The most recent S&P Case-Shiller home price index reveals what major metro markets are reporting rising and falling home prices.
5 Cities Where Prices Rose
Seattle: 5.7
Charlotte: 5.6
Portland: 2.8
Atlanta: 0.8
Dallas: 0.5
15 Cities Where Prices Fell
Tampa: -10.1
Detroit: -9.3
San Diego: -8.3
Phoenix: -8.0
Miami: -7.8
Las Vegas: -7.6
Washington, D.C.: -7.2
Los Angeles: -5.7
San Francisco: -4.2
Cleveland: -4.1
Minneapolis: -4.0
New York: -3.8
Boston: -3.6
Chicago: -1.3
Denver: -0.4
Wednesday, October 31, 2007
Tuesday, October 30, 2007
Monday, October 29, 2007
Maybeck的block party
今天在中文报纸上看到了他们的大幅中文广告。 他们最近还是一如既往的很aggressive的推销。
刚巧昨天晚上我们整个block开party 庆贺大家的房子都没事。 我们2条街各有10栋房子。 大家都谈起当初是怎么选中Maybeck的。 和builder一起work是都遇到过什么问题。 和他们聊天非常有收获。 有人说买新房时最好能和已经买了住进去的人聊聊， 听听他们的说法。 我也是这么建议给我要买新房的客户和朋友。 我有一个客户在我带她看过Model又带她去一个已经入住的房子里看之后说， 看样板房有很多的误导，哪些是default哪些是upgrade的option, 但是去看了入住后的房子又和房主聊一聊对她make decision非常有帮助。
刚巧昨天晚上我们整个block开party 庆贺大家的房子都没事。 我们2条街各有10栋房子。 大家都谈起当初是怎么选中Maybeck的。 和builder一起work是都遇到过什么问题。 和他们聊天非常有收获。 有人说买新房时最好能和已经买了住进去的人聊聊， 听听他们的说法。 我也是这么建议给我要买新房的客户和朋友。 我有一个客户在我带她看过Model又带她去一个已经入住的房子里看之后说， 看样板房有很多的误导，哪些是default哪些是upgrade的option, 但是去看了入住后的房子又和房主聊一聊对她make decision非常有帮助。
Saturday, October 27, 2007
做一个中立的agent?
Agent难道就是去和客户到房子那里去开门吗？我听自己的客户说他上一个房子用的一个很大牌的agent, 陪他看房子从头到尾都不说话，看过房子就问一句：要写offer吗？ 那么中立的agent, 虽然也一样花了一些时间陪你看房子，有意思吗？
Friday, October 26, 2007
大火之后的市场 Market after the fire
Boost or Continue slow down?
Here are the comments from people who think the market gonna boost:
1. The fires will boost the local economy by adding construction jobs. Over a 1000 homes need to be rebuilt.
2. The displaced people will need somewhere to live for the next 18 months. The rent market is already tight.A raise in rents could make buying seem a better idea.
3. This coupled with the 80,000 loans currently being restructured and a possible continued cut in the mortgage rates could soften the rate of decline in the market. While prices have been declining, most of us expected it to be at a much more rapid pace. Many of my friends are saying that it is looking like things are not dropping fast enough and feel all the bail out efforts might make this a time to buy. Basically, they feel that the system of survival of the fittest within capitalism has been breeched by all of the bail out efforts. Basically in this country, there are no consequences for foolish decisions.
I agree with 1&2. Those are pretty much the facts. About 3...it's really hard to say. Many homeowners are in financial trouble now. That will certainly impact today's market.
Here are the comments from people who think the market gonna boost:
1. The fires will boost the local economy by adding construction jobs. Over a 1000 homes need to be rebuilt.
2. The displaced people will need somewhere to live for the next 18 months. The rent market is already tight.A raise in rents could make buying seem a better idea.
3. This coupled with the 80,000 loans currently being restructured and a possible continued cut in the mortgage rates could soften the rate of decline in the market. While prices have been declining, most of us expected it to be at a much more rapid pace. Many of my friends are saying that it is looking like things are not dropping fast enough and feel all the bail out efforts might make this a time to buy. Basically, they feel that the system of survival of the fittest within capitalism has been breeched by all of the bail out efforts. Basically in this country, there are no consequences for foolish decisions.
I agree with 1&2. Those are pretty much the facts. About 3...it's really hard to say. Many homeowners are in financial trouble now. That will certainly impact today's market.
节约用水！Water Conservation
今天带客户去看房，旁边一老太太用hose冲她家的草坪，也就罢了。 之后就开始洗她的driveway. 我眼睁睁看着她浪费水还是没有勇气去和她说一下。 为什么有的人节约用水的意识那么差？ 就算是水白来的，也不要浪费，别说现在加州的水多金贵啊。
昨天我发到我们社区的bbs上面的帖子。有很多人跟贴，补发在这里也。 希望有更多的人能自觉的减少用水。
By Connie Zhao:
San Diego imports more than 85% of its water. Every drop is precious even without this fire. I would suggest that everyone in our community try our best to conserve water. I know there are already many people doing so and let's share our tips of water conservation here. What we do in our family is we use a small bucket to collect water when we wash fruits and vegetables.Then dump the water into a big bucket. When its full we use it watering plants in the yard. It may not seem very convenient but you will be amazed that how much water you can save this way. I also found some tips here: http://www.sandiego.gov/water/conservation/tips.shtml
By Gena Barney:
regarding water conservation... i was VERY surprised to see a home owner on 4S Ranch Parkway (just a couple of houses north of Lone Quail on the east side of the street) with his screens off of his windows and washing them down today in the front yard...There has ONLY been talks about water conservation for days and to use water for something so trivial, that could definitely wait. I felt it was very selfish and short-sighted.
By Jessica Berlin:
Hi everyone,The San Diego County Water Authority has challenged everyone in the county to save 20 gallons of water every day. Here's the website: http://www.20gallonchallenge.com/.Please do everything you can to save water.
By Sharon Siu:
Good topic! Here's what we do: 1. Turn off water when brushing your teeth2. Water less minutes if possible.. decrease each station time by 1 minute, and then check in a week to see if grass is as green. If it is, decrease it by another minute until you see a color difference! =) We safed ALOT of water doing so!! We saw a drop in our water bill!
昨天我发到我们社区的bbs上面的帖子。有很多人跟贴，补发在这里也。 希望有更多的人能自觉的减少用水。
By Connie Zhao:
San Diego imports more than 85% of its water. Every drop is precious even without this fire. I would suggest that everyone in our community try our best to conserve water. I know there are already many people doing so and let's share our tips of water conservation here. What we do in our family is we use a small bucket to collect water when we wash fruits and vegetables.Then dump the water into a big bucket. When its full we use it watering plants in the yard. It may not seem very convenient but you will be amazed that how much water you can save this way. I also found some tips here: http://www.sandiego.gov/water/conservation/tips.shtml
By Gena Barney:
regarding water conservation... i was VERY surprised to see a home owner on 4S Ranch Parkway (just a couple of houses north of Lone Quail on the east side of the street) with his screens off of his windows and washing them down today in the front yard...There has ONLY been talks about water conservation for days and to use water for something so trivial, that could definitely wait. I felt it was very selfish and short-sighted.
