tag:blogger.com,1999:blog-84494251533448850202024-03-06T12:01:05.432-08:00Housing Bubble Hall of Shame®Who is responsible for the Housing Bubble? Policy makers, press, investors, wallstreet, mortgage lenders, builders, realtors, appraisers, buyers, flippers, sellers, ... ? They all had a hand in it, but lets pay tribute to some of the more notable or public displays of bubble mania.
*All inductees are innocent of a crime until proven guilty in a court of law. *Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.comBlogger278125tag:blogger.com,1999:blog-8449425153344885020.post-86731534709417962012012-12-16T18:56:00.002-08:002012-12-16T18:56:35.508-08:00Ventura County Busted<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpsAQfsA_czSmkb5409cz5AZ-cNb9_z-Jz6JY5zCDnwgWgJb6TpM5Gn9oGCyESPw9i47spnzlP_yecRaE4qYGBg2Bj9frPaP6spcBkbHsxER9f93X3AxRH6hD2fzWtNt9m2EYG3dehXJE/s1600-h/clipping_coupons_for_home_ownership.jpg"><img alt="" border="0" id="BLOGGER_PHOTO_ID_5280588906726249218" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpsAQfsA_czSmkb5409cz5AZ-cNb9_z-Jz6JY5zCDnwgWgJb6TpM5Gn9oGCyESPw9i47spnzlP_yecRaE4qYGBg2Bj9frPaP6spcBkbHsxER9f93X3AxRH6hD2fzWtNt9m2EYG3dehXJE/s200/clipping_coupons_for_home_ownership.jpg" style="float: left; height: 113px; margin: 0px 10px 10px 0px; width: 180px;" /></a><br /><br />It's official... a crippling loss.<br />
See <a href="http://realestaterecord.blogspot.com/2008/12/ventura-county-blues.html">Ventura County Blues</a><br />
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<a href="http://www.zillow.com/homedetails/1793-Wolverton-Ave-Camarillo-CA-93010/16368934_zpid/">1793 Wolverton Ave</a>, Camarillo CA 93010<br />
3 beds, 2.0 baths, 1,229 sq ft<br />
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<strong>Sale History:</strong>05/25/2007: <strong style="font-weight: normal;">$512,000</strong><br />
For Sale:<span class="value" id="yui_3_4_1_1_1329635907151_2248"><span style="font-weight: bold;"> </span>$337,900</span><span style="color: red;"> <span style="color: black;">(2/18/12)</span></span><br />
<span style="color: red;"><span style="color: black;"><strong>Sold: $300,000</strong> on 10/3/12</span><br />$300,000 - $512,000 = <span style="font-weight: bold;">-$212,000, -42%</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzhplYsLLfzUHIPZ76YfXaNCjc2Q2JfFYpEMTwR_lNNFiFiUPfZB5SkgTFYwCvrb3YCWerikT26BLBbYuGJiHS0-8enV4b_sjRe-SvR6K27CrN4HVM7sJMrJSaPa75EmN1cU2GKLLDSL0/s1600/Wolverton_Sold_2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="205" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzhplYsLLfzUHIPZ76YfXaNCjc2Q2JfFYpEMTwR_lNNFiFiUPfZB5SkgTFYwCvrb3YCWerikT26BLBbYuGJiHS0-8enV4b_sjRe-SvR6K27CrN4HVM7sJMrJSaPa75EmN1cU2GKLLDSL0/s400/Wolverton_Sold_2.png" width="400" /></a></div>
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Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-4470421313818673402012-02-18T23:16:00.000-08:002012-02-19T17:58:23.806-08:00Ventura County Bust<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpsAQfsA_czSmkb5409cz5AZ-cNb9_z-Jz6JY5zCDnwgWgJb6TpM5Gn9oGCyESPw9i47spnzlP_yecRaE4qYGBg2Bj9frPaP6spcBkbHsxER9f93X3AxRH6hD2fzWtNt9m2EYG3dehXJE/s1600-h/clipping_coupons_for_home_ownership.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 180px; FLOAT: left; HEIGHT: 113px" id="BLOGGER_PHOTO_ID_5280588906726249218" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpsAQfsA_czSmkb5409cz5AZ-cNb9_z-Jz6JY5zCDnwgWgJb6TpM5Gn9oGCyESPw9i47spnzlP_yecRaE4qYGBg2Bj9frPaP6spcBkbHsxER9f93X3AxRH6hD2fzWtNt9m2EYG3dehXJE/s200/clipping_coupons_for_home_ownership.jpg" /></a>Here is a blast from the past. Remember this family from Ventura that had to "buy" a home?<br />See <a href="http://realestaterecord.blogspot.com/2008/12/ventura-county-blues.html">Ventura County Blues</a><br /><br />Buying isn't always better than renting. Perhaps they managed to clip $174K worth of coupons. Anyway, it appears that their home-ownership amounted to renting at $2,900 / month for the loss, plus their mortgage payment of $3,500 / month, for a grand total of $6,400 / month.<br /><br /><a href="http://www.zillow.com/homedetails/1793-Wolverton-Ave-Camarillo-CA-93010/16368934_zpid/">1793 Wolverton Ave</a>, Camarillo CA 93010<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaMY056hsOpLrGDkJYQqRB7rpXDL2FpbI-lZhFd1stIZU26J2OzLRFNaTm7j8lvMhy9dQ-efgGpTwnFtwJvkGjcVJBCOl3-oZxuzHscdqmnqVco4XebWMNJ4RcQvPSwFpGz7vNJ9CQD8I/s1600/Wolverton.jpg"><img style="MARGIN: 0pt 0pt 10px 10px; WIDTH: 200px; FLOAT: right; HEIGHT: 150px; CURSOR: pointer" id="BLOGGER_PHOTO_ID_5710745459267546034" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaMY056hsOpLrGDkJYQqRB7rpXDL2FpbI-lZhFd1stIZU26J2OzLRFNaTm7j8lvMhy9dQ-efgGpTwnFtwJvkGjcVJBCOl3-oZxuzHscdqmnqVco4XebWMNJ4RcQvPSwFpGz7vNJ9CQD8I/s200/Wolverton.jpg" /></a><br />3 beds, 2.0 baths, 1,229 sq ft<br /><br /><strong>Sale History<br /></strong>05/25/2007: <strong style="FONT-WEIGHT: normal">$512,000</strong><br />For Sale:<span id="yui_3_4_1_1_1329635907151_2248" class="value"><span style="FONT-WEIGHT: bold"> </span>$337,900</span><span style="COLOR: rgb(255,0,0)"> <span style="COLOR: rgb(0,0,0)">(2/18/12)</span><br />$337,900 - $512,000 = <span style="FONT-WEIGHT: bold">-$174,100</span><br /></span><br /><div style="TEXT-ALIGN: center"><br /><div style="TEXT-ALIGN: left">(assuming it sells for $337K)<br /></div><br /></div><strong></strong><br /><embed height="300" type="application/x-shockwave-flash" width="400" src="http://gallery.venturacountystar.com/mediaplayer.swf" allowscriptaccess="always" allowfullscreen="true" flashvars="width=400&height=300&file=/staffVideos/middle1208.flv&image=http://gallery.venturacountystar.com/staffVideos/236.jpg"></embed>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-27434220688856932412011-08-07T16:00:00.000-07:002011-08-07T16:04:20.508-07:00Ashley Long, Part 3<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5OatHeUTLfvHS0KJ2WxpES1l0HTqN_RPaE7XN4nbVYy3-go3CHMKPa7SBzDh_a37F3QUBw9lv03nJFBr2puQinzX4WBOpfgb9fpHnb0dWpAnNmeog6RWy5yBgThMcEJju6O9VUrc8OPE/s1600/7108_Hastings.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 148px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5637931438339337842" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5OatHeUTLfvHS0KJ2WxpES1l0HTqN_RPaE7XN4nbVYy3-go3CHMKPa7SBzDh_a37F3QUBw9lv03nJFBr2puQinzX4WBOpfgb9fpHnb0dWpAnNmeog6RWy5yBgThMcEJju6O9VUrc8OPE/s200/7108_Hastings.jpg" /></a><strong><span style="color:#6600cc;">Ashley Long</span></strong>, Home Buyer / Knife Catcher<br />This was from an article featured on Jan 1, 2008, <a href="http://realestaterecord.blogspot.com/2008/01/ashley-long.html">Ashley Long Part I</a>. These mainstream media bubble articles don't provide any closure. Let's see how this one turned out.<br /><br /><br />This <strike>buyer</strike> gambler thought...<br />“<em><strong><span style="color:#000099;">I got a pretty good deal</span></strong>. I know this is a low market and <strong><span style="color:#000099;">the house is worth more than that</span></strong></em>,”<br />and<br />“<em>It’s the only time I’m going to be able to afford to buy in Sonoma County</em>,”<br />and<br />“<em><strong><span style="color:#000099;">I can’t imagine it going down a lot lower</span></strong>, and eventually it has to come back up. I don’t want to gamble</em>.”<br /><br />Well, let's see how much lower it is NOW!<br /><br />Here is the house:<br /><a href="http://www.zillow.com/homedetails/7108-Hastings-Pl-Windsor-CA-95492/15862181_zpid/">7108 Hastings Pl</a>, Windsor, CA<br />4 beds, 3.0 baths, 2,032 sq ft<br />APN: 163-120-052-000<br />Sale History:<br />03/13/1998: $222,500<br />12/07/2007: $470,000<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz-HKdlVbwyCX3SS7qoMcfDfCmpqWGWZzshQqmbOHq0Qf-N8b66al8SayhMtXneqTFk8yidsuM_CQZRFv5IW_fzs0F8W-ipnx0bQkemHokMTq4xWDPQVYWnXycdWLXaYU8AiqquA_2ehs/s1600/Snake_eyes.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 159px; FLOAT: right; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5637932533027084018" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz-HKdlVbwyCX3SS7qoMcfDfCmpqWGWZzshQqmbOHq0Qf-N8b66al8SayhMtXneqTFk8yidsuM_CQZRFv5IW_fzs0F8W-ipnx0bQkemHokMTq4xWDPQVYWnXycdWLXaYU8AiqquA_2ehs/s200/Snake_eyes.jpg" /></a><br />What is interesting is that Zillow shows a Sale listed months after the initial purchase.<br /><br />02/01/2008 Listed for sale $485,000<br />03/07/2008 Listed for sale $485,000<br />07/11/2011 Listed for sale <strong>$345,000</strong><br /><br />$470,000 - $345,000 =<br /><strong><span style="color:#ff0000;">$125,000</span></strong> <strong><span style="color:#ff0000;">(-26%</span></strong>)<br /><br />Is that a "<em>lot lower</em>"?Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-31759616843535997422011-08-02T18:04:00.000-07:002011-08-02T18:13:58.385-07:00Jim Sinclair's Gift<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEaWTJ_DTlTjGo9nnIiH5znWNQHZKv_tRt-6kaRO0v-3sk_ssBEDOTL4X7SUYLjWaFWoDifY3HDi3Yk5YcwbUpWcG65CJ3eZqE4i_XJo6rJ1WDdBUqv8UuOE8bJ5k1m9TYw3H-9NZAtD8/s1600/gold_1650.gif"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 254px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5636430695601127138" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEaWTJ_DTlTjGo9nnIiH5znWNQHZKv_tRt-6kaRO0v-3sk_ssBEDOTL4X7SUYLjWaFWoDifY3HDi3Yk5YcwbUpWcG65CJ3eZqE4i_XJo6rJ1WDdBUqv8UuOE8bJ5k1m9TYw3H-9NZAtD8/s400/gold_1650.gif" /></a> Jim Sinclair said to write this down back in 2008. What fascinated me is that he not only said it would happen, but that he provided a date. But he was calling for this long before Dec '08. And if his next prediction becomes reality, are you prepared?<br /><br />Read on...<br /><a href="http://jsmineset.com/index.php/about/">Jim Sinclair's MineSet</a><br /><br /><strong>2008-12-28</strong>: <a href="http://jsmineset.com/index.php/2008/12/28/a-gift-from-jim/">A Gift From Jim</a><br /><em>Dear Friends,<br />Here is my New Years gift to you, my extended family.