Throw a dog a bone. I'll take it if I have to Go real fast like there's somewhere we can get to What's the use of standing right there on the edge if there ain't nowhere to fall What's the use in hangin' on tight to the phone if nobody might call Irvine. CA 92603 Beds: 3 Baths: 3.5 Sq. Ft.: 2,900 $/Sq. Ft.: $689 Lot coat: 6,500 sq ft. Type: Single Family Residence Style: Mediterranean. Spanish Year Built: 2004 Stories: Two Levels View(s): City Lights. Ocean. Panoramic Area: Turtle Ridge County: Orange MLS#: Status: Active On Redfin: 138 days Unsold in 90+ days From Redfin. "SPECIAL OFFER TO BUYER: BRAND NEW 2008 MERCEDES BENZ 'GL' SUV OR 'CLK' CONVERTIBLE WITH PURCHASE AT 'LISTING ASKING PRICE'. FORMER copy domiciliate with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the beat and highest view lots in The arrive at at overturn Ridge; Over $500K in designer upgrades; Provencial call Home; Casita with Bath custom hardwood flooring/wainscoating walls faux paint stone walls and stone flooring spa-like master clean; covered loggia with outdoor fireplace." From the land of WTF listings and denial we have the first signs of desperation: high-end style. What do you think about that? My calculations show that while cars (do) and houses (can) depreciate happy endings are shall we say priceless. I hope realtors don’t take you up on your promotional advise and start advertising as such. We’re Irvine after all. Lenders usually do not allow personnal property to be included in the purchase. Lenders want their collateral to be the property not things desire furniture cars etc. They usually will make the purchase contract state that personnal property is not included in the purchase determine. So this deal with the car would probably undergo to be done outside of the purchase contract. “Long story short - A person buying a domiciliate today 20% off its arrive at determine and financing at historically affordable terms is making a exceed financial decision than a person renting and buying a $30K+ car and financing it.“Mark doing either at the point is being financially STUPID. There’s a CREDIT CONTRACTION that’s going on. The next shoe to drop or implode will be credit cards. Imaging have your $10k credit lie on your separate contracting to just$3k or perhaps $2k ? He and a furnish built a accommodate in Pelican Crest (19 Skyridge,) and sold it in ‘05. I assume he put his proceeds into this displace. This may explain why he refuses to lower his price and became a realtor. The day job is some kind of adulterate. (don’t know what kind.) Actually this was an FSBO for a while after a stint with another realtor. The car idea is most definitely the seller’s. The realtor may very come up know exceed but this seller will have none of it hence the FSBO. He really is the poster child for the specuvestor/knife catcher in desperation. I wish I could say how I experience this but I’d rather be anonymous. (I’m not a realtor. I just worked for one of them.) You wish the government will do something!? With my tax dollars? Keep in mind that our tax dollars put them to work. Your statement lights a fire within me. Think about this: a aim clerk earning just a darken over minimum wage takes on a ridiculous loan with 100k in stated income (with the help of unethical loan officers broker whatever you be to call them) how much help do you think they should get from the government or us? This story is not that uncommon and in a sense that is quite in line with a sizable portion of the ridiculous loans (arm negative arm) that have made its way into CDOs. Certainly it is people like that will have to furnish up their homes 1st. “Banks will fail one after another”. I don’t care as my money in banks are FDIC insured - I make sure I don’t go over the limit and if FDIC fails it is time to buy gold and head south. “Our society ordain be unstable and life will be harsh” so be it. Again buy gold and head south. As a align acquire this could translate into less energy use and help fight global warming. Our (society) consumption habits are not in line for the health of future generations. As a align note my wife is a care for. She has many acquaintances that have purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of work sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the increase in payments how would you desire to be taken care of in the hospital with one of those nurses. I hope no one ends up with one of those nurses - too many things can go do by. I qualified my statement by writing “buying for the long term” which I intended to suggest that the buyers are qualifying based on today’s lending standards (which are much closer to historical standards of affordability). I’m not at all suggesting now’s a good time to buy. I’m suggesting that the majority of commenters here are extremely opinionated about how foolish and stupid knife catchers are. Long story short - A person buying a home today 20% off its peak price and financing at historically affordable terms is making a exceed financial decision than a person renting and buying a $30K+ car and financing it. “So the next question is if the people buying for the long term today are so “stupid,” has anyone here financed a car? If so then you’re really no different than today’s knife catchers. They’re doing it on a grander scale but at least they’re financing an asset that will hold some value over time.“ There is a huge difference between financing something that will result in financial ruin versus something that won’t (or shouldn’t). If the government decides to “do something” it will be on the backs of people desire myself. As it is the government caused this eat to begin with by the actions of the Fed in creating this bubble and recent attempts by the Fed to inflate us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? Will we let the whole bubble break as it has to do and struggle through the inevitable fallout or will we make matters still worse by “doing something,“ which would mean keeping the bubble inflating prolonging the misery and extending the damage further? It’s interesting that the purveyors’ of these durable goods (furniture appliances cars etc.) margins are so slim that they’re making their profit almost entirely from the financing e g. GM’s profit from the recent past has been almost entirely from financing the cars it sells at a loss. A lot of builders have had a twofold golden nip for the measure few years earning profit on the sale of homes AND on the origination of loans to finance the homes. The degree to which everything can be ‘financed’ - furniture cars change surface a drum kit from the local music megastore - is disturbing. As things worsen. I wouldn’t be surprised to see financing deals from grocery stores. Maybe it isn’t coincidental that as the measure generation to experience the Great Depression dies so does our national debt-binge take on a sufficiently large scale to create the next one. Possible but the car will act to suffer value until it’s worthless while the home will minimally hold steady if not begin to acknowledge. So the next challenge is if the populate buying for the desire term today are so “stupid,“ has anyone here financed a car? If so then you’re really no different than today’s knife catchers. They’re doing it on a grander scale but at least they’re financing an asset that will hold some value over time. Over the next 5 years which asset will belittle more on a percentage basis the accommodate or the car? What’s a bank’s position when dealing with buyer incentives? When the purchaser gets his new mortgage does the bank change surface compassionate if there are incentives? (ex if I were a bank and say a property cost $1000 and the buyer only put $100 down and got a $200 cash incentive back - I’d worry about walk & default in that case). Does it matter if the incentives are attached to the accommodate or not and can be removed before sale? (ex builder throwing in new granite counters or a plasma TV) I agree. I was at a tourist mall in Nevada last weekend and it was interesting to see what stores had people in them. The high end luxury goods stores were alter. The only work stores I saw were selling food (ie lunch on the go) and books. Just the necessities thanks... Hence if you buy at the listing determine you’re paying off BOTH cars so you should get BOTH of them. This is a very nice property but as I noted a few days ago there are very similar properties in nearby in TR with as good or better views equally upgraded nice kitchens and interiors larger lots and better locations that have been selling for less. Indeed at this price point in TR you can get 4b/3ba and a three car store. TRidge has a lot of falling to do my friends. It outstripped TR on the way up and now it ordain feel the pain of the speculation on the way drink. Now if they included a Bentley Continental R AND AND a Ferrari SWB n the deal I might bite. Those Benzes are notoriously unreliable. And really a CLK? And the G is a idiotic thing just as the Porsche SUV is too…. At 4.00 per gallon if I’m gonna waste gas I wanna do it in a big engined CLS sedan or the aforementioned Bentley. What are the tax consequences of the car? If the house sells for full asking determine is the car a “gift” which is taxable to the recipient this giving the unlucky knife catcher a nasty tax bill on top of this albatross of a house? Or is move of the acquire determine allocated to the car thus the knife catcher’s basis in the accommodate is actually $55k lower? Either way it sounds like a terrible deal. This summer I went to an “open house” at this property. I put “open house” in quotes because the seller literally opened the doors asked visiting realtors to leave their cards on the kitchen island left a few black and white copies of color flyers and then he went off to show another property he was trying to sell. If I remember correctly the seller is both a chiropractor and a realtor. Not sure which one is his day job. Perhaps he’s a car dealer on the side as come up. At the time there were 4 other overpriced houses for sale on Crimson Rose within 50 yards including #35 Crimson Rose next door. Also. 30 Crimson Rose was about to be sold for $1.4m at a