By Jessica Berlin:
Hi everyone,The San Diego County Water Authority has challenged everyone in the county to save 20 gallons of water every day. Here's the website: http://www.20gallonchallenge.com/.Please do everything you can to save water.
By Sharon Siu:
Good topic! Here's what we do: 1. Turn off water when brushing your teeth2. Water less minutes if possible.. decrease each station time by 1 minute, and then check in a week to see if grass is as green. If it is, decrease it by another minute until you see a color difference! =) We safed ALOT of water doing so!! We saw a drop in our water bill!
Thursday, October 25, 2007
Shelter in place
Here is a fascinating fire protection strategy that may have
contributed significantly to our immediate neighborhood's survival in
the wildfire:
http://www.signonsandiego.com/uniontrib/20071025/news_1n25stay.html
contributed significantly to our immediate neighborhood's survival in
the wildfire:
http://www.signonsandiego.com/uniontrib/20071025/news_1n25stay.html
4S Ranch: County and City Boundaries
All of 4S Ranch developed by Newland Communities is within the county of San Diego.
Within the community of 4S Ranch developed by Newland Communities, we are surrounded on three sides by the city of San Diego; the southern boundary is where Bernardo Center Drive turns into Carmel Valley Road. (Carmel Valley Road is a city road within the city limits.) At least one resident, Karen, began calling the sheriff and our county supervisor Bill Horn's office to try to clear up the confusion yesterday afternoon. Bill Horn's office verified that we are indeed in District 5 of county jurisdiction. In the map below the purple area is the city of San Diego that surrounds us, the green to the north and west is the county of San Diego, District 5. I added the pink line to show the boundaries of 4S Ranch developed by Newland.
Wednesday, October 24, 2007
San Diego Fire
I hope everyone is safe...
I just back home this afternoon. The houses in 4S ranch area are all fine. The sky is clear and air quality is good. It certainly nice to be back at home. We stayed at a friend's home in Ivrine and I really missed San Diego.
经过这次大火，可能很多人包括我自己就更明白什么是生活中最重要的了吧？就买房子而言，一定要把地势放在一个更重要的位置了。具体的分析明天再来写，现在真的很困很困了。晚安～
I just back home this afternoon. The houses in 4S ranch area are all fine. The sky is clear and air quality is good. It certainly nice to be back at home. We stayed at a friend's home in Ivrine and I really missed San Diego.
经过这次大火，可能很多人包括我自己就更明白什么是生活中最重要的了吧？就买房子而言，一定要把地势放在一个更重要的位置了。具体的分析明天再来写，现在真的很困很困了。晚安～
Carmel Valley Mello Roos
CARMEL VALLEY IS A MELLO-ROOS DISTRICT IN CERTAIN DEVELOPMENTS*
THE AMOUNTS BELOW ARE SHOWN ON THE ANNUAL PROPERTY TAX BILL AS CFD #1
SPECIAL TAX FEES MAY INCLUDE THE FOLLOWING:
HOUSING SIZE - SQ. FT. | ANNUAL MAXIMUM SPECIAL TAX |
2,500 and ABOVE | $1,244 |
2,250 to 2,499 | $1,131 |
2,000 to 2,249 | $1,018 |
1,750 to 1,999 | $905 |
1,500 to 1,749 | $791 |
1,250 to 1,499 | $678 |
1,000 to 1,249 | $565 |
0 to 999 | $452 |
Monday, October 22, 2007
Arabella
我有2家客户他们同时喜欢上了Arabella. 地理位置没话讲。 学区也非常好(San Dieguito Union High School and Solana Beach School Districts )。05年的时候当选为Sustainable Community of the Year。
Arabella 的房子基本上都是有Energy Star® 可以省电省气。很多的Living Smart features are automatically included an energy-saving 50-gallon water heater, a GE Energy® photovoltaic roof panel system on all ‘California Ranch’ exteriors, fluorescent lights, engineered high-performance lumber and spectrally selective glass for increased energy efficiency and reduced fabric fade.
我觉得Pardee homes挺有眼光的。 很多年以前就看中了Carmel Valley这片地皮， hold了这么这么地久。 然后盖房很Green. 很适合能afford这个价位的人群的需要（比较environmental sensitivity and energy-conscious 的人群）。
Arabella从一开始就是从Mid70万起价的。 3个plan range from 2,007 to 2,453 square feet。
Pardee建整个的Pacific Highlands Ranch master-planned community, 现在已经建好了活动中心（recreation center）， 我朋友的妈妈很喜欢， 每天去里面运动游泳:)。 另外还有今后要建的multi-use trail system for hiking and biking, an intranet and a Village Center with a complement of everyday shopping conveniences.
总之这个new construction是我比较推荐的。 不过价格是从05年到现在一路在上涨。 现在PLAN3的价格是86万as of 10-22-07。 有兴趣想了解更多情况请和我联系。 买new construction我算是很有经验的了。一定可以给你提供很多宝贵的意见。
Arabella 的房子基本上都是有Energy Star® 可以省电省气。很多的Living Smart features are automatically included an energy-saving 50-gallon water heater, a GE Energy® photovoltaic roof panel system on all ‘California Ranch’ exteriors, fluorescent lights, engineered high-performance lumber and spectrally selective glass for increased energy efficiency and reduced fabric fade.
我觉得Pardee homes挺有眼光的。 很多年以前就看中了Carmel Valley这片地皮， hold了这么这么地久。 然后盖房很Green. 很适合能afford这个价位的人群的需要（比较environmental sensitivity and energy-conscious 的人群）。
Arabella从一开始就是从Mid70万起价的。 3个plan range from 2,007 to 2,453 square feet。
Pardee建整个的Pacific Highlands Ranch master-planned community, 现在已经建好了活动中心（recreation center）， 我朋友的妈妈很喜欢， 每天去里面运动游泳:)。 另外还有今后要建的multi-use trail system for hiking and biking, an intranet and a Village Center with a complement of everyday shopping conveniences.
总之这个new construction是我比较推荐的。 不过价格是从05年到现在一路在上涨。 现在PLAN3的价格是86万as of 10-22-07。 有兴趣想了解更多情况请和我联系。 买new construction我算是很有经验的了。一定可以给你提供很多宝贵的意见。
Thursday, September 27, 2007
Making the Grade
Elementary Schools:
Carlsbad Unified
Number of schools: 9 elementary, 3 middle, 1 high school, 1 alternative, 1 small
Top schools: Kelly Elementary, enrollment 662, API base score 932;
Pacific Rim, enrollment 839, API base score 908
The district’s student enrollment for September is projected to be 10,601——a 0.5 percent increase over last year. Poinsettia Elementary, the new $16.2 million campus, will open this fall and relieve overcrowding at Kelly and Aviara Oaks elementary schools. In east Carlsbad, Poinsettia Elementary will serve students in kindergarten through fifth grade from Bressi Ranch, La Costa Greens, Cantamar and surrounding communities.
