Highland Village

新的Townhouse小区，位于Torrey Hill.

一共167家。 1274-2069 sf.

HOA is 268/ month for now. MR在60-85之间。

第一天开盘人非常的多。 应该未来是CV又一popular的小区。

关于water pipes

很多买家看房子的时候都会问，这个房子的水管是铜管还是PB的。

一般来说，Polybutylene (简称PB)是一种类似塑料的材料，以其低廉的造价和容易安装，广泛的应用在于1978年到1995年左右建造的房子。 PB的水管有蓝色的，灰色的，还有黑色的。

怎么能看出来房子用的是铜管还是PB， 很多的home inspector也都会推辞让你去找专业的水管工(plumper）来看。 有一些signs你可以观察来确定水管的材质：

Exterior - Polybutylene underground water mains are usually blue, but may be gray or black (do not confuse black poly with polyethelene pipe). It is usually 1/2" or 1" in diameter, and it may be found entering your home through the basement wall or floor, concrete slab or coming up through your crawlspace; frequently it enters the home near the water heater. Your main shutoff valve is attached to the end of the water main. Also, you should check at the water meter that is located at the street, near the city water main. It is wise to check at both ends of the pipe because we have found cases where copper pipe enters the home, and poly pipe is at the water meter. Obviously, both pipes were used and connected somewhere underground.

Interior - Polybutylene used inside your home can be found near the water heater, running across the ceiling in unfinished basements, and coming out of the walls to feed sinks and toilets. Warning: In some regions of the country plumbers used copper "stub outs" where the pipe exits a wall to feed a fixture, so seeing copper here does not mean that you do not have poly. Any gray plastic pipe could be poly. Look at pipes near the water heater. See what kind of pipe runs across the ceiling in an unfinished basement. Check the pipe that comes out of walls to feed sinks and toilets. Many properties have a combination of copper and poly pipes.

为什么说PB管不好？

因为水的PH值可能偏酸或者偏碱，然后很多地方的水里含有oxidants， 会和PB管起一些反应，最后引起管子变脆。 整个水管系统就会慢慢的损坏。

买房子的时候，建议问清楚卖家和listing agent, 水管是不是PB的。 然后可以检查sink 下面，around 热水器， 看有没有灰色，黑色和蓝色的管子。 如果你不sure, ask your home inspector or plumber.

Earthquakes in Carmel Valley and Sorrento Valley

Earthquakes in Carmel Valley and Sorrento Valley：San Diego Fault Lines (Source: USGS.GOV)


Earthquakes in Carmel Valley and Sorrento Valley.

Testimonial: Lago Di Grata

Connie, I and my husband very enjoy working with you. Thanks for being our agent in this difficult market. You were always available and interested in our concerns.We were impressed with your experience, ethics, professionalism, knowledge of Carmel Valley, and marketing research. We will recommed to our friends for buying or selling a house.

WSJ: No Exit in Sight for US as Fannie, Freddie Flail

Fannie and Freddie remain troubled wards of the state, with no blueprints for the future and no clear exit strategy for the government. Nearly a year and a half after the outbreak of the global economic crisis, many of the problems that contributed to it haven't yet been tamed. On Dec. 24, Treasury said there would be no limit to the taxpayer money it was willing to deploy over the next three years to keep the two companies afloat, doing away with the previous limit of $200 billion per company. As mortgage delinquencies rise, Fannie and Freddie are required to set aside more capital to cover anticipated losses. Each quarter, if their revenues are insufficient to meet those financial needs, the Treasury has to kick in more money.

Fannie's CEO Mr. Haldeman stated recently that they were "fortunate" to have such a clear mission—the government's foreclosure-prevention drive. "We're doing what's best for the country," he told them. "We're making decisions on [loan modifications] and other issues, without being guided solely by profitability.

Together with the Federal Housing Administration, they fund 9 out 10 American mortgages.

PIIGS and Sovereign Debt Crisis

我们都知道以中国为首的金砖四国（BRIC), 现在又出来了个新名词，叫猪猪五国：PIGGS - P(ortugal)I(reland)I(taly)G(reece)S(pain)，这五个国家都是负债大国。上面是一个从FT.com转的一个图。
大家看看美国也好不到哪去呀。

x,y 轴分别是 fiscal deficit as % of GDP versus total debt divided by GDP