<br /><br />There is no way that the CONSEQUENCES of the largest creation of paper money since it was invented can be avoided or even modified. Odds now favor Alf Field’s price objective (</em><a href="http://www.321gold.com/editorials/field/field112508.html"><em>Elliott Wave Gold Update 23</em></a><em>, bonus article </em><a href="http://www.321gold.com/editorials/field/field111308.html"><em>Crisis Cogitations</em></a><em>).<br /><br />January 14th 2011 to June 21st, 2012:<br />The best part of this gift is not the one you already know, which is January 14th 2011 (Sinclair: gold will trade at a minimum of $1650 on or before January 14th 2011), but rather the date that <strong><span style="color:#000099;">a new currency form will replace the form of the US dollar as you know it today which is the third week of June 2012</span></strong>.<br /><br />Don’t laugh! Write this down and do not forget about it!<br /><br />Happy (sort of) New Year,<br />Jim </em>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-45979763712186454582011-07-06T04:54:00.001-07:002011-07-06T05:29:58.139-07:00Cami Noble - Throw More Money at it!!<strong><span style="color:#993399;">Cami Noble</span></strong>, House Renter / Debt Slave / Government Servant<br />Now the government is giving out interest free loans to people behind on their mortgage. But if you look at the numbers, it just doesn't work.<br /><br /><br /><object height="261" width="420"><param name="movie" value="http://www.youtube.com/v/QYuAAI97Ais?version=3&hl=en_US&rel=0"><param name="allowFullScreen" value="true"><param name="allowscriptaccess" value="always"><br /><br /><embed src="http://www.youtube.com/v/QYuAAI97Ais?version=3&hl=en_US&rel=0" type="application/x-shockwave-flash" width="420" height="261" allowscriptaccess="always" allowfullscreen="true"></embed></object><br /><br />Here is a perfect example from the video. Her mortgage is $4,000/month. Zillow shows a rent estimate of $2500/month, which is still obscene.<br /><br /><a href="http://www.zillow.com/homedetails/6710-Percethony-Ct-Alexandria-VA-22315/51972138_zpid/#{scid=hdp-site-map-bubble-address}">6710 Percethony Ct<br /></a>Alexandria, VA 22315<br />3 bd, 2.5 ba <strong>CONDO</strong><br /><br /><strong>Sales History:</strong><br />04/26/2005 <strong><span style="color:#ff0000;">$643,000 <<< CONDO<br /></span></strong>03/10/2000 $300,000Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-78848677013806560952011-01-24T18:09:00.000-08:002011-01-24T19:53:27.020-08:00Student Loan Defaults<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLnQURoacAgOif_wdXsrUNyCz1iFptipSH93ZlFtkSrrQgoNcYZYeDO6GrglAkKaTYOTh3tO6u1QvufB16u0KNNd6-B6Ocr3BGu8eV0AGhXxAV3Jea_uYa-1KVny1t99T33c8yHtWT2Yk/s1600/shackles.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 170px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5565940941527465986" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLnQURoacAgOif_wdXsrUNyCz1iFptipSH93ZlFtkSrrQgoNcYZYeDO6GrglAkKaTYOTh3tO6u1QvufB16u0KNNd6-B6Ocr3BGu8eV0AGhXxAV3Jea_uYa-1KVny1t99T33c8yHtWT2Yk/s200/shackles.jpg" /></a><br /><br /><strong><span style="color:#6600cc;">$58B in default<br />7% default rate<br /></span></strong><br />And, as he states, "<em>you can't get rid of a student loan debt in a bankruptcy proceeding</em>".<br /><br />Enslaved youth of america.<br /><br /><iframe class="youtube-player" title="YouTube video player" height="263" src="http://www.youtube.com/embed/V3tgyGen-TM" frameborder="0" width="432" type="text/html"></iframe><br /><br /><strong>Video #</strong>2: <a href="http://www.youtube.com/watch?v=v7tJSPMCvmY">Ninja Generation & Student Loan Debt</a><br />.Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com2tag:blogger.com,1999:blog-8449425153344885020.post-50418070777022540992011-01-22T21:40:00.000-08:002011-01-22T22:28:41.186-08:00David Crisp, Part 5<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbpu3i0lVm4g28Sa-tHvvMsDLQFqN50PYRwQeJYJ5bwXyRQDv5IzKTwomtVmNuNE2HkggN7EH3na5ASo7hPWx1GOM_JYvHN77iS7ZG6TxUt556YiO2nPXwLMpsxPrfBEI9GfCySqushsc/s1600/gallows.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 134px; FLOAT: left; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5565254112671632162" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbpu3i0lVm4g28Sa-tHvvMsDLQFqN50PYRwQeJYJ5bwXyRQDv5IzKTwomtVmNuNE2HkggN7EH3na5ASo7hPWx1GOM_JYvHN77iS7ZG6TxUt556YiO2nPXwLMpsxPrfBEI9GfCySqushsc/s200/gallows.jpg" /></a><strong><span style="color:#6600cc;"><br />David Crisp</span></strong>, Formerly of Crisp & Cole<br /><br />The noose is getting closer!!<br /><br /><br />What timing. I posted Part 4 on Jan 16, and here is what Crisp & Cole get on Jan 21.<br />(thanks, AuAgPb--three of my most favorite metals, by the way)<br /><br /><br /><br /><br /><strong>2011-01-21</strong>: <a href="http://www.bakersfield.com/news/local/x1260937176/Crisp-Cole-Nine-of-10-defendants-appear-in-court-eight-released-from-custody">Crisp & Cole: Nine of 10 defendants appear in court</a><br /><em>Nine of 10 defendants named in the Crisp & Cole mortgage fraud indictment unsealed Friday pleaded not guilty to the charges against them. <strong><span style="color:#000099;">The one exception was real estate executive David Crisp, whose arraignment before a U.S. magistrate judge was scheduled for Monday</span></strong>.<br /><br />Eight of the nine who entered pleas Friday were released on their own recognizance on various conditions, including a requirement that they appear before a U.S. district judge for a status conference at 9 a.m. Feb. 11 in Fresno.</em><br /><br /><strong>2011-01-21</strong>: <a href="http://www.bakersfield.com/special_sections/crispcole/x1515766520/Crisp-Cole-A-timeline-of-events">Crisp & Cole: A timeline of events<br /></a><br /><strong>2011-01-21</strong>: <a href="http://www.msnbc.msn.com/id/41200463/ns/local_news-san_diego_ca/">10 Indicted in $20M Real Estate Scam </a><br /><em>Ten people have been indicted in a <strong><span style="color:#000099;">$20-million wide-ranging real estate scam</span></strong> in California, according to the U.S. Attorney.<br /><br /><strong><span style="color:#000099;">David Crisp, 31, was arrested Thursday night in San Diego</span></strong>. Carlyle <strong><span style="color:#000099;">Cole, 63, was arrested Thursday night in Ventura County</span></strong>. <strong><span style="color:#000099;">Julie Farmer</span></strong>, 42, <strong><span style="color:#000099;">Sneha Mohammadi</span></strong>, 49, <strong><span style="color:#000099;">Jayson Costa</span></strong>, 38, <strong><span style="color:#000099;">Jeriel</span> Salinas</strong>, 29, <strong><span style="color:#000099;">Michael Munoz</span></strong>, 31, and<strong><span style="color:#000099;"> Caleb Cole</span></strong>, 35, were arrested Thursday in Bakersfield. <strong><span style="color:#000099;">Robinson Nguyen</span></strong>, 30 was arrested Thursday in Monterey and <strong><span style="color:#000099;">Jennifer Crisp</span></strong>, 29, surrendered to authorities on Friday <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2r9Kl2_mF1yetBF8hcNCQ9pZngbrEIeNTdt5FL2O3wARfLKwQkzJyYAEPjV7ud1bGit56DOPGOpoCo12ZtibKOW-v_gh102nitiu-JW1qXqtyWXfnl67OKrlkCIWPeTV6iF-NacmSV6A/s1600/crisp_cole.jpg"></a>morning. <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOz3JovkfGiud4TLn5GJUbJj5jh79Z5RrM0c0N4yBwE0UGr2sZsS02esPHfGPquS_UfS9xLwM1-cOUrcpqwfxEcb-d5v5fnl5ZccxYpMzPaD4YILMrE-fYs2zl7tJDsAyySondfGctay4/s1600/David_Crisp.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 200px; FLOAT: right; HEIGHT: 128px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5565255505914502146" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOz3JovkfGiud4TLn5GJUbJj5jh79Z5RrM0c0N4yBwE0UGr2sZsS02esPHfGPquS_UfS9xLwM1-cOUrcpqwfxEcb-d5v5fnl5ZccxYpMzPaD4YILMrE-fYs2zl7tJDsAyySondfGctay4/s200/David_Crisp.jpg" /></a><br /><br />The 10 are being charged in a 56-count indictment with conspiracy to commit bank, mail and wire fraud, and with individual counts of mail fraud.</em><br /><em></em><br /><strong>2011-01-21</strong>: <a href="http://www.bakersfield.com/news/local/x1260937147/Crisp-Cole-A-whos-who-in-the-case">Crisp & Cole: A who's who in the case<br /></a>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-42559986979460162252011-01-16T20:08:00.000-08:002011-01-16T20:19:18.829-08:00David Crisp, Part 4<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2ryv6KxAXlBBSQzafQotATh0Hs285pOKVBrWF-LH_VnWIGvziZxhHPCkxoRAE4V6qklAa2daVMPqrNZ9kBn-Ls7SpAlvFgAc_ac5N6f5pDW870LAgjfdMHeO5Qqypfshl_21fi1OHO3Y/s1600/crisp_cole.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 134px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5563004379650208258" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2ryv6KxAXlBBSQzafQotATh0Hs285pOKVBrWF-LH_VnWIGvziZxhHPCkxoRAE4V6qklAa2daVMPqrNZ9kBn-Ls7SpAlvFgAc_ac5N6f5pDW870LAgjfdMHeO5Qqypfshl_21fi1OHO3Y/s200/crisp_cole.jpg" /></a><strong><span style="color:#6600cc;">David Crisp</span></strong>, Formerly of Crisp & Cole<br /><br />The noose continues to tighten!!!<br /><br />Ok, I'm a bit behind on the stories, but I'm not going to forget. These two (Crisp & Cole) were main characters in the Housing Bubble Drama, and we will watch them face justice.<br /><br /><strong>2010-07-01</strong>: <a href="http://www.bakersfield.com/news/business/realestate/x457515363/Fifth-guilty-plea-entered-in-Crisp-Cole-fraud-case">Fifth guilty plea entered in Crisp & Cole fraud case</a><br /><em>Christopher Lance Stovall, formerly a loan officer with the mortgage lending arm of Crisp, Cole & Associates, entered a guilty plea in federal court Thursday as part of a plea deal in a mortgage fraud investigation.<br /><br />Stovall is the fifth person to take a deal in the case. None of them have been sentenced, however. Investigators have asked the court to delay sentencing to give the defendants time to cooperate with authorities in the ongoing investigation.