credit Card Industry Aims to Profit From Sterling Payers #402554
UCGal
ParticipantAdd me to the group of pay-in-full customers that will simply switch back to cash.
I’m not that upset about the rewards programs… but I will not pay an annual fee or interest from day one. I’ll pay cash and use my debit/visa card for anything that requires a CC (like renting cars or online purchases.)
It will be a bit more hassle… But it’s not that bad to pay cash.
May 19, 2009 at 10:17 AM in reply to: Credit Card Industry Aims to Profit From Sterling Payers #402702ParticipantAdd me to the group of pay-in-full customers that will simply switch back to cash.
I’m not that upset about the rewards programs… but I will not pay an annual fee or interest from day one. I’ll pay cash and use my debit/visa card for anything that requires a CC (like renting cars or online purchases.)
It will be a bit more hassle… But it’s not that bad to pay cash.
May 19, 2009 at 10:10 AM in reply to: Are we going to still believe that San Diego housing would stay remaind high further?….. #402001ParticipantMy brain hurts.
But – to answer the question that I *think* was being asked.
I think parts of CA housing have come close to bottom, but other parts (higher end) is still really inflated.
I would not base my purchase decisions on a 2008 article, though. We know the market continued to come down a bit since last year.
May 19, 2009 at 10:10 AM in reply to: Are we going to still believe that San Diego housing would stay remaind high further?….. #402253ParticipantMy brain hurts.
But – to answer the question that I *think* was being asked.
I think parts of CA housing have come close to bottom, but other parts (higher end) is still really inflated.
I would not base my purchase decisions on a 2008 article, though. We know the market continued to come down a bit since last year.
May 19, 2009 at 10:10 AM in reply to: Are we going to still believe that San Diego housing would stay remaind high further?….. #402485ParticipantMy brain hurts.
But – to answer the question that I *think* was being asked.
I think parts of CA housing have come close to bottom, but other parts (higher end) is still really inflated.
I would not base my purchase decisions on a 2008 article, though. We know the market continued to come down a bit since last year.
May 19, 2009 at 10:10 AM in reply to: Are we going to still believe that San Diego housing would stay remaind high further?….. #402544ParticipantMy brain hurts.
But – to answer the question that I *think* was being asked.
I think parts of CA housing have come close to bottom, but other parts (higher end) is still really inflated.
I would not base my purchase decisions on a 2008 article, though. We know the market continued to come down a bit since last year.
May 19, 2009 at 10:10 AM in reply to: Are we going to still believe that San Diego housing would stay remaind high further?….. #402692ParticipantMy brain hurts.
But – to answer the question that I *think* was being asked.
I think parts of CA housing have come close to bottom, but other parts (higher end) is still really inflated.
I would not base my purchase decisions on a 2008 article, though. We know the market continued to come down a bit since last year.
ParticipantI assume HOA fees would also have to factor in. A house with no HOA and no Mello Roos would be a simple ratio calculation. A house in a neighborhood with mello roos and HOA would have to have a lower ratio to realize the same cash flow.
ParticipantI assume HOA fees would also have to factor in. A house with no HOA and no Mello Roos would be a simple ratio calculation. A house in a neighborhood with mello roos and HOA would have to have a lower ratio to realize the same cash flow.
ParticipantI assume HOA fees would also have to factor in. A house with no HOA and no Mello Roos would be a simple ratio calculation. A house in a neighborhood with mello roos and HOA would have to have a lower ratio to realize the same cash flow.
ParticipantI assume HOA fees would also have to factor in. A house with no HOA and no Mello Roos would be a simple ratio calculation. A house in a neighborhood with mello roos and HOA would have to have a lower ratio to realize the same cash flow.
ParticipantI assume HOA fees would also have to factor in. A house with no HOA and no Mello Roos would be a simple ratio calculation. A house in a neighborhood with mello roos and HOA would have to have a lower ratio to realize the same cash flow.
Participant[quote=peterb]Move to a state without income tax. That’ll save you about 10% right there, compared to living in CA. Find one without sales or income tax and you’re even further ahead of the game. Not sure that exists in the USA, though.[/quote]
You can move to Vancouver, WA (no income tax) and shop across the river in Portland, OR (no sales tax.)
I know a couple of people that do this.
Participant[quote=peterb]Move to a state without income tax. That’ll save you about 10% right there, compared to living in CA. Find one without sales or income tax and you’re even further ahead of the game. Not sure that exists in the USA, though.[/quote]
You can move to Vancouver, WA (no income tax) and shop across the river in Portland, OR (no sales tax.)
I know a couple of people that do this.
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