Del Mar Union
Number of schools: 8 elementary
Top schools: Ashley Falls Elementary (grades K-6), enrollment 551, API base score 956;
Sage Canyon Elementary School (grades K-6), enrollment 769, API base score 965;
Carmel Del Mar Elementary (grades K-6), enrollment 491, API base score 913;
Del Mar Heights Elementary (grades K-6), enrollment 462, API base score 946;
Sycamore Ridge (grades K-6), enrollment 380, API base score 921;
Torrey Hills (grades K-6), enrollment 784, API base score 950
The Del Mar Union School District, serving Del Mar, Del Mar Heights and part of Carmel Valley, has grown from two to seven schools since 1992. About 3,800 students are served. The new Ocean Air School is scheduled for completion in the fall. Del Mar Union has the highest district API base score in the county (939).
Encinitas Union
Number of schools: 9 elementary
Top schools: El Camino Creek Elementary (grades K-6), enrollment 911, API base score 939;
Flora Vista Elementary (grades K-6), enrollment 519, API base score 937;
La Costa Heights Elementary (grades K-6), enrollment 617, API base score 905;
Mission Estancia Elementary (grades K-6), enrollment 570, API base score 924;
Olivenhain Pioneer Elementary (grades K-6), enrollment 722, API base score 937
One of five elementary school districts that feeds into the San Dieguito Union High School District, Encinitas Union serves 5,647 students in Carlsbad, La Costa and Encinitas neighborhoods. All of its schools have been recognized as California Distinguished Schools, and La Costa Heights School and Olivenhain Pioneer have been recognized as National Blue Ribbon Schools. Mission Estancia was recently selected to apply for one of the 2007 National Blue Ribbon Schools recognitions.
Poway Unified
Number of schools: 23 elementary, 6 middle, 4 high schools, 1 continuation
Top schools: Adobe Bluffs Elementary, enrollment 711, API base score 911;
Chaparral Elementary, enrollment 802, API base score 923;
Creekside Elementary, enrollment 785, API base score 959;
Deer Canyon Elementary, enrollment 580, API base score 945;
Los Peñasquitos Elementary, enrollment 574, API base score 905;
Painted Rock Elementary, enrollment 607, API base score 920;
Park Village Elementary, enrollment 805; API base score 938;
Rolling Hills Elementary, enrollment 390; API base score 913;
Shoal Creek Elementary, enrollment 653, API base score 903;
Turtleback Elementary, enrollment 549, API base score 904
The third-largest school district in the county, Poway Unified serves more than 32,000 students. All-time highs in API and AYP were achieved in 2006. Monterey Ridge Elementary, the newest school in the district, opened in August 2006. Two more elementary schools and a high school are planned to open by 2010.
Rancho Santa Fe
Number of schools: 1 elementary, 1 middle
Top school: R. Roger Rowe School (grades K-6), enrollment 621, API base score 944
Rancho Santa Fe School District began with a single schoolhouse in 1905 and today educates 831 students, kindergarten through eighth grade. Rowe Middle School is a top performer and included in our middle school section. The district recently posted a parent survey that addressed overcrowding and the need for another school.
San Diego Unified Eugene Brucker Education Center,
Number of schools: 114 elementary, 23 middle, 27 high schools, 34 charter, 18 alternative
Top schools: Benchley Weinberger Elementary, enrollment 550, API base score 906;
Bird Rock Elementary, enrollment 473, API base score 941;
Curie Elementary, enrollment 591, API base score 921;
Dingeman Elementary, enrollment 842, API base score 932;
Hearst Elementary, enrollment 410, API base 920;
Jerabek Elementary (year-round), enrollment 832, API base score 921;
La Jolla Elementary, enrollment 522, API base score 912;
Ellen Browning Scripps Elementary, enrollment 539, API base score 924;
Sunset View Elementary (grades K-4), enrollment 398, API base score 901;
Torrey Pines Elementary, enrollment 395, API base score 919
The second-largest district in California and eighth-largest urban district in the United States, San Diego Unified School District serves 132,482 students. The diverse student population represents more than 15 ethnic groups and more than 60 languages and dialects. Laura Rodriguez Elementary School, Florence Griffith Joyner Elementary and Thurgood Marshall Middle School will open this year. Lincoln High and Burbank Elementary were recently rebuilt and will reopen this month.
Solana Beach
Number of schools: 6 elementary
Top schools: Carmel Creek (grades K-4), enrollment 673, API base score 954;
Solana Highlands (grades K-4), enrollment 730, API base score 948;
Solana Pacific (grades 5 and 6), enrollment 472, API base score 952;
Solana Santa Fe Elementary (grades K-6), enrollment 457, API base score 939
The district currently serves about 2,700 students at six elementary schools. Pacific Highlands Ranch, a seventh school, is in the planning stages. All of the eligible schools are California Distinguished Schools and exceed the 800 API achievement target.
Middle Schools
Poway Unified
Mesa Verde Middle School (grades 6-8), enrollment 1,390, API base score 901
Rancho Santa Fe
R. Roger Rowe Middle School (grades 7 and 8), enrollment 171, API base score 921
Carlsbad Unified
Number of schools: 9 elementary, 3 middle, 1 high school, 1 alternative, 1 small
Top schools: Kelly Elementary, enrollment 662, API base score 932;
Pacific Rim, enrollment 839, API base score 908
The district’s student enrollment for September is projected to be 10,601——a 0.5 percent increase over last year. Poinsettia Elementary, the new $16.2 million campus, will open this fall and relieve overcrowding at Kelly and Aviara Oaks elementary schools. In east Carlsbad, Poinsettia Elementary will serve students in kindergarten through fifth grade from Bressi Ranch, La Costa Greens, Cantamar and surrounding communities.
Del Mar Union
Number of schools: 8 elementary
Top schools: Ashley Falls Elementary (grades K-6), enrollment 551, API base score 956;
Sage Canyon Elementary School (grades K-6), enrollment 769, API base score 965;
Carmel Del Mar Elementary (grades K-6), enrollment 491, API base score 913;
Del Mar Heights Elementary (grades K-6), enrollment 462, API base score 946;
Sycamore Ridge (grades K-6), enrollment 380, API base score 921;
Torrey Hills (grades K-6), enrollment 784, API base score 950
The Del Mar Union School District, serving Del Mar, Del Mar Heights and part of Carmel Valley, has grown from two to seven schools since 1992. About 3,800 students are served. The new Ocean Air School is scheduled for completion in the fall. Del Mar Union has the highest district API base score in the county (939).
Encinitas Union
Number of schools: 9 elementary
Top schools: El Camino Creek Elementary (grades K-6), enrollment 911, API base score 939;
Flora Vista Elementary (grades K-6), enrollment 519, API base score 937;
La Costa Heights Elementary (grades K-6), enrollment 617, API base score 905;
Mission Estancia Elementary (grades K-6), enrollment 570, API base score 924;
Olivenhain Pioneer Elementary (grades K-6), enrollment 722, API base score 937
One of five elementary school districts that feeds into the San Dieguito Union High School District, Encinitas Union serves 5,647 students in Carlsbad, La Costa and Encinitas neighborhoods. All of its schools have been recognized as California Distinguished Schools, and La Costa Heights School and Olivenhain Pioneer have been recognized as National Blue Ribbon Schools. Mission Estancia was recently selected to apply for one of the 2007 National Blue Ribbon Schools recognitions.