<br /><br />Stovall, 37, looked boyish despite his bald head and goatee as Judge Oliver Wanger asked him if he understood the terms of each point of the agreement, which was read aloud at the hearing in U.S. District Court, Eastern District of California in Fresno.<br /><br />To each question, Stovall replied simply, "yes."<br /><br />When the judge asked how he pleaded to four counts of felony mail fraud and aiding and abetting, Stovall said, "guilty," then shifted his weight from one foot to the other and looked down at the courtroom's blue carpet.<br /></em>...<img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 150px; DISPLAY: block; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5563003678578516946" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiCn7zcKQmfzms_n-CsLL3PGmEtz74b_j-veUyQoMcpaFkBR87E2WPjqzwrfjRj5yjOOjzZipp1cN1NjE89lLJUj7sBdJSO67yEtnzRJ_4jPODElE0DBpu4_xDbnz_av-HRWLSHA0-uMw/s200/noose.jpg" />Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com1tag:blogger.com,1999:blog-8449425153344885020.post-79255507330286554622010-12-05T18:36:00.000-08:002011-01-06T19:57:22.078-08:00A New Low in High College Debt<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGj1Ne8J0FscRQaVb3rJcqUevN33NQV4i_tYL-2U0NL33olMB4sQsdsJuA0Anyd-1_69bZkxA4ARw8Kcu7cCkzDlqrsWPOQAvD64nYRL9NqCnpt77sF5S5ZCLgVlz_S_Ws_iCfnWskvyA/s1600/Kelli_Space.bmp"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 172px; FLOAT: left; HEIGHT: 225px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5559287917351144290" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGj1Ne8J0FscRQaVb3rJcqUevN33NQV4i_tYL-2U0NL33olMB4sQsdsJuA0Anyd-1_69bZkxA4ARw8Kcu7cCkzDlqrsWPOQAvD64nYRL9NqCnpt77sF5S5ZCLgVlz_S_Ws_iCfnWskvyA/s400/Kelli_Space.bmp" /></a><strong><span style="color:#6600cc;">Kelli Space (-cadet)</span></strong><br />This is absolutely beyond belief. The ignorance in believing an education justifies this kind of expense and debt is mind-blowing. But to help defray the cost of this degree in sociology, she has a website where you can contribute to paying off her debt. Her site is called <a href="http://twohundredthou.com/">twohundredthou.com </a>-- how sickening. Perhaps I should start a site where people could contribute towards the purchase of gold bullion, for myself, of course.<br /><br />The USA truly deserves a hyperinflation event to wipe out debt, pensions, savings, etc. It will take a life-changing event to wake people up to reality.<br /><br />As she states on her site:<br /><em>I was 18 and the first person in my family (including extended family!) to attend college. <strong>Therefore</strong>, not only was excitement consuming me, but my parents didn't exactly know how college would or wouldn't affect my salary in the future.<br /></em><br />Therefore? Huh? Clearly, the family needed someone with an accounting degree. Hopefully, she's the last to attend college, and perhaps they took the manual from her family on procreating.<br /><br /><strong>2010-12-03</strong>: <a href="http://finance.yahoo.com/college-education/article/111460/is-the-college-debt-bubble-ready-to-explode">Is the College Debt Bubble Ready to Explode?</a> (YES)<br /><em>Kelli Space, 23, graduated from Northeastern University in 2009 with a <strong><span style="color:#000099;">bachelor's in sociology</span></strong> — and a whopping <strong><span style="color:#000099;">$200,000 in student loan debt</span></strong>. Space, who lives with her parents and works full-time, put up a Web site called <a href="http://twohundredthou.com/">TwoHundredThou.com </a>soliciting donations to help meet her debt obligation, which is $891 a month. That number jumps to $1,600 next November.<br /><br /><br /></em><em></em><em></em><em><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 194px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5547395199402184834" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLW8haYZxCm0aC9iOtE6QYUYCCugin1fYdU6n30rgEDZD3LtARmth6PDibzn7qbNCOFwIVY_LvlM50R_oUcmO4Dwp72FMAF0PoenJOCp7K6c6KxsyXWI6k6XUEW8Ew46FbtN55w7a_JPg/s400/tumblr.jpg" />In creating the site, Space, of course is hoping to ease her financial burden, but it's "mainly to inform others on the dangers of how quickly student loans add up," she said. So far she's raised $6,671.56, according to her site. </em><br /><br /><em>Space is just one example — albeit an extreme one — of a student loan bubble that may be about to burst. Over the last decade, private lenders, abetted by college financial aid offices, eagerly handed young people hundreds of thousands of dollars to earn bachelor's degrees. As a result of easy credit, declining grants and soaring tuitions, more than two-thirds of students graduated with debt in 2008 — up from 45 percent in 1993. The average debt load is $24,000, according to the Project on Student Debt.<br />... </em>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com1tag:blogger.com,1999:blog-8449425153344885020.post-89570986315334061342010-11-20T19:54:00.000-08:002010-11-20T20:18:07.847-08:00Going, Going, Sweet Equity Gone!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIfJ390FaM3U94e9AGSLDXJjC0uC6kG24HhaKuS7QMJYJ6RA7xCWDj6osw6YM6I08t1Lj5B-5p2ZBRklPVpj88l3fZwkMYydGEtuwz0G3PC7V_3aAePyCvEpvaHHe1GYaR52u8QM3BDFw/s1600/Whittey_House.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5541851481489398578" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIfJ390FaM3U94e9AGSLDXJjC0uC6kG24HhaKuS7QMJYJ6RA7xCWDj6osw6YM6I08t1Lj5B-5p2ZBRklPVpj88l3fZwkMYydGEtuwz0G3PC7V_3aAePyCvEpvaHHe1GYaR52u8QM3BDFw/s200/Whittey_House.jpg" /></a><br /><div>It's the final chapter for Mr. Marshall Whittey. He was one of the poster children for better living through tapping home equity, telling his story on the pages of the <a href="http://www.nytimes.com/2007/11/08/business/08borrow.html?_r=2&ref=myrealestatemoney.com/RENEWS&oref=slogin">NY Times</a>. But his story is not unique. The sweet home equity of the housing bubble created a thriving economy, enabling an entire nation to live beyond its means. Unfortunately, all ponzi schemes must come to an end. And now, three years after the NY Times story, Mr. Whittey must give up his primary residence, which is deeply under water.<br /><div><div><div><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXw_-LFCxC7zM3M6ao2fr9ZCRrFF1zqg5VFQ47K624zVsLLZ19YVrp0GrfWUCvw1KNxkffI6RoI5sGpboRYAd_-iAn86CdTrq_N8K2TZjAk7_xmO9E4-eJPq_PYKG46nSgrap7fKwmASI/s1600/Whittey_TV.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 200px; FLOAT: right; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5541851214975796034" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXw_-LFCxC7zM3M6ao2fr9ZCRrFF1zqg5VFQ47K624zVsLLZ19YVrp0GrfWUCvw1KNxkffI6RoI5sGpboRYAd_-iAn86CdTrq_N8K2TZjAk7_xmO9E4-eJPq_PYKG46nSgrap7fKwmASI/s200/Whittey_TV.jpg" /></a><strong>2007-11-10</strong>: <a href="http://realestaterecord.blogspot.com/2007/11/marshall-whittey.html">Marshall Whittey</a><br /><strong>2009-08-23</strong>: <a href="http://realestaterecord.blogspot.com/2009/08/sweet-home-equity-gone-sour.html">Sweet Home Equity Gone Sour<br /></a><br />Personal Residence:<br /><a href="http://www.zillow.com/homedetails/404-Alysheba-Ct-Reno-NV-89521/63238774_zpid/">404 Alysheba Ct</a>, Reno, NV 89521<br />4 beds, 2.0 baths, 2,017 sq ft<br /><br /><div>Pending Sale: <strong>$235K</strong> </div><div><br />06/08/2005: purchase $283,900 with Universal American<br />03/01/2006: $30,000 HELOC with Countrywide<br />11/20/2006: $375,000 REFI with First Magnus<br />06/08/2005: $355,000 (unsure about the sales history vs HELOC/Refi) </div></div></div></div></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-78436968275884100952010-10-26T20:24:00.000-07:002010-10-26T22:13:58.917-07:00Gonzalo Lira Makes a Call<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH9sCBQUDDkiY28SePqUwlVT6eQISZMXftI7VpUGDg0wOX76tiPa3jWzoC5D6RjjDOl5KM_ZAo1OecFZ0hrXt5rwP6orETpDTJs8GTSKfYwX6pEYXtXag5d4zAYLjrru4E4xfMZr0nQFw/s1600/asuncion-of-virgin-mary_collection_of_mrs_tozzi_rom_italy.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 105px; FLOAT: left; HEIGHT: 160px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5532562672299485346" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH9sCBQUDDkiY28SePqUwlVT6eQISZMXftI7VpUGDg0wOX76tiPa3jWzoC5D6RjjDOl5KM_ZAo1OecFZ0hrXt5rwP6orETpDTJs8GTSKfYwX6pEYXtXag5d4zAYLjrru4E4xfMZr0nQFw/s200/asuncion-of-virgin-mary_collection_of_mrs_tozzi_rom_italy.jpg" /></a> <div><br />Well, these are some bold predictions by Gonzalo Lira. Let's track them and see how it goes. But if it goes this way...<br /><br /><br /><strong>2010-10-26</strong>: <a href="http://gonzalolira.blogspot.com/2010/10/our-god-is-money-economics-isnt-dismal.html#more">Economics Isn’t a Dismal Science—It’s an Ersatz Religion</a><br /><em>This will bring <strong><span style="color:#000099;">hyperinflation by December 2011</span></strong>; <strong><span style="color:#000099;">severe social disruption starting in Q3 of 2011 and accelerating through Q4</span></strong>, before really <strong><span style="color:#000099;">exploding in Q2 of 2012</span></strong>; the dissolution of the European Union by December of 2012; and very likely—insane as it might now sound—a de facto dictatorship in the United States. </em></div><div><em>...</em></div><div><em></em></div><div><em></em></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-28365737852559932222010-10-11T20:30:00.000-07:002010-10-13T22:58:32.187-07:00Chris Dodd, Racketeer Lawman<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI6RwBhukIfyQ2bhDHZ2k_YA7VZWx-OC7xB2vkUF9JaQuyzwj805QnIZRqvvGFXoAqcKPW6BJ4yHljbMezq9md-ji-_TnN4edVdpHpswsux9jObeHwdkPCNtHHLJlBgPjEOyp7vOC3C8g/s1600/chris_dodd.