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Yes, you have a good point. I have read 70% as well. I am just frugal/cheap, probably more than average. For me 50% would also assume the mortgage is paid off, and kids finished with college and out of the house.

If I made $100k/year then I'd want half that income - ie $50k/year - in retirement. "Comfortable" is all relative to income and lifestyle. To self-sustain $50k/year, I would want $1.25MM in investments assuming a 4% yield. I don't care about net worth which is a waste of time counting a...

Heh, heh. I couldn't move to FL for that reason. Texas also has no state income tax, and relatively inexpensive housing. Businesses like Toyota are well-incentivized by TX to relocate from Torrance to Plano. Plenty to do in TX whether you're into food, youthful liberalism and music (Austin)...

I agree, saw Legado yesterday and the #3 and #4 entries were not good. Especially #3, walking around the stairs to get to the living room.

How do you access the front door for Marin plans 2 and 2x? Seems they are the rear units and require you to walk through the motorcourt?

Maybe you should do a little research. One of my coworkers got paneled on a jury trial (out of state) for a single mom accused of enrollment fraud. I think that is ridiculous but anyone can read the IUSD enrollment forms re penalties for themselves.

No. Unless you're willing to sign an enrollment form under penalty of perjury.

The problem IMO is that the cemetery risk isn't priced into the PS3 new home prices. I agree it's unlikely to happen, but maybe it impacts buyers' willingness to pay full price.

Fwiw I liked Terrazza but decided against the lots zoned for TUSD... Potential resale stigma for buyers fixated on IUSD. Also Hicks Canyon Elementary is ~0.25 miles from the 261. Not good for little lungs.

Primrose @ Beacon Park cut prices 7-10% this weekend. I saw a lot of bargain hunters rushing to sign paperwork on Sunday.

And the Fed bungling interest rates.

Tz, if you're looking at newer SFR's then have you looked at Ladera Ranch north of Crown Valley Pkwy? ~1.3% tax rate would lower the DTI from 40%. Sounds like you've done a lot of research already, just throwing it out there.

The Case-Shiller index is way more extended today than 1987 or 2000. IMHO this is not a pretty chart to buy into. Color me impressed if stocks do indeed crash and the Fed approves negative interest rates to kick the can further down the road. Til then I'm hiding in my rabbit hole. free photo...

Huh. Didn't know RMV % was so high. In Tustin Field though my tax rate is only 1.5-1.6%. I will be curious what happens to standing inventory if the stock market really tanks. I imagine future developments would simply be postponed.

I thought BP has higher MR than Columbus Grove and Rancho Mission Viejo, esp. with the +2%/year clause. Something like 1.8% tax vs 1.6%. I would love walking to BP school, park, sports fields. Just a little too rich for my finances right now. Here is a map of GP neighborhoods + cemetery. I...

FWIW we are waiting. I want to see how economy and housing pan out a little while longer. Also, I like BP but don?t want to live so close to an elementary school and kiddie park (assuming a ?forever home? purchase). My children will just outgrow them. Not worth the 1.8% tax and compounding MR to...

Redfin is pulling new tract info from newhomesource.com and apparently mish-mashing model names with real inventory.  :P For example, they show 3 Oakmont floor plans + 2 quick move-ins for a total of "5" listings. In the case of Ellwood, looks like they only show the models by name (Nash...

They added a bunch of new home tracts like Sage, Cariz, Jasmine etc. Apparently pulling data from newhomesource.com now.

Our kid still crawling in Pampers and head-butting walls. So we have 17 years before college. For UC estimate, I used something like ~$30k/year compounding at 4%. And 6% for personal rate of return. A UC education is just a ballpark goal for our distant timeframe. Eventually I'll have to adjust...

We have the Vanguard 529 Nevada plan and contribute $500/month. Used online calculators to guesstimate UC expenses by the time our kid is 18, as well as the monthly contributions needed for a full ride by then.