Poway Unified
Number of schools: 23 elementary, 6 middle, 4 high schools, 1 continuation
Top schools: Adobe Bluffs Elementary, enrollment 711, API base score 911;
Chaparral Elementary, enrollment 802, API base score 923;
Creekside Elementary, enrollment 785, API base score 959;
Deer Canyon Elementary, enrollment 580, API base score 945;
Los Peñasquitos Elementary, enrollment 574, API base score 905;
Painted Rock Elementary, enrollment 607, API base score 920;
Park Village Elementary, enrollment 805; API base score 938;
Rolling Hills Elementary, enrollment 390; API base score 913;
Shoal Creek Elementary, enrollment 653, API base score 903;
Turtleback Elementary, enrollment 549, API base score 904
The third-largest school district in the county, Poway Unified serves more than 32,000 students. All-time highs in API and AYP were achieved in 2006. Monterey Ridge Elementary, the newest school in the district, opened in August 2006. Two more elementary schools and a high school are planned to open by 2010.
Rancho Santa Fe
Number of schools: 1 elementary, 1 middle
Top school: R. Roger Rowe School (grades K-6), enrollment 621, API base score 944
Rancho Santa Fe School District began with a single schoolhouse in 1905 and today educates 831 students, kindergarten through eighth grade. Rowe Middle School is a top performer and included in our middle school section. The district recently posted a parent survey that addressed overcrowding and the need for another school.
San Diego Unified Eugene Brucker Education Center,
Number of schools: 114 elementary, 23 middle, 27 high schools, 34 charter, 18 alternative
Top schools: Benchley Weinberger Elementary, enrollment 550, API base score 906;
Bird Rock Elementary, enrollment 473, API base score 941;
Curie Elementary, enrollment 591, API base score 921;
Dingeman Elementary, enrollment 842, API base score 932;
Hearst Elementary, enrollment 410, API base 920;
Jerabek Elementary (year-round), enrollment 832, API base score 921;
La Jolla Elementary, enrollment 522, API base score 912;
Ellen Browning Scripps Elementary, enrollment 539, API base score 924;
Sunset View Elementary (grades K-4), enrollment 398, API base score 901;
Torrey Pines Elementary, enrollment 395, API base score 919
The second-largest district in California and eighth-largest urban district in the United States, San Diego Unified School District serves 132,482 students. The diverse student population represents more than 15 ethnic groups and more than 60 languages and dialects. Laura Rodriguez Elementary School, Florence Griffith Joyner Elementary and Thurgood Marshall Middle School will open this year. Lincoln High and Burbank Elementary were recently rebuilt and will reopen this month.
Solana Beach
Number of schools: 6 elementary
Top schools: Carmel Creek (grades K-4), enrollment 673, API base score 954;
Solana Highlands (grades K-4), enrollment 730, API base score 948;
Solana Pacific (grades 5 and 6), enrollment 472, API base score 952;
Solana Santa Fe Elementary (grades K-6), enrollment 457, API base score 939
The district currently serves about 2,700 students at six elementary schools. Pacific Highlands Ranch, a seventh school, is in the planning stages. All of the eligible schools are California Distinguished Schools and exceed the 800 API achievement target.
Middle Schools
Poway Unified
Mesa Verde Middle School (grades 6-8), enrollment 1,390, API base score 901
Rancho Santa Fe
R. Roger Rowe Middle School (grades 7 and 8), enrollment 171, API base score 921
San Dieguito Union High
710 Encinitas Boulevard, Encinitas
760-753-6491
Superintendent: Peggy Lynch, Ed.D.
Number of schools: 4 middle, 3 high schools, 1 alternative, 1 continuation, 1 small
Top schools:
710 Encinitas Boulevard, Encinitas
760-753-6491
Superintendent: Peggy Lynch, Ed.D.
Number of schools: 4 middle, 3 high schools, 1 alternative, 1 continuation, 1 small
Top schools:
Carmel Valley Middle (grades 7 and 8), enrollment 1,352, API base score 939;
Earl Warren Middle (grades 7 and 8), enrollment 570, API base score 905
The San Dieguito Union High School District enrolls about 12,000 students in Encinitas, Solana Beach and Del Mar and also serves unincorporated neighboring areas such as La Costa, Olivenhain, Rancho Santa Fe, Fairbanks Ranch and Carmel Valley. Students from those districts matriculate through the district’s middle and high schools, with the exception of those from the Rancho Santa Fe School District, who begin as freshmen.
Earl Warren Middle (grades 7 and 8), enrollment 570, API base score 905
The San Dieguito Union High School District enrolls about 12,000 students in Encinitas, Solana Beach and Del Mar and also serves unincorporated neighboring areas such as La Costa, Olivenhain, Rancho Santa Fe, Fairbanks Ranch and Carmel Valley. Students from those districts matriculate through the district’s middle and high schools, with the exception of those from the Rancho Santa Fe School District, who begin as freshmen.
Monday, September 17, 2007
Short sale from seller's side
Short sale is a method of disposing of your home without having the lender foreclose on you. Is an arrangement with your lender whereby they will allow you to sell the property for less than the amount of the current mortgage.
Let's take this example: you bought the house last year for $500,000, and foolishly took advantage of the mortgage broker's sales pitch and obtained a 100 percent loan. Now, the house will probably only sell for $475,000, and you lost your job and cannot afford to continue with the monthly mortgage payments.
Why would a lender permit this? First, you should understand that not all lenders will allow a short sale. Their decision depends on a number of factors: where is your house? how much loss will the lender suffer? What is the possibility that a speculator/investor will buy at a foreclosure sale?
Lenders have their own requirements, so I can only provide general information; The sellers will have to consult the specific lender to determine what they need in order to move forward with the short sale process.
The first step is to contact your financial and legal advisors. Do not contact the lender until you fully understand the potential risks involved. Under Federal law, when a debt is forgiven, it can be treated as ordinary income on which tax must be paid. Thus, if your lender allows you to sell the property to $475, less a 2 percent commission, you will pay off your $500,000 mortgage and have a deficit of almost $35,000. According to many tax professionals, you will have to pay income tax on this amount even though you did not actually receive the money.
Furthermore, you want to make absolutely sure that even should the lender approve the short sale, you will not be obligated to make up this difference, which is called a deficiency. Unfortunately, most lenders will not put their agreement in writing, so your legal advisors will have to satisfy themselves -- and you -- on this matter.
In fact, many lenders have been known to use this "forgiveness of debt" issue as a way of dissuading their borrowers from pursuing the short sale approach.
After you are satisfied that you understand the concept and are prepared to move forward, you should contact your lender. Go up the corporate ladder as high as you can and talk with the manager of the short sale department. Typically, the lender has a "loss remediation" department that handles these matters.
If you have authorized your attorney or your real estate agent to act on your behalf, the lender will need a letter of authorization from you. The Privacy Laws enacted after 9-11 prohibit lenders from discussing personal and financial information with a stranger without such written authorization. This letter will include your name, property address and loan number.