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 133px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5527002398957857058" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI6RwBhukIfyQ2bhDHZ2k_YA7VZWx-OC7xB2vkUF9JaQuyzwj805QnIZRqvvGFXoAqcKPW6BJ4yHljbMezq9md-ji-_TnN4edVdpHpswsux9jObeHwdkPCNtHHLJlBgPjEOyp7vOC3C8g/s200/chris_dodd.jpg" /></a><strong><span style="color:#6600cc;">Chris Dodd</span></strong>, Part 3, <a href="http://realestaterecord.blogspot.com/2008/10/christopher-save-consumer-dodd.html">Part 2</a>, <a href="http://realestaterecord.blogspot.com/2008/06/senator-chris-dodd.html">Part 1</a><br />Senator D-Connecticut<br /><br />Let me see if I understand this...<br /><br />Chris Dodd, saviour of the US <strike>Citizen</strike> <a href="http://realestaterecord.blogspot.com/2008/10/christopher-save-consumer-dodd.html">Consumer</a>, is responsible for hearings on the foreclosure racketeering.<br /><br />Chris Dodd, <a href="http://online.wsj.com/article/SB122360116724221681.html">friend of Angelo Mozilo</a>, is responsible for hearings on the flawed mortgage paperwork.<br /><br />Chris Dodd, <a href="http://www.blogger.com/Chris%20Dodd,%20friend%20of%20Angelo%20Mozilo,%20is%20responsible%20for%20hearings%20on%20the%20flawed%20mortgage%20paperwork.">friend of Fannie and Freddie</a>, is responsible for bringing the criminal banks to justice.<br /><br />Just checking.<br /><br /><strong>2010-10-09</strong>: <a href="http://news.yahoo.com/s/ap/20101010/ap_on_bi_ge/us_foreclosure_mess">Up to 40 states plan inquiry into foreclosure data</a><br /><em>WASHINGTON – The attorneys general of up to 40 states plan to announce soon a joint investigation into banks' use of flawed foreclosure paperwork.<br />...<br />And Sen. <strong><span style="color:#000099;">Christopher Dodd</span></strong>, D-Conn., the chairman of the Senate Banking Committee, said he <strong><span style="color:#000099;">would hold a hearing on the issue next month</span></strong>.</em>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com1tag:blogger.com,1999:blog-8449425153344885020.post-67010761285211932582010-09-30T20:00:00.001-07:002012-02-19T13:54:25.356-08:00Sonoma Canary, Part 3<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4WSXzFSQtGGzl6qY4kYbKVV01gXO0uQtuQP6JB9K3IgVpE7SSaUJIwp0lJ9O3kNMKhGbks544_rQix7fByt4JWhC-TqHLfgvLHt9qAC2zPRk37ZNGJlwmmubnOtSCRHoaXp8kkjsYOnI/s1600/canary.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 190px; FLOAT: left; HEIGHT: 190px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5510644069842580386" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4WSXzFSQtGGzl6qY4kYbKVV01gXO0uQtuQP6JB9K3IgVpE7SSaUJIwp0lJ9O3kNMKhGbks544_rQix7fByt4JWhC-TqHLfgvLHt9qAC2zPRk37ZNGJlwmmubnOtSCRHoaXp8kkjsYOnI/s200/canary.jpg" /></a><strong><span style="color:#6600cc;">Sonoma Canary</span></strong>, <a href="http://realestaterecord.blogspot.com/2009/01/sonoma-canary.html">Part 1</a>, <a href="http://realestaterecord.blogspot.com/2010/08/sonoma-canary-part-2.html">Part 2</a><br /><br />Where is the recovery?<br /><br />Notices of Default and Foreclosures in Sonoma are showing no signs of slowing. And we have an impressive increase in foreclosures, with 52 more in September than August. The NODs also score a high for 2010.<br /><br /><br /><br /><strong>NODs:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10 . '11 . '12</strong></span><br /><span style="font-family:courier new;">Jan 451 . 394 . 255 . 339 . 281</span><br /><span style="font-family:courier new;">Feb 513 . 468 . 380 . 293</span><br /><span style="font-family:courier new;">Mar 498 . 553 . 407 . 379</span><br /><span style="font-family:courier new;">Apr 509 . 497 . 354 . 275</span><br /><span style="font-family:courier new;">May 505 . 491 . 389 . 285</span><br /><span style="font-family:courier new;">Jun 492 . <span style="color:#000000;">562 . 303 . 300</span> </span><br /><span style="font-family:courier new;">Jul 460 . <span style="color:#000099;"><strong>615*.</strong><span style="color:#000000;"> 275 . 228 </span></span></span><br /><span style="font-family:courier new;">Aug 482 . 425 . <span style="color:#000000;">383 . 422</span></span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">191 .</span><span style="color:#000000;"> 399 . 419 . 355</span></span><br /><span style="font-family:courier new;">Oct <span style="color:#009900;">178</span> . 379 . 328 . 372</span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">241 </span><span style="color:#000000;">. 320 . 346 . 353</span></span><span style="color:#000000;"><br /></span><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>500</strong> </span><span style="color:#000000;">. 319 . 320 . 212</span></span><br /><br /><span style="color:#000099;">* New Monthly Record</span><br /><span style="color:#009900;">* Sep '08</span>: CA Law <a href="http://info.sen.ca.gov/pub/07-08/bill/sen/sb_1101-1150/sb_1137_cfa_20080402_090259_sen_comm.html">SB 1137 </a>takes effect<br /><span style="color:#ff0000;">* Dec '08</span>: CA Law SB 1137 FAILS<br /><br /><strong>Trustees Deeds:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10 . '11 . '12</strong></span><br /><span style="font-family:courier new;">Jan 164 . 166 . 181 . 190 . 179</span><br /><span style="font-family:courier new;">Feb 238 . 151 . 155 . 180</span><br /><span style="font-family:courier new;">Mar 221 . 121 . 209 . 207</span><br /><span style="font-family:courier new;">Apr 236 . 123 . 215 . 182</span><br /><span style="font-family:courier new;">May 280 . 149 . 184 . 175</span><br /><span style="font-family:courier new;">Jun 324 . <span style="color:#000000;">271 . 169 . 179</span></span><br /><span style="font-family:courier new;">Jul 341 . 202 . 179 . 228</span><br /><span style="font-family:courier new;">Aug 372 . 231 . <span style="color:#330033;">188 . 204</span></span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">303 . </span><span style="color:#000000;">183 . 240 . 175</span></span><br /><span style="font-family:courier new;">Oct <span style="color:#009900;">195 </span><span style="color:#000000;">. 210 . 192 . 161</span></span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">184 </span><span style="color:#000000;">. 218 . 120 . 143</span></span><br /><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>229</strong> </span><span style="color:#000000;">. 195 . 162 . 145</span></span>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-8856549585013977462010-09-17T17:37:00.000-07:002010-09-18T15:32:37.287-07:00Two (2) Owners, Whole Lot of HELOC<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6fgxtJ38niwL9SPeBpflzbtO2ktvEQIHHOfGt3pPMz5VFla1-mkyvwKWCla8drS9WDv-sTdiYdTVMinetK8cmRI8gJ47PZ0lRUzIig_QGi4awHd-KyOgbnrm4MlQh8_rSeFT8sBoKaOU/s1600/42+Vista+Encanta.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 113px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5518120493331534018" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6fgxtJ38niwL9SPeBpflzbtO2ktvEQIHHOfGt3pPMz5VFla1-mkyvwKWCla8drS9WDv-sTdiYdTVMinetK8cmRI8gJ47PZ0lRUzIig_QGi4awHd-KyOgbnrm4MlQh8_rSeFT8sBoKaOU/s200/42+Vista+Encanta.jpg" /></a>Foreclosed Home Sold to Two Separate Buyers<br /><span style="font-size:85%;">* <em>Partying bachelors... I don't think so.</em></span><br /><br />What is more bizarre and comical about this is that the reporter states that the house was initially $712,000 (video link at bottom). The current owners paid $365,000. But there is no record of a $712,000 sale for this house. THAT IS THE REAL STORY!!! MSM, WAKE UP!!!!<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEH6gONJoNLbgE7ZFRpD_llrLkaXndw0IR24xrHXOk0PYS6IPVJtGwJYFYFZU63BpvtyMnHu787bQ1cobK-gFcD121rhkd5xx_TfuPv_2Zim4WoSrlmEGRmHjsYgZswlVvy5twr4jtas0/s1600/HighOnHeloc.gif"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 134px; FLOAT: right; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5518122256884352914" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEH6gONJoNLbgE7ZFRpD_llrLkaXndw0IR24xrHXOk0PYS6IPVJtGwJYFYFZU63BpvtyMnHu787bQ1cobK-gFcD121rhkd5xx_TfuPv_2Zim4WoSrlmEGRmHjsYgZswlVvy5twr4jtas0/s200/HighOnHeloc.gif" /></a><br />Here is the house:<br /><a href="http://www.zillow.com/homedetails/42-Vista-Encanta-42-San-Clemente-CA-92672/25700237_zpid/">42 Vista Encanta #42 </a><br />San Clemente, CA 92672<br />03/11/2010 Sold <strong><span style="color:#000099;">$365,000</span></strong><br />05/30/1997 Sold <strong><span style="color:#000099;">$168,000</span></strong><br /><br />There are no records of a $700K+ sale of this house. And you know what that means... livin' High on the HELOC. I would love to see the details on this because it's hard to believe they hit the home ATM for<span style="color:#000099;"> <strong>$544K</strong></span>!!!<br /><br /><br /><strong>2010-09-17</strong>: <a href="http://www.ktla.com/news/landing/ktla-condo-sold-twice,0,1631717.story?track=rss">Foreclosed OC Townhome Mistakenly Sold Twice </a><br /><em>SAN CLEMENTE -- A paperwork mix-up is being blamed for a real estate snafu that resulted in one townhome being legally sold to 2 separate parties.<br /><br />It all started in March when Douglas Garhartt and Brandon Lively closed escrow on a foreclosed townhome in San Clemente.<br /><br />It was a great deal: <strong><span style="color:#000099;">three-bedrooms for $365,000</span></strong>,<strong> <span style="color:#000099;">well below the $712,552 owed on the loan</span></strong><span style="color:#000099;">.<br /></span><br />Just days later an investment group, Saint John Trust, bought the home at auction.</em><br /><br /><strong>Video</strong>: <a href="http://www.youtube.com/watch?v=wZ8Yuwm70pE">FORECLOSED HOME SOLD TO TWO SEPERATE BUYERS </a>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-7160138472768792672010-09-07T20:33:00.000-07:002010-09-07T22:33:25.199-07:00A Gift From Jim Sinclair - Part 2<div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyciGzvKImfCv730Y3xwcSDDXNPSHvWXY_eL9-TAzeTCY8lK_DX3p64xWC1qCxlRtEpdUH4Hcs7Qe6eoD_tQoSEvlcmoH0hy4XW_iJU2Nw79nqtKwUA-4wLLxaaBRYtiCJi8HeikxmrZY/s1600/goldbullion.