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IMO, No, Irvine does not feel wealthy. It feels safe, new, well planned, practical and for me, like home. However, it's cookie cutter here and that alone takes the wealthy aspect out of the equation. Just because the RE prices are inflated, doesn't qualify as wealth. It's not the...

How do borrowers get notified of these increases? Do they send out a payment schedule a year in advance or do they not know until the month before when the LTV hits 110%?

Fukada has great noodles, it's more of basic noodles but their sauces and dashi's could use some improvement. The hole in the wall places in Tokyo just have incredible soba that I haven't really found an equivalent here. Nonetheless, Fukada offers a crisp fresh noodle dishes, don't expect...

I notice it most on my eyes. Have to take drops of Systaine repeatedly to cure dry eyes tiredness. Either that or I'm spending way too much time reading IHB. Maybe both

Sadly, out here in Irvine, $1636 a month is what some people pay for property taxes, HOA, and insurance. We're not even talking mortgage yet. I don't think enough people realize the changes in bankruptcy laws and why maxing out their credit cards to save your house is a BAD idea. It's...

Is POITG asking too much? I don't think so. Now, Irvine is dense housing so we can't get real privacy unless you're in one of few select communities or move to the midwest, but having more space than apartment buildings is something that 400K should be able to buy.

Alright, I may be getting a little high strung, but let's not call Cox's Motorola DVR a "Tivo". I know, I know, it's like household names like Coke, Kleenex, etc, but the POS Cox is using is a not a Tivo, but a DVR (Digital video recorder).

When I first started reading IHB, I knew I was a bear, but not the bearish of bears. I kept thinking, man, you guys are predicting the worst. I was wrong. I don't think we truly know what the worst could be. Reading through Roubini's posts and others, is our problem is not just our problem...

What is truly sad, is that this person is a mortgage wholesaler AE. Shouldn't someone in the business understand how the process works? Ugh... just shows how many incompetent people were in the business to make a buck. It's sad to see people lose their homes, but I have no sympathy for...

While methane is combustible, you need sufficient PPM concentrations and an ignition source for it to burn. The Santa ana winds were so fierce on that day that any gassing of methane would have been blown into minuscule PPM concentrations to make ignition nearly impossible. Sure, under the...

I think we pay about $30 a quarter or $10 a month for WM. I think we have standard size waste, recycling, and green waste bins. they charge a bit more for the larger sized trash cans. However they also do 2 yearly large-item pickups.

These fires are waaay to wide and disperse to do anything but be on the defensive and concentrate on the populated areas. Who would have imagined fires raging from Santa Barbara county down to the mexico border.

I bet nearly 99% don't have enough insurance. The cost to remove all the wreckage, assess foundation and grading damage, get architecture plans, permits, contractors, etc will be waaay more than people think. I think our original homeowners were based on the builder's assessment on our...

Laguna Crossing seems to be divided into North and South communities. Each has it's own entrance / exit but so far it's just one per community. North will have about 500 residences, while the South has less than 200. Even OH with 4000+ units only has Culver that loops through the community.

$25 donated. <img src="http://www.kiso.net/images/ihb/donation.gif" alt="" />

We like Orchard Hills, but that is directly in the firepath. I'm sure by the time it's built-out the memory of the fires will have waned. However, I'm not so sure that OH is worth the "premium" TIC is touting. I guess will have to wait and see what new housing products will be available...

Exactly, going back to '02 to early '03 would be my expectations for irvine. For areas like the IE, I imagine it could go lower. From 2002 to late '03 some of the brand new housing tracts in turtle ridge increased 66% in one year.

I think there are a number of Stanley Johnson's out there... from Lending Tree <a href="http://www.youtube.com/watch?v=hn5EP9StlVA">(youtube video)</a>. All that debt rolled into a refi, but that doesn't cure the disease, just promotes it. I'm sure credit card companies are see huge profits...

Is this a software company building a campus? The only software companies that employ those types of number of employees are Microsoft, Oracle, and SAP. Even then most are sales and service and they are spread around the globe. Diversified companies like HP, IBM, etc who do software as a...

Don't get caught up in the "just ref-fi" in 2 or 3 years after the buy-down. Interest rates are likely to rise to control inflation, people scream because jumbo's hit 7%, I can't imagine it staying at current levels for long. Rates in the 8% to 9% could be realistic in a few years. Heck, when...