Instead I focus on massive gains.

Not only was I able to contribute tens of thousands of dollars worth of items to charity, but I received massive tax benefits at a fraction of the cost. 

There is simply a massive amount of them, everywhere causing a rise in the overall stats (this point was made with Honda Accords before, but that stat has since changed).I understand that your insurance company restricts certain breeds and we cannot get around that.

Warren buffets rule is to never lose money aka the principle...

I personally prefer being close in (I can walk to one bldg and am 7 minute drive to my others :) So I personally vote for Tracy, and ride the coattails of the massive South Bay tech economy.

When I first moved to the Bay Area 4 years ago, I could already see the trend starting in first first year of living here...a massive influx of people, jobs continuing to devlop, etc.  

Warren Buffet takes this a step further, and recommends index funds, which are the simplest in terms of diversification and tend to be lowest expenses.

Second, this lien would be extinguished via foreclosure but that means reperformance is not really possible because it would be reperforming with a massive lien that's double the value of the home.

A large part of the reason for this is the massive migration of Bay Area transplants who are looking for more affordable living.

Bonus points to me for taking massive action and getting off the X, but not necessarily the best I could have done if I would have educated myself a bit more first...:) "Action * Education = Success", and all that:).