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 128px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5514382614096912098" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyciGzvKImfCv730Y3xwcSDDXNPSHvWXY_eL9-TAzeTCY8lK_DX3p64xWC1qCxlRtEpdUH4Hcs7Qe6eoD_tQoSEvlcmoH0hy4XW_iJU2Nw79nqtKwUA-4wLLxaaBRYtiCJi8HeikxmrZY/s200/goldbullion.jpg" /></a>In December of 2008, Jim Sinclair offered a <a href="http://jsmineset.com/2008/12/28/a-gift-from-jim/">Gift</a> to all CIGAs. I posted that here: <a href="http://realestaterecord.blogspot.com/2008/12/gift-from-jim-sinclair.html">Part 1</a>. What fascinated me at the time was that he was willing to make such a bold prediction about the price of gold, well in advance. Since that time, Gold has risen about <strong><span style="color:#000099;">$370/oz </span></strong>(price chart at bottom), and I am very pleased with my accumulation. Faced with skepticism and scorn, I'm sure, Jim responded today with his absolute belief in what lies ahead for Gold.<br /><br />I am not a gold bug. What I am is someone that is averse to risk. The risk I detected several years ago was in the very thing that was supposed to be our store of "wealth"... the US Dollar. The only question I'm asking myself right now is, "How much more?"<br /><br /><strong>2010-09-07</strong>: <a href="http://jsmineset.com/2010/09/07/strapping-in-for-the-big-move/">Strapping In For The Big Move </a><br /><em>Dear CIGAs,<br /><br />Now that expectations for Gold at very significant prices are being offered by various rational sources, there is one thing you can be sure of. That one thing is $1650.<br /><br />I am getting many emails asking how it is possible for the gold price to reach $1650 by early January.<br /><br />I suspect these are far out in time, out of the money call option buyers that have done exactly what I have warned against. That is the using of options with an investment outlook.<br /><br />Options are speculations that you never hold past the half way to expiry point, but instead switch to further out months if you believe in what you are doing.<br /><br />Those that pre-offer gold cannot trade it at $1650 in January because of the short time versus the big moves. They clearly have never experienced the gold run in late 1979 and early 1980.<br /><br />I will stand with what I have said for nearly 10 years.<strong> <span style="color:#000099;">Gold will trade at $1650 on or before January 14th, 2011</span></strong><span style="color:#000099;">.</span> That never made me want to buy expensive in time call options.<br /><br />It has given me the courage to invest in gold without margin both in shares and bullion.<br /><br />There is no doubt in my mind that <strong><span style="color:#000099;">$1650 will occur in early 2011</span></strong>. I have told you that Martin Armstrong, a master timer, feels that gold will trade higher and face a reaction in middle to late June of 2011.<br /><br />The gold banks are throwing blocks to the price as we approach $1262. This is a major waste of time and money as gold is going to and through that price. The only argument is whether<strong> <span style="color:#000099;">gold will hit $1650 in January 2011 or $3000-$5000 in June 2011</span></strong>.<br /><br />Do you have any idea how much money has been made by those that bought gold modestly and in cash only on every reaction and sold into the rhino horns? It sounded stupid when I suggested this tactic for the wannabe traders.<br /><br />I ran 22,000 long gold contracts in the New York and London markets in 1978 to 1980. Back then that was a big number. Today if I have a conviction, I simply play with everything I have and screw credit. The only credit I would use as a pro trader is options.<br /><br />Those of you who follow me closely know that I am NOT kidding. This is the time when PRICE and TIME meet each other.<br /><br /><strong><span style="color:#000099;">This is the time now as it was in 1979 that I went throttle to floor</span></strong>.<br /><br />This is the time now as it was in 1979 that <strong><span style="color:#000099;">I am committing 100% of all the cash I can accumulate to what I believe in.</span></strong><br /><br />This is the time when all I have planned for is falling into place for the final and enormous pay day. However, I will not and you should not violate discipline, as I have always tried to teach you.<br /><br />Option are never held past 50% of time left when you purchased them.<br /><br />If I am wrong about gold at $1650 on or before 14/01/11 it only means gold will trade much higher than $1650 five months later.<br /><br />As far as being long and wrong, that is something I definitely am not.<br /><br />Respectfully,<br />Jim</em></div><br /><div><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 254px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5514411353151070018" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuKHXkCbfAHj59Z8JkpSzQNcO9iTinRiEQfACrKWOjQ4Ltiy82QhdfhUPAMvUjNaCu1fEwMhlRMG_6cbVwOd4JZiORTO-e28qrG4DWoaVOtkiAGfiZgPtaU3otVD9V_IjmL4Ch8ALI-WM/s400/Gold_12-28-2008.gif" /></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com2tag:blogger.com,1999:blog-8449425153344885020.post-37466568495996509882010-09-05T21:27:00.000-07:002010-09-06T13:42:09.615-07:00Gen-X/Y, Clueless again - Kerrie Tidwell<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQfDoLgNb93M3Mxk1QzAKNtfbOQelXXr3e6XfHP9GWMZDbDFoR9ecuquGMqcuZr3vhNEUowTysDcZdCK-KjYpTzvnPdNKnZG4gga2Ik5r9MPXIT9n4FnARrXdGNqNU1nXL8GW7JKoG02c/s1600/tidwell_cleavage.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 141px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5513654765830038466" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQfDoLgNb93M3Mxk1QzAKNtfbOQelXXr3e6XfHP9GWMZDbDFoR9ecuquGMqcuZr3vhNEUowTysDcZdCK-KjYpTzvnPdNKnZG4gga2Ik5r9MPXIT9n4FnARrXdGNqNU1nXL8GW7JKoG02c/s200/tidwell_cleavage.jpg" /></a><br /><div><strong><span style="color:#6600cc;">Allison Brooke Eastman & Kerrie Tidwell</span></strong><br /><br />What is really interesting about these stories is that these women are willing to air their dirty and stupid laundry for the whole world to see. Yes, Ms. Tidwell, more cleavage and your boyfriend will pay off your debt. Someone needs to teach her about Return on Investment.<br /><br /><strong>2010-09-03</strong>: <a href="http://www.nytimes.com/2010/09/04/your-money/04money.html?_r=2&ref=business">How Debt Can Destroy a Budding Relationship</a><br /><em>Nobody likes unpleasant surprises, but when Allison Brooke Eastman’s fiancé found out four months ago just how high her student loan debt was, he had a particularly strong reaction: <strong><span style="color:#000099;">he broke off the engagement within three days.</span></strong></em><br />...<br /><em>But as the couple got closer to their wedding day, she took out all the paperwork and it became clear that <strong><span style="color:#000099;">her total debt was actually about $170,000</span></strong>. “He accused me of lying,” said Ms. Eastman, 31, a San Francisco X-ray technician and part-time photographer who had run up much of the balance studying for a bachelor’s degree in photography. “But if I was lying, I was lying to myself, not to him. I didn’t really want to know the full amount.”</em><br />...<br /><em>These were the questions that weighed on Kerrie Tidwell. A third-year student at the Medical College of Georgia and an aspiring emergency room doctor, <strong><span style="color:#000099;">she doesn’t worry so much about her ability to pay back her loans.<br /></span></strong><br />Ms. Tidwell, 26, is involved in a serious relationship with Stefan Kogler, an architect who is a native of Austria and living in Vienna. To Europeans, who often pay little or nothing toward their university studies, the idea of going deeply into debt to get educated is, well, foreign.<br /><br /><strong><span style="color:#000099;">Ms. Tidwell feels no guilt about the $250,000 in debt she will probably run up</span></strong>, including some from a master’s degree program she completed in London, where she and Mr. Kogler met. “I didn’t acquire it because I go out and shop a lot,” she said. “It’s because I’m doing something that I’ll love for the rest of my life.”</em> </div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com1tag:blogger.com,1999:blog-8449425153344885020.post-5828282154356437422010-08-31T20:00:00.000-07:002010-09-29T22:13:00.215-07:00Sonoma Canary, Part 2<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4WSXzFSQtGGzl6qY4kYbKVV01gXO0uQtuQP6JB9K3IgVpE7SSaUJIwp0lJ9O3kNMKhGbks544_rQix7fByt4JWhC-TqHLfgvLHt9qAC2zPRk37ZNGJlwmmubnOtSCRHoaXp8kkjsYOnI/s1600/canary.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 190px; FLOAT: left; HEIGHT: 190px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5510644069842580386" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4WSXzFSQtGGzl6qY4kYbKVV01gXO0uQtuQP6JB9K3IgVpE7SSaUJIwp0lJ9O3kNMKhGbks544_rQix7fByt4JWhC-TqHLfgvLHt9qAC2zPRk37ZNGJlwmmubnOtSCRHoaXp8kkjsYOnI/s200/canary.jpg" /></a><strong><span style="color:#6600cc;">Sonoma Canary</span></strong>, <a href="http://realestaterecord.blogspot.com/2009/01/sonoma-canary.html">Part 1</a><br /><br />In light of the recent articles about<a href="http://www.calculatedriskblog.com/2010/08/are-lenders-procrastinating-on.html"> banks dragging their feet on foreclosures</a> to avoid flooding the market, the NODs for August '10 are not forecasting a rosy picture for Sonoma. These are not healthy numbers.<br /><br />And with 250,000 active Option ARM mortgages in California, this debacle has a long time to run its course. Here are <a href="http://www.doctorhousingbubble.com/second-half-recovery-2010-not-going-to-happen-foreclosures-unemployment-weak-lending/">13 Charts </a>from Dr. Housing Bubble on the weak housing market--use it wisely.