Well In My Day – Chuck Barberini Real Estate

Chuck Barberini Real Estate – BR Real Estate Group

I follow a blog by Doug Giles called Clash Daily it is mostly political and most of it is conservative politics.

Doug has written several books, none of which I have read, the latest might be on my list to knock out soon “Pussification: The Effeminization of the American Male”. Just from reading some of Doug’s blogs and listening some of his pod casts, it occurs to me that Doug is a master of stating the obvious, making connections that we have been conditioned to overlook or ignore, or more importantly accept as the norm. Like cooking a frog, societal changes take place gradually over time, the heat slowly gets turned up, the frog gets comfortable, then sleepy then cooked. One of Doug’s most recent blogs is called 20+ ‘Dangerous Things’ Kids Used to Do – Before P*SSIFICATON Took Over. It is a fun article and insightful and something that we have all talked about, without sounding like an old fart “well in my day” … Check out this blog and let me know what you think and see if you can come up with a few of your own.

20+ ‘Dangerous Things’ Kids Used To Do – Before P*SSIFICATON Took Over

Safe spaces?
Aw, HELL no! Back in the day, that’s the LAST thing any of us wanted!

If you’re old enough to remember when being a kid meant riding your bike in the summer, with your curfew being ‘when it gets dark’, you will remember some of these awesome ‘dangerous pleasures’. (h/t ArtOfManliness)

How many of these are from YOUR list?

Play with fireworks:

Does anything quite compare with the anticipation of lighting, followed by the thrill of watching when it goes off?

(Also, you learn pretty quickly which mistakes you really, REALLY don’t want to make with combustible materials.)

Hammer a Nail

Do you know that not everything that gets put together comes out of a ‘flatpack’ from Ikea?

Knowing how to hit a nail, properly, without tapping it 200 times, bending it in half or flattening your thumb is an important life skill. Let kids learn how while they’re young, so they don’t have to embarrass themselves with ‘Hashtag Adulting’ the first time they need to hang a picture on the wall,

Stick Your Arm Out a Car Window

Because it’s fun. Fun that gives you a ‘hands-on’ physics lesson in aerodynamics, resistance, lift, drag. As long as you’re not trying to learn Braille at 55MPH, relax… your arm will be fine.

Jump Off a Cliff

(Preferably into water.)
If kids learn to manage risks early on, they won’t be paralyzed by the fear of them later.

Use a Bow and Arrow

(Or better still, build your own.) Marksmanship isn’t just about shooting. It’s about a steady hand, judging distance, and understanding variables like wind, and gravity well enough to compensate for them.


Cook a Meal

Because you’ll want options besides Ramen Noodle and take-out when you’re out on your own. The sooner they learn, the better they’ll get.

Climb a Tree

If we need to explain why this is awesome, you’ve been indoors too long. Just go and try it. You’ll thank us later.

Roughhouse

Lions do it. Wolves do it. We should too. It’s Science!

DeBenedet and Cohen boldly claim that roughhousing “makes kids smart, emotionally intelligent, lovable and likable, ethical, physically fit, and joyful.” In short, roughhousing makes your kid awesome.
Source: ArtOfManliness

Sledding
If you have snow where you are, don’t let it go to waste. And high-speed wipeouts just make it all the more awesome!

Drive a Car

I was 5 the first time dad put me on his lap and steer a moving vehicle. And most of my farm kid friends were driving the farm vehicles before they turned 10.

If you’ve got somewhere safe to let them learn, like my dad did and see what’s involved, go for it!

Then again, how about if you want a safe way to let them drive independently, even before they’re street legal?

There’s always the go-kart tracks, where some of those go-karts can hit speeds that can still make the grown-ups sweat.

Burn Things With a Magnifying Glass

A useful skill, and a lot of fun.
(Just make sure they’re not starting fires on school property. School officials get real twitchy about ‘insurance’ issues and such.)

Walk or Ride a Bike to School

Exercise is important for success in school. (Look what happened with the school that tripled their recess!)

What did the other ‘dangerous things’ on the list look like?

Shoot a Gun
Stand on the Roof (one of my personal favorites), Squash a Penny on a Railroad TrackSword Fight With SticksShoot a SlingshotExplore a Construction Site(another favorite, and demolished/burned down buildings were fun, too), Use a Pocket Knife (now in some places there’s a minimum age to even buy one!), and Ride Your Bike Off a Ramp.

(The number of times we all ‘should have died’ doing dumb stuff on our bike is past counting. But, somehow, we lived through it all!),

Don’t forget Climb a Rope (how many people can still do that?), explore a tunnel, or Make a Fire (that magnifying glass is only one way. It’s also important to know the basics of how to go from a single flame to a sustainable fire.)

The list keeps going and going chock-full of memories of what made childhood awesome!

Did our list miss any? Name them in the comments.

Better still, drop a picture in the comments to let the poor kids suffering under today’s ‘structured play’ programs what they’re missing out on.

Maybe they’ll get restless and demand change!

Effeminization Of The
American Male

by Doug Giles

Doug Giles, best-selling author of Raising Righteous And Rowdy Girls and Editor-In-Chief of the mega-blog,
ClashDaily.com, has just penned a book he guarantees will kick hipster males into the rarefied air of
masculinity. That is, if the man-child will put down his frappuccino; shut the hell up and listen and obey
everything he instructs them to do in his timely and tornadic tome. Buy Now:The Effeminization Of The American Male
Wear this to the gym and I guarantee you’ll get some comments.

