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the whole point is timing.. with the stock market.. there's no sure thing, that's why it's called risk... all i'm saying is indie can't tell me that i'm doing my calcs wrong cause i didn't use i higher rate of return... when i told him that i just put money in a bank account... he says that...

you answered the question about why there are not as many blacks/hispanics... so that leaves two "groups" that can afford irvine's prices... this explains why there are not as many whites... http://en.wikipedia.org/wiki/White_flight growing up i saw this happen to monterey park and diamond bar...

i see your stocks... and unless you bought something else like appl, nflx or amzn, i'm calling you out on the claimed 200% gain since 09...

even if you were in all cash and bought everything back in march of 09 i doubt you would have beaten the market by 100%, especially if you have held "conservative dividend" stocks... spy from march 09 to now has doubled... 

are you saying you were in all cash by the end of 08... then put all your money back into the market in 09?

i know this is a old thread, but if i were to have listened to you and put my down payment in the above "boring" stocks... and waited to buy a house, i would no longer have a large enough down payment for any house... just saying...

not doubting that the market has stagnated but just wondering how much of that is the start of the normal trend of slower sales pace after the summer?  i'm assuming those that are trying to move before the beginning of the school year have bought or are already in escrow...

what's that?

is there much of this going on today in Irvine?

Above is the list of things I considered before deciding the irvine premium was worth the price... This list does not include schools which i would assume most everyone would pick as your #1...  So what would be number two on your list? (if IUSD is not your #1, please comment)... If you'd like...

Small sample but >30% of the people who voted say "irvine (or city of choice) or bust"... This is the second time I've bought a house/condo and both times I started out with my ideal city, price, house type/layout, and house size... Both times after looking for what I think is a long time (1...

you are right... you would definitely have prop tax and state income... so that raises (or is it lowers) the bar... in any case, still very close to "not counting"... so maybe at 2%?

you prob. already know but have you seen any in the area you are looking for ,with a "make me move" price in zillow.com?

you didn't ask me but i'll jump in on that... i was going to say it still makes sense.. but wow.. in the first year on a 417k loan @2.5% you would have paid $10,317 in int.. the standard deduction for 2011 will be... $5,800 for unmarried taxpayers or married taxpayers filing separately...

one other difference for the 5/1 vs 7/1 with the 5/1 you have to qualify with the current rate +2%... with the 7/1 you only need to qualify with the current rate.  (not sure if this is the case with everyone, but for me that's what the loan lady said, but i ended up doing a 10/1, which is...

thanks for the clarification... i didn't spend time on the redfin page, and i know you probably know, but i was just pointing out how frustrating buying resale/short sale can be.  and the fact remains, you never know what the price would have ended up if you got into a bidding war with the...

i think i ranted about this a while back... but i did see a few examples like what you referenced above... great deals on short sales... but nothing seem to ever go thru (and believe me i put in lots of offers and waited, and waited)  when you see a sale like that you say to yourself "darn i...

i'm surprised at how little love foothill ranch is getting (at the time of post <10%)... foothill ranch was just a notch cheaper if not just as expensive as tustin field, tustin ranch, [tustin] voc. i would like to but can't change lake forest to say (north/west of trabuco, not just northwest)

If I were offered this house for 400k I would want to buy it but not to live in it... To flip or rent out but not to live in... But then I wouldn't be able to get a loan... If enough people are not able to or unwilling to buy that house than both the price and time on market suffers. (for any...

Not trying to start a fight here... but that statement doesn't make sense... the greater the buyer pool, the greater the possibility of it #1 selling faster #2 selling at a higher price.  This is what happened during the "great housing bubble" of 200?-2007.  lower credit/income/reserve...