<br /><br />I thought this was interesting. Checking NODs and Foreclosures for September, the following name came up, repeatedly: CARINALLI. Doing a little search on the name gave me this article:<br /><br /><strong>2009-09-30</strong>: <a href="http://www.pressdemocrat.com/article/20090930/BUSINESS/909309896/1350?Title=Carinalli-creditors-respond-to-bankruptcy-filing">Carinalli creditors respond to bankruptcy filing</a><br /><em>One day after real estate financier Clem Carinalli declared bankruptcy, the longtime Sonoma County families whose investments helped him build a real estate empire for the most part remained either publicly supportive or silent.<br /></em>- All totalled, there were about 5 foreclosures and approximately 20 NODs over the past several months for this family of investors.<br /><br />43 Foreclosures to start September (through Sep 3) is a fast pace. That would yield about 301 for the month if it remains steady at that pace.<br /><br /><strong>NODs:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10</strong></span><br /><span style="font-family:courier new;">Jan 451 . 394 . 255</span><br /><span style="font-family:courier new;">Feb 513 . 468 . 380</span><br /><span style="font-family:courier new;">Mar 498 . 553 . 407</span><br /><span style="font-family:courier new;">Apr 509 . 497 . 354</span><br /><span style="font-family:courier new;">May 505 . 491 . 389</span><br /><span style="font-family:courier new;">Jun 492 . <span style="color:#000000;">562 . 303</span> </span><br /><span style="font-family:courier new;">Jul 460 . <span style="color:#000099;"><strong>615*.</strong><span style="color:#000000;"> 275</span></span></span><br /><span style="font-family:courier new;">Aug 482 . 425 . <strong><span style="color:#006600;">383</span></strong></span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">191 .</span><span style="color:#000000;"> 399 . 400 through Sep 29</span></span><br /><span style="font-family:courier new;">Oct <span style="color:#009900;">178</span> . 379</span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">241 </span><span style="color:#000000;">. 320</span></span><span style="color:#000000;"><br /></span><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>500</strong> </span><span style="color:#000000;">. 319</span></span><br /><br /><span style="color:#000099;">* New Monthly Record</span><br /><span style="color:#009900;">* Sep '08</span>: CA Law <a href="http://info.sen.ca.gov/pub/07-08/bill/sen/sb_1101-1150/sb_1137_cfa_20080402_090259_sen_comm.html">SB 1137 </a>takes effect<br /><span style="color:#ff0000;">* Dec '08</span>: CA Law SB 1137 FAILS<br /><br /><strong>Trustees Deeds:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10</strong></span><br /><span style="font-family:courier new;">Jan 164 . 166 . 181</span><br /><span style="font-family:courier new;">Feb 238 . 151 . 155</span><br /><span style="font-family:courier new;">Mar 221 . 121 . 209</span><br /><span style="font-family:courier new;">Apr 236 . 123 . 215</span><br /><span style="font-family:courier new;">May 280 . 149 . 184</span><br /><span style="font-family:courier new;">Jun 324 . <span style="color:#000000;">271 . 169</span></span><br /><span style="font-family:courier new;">Jul 341 . 202 . 179</span><br /><span style="font-family:courier new;">Aug 372 . 231 . <strong><span style="color:#006600;">188</span></strong></span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">303 . </span><span style="color:#000000;">183 . 224 through Sep 29</span></span><br /><span style="font-family:courier new;">Oct <span style="color:#009900;">195 </span><span style="color:#000000;">. 210 </span></span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">184 </span><span style="color:#000000;">. 218</span></span><br /><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>229</strong> </span><span style="color:#000000;">. 195</span></span>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-2259484197497946342010-08-17T19:57:00.000-07:002010-08-17T20:05:58.650-07:00"Maybe it will go away"<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfO1qy5x8bmBem-MVOQch60dRYmeTSxh742G4y1BSUOk0d7PiKKu2zTyRSp55j1GnxNgHbhX-WW7jLHxpZ-_W6LCAqvkAzyoVF18CXbESfXeczsncWuyFD7Dxd88ACNPuYS7KNmxDwA3Q/s1600/12debt-span-articleLarge.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 105px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5506579965431489202" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfO1qy5x8bmBem-MVOQch60dRYmeTSxh742G4y1BSUOk0d7PiKKu2zTyRSp55j1GnxNgHbhX-WW7jLHxpZ-_W6LCAqvkAzyoVF18CXbESfXeczsncWuyFD7Dxd88ACNPuYS7KNmxDwA3Q/s200/12debt-span-articleLarge.jpg" /></a><span style="color:#6600cc;"><strong>Shawn Schlegel,</strong></span><span style="color:#000000;"> uber-Realtor / Tiny-Trump</span><br />"Maybe it will go away"... say it three times, and it will be so.<br /><br />This realtard is quite a piece of work. And he's doing himself quite a disservice by airing his dirty laundry. If you're the lender and you see this story, you go out of your way to nail his ass, right?<br /><br /><strong>2010-08-11</strong>:<a href="http://www.nytimes.com/2010/08/12/business/12debt.html?_r=4"> I won't pay it back </a><br />“I am not going to be a slave to the bank,” said Shawn Schlegel, <strong><span style="color:#000099;">a real estate agent who is in default on a $94,873 home equity loan</span></strong>. His lender obtained a court order garnishing his wages, but that was 18 months ago. Mr. Schlegel, 38, has not heard from the lender since. “The case is sitting stagnant,” he said. “<strong><span style="color:#000099;">Maybe it will just go away</span></strong>.”<br /><br />Mr. Schlegel’s tale is similar to many others who got caught up in the boom: He came to Arizona in 2003 and quickly <strong><span style="color:#000099;">accumulated three houses and some land</span></strong>. Each deal financed the next. “I was taught in real estate that you use your leverage to grow. <strong><span style="color:#000099;">I never dreamed the properties would go from $265,000 to $65,000</span>.</strong>”Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-51293890574766882172010-08-08T18:08:00.000-07:002010-08-13T21:52:58.848-07:00Holycow on Holyoke<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO1bOwJwDswCa08VYnCrFpBx-F3ag_FajX6gDVzdZcqiPMWE86LjTyqggbQklQVpfubsPLbEAC3nrxpXX0mBoCZq19C-agys-NoHulzstckpVmU8ayqOgOTX9Jt-L58Ku0LPC_qZkXx8U/s1600/Holyoke_Neighborhood.png"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 400px; FLOAT: left; HEIGHT: 246px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5503215308221479874" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO1bOwJwDswCa08VYnCrFpBx-F3ag_FajX6gDVzdZcqiPMWE86LjTyqggbQklQVpfubsPLbEAC3nrxpXX0mBoCZq19C-agys-NoHulzstckpVmU8ayqOgOTX9Jt-L58Ku0LPC_qZkXx8U/s400/Holyoke_Neighborhood.png" /></a><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGRLr5jaY2HtC4V4bW9L8hqhVKj-VAb2wElKQnK6vXASjYr7B6PnNXeavoH2XMACGY_a5ASQkeL-OzqYJ4E8aTzDf-WsUCM4-UOog6VdvkWXptsMjDnS7HangTjlOVQbkP7AsZfIDJKMc/s1600/Holyoke_Neighborhood.png"></a><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br />I'm sure this is a story repeated thousands of times... people buying houses, thinking they're getting a great deal, really proud of their decision. One of our favorite Housing Bubble <strike>Realtors</strike> Agents wrote about such a purchase, and how smart they were for it. It's easy to write with praise about these decisions when they happen, but how do they turn out in the long run? Let's take a look.<br /><br />Here it is, courtesy of <a href="http://realestaterecord.blogspot.com/2007/09/purva-brown-delusional-realtor.html">Sacramento Real Estate Gal</a>:<br /><br /><strong>2007-07-16</strong>: <a href="http://www.sacramentorealestategal.com/2007/07/sacramento-has-new-neighbors.html">One Sacramento Neighborhood has Newcomers!</a><br /><em>These are my new clients that just bought a home in Sacramento. They moved here from Florida and have the cutest accent.<br /><br />It was such a pleasure working with them because<span style="color:#000099;"> they weren't the least bit jaded about the real estate market</span>. <span style="color:#000099;">They realized they were getting a good deal and jumped on it with no hesitation</span>. The market analysis confirmed their happiness. Of course, it helped that they had done their own research online and knew the style and neighborhood of the home they were looking in.<br /><br />They actually made an excellent purchase because of the following:<br />- they bought in a slow market<br />-<span style="color:#000099;"> <strong>they had done a lot (I mean A LOT) of research beforehand</strong></span><br />- this one is the most important: the market analysis showed that homes in their neighborhood in a half-mile radius sold for anywhere between $30,000 more than they paid for their home to $200,000 more than they paid. Which means that every dollar they invest into the home will have more potential returns than say a neighborhood with a ceiling of say, $20,000 under all comps.<br /><br />This is an excerpt from one of their emails:<br />"Thank you for all of your help and patience with this property and me! Thanks again. You are a wonderful agent."<br /></em><br />Here is the house...<br /><br /><a href="http://www.zillow.com/homedetails/5001-Holyoke-Way-Sacramento-CA-95841/26027395_zpid/" width="400" pzp1="95841&height=" link="generic&Pcy1=" pst1="'CA&Pcd1=">5001 HOLYOKE WAY</a>, Sacramento, CA<br />4 beds, 2.0 baths, 2,155 sq ft<br />Year built: 1970<br />Sale History<br />11/09/2006: <strong><span style="color:#ff0000;">$326,000</span></strong><br />Zestimate: $224,500 (Aug 8, 2010)<br /><br />And here is the great big problem...