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The results are in on paradise

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  • YellowSnow
    YellowSnow Moderator, Swaye's Wigwam Posts: 37,739 Founders Club
    BearsWiin 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.

    Somebody is gonna have to explain this 'half mile to the beach' thing to the Throbber.

    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 other Mexicans Angelinos.

    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.

    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.


    Looks like a nice spot to sit in the sand and read Steinbeck.
  • creepycoug
    creepycoug Member Posts: 24,302

    BearsWiin said:

    BearsWiin 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.

    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?
    He probably has an issue with the hard 20% down payment.

    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
    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.

    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.
    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.
    If your kids are in daycare it means your wife works to keep you from being pour.

    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.
    How come all your kids look like the neighbor?
    Late - to - the - joke. A better man beat you to it.
  • Pitchfork51
    Pitchfork51 Member Posts: 27,686

    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.

    Somebody is gonna have to explain this 'half mile to the beach' thing to the Throbber.

    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 other Mexicans Angelinos.

    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.

    I don't like the beach and water. I like chilling near the beach and water.

    But when I'm in Phoenix I like me some Rocky point even more than socal.
  • BearsWiin
    BearsWiin Member Posts: 5,076

    BearsWiin said:

    BearsWiin said:

    BearsWiin 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.

    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?
    He probably has an issue with the hard 20% down payment.

    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
    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.

    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.
    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.
    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.
    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.
    We got ours into preschool for that reason. All-week halfday was something like $600/mo, three days a week halfday was around $350.
  • Mosster47
    Mosster47 Member Posts: 6,246
    Sledog said:

    California is descending into a world of shit much like any number of African countries have.

    This will be the dumbest thought you let leave your brain. It's all up hill from here.
  • YellowSnow
    YellowSnow Moderator, Swaye's Wigwam Posts: 37,739 Founders Club
    BearsWiin said:

    BearsWiin said:

    BearsWiin said:

    BearsWiin 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.

    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?
    He probably has an issue with the hard 20% down payment.

    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
    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.

    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.
    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.
    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.
    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.
    We got ours into preschool for that reason. All-week halfday was something like $600/mo, three days a week halfday was around $350.
    3 days a week in Seattle for pre school would set you back $1000 - $1300 a month easy these days. $1600 - $2000 for full time.
  • Swaye
    Swaye Moderator, Swaye's Wigwam Posts: 41,741 Founders Club