You (or your agent) should then prepare a comprehensive letter explaining why you are requesting the short sale. Emphasize -- but not as a "sob story" -- your hardship. It would also help if you include a market analysis which will show what houses in your area are currently selling for. And finally, spell out your request in detail: what price are you asking the lender to approve, what percent commission will the real estate agent be allowed to accept, and what closing costs will be associated with the settlement. Keep in mind that in many jurisdictions, there is a recordation and transfer tax which is typically split between buyer and seller.
Your proposal should be as specific as possible. You don't want to learn at settlement that you still have to come up with a lot of cash, because your lender did not authorize certain out-of-pocket expenses.
You should also request from your lender the amount of your outstanding balance. The lender has a legal obligation to provide this to you on request, and the burden is on the lender to provide an accurate accounting. Review this carefully to make sure that there are no charges which have been erroneously added. If you have missed some payments, you will be assessed late fees. When you present your proposal to the lender, try to get these charges deleted from the amount of the outstanding mortgage balance.
Your proposal should also include your financial situation. Keep in mind that many loans in the past few years were what are called "no-doc" -- in other words, the lender made the decision to fund your loan based on the value of the property and not on your financial status. In your case, since you lost your job, include proof with your letter.
The more documentation you can provide the lender, the faster the decision will be. However, currently lenders are swamped with these requests, since you are not the only one facing a possible foreclosure.
Thus, the earlier you can start the process, the better chance you have of getting it approved.
But the lender's approval to proceed with a short sale does not end the process. When you or your real estate agent find a prospective purchaser, the contract must state that it is contingent on lender's approval. You have to send the contract to the lender, and it would help if you would include an accounting of all expenses which you will have to pay at settlement, and a final number that the lender will receive when settlement takes place.
In fact, if you can have a HUD-1 settlement statement prepared, this would be helpful and would expedite the process. Your lender will then review the documentation, and may reject certain expenses. For example, if the contract provides that you will give your buyer XX dollars for "closing costs" -- or that you will pay some items which are traditionally the buyer's obligation (such as title search and survey) -- the lender may not allow such payments.
You want to go into the settlement knowing exactly all of the terms and conditions on which your lender will accept the short sale, including whether or not you will have to come up with money at the settlement table.
You are in financial trouble. If you have already missed some payments, your lender may already have reported this information to the credit reporting companies. You should try to convince the lender not to report any more delinquencies, but unfortunately, that's in your lender's sole discretion.
The short sale process works, but is complicated, time-consuming and uncertain. If you can start now -- before you are actually in default -- you will be ahead of the game.
Let's take this example: you bought the house last year for $500,000, and foolishly took advantage of the mortgage broker's sales pitch and obtained a 100 percent loan. Now, the house will probably only sell for $475,000, and you lost your job and cannot afford to continue with the monthly mortgage payments.
Why would a lender permit this? First, you should understand that not all lenders will allow a short sale. Their decision depends on a number of factors: where is your house? how much loss will the lender suffer? What is the possibility that a speculator/investor will buy at a foreclosure sale?
Lenders have their own requirements, so I can only provide general information; The sellers will have to consult the specific lender to determine what they need in order to move forward with the short sale process.
The first step is to contact your financial and legal advisors. Do not contact the lender until you fully understand the potential risks involved. Under Federal law, when a debt is forgiven, it can be treated as ordinary income on which tax must be paid. Thus, if your lender allows you to sell the property to $475, less a 2 percent commission, you will pay off your $500,000 mortgage and have a deficit of almost $35,000. According to many tax professionals, you will have to pay income tax on this amount even though you did not actually receive the money.
Furthermore, you want to make absolutely sure that even should the lender approve the short sale, you will not be obligated to make up this difference, which is called a deficiency. Unfortunately, most lenders will not put their agreement in writing, so your legal advisors will have to satisfy themselves -- and you -- on this matter.
In fact, many lenders have been known to use this "forgiveness of debt" issue as a way of dissuading their borrowers from pursuing the short sale approach.
After you are satisfied that you understand the concept and are prepared to move forward, you should contact your lender. Go up the corporate ladder as high as you can and talk with the manager of the short sale department. Typically, the lender has a "loss remediation" department that handles these matters.
If you have authorized your attorney or your real estate agent to act on your behalf, the lender will need a letter of authorization from you. The Privacy Laws enacted after 9-11 prohibit lenders from discussing personal and financial information with a stranger without such written authorization. This letter will include your name, property address and loan number.
You (or your agent) should then prepare a comprehensive letter explaining why you are requesting the short sale. Emphasize -- but not as a "sob story" -- your hardship. It would also help if you include a market analysis which will show what houses in your area are currently selling for. And finally, spell out your request in detail: what price are you asking the lender to approve, what percent commission will the real estate agent be allowed to accept, and what closing costs will be associated with the settlement. Keep in mind that in many jurisdictions, there is a recordation and transfer tax which is typically split between buyer and seller.
Your proposal should be as specific as possible. You don't want to learn at settlement that you still have to come up with a lot of cash, because your lender did not authorize certain out-of-pocket expenses.
You should also request from your lender the amount of your outstanding balance. The lender has a legal obligation to provide this to you on request, and the burden is on the lender to provide an accurate accounting. Review this carefully to make sure that there are no charges which have been erroneously added. If you have missed some payments, you will be assessed late fees. When you present your proposal to the lender, try to get these charges deleted from the amount of the outstanding mortgage balance.
Your proposal should also include your financial situation. Keep in mind that many loans in the past few years were what are called "no-doc" -- in other words, the lender made the decision to fund your loan based on the value of the property and not on your financial status. In your case, since you lost your job, include proof with your letter.
The more documentation you can provide the lender, the faster the decision will be. However, currently lenders are swamped with these requests, since you are not the only one facing a possible foreclosure.
Thus, the earlier you can start the process, the better chance you have of getting it approved.
But the lender's approval to proceed with a short sale does not end the process. When you or your real estate agent find a prospective purchaser, the contract must state that it is contingent on lender's approval. You have to send the contract to the lender, and it would help if you would include an accounting of all expenses which you will have to pay at settlement, and a final number that the lender will receive when settlement takes place.
In fact, if you can have a HUD-1 settlement statement prepared, this would be helpful and would expedite the process. Your lender will then review the documentation, and may reject certain expenses. For example, if the contract provides that you will give your buyer XX dollars for "closing costs" -- or that you will pay some items which are traditionally the buyer's obligation (such as title search and survey) -- the lender may not allow such payments.
You want to go into the settlement knowing exactly all of the terms and conditions on which your lender will accept the short sale, including whether or not you will have to come up with money at the settlement table.
You are in financial trouble. If you have already missed some payments, your lender may already have reported this information to the credit reporting companies. You should try to convince the lender not to report any more delinquencies, but unfortunately, that's in your lender's sole discretion.
The short sale process works, but is complicated, time-consuming and uncertain. If you can start now -- before you are actually in default -- you will be ahead of the game.
