The results are in on paradise
Comments
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Christ, this is why I try to not comment here.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
Exactly 95th? No. Closer to 95th than 68th? Yes.
Add some child care and my wife's student loans(glad i went to uw btw) and things start to get tight when budgeting a mortgage.
With the market the way it is(in my area) we are somewhat caught since any high density housing has HOA costs close to the difference of what a standalone would cost outright.
I'll still buy something but the point still stands. I'm going to end up buying a condo, a townhouse, or some fucked up starter while if i lived anywhere else i would have bought five years ago and had something better by a mile. I also wouldn't be house poor for a decade or more. -
In many cases the second job doesn't justify the hassle. It starts out being taxed at the higher rate, you get to pay somebody else to raise your brats, people argue over household duties/chores, etc.. Unless the second job is really lucrative and/or somebody can work from home with flexible hours, it just isn't worth it. Nobody ever dies wishing they'd spent more time at the office. Wife makes enough for me to have stayed home with the kids; now that they're older I spend my mornings after carpooling making time with the young-mom gym hotties on the westside. Unfortunately, we're slightly more than a half mile from the beach, more like .7 mile, but I can live with that. Zillow says that our home value is 32% above the zip code median, so it might actually qualify as a decent place.YellowSnow said:
We talking what 200K will buy you with or without kids in daycare? Yuge difference there between what the Dinks can afford and those of that paying through the nose for childcare.BearsWiin said:
Except that you don't need 20% down. It helps get preferential rates and gets you out of having to pay PMI, but it's not necessary.RaceBannon said:
He probably has an issue with the hard 20% down payment.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
We bought our first house with a 5% we borrowed from Mom. Course that was a homestead but still
The housing market is not that unreasonable depending where you are at
I live in an extremely unreasonable area, and I can go on MLSListings.com right now and find many "decent" places that somebody with a $200K salary can afford. -
I told the wife with her old job that if she didn't make more and wanted kids then she was going to be a stay at home mom. She then went and got a job that pays more.BearsWiin said:
In many cases the second job doesn't justify the hassle. It starts out being taxed at the higher rate, you get to pay somebody else to raise your brats, people argue over household duties/chores, etc.. Unless the second job is really lucrative and/or somebody can work from home with flexible hours, it just isn't worth it. Nobody ever dies wishing they'd spent more time at the office. Wife makes enough for me to have stayed home with the kids; now that they're older I spend my mornings after carpooling making time with the young-mom gym hotties on the westside. Unfortunately, we're slightly more than a half mile from the beach, more like .7 mile, but I can live with that. Zillow says that our home value is 32% above the zip code median, so it might actually qualify as a decent place.YellowSnow said:
We talking what 200K will buy you with or without kids in daycare? Yuge difference there between what the Dinks can afford and those of that paying through the nose for childcare.BearsWiin said:
Except that you don't need 20% down. It helps get preferential rates and gets you out of having to pay PMI, but it's not necessary.RaceBannon said:
He probably has an issue with the hard 20% down payment.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
We bought our first house with a 5% we borrowed from Mom. Course that was a homestead but still
The housing market is not that unreasonable depending where you are at
I live in an extremely unreasonable area, and I can go on MLSListings.com right now and find many "decent" places that somebody with a $200K salary can afford. -
Well, if you're at the 80th percentile, which is about equidistant from 68th and 95th, then in CA that's $125K, and around the country it's about $107K. That's a significant difference in income from the 95th percentile, and explains why you're having trouble saving for a home. Even in the Tug, facts matter more than hyperbole. If you're not 95th percentile, then don't fucking say that you are.UW_Doog_Bot said:
Christ, this is why I try to not comment here.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
Exactly 95th? No. Closer to 95th than 68th? Yes.
Add some child care and my wife's student loans(glad i went to uw btw) and things start to get tight when budgeting a mortgage.
With the market the way it is(in my area) we are somewhat caught since any high density housing has HOA costs close to the difference of what a standalone would cost outright.
I'll still buy something but the point still stands. I'm going to end up buying a condo, a townhouse, or some fucked up starter while if i lived anywhere else i would have bought five years ago and had something better by a mile. I also wouldn't be house poor for a decade or more.
You are where you are because the jobs pay better. If you really think that you can go somewhere else and get more quality of life for your lower salary, nobody is stopping you from doing that. -
Somebody is gonna have to explain this 'half mile to the beach' thing to the Throbber.UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
The Pacific is fucking cold. It's not like the Caribbean or the Gulf bath water warm with all-you-can-drink day-resorts everywhere.