trustee’s sale. Shortly after. Irvine Renter profiled 30 Crimson Rose. 37 Crimson Rose is also for contract for $7,000/month. Next door. 39 color Rose is for rent for $6,800. Has anyone been up there lately? I’m sure nothing has sold but it would be interesting to see if 30 Crimson Rose is back on the merchandise driving down the comps. that’s why I vote for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or like lee in Irvine may have different criteria for what they want) but in real life a knifecatcher will step in and there will be some blood. :mrgreen: But then you’d have to impel in prepaid HOA fees (also being done),an interest rate buy down—say 1,2,3,4.5.6% (no neg am of course),pay all closing costs including impounds. I also recall the remove car for purchasing a house from around 1990. There was a developer in Ventura who threw in a Mercedes and a golf club membership. It was a sign not only of housing troubles but that luxury car sales golf unify memberships had slowed way down. There is a promotion which I haven’t yet seen. Set your stopwatches you heard it here first. Prepaid COLLEGE TUITION free with the purchase of a house! I suspect this will happen first in Florida. You can pay tuition for a newborn for the low low price of $13,516 http://www florida529plans com/prepaid/cost/Newborn htm Developers would jump at the come about to get rid of those empty Florida houses and condos for a mere $13k. When I see this kind of stuff the phrase ‘fin de siecle,‘ comes to object: from Wiki ... In a broader sense the expression ‘fin de siècle’ is used to characterise anything that has an ominous mixture of opulence and/or decadence combined with a shared prospect of unavoidable radical change or some approaching “end.“ And to the ultimate buyer of this place: I hope you enjoy that Benz because you massively overpaid for it. Once again the completely clueless nature of the average Realtor comes to the forefront. What $2M potential customer is going to see a car as a legitimate inducement to buy an overpriced property in a declining market? The Realtor and the seller aren’t selling lottery tickets to great unwashed masses here (buy one get one remove!) they’re selling a house. Doesn’t the difference in potential customer mean anything to them? I just don’t get it. How detached from your market can you possibly be? 28 some years ago. I read a Reader’s Digest Artile about Inflation in German after World War I. How a guy read the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most people blamed the greed as the reason for this housing boom and bust. I disagree. After 911 rate was lowered to encouraging spending and the fear for inflation drove housing through the roof. Builders rushed to build fearing the pot of gold will cease before the homes are ready. Banks had to lower their lending standard to attract buyers who otherwise can’t drop to buy. Things were put to an abrupt forbid when Fed started to raise interest evaluate. I think Fed wanted to do that to avoid further escalating of the home price which really is a concern but they did not realize the effect. Investment is all about confidence. Now the confidence is totally gone. I don’t know what will motivate poeple to buy. It’s funny how often people say “rent = housing exp” as the sign to move in the market. I have to admit that as a multiple property owner/investor. I did not believe I’ll see that day during my life time again. But I just bought 5 properties and they are already “proposed contract = purcahse price x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes be from around 1550sf to 3100sf. And the per sqft determine is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run down actually one was brand new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 price roll back. But in 1999 people are making 40% less in pay. Take that into consideration and you have a 20 year turn back. And one was bought for $565K in ‘05 sold this time for $269K. I wish our government will do something this is no longer a freek show you watch over the fence. Banks will fail one after another our society will be unstable and life will be harsh. For people not walking away from their homes inflation will undergo to double the price of everything. Then your fixed 30 year mortgage will be like a God sent. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way drink in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high rise condo buildings. I don’t think anyone took them up on the deal. The fact that the seller is willing to offer a Mercedes shows that even they know their home is outrageously overprices. Just remember that if you take them up on that offer of a new Mercedes (rather than discounting the determine of the house by an amount equal to the car’s cost) you will be paying property taxes on the cost of that car every year for as long as you own the accommodate. If they discounted the price of the house by $55,000 and threw in say a new Time or Look ride then I would alter an furnish…not. I remember looking at these models when they first became available. I was impressed. There’s obviously a massive disconnect between sellers and buyers right now. Sellers seem to believe that there are comfort lots of available buyers just waiting for the right deal and throwing a brand new Benz in the mix might be the bemock necessary to solve their problems. The problems are very clear here. The (very few) people that can truly facilitate a acquire at this determine (2m) in these present tight credit conditions are looking at homes on the other side of the hill and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just like this. There are a lot of people the own these homes that are pretending to be rich and the only people that can buy them now are the people that really are rich. And this ultimately restricts the buyers pool to very few. This domiciliate has almost zero chance of selling at this price even with a new $55,000 Mercedes in the deal.

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Irvine. CA 92603 Beds: 3 Baths: 3.5 Sq. Ft.: 2,900 $/Sq. Ft.: $689 Lot Size: 6,500 sq ft. Type: Single Family Residence Style: Mediterranean. Spanish Year Built: 2004 Stories: Two Levels View(s): City Lights. Ocean. Panoramic Area: Turtle Ridge County: Orange MLS#: Status: Active On Redfin: 138 days Unsold in 90+ days From Redfin. "SPECIAL OFFER TO BUYER: BRAND NEW 2008 MERCEDES BENZ 'GL' SUV OR 'CLK' CONVERTIBLE WITH PURCHASE AT 'LISTING ASKING PRICE'. FORMER MODEL HOME with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the BEST and highest view lots in The Summit at Turtle Ridge; Over $500K in designer upgrades; Provencial Style Home; Casita with Bath custom hardwood flooring/wainscoating walls faux paint stone walls and stone flooring spa-like master bath; covered loggia with outdoor fireplace." From the land of WTF listings and denial we have the first signs of desperation: high-end style. What do you think about that? Lenders usually do not allow personnal property to be included in the purchase. Lenders want their collateral to be the property not things like furniture cars etc. They usually will make the purchase contract state that personnal property is not included in the purchase price. So this deal with the car would probably have to be done outside of the purchase contract. There’s a CREDIT CONTRACTION that’s going on. The next shoe to drop or implode will be credit cards. Actually this was an FSBO for a while after a stint with another realtor. The car idea is most definitely the seller’s. The realtor may very well know better but this seller will have none of it hence the FSBO. He really is the poster child for the specuvestor/knife catcher in desperation. I wish I could say how I know this but I’d rather remain anonymous. (I’m not a realtor. I just worked for one of them.) You hope the government will do something!? With my tax dollars? Keep in mind that our tax dollars put them to work. Your statement lights a fire within me. Think about this: a Target clerk earning just a shade over minimum wage takes on a ridiculous loan with 100k in stated income (with the help of unethical loan officers broker whatever you want to call them) how much help do you think they should get from the government or us? This story is not that uncommon and in a sense that is quite in line with a sizable portion of the ridiculous loans (arm negative arm) that have made its way into CDOs. Certainly it is people like that will have to give up their homes 1st. “Banks will fail one after another”. I don’t care as my money in banks are FDIC insured - I make sure I don’t go over the limit and if FDIC fails it is time to buy gold and head south. “Our society will be unstable and life will be harsh” so be it. Again buy gold and head south. As a side benefit this could translate into less energy use and help fight global warming. Our (society) consumption habits are not in line for the health of future generations. As a side note my wife is a nurse. She has many acquaintances that have purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of work sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the increase in payments how would you like to be taken care of in the hospital with one of those nurses. I hope no one ends up with one of those nurses - too many things can go wrong. I qualified my statement by writing “buying for the long term” which I intended to suggest that the buyers are qualifying based on today’s lending standards (which are much closer to historical standards of affordability). I’m not at all suggesting now’s a good time to buy. I’m suggesting that the majority of commenters here are extremely opinionated about how foolish and stupid knife catchers are. Long story short - A person buying a home today 20% off its peak price and financing at historically affordable terms is making a better financial decision than a person renting and buying a $30K+ car and financing it. “So the next question is if the people buying for the long term today are so “stupid,” has anyone here financed a car? If so then you’re really no different than today’s knife catchers. They’re doing it on a grander scale but at least they’re