 

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Chuck Barberini Real Estate – BR Real Estate Group

I follow a blog by Doug Giles called Clash Daily it is mostly political and most of it is conservative politics.

The Gratitude Fad – Chuck Barberini Real Estate

The Gratitude Fad – Chuck Barberini Real Estate – BR Real Estate Group

I have been following Jay Voorhees of JVM Lending’s blog for years, he always has something impactful to say. He deals with market conditions, interest rates trends and some of his best stuff is on life and human nature. Today’s blog, in honor of Thanksgiving week, he discusses gratitude and the “Gratitude Fad”. As a person that has relied on gratitude to pull myself out of dark times and has recently incorporated using the Best Self Journal into my daily routine, which emphasizes writing what you are grateful for at the beginning and end of each day, I really enjoyed what Jay had to say… Check out his blog below and then take a minute to reflect on how blessed we all are.

The new Prager University video “The Key to Unhappiness” also talks about being grateful for what we have and not focusing on what we don’t have.

I have been following Jay Voorhees of JVM Lending’s blog for years, he always has something impactful to say. He deals with market conditions, interest rates trends and some of his best stuff is on life and human nature. Today’s blog, in honor of Thanksgiving week, he discusses gratitude and “The Gratitude Fad”. As a person that has relied on gratitude to pull myself out of dark times and has recently incorporated using the Best Self Journal into my daily routine, which emphasizes writing what you are grateful for at the beginning and end of each day, I really enjoyed what Jay had to say… Check out his blog below and then take a minute to reflect on how blessed we all are.

The new Prager University video “The Key to Unhappiness” also talks about being grateful for what we have and not focusing on what we don’t have.

Thanksgiving and the “Gratitude Fad” – More Than Meets the Eye

Every Thanksgiving we are reminded ad infinitum to give thanks, to be grateful, to show gratitude…until it gets annoying. Equally annoying is the entire “gratitude fad” – the constant reminders all year long to show, think and express gratitude.

But, here’s the thing.

It works.

It not only makes the recipients of your gratitude feel great, studies show that it strengthens your immune system, helps you sleep better, reduces stress and depression, and opens the door to more relationships.  

So, I am piling onto the gratitude fad with this blog. 🙂 It is Thanksgiving week after all.

There was a wonderful article in the WSJ recently about a Jewish woman who was kept in hiding by total strangers during WWII in Greece. The strangers risked their lives and most definitely saved the woman’s life.

She has spent her recent years writing a book about her experiences, and just the act of writing sparked such strong feelings of gratitude that her well-being improved markedly.

The article quotes psychologists who remind us that we can’t just sit around and feel thankful to get the full benefits of gratitude. They suggest the following:

  1. Keep a gratitude journal with detailed entries.
  2. Write sincere thank you notes and emails.
  3. Verbally express and show gratitude – smile and say thank you more often, open doors for people, and just say “hi.”
  4. Avoid ingrates. If the people around you don’t feel gratitude, you probably won’t either. Gratitude is contagious, and so is the lack of it.
  5. Remember the bad.  Remembering difficult times helps you appreciate the good times.

As somebody who practices all of the above, I can say from experience that it really does work.

Thank you everyone for supporting JVM and for reading my blogs (about thanking everyone). 🙂

Jay Voorhees at (925) 855-4491
Real Estate Broker, CA Bureau of Real Estate, BRE# 01524255, NMLS# 335646 

Rates Hold

30 Year Fixed Rate Loan at a Cost of One Point: 3.875%* (APR = 4.105%)
Rates remain unchanged as we head into Thanksgiving week. Quick reminder that the market will be closed Thursday, with an early close Friday as well.

*The above rate quote has the following assumptions: $500,000 purchase; $400,000 loan amount; 20% down payment; credit score above 740; property is SFR; borrower has sufficient income to qualify; Estimated closing costs affecting the APR include $4,000 for Origination Fee; $995 for Lender Fees; $2,300 for Title Insurance (CLTA and ALTA), $800 for Escrow Fee; and $1,000 for Prepaid Interest.

JVM Lending
1850 Mt Diablo Blvd #140
Walnut Creek, CA 94596
United States

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 The Gratitude Fad – Chuck Barberini Real Estate – BR Real Estate Group

FHA vs Conventional loans – Chuck Barberini Real Estate

Chuck Barberini Real Estate – BR Real Estate Group

FHA vs Conventional loans – Thursday November 9th

I get asked this question a lot and for the most part I either defer to the lend or say that FHA offers 96.5% loan. There are different qualifications for the property in FHA appraisals that are much stricter. The subject property is not only appraised for value, it is also inspected for safety, soundness of construction and adherence to local code restrictions. I came across this article yesterday written by Hal Bundrick a staff writer at NerdWallet, it does a great job of explaining the benefits and disadvantages of FHA loans. Take a moment and read this article and share with anyone that is considering purchasing a home in the near future. If you have any questions, I work with quality lenders that can further explain what loan better fits your situation.

Tech Sec

I saw this article On Linkedin this morning, a couple of big names teaming up:

New Salesforce and Google Partnership Shakes Up the Cloud Race

FHA loan vs. conventional mortgage: Which is right for you?

Nerd Wallet

11:59 PM, Nov 7, 2017

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?

Not necessarily.

Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHA have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.

But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.

Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage.

Property standards

What kind of property are you buying? You can use a conventional loan to buy a vacation home or an investment property, as well as a primary residence.