Friday, August 31, 2007
Wednesday, August 29, 2007
和房子无关
今天看了NHK拍的《激流中国。 不要先急着说小日本拍的东西一定丑化中国的，毕竟是记录了中国媒体不能展示的东西，相当值得一看的。 （这个documentary series 其实是NHK里面一个中国人拍的。but he doesn't get credit） 这个片子是今年拍的，国内早就传遍了。 在美国反而什么都后知后觉。很多人看这个纪录片都是含泪看的。我也不例外。 大概半年前还看过一个BBC拍的《China》也是一样很感动也很难受。
辛酸。 当我们都在美国为生活奔波的时候， 可能你根本不可能为你的国家做任何事情。 但至少你可以做的， 是关注。
辛酸。 当我们都在美国为生活奔波的时候， 可能你根本不可能为你的国家做任何事情。 但至少你可以做的， 是关注。
Tuesday, August 28, 2007
Second Quarter Home Prices Fall, More Expected in Coming Months
Second Quarter Home prices fall record 3.2% nationally, San Diego: -7.3%
WASHINGTON (MarketWatch) -- U.S. home prices fell at a faster rate in the second quarter, down 3.2% compared with the same period in 2006, Standard & Poor's reported Tuesday.
It marked the largest year-over-year decline ever recorded in the 20-year history of the Case-Shiller home price index. A year ago, home prices were rising at a 7.5% pace nationally.
In an interview with MarketWatch, Shiller noted that the figures were for activity ending in June -- well before the more recent blowup in the mortgage markets.
"We are fast approaching the rate of price decline seen at the end of the 1990-91 recession, and the odds strongly favor blowing past this mark in coming months," wrote Joshua Shapiro, chief economist for MFR Inc. "With supply overhang growing and mortgage financing tougher to obtain, home prices are going to soften considerably further in the quarters ahead."
Cities covered by the Case-Shiller index, ranked from worst to best:
Detroit, down 11%: Tampa, Fla., down 7.7%; San Diego, down 7.3%; Washington, down 7%; Phoenix, down 6.6%; Las Vegas, down 5.1%; Miami, down 4.8%; Los Angeles, down 4.1%; San Francisco, down 4%; Minneapolis, down 3.8%; Boston, down 3.7%; Cleveland, down 3.6%; New York, down 3.4%; Denver, down 1%; Chicago, down 0.7%; Atlanta, up 1.6%; Dallas, up 1.6%; Portland, Ore., up 4.5%; Charlotte, N.C., up 6.8%; and Seattle, up 7.9%.
WASHINGTON (MarketWatch) -- U.S. home prices fell at a faster rate in the second quarter, down 3.2% compared with the same period in 2006, Standard & Poor's reported Tuesday.
It marked the largest year-over-year decline ever recorded in the 20-year history of the Case-Shiller home price index. A year ago, home prices were rising at a 7.5% pace nationally.
In an interview with MarketWatch, Shiller noted that the figures were for activity ending in June -- well before the more recent blowup in the mortgage markets.
"We are fast approaching the rate of price decline seen at the end of the 1990-91 recession, and the odds strongly favor blowing past this mark in coming months," wrote Joshua Shapiro, chief economist for MFR Inc. "With supply overhang growing and mortgage financing tougher to obtain, home prices are going to soften considerably further in the quarters ahead."
Cities covered by the Case-Shiller index, ranked from worst to best:
Detroit, down 11%: Tampa, Fla., down 7.7%; San Diego, down 7.3%; Washington, down 7%; Phoenix, down 6.6%; Las Vegas, down 5.1%; Miami, down 4.8%; Los Angeles, down 4.1%; San Francisco, down 4%; Minneapolis, down 3.8%; Boston, down 3.7%; Cleveland, down 3.6%; New York, down 3.4%; Denver, down 1%; Chicago, down 0.7%; Atlanta, up 1.6%; Dallas, up 1.6%; Portland, Ore., up 4.5%; Charlotte, N.C., up 6.8%; and Seattle, up 7.9%.
美国次贷危机，夏天小菜一碟 (zhuan)
Analysts are giving all kinds of advice/comments toward the current situation.
Here is a good article which is really intersting. My thoughts ~ all these conclusions got one assumption: job market remains still.
此次美国的次贷危机，除了大陆这个金融怪胎，全世界的股市都在跟进，牵连了世界主要的资本国家，更有专家大声警告小心 70-80-90 年代的全球金融大危机要降临了！可是我为什么说它们是夏天的清凉小菜一碟呢？ 危机，就必有大损失，没有大失，何来危机！
1. 次贷在美国的房贷市场中，从 1995 年 650 亿的 9% 佔有率，到去年的 6000 亿的 20% 佔有率，换句话说，三万亿的房贷中，只有五分之一是次贷贡献的。美国 GDP 去年在 13 万亿左右。
2. 这 6000 亿的次贷，以平均 20 万一套房价，应该大概有 300 万户，但实际统计在 200 万户，也就是只牵扯到 4000 亿资金。而且美国的实际房产，目前状况只是不涨，小跌一点点而已，毕竟房产尚在，不象股票大危机出现的现象。
3. 4000 亿的概念（ 6000 亿也罢），对美国几十万亿的金融市场来说，可不是小菜一碟吗！历来的全球金融风暴，不都是以几万亿，十几万亿的损失来收场的吗！
4. 如果这 4000 亿的次贷全部成了呆帐，也不会象股灾一样化为虚有，而是都变成了实实在在的房产！美国的房产周期，应在 10 年以上。房产涨幅超过通货膨胀率，还可以出租。 4000 亿的次贷，绝对一分钱也賠不了！有趣的是，这 4000 亿的次贷，可能有一半以上被外国资本所购！ 这就是我为什么说，次贷危机对美国是小菜一碟呢。在金融游戏里，美国也是无人能比的老大哥。
5. 活钱变成了不动产的房产，即使不赔钱，也等于掐住了金融界的七寸！没有活钱去转，金融界不死才怪呢。所以美国联储也祭出了双刃上方宝箭：降息和注资，不象以往都是单枪匹马去救驾。美国不到 1000 亿的注资（到 8/21 为 975 亿），也告诉了百姓，其他 3000 亿的次贷，都已转移到外资手中，全靠几年来，华尔街的 信贷评级机构（罪魁祸首），给这些次贷公司冠扣上了 a 级， aa 级的乌纱帽！这不，世界上的主要金融大国，不都在积极赶印钞票吗！ 6. 降息是让优质的房贷更好更快地进行，是恢复美国房市的强心剂。联储手中的余地还大着呢，这不也在向几个月前的中国学习，将贷款和存贷利率反向拉开吗。房贷低，有利房产复苏；存率其它商业贷率高，有利抑止通货膨胀。美国又是首屈一指的移民大国，一两百万件的次贷房产，开开后门，光大陆的款爷还不够分的呢，又能降低贸易赤字，还是一把双刃箭。 7. 这 200 万“次贷”的百姓，有多少是属于投资性质（ ARM ）和挺不过难关的？本来他们从投资一开始，就过着山顶洞人的生活，停止付款后，无债一身轻，生活和消费都会成倍好起来，只能增加消费量。破产对他们无济于事，投资房子被收走，也不等于失业，白交了几年学费。至于大众的消费信心和指数，政府能象我这样，公开损失真相，罚办几个信贷评级机构的头头和改组一下，再给那些资金被冻结 的外资财团（外国政府已经向他们注资了）一点优惠政策，就全搞定了。 8. 道琼指数，以往大部分年景，是夏季比圣诞节要低 10% 左右，是那些佔主流的保守资金，赚钱的法宝。可是今年夏初就是降不下来，年底圣诞节还能冲到哪里去？次贷毛病去年就显出来了，三月份，涉案公司就损失惨重，对市场没有太大的影响。 4000 亿变成不动产，不算什么危机！ 于是乎，华尔街一阵紧锣密鼓，拿次贷说事，道琼就跌了 10% ，所以我说是“夏天的”清凉小菜一碟！不过这盘小菜也太贵了些。华尔街的次贷游戏，快该收场了，秋天不是又要来了吗。秋至满山多秀色，夏来无处不炎酷！
Here is a good article which is really intersting. My thoughts ~ all these conclusions got one assumption: job market remains still.