<br /><br /><p><a href="http://www.zillow.com/homedetails/5009-Holyoke-Way-Sacramento-CA-95841/26027393_zpid/">5009 Holyoke Way</a>, Sacramento, CA<br />4 beds, 2.0 baths, 1757 sq ft<br />07/15/2010: <strong>$189,000</strong></p><div><a href="http://www.zillow.com/homedetails/5101-Hemlock-St-Sacramento-CA-95841/26027545_zpid/">5101 Hemlock St</a>, Sacramento, CA<br />4 beds, 2.0 baths, 2,126 sq ft<br />02/23/2010: <strong>$160,000</strong><br /><br /></div><div><a href="http://www.zillow.com/homedetails/4910-Holyoke-Way-Sacramento-CA-95841/26027096_zpid/">4910 Holyoke</a>, Sacramento, CA</div><div>03/19/2010: <strong>$185,000</strong> </div><br /><div><a href="http://www.zillow.com/homedetails/4906-Holyoke-Way-Sacramento-CA-95841/26027095_zpid/">4906 Holyoke</a>, Sacramento, CA<br />05/27/2010: <strong>$179,500</strong> </div><br /><div>And I count no fewer than 7 foreclosures in the neighborhood, two of which are on Holyoke.<br />Put simply, this purchase was one of those life-impacting, bad decisions.<br /><br />Addendum:<br />Calculated Risk just posted on a story about real estate Northeast of Silicon Valley. While it didn't touch on Sacramento, it does illustrate the continued problems in housing and unemployment in California. We've got a long way to go.<br /><strong>2010-08-09</strong>: </div></div><a href="http://www.calculatedriskblog.com/2010/08/east-of-san-francisco-20-unemployment.html">East of San Francisco: 20% Unemployment, House Prices off Sharply</a><br /><em>In Stockton, which had one of the highest foreclosure rates in the nation, the median home price of $100,500 is down from $397,000 at the height of the boom — a stunning 74% drop.</em><br />-Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-75339170744711291992010-08-04T08:11:00.000-07:002010-08-04T08:20:37.000-07:00Gen-Y: Stupid is and stupid does, I guess.<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgff9Tmiw1OJkvHcxKhsuUQxF42344EQWpSdurmGokkvys6IlvT6DHuDvi9f28nD1EBAE7Ym9UJ2meZs4joEHwnCL2Niwas-p9Mb7p7bTvM2l19S-rISlQ9KxDA2YpJccwViw1wkiAqpms/s1600/Jordan-Hueseman.jpg"><img id="BLOGGER_PHOTO_ID_5501574154650125218" style="FLOAT: left; MARGIN: 0px 10px 10px 0px; WIDTH: 200px; CURSOR: hand; HEIGHT: 142px" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgff9Tmiw1OJkvHcxKhsuUQxF42344EQWpSdurmGokkvys6IlvT6DHuDvi9f28nD1EBAE7Ym9UJ2meZs4joEHwnCL2Niwas-p9Mb7p7bTvM2l19S-rISlQ9KxDA2YpJccwViw1wkiAqpms/s200/Jordan-Hueseman.jpg" border="0" /></a><br /><br /><div></div><div>$100,000 in student loans and it's not even from a "coveted" Ivy League skool (sp).<br /><br />Three words...</div><br /><div><strong>RETURN ON INVESTMENT</strong>.</div><br /><div></div><br /><div><strong>2010-07-29</strong>: <a href="http://www.msnbc.msn.com/id/38364681/ns/business-economy_at_a_crossroads/">Gen Y: No jobs, lots of loans, grim future</a> </div><br /><div><em>Jordan Hueseman, 25, <strong><span style="color:#000099;">accrued roughly $100,000 in student loans at the University of Denver</span></strong> earning a bachelor's degree in </em><em>international business</em><em> and a master's in business administration. On the job hunt, he found his graduate degree sometimes hindered more than it helped. </em></div><div><br /><em>“At one point, <span style="color:#000099;"><strong>I applied to Whole Foods</strong></span>, hoping they might see some potential for me to move to some type of management position,” Hueseman said. “The e-mail I received from them said <span style="color:#000099;"><strong>I was far too overqualified for any of their hourly positions and as such would not be considered for a position</strong></span>.” </em></div><div><br /><em>Hueseman said that after one job </em><em>application</em><em>, he was told he should leave his degrees off his resume. Hueseman said he was tempted to follow the advice but couldn’t bring himself to do it.</em></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com0tag:blogger.com,1999:blog-8449425153344885020.post-4185895254160068522010-06-10T22:44:00.000-07:002010-06-10T22:55:28.153-07:00College Bubble Hitting Mainstream<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5OuamV6trW3g80mpXDVIoIyS1jch-Q-IjEaVIqC6ZsRiuxDJ8WXQgqdqdELIhUevEBh5wUuKtyAGPP4t5lgEK1vJcP_OOLZ1yrPPyslES4IPywIZuBgsgKYLcWJS1r8LHv2Ej8V2GT6w/s1600/bankrupt08x-large.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 117px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5481388797932725890" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5OuamV6trW3g80mpXDVIoIyS1jch-Q-IjEaVIqC6ZsRiuxDJ8WXQgqdqdELIhUevEBh5wUuKtyAGPP4t5lgEK1vJcP_OOLZ1yrPPyslES4IPywIZuBgsgKYLcWJS1r8LHv2Ej8V2GT6w/s200/bankrupt08x-large.jpg" /></a><strong><span style="color:#6600cc;">Carmen Gardiner</span></strong>, College Graduate<br /><br />Psychology degree from Louisiana state and all I got was $80,000 in debt.<br /><br />The MSM seems to picking up on the college bubble. It's nothing really new, though: <a href="http://realestaterecord.blogspot.com/2009/09/college-bubble.html">College Bubble</a>.<br /><br /><strong>2010-06-10</strong>: <a href="http://www.usatoday.com/money/economy/2010-06-09-bankruptcy09_CV_N.htm">My future is gone </a><br />...<br /><em>Carmen Gardiner, 25, a 2007 graduate of Louisiana State University, is weighed down by her private student loans. <strong><span style="color:#000099;">Her debt is now about $80,000, and her monthly payments are more than $600</span></strong>. Gardiner's undergraduate degree is in <span style="color:#000099;"><strong>psychology</strong></span>. She lives with her <strong><span style="color:#000099;">husband, who is still in college</span></strong>, and <span style="color:#000099;"><strong>earns $13 an hour at a call center in Atlanta. They have a 6-month-old daughter.<br /></strong></span><br />She hasn't defaulted on her student loan. But she doesn't see much hope. Bankruptcy would not discharge her debt.<br /><br />"<strong><span style="color:#000099;">I'm completely sour about the whole idea of going to college</span></strong>," she says. "My future is gone before I have a chance to make one. But if I could discharge this using bankruptcy, it would be better than winning the lottery." </em>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com3tag:blogger.com,1999:blog-8449425153344885020.post-71490141680237260072010-06-02T20:43:00.000-07:002010-06-02T20:56:40.645-07:00Mo' Munna!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOvkp4WJGb-5WbNalM99qXIId3V0USGuSDc99hpubyrumOZfG2TpWMCfTFdmMLY4IRMLMWvMEn5bleGkhh46DFOIqtA4LOcjXwufSR-xOlZ-yhY_isF2Lava_Cjd8o9JRSTc0aDXe8374/s1600/01bucks-munna-blogSpan.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 118px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5478388257212318946" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOvkp4WJGb-5WbNalM99qXIId3V0USGuSDc99hpubyrumOZfG2TpWMCfTFdmMLY4IRMLMWvMEn5bleGkhh46DFOIqtA4LOcjXwufSR-xOlZ-yhY_isF2Lava_Cjd8o9JRSTc0aDXe8374/s200/01bucks-munna-blogSpan.jpg" /></a><br /><div><strong><span style="color:#6600cc;">Ms. Cortney Munna</span></strong>,<br />College Debtor<br /><br />Hey, at least she acknowledges the poor return on investment.<br /><br /><br /><strong>2010-06-01</strong>: <a href="http://bucks.blogs.nytimes.com/2010/06/01/more-on-cortney-munnas-student-loan-saga/?src=busln">More on Cortney Munna’s Student Loan Tale</a><br /></div><br /><em>First and foremost,<strong><span style="color:#000099;"> I openly acknowledge my responsibility for my current situation, as well as the naïveté in my estimation of the return on investment of a “high quality” education and a liberal arts degree.</span></strong> My only explanation is that once I was in school, I didn’t think much about tuition beyond filling out the paperwork, and I did what I always had done: focused on my education.<br />...<br />In retrospect, it’s absolutely clear to me that I should have thought more about the cost of the education versus career prospects. I didn’t think of it as a purchase. It was always just the next step to take: Get into good school. Get decent scholarship. Work hard.<br /><br />And have it all pay off in the end.<br /></em>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com1tag:blogger.com,1999:blog-8449425153344885020.post-87140414650368301482010-06-01T19:29:00.000-07:002010-06-01T19:42:23.404-07:00College Shame Edition: Ms. Cortney Munna<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRkuar6oTJPUPcFjn2f9JfIhnIidkf7FM8uluxxr5Kx8PgrgWj1i0nLQLiP0vwHYWKfbHORCecd0KvtlC1grALmTJPZS3S7RysQGbAU0FGeuvU1Fzpv0Bs1aFT7zQKXktMYgR4HdmTAJI/s1600/Cortney_Munna.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 164px; FLOAT: left; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5478000088188424898" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRkuar6oTJPUPcFjn2f9JfIhnIidkf7FM8uluxxr5Kx8PgrgWj1i0nLQLiP0vwHYWKfbHORCecd0KvtlC1grALmTJPZS3S7RysQGbAU0FGeuvU1Fzpv0Bs1aFT7zQKXktMYgR4HdmTAJI/s200/Cortney_Munna.jpg" /></a><br /><div><strong><span style="color:#6600cc;">Ms. Cortney Munna</span></strong>, College Debtor </div><div><br />This gal could possibly be the College Bubble Poster Child. </div><div><br /></div><div></div><div>A college degree, alone, is not a key to success. Obtaining a useful, practical degree that justifies the cost is imperative. And a "higher education" for the purely intrinsic value is reserved for the truly wealthy.</div><div><br /><br />What does $97,000 in college loan debt buy you?<br />How about an <strong><em>interdisciplinary degree in religious and women's studies</em></strong>. WTF!!!<br /><br /><strong>2010-06-01</strong>: <a href="http://finance.yahoo.com/college-education/article/109701/placing-the-blame-as-students-are-buried-in-debt?mod=edu-collegeprep">Buried in Debt</a><br /><em>Today, however, Ms. Munna, a 26-year-old graduate of New York University, has nearly $100,000 in student loan debt from her four years in college, and affording the full monthly payments would be a struggle. For much of the time since her 2005 graduation, she's been enrolled in night school, which allows her to defer loan payments.<br />...