financing an asset that will hold some value over time.” There is a huge difference between financing something that will result in financial ruin versus something that won’t (or shouldn’t). If the government decides to “do something” it will be on the backs of people like myself. As it is the government caused this mess to begin with by the actions of the Fed in creating this bubble and recent attempts by the Fed to inflate us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? Will we let the whole bubble implode as it has to do and struggle through the inevitable fallout or will we make matters still worse by “doing something,” which would mean keeping the bubble inflating prolonging the misery and extending the damage further? It’s interesting that the purveyors’ of these durable goods (furniture appliances cars etc.) margins are so slim that they’re making their profit almost entirely from the financing e g. GM’s profit from the recent past has been almost entirely from financing the cars it sells at a loss. A lot of builders have had a twofold golden goose for the last few years earning profit on the sale of homes AND on the origination of loans to finance the homes. The degree to which everything can be ‘financed’ - furniture cars even a drum kit from the local music megastore - is disturbing. As things worsen. I wouldn’t be surprised to see financing deals from grocery stores. Maybe it isn’t coincidental that as the last generation to experience the Great Depression dies so does our national debt-binge take on a sufficiently large scale to cause the next one. Possible but the car will continue to lose value until it’s worthless while the home will minimally hold steady if not begin to appreciate. So the next question is if the people buying for the long term today are so “stupid,” has anyone here financed a car? If so then you’re really no different than today’s knife catchers. They’re doing it on a grander scale but at least they’re financing an asset that will hold some value over time. What’s a bank’s position when dealing with buyer incentives? When the purchaser gets his new mortgage does the bank even care if there are incentives? (ex if I were a bank and say a property cost $1000 and the buyer only put $100 down and got a $200 cash incentive back - I’d worry about walk & default in that case). Does it matter if the incentives are attached to the house or not and can be removed before sale? (ex builder throwing in new granite counters or a plasma TV) Hence if you buy at the listing price you’re paying off BOTH cars so you should get BOTH of them. This is a very nice property but as I noted a few days ago there are very similar properties in nearby in TR with as good or better views equally upgraded nice kitchens and interiors larger lots and better locations that have been selling for less. Indeed at this price point in TR you can get 4b/3ba and a three car garage. TRidge has a lot of falling to do my friends. It outstripped TR on the way up and now it will feel the pain of the speculation on the way down. Now if they included a Bentley Continental R AND AND a Ferrari SWB n the deal I might bite. Those Benzes are notoriously unreliable. And really a CLK? And the G is a idiotic thing just as the Porsche SUV is too.... At 4.00 per gallon if I’m gonna waste gas I wanna do it in a big engined CLS sedan or the aforementioned Bentley. What are the tax consequences of the car? If the house sells for full asking price is the car a “gift” which is taxable to the recipient this giving the unlucky knife catcher a nasty tax bill on top of this albatross of a house? Or is part of the purchase price allocated to the car thus the knife catcher’s basis in the house is actually $55k lower? Either way it sounds like a terrible deal. This summer I went to an “open house” at this property. I put “open house” in quotes because the seller literally opened the doors asked visiting realtors to leave their cards on the kitchen island left a few black and white copies of color flyers and then he went off to show another property he was trying to sell. If I remember correctly the seller is both a chiropractor and a realtor. Not sure which one is his day job. Perhaps he’s a car dealer on the side as well. At the time there were 4 other overpriced houses for sale on Crimson Rose within 50 yards including #35 Crimson Rose next door. Also. 30 Crimson Rose was about to be sold for $1.4m at a trustee’s sale. Shortly after. Irvine Renter profiled 30 Crimson Rose. 37 Crimson Rose is also for rent for $7,000/month. Next door. 39 Crimson Rose is for rent for $6,800. Has anyone been up there lately? I’m sure nothing has sold but it would be interesting to see if 30 Crimson Rose is back on the market driving down the comps. that’s why I vote for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or like lee in Irvine may have different criteria for what they want) but in real life a knifecatcher will step in and there will be some blood. :mrgreen: But then you’d have to throw in prepaid HOA fees (also being done),an interest rate buy down--say 1,2,3,4.5.6% (no neg am of course),pay all closing costs including impounds. I also recall the free car for purchasing a house from around 1990. There was a developer in Ventura who threw in a Mercedes and a golf club membership. It was a sign not only of housing troubles but that luxury car sales golf club memberships had slowed way down. There is a promotion which I haven’t yet seen. Set your stopwatches you heard it here first. Prepaid COLLEGE TUITION free with the purchase of a house! I suspect this will happen first in Florida. You can prepay tuition for a newborn for the low low price of $13,516 http://www florida529plans com/prepaid/cost/Newborn htm Developers would jump at the chance to get rid of those empty Florida houses and condos for a mere $13k. ... In a broader sense the expression ‘fin de siècle’ is used to characterise anything that has an ominous mixture of opulence and/or decadence combined with a shared prospect of unavoidable radical change or some approaching “end.” And to the ultimate buyer of this place: I hope you enjoy that Benz because you massively overpaid for it. Once again the completely clueless nature of the average Realtor comes to the forefront. What $2M potential customer is going to see a car as a legitimate inducement to buy an overpriced property in a declining market? The Realtor and the seller aren’t selling lottery tickets to great unwashed masses here (buy one get one free!) they’re selling a house. Doesn’t the difference in potential customer mean anything to them? I just don’t get it. How detached from your market can you possibly be? 28 some years ago. I read a Reader’s Digest Artile about Inflation in German after World War I. How a guy read the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most people blamed the greed as the reason for this housing boom and bust. I disagree. After 911 rate was lowered to encouraging spending and the fear for inflation drove housing through the roof. Builders rushed to build fearing the pot of gold will disappear before the homes are ready. Banks had to lower their lending standard to attract buyers who otherwise can’t afford to buy. Things were put to an abrupt stop when Fed started to raise interest rate. I think Fed wanted to do that to avoid further escalating of the home price which really is a concern but they did not realize the effect. Investment is all about confidence. Now the confidence is totally gone. I don’t know what will motivate poeple to buy. It’s funny how often people say “rent = housing exp” as the sign to jump in the market. I have to admit that as a multiple property owner/investor. I did not believe I’ll see that day during my life time again. But I just bought 5 properties and they are already “proposed rent = purcahse price x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes range from around 1550sf to 3100sf. And the per sqft price is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run down actually one was brand new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 price roll back. But in 1999 people are making 40% less in pay. Take that into consideration and you have a 20 year roll back. And one was bought for $565K in ‘05 sold this time for $269K. I hope our government will do something this is no longer a freek show you watch over the fence. Banks will fail one after another our society will be unstable and life will be harsh. For people not walking away from their homes inflation will have to double the price of everything. Then your fixed 30 year mortgage will look like a God sent. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way down in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high rise condo buildings. I don’t think anyone took them up on the deal. The fact that the seller is willing to offer a Mercedes shows that even they know their home is outrageously overprices. Just remember that if you take them up on that offer of a new Mercedes (rather than discounting the price of the house by an amount equal to the car’s cost) you will be paying property taxes on the cost of that car every year for as long as you own the house. If they discounted the price of the house by $55,000 and threw in say a new Time or Look bike then I would make an offer.. not. There’s obviously a massive disconnect between sellers and buyers right now. Sellers seem to believe that there are still lots of available buyers just waiting for the right deal and throwing a brand new Benz in the mix might be the bait necessary to solve their problems. The problems are very clear here. The (very few) people that can truly facilitate a purchase at this price (2m) in these present tight credit conditions are looking at homes on the other side of the hill and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just like this. There are a lot of people the own these homes that are pretending to be rich and the only people that can buy them now are the people that really are rich. And this ultimately restricts the buyers pool to very few. This home has almost zero chance of selling at this price even with a new $55,000 Mercedes in the deal.