The same can’t be said about FHA loans.

An FHA loan must be for a property that is occupied by at least one owner, as a primary residence, within 60 days of closing. Investment properties and homes that are being flipped (sold within 90 days of a prior sale) aren’t eligible for FHA loans.

FHA appraisals are more stringent, as well. Not only is the property assessed for value, it is thoroughly vetted for safety, soundness of construction and adherence to local code restrictions.

Loan limits

Where you’re planning to buy your home can play a role in what kind of loan is best for you. FHA and conventional loan guidelines allow wide latitude for borrowers in expensive areas, but in some cases you may end up needing a jumbo loan, which is bigger than FHA or conventional limits.

FHA loans are subject to county-level limits based on a percentage of a county’s median home price. In certain high-cost areas, the limit in 2017 can be as high as $636,150 — and in Alaska, Guam, Hawaii and the Virgin Islands, limits can be much higher than that.

For loans guaranteed by Fannie Mae and Freddie Mac, the government-sponsored companies that help fund the conventional mortgage industry, single-family home loan limits are $424,100 in most of the country. Again, higher loan ceilings are available in pricier counties.

You can find your county’s loan limits for FHA (shown at the link as “FHA forward”) and conventional mortgages (“Fannie/Freddie”) on the Department of Housing and Urban Development website.

Down payment

This is where conventional loans have really improved. FHA loans used to be the low-down-payment leader, requiring just 3.5% down. But now, Fannie Mae and Freddie Mac both offer 97% loan-to-value products; that means a 3% down payment option — even lower than FHA — for qualified buyers.

From time to time, you can find lenders offering down payment options that are even lower on conventional loans. Quicken Loans, for instance, has offered a 1% down loan.

Foreclosures

Another instance where FHA and conventional standards have converged: how bad credit is accounted for. Over the past few years there have been numerous changes to the policies regarding bad-credit issues and how they are treated for FHA and conventional loans, with new standards implemented — and then expiring.

However, as it stands now, for a buyer to qualify for either an FHA or conventional loan, it typically must be two years since a bankruptcy was discharged and three years since a foreclosure or short sale.

There will definitely be hurdles to clear to prove to a lender that you have re-established your creditworthiness:

  • You’ll have to document that circumstances leading to the financial setback were beyond your control
  • You may have to attend a credit education course
  • Your loan will likely have to go through a manual loan approval process, which means approval and closing will likely take longer.

Mortgage insurance

With a down payment of less than 20%, both FHA and conventional loans require borrowers to pay mortgage insurance premiums. This insurance helps defray the lender’s costs if a loan defaults.

There are some differences between the two insurance programs.

With an FHA loan, if you put less than 10% down, you’ll pay 1.75% of the loan amount upfront and make monthly mortgage insurance payments for the life of the loan. With a down payment of 10% or more (that is, a loan-to-value of 90% or better), the premiums will end after 11 years.

Conventional loans with less than 20% down charge private mortgage insurance. It can be charged as an upfront expense payable at closing, or built into your monthly payment — or both. It all depends on the insurer the lender uses.

“The rates for PMI vary according to two factors: credit score and loan-to-value ratio,” Joe Parsons, a senior loan officer with PFS Funding in Dublin, California, says. He provides the following examples:

  • A borrower with a 620 score with a 97% loan-to-value will pay 2.37%
  • The same loan for a borrower with a 760 score will cost 0.69%
  • A borrower with a 620 score and a 90% loan-to-value will pay 1.10%
  • The same loan for a borrower with a 760 score will cost 0.31%

PMI generally can be canceled once your loan is paid down (and/or your property’s value appreciates) to 78% of your home’s value.

Mortgage insurance

FHA Conventional
Upfront premium cost 1.75% Depending on the insurer, there may or may not be an upfront premium. You can also opt to make a single-premium payment instead of monthly payments.
Monthly premium cost Cost varies. Based on loan term, amount and down payment. For purchase loans, the premium ranges from 0.45% to 1.05%, according to the FHA. Cost varies. Based on credit score and loan-to-value. For purchase loans, fees can range from 0.55% to 2.25%, according to Genworth and the Urban Institute.
Duration With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. Usually can be canceled once your loan balance reaches 78% of your home’s value.

 

Credit score standards

Here is the primary distinction between the two types of loans: FHA loans are easier to qualify for. As far as a credit score, FHA sets a low bar: a FICO of 500 or above. Lenders can set “overlays” on top of that credit score requirement, hiking the minimum much higher.

But to qualify for the lowest FHA down payment of 3.5%, you’ll need a credit score of 580 or more, says Brian Sullivan, HUD public affairs specialist. With a credit score between 500 and 579, you’ll need to put down 10% on an FHA loan, he adds.

The average FICO score for FHA purchase loans closed in 2016 was 686, according to mortgage industry software provider Ellie Mae.

Conventional loans typically require a FICO credit score of 620 or better, Parsons says.

“A borrower with that score who can document income and assets will, in all likelihood, receive a loan approval,” he says. “They will pay a higher price for that loan because of ‘risk-based pricing’ from Fannie Mae and Freddie Mac, but it is unlikely that they will be declined because of their credit score.”

Risk-based pricing means compensating the lender for taking the additional risk on a borrower with a lower credit score (the average FICO score for a conventional loan was 753 in 2016, according to Ellie Mae). In other words, the lower your credit score, the higher your mortgage interest rate.

