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Hmm... if you really know of graded or finished lots selling at 10% of peak, let me know. I am interested in acquiring land and have several investor friends who would be as well at those prices.

... and none of the banks would take you up on your offer. At least, that's the current problem with foreclosure pricing.

HW - If the builder is desperate enough to sell the home, tell them your story and they may hold the sale until after your contract expires if you place a deposit or something. Of course, you are giving up all negotiating power by revealing problems like this. On the other hand, you could...

I think most financial advisors suggest a 3-6 month cash cushion so in my opinion you should work towards achieving that first. If the loan interest hurts you, put extra monthly into your car payments. Obviously you should leave the student loan payments for last as the rate is lower than almost...

I am no attorney and perhaps others on the board will be more helpful, but I think a good place to start is to look over your contract more carefully at its wording and provide us with the text of what the contract states are the agent's obligations, what are your obligations, and what the...

Do people even read blogs before they go posting on the forums?

Whether or not the HOAs increase or decrease depends on the situation and the competence of your board. In our development, the board seems to be doing an ok job and our HOA stayed pretty stable over the years. It went down for a couple of years but recently went back up to where it started 5...

Some people are obsessed with the "how the hell does everyone afford xyz?" issue. The truth is, the majority of people in Southern California bought their homes prior to the recent housing boom and didn't need to use any kind of exotic loan. They can afford their mortgage payment and also the...

"Maybe they'll come out with a neg am loan for my Ferrari!" Its fairly easy to get a 10-year loan for exotics thus lowering the monthly payment to somewhere near the rent for a 3bd condo.

I dunno about that, I think Audi's lease rates are the worst among the three. BMW's are the most attractive due to corporate subsidizing of leasing.

"I would imagine they are buying Hondas because it is cheaper, and is closest thing to a "luxury" brand without actually being one." I dunno, I think that title should go to Toyota, or perhaps Acura. Every car manufacturer discounts (excepting, perhaps, Ferrari); just depends on...

Aw geez I hope FJMB still has free car washes... one of my black cars stays shiny because of them.

The article is a poor explanation of the advantages vs disadvantages of renting vs owning real estate and is written by someone who is possibly as far away as possible from the average middle-income American. He is an unmarried, childless, probably highly-educated man living in Manhattan and...

Wheeee! I'm in with my "Italian sports car". Only mod is a Magnaflow exhaust. Oh, and it has a clutchless manual.

Irvine_Native - For many years European cars came with no cupholders or tiny ones or flimsy plastic ones that seemed like they were purposefully designed to break off. This has been explained by the designers from several brands as a cultural difference between Europeans and Americans...

True, at first I wasn't sure about it, but after that last post, I'd have to agree, just a troll.

Tyler - "Also, I don't think its very hard to define what is meant by "conspicuous consumption". X is a conspicuous consumer just in case X makes purchases above and beyond what is required by his/her society for the display of wealth/status." So you are basically arguing against...

From Wikipedia's entry on BMW: The term "beemer" started as an acronym for the abbreviation "BMW," adapted from the early-20th century British pronunciation of <a title="Birmingham Small Arms Company" href="http://en.wikipedia.org/wiki/Birmingham_Small_Arms_Company">BSA</a> (as "beeser"...

Tyler - "But the Saab 9-3 sport 2.0T has a MSRP of $26.5k while the closet car I know from Chevy is the the Malibu Maxx 5 door LTZ which has a MSRP of $24.5k (I'm not sure if Saab's share a platform with a Chevy etc or not)." Again, before you go criticizing people for paying extra...

"But it comes off as "shoving my values" merely because I'm saying something that differs from the apparent group-think of this site. If I made these comments at say Housing Panic they would've been almost ignored. My mistake was that I thought the group on this blog was of a similar breed, they...