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  1. #1
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    most affordable area to live in OC?

    i have a job offer in Rancho Santa Margarita. i don't think i'll move anytime soon but maybe next year or something. so just asking where the most affordable place to live at about 10-15 miles from RSM?

    i have another offer in torrance that actually pays a little more but theres btter mt biking in OC.

    argh tough decisions!

    thanks

  2. #2
    stay thirsty, my friends
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    Quote Originally Posted by jr711
    i have another offer in torrance that actually pays a little more but theres btter mt biking in OC.
    You sir have your priorities straight! Can't answer your questions tho . . .
    "With that said, until you have done a STR group ride- YOU HAVE NOT LIVED!"
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  3. #3
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    Quote Originally Posted by jr711
    i have a job offer in Rancho Santa Margarita. i don't think i'll move anytime soon but maybe next year or something. so just asking where the most affordable place to live at about 10-15 miles from RSM?

    i have another offer in torrance that actually pays a little more but theres btter mt biking in OC.

    argh tough decisions!

    thanks
    parts of Lake Forest, Tustin and Orange are a little less than other So OC places. The later two using the toll road to get to RSM in 10-15 miles. If you can afford a home and handle a little less cash So OC can be nice for riding and living.

  4. #4
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    i finally finished with school in august. so no money to buy a home yet. my plan is to live at home for a year or two to save some money for a down payment for something small. and hopefully the theory a real-estate friend has holds up about some kind of housing bubble in cali(i can dream). any little bit would help. but i may just end up renting like most. we'll see

  5. #5
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    Good job! Don't hold your breath waiting for a RE bubble to pop!

    Quote Originally Posted by jr711
    i finally finished with school in august. so no money to buy a home yet. my plan is to live at home for a year or two to save some money for a down payment for something small. and hopefully the theory a real-estate friend has holds up about some kind of housing bubble in cali(i can dream). any little bit would help. but i may just end up renting like most. we'll see
    Hate to break it to you but there is no bubble in SoCal real estate in the next 5 years. Too much demand and too many people with money, low interest rates and plenty of jobs. The OC economiy will keep perking along for years to come. The prices may flatten and retreat slightly as real estate is cyclical but in most cases you can't save fast enough to overcome the appreciation. Last year we had 24.7% appreciation... most of the economists said that we would suffer a 7% decline in prices. We at about about 18% this year... the economists had predicted a 10-12% decline in prices. The National Board of Realtors is predicing about a 15% appreciation for 2006... most economists are saying that although they've been wrong for the last 5 years now and have no credibility, they are predicting a 12% decrease in home prices... who are you going to believe???
    I would suggest you get together with a couple of friends and buy something... anything, then hold on for a year or two and start leveraging up. That's how people are now living in million dollar houses.

    My 2 cents....

    Old Man Riding... also a Realtor in South OC

  6. #6
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    yeah i figured

    thanks

  7. #7
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    Decent home

    In OC would be over 600k with a down of say 20% you're looking at 120K , if you can save that in a year or two, you can afford OC. We thought about moving back there,but after experiencing the traffic and all the other congestion we just didn't figure the quality of life there was worth it. I'll stay out in the less congested areas of North Fonatana and Rancho Cucamonga..Reminds me of what OC used to be,before it was over built. Good luck, you're not alone.
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  8. #8
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    Anywhere

    If you're going to rent, I would live close to work and riding. Rents are not that different in OC. Tons of condos and apartments in So OC.

    My wife if is a realtor and I have to echo what mtber3737 says about real estate prices. If your credit is good there's all kinds of financing options to get you into a house when you're ready.

    Torrance ? My wife lived in that area before we were married. Trust me - You would like South OC much better.

    See ya on the freeway.

    C

  9. #9
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    Just couldn't resist responding to this

    Quote Originally Posted by mtber3737
    Hate to break it to you but there is no bubble in SoCal real estate in the next 5 years. Too much demand and too many people with money, low interest rates and plenty of jobs. The OC economiy will keep perking along for years to come. The prices may flatten and retreat slightly as real estate is cyclical but in most cases you can't save fast enough to overcome the appreciation. Last year we had 24.7% appreciation... most of the economists said that we would suffer a 7% decline in prices. We at about about 18% this year... the economists had predicted a 10-12% decline in prices. The National Board of Realtors is predicing about a 15% appreciation for 2006... most economists are saying that although they've been wrong for the last 5 years now and have no credibility, they are predicting a 12% decrease in home prices... who are you going to believe???
    I would suggest you get together with a couple of friends and buy something... anything, then hold on for a year or two and start leveraging up. That's how people are now living in million dollar houses.