Debt-to-income ratios

HUD’s Sullivan says your debt-to-income ratio — including the new mortgage, credit cards, student loans or any other monthly obligations — must be 50% or less for an FHA loan. Ellie Mae reports the average debt ratio for borrowers closing FHA purchase loans in 2016 was 42%.

Conventional loans usually require a debt-to-income ratio no higher than 45%, Parsons says. In 2016, borrowers with conventional purchase loans averaged a 34% debt ratio, according to Ellie Mae.

Mortgage rates

Another distinction for FHA loans: generally lower mortgage interest rates. However, the difference between the two was incremental last year. The 30-year fixed rate for FHA purchase loans closed in 2016 averaged 3.95%, compared with a conventional mortgage rate on the same term of 4.06%, according to Ellie Mae.

Refinancing

As far as mortgage refinancing goes, the edge goes to FHA “streamline” refinancing. With no credit check, no income verification and likely no home appraisal, it’s about as easy a refi as you can get. But there are five requirements for an FHA streamline refinance.

So, which mortgage to choose?

Your decision may initially be based on your credit score. If it’s well below 620, an FHA loan may be your only choice. Above 620 and you’ll want to run the numbers on both to see what works best for you.

However, if you are serving in the military or are a veteran, a loan backed by the VA may be the way to go. VA loans usually require no down payment. And if you live in a suburban or rural area, a USDA loan could be a smart option, too.

FHA Loans vs. Conventional Loans

  FHA Conventional
Property type Financing for a primary residence only Financing for a primary residence, second home or investment property
Down payment  Down payments as low as 3.5% Some programs offer down payments as low as 3% or even lower
Mortgage insurance Mortgage insurance premiums required: 1.75% upfront and monthly premiums that vary with your loan term, loan amount and down payment, from 0.45% to 1.05% With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%.
Credit score Credit score of 500 or better is usually required, though this depends on the lender. Average FICO score in 2016: 686. Credit score of 620 or higher is usually required, though this depends on the lender. Average FICO score in 2016: 753, according to Ellie Mae.
Debt ratio Average 2016 debt ratio: 42% Average 2016 debt ratio: 34%
Interest rates Interest rates for FHA loans tend to be slightly lower than for conventional loans Interest rates for conventional loans tend to be slightly higher than for FHA loans

Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: hal@nerdwallet.com. Twitter: @halmbundrick.

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FHA loan vs. conventional mortgage: Which is right for you?

 FHA vs Conventional loans

Chuck Barberini Real Estate – BR Real Estate Group

 

Are Homes More Affordable – Chuck Barberini Real Estate

Chuck Barberini Real Estate – BR Real Estate Group

Check out this article from Realtor Magazine Online. It is a real unique look at the housing market and offers a very original point of view. It gives us some good insight into the rapid rise of house prices and how they compare to the prices prior to the pre-crash prices.

Homes Are More Affordable Than 20 Years Ago

DAILY REAL ESTATE NEWS | WEDNESDAY, NOVEMBER 08, 2017

Homes are actually more affordable now than they were in the late 1990s, according to the latest Mortgage Monitor Report by Black Knight Inc., a mortgage data and performance information provider.

A Closer Look: NAR’s Housing Affordability Index

Interest rates have plunged by 40 basis points over the past six months. However, the bulk of the potential savings is offset by the accelerating rate of home price appreciation across the country.

“Rising home prices continue to offset the majority of would-be savings from recent interest rate declines, which has kept affordability near a post recession low,” says Ben Graboske, executive vice president of data & analytics for Black Knight. “That being said, when viewing the market through a longer-term lens, affordability across most of the country still remains favorable to long-term benchmarks.”

As of September, 21.4 percent of the median income nationwide was required to purchase a median-priced home. From 1995 to 1999, that percentage was 24.2 percent, and from 2000 to 2003 it was 26.2 percent, according to Black Knight’s report.

While the monthly payment needed for a median-priced home is up $100 from a year ago, the national “payment-to-income” ratio remains 2.8 percent below averages from the late 1990s, according to the report.

“In looking at the affordability landscape across the country, we certainly see varying levels of affordability in each market compared to their own long-term benchmarks,” Graboske says. “But, by and large, the overall theme is that affordability in most areas, while tightening, remains favorable to long-term norms.”

Black Knight researchers note that 47 of 50 states’ payment-to-income ratios remain below their 1995–2003 averages. Hawaii, California, Oregon, and Washington, D.C., are the lone exceptions, where payment-to-income ratios are higher today than their long-term benchmarks.

Source: Black Knight Inc.

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 Chuck Barberini Real Estate – BR Real Estate Group

It’s Christmas – A Different Kind of Poem – Chuck Barberini

It’s Christmas – My boy Christopher is home for a couple of weeks and I saw this last night and it really hit me… It touched me and made me sad, it made me happy and proud, it made me think about the sacrifices of so many and how blessed we are to be American… Thank you to those in service all over the world, away from home… Merry Christmas.

Take a minute to read this poem and let me know what you think.

Different Christmas Poem

 

 

 

 

The embers glowed softly, and in their dim light,
I gazed round the room and I cherished the sight.
My wife was asleep, her head on my chest,
My daughter beside me, angelic in rest.


Outside the snow fell, a blanket of white,
Transforming the yard to a winter delight.
The sparkling lights in the tree I believe,
Completed the magic that was Christmas Eve.


My eyelids were heavy, my breathing was deep,
Secure and surrounded by love I would sleep.
In perfect contentment, or so it would seem,
So I slumbered, perhaps I started to dream.