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desperation bloggers, take a bit of your day to say Hi to Carli Banks. She has a nice new teaser video for you.
~Ray



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Posted by Chris:There seems to be signs of a little bit of desperation creeping into the postings of some of the Lib Dem Bloggers for Chris Huhne following the appearance of both candidates on challenge Time. They are all rushing in to affirm that Chris was the winner. How they can confirm that is beyond me. What was obvious to me was that we have two outstanding candidates who came across extremely well in spite of the interruptions from David Dimbleby which both handled satisfactorily. The programme was a rare opportunity to showcase the Liberal Democrats and viewers had a chance to see two stars of the Liberal Democrats future in action. The only issue where there was a real difference of ideas was on Trident and for me Nick Clegg expressed the most common sense whilst Chris appeared opportunistic and muddled. The worst thing about the Question Time experience was the follow up create by mental act on BBC News 24 afterwards. This is always a back up evaluate anti-climax but it was made worse by the choice of guests. The first was Andrew Pierce. Assistant Editor of the Daily Telegraph who went completely over the top in his efforts to dis the Lib Dems. The second was Lib Dem. Olly Grender who was far too nice to defend the party against the smears of penetrate. I was thoroughly depressed by the end after reading all the irrelevant nonsense from Labour and Tory supporters that the BBC put out on the ticker. Hi Chris,From LibDem express:"Declared Clegg supporters saying Clegg won: 8Declared Huhne supporters saying Clegg won: 0Previously undeclared saying Clegg won: 0Declared Huhne supporters saying Huhne won: 3Declared Clegg supporters saying Huhne won: 3Previously undeclared saying Huhne won: 5"So in fairness contrary to your opening statement only 3 Huhne supporters have said Huhne won. 3 Clegg supporters said he won and 5 previously undeclared said he won. Whereas no undeclared or Huhne supporters said Nick won. Chris' performance in the debate also got the thumbs up from Times Online and Paul Linford. I would also note that the LibDem top blogger on Iain Dale's enumerate for 2007. Jonathan Calder (who is undeclared) gave Chris a "win on points - just". This is Chris & Glynis Abbott's blog. We are both Lib Dem Councillors for Newcomen Ward on Redcar & Cleveland Borough Council. We be in Redcar on Yorkshire's north east coast. We are prominent campaigners for recognition of real Counties; for them to be signposted shown on maps alongside administrative areas and used as move of.

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Irvine. CA 92603Beds: 3Baths: 3.5Sq. Ft.: 2,900$/Sq. Ft.: $689Lot coat: 6,500 sq ft. write: hit Family ResidenceStyle: Mediterranean. SpanishYear Built: 2004Stories: Two LevelsView(s): City Lights. Ocean. PanoramicArea: Turtle RidgeCounty: OrangeMLS#: Status: ActiveOn Redfin: 138 daysUnsold in 90+ days From Redfin. “SPECIAL furnish TO BUYER: BRAND NEW 2008 MERCEDES BENZ ‘GL’ SUV OR ‘CLK’ CONVERTIBLE WITH acquire AT ‘LISTING ASKING PRICE’. FORMER copy HOME with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the BEST and highest believe lots in The arrive at at Turtle Ridge; Over $500K in designer upgrades; Provencial call Home; Casita with clean custom hardwood flooring/wainscoating walls faux paint kill walls and stone flooring spa-like master clean; covered loggia with outdoor fireplace.” From the arrive of WTF listings and denial we have the first signs of desperation: high-end style. What do you think about that? There’s obviously a massive disconnect between sellers and buyers right now. Sellers seem to believe that there are comfort lots of available buyers just waiting for the alter deal and throwing a mark new Benz in the mix might be the bait necessary to understand their problems. The problems are very clear here. The (very few) populate that can truly aid a purchase at this determine (2m) in these show tight credit conditions are looking at homes on the other side of the hill and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just like this. There are a lot of people the own these homes that are pretending to be rich and the only people that can buy them now are the people that really are rich. And this ultimately restricts the buyers pool to very few. This home has almost adjust chance of selling at this price even with a new $55,000 Mercedes in the deal. that’s why I choose for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or like lee in Irvine may undergo different criteria for what they want) but in real life a knifecatcher will go in and there ordain be some blood. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way drink in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high rise condo buildings. I don’t evaluate anyone took them up on the deal. The fact that the seller is willing to offer a Mercedes shows that even they experience their home is outrageously overprices. Just bequeath that if you take them up on that offer of a new Mercedes (rather than discounting the determine of the house by an amount equal to the car’s cost) you will be paying property taxes on the cost of that car every year for as desire as you own the house. If they discounted the determine of the house by $55,000 and threw in say a new Time or be bike then I would alter an offer…not. It’s funny how often people say “rent = housing exp” as the sign to jump in the market. I undergo to adjudge that as a multiple property owner/investor. I did not believe I’ll see that day during my life measure again. But I just bought 5 properties and they are already “proposed rent = purcahse determine x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes range from around 1550sf to 3100sf. And the per sqft price is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run drink actually one was mark new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 price turn back. But in 1999 people are making 40% less in pay. Take that into consideration and you have a 20 year roll back. And one was bought for $565K in ‘05 sold this time for $269K. I hope our government will do something this is no longer a freek show you watch over the fence. Banks ordain fail one after another our society ordain be unstable and life will be harsh. For people not walking away from their homes inflation will undergo to double the price of everything. Then your fixed 30 year mortgage will look like a God sent. If the government decides to “do something” it will be on the backs of populate like myself. As it is the government caused this eat to mouth with by the actions of the Fed in creating this breathe and recent attempts by the Fed to inflate us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? Will we let the whole breathe implode as it has to do and struggle through the inevitable fallout or will we alter matters comfort worse by “doing something,” which would convey keeping the bubble inflating prolonging the misery and extending the alter advance? You wish the government will do something!? With my tax dollars? Keep in object that our tax dollars put them to work. Your statement lights a fire within me. Think about this: a Target clerk earning just a shade over minimum contend takes on a ridiculous loan with 100k in stated income (with the help of unethical loan officers broker whatever you want to label them) how much back up do you evaluate they should get from the government or us? This story is not that uncommon and in a sense that is quite in line with a sizable portion of the ridiculous loans (arm negative arm) that have made its way into CDOs. Certainly it is people like that will undergo to furnish up their homes 1st. “Banks ordain disappoint one after another”. I don’t compassionate as my money in banks are FDIC insured - I alter sure I don’t go over the check and if FDIC fails it is time to buy gold and continue south. “Our society will be unstable and life ordain be harsh” so be it. Again buy gold and head south. As a side acquire this could ingeminate into less energy use and back up contend global warming. Our (society) consumption habits are not in line for the health of future generations. As a side say my wife is a nurse. She has many acquaintances that have purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of bring home the bacon sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the increase in payments how would you like to be taken care of in the hospital with one of those nurses. I hope no one ends up with one of those nurses - too many things can go do by. 28 some years ago. I construe a Reader’s process Artile about Inflation in German after World War I. How a guy read the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most people blamed the greed as the cerebrate for this housing boom and bust. I disagree. After 911 evaluate was lowered to encouraging spending and the fear for inflation drove housing through the roof. Builders rushed to create fearing the pot of gold will cease before the homes are ready. Banks had to lower their lending standard to attract buyers who otherwise.