    My 2 cents....

    Old Man Riding... also a Realtor in South OC
    I live in Boise, with my Girlfriend; we will probably get married.
    She is completing a degree. We both REALLY WANT to live in OC
    The reality is we may/most likely will have to rent.
    We both have excellent credit, very high scores at least.......

    We are hoping to find a condo.

    Also, in case any Boise lurkers on here who want to knock me down -
    not knocking this place - it is very cool, but I grew up in OC and have many other friends there, family....
    Last edited by mtnbkrdr98; 12-16-2005 at 01:46 PM. Reason: Info

  10. #10
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    I moved to RSM from the midwest. I have never been an ocean guy, so living in the foothills is great. I can leave my house and hit O'neal park in 2 minutes. My wife and I have really enjoyed RSM, traffic is not as bad as other areas. If your looking for any night life, this is not the place to live. If your looking for a great place to live and hit the trails without having to put your bike on your car, this is the right place. Your right at the foothills to the Santa Anas, Holy Jim, Trabuco, Santiago, etc..

  11. #11
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    Quote Originally Posted by mtnbkrdr98
    I live in Boise, with my Girlfriend; we will probably get married.
    She is completing a degree. We both REALLY WANT to live in OC
    The reality is we may/most likely will have to rent.
    We both have excellent credit, very high scores at least.......

    We are hoping to find a condo.

    Also, in case any Boise lurkers on here who want to knock me down -
    not knocking this place - it is very cool, but I grew up in OC and have many other friends there, family....
    There are still places out here (south OC) where your money goes a little farther... Rancho Santa Margarita is one and sometimes you can still find a smaller place, buy it, live in it for a while, build your own appreciation then move up as you acquire equity. Hey, there's always a way....

    I lived in Boise as a kid... I remember a lot of snow!

  12. #12
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    I also believe O.C. real estate is not a bubble

    Quote Originally Posted by jr711
    yeah i figured

    thanks
    To bad, we'd like move up from our condo to a house but the tax difference alone would be a huge difference.
    Oh well, South O.C. is a great place to live work and ride, I guess that's the reason a nice 2 bedroom condo goes for half a million, though I have seen older, small 2 bedroom condos with carports for the mid 300 thousand range.

    At any rate, if I were not already vested in the glorified apartment (condo) game I'd still live/rent and work here and try sock away as much cash and 401k as possible.

  13. #13
    Not because I'm fast.....
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    There isn't

    I had to leave OC and move to Colorado in 2003 to be able to afford a home and let my wife stay home with the kids. Plus, it's clusterf%^$ there anyway... too many people too much traffic. Yeah, that's right I said it and I was born and raised there for 32 years

    The Path bike shop is there though, that's about the only good thing left in OC.

  14. #14
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    Quote Originally Posted by 2farfwd
    it's clusterf%^$ there anyway... too many people too much traffic. Yeah, that's right I said it and I was born and raised there for 32 years

    The Path bike shop is there though, that's about the only good thing left in OC.
    Yeah, the Path is a good shop... but we other good things here as well... there are really good people here, the weather, there are great places to ride, a beautiful ocean, mountains and desert to enjoy... and yeah, there's traffic, polution, population, etc, etc; but, everyplace has it's problems... just glad you found a place you're happy at.

    Regards from SoCal....

  15. #15
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    Quote Originally Posted by Phishin Paul
    I moved to RSM from the midwest. I have never been an ocean guy, so living in the foothills is great. I can leave my house and hit O'neal park in 2 minutes. My wife and I have really enjoyed RSM, traffic is not as bad as other areas. If your looking for any night life, this is not the place to live. If your looking for a great place to live and hit the trails without having to put your bike on your car, this is the right place. Your right at the foothills to the Santa Anas, Holy Jim, Trabuco, Santiago, etc..
    yeah thats why i'm choosing RSM over Torrance. both jobs are very similar and both have a great atmosphere. a big plus for RSM is i like the area. i currently do a lot of mt biking in OC in the weekends. i mean mt biking isn't the priority but since both jobs are very similar, or at the moment seem similar. i might as well work where i may consider moving to one day.

    i'm single with no kids so i don't have those to worry about at the moment. i recently graduated, at this point i just want to gain valuable experience and learn as much as i can, and have some fun on the way.
    Last edited by jr711; 12-17-2005 at 12:25 AM.