The sound wasn’t loud, and it wasn’t too near,
But I opened my eyes when it tickled my ear.

Perhaps just a cough, I didn’t quite know,
Then the sure sound of footsteps outside in the snow.


My soul gave a tremble, I struggled to hear,
And I crept to the door just to see who was near.

Standing out in the cold and the dark of the night,
A lone figure stood, his face weary and tight.


A soldier, I puzzled, some twenty years old,
Perhaps a Marine, huddled here in the cold.
Alone in the dark, he looked up and smiled,
Standing watch over me, and my wife and my child.


“What are you doing?” I asked without fear,
“Come in this moment, it’s freezing out here!
Put down your pack, brush the snow from your sleeve,
You should be at home on a cold Christmas Eve!”


For barely a moment I saw his eyes shift,
Away from the cold and the snow blown in drifts…
To the window that danced with a warm fire’s light
Then he sighed and he said “It’s really all right.


I’m out here by choice. I’m here every night. ”
“It’s my duty to stand at the front of the line,
That separates you from the darkest of times.
No one had to ask or beg or implore me,

I’m proud to stand here like my fathers before me.


My Gramps died at ‘ Pearl on a day in December,”
Then he sighed, “That’s a Christmas ‘Gram always remembers. ”
My dad stood his watch in the jungles of ‘ Nam ‘,
And now it is my turn and so, here I am.


I’ve not seen my own son in more than a while,
But my wife sends me pictures, he’s sure got her smile.
Then he bent and he carefully pulled from his bag,
The red, white, and blue… an American flag.


I can live through the cold and the being alone,
Away from my family, my house and my home.
I can stand at my post through the rain and the sleet,
I can sleep in a foxhole with little to eat.


I can carry the weight of killing another,
Or lay down my life with my sister and brother.
Who stand at the front against any and all,
To ensure for all time that this flag will not fall.”


”  So go back inside,” he said, “harbor no fright,
Your family is waiting and I’ll be all right. ”
“But isn’t there something I can do, at the least,
“Give you money,” I asked, “or prepare you a feast?

It seems all too little for all that you’ve done,
For being away from your wife and your son. “


Then his eye welled a tear that held no regret,
“Just tell us you love us, and never forget.
To fight for our rights back at home while we’re gone,
To stand your own watch, no matter how long.


For when we come home, either standing or dead,
To know you remember we fought and we bled.
Is payment enough, and with that we will trust,
That we mattered to you as you mattered to us. “

 


PLEASE, would you do me the kind favor of sending this to as many
people as you can? Christmas will be coming soon and some credit is due to our
U. S. service men and women for our being able to celebrate these
festivities. Let’s try in this small way to pay a tiny bit of what we owe. Make people stop and think of our heroes, living and dead, who sacrificed themselves for us.

LCDR Jeff Giles, SC, USN
30th Naval Construction Regiment
OIC, Logistics Cell One
Al Taqqadum, Iraq

“Real Integrity is doing the right thing, knowing that no body’s going to know whether you did it or not. “

PFC Christopher Barberini

 

 

 

 

 

 

 

SF Bay Agents

B|R Real Estate Group

Phoenix Property Management

 

 

Friday The 14th of October… Chuck Barberini Real Estate

Friday The 14th of October… Chuck Barberini Real Estate
Chuck Barberini Real Estate – BR Real Estate Group
For today, I’m just throwing some random stuff together and we’ll see where it goes.
The Giants – Even year and I’m up – I’m Down – I’m up then I’m down again

First of all, I’m still pissed that the Giants lost game 4 at home. I must admit that I was not overly optimistic that they were going anywhere this year. Every time that I counted them out they would prove me wrong. The season started and I was not excited, I didn’t think that they had done enough in the off season. Dennard Span, Jeff Samardzija and Johnny Cueto were good additions, but we missed out on Zack Greinke. We still had Posey, Pence, Belt, Pagan, Crawford, Duffy and Panik and of course Madison Bumgarner, so we should be competitive.

They come out

of the gates, so-so, win some and lose some, then they catch fire… May, June and up until the All-star break they are winning. They are getting through injuries and nobody is on fire, but they keep winning. So, now I’m getting excited 57-33 and a 7 game lead, the best record in baseball. Then they came back from the break and lost and lost in every way possible. The Padres owned them, Santiago Casillas lost his confidence and in spite of 31 saves could close out a game. The Dodgers caught and passed them and they were leaking some serious oil and limping to the finish line. Just to make the playoffs, they had to sweep the Dodgers in the last series of the season.san-francisco-giants

Off to New York

for a one game playoff with the Mets, an awesome pitcher’s duel with Mad Bum tossing a complete game shutout and some late game heroics from Conor Gillespie and they were off to Chicago, to play the Cubs, the hottest team in baseball for a best of 5 series. I’m excited again… Game one, Cueto is pitching a gem, but throws one bad pitch and gives up a homer in the 8th and down go the Giants. Game 2 Samardzija pitching again in Chicago and gets roughed up early and its back to SF down 2 games and playing a sudden death at home. Game 3, the Giants have their Mr. October, Mad Bumm going, I’m cautiously optimistic, but it starts bad, an early homer to the Cubs pitcher and we are down 3 nothing, oh well it was a good run… but they come back and are up 5-3 in the 9th, here comes the bullpen and there goes the lead.