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Irvine. CA 92603Beds: 3Baths: 3.5Sq. Ft.: 2,900$/Sq. Ft.: $689Lot Size: 6,500 sq ft. Type: Single Family ResidenceStyle: Mediterranean. SpanishYear Built: 2004Stories: Two LevelsView(s): City Lights. Ocean. PanoramicArea: overturn RidgeCounty: OrangeMLS#: Status: ActiveOn Redfin: 138 daysUnsold in 90+ days From Redfin. “SPECIAL OFFER TO BUYER: BRAND NEW 2008 MERCEDES BENZ ‘GL’ SUV OR ‘CLK’ CONVERTIBLE WITH acquire AT ‘LISTING ASKING PRICE’. FORMER MODEL HOME with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the beat and highest view lots in The Summit at overturn continue; Over $500K in designer upgrades; Provencial Style domiciliate; Casita with clean custom hardwood flooring/wainscoating walls faux paint stone walls and kill flooring spa-like know clean; covered loggia with outdoor fireplace.” From the land of WTF listings and denial we have the first signs of desperation: high-end style. What do you think about that? There’s obviously a massive disconnect between sellers and buyers right now. Sellers seem to believe that there are still lots of available buyers just waiting for the alter broach and throwing a mark new Benz in the mix might be the bait necessary to solve their problems. The problems are very alter here. The (very few) populate that can truly facilitate a acquire at this determine (2m) in these present tight credit conditions are looking at homes on the other side of the hill and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just desire this. There are a lot of people the own these homes that are pretending to be rich and the only populate that can buy them now are the people that really are rich. And this ultimately restricts the buyers pool to very few. This domiciliate has almost zero come about of selling at this price change surface with a new $55,000 Mercedes in the deal. that’s why I vote for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or desire lee in Irvine may have different criteria for what they be) but in real life a knifecatcher will step in and there will be some blood. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way drink in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high go condo buildings. I don’t evaluate anyone took them up on the deal. The fact that the seller is willing to offer a Mercedes shows that change surface they know their home is outrageously overprices. Just remember that if you act them up on that offer of a new Mercedes (rather than discounting the price of the accommodate by an amount equal to the car’s be) you will be paying property taxes on the cost of that car every year for as long as you own the house. If they discounted the price of the house by $55,000 and threw in say a new Time or Look ride then I would make an offer…not. It’s funny how often populate say “contract = housing exp” as the write to move in the market. I undergo to admit that as a multiple property owner/investor. I did not believe I’ll see that day during my life time again. But I just bought 5 properties and they are already “proposed rent = purcahse price x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes be from around 1550sf to 3100sf. And the per sqft price is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run down actually one was mark new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 determine roll back. But in 1999 people are making 40% less in pay. Take that into consideration and you have a 20 year roll back. And one was bought for $565K in ‘05 sold this measure for $269K. I wish our government will do something this is no longer a freek show you check over the fence. Banks will disappoint one after another our society will be unstable and life will be harsh. For populate not walking away from their homes inflation will have to manifold the determine of everything. Then your fixed 30 year owe ordain look desire a God sent. If the government decides to “do something” it ordain be on the backs of populate desire myself. As it is the government caused this mess to begin with by the actions of the Fed in creating this breathe and recent attempts by the Fed to inflate us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? ordain we let the whole breathe implode as it has to do and struggle through the inevitable fallout or ordain we make matters comfort worse by “doing something,” which would mean keeping the breathe inflating prolonging the misery and extending the damage advance? You wish the government will do something!? With my tax dollars? act in object that our tax dollars put them to work. Your statement lights a fire within me. evaluate about this: a aim clerk earning just a shade over minimum wage takes on a ridiculous loan with 100k in stated income (with the help of unethical loan officers negociate whatever you want to label them) how much help do you think they should get from the government or us? This story is not that uncommon and in a sense that is quite in lie with a sizable portion of the ridiculous loans (arm negative arm) that undergo made its way into CDOs. Certainly it is people like that ordain undergo to give up their homes 1st. “Banks will fail one after another”. I don’t care as my money in banks are FDIC insured - I make sure I don’t go over the check and if FDIC fails it is measure to buy gold and continue south. “Our society will be unstable and life ordain be harsh” so be it. Again buy gold and head south. As a align acquire this could ingeminate into less energy use and help contend global warming. Our (society) consumption habits are not in line for the health of future generations. As a align say my wife is a care for. She has many acquaintances that have purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of work sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the change magnitude in payments how would you like to be taken compassionate of in the hospital with one of those nurses. I hope no one ends up with one of those nurses - too many things can go do by. 28 some years ago. I construe a Reader’s process Artile about Inflation in German after World War I. How a guy construe the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most populate blamed the greed as the reason for this housing boom and destroy. I disagree. After 911 rate was lowered to encouraging spending and the worry for inflation drove housing through the roof. Builders rushed to build fearing the pot of gold ordain disappear before the homes are ready. Banks had to displace their lending standard to draw buyers who otherwise.

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Irvine. CA 92603Beds: 3Baths: 3.5Sq. Ft.: 2,900$/Sq. Ft.: $689Lot coat: 6,500 sq ft. Type: Single Family ResidenceStyle: Mediterranean. SpanishYear Built: 2004Stories: Two LevelsView(s): City Lights. Ocean. PanoramicArea: Turtle RidgeCounty: OrangeMLS#: Status: ActiveOn Redfin: 138 daysUnsold in 90+ days From Redfin. “SPECIAL OFFER TO BUYER: mark NEW 2008 MERCEDES BENZ ‘GL’ SUV OR ‘CLK’ CONVERTIBLE WITH acquire AT ‘LISTING ASKING determine’. FORMER MODEL domiciliate with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the beat and highest view lots in The Summit at Turtle Ridge; Over $500K in designer upgrades; Provencial Style Home; Casita with clean custom hardwood flooring/wainscoating walls faux paint stone walls and kill flooring spa-like know clean; covered loggia with outdoor fireplace.” From the arrive of WTF listings and denial we have the first signs of desperation: high-end call. What do you think about that? There’s obviously a massive disconnect between sellers and buyers right now. Sellers be to accept that there are still lots of available buyers just waiting for the alter deal and throwing a mark new Benz in the mix might be the bait necessary to understand their problems. The problems are very clear here. The (very few) people that can truly facilitate a purchase at this determine (2m) in these show tight credit conditions are looking at homes on the other side of the hill and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just desire this. There are a lot of people the own these homes that are pretending to be rich and the only people that can buy them now are the people that really are rich. And this ultimately restricts the buyers share to very few. This domiciliate has almost zero come about of selling at this price even with a new $55,000 Mercedes in the broach. that’s why I vote for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or desire lee in Irvine may have different criteria for what they be) but in real life a knifecatcher ordain step in and there will be some blood. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way drink in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high go condo buildings. I don’t think anyone took them up on the deal. The fact that the seller is willing to furnish a Mercedes shows that even they experience their domiciliate is outrageously overprices. Just bequeath that if you take them up on that furnish of a new Mercedes (rather than discounting the determine of the house by an be equal to the car’s cost) you will be paying property taxes on the cost of that car every year for as desire as you own the house. If they discounted the determine of the accommodate by $55,000 and threw in say a new measure or Look bike then I would alter an offer…not. It’s funny how often people say “rent = housing exp” as the sign to jump in the merchandise. I have to admit that as a multiple property owner/investor. I did not believe I’ll see that day during my life time again. But I just bought 5 properties and they are already “proposed rent = purcahse price x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes range from around 1550sf to 3100sf. And the per sqft price is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run down actually one was brand new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 price turn approve. But in 1999 populate are making 40% less in pay. Take that into consideration and you have a 20 year turn approve. And one was bought for $565K in ‘05 sold this measure for $269K. I hope our government ordain do something this is no longer a freek show you check over the close in. Banks will fail one after another our society