此次美国的次贷危机，除了大陆这个金融怪胎，全世界的股市都在跟进，牵连了世界主要的资本国家，更有专家大声警告小心 70-80-90 年代的全球金融大危机要降临了！可是我为什么说它们是夏天的清凉小菜一碟呢？ 危机，就必有大损失，没有大失，何来危机！
1. 次贷在美国的房贷市场中，从 1995 年 650 亿的 9% 佔有率，到去年的 6000 亿的 20% 佔有率，换句话说，三万亿的房贷中，只有五分之一是次贷贡献的。美国 GDP 去年在 13 万亿左右。
2. 这 6000 亿的次贷，以平均 20 万一套房价，应该大概有 300 万户，但实际统计在 200 万户，也就是只牵扯到 4000 亿资金。而且美国的实际房产，目前状况只是不涨，小跌一点点而已，毕竟房产尚在，不象股票大危机出现的现象。
3. 4000 亿的概念（ 6000 亿也罢），对美国几十万亿的金融市场来说，可不是小菜一碟吗！历来的全球金融风暴，不都是以几万亿，十几万亿的损失来收场的吗！
4. 如果这 4000 亿的次贷全部成了呆帐，也不会象股灾一样化为虚有，而是都变成了实实在在的房产！美国的房产周期，应在 10 年以上。房产涨幅超过通货膨胀率，还可以出租。 4000 亿的次贷，绝对一分钱也賠不了！有趣的是，这 4000 亿的次贷，可能有一半以上被外国资本所购！ 这就是我为什么说，次贷危机对美国是小菜一碟呢。在金融游戏里，美国也是无人能比的老大哥。
5. 活钱变成了不动产的房产，即使不赔钱，也等于掐住了金融界的七寸！没有活钱去转，金融界不死才怪呢。所以美国联储也祭出了双刃上方宝箭：降息和注资，不象以往都是单枪匹马去救驾。美国不到 1000 亿的注资（到 8/21 为 975 亿），也告诉了百姓，其他 3000 亿的次贷，都已转移到外资手中，全靠几年来，华尔街的 信贷评级机构（罪魁祸首），给这些次贷公司冠扣上了 a 级， aa 级的乌纱帽！这不，世界上的主要金融大国，不都在积极赶印钞票吗！ 6. 降息是让优质的房贷更好更快地进行，是恢复美国房市的强心剂。联储手中的余地还大着呢，这不也在向几个月前的中国学习，将贷款和存贷利率反向拉开吗。房贷低，有利房产复苏；存率其它商业贷率高，有利抑止通货膨胀。美国又是首屈一指的移民大国，一两百万件的次贷房产，开开后门，光大陆的款爷还不够分的呢，又能降低贸易赤字，还是一把双刃箭。 7. 这 200 万“次贷”的百姓，有多少是属于投资性质（ ARM ）和挺不过难关的？本来他们从投资一开始，就过着山顶洞人的生活，停止付款后，无债一身轻，生活和消费都会成倍好起来，只能增加消费量。破产对他们无济于事，投资房子被收走，也不等于失业，白交了几年学费。至于大众的消费信心和指数，政府能象我这样，公开损失真相，罚办几个信贷评级机构的头头和改组一下，再给那些资金被冻结 的外资财团（外国政府已经向他们注资了）一点优惠政策，就全搞定了。 8. 道琼指数，以往大部分年景，是夏季比圣诞节要低 10% 左右，是那些佔主流的保守资金，赚钱的法宝。可是今年夏初就是降不下来，年底圣诞节还能冲到哪里去？次贷毛病去年就显出来了，三月份，涉案公司就损失惨重，对市场没有太大的影响。 4000 亿变成不动产，不算什么危机！ 于是乎，华尔街一阵紧锣密鼓，拿次贷说事，道琼就跌了 10% ，所以我说是“夏天的”清凉小菜一碟！不过这盘小菜也太贵了些。华尔街的次贷游戏，快该收场了，秋天不是又要来了吗。秋至满山多秀色，夏来无处不炎酷！
Sunday, August 26, 2007
Farmers' Markets?
TUESDAY
Coronado - 2:30 to 6:00 p.m.
Old Ferry Landing at First St and B Ave
Escondido - 2:30 to 6:00 p.m. (4:00 to 7:00 p.m. in Summer)
Grand Ave between Juniper and Kalmia St
Website: http://www.downtownescondido.com/events/farmers_market
UCSD/La Jolla - 10:00 a.m. to 2:00 p.m. (September thru June)
UCSD Price Center near the bookstore at Lyman Lane and Library Walk
WEDNESDAY
Carlsbad - 1:00 to 5:00 p.m.
Roosevelt St between Grand Ave and Carlsbad Village Dr
Website: www.shopcarlsbadvillage.org/events/farmersmarket.html
Ocean Beach - 4:00 to 7:00 p.m. (4:00 to 8:00 p.m. in Summer)
4900 block of Newport Ave between Cable St and Bacon St
Temecula - 9:00 a.m. to 1:00 p.m.
Promenade Mall accross from Edwards Theatres
Website: http://www.temeculainformation.com/farmersmarket/Farmers_Market.htm
THURSDAY
Chula Vista - 3:00 to 6:00 p.m. (3:00 to 7:00 p.m. in Summer)
Downtown Chula Vista at Center St and Third Ave
Horton Square/San Diego - 11:00 a.m. to 3:00 p.m. (March thru October)
Downtown San Diego at 225 Broadway and Broadway Circle
North Park - 3:00 p.m. to Sunset
CVS Pharmacy parking lot at University and 32nd St
Oceanside - 9:00 a.m. to 1:00 p.m.
Coast Hwy and Pier View Way
Oceanside - 5:00 to 9:00 p.m.
Tremont and Pier View Way
Tierrasanta - 3:00 to 7:00 p.m.
De Portola Middle School at 11010 Clairemont Mesa Blvd and Santo Rd
FRIDAY
Borrego Springs - 7:00 a.m. to Noon (November thru June)
Christmas Circle Community Park at Christmas Circle and Palm Canyon Dr
La Mesa - 3:00 to 6:00 p.m.