I’m bummed

but it’s October, it’s an even year and it’s the Giants… Crawford and Panik combined for a dramatic walk off win in the 13th, I’m stoked. Matt Moore was dealing in game 4 and the Giants take a 5-2 lead into the ninth… Here we come Chicago, game 5 and Johnny Cueto is set to go, but here comes the bull pen and there goes the game and game 5 and the season…. Un-freaking believable and, oh yea, I’m bummed…

October 14th 1947 Air Force test pilot Chuck Yeager broke the sound barrier piloting the experimental Bell X-1. x1

I read his book years ago and there was also a large section on him in “The Right Stuff” I have admired him for years and was surprised to see that he is alive and well, 93 years young and is quiet an accomplished Tweeter… Check out some of these classics. Chuck Yeager Twitter

 

“The Reaper”

I saw this article today, linked on my Task & Purpose email… I’m looking forward to seeing this production, but a couple of things jumped out at me from the article. Nicholas Irving aka the Reaper is the son of military veterans and is the first African American Sniper in the 3rd Ranger Battalion. What was really interesting is that the production is based on a self-published book that Irving wrote during a four-day alcohol binge. CB

Jay Z Is Producing A TV Show About Legendary Sniper Nicholas Irving

By ADAM LINEHAN on October 12, 2016

Irving earned the nickname “the Reaper” for purportedly killing 33 insurgents during a deployment to Afghanistan in 2009.

Rapper Jay Z is producing a six-part miniseries about Nicholas Irving, who earned the nickname “the Reaper” while serving with the U.S. Army’s 3rd Ranger Battalion from 2004 to 2010.

According to Page Six, the show is being produced for NBC.

Irving, who grew up in Maryland, deployed multiple times to Iraq and Afghanistan and saw heavy combat throughout his career. During a four-month deployment to Afghanistan as a direct-action sniper in 2009, he purportedly killed 33 enemy combatants.

In addition to

being one of the deadliest snipers in American history, Irving, the son of two Cold War military veterans, holds the distinction of being the first African-American sniper to serve with 3rd Ranger Battalion.the-reaper

The six-part miniseries will be based on Irving’s 2015 memoir, “The Reaper: Autobiography of One of the Deadliest Special Ops Snipers,” which primarily focuses on Irving’s legendary 2009 Afghan deployment. A source told Page Six filming will begin early next year.

In a recent interview with Task & Purpose, Irving explained that he had written “The Reaper” during a four-day alcohol binge after leaving the Army. The memoir was initially self-published on CreateSpace.com and then picked up by St. Martin’s Press. Irving’s second book, “Way of the Reaper: My Greatest Untold Missions and the Art of Being a Sniper,” was published in August of this year.

Irving is also

a co-host of Fox’s “American Grit,” a reality series that premiered in April and was recently renewed for a second season.

Actor Sterling K. Brown, who won an Emmy for his portrayal of Christopher Darden in FX’s critically acclaimed 2016 series “The People v. O.J. Simpson: American Crime Story,” will star as Irving, Page Six reports.

On Oct. 10, Irving confirmed the news on Instagram.

And another thing…

7Colin Kaepernick is starting for the 49ers this weekend. He is an embarrassment, his national anthem protest is disgusting and the 49ers are un-watchable. 3 years removed from the Super Bowl. Alex Smith has had a nice career since he lost his job and team to an injury…

 

Go Warriors
Friday The 14th of October…
Chuck Barberini
Chuck Barberini

 

Friday The 14th of October… Chuck Barberini Real Estate
Chuck Barberini Real Estate – BR Real Estate Group

Being Lazy Can Equal Great Success – Chuck Barberini Real Estate

Chuck Barberini Real Estate 

Being Lazy Can Equal Great Success

Barberini Robinson Real Estate Group

This is a fun article that I came across today @lifehack.org today. Michael Daws puts an interesting twist on productivity. He shows how being lazy can help you be more successful, but what he is really showing is how to prioritize. Focus on what’s important now, delegate, focus, look for a better way to complete your task. Check out this article and let me know what you think. Click on the link below to see the current interest rates.

Good Luck, Chuck

8 Reasons Why Being Lazy Will Lead You to Great Success

PRODUCTIVITYBY MICHAEL DAWS

Your whole life you’ve been told things like “hard work is the only key to success,” or maybe even “you will never amount to anything if you don’t work hard for it.” While these statements are somewhat true, what if I told you that you could be very successful and still be lazy at the same time?

Being lazy doesn’t necessarily mean not having to do anything, it just means you find an easier way to do it so you don’t have to work as hard. Here are some of the ways that being a lazy person can help you to find great success.

 

  1. You avoid busy work

There is nothing that I absolutely hate more in the workplace than busywork. Unimportant meetings that have no effect on your particular department, or meetings that achieve nothing aside from taking up your time. This is time that could be spent actually getting the job done so you can get the heck out of there.

Lazy people would rather take the task they are assigned and get it done, get it done quickly, and get it done right, so they don’t have to spend any more time on it than absolutely necessary.

  1. You know how to delegate to cover more ground

Lazy people make really good leaders, and this point proves it. You put a lazy person in charge of a group of people for a project, they know how to delegate people to certain tasks based on their skills so the job can be done quickly and efficiently. It doesn’t make sense to have one person do everything or have everybody focus on one thing at a time — lazy people usually have a knack for making sure this does not happen.

  1. You are clever, so you can be lazy

If you are lazy, you must be clever in order to be efficient. In the workplace, you can be two of four things: lazy or diligent, clever or stupid. If you are clever and lazy, you have a tendency to be the most efficient. This just means you can get more done while doing less work.