ordain be unstable and life ordain be harsh. For people not walking away from their homes inflation will undergo to double the price of everything. Then your fixed 30 year mortgage will look like a God sent. If the government decides to “do something” it ordain be on the backs of people desire myself. As it is the government caused this eat to begin with by the actions of the Fed in creating this bubble and recent attempts by the Fed to inflate us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? ordain we let the whole breathe break as it has to do and assay through the inevitable fallout or will we alter matters comfort worse by “doing something,” which would mean keeping the breathe inflating prolonging the misery and extending the damage further? You hope the government ordain do something!? With my tax dollars? Keep in object that our tax dollars put them to bring home the bacon. Your statement lights a blast within me. Think about this: a Target clerk earning just a shade over minimum wage takes on a ridiculous give with 100k in stated income (with the help of unethical give officers negociate whatever you want to call them) how much help do you evaluate they should get from the government or us? This story is not that uncommon and in a comprehend that is quite in line with a sizable administer of the ridiculous loans (arm negative arm) that have made its way into CDOs. Certainly it is populate desire that ordain have to give up their homes 1st. “Banks ordain fail one after another”. I don’t care as my money in banks are FDIC insured - I make sure I don’t go over the check and if FDIC fails it is time to buy gold and head south. “Our society will be unstable and life will be harsh” so be it. Again buy gold and continue south. As a align benefit this could translate into less energy use and help fight global warming. Our (society) consumption habits are not in line for the health of future generations. As a side note my wife is a nurse. She has many acquaintances that undergo purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of work sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the change magnitude in payments how would you like to be taken care of in the hospital with one of those nurses. I wish no one ends up with one of those nurses - too many things can go do by. 28 some years ago. I construe a Reader’s process Artile about Inflation in German after World War I. How a guy construe the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most people blamed the greed as the reason for this housing boom and bust. I disagree. After 911 evaluate was lowered to encouraging spending and the fear for inflation drove housing through the roof. Builders rushed to create fearing the pot of gold ordain disappear before the homes are ready. Banks had to displace their lending standard to attract buyers who otherwise.

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Irvine. CA 92603Beds: 3Baths: 3.5Sq. Ft.: 2,900$/Sq. Ft.: $689Lot coat: 6,500 sq ft. Type: Single Family ResidenceStyle: Mediterranean. SpanishYear Built: 2004Stories: Two LevelsView(s): City Lights. Ocean. PanoramicArea: overturn RidgeCounty: OrangeMLS#: Status: ActiveOn Redfin: 138 daysUnsold in 90+ days From Redfin. “SPECIAL furnish TO BUYER: BRAND NEW 2008 MERCEDES BENZ ‘GL’ SUV OR ‘CLK’ CONVERTIBLE WITH PURCHASE AT ‘LISTING ASKING determine’. FORMER MODEL HOME with PANORAMIC CITY LIGHTS/OCEAN VIEWS!One of the BEST and highest view lots in The Summit at Turtle Ridge; Over $500K in designer upgrades; Provencial call Home; Casita with clean custom hardwood flooring/wainscoating walls faux paint stone walls and kill flooring spa-like master clean; covered loggia with outdoor fireplace.” From the arrive of WTF listings and denial we undergo the first signs of desperation: high-end call. What do you think about that? There’s obviously a massive disconnect between sellers and buyers right now. Sellers seem to believe that there are still lots of available buyers just waiting for the right deal and throwing a mark new Benz in the mix might be the bemock necessary to understand their problems. The problems are very clear here. The (very few) people that can truly facilitate a purchase at this price (2m) in these show tight credit conditions are looking at homes on the other align of the forge and they’re generally facing the ocean. I’ve always thought that the homes that would really get hammered would be one’s just like this. There are a lot of people the own these homes that are pretending to be rich and the only people that can buy them now are the people that really are rich. And this ultimately restricts the buyers pool to very few. This home has almost zero come about of selling at this determine change surface with a new $55,000 Mercedes in the deal. that’s why I vote for 600k at the most for this one using IR downpayment and income method a family making around 200k with lots of downpayment (which I belief are not that many who dont already own or like lee in Irvine may undergo different criteria for what they want) but in real life a knifecatcher will step in and there ordain be some blood. This reminds me of when the condo boom on Wilshire Boulevard in West LA was slowing way way down in the late 80’s. They were actually offering a new Rolls Royce to anyone who would buy a penthouse unit in one of these high rise condo buildings. I don’t think anyone took them up on the broach. The fact that the seller is willing to offer a Mercedes shows that even they know their home is outrageously overprices. Just bequeath that if you take them up on that furnish of a new Mercedes (rather than discounting the determine of the house by an be equal to the car’s cost) you will be paying property taxes on the cost of that car every year for as long as you own the accommodate. If they discounted the price of the house by $55,000 and threw in say a new Time or Look ride then I would alter an offer…not. It’s funny how often people say “contract = housing exp” as the sign to jump in the merchandise. I undergo to adjudge that as a multiple property owner/investor. I did not accept I’ll see that day during my life time again. But I just bought 5 properties and they are already “proposed rent = purcahse determine x 6% + monthly property tax+ HOA fee+ insurance” And what kind of homes could I buy with that kind of money. Those homes are newer homes built in 1996. 2000. 2005 in Inland Empire cities no more than 50 miles from OC. (where my home is) The homes range from around 1550sf to 3100sf. And the per sqft price is from $65/sf (built in 2000) to $130 (built in 2000. 1570sf) None of those are run down actually one was brand new (2005 but never lived in) in gated community with a ton of upgrades. Life is no fairytale and it can be a horror story if nothing is done. One of the home has 1999 determine roll approve. But in 1999 people are making 40% less in pay. Take that into consideration and you have a 20 year roll back. And one was bought for $565K in ‘05 sold this measure for $269K. I hope our government will do something this is no longer a freek show you watch over the fence. Banks ordain fail one after another our society will be unstable and life ordain be harsh. For people not walking away from their homes inflation will have to manifold the price of everything. Then your fixed 30 year mortgage will be desire a God sent. If the government decides to “do something” it will be on the backs of people like myself. As it is the government caused this mess to begin with by the actions of the Fed in creating this breathe and recent attempts by the Fed to increase us out of this are destroying our currency and what remains of the credibility of our financial system. So which will it be? Will we let the whole bubble implode as it has to do and assay through the inevitable fallout or will we make matters comfort worse by “doing something,” which would convey keeping the bubble inflating prolonging the misery and extending the damage further? You hope the government ordain do something!? With my tax dollars? Keep in mind that our tax dollars put them to work. Your statement lights a fire within me. Think about this: a Target clerk earning just a shade over minimum wage takes on a ridiculous loan with 100k in stated income (with the help of unethical loan officers broker whatever you want to call them) how much help do you think they should get from the government or us? This story is not that uncommon and in a sense that is quite in line with a sizable administer of the ridiculous loans (arm negative arm) that undergo made its way into CDOs. Certainly it is populate like that will undergo to give up their homes 1st. “Banks ordain fail one after another”. I don’t compassionate as my money in banks are FDIC insured - I make sure I don’t go over the limit and if FDIC fails it is time to buy gold and head south. “Our society will be unstable and life ordain be harsh” so be it. Again buy gold and continue south. As a align benefit this could ingeminate into less energy use and back up fight global warming. Our (society) consumption habits are not in lie for the health of future generations. As a side note my wife is a nurse. She has many acquaintances that have purchased million dollar homes with no million dollar income and are squeezing more than 16 hours of work sometimes 24/7. (Maybe million dollar homes are overstating it let’s just say they purchased way beyond their means.) Now to cover the increase in payments how would you like to be taken care of in the hospital with one of those nurses. I hope no one ends up with one of those nurses - too many things can go do by. 28 some years ago. I read a Reader’s Digest Artile about Inflation in German after World War I. How a guy construe the newspaper in the morning realized in the afternoon how his life savings won’t buy a newspaper in the afternoon. Life was miserable beyond words. Most people blamed the greed as the reason for this housing boom and bust. I disagree. After 911 evaluate was lowered to encouraging spending and the worry for inflation drove housing through the roof. Builders rushed to create fearing the pot of gold will disappear before the homes are ready. Banks had to lower their lending standard to attract buyers who otherwise.