8300 block of Allison Ave east of Spring St
Rancho Bernardo - 9:00 a.m. to Noon
Bernardo Winery parking lot at 13330 Paseo del Verano Norte
SATURDAY
Carlsbad - 9:00 a.m. to 1:00 p.m.
Roosevelt St between Grand Ave and Carlsbad Village Dr
Website: www.shopcarlsbadvillage.org/events/farmersmarket.html
Del Mar - 1:00 to 4:00 p.m
City hall parking lot at Camino Del Mar between 10th St and 11th St
Pacific Beach - 8:00 a.m. to Noon
Promenade Mall on Mission Blvd between Reed and Pacific Beach Blvd
Poway - 8:00 to 11:30 a.m.
Old Poway Park at Midland Rd and Temple
Scripps Ranch - 9:00 a.m. to 1:00 p.m.
Ellen Browning Scripps Elementary School at Scripps Poway Parkway and Spring Canyon Rd
Website: http://www.scrippsranchfarmersmarket.com/
Temecula - 8:00 a.m. to 12:30 p.m.
Old Town Temecula at 6th and Front Street
Website:http://www.temeculainformation.com/farmersmarket/Farmers_Market.htm
Vista - 7:45 a.m. to 11:00 a.m.
City hall parking lot at Eucalyptus Ave and Escondido Ave
SUNDAY
Hillcrest - 9:00 a.m. to 1:00 p.m.
DMV parking lot at 3960 Normal St and Lincoln St
La Jolla - 9:00 a.m. to 1:00 p.m.
La Jolla Elementary School at Girard Ave and Genter
Website: http://www.lajollamarket.com/
Leucadia/Encinitas - 10:00 a.m. to 2:00 p.m.
Paul Ecke Elementary at Union St and Vulcan St
Third Avenue/San Diego - 9:00 a.m. to 1:00 p.m.
Downtown San Diego at Third Ave and J St
Coronado - 2:30 to 6:00 p.m.
Old Ferry Landing at First St and B Ave
Escondido - 2:30 to 6:00 p.m. (4:00 to 7:00 p.m. in Summer)
Grand Ave between Juniper and Kalmia St
Website: http://www.downtownescondido.com/events/farmers_market
UCSD/La Jolla - 10:00 a.m. to 2:00 p.m. (September thru June)
UCSD Price Center near the bookstore at Lyman Lane and Library Walk
WEDNESDAY
Carlsbad - 1:00 to 5:00 p.m.
Roosevelt St between Grand Ave and Carlsbad Village Dr
Website: www.shopcarlsbadvillage.org/events/farmersmarket.html
Ocean Beach - 4:00 to 7:00 p.m. (4:00 to 8:00 p.m. in Summer)
4900 block of Newport Ave between Cable St and Bacon St
Temecula - 9:00 a.m. to 1:00 p.m.
Promenade Mall accross from Edwards Theatres
Website: http://www.temeculainformation.com/farmersmarket/Farmers_Market.htm
THURSDAY
Chula Vista - 3:00 to 6:00 p.m. (3:00 to 7:00 p.m. in Summer)
Downtown Chula Vista at Center St and Third Ave
Horton Square/San Diego - 11:00 a.m. to 3:00 p.m. (March thru October)
Downtown San Diego at 225 Broadway and Broadway Circle
North Park - 3:00 p.m. to Sunset
CVS Pharmacy parking lot at University and 32nd St
Oceanside - 9:00 a.m. to 1:00 p.m.
Coast Hwy and Pier View Way
Oceanside - 5:00 to 9:00 p.m.
Tremont and Pier View Way
Tierrasanta - 3:00 to 7:00 p.m.
De Portola Middle School at 11010 Clairemont Mesa Blvd and Santo Rd
FRIDAY
Borrego Springs - 7:00 a.m. to Noon (November thru June)
Christmas Circle Community Park at Christmas Circle and Palm Canyon Dr
La Mesa - 3:00 to 6:00 p.m.
8300 block of Allison Ave east of Spring St
Rancho Bernardo - 9:00 a.m. to Noon
Bernardo Winery parking lot at 13330 Paseo del Verano Norte
SATURDAY
Carlsbad - 9:00 a.m. to 1:00 p.m.
Roosevelt St between Grand Ave and Carlsbad Village Dr
Website: www.shopcarlsbadvillage.org/events/farmersmarket.html
Del Mar - 1:00 to 4:00 p.m
City hall parking lot at Camino Del Mar between 10th St and 11th St
Pacific Beach - 8:00 a.m. to Noon
Promenade Mall on Mission Blvd between Reed and Pacific Beach Blvd
Poway - 8:00 to 11:30 a.m.
Old Poway Park at Midland Rd and Temple
Scripps Ranch - 9:00 a.m. to 1:00 p.m.
Ellen Browning Scripps Elementary School at Scripps Poway Parkway and Spring Canyon Rd
Website: http://www.scrippsranchfarmersmarket.com/
Temecula - 8:00 a.m. to 12:30 p.m.
Old Town Temecula at 6th and Front Street
Website:http://www.temeculainformation.com/farmersmarket/Farmers_Market.htm
Vista - 7:45 a.m. to 11:00 a.m.
City hall parking lot at Eucalyptus Ave and Escondido Ave
SUNDAY
Hillcrest - 9:00 a.m. to 1:00 p.m.
DMV parking lot at 3960 Normal St and Lincoln St
La Jolla - 9:00 a.m. to 1:00 p.m.
La Jolla Elementary School at Girard Ave and Genter
Website: http://www.lajollamarket.com/
Leucadia/Encinitas - 10:00 a.m. to 2:00 p.m.
Paul Ecke Elementary at Union St and Vulcan St
Third Avenue/San Diego - 9:00 a.m. to 1:00 p.m.
Downtown San Diego at Third Ave and J St
Friday, August 24, 2007
贷款市场危机
Past weeks mortgage market has been a real mess.
一家家的贷款公司都要么关门大吉， 要么就提高要求， 要么就裁雇员。。。每天一读财经新闻就心慌慌啊。 到上周五为止已经有1万3千人被裁员了。 还有传闻说Warren Buffett要买Countrywide。
看了很多分析家的分析， 我觉得圣地亚哥这里还是有希望的。 只要这里的工作机会还是会继续增长。
上周我的小偶像之一 Cramer让大家买Wells Fargo, 听起来不无道理。 他相信这个危机总会过去， 到今年年底左右。
买房的同学们， 还是先hold on.
一家家的贷款公司都要么关门大吉， 要么就提高要求， 要么就裁雇员。。。每天一读财经新闻就心慌慌啊。 到上周五为止已经有1万3千人被裁员了。 还有传闻说Warren Buffett要买Countrywide。
看了很多分析家的分析， 我觉得圣地亚哥这里还是有希望的。 只要这里的工作机会还是会继续增长。
上周我的小偶像之一 Cramer让大家买Wells Fargo, 听起来不无道理。 他相信这个危机总会过去， 到今年年底左右。
买房的同学们， 还是先hold on.
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