<br />How many people are like her? According to the College Board's Trends in Student Aid study, 10 percent of people who graduated in 2007-8 with student loans had borrowed $40,000 or more. The median debt for bachelor's degree recipients who borrowed while attending private, nonprofit colleges was $22,380.<br />...<br /><strong><span style="color:#000099;">Cortney could move someplace cheaper than her current home city of San Francisco</span></strong>, but she worries about her job prospects, even with her N.Y.U. diploma.<br /><br />She recently received a raise and now makes $22 an hour working for a photographer. It's the highest salary she's earned since graduating with an interdisciplinary degree in religious and women's studies. After taxes, she takes home about $2,300 a month. Rent runs $750, and the full monthly payments on her student loans would be about $700 if they weren't being deferred, which would not leave a lot left over. </em></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com4tag:blogger.com,1999:blog-8449425153344885020.post-76051669886162716692010-01-31T18:37:00.000-08:002010-01-31T18:50:35.083-08:00Janet Speer<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3G_AKZcaZrRx3LwZdpWSYAJgwlF5ZCPRV2NohKCENO1aKMI-SXk4FhVEZI1RyQ7J8SFhICce3JtqJkUxnq9lJpEVea687xmyxAcXzUbmuXHJueSJqfNNm6QFRENI0w5O-FbGjh5IdTqM/s1600-h/janet_speer.jpg"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 200px; FLOAT: left; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5433100466925708914" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3G_AKZcaZrRx3LwZdpWSYAJgwlF5ZCPRV2NohKCENO1aKMI-SXk4FhVEZI1RyQ7J8SFhICce3JtqJkUxnq9lJpEVea687xmyxAcXzUbmuXHJueSJqfNNm6QFRENI0w5O-FbGjh5IdTqM/s200/janet_speer.jpg" /></a><strong><span style="color:#6600cc;">Janet Speer</span></strong>, Home-ATM<br /><br />Why are people still willing to come forward with their B.S. stories for all the world to see???<br /><br />A comment left at the story says it all:<br /><div><div><br /><div>---- <strong>start</strong> -----<br />Let's look at the facts here with the key one being #2:<br />1) She bought the house at $100,000<br />2) It went up to $154,000 and she refinanced it at $154,000 which means SHE TOOK OUT $54,000 in cash.<br />3) Its now down to $120,000 and she cant afford mortgage so she is walking away.<br /><br />So basically she bought the house with a loan, took out $54,000 in cash to do as pleases, now walking away. And we wonder why banks have struggled. This person took all of the upside ($54,000 cash out) and then walked away when it went down.<br /><br />There are many sad stories of people losing their house. This is not one of them. This person got somewhere to live and $54,000 cash out over a period of years. They are the example of why the people are to blame for this problem just as the banks have a lot of blame to take. This is an example of a case where you should be just as mad at this person as you are at the banks as they both caused problems by their behavior.<br />---- <strong>end</strong> ----<br /><br />Commentary at Calculated Risk: <a href="http://www.calculatedriskblog.com/2010/01/is-this-really-walking-away.html">Is this really "Walking Away"?</a><br /><br /><strong>2010-01-31</strong>:<a href="http://www.nypost.com/p/news/business/walking_from_my_underwater_mortgage_9ZrbOV91v4EUGbJYD2ashO">I'm walking from my underwater mortgage </a><br />-or- <a href="http://www.nypost.com/p/news/business/walking_from_my_underwater_mortgage_9ZrbOV91v4EUGbJYD2ashO">How I tapped my Sweet Home Equity and Now I'm Bailing</a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX3u3ix6CRNtmAbm0P-FOPLAhlPIEZ8rrAJCljtHxjMj61n9Jv6IJccn459WK8UtVqRQn3jSv15pEC-zE7XWFSIAds37kEfwgiqhek_2Jp4t1S48ILd8lALhsPMzegd6-Ny-IjQVJQ1aA/s1600-h/HighOnHeloc.gif"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 134px; FLOAT: right; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5433100306631813666" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX3u3ix6CRNtmAbm0P-FOPLAhlPIEZ8rrAJCljtHxjMj61n9Jv6IJccn459WK8UtVqRQn3jSv15pEC-zE7XWFSIAds37kEfwgiqhek_2Jp4t1S48ILd8lALhsPMzegd6-Ny-IjQVJQ1aA/s200/HighOnHeloc.gif" /></a><br /><em>I stopped paying my $1,450-a-month mortgage on my 200-year-old, four-bedroom home in September 2008 -- after making the hard decision to walk away from my mortgage because it is hopelessly underwater.<br />...<br />This house originally cost $100,000. In 2005, as the housing market heated up and I needed cash, <strong><span style="color:#000099;">I refinanced it. An appraiser said it was worth $154,000</span></strong> -- which <strong><span style="color:#000099;">I thought was too high but nonetheless accepted</span></strong>. <strong><span style="color:#000099;">I cashed out the house at that value</span></strong>.</em><br />-----<br /><br />And here is the house...<br /><a href="http://www.zillow.com/homedetails/327-Church-St-Royersford-PA-19468/9884123_zpid/">327 church st</a>, Royersford, PA<br />4 beds, 1.0 baths, 1,577 sq ft </div></div></div>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com3tag:blogger.com,1999:blog-8449425153344885020.post-49910687581338350442010-01-29T19:00:00.000-08:002010-08-20T21:12:34.511-07:00Sonoma Canary<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh1fZXHobXvp-HgyPXyctgCHa7T8aBeV9DfQpKBrAX98DiJoCL_2n6e-ifqLdW4a7TxFDg2c-ZIWkwuwWd9Z6nUORs4U7hKRbRYUh9QO0DI6wZyCxxIzW7hXXU2HP7jW-yNfMS6X0lldw/s1600-h/canary_in_coal_mine.bmp"><img id="BLOGGER_PHOTO_ID_5287276284273144690" style="FLOAT: left; MARGIN: 0px 10px 10px 0px; WIDTH: 131px; CURSOR: hand; HEIGHT: 150px" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh1fZXHobXvp-HgyPXyctgCHa7T8aBeV9DfQpKBrAX98DiJoCL_2n6e-ifqLdW4a7TxFDg2c-ZIWkwuwWd9Z6nUORs4U7hKRbRYUh9QO0DI6wZyCxxIzW7hXXU2HP7jW-yNfMS6X0lldw/s200/canary_in_coal_mine.bmp" border="0" /></a>Below are the Notices of Default and Trustees Deeds for the county of Sonoma, as taken from the <a href="http://deeds.sonoma-county.org/">Sonoma County Assessor</a>. I thought I would regularly post these as indicators of the real estate situation and "recovery" in California.<br /><br />Note the drop in NODs and Trustees Deeds as the new California law (<a href="http://info.sen.ca.gov/pub/07-08/bill/sen/sb_1101-1150/sb_1137_cfa_20080402_090259_sen_comm.html">SB 1137</a>) went into effect. It effectively delayed the foreclosure process, offering no real benefit or solution for house debtors. The numbers below appear to support its lack of effectiveness.<br /><br />NODs are down in Jan 10', but Trustees Deeds are up. Lets watch that Alt-A bomb explode.<br /><br />Sonoma Story: <a href="http://www.calculatedriskblog.com/2009/05/alt-foreclosures-in-sonoma.html">Calculated Risk </a>article on the <a href="http://www.pressdemocrat.com/article/20090530/BUSINESS/905309961/1350?Title=Alt-A-loans-Second-wave-of-foreclosures-ahead">Alt-A bomb exploding in Sonoma</a>.<br /><br /><strong><span style="font-size:130%;color:#000099;">July '09 sets new record for NODs!!</span></strong><br /><br /><strong>NODs:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10</strong></span><br /><span style="font-family:courier new;">Jan 451 . 394 . 255</span><br /><span style="font-family:courier new;">Feb 513 . 468 . 380</span><br /><span style="font-family:courier new;">Mar 498 . 553 . 407</span><br /><span style="font-family:courier new;">Apr 509 . 497 . 354</span><br /><span style="font-family:courier new;">May 505 . 491 . 389</span><br /><span style="font-family:courier new;">Jun 492 . <span style="color:#000000;">562 . 303</span> </span><br /><span style="font-family:courier new;">Jul 460 . <span style="color:#000099;"><strong>615*.</strong><span style="color:#000000;"> 275</span></span></span><br /><span style="font-family:courier new;">Aug 482 . 425 . 252 through Aug 20</span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">191 .</span><span style="color:#000000;"> 399<br /></span></span><span style="font-family:courier new;">Oct <span style="color:#009900;">178 </span><span style="color:#000000;">. 379</span></span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">241 </span><span style="color:#000000;">. 320</span></span><span style="color:#000000;"><br /></span><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>500</strong> </span><span style="color:#000000;">. 319</span></span><br /><br /><span style="color:#000099;">* New Monthly Record</span><br /><span style="color:#009900;">* Sep '08</span>: CA Law <a href="http://info.sen.ca.gov/pub/07-08/bill/sen/sb_1101-1150/sb_1137_cfa_20080402_090259_sen_comm.html">SB 1137 </a>takes effect<br /><span style="color:#ff0000;">* Dec '08</span>: CA Law SB 1137 FAILS<br /><br /><strong>Trustees Deeds:</strong><br /><span style="font-family:courier new;"><strong>. . '08 . '09 . '10</strong></span><br /><span style="font-family:courier new;">Jan 164 . 166 . 181</span><br /><span style="font-family:courier new;">Feb 238 . 151 . 155</span><br /><span style="font-family:courier new;">Mar 221 . 121 . 209</span><br /><span style="font-family:courier new;">Apr 236 . 123 . 215</span><br /><span style="font-family:courier new;">May 280 . 149 . 184</span><br /><span style="font-family:courier new;">Jun 324 . <span style="color:#000000;">271 . 169</span></span><br /><span style="font-family:courier new;">Jul 341 . 202 . 179</span><br /><span style="font-family:courier new;">Aug 372 . 231 . 123 through Aug 20</span><br /><span style="font-family:courier new;">Sep <span style="color:#009900;">303 . </span><span style="color:#000000;">183</span></span><br /><span style="font-family:courier new;">Oct <span style="color:#009900;">195 </span><span style="color:#000000;">. 210 </span></span><br /><span style="font-family:courier new;">Nov <span style="color:#009900;">184 </span><span style="color:#000000;">. 218</span></span><br /><span style="font-family:courier new;">Dec <span style="color:#ff0000;"><strong>229</strong> </span><span style="color:#000000;">. 195</span></span>Tyronehttp://www.blogger.com/profile/04226876002855072090noreply@blogger.com7