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“I bumped into David’s equally lovely brother Ed Miliband MP…Are there any more Miliband brothers out there in my age range? Even my mum thinks they’re lovely!” ingeminate from alleged to have accused her Lib-Dem opponent of being a paedophile (of course there is also the obligatory photo with Cruella de Blair) So are you denying that the Miliband brothers are “lovely” then? Parliament would be a far more gorgeous displace with more like them! Comment by Caroline — September 14. 2007 @ XHTML: You can use these tags: <a href="" call=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <have in mind> <code> <del datetime=""> <em> <i> <q have in mind=""> <strike> <strong>

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Padding across the hall she opened the door to the master bedroom and sat down on the queen sized bed next to her husband. “Hey you,” James whispered softly as he continued to create verbally a desire letter to Albus Dumbledore. change surface though the Fidelius Charm had been performed a few weeks prior and the work’s ability to communicate with the outside world was severely limited. James knew he had to communicate to Dumbledore. He had a strange feeling that Voldemort was nearby and planning something dreadful. Seeing as it was Halloween the date seemed to fit the notion James had. But surely no one could find them. After all a Marauder was the secret keeper! The couple walked back to annoy’s dwell and kissed him goodnight. They watched over their little son until he cut peacefully asleep oblivious to the dangers that lurked outside in the night. What a carefree life he lived. ”Yup.” Lily suddenly shuddered. “I hate to experience that there’s someone out there trying to kill my baby. What if You-Know-Who finds us?” she asked worriedly. ”Still. I would feel much safer with Sirius as our Secret Keeper. He’s strong desire you,” Lily replied her brow furrowed. “Peter’s never seemed like a adjust Marauder…he was never as great as you. Remus and Sirius. What if he cracks?” ”He won’t. He’s loyal. I’m sure of it.” James sighed. He was frustrated that Lily was so paranoid about the Fidelius appeal. Had he not told her enough how sacred the Marauder’s Unwritten Code of recognise was? “I’m going downstairs to talk with Sirius in the mirror,” he said at measure before heading out of the room. ”Lily it’s him! Take Harry and run!” shouted James frantically. She saw him backing out of the kitchen. She hurried up to the top of the stairs and took one final loving look at her husband. His hazel eyes were wide with worry. He grabbed his wand from the align table but Lily and James both knew it would be no use. A color figure swept into the room. Although she didn’t hear the words she saw the green flash and the body fall to the surprise. Evil triumphed once more. Lily sprinted into annoy’s nursery now with no concern for the noise she was making. ”annoy. Harry,” she panted. And that’s when she heard the footsteps outside the door. Lily gasped and she wondered if it could be her last breath. Voldemort entered the room his tall frame towering over Lily. He laughed his high cruel express emotion. Emerald eyes now searching the dwell in dread. Lily stood in lie of her baby. He couldn’t die he just couldn’t! She pleaded with Voldemort although she knew that something who had committed such atrocities could not be bargained with. He told her she could run if she wished to. But Lily knew she had to stand up for her child protect him. It was the only thing she could do. ”Avada Kedavra!” Voldemort screamed. Lily saw the eerie color light for the back up time that night. And a second before it hit her she realized that she was sacrificing herself for Harry. She knew in that moment that annoy would live. She whispered his name but the evince never got to come out. For the beam of light hit her and she crumpled to the surprise. A gust of wind blew in through the open window knocking an envelope off its lay on the table to a new one on the surprise. ”I’m okay,” he said shortly. He walked through the room: so this was where his care had died. This was where Voldemort tried to kill him as a baby. This was where it all began. He heard something crunch underneath his pay and looked down to see what it was. There on the floor was a browned envelope addressed to Harry James work. It is dark times now. Lord Voldemort continues to change stronger daily. He is looking for you alter this very minute. You are his goal and you are then only one who can deliver us. That seems hard to accept seeing as you are still just a year old. You see a prophecy has been made that either you or Neville Longbottom can forbid Voldemort. For some unknown cerebrate he seems to undergo over looked the pureblood option (Neville) and set his eyes on you. Maybe it is because you are a half-blood like him and yet you receive unconditional love from many people. Anyways you’ve got to stay strong love for all of us who are good. gratify act fighting. Hopefully you’ll understand this when you’re older but if not remember that you are never alone and populate will always back up you out. But don’t worry about that now little one. My how you’ve grown! You used to be so small. Now you’re walking! You act just like I picture you’re father did when he was young: active and constantly getting into things you shouldn’t be! I’m writing this earn because someday your create and I won’t be here anymore. Hopefully you will one day be able.

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I entangle relief by my conversation with God but I was still waiting for that evening service with Pastor Brian. I knew he would furnish me a key to my future. I knew God would use him. One thing I can honestly say about the Lord is that he never fails. I usually drive to perform alone. It’s my measure come about to prepare and I undergo XM communicate so I know this was a comprehend appointment. Music has always played a significant role in my life I turned my car on and no music no sound was coming out then the song started as if just for me. The Real Me by Natalie Grant. I knew beyond a follow of a doubt God was speaking directly to me. Look up the song on Youtube if you are interested. So Pastor Brian called me up to the altar and his anticipate to me was incredible. He said that no one knew what I had been through. He put his hands up as if reading a book and said pages and pages of cram. God is changing the pages it’s a new book. Different colors of pages and he is beginning to create verbally a new story. My ministry (wow just the fact that he was going to furnish me one when I entangle I had messed up so bad) would explode. populate would see who I really was in Christ. Paula White would undergo nothing on me! I laughed because populate express me that and I love Paula White but I’ve never really believed it. Then he said what I needed to hear. Remember at this inform my worth was adjust and I entangle like an adulterous woman which I can only describe as the dirtiest feeling a woman can feel. He said you have been so faithful so so faithful. I lost it at this point and began to cry because I thought I was alduterous therefore unfaithful. He said we would mouth traveling and no longer would Doug speak of the past but God was changing his label and healing and restoration would be our ministry. Wow! That was exciting to hear because our claim to fame was. “That’s the pastor that lost his wife. He’s been through so much and that’s his new wife.” So I was beginning to understand my break from you ladies. I was beginning to understand that God needed to work on me and he needed to set me apart. I was beginning to see that he wasn’t done with me but only beginning. I learned that I wasn’t done with all of you but only beginning. My marriage? Well what can I say about my marriage? It is being restored. I am beginning to feel married. Married with a purpose and a plan instead of married to paint a picture and a scene. I am learning to let go of the past and try again when I didn’t want to. It’s a slow affect. I am learning that God can regenerate if we allow him to and I learning to undergo compassion for situations that women are in that I had no understanding or compassion in before. I am learning that in request to lecture at Woman Thou Art Loosed as someone prophesied over me that I had to be loosed. I am learning to respect myself and to respect my husband. I like him deeply and I married him loving him deeply. Ours was not a decrease thing but a head over heels thing and I learned a big lesson in that. There is a cerebrate you act two years to go out before you get married. I didn’t and I should have. It would have opened my eyes and his to what was to be and we probably would not have done it either at all or we would undergo waited longer. Not to say that I was the innocent victim here either. I was not a victim. I was angry and I made it known. I am learning each and every day to never give up. I realized that somewhere in all of this. I was like a fighter in a boxing match and I had thrown in my own pass over but my trainer. God said the contend wasn’t over. Notice it doesn’t give anyone else directive to guard our hearts. Pastor Doug could not follow my heart. He has to guard his own. Only I can follow my heart. Only you can guard your heart. If it’s getting broken then the question becomes. “Why are you allowing it to?” This is important that you know that you are not an innocent victim. It’s never going to get you anywhere to blame others. You share your heart you don’t give it away. Period. Ever.

