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Search: Posts Made By: suavesandeep
Forum: Interesting Topics 10-21-2009, 01:39 PM
Replies: 56
Views: 64,135
Posted By suavesandeep
CA, Bay area is good if you are from a product background

California is already looking to fix the tax system.
Schwarzenegger seeks overhaul of state tax system -- latimes.com (http://www.latimes.com/news/local/la-me-taxes30-2009sep30,0,682850.story)

I...
Forum: Interesting Topics 07-26-2009, 01:10 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
been there

Mr Hiralal,

I did my masters there and lived in CA bay area for 8 years before i moved to the east coast for family reasons 2 years back. In short spent more than 25% of my life there. I also keep...
Forum: Interesting Topics 07-25-2009, 01:26 AM
Replies: 571
Views: 90,574
Posted By suavesandeep
Hi Sledge, If you read the entire thread,...

Hi Sledge,

If you read the entire thread, You will not find any response from me which says one should never buy a home. Just waiting for my wife to finish her residency so that i can go back to...
Forum: Interesting Topics 07-24-2009, 01:08 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Congrats

Congrats dreamworld,

Could you please ellaborate on what process you followed to make an offer(agent comps/ your own homework). Also assuming you had an agent. Did the agent pay some of his...
Forum: Interesting Topics 07-20-2009, 08:11 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Sledge, Forget the fed,gov for the moment....

Sledge,

Forget the fed,gov for the moment. You ask any sensible economist he will tell you that defalation is VERY BAD and moderate inflation i.e. 3% is good for the economy, thats how the current...
Forum: Interesting Topics 07-20-2009, 07:48 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Sledge, I still don't get it why do you get...

Sledge,

I still don't get it why do you get so personal about home prices falling by 10% in Virginia Fairfax :D.

In your case your payments are almost equal to the rent you would have anyways...
Forum: Interesting Topics 07-20-2009, 07:32 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
I never said Saving needs to be Cash alone.. My...

I never said Saving needs to be Cash alone.. My point being the bottom line between what people make and what they spend is no longer in the negative, and trending towards positive territory.


No...
Forum: Interesting Topics 07-20-2009, 04:56 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Sledge, Very convenient Nojoke is your...

Sledge,

Very convenient Nojoke is your friend now :D. Citizens were not saving Not because they were stupid but because they knew they had their 401K/Social Security/Home Equity/Medicare to bank...
Forum: Interesting Topics 07-18-2009, 12:47 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
I agree Gapala this is the most stupid comment i...

I agree Gapala this is the most stupid comment i have heard too i.e. Since US is debt based country, inflation is good for this country. I am amazed people are paid to write such CRAP.

I have...
Forum: Interesting Topics 07-15-2009, 04:27 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
If you ask me US is exactly doing the same thing...

If you ask me US is exactly doing the same thing Japan did in 1990's so, So "IF" they continue doing the same. I would expect to see the same results i.e Home prices will stay flat or progressively...
Forum: Interesting Topics 07-15-2009, 01:54 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
May not be a fair comparison. In those boom...

May not be a fair comparison.
In those boom days many companies just floated companies to cash on the boom with no business model. At the end of the day Stock is just a piece of paper.

But in...
Forum: Non-Immigrant Visas 07-14-2009, 05:38 PM
Replies: 20
Views: 3,530
Posted By suavesandeep
As others mentioned, If you apply for J1.. Your...

As others mentioned, If you apply for J1.. Your husband wont be able to apply for 485 for you for SURE unless you are done with J1 Waiver. You may also potentially jeopardize your husbands 485...
Forum: Interesting Topics 07-13-2009, 03:03 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Nojoke, I think you are missing puddonhead's...

Nojoke,

I think you are missing puddonhead's point.
Let say you pay rent today $1500 every month. Hypothetically lets dream :D that in bay area where you live i assume , You get a similar home...
Forum: Interesting Topics 07-01-2009, 05:57 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Even Home Owners are speculating

validiv,
Its a fact that more than 25% (don't know the exact number) of homeowners are underwater. Do you think homeowners do not speculate ?.

I have a friend who bought his house which is has...
Forum: Interesting Topics 06-30-2009, 02:06 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Low interest on 2nd loan ?

Sledge,

Isn't the 2nd loan interest always higher than the 1st loan (80%) interest rate?. How did you manage to get a 5% loan on your 2nd loan? Is this the NORM or like everything else you got a...
Forum: Interesting Topics 06-29-2009, 12:55 AM
Replies: 571
Views: 90,574
Posted By suavesandeep
Nojoke, I am in agreement with you here. If...

Nojoke,

I am in agreement with you here. If you notice my previous posts thats what i mention.
I am also of the opinion that mid to end of next year is a good time to revisit the market, Till...
Forum: Interesting Topics 06-28-2009, 01:18 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Mortgage Tax break ?

Nojoke,

That was really funny. Most conversations i have had on this topic mostly ended up like below. Many people talk the real estate agent gatorade and just by heart their lines. Not sure if...
Forum: Interesting Topics 06-26-2009, 07:06 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Update to formula

puddonhead,

To be FAIR In your calculation should you not include the tax break you would get for buying a home. I know the interest is variable, You will be paying lot of interest in the early...
Forum: Interesting Topics 06-26-2009, 06:25 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Apologies

Sorry hpandey wasn't intentional :),

My data is restricted to bay area. You are definitely looking at least at 600k for a decent home in bay area. This is taking into account the 20% correction...
Forum: Interesting Topics 06-26-2009, 05:05 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Interest Calculation

Would you share what calculator are you using.

I used one here:
Mortgage Calculator - Bankrate.com (http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx)

Loan Amount: 600K...
Forum: Interesting Topics 06-25-2009, 03:32 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
ValidIV, I guess i am old school. I like to...

ValidIV,
I guess i am old school. I like to live within my means and own things in the true sense of owning. Read a lot about leveraging and know if not used correctly you get into financial...
Forum: Interesting Topics 06-25-2009, 01:35 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
World is not ending in 2 years.

Sledge,
Nobody is saying that the world is coming to and end in 2 years.IMHO myself and many others would agree that long term buying a house makes sense. The question is does buying now if you...
Forum: Interesting Topics 06-24-2009, 01:08 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Keep in tune

IMHO, It does not matter what your status in this country is. Or how much you make and all other parameters you need to consider while buying your primary residential home. If you are in the home...
Forum: Interesting Topics 06-24-2009, 12:49 AM
Replies: 571
Views: 90,574
Posted By suavesandeep
I completely agree with you.. I seriously dont...

I completely agree with you.. I seriously dont understand what pride/ownership people feel by making 5% or best case 20% downpayment, Where the bank owns most of the house. It only truly yours when...
Forum: Interesting Topics 06-23-2009, 02:00 PM
Replies: 571
Views: 90,574
Posted By suavesandeep
Potential $15,000 tax credit

Tax credit for home purchase could rise - USATODAY.com (http://www.usatoday.com/money/economy/housing/2009-06-22-homebuyer-credit-may-be-extended_N.htm)


1. It started with $8,000 tax credit...
Showing results 1 to 25 of 89

 
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