  1. You always look for a quicker, more effective way of doing things

Bill Gates said that he would always hire a lazy person to do a difficult job at Microsoft, because they would always find an easier way to do it. Just because you are diligent and clever, doesn’t mean you are going to be more efficient. This just means you will get the job done — but you are probably going to do it without finding a better way, and you are going to take a lot of unnecessary steps to get it done.

  1. You focus on only the bare necessities

When given a task to do, lazy people tend to only focus on what is needed, rather than all of the extra details to get the job done. I’m not saying that there is anything wrong with going the extra mile every once in a while, but sometimes it can be too much and it’s just a wasted effort. Lazy people have an ability to figure out when is a good time and when it is unnecessary to do a little extra.

  1. You know how to procrastinate

Procrastination has always been seen as a bad thing, but if you are lazy and clever you know how to use procrastination to your advantage. Lazy people who procrastinate and wait until the last minute have no choice but to focus on the job and get it done in time. They know that there is no room for error or extras, so they get the job done quickly and done well in less time than a diligent worker.

  1. You are lazy because you are efficient

Sometimes it may seem that people are just plain being lazy, constantly scrolling their Twitter feeds and reloading Facebook, while you are busy busting your butt. The reality of it is that they knew how to get their job done faster and easier and simply just have the time to sit around.

  1. You know how to make money when they are sleeping

That is the ultimate dream, right?  Wake up and look at your bank account and have more money in it than you did when you fell asleep. Lazy people know how to utilize online tools and services that allow them to make money without having to work a lot. It will take some work to develop things that will sell, but then you can sit around and make money afterwards without having to sweat.

Its all about how you look at things. You don’t have to work your fingers to the bone day in and day out to be successful. It’s all about how you can get more done in less time and produce bigger results than before.

Chuck Just Chillin'
Chuck Just Chillin’

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Chuck Barberini Real Estate 

Being Lazy Can Equal Great Success

Barberini Robinson Real Estate Group

 

Homelessness Rising Among Families – Chuck Barberini Real Estate

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Homelessness Rising Among Families – Chuck Barberini Real Estate

Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek

DAILY REAL ESTATE NEWS | FRIDAY, AUGUST 21, 2015

Homeless Shelter

Total homelessness has fallen 10 percent in the country since 2010, but among one segment, homelessness is on the rise. A new blog post from Harvard University’s Joint Center for Housing Studies notes that homelessness among families remains persistently high.

Read moreNever Taking a Home For Granted

More than a third of the total homeless population is made up of people in families, and more than 60 percent of this segment have children who are under the age of 18.

The number of homeless families living in shelters – such as emergency shelters, transitional housing programs, or safe havens – is growing. Nearly nine in 10 homeless people in families were staying in shelters in 2014.

In some pockets across the country, the number has risen to the highest on record, JCHS notes. For example, in New York City, homeless families are estimated to comprise the majority of homeless shelter residents, rising by 67 percent alone between January 2005 and January 2015, according to the advocacy group Coalition for the Homeless.

“Since the end of the recession, the affordable housing shortage has continued to play a major role in rising rates of family homelessness,” JCHS research assistant Irene Law notes on the Housing Perspectives blog. “Between 2010 and 2014, in high-cost locations where affordable rentals are in short supply, the number of homeless people in families increased substantially: by 50 percent in the District of Columbia, 41 percent in Massachusetts, and 22 percent in New York.  The problem is acute in urban areas across the country.”

Indeed, 45 percent of all homeless families lived in major cities in 2014. Nearly 20 percent lived in New York City, which had the highest concentration of homeless families nationwide at 41,633, followed by Los Angeles City and County at 6,229.

“The current inventory of permanent supportive housing largely targets single adults, especially those with chronic patterns of homelessness,” notes Lew at the JCHS blog. “Although the number of permanent supportive housing beds has increased significantly since 2007, a substantial share of permanent supportive housing beds are set aside for individuals rather than families.  The limited availability of subsidies for the services component, as well as higher operating expenses compared to affordable housing, present challenges for expanding the supply of permanent supportive housing.”

Source: “Despite Declines in Homelessness, Family Homelessness Persists,” Harvard University’s Joint Center for Housing Studies (Aug. 12, 2015)

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6 Key Housing Stats to Gauge the Market – Chuck Barberini Real Estate

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Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek
6 Key Housing Stats to Gauge the Market
DAILY REAL ESTATE NEWS | FRIDAY, AUGUST 21, 2015Housing

Existing-home sales were back on the rise in July, marking the third consecutive month of increases, while low inventories of homes for-sale and rising prices were the reason behind first-time buyers falling to their lowest share since January, according to a new report from the National Association of REALTORS®.

Regional Breakdown
Here’s how existing-home sales fared across the country in July:
• Northeast: sales fell 2.8 percent to an annual rate of 700,000, but are 9.4 percent above a year ago. Median price: $277,200, which is 1.3 percent higher than a year ago.
• Midwest: sales held steady at an annual rate of 1.32 million, unchanged from June but 10.9 percent above a year ago. Median price: $186,500, up 6.6 percent from a year ago.
• South: sales rose 4.1 percent to an annual rate of 2.29 million in July, and are 9.6 percent higher than a year ago. Median price: $203,500, up 7 percent from a year ago.
• West: sales increased 3.2 percent to an annual rate of 1.28 million in July, and are 11.3 percent above a year ago. Median price: $327,400, which is 8.4 percent above a year ago.
Source: National Association of REALTORS®

Total existing-home sales – which include single-family homes, townhomes, condos, and co-ops – rose 2 percent in July to a seasonally adjusted annual rate of 5.59 million. Sales are at the highest pace since February 2007, and are 10.3 percent above a year ago.

