Recent content by benevera_IHB

  1. benevera_IHB

    The Yes on 8 guys are at it doing telemarketing

    Yes, I would, and thank you for asking. I am part of that crazy religious vast right-wing conspiracy called organized religion. Some may call us nutters. Whatever names we're called or accusations made, we have a point of view that we are trying to express in this election. I am proud to...
  2. benevera_IHB

    Life Insurance

    With the failure of IndyMac on Friday, I started thinking about other products offered by potentially troubled banks, including life insurance policies. Is there any reason for concern when holding a policy issued by a troubled bank? Are the insurance and banking divisions completely separate...
  3. benevera_IHB

    Biking to work, why don't you? List your excuses here...

    When we first moved here, we only had one car, so I biked to work every day. I was in great shape, but decided a second car was necessary for those occasional rainy days. My bike commuting has dropped significantly, but lately I've been biking to work about 3 times a week.
  4. benevera_IHB

    The Housing Crisis is Over!

    I continue to get information passed along to me from the mortgage broker we have worked with in the past. He has called the bottom twice now, the first time in May in response to this WSJ article, and again this week, in response to Lansner's article on June 3 about the fact that bank-funded...
  5. benevera_IHB

    Seeking Advice re Rental Deposit

    We're renting a 4 bd/2.5 bth SFR in Irvine and our landlord required the equivalent of one month's rent for the security deposit. $5,500 seems pretty high to me.
  6. benevera_IHB

    Where will mortgage rates be in 2010/2011?

    If the rates go to 15% in the next two years, how long will they take to drop again? Many people in these forums state the fact that you can refinance a high rate, but you can't refinance a high purchase price. True, but how many years will you pay the extra interest at the higher rate until...
  7. benevera_IHB

    Are all mortgage brokers hurting bad?

    Thanks to everybody on this blog who has enlightened me to the ways of the real estate world. We've been renting in Irvine for almost 3 years now and were close to buying last year, but thankfully did not. I still get calls from the mortgage broker we worked with, and assume that business is...
  8. benevera_IHB

    Light and Bright

    Thanks. The lite-brite was a great toy, and it lives on on the internet! Here's a link to the site <a href="http://www.hasbro.com/litebrite/swf/litebrite.cfm">http://www.hasbro.com/litebrite/swf/litebrite.cfm</a> Skek - my avatar is a picture of the Watzmann, near Berchtesgaden in...
  9. benevera_IHB

    Light and Bright

    In honor of IR's post...
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