And when you do go to 'the beach', you with like 12 million otherMexicansAngelinos.
Just don't get the attraction. Would much rather be near a ski resort in the winter and some boating in the summer. But 70 degrees year round is nice. No question.
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My beach is 340 miles NNW of LA. We get idiot tourists from Fresno, not Angelinos. I don't get in the water, but my kids boogieboard regularly, and we know many families that surf, paddleboard, and kayak. All it takes is a wetsuit. Wife and I take the dogs down for a 2-mile walk once or twice a week, to gain some perspective. You can't put a pricetag on perspective.PurpleThrobber said:
Somebody is gonna have to explain this 'half mile to the beach' thing to the Throbber.UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
The Pacific is fucking cold. It's not like the Caribbean or the Gulf bath water warm with all-you-can-drink day-resorts everywhere.
And when you do go to 'the beach', you with like 12 million otherMexicansAngelinos.
Just don't get the attraction. Would much rather be near a ski resort in the winter and some boating in the summer. But 70 degrees year round is nice. No question.
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They have a point. California ex-pats ruin everywhere they land. Bend is a case in point.RaceBannon said:People in rural Oregon and Washington complain about Californians moving there
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Bing-Fucking-Go! I still don't understand the attraction of Seattle. A week in San Diego puts me in a C-Collar with all the hot women down there. Seattle? Never been a problem, never will be.Swaye said:
This is precisely why I will never move back to Seattle. It's like all the bad parts of CA, but without any of the good weather or hot chicks.UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area. -
How come all your kids look like the neighbor?creepycoug said:
If your kids are in daycare it means your wife works to keep you from being pour.YellowSnow said:
We talking what 200K will buy you with or without kids in daycare? Yuge difference there between what the Dinks can afford and those of that paying through the nose for childcare.BearsWiin said:
Except that you don't need 20% down. It helps get preferential rates and gets you out of having to pay PMI, but it's not necessary.RaceBannon said:
He probably has an issue with the hard 20% down payment.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
We bought our first house with a 5% we borrowed from Mom. Course that was a homestead but still
The housing market is not that unreasonable depending where you are at
I live in an extremely unreasonable area, and I can go on MLSListings.com right now and find many "decent" places that somebody with a $200K salary can afford.
She'll likely have an affair when she meats someone better than you.
I avoided this risk by keeping Mrs. Creepy at home with the kiddos. I was not pour. -
Some good points here but even if one parent doesn't have to work there's still the benefit of getting 'em into some sort of pre school by 2 or 3 for the socialization. And even part time pre school ain't cheap in the big city.BearsWiin said:
In many cases the second job doesn't justify the hassle. It starts out being taxed at the higher rate, you get to pay somebody else to raise your brats, people argue over household duties/chores, etc.. Unless the second job is really lucrative and/or somebody can work from home with flexible hours, it just isn't worth it. Nobody ever dies wishing they'd spent more time at the office. Wife makes enough for me to have stayed home with the kids; now that they're older I spend my mornings after carpooling making time with the young-mom gym hotties on the westside. Unfortunately, we're slightly more than a half mile from the beach, more like .7 mile, but I can live with that. Zillow says that our home value is 32% above the zip code median, so it might actually qualify as a decent place.YellowSnow said:
We talking what 200K will buy you with or without kids in daycare? Yuge difference there between what the Dinks can afford and those of that paying through the nose for childcare.BearsWiin said:
Except that you don't need 20% down. It helps get preferential rates and gets you out of having to pay PMI, but it's not necessary.RaceBannon said:
He probably has an issue with the hard 20% down payment.BearsWiin said:
Calling BS on this one. 95th percentile income earner in CA makes $230K. 95th percentile nationally is $195K. You can't find a decent place with a $195K salary?UW_Doog_Bot said:Being upper middle class in California is like being mid to lower-middle class most other places. I can afford to rent a decent place but I can't afford to buy one. The truly shitty part is that the state still tax me as though I was in that 95th percentile of income earners. The upside is that it's 70 degrees year round and I'm a half-mile from the beach.
I'd move back to Seattle but it sounds like they are doing their best to transform that into an extension of the bay area.
We bought our first house with a 5% we borrowed from Mom. Course that was a homestead but still
The housing market is not that unreasonable depending where you are at
I live in an extremely unreasonable area, and I can go on MLSListings.com right now and find many "decent" places that somebody with a $200K salary can afford.