  16. #16
    Not because I'm fast.....
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    You are right

    Quote Originally Posted by mtber3737
    Yeah, the Path is a good shop... but we other good things here as well... there are really good people here, the weather, there are great places to ride, a beautiful ocean, mountains and desert to enjoy... and yeah, there's traffic, polution, population, etc, etc; but, everyplace has it's problems... just glad you found a place you're happy at.

    Regards from SoCal....
    You are very right, there are many great things about the area, and the ocean and surfing are probably the things I miss most. I miss my friends and riding buddies too. Oh yeah, and the weather. Good points you make and I wish you much happiness as well.

  17. #17
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    Yep, great surfing in Orange County!

    Quote Originally Posted by 2farfwd
    You are very right, there are many great things about the area, and the ocean and surfing are probably the things I miss most. I miss my friends and riding buddies too. Oh yeah, and the weather. Good points you make and I wish you much happiness as well.
    Regards from Boise!
    (pic is from Oceanside so almost OC..)
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  18. #18
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    Quote Originally Posted by jr711
    most affordable area to live in OC?
    anywhere outside of it.

    So are you done with PoCal?

  19. #19
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    Colorado, bet that doesn't suck

    Quote Originally Posted by 2farfwd
    I had to leave OC and move to Colorado in 2003 to be able to afford a home and let my wife stay home with the kids. Plus, it's clusterf%^$ there anyway... too many people too much traffic. Yeah, that's right I said it and I was born and raised there for 32 years

    The Path bike shop is there though, that's about the only good thing left in OC.
    how much does a small house or nice 2 bedroom condo go for in your neck of the woods?

  20. #20
    Not because I'm fast.....
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    Colorado

    Quote Originally Posted by Bike Nazi
    how much does a small house or nice 2 bedroom condo go for in your neck of the woods?
    I've got a nice (built in 1994) 1700sqft house with a 650sqft unfinished basesment on a 7000sqft lot and I paid $228K. 15 minutes from Boulder, 20 minutes from Denver and there is killer riding everywhere.....can't beat it.
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    Last edited by 2farfwd; 12-18-2005 at 06:20 PM.

  21. #21
    Not because I'm fast.....
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    Quote Originally Posted by mtnbkrdr98
    Regards from Boise!
    (pic is from Oceanside so almost OC..)
    Thanks for that picture, I made it my background on the computer

  22. #22
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    Now that's what I'm looking for, it's time to bail on the Midwest and find some REAL riding!

  23. #23
    120 pounds of xc sex!
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    Good job! nice....

    CONGRATS JR!

    how about anahiem? they are areas of orangewood that are pretty affordable, and wont be that bad of a drive to that side.

    or just find a room to rent in in tusin for 400-500 too. (probably near the path)

    good luck mang!
    Team X-poser is back for 2006-

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  24. #24
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    Good job! The Path

    Quote Originally Posted by 2farfwd
    I had to leave OC and move to Colorado in 2003 to be able to afford a home and let my wife stay home with the kids. Plus, it's clusterf%^$ there anyway... too many people too much traffic. Yeah, that's right I said it and I was born and raised there for 32 years

    The Path bike shop is there though, that's about the only good thing left in OC.
    Just purchased a Turner frame from Tani when we were down at Thanksgiving,
    going to get it built up soon. I'm thinking this is the last cross country frame I will need
    for a very long time (becuase of it's good durability and design, NOT due to my age)

  25. #25
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    Grain of salt

    Hate to break it to you but there is no bubble in SoCal real estate in the next 5 years.
    This coming from a real estate agent, imagine that! When the median house price is 9 times the median income and it's much cheaper to rent than to buy (in the short run), something's bound to happen. I don't know about south OC, but LA market is showing signs of weakening. Not that I'm saying there is a bubble, but I wouldn't count on prices maintaining, especially if the interest rates go up with all the people on variable rates.

  26. #26
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    Find the closest one of these. They gotta have one somewhere in the OC. If you find it, you can hang with these fellas
    Last edited by bigdrunk; 03-21-2006 at 08:53 AM.

  27. #27
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    Quote Originally Posted by carbnjunkie
    CONGRATS JR!

    how about anahiem? they are areas of orangewood that are pretty affordable, and wont be that bad of a drive to that side.

    or just find a room to rent in in tusin for 400-500 too. (probably near the path)

    good luck mang!

    when are you moving down there?