“The creation of jobs added at a steady clip and the prospect of higher mortgage rates and home prices down the road is encouraging more household to buy now,” says Lawrence Yun, NAR’s chief economist. “As a result, current home owners are using their increasing housing equity toward the down payment on their next purchase.”

Here’s a look at five main indicators from NAR’s latest housing report:
1. Home prices: The median existing-home price for all housing types was $234,000 in July – 5.6 percent above a year ago. “Despite the strong growth in sales since this spring, declining affordability could begin to slowly dampen demand,” says Yun. “REALTORS® in some markets reported slower foot traffic in July in part because of low inventory and concerns about the continued rise in home prices without commensurate income gains.”

2. Housing inventories: At the end of July, the inventory of homes for-sale fell 0.4 percent to 2.24 million existing homes available for sale. The inventory now is 4.7 percent lower than a year ago and at a 4.8-month supply at the current sales pace.

3. First-time home buyers: The percentage of first-time home buyers fell for the second consecutive month, reaching 28 percent in July – the lowest share since January. Last year at this time, first-time buyers comprised 29 percent of all buyers.

“The fact that first-time buyers represented a lower share of the market compared to a year ago even though sales are considerably higher is indicative of the challenges many young adults continue to face,” says Yun. “Rising rents and flat wage growth make it difficult for many to save for a down payment, and the dearth of supply in affordable price ranges is limiting their options.”

4. Days on the market: Properties stayed on the market for an average of 42 days in July, below the 48 days average from a year ago. Forty-three percent of homes were on the market for less than a month in July. Short sales were on the market the longest at a median of 135 days while foreclosures were on the market for 49 days and non-distressed homes sold in 41 days.
5. All-cash sales: The percentage of all-cash sales rose to 23 percent of transactions in July, down from 29 percent a year ago. The share of individual investors – who account for the bulk of cash sales – was 13 percent in July, down from 16 percent a year ago.

6. Distressed sales: The percentage of foreclosures and short sales declined to the lowest share since NAR began tracking it in October 2008. Distressed sales fell 7 percent in July month-over-month and are 9 percent below a year ago. In July, 5 percent of sales comprised foreclosures while 2 percent were short sales. On average, foreclosures sold for a discount of 17 percent below market value while short sales sold for an average discount of 12 percent.

“Five years ago, distressed sales represented 33 percent of the market in July,” says Chris Polychron, NAR’s president. “For many previously distressed homeowners throughout the country, rising home values in recent years have helped recover equity and the vast improvement in several local job markets means fewer are falling behind on their mortgage payments.”
Source: National Association of REALTORS®

“You can’t use up creativity.

The more you use, the more you have.”

Maya Angelou

Rates improved today upon the release of weaker than expected economic news. 

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Chuck Barberini Real Estate – It’s Not Easier to Get a Mortgage

DAILY REAL ESTATE NEWS | MONDAY, AUGUST 10, 2015

Home sales are improving, so does that mean it’s easier to get credit access for a mortgage? Not necessarily, writes Jonathan Smoke, realtor.com®’s chief economist.

Read more: Getting a Mortgage is Easy, Consumers Say

Last fall, mortgage giant backers Fannie Mae and Freddie Mac urged lenders to ease their requirements and also introduced new 3 percent down payment programs for qualified buyers. The Federal Housing Administration also has lowered its insurance premiums.

The Mortgage Bankers Association’s Credit Availability Index was at 122 in June, a 5 percent increase year-over-year in the expansion of credit. However, the index peaked at 869 in June 2004 – indicating that June’s reading is still far from that peak or even a normal reading.

Smoke says that the average FICO score on a closed purchase mortgage in June was 727. Average FICO scores for the past 24 months have hovered between 724 and 742. That represents above-median credit quality households, Smoke says. The average denied FICO score was 672 in June, down from 686 a year ago.

What that means, Smoke notes, is that “more lower credit-quality households are applying but not getting approved. Yet at the same time, the percentage of purchase applications making it to closing has risen from 64 percent last June to 69 percent this June. Times are still tough for those with tarnished credit.”

On the other hand, wealthier households seeking a jumbo mortgage may be having an easier time. Lenders are showing signs of loosening up on jumbo mortgage requirements.

A more widespread change may be on the horizon for the market. A July Senior Loan Officer survey report from the Federal Reserve did show that over the past three months banks have been easing lending standards on several categories of mortgage loans. Smoke notes that those changes may start appearing in the closing averages in the coming months.

Still, “today’s limited credit availability is at least partly to blame for the tight supply that’s leading to higher prices and higher rents,” Smoke writes. “Builders are not convinced that there’s enough depth of demand to absorb higher levels of new construction, so they are holding back and focusing on their profitable growth instead. Meanwhile, a substantial percentage of today’s home owners with mortgages underwritten years ago fear not being able to qualify for a new mortgage today, so they stay on the sidelines and keep their homes off the market.”

Source: “Is It Really Easier to Get a Mortgage These Days? Well …” realtor.com® (Aug. 6, 2015)

Rates improved today upon the release of weaker than expected economic news. 

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