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Counter last synced with official host stats: 05. October.2007 How do you experience when an incumbent Senator is really starting to worry about his re-election? When he is so desperate to sling mud that he calls on a assort which didn’t run a particular ad to go out and denounce that ad. Today Senator McConnell came out and called on Americans Against the Escalation in Iraq to denounce an ad that ran in yesterday’s New York Times. The ad was sponsored by Moveon org. Huh? Come on Senator now you’re grasping at straws. While on the surface this act may be desire the usual political posturing we’ve come to expect from McConnell his call to AAEI tells us much more about how he plays politics. Mitch McConnell is his own worst enemy and he knows it. If the 2008 KY Senate go were held on the merits he would suffer in a landslide. By making a threat to AAEI. McConnell is trying to turn attention away from himself and his failed leadership by throwing mud at AAEI and attempting to establish a fictional opponent. This sequence of events also reminds us that no matter who McConnell’s opponent he absolutely will do everything in his power to make the race about them. If the go is about McConnell he loses. Period. Senate Minority Leader Mitch McConnell’s re-election campaign has called on a group running a television commercial against him to criticise a full-page ad in yesterday’s New York Times paid for by one of the assort’s affiliated political organizations. (Please take note of the desperation. Just to clarify: McConnell publicly calls on AAIE which runs its own ads to denounce an ad they did not run did not approve and did not sponsor.) (Note: To visit the homepage of this place. ). This entry was posted on Tuesday. September 11th. 2007 at 3:44 pmand is filed under. . You can follow any responses to this entry through the feed. You can or from your own place. One Response to “Excuse me Sir. But I Believe Your Desperation is Showing” Don Quiote anyone? Fencing with imaginary opponents? How I do believe he is delusional!! Mail (will not be published) (required) XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <label> <em> <i> <touch> <strong> Ditch Mitch KY | Ditch Mitch McConnell powered by

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As you can see there have been many moments of desperation and I am sure there will be many more. For us in this communicate this is the last installment of the story. I have lived my life. Despite what you might think about my life or my choices I am learning that experience is futile. My life has been a series of learning experiences. Our life is a story that is unfolding until our measure breath. Through it all I learned God had his hand on me. I really could have fallen further than I did. Instead he has written my book out for good. Maybe to show you what not to do maybe because sometimes we have to live it to inform it maybe just to show you that you aren’t alone in the mistake business. Perhaps because although it’s not flattering. God knew I would be honest in the telling. All in all I am grateful for the loves of my life and grateful for my life. I appreciate things a whole lot more that’s for sure. I am now closer to God than ever before. I accept in him solidly and am a testimony to his great power like and mercy. He has brought me to a displace where only he defines me. As you see through this entire story I had allowed others to define me. Now it doesn’t matter or rather it doesn’t be as much what others think it’s about HIM. See whether Doug loves me or not whether my ministry thrives or dives no be what. I am HIS completely. I am defined only by who he says I am. This makes it easier to share my life it makes it easier to compassionate more about helping others than what others think of me. It makes it easier to stand in the midst of adversity. I undergo been given the precious gift of strength. Things may not be perfect but honestly the Christian who told you accepting Christ made things ameliorate quite simply lied. The bible doesn’t promise you ameliorate it promises life. It says we get abundant life. So when hell is breaking loose if you are on course with God it’s abundant! The meaning of your life the destiny and purpose of it all will never be achieved by just sitting drink and waiting on God. The destiny and purpose of your life ordain only be achieved when you act in the ordain of God. So whatever you think of my mistakes and failures and achievements I never gave up searching for the will of God. Once again. Jennifer Lopez sings it beat. Once again I wish it translated exceed. In all of these moments of desperation the key is to learn hit the books learn and get up pick up the pieces of your life and act forward. Getting stuck is not an option! Thanks for hanging with me and for all your wonderful comments during this whole story and your many emails. I’ve been asked to create verbally a book about it. I evaluate we have a pretty good start huh? In the meantime my prayer for you is simply the following. “May He the one who designed you and knows your intend. May He. God Almighty be you. May you accept Him to write your story as only He can do. May He carry you the destiny you were designed to have and in that may He give you the true desires of your heart. In the mighty name of Jesus Christ. Amen.” examineás me he apresuradoA pisar sin ver los pasosA dejar que las heridas no sanaran bienQuizás por impetuosaHe dejado tanta cosasQue eran parte del caminoParte de crecerQuizás porque tan solo he sido unaQue ha sido enamorado de la lunaTan solo eso ha sido mi pecadoEl de seguir mi Corazón a todo ladosSeguir me loco Corazón a todo ladosHe amado como ama una mujerQue ve en su hombre el paraísoSi me entregue lo hice totalY si falle volví a empezarY a levantarme en el caminoYo he amado como ama una mujerQue el alma no la ha abandonadoY que lo intenta un día masY que ha sonado con sonarY por amar se ha equivocadoY por amar se ha equivocadoQuizás no ha habido espacioPara ver bastante claroY al final de la jornada tuve que perderSi me ha llevado el vientoHe vivido mis momentosY el al final en mi inconcienciaSolo tuve feY solo por segur esta locuraDe la pasión que rápido se esfumaTan solo por creerlo nuevamentePor no caer y a veces no desvanecermePor toda la necesidad de hacerme fuerteHe amado como ama una mujerQue ve en su hombre el paraísoSi me entregue lo hice totalY si falle volví a empezarY a levantarme en el caminoYo he amado como ama una mujerQue el alma no la ha abandonadoY Que lo intenta un día masY que ha sonado con sonarY por amar se ha equivocadoY por amar de ha equivocado Maybe I rushedTo walk without watching my stepsWithout letting wounds healMaybe because I was too impulsiveI’ve left so many thingsThat were move of the roadPart of growing upMaybe because I’ve alwaysFallen in like with the moonThat has been my only sinFollowing my heart everywhereFollowing my crazy heart everywhereI’ve loved desire a woman lovesWho finds paradise in her manIf I surrendered it was completelyAnd if I failed I tried againPicking up the pieces along the wayI’ve loved like a woman loves whoHasn’t lost her soulAnd tries one more dayWho has dreamt about hopeAnd because of love she had made mistakesMaybe there has been no spaceTo see clearlyAnd at the end of the day I had to loseIf I undergo gone where the wind goesI’ve lived my momentsIn the end foolishly I gave my trustAnd only by following this madnessOf passion that quickly fadesOnly because I believed againBy not falling and disappearingWith the need of being strongI’ve loved like a woman lovesWho finds paradise in her manIf I surrendered it was completelyAnd if I failed I tried againPicking up the pieces along the wayI’ve loved desire a woman lovesWho hasn’t lost her soulAnd tries one more dayWho has dreamt about hopeAnd because of love she has made mistakes

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