  28. #28
    120 pounds of xc sex!
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    Good job! haha

    yah man, I got a job in norcal, so I may take it. its only 6 miles away from my bros place, so I could probably ride. (they actually will pay me to ride...so it sounds cool)

    I havent decided yet tho. you better find a place out there (in the OC), so we have a post ride place to kick it after the luge!

    btw man, you better book a room at the monterey hostel so you dont have to deal with the co-ed rooms again.....hahahahha
    Team X-poser is back for 2006-

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  29. #29
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    Quote Originally Posted by SoCalAl
    This coming from a real estate agent, imagine that! When the median house price is 9 times the median income and it's much cheaper to rent than to buy (in the short run), something's bound to happen. I don't know about south OC, but LA market is showing signs of weakening. Not that I'm saying there is a bubble, but I wouldn't count on prices maintaining, especially if the interest rates go up with all the people on variable rates.
    I think you're right...we are already seeing houses sit on the market for much longer than a year ago. Housing goes in cycles and it can't continue up forever....

  30. #30
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    i lived in southern california for a long time a recently moved last year to florida. we had a 4 bedroom 3 bath house in southern california which we sold 4 $800,000. if you can afford to even take a loan out on a house in southern california and hold on to it you should be able to resell it in a few years and get a bit extra cash. atleast that was the way it was for us, but im not sure how much higher prices are goina go up. But honestly what i think is that your moving in to late when prices are at a all time high and that are probably not goina go down anytime soon along the coast.

  31. #31
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    S. Cal Real Estate

    If you're taking a job offer in RSM, you might consider the other side of the mountain i.e., Murrieta, Wildomar, Elsinore, etc. Even though it's become Soccer Mom Hell (where everyone is "perfect" with their "perfect" little children and their "perfect" houses), the prices aren't too bad if you're not opposed to an hour drive over the Ortega's everyday (my husband drives from Murrieta to Ladera Ranch for work).

    Regarding the housing bubble: as a lender, I definitely see a softening market. I see prices falling all over the place. The past few months have been very slow for all my realtor, lender and appraiser friends, and I've seen many beautiful homes sit on the market for a very long time.

    Anyone need a good lender? Contact me directly! :~)

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  32. #32
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    This is coming from a Realtor...

    Quote Originally Posted by SoCalAl
    This coming from a real estate agent, imagine that! When the median house price is 9 times the median income and it's much cheaper to rent than to buy (in the short run), something's bound to happen. I don't know about south OC, but LA market is showing signs of weakening. Not that I'm saying there is a bubble, but I wouldn't count on prices maintaining, especially if the interest rates go up with all the people on variable rates.
    There is an annual cycle in real estate.... prices go up in the spring & summer and start back down in the fall and winter... this "softening" in the late fall and winter is a normal thing... fewer people want to move during this time ... homes stay on the market longer...
    thus sellers lower their expectations... as people start to want to move...homes sales start to pick up in the spring and the cycle starts all over again... we have had a positive appreciation for the last 14 years and one year (2004) was crazy appreciation at almost 30% in South Orange County. 2006 is projected to be another good year with appreciation at around 15%... so those $500,000 2 bedroom condos will be selling for $575,000 at the top of the market... they will "soften" b y the winter. The BEST time to buy is right now as prices are softening a bit as pointed out earlier. We've bought 7 places this year in Washington, South Carolina, Georgia, Arizona, South Orange County and yeah we're running a negative cash flow as rents are behind the price of homes in most parts of the US... but as the interest rates rise, people cannot afford to buy, have to rent and rents go up... now you're breaking even on your properties and letting others build your equity. That's why 95% of the millionairs in America made their money through real estate. You can still do it, just takes more money to get into the game!

    My 2 cents....

  33. #33
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    Quote Originally Posted by mtber3737
    Hate to break it to you but there is no bubble in SoCal real estate in the next 5 years. Too much demand and too many people with money, low interest rates and plenty of jobs. The OC economiy will keep perking along for years to come. The prices may flatten and retreat slightly as real estate is cyclical but in most cases you can't save fast enough to overcome the appreciation. Last year we had 24.7% appreciation... most of the economists said that we would suffer a 7% decline in prices. We at about about 18% this year... the economists had predicted a 10-12% decline in prices. The National Board of Realtors is predicing about a 15% appreciation for 2006... most economists are saying that although they've been wrong for the last 5 years now and have no credibility, they are predicting a 12% decrease in home prices... who are you going to believe???
    I would suggest you get together with a couple of friends and buy something... anything, then hold on for a year or two and start leveraging up. That's how people are now living in million dollar houses.

    My 2 cents....

    Old Man Riding... also a Realtor in South OC
    You took the words right out of my mouth. I take it you wnt to see Mr. Watts at OCAR. Who are you with? I'm with First Team.

