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...that she might be a sufficient reason for young Candide

and he for her


March 12th, 2006

Random Encounters of the Home Kind @ 10:26 pm

Current Mood: cheerful

Having brunch today I noticed a girl standing in the line outside who looked just like my friend Jolene Searles from...well...K-12. I went out and said hello, and of course it was Jolene. She lives here, now, apparrently. Craziness. So I guess that's another coffee date for the card. Fun fun. And with a gorgeous pair of blue eyes, which is never a bad thing. I'll leave this entry public so that maybe I can yet again make the top spot on a vanity search. I'm not on the first _page_ for my own name, last I checked, but what the hell.

Also this weekend:

  • Kristin was in town, which rocked, as always.

  • Neil's birthday was great, and we had izakaya style Japanese food. I may drag my parents to the same kind of deal for my birthday on Wednesday, because it ruled.

  • Davey's birthday was much fun, we ate good cheese and watched River and Kaylee. Yum.

  • Best. Hike. Evar. We went to the Black Diamond Mines, and I had lunch, as I had hoped, on top of a high ridgeline with a 360 view half of the east bay, and half of Jurassic fucking Park. And the weather reports predicted hail and rain, so of course we had a full day of gorgeous sunshine. ::sighs happily:: Klein's Deli is awesome. My friends are awesome. Nature? That's right! Also awesome!

  • House hunting in Noe Valley. Cool places. Saw one I really liked, but I don't think I'll have my shit together before it goes off the market. S'okay. I'm confident other places will present themselves. Saw one other I liked nearly as much, but it was a bit above my target price and not as je ne sais qua. Had Klein's again. =)

  • Dinner with "Sweenah!" at my favorite Ethiopian place, and then drinks at the pub down the block, where I ran into a cute co-worker who recommended an even better place I'll have to try some time.


  • So...yeah...really goddamn good weekend.
 
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From:bortyspice
Date:March 14th, 2006 05:02 am (UTC)
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We should do something again... I'm not Jolene, but who is? haha :) It'd be fun to do something with Jeanne as well. Maybe over in my side of the bay this time?
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From:hawk
Date:March 15th, 2006 04:34 pm (UTC)
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Yeah, that would be fun. I get over to Oakland occasionally to visit friends. Perhaps we can grab coffee or Zachary's next time I'm out.
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From:bortyspice
Date:March 17th, 2006 02:56 am (UTC)
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Zachary's is sooo good. They're putting one in down in San Ramon, so everyone over here is jazzed about it. Let me know when you're up for it!
From:dan_erat
Date:March 14th, 2006 03:27 pm (UTC)
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Every time I think about houses here, roughly the following thoughts run through my mind:

  1. The fact that I'm even considering this indicates that they're paying me way more than I deserve.
  2. Nevertheless, prices are so ridiculous that there's no way I'd buy a house.
  3. How do all of the homeowners in this city buy houses? Are they all getting paid too much too?

I'm curious about what percentage of the current homeowners here have inherited their houses vs. buying them (probably there are a bunch of people who bought them when prices were less ridiculous too).

The census indicates that the home ownership rate is this county was 35% in 2000. (!) No idea how that fits in with a $55,221 median household income... but I guess that a "median value of owner-occupied housing units" of $396,400 indicates that prices have shot up a bunch in the six years since the census was taken.

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From:hawk
Date:March 14th, 2006 04:26 pm (UTC)
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Dude, I hear that on all counts. What I'm discovering is that there are options which make it feasible. San Francisco has all these weird financial singularities that make home ownership conceivable. And also, for example, you can buy a house with zero downpayment (I think you can only do that on your first home purchase, maybe), though that may not be just San Francisco. There are lots of different ways to invest in real estate, some better than others (and some outright bad) as always. That still leaves you with a huge mortgage payment, I think, but there are ways around that as well. Tradeoffs abound.
From:dan_erat
Date:March 15th, 2006 03:26 pm (UTC)
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I just saw a mention of zillow.com on searchenginewatch. It's a draggable map with house values overlayed. According to that site, the house in which I'm currently renting an apartment was valued at $400,000 in early January 2003 but is at $1.16M right now. Seems to be fairly typical; 94131 on average went from $500,000 to $900,000 in the same period. Sigh. Presumably one can buy now with a relatively low down-payment and then refinance when people finally realize how completely insane this is (I surmise, having never taken a loan).
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From:hawk
Date:March 15th, 2006 04:33 pm (UTC)
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No, I think if you buy and the value of the property falls completely through the floor you just lose the difference. Refinancing just repairs a broken interest rate. So buying a house is essentially gambling that the housing market in SF is going to go in a generally upward direction. I'm pretty confident that that will be true for at least the next five years (in aggregate), but it is kind of scary. That's also why they don't want to loan to you against no down payment if they can avoid it -- if the house turns upside down they're left holding the bag.
From:dan_erat
Date:March 15th, 2006 05:28 pm (UTC)
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Yeah, I realized that that was completely stupid about five minutes after I wrote it. :(

...that she might be a sufficient reason for young Candide

and he for her