    CG
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  34. #34
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    Quote Originally Posted by PhotoMom
    If you're taking a job offer in RSM, you might consider the other side of the mountain i.e., Murrieta, Wildomar, Elsinore, etc. Even though it's become Soccer Mom Hell (where everyone is "perfect" with their "perfect" little children and their "perfect" houses), the prices aren't too bad if you're not opposed to an hour drive over the Ortega's everyday (my husband drives from Murrieta to Ladera Ranch for work).

    Regarding the housing bubble: as a lender, I definitely see a softening market. I see prices falling all over the place. The past few months have been very slow for all my realtor, lender and appraiser friends, and I've seen many beautiful homes sit on the market for a very long time.

    Anyone need a good lender? Contact me directly! :~)

    PhotoMom
    Corona would be another option. There are some great very affordable homes out there and with all the development (both commercial and residential) they will see some very high aprreciation rates over the next few years.
    Chris G
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  35. #35
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    Quote Originally Posted by MTB_Dad
    You took the words right out of my mouth. I take it you wnt to see Mr. Watts at OCAR. Who are you with? I'm with First Team.

    CG
    Yeah, I'm a believer in Gary Watts... he's been right for the last 14 years where so many have been wrong... it's almost laughable. Because of his record, he's getting quoted a lot more press in the newspapers.

    I dropped out of corporate America a little over 4 years ago and joined my wife ...a Realtor of 21 years... and haven't looked back since. It's really satifying to get young couples into their first place when they didn't think they ever could buy in OC. I enjoy it almost as much as I enjoy single track...

    I said ... almost!

    A man's got to have his priorities....

  36. #36
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    Quote Originally Posted by mtber3737
    Yeah, I'm a believer in Gary Watts... he's been right for the last 14 years where so many have been wrong... it's almost laughable. Because of his record, he's getting quoted a lot more press in the newspapers.

    I dropped out of corporate America a little over 4 years ago and joined my wife ...a Realtor of 21 years... and haven't looked back since. It's really satifying to get young couples into their first place when they didn't think they ever could buy in OC. I enjoy it almost as much as I enjoy single track...

    I said ... almost!

    A man's got to have his priorities....
    I made the jump just under a year ago after 15 years in IT sales. I did it exactly for the reasons you mentioned. Where is your "local"? I'm a 10 minute ride from Aliso/Wood Canyon. I did SJT last week, it's in great shape.
    Chris G
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  37. #37
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    Closer than you think....

    Quote Originally Posted by MTB_Dad
    I made the jump just under a year ago after 15 years in IT sales. I did it exactly for the reasons you mentioned. Where is your "local"? I'm a 10 minute ride from Aliso/Wood Canyon. I did SJT last week, it's in great shape.
    I live about 7 minutes from AW... I'm actually on the SHARE Trail Assistance Patrol there. Trying to get over later today for a late afternoon patrol. Spent all day yesterday doing Warrior trail work on Trabuco Canyon & Holy Jim Trails... getting ready for Vision Quest.

    Yep, the SJT is in great shape right now.... and FYI: Jeff Steber (Intense) has been testing 29" FS bikes on the SJT lately... If you see someone riding a bike painted in camoflaged colors..it's Intense.

    Ride-on....

  38. #38
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    Quote Originally Posted by MTB_Dad
    I made the jump just under a year ago after 15 years in IT sales. I did it exactly for the reasons you mentioned. Where is your "local"? I'm a 10 minute ride from Aliso/Wood Canyon. I did SJT last week, it's in great shape.

    Hey guys,

    If any of you realtors need a great lender, I'm available. I process and close my originations and I'm second generation in my family. We are straight up. No games, no BS for you or your clients.

    PM me and I'll give you my contact info.

    Thanks,

    PhotoMom
    http://www.JodyGomez.com Someone please teach me to shoot!

    Quote Originally Posted by rapwithtom
    If you start a race confident you'll podium, you're a sandbagger.

  39. #39
    Mouse's Mom
    Reputation: PhotoMom's Avatar
    Join Date
    Jun 2005
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    436
    Quote Originally Posted by MTB_Dad
    Corona would be another option. There are some great very affordable homes out there and with all the development (both commercial and residential) they will see some very high aprreciation rates over the next few years.

    Good idea. Plus you could ride Blackstar if you lived in Corona.

    PhotoMom
    http://www.JodyGomez.com Someone please teach me to shoot!

    Quote Originally Posted by rapwithtom
    If you start a race confident you'll podium, you're a sandbagger.

  40. #40
    Whig party member
    Reputation: FreeRiderFraser's Avatar
    Join Date
    Apr 2004
    Posts
    234
    anahiem, the ghettos of Costa Mesa or fullerton

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