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Windermere Homes & Estates
Susan Schweiker
6965 El Camino Real, Suite D-107
Carlsbad, CA 92009
760-672-5034 cell 866-605-3669 efax
CA BRE Lic. 01327989
"I feel so lucky to have found Susan Schweiker, I gained a beautiful home to spend the rest of my years in and a friend. Where most agents are out to just sell a home, Susan was the only one I truly felt ?got it? and knew me, because she listened. Within the first hour that I met her, she was already busy modifying lists of prospective homes that were worthy as if I looked them up myself. Her soft caring demeanor was sincere and realistic, she never gave up on me and my dream and made sure that I stayed true to myself and not what others would have tried to sell me. She is all about the client and it shows. Susan went above and beyond to make my family happy before, during and after the purchase of our home. Her up to date knowledge of the market and areas paid off. She is a true angel in a world of sharks. I want to thank you for what you have done for our family." Eve
"I have been a friend of Susan's since 1992. Over the years, I have seen her performance in the real estate field and in 2006 I made a choice to use her expertise. I bought a beautiful home in Old Creek Ranch in the Larkspur Heights development. Susan helped me through the entire process and now I am the owner of a beautiful home in the North County. New home sales are different than resale homes, so I was very pleased to have her expert help in this transaction. The sale went through without a flaw, and now I have a beautiful view to San Elijo Hills" Robert
"I am so happy that we bought our house, I have this big house and I realize its only because of you Susan. I can't say enough to express our appreciation of Susan! She went above and beyond to help my husband and I buy our first home for our family! Susan is a no-pressure real estate salesperson who truly cares about her clients wants and needs in purchasing and selling homes. She is honest, respectful and makes you feel as if you are her only clients. She works diligently to answer all your questions right away and ensures you are going to get the best deal you can get when making such a huge purchase! Her negotiating skills are excellent and although she has an extremely calm and peaceful demeanor, she is not afraid to play hardball when needed to ensure her clients are getting the best deal! We referred our good friends to Susan when they started looking to buy this Summer and they immediately loved her and bought their first home within a couple of months! I will recommend Susan over and over to anyone looking buy or sell! Thanks again Susan!!" Haley
"We are so glad you are our realtor, you send us more info. than anyone else, and make us feel more comfortable, of course you can let the others know how satisfied we were/are with your services!We are so glad that we met you, Susan! Philippe and I said it several times to each other, that we think without you, we would not have been able to buy this house. We had never thought, that it is so complicated to buy a house in US. When Mark recommended us to contact you, he was already very enthusiastic about you. And we can only confirm. And Philippe was also so grateful for all the time you spent with him to look to all these houses. Thank you so much, Susan!" Angelika
"We were very happy and grateful for your help to find a home here from France. Your efforts showing the homes and researching the markets for us and staying in constant communication helped us feel much more comfortable even when we were not here to close the transaction in person. Thank you for being you, we appreciate your help so much and would gladly recommend your services to others!". Philippe
"I have worked Susan in he past and will continue to use her expertise in the future.
Anyone who needs her expert back ground encompassing through and through local knowledge with responsive service and a personality to match can not go wrong in dealing with Susan and her skills.
Her updates and information concerning buying and selling through her periodic writings on the real estate environments have kept me informed and educated on the market. She's a professional that cares about you and your concerns." Jerry
"Susan is an amazing real estate agent. She has a keen sense in finding the perfect home for anyone. She is patient, reliable and knowledgable in the real estate market. She is someone you can trust; always keeping her clients best in mind. I would recommend her to anyone looking to purchase or sell a home." Adriana
"Susan Schweiker was my sales agent in 2006. she had been a neighbor so I slightly knew her and of her being a "good" neighbor. Since the market was beginning a free fall in sales, it took awhile to finally sell my home. However, during the sales time, Susan put a lot of effort in providing open houses, communicating with other real estate agents from other Real Estate companies, and communicating with me. It was important to me to feel like I was in the loop of what was happening in the real estate market. Susan helped me to understand the negotiating process better during escrow and was most effective when the buyer's agent became difficult with last minute demands. Susan was able to make the sale final with the buyer happy as well as myself and with an apology for the other sales agent no less! Susan will be there for you!" Happy customer, Serina
"Susan helped me with the sale of my San Diego home. I lived on the East Coast at the time and relied heavily on Susan's extensive knowledge of the San Diego housing market and her professional network to guide me thru the entire process. She answered all my calls in a timely fashion and connected me with an appraiser and escrow service agent that were equally responsive to my needs. I highly recommend Susan, especially for those requiring long distance services!" Tony
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Local market and real estate in including Carlsbad and North San Diego County, San Diego, South Orange County.
A Pre-Qual or Preapproval letter is required to submit an offer to purchase along with verification of funds.
http://www.sandiegouniontribune.com/news/2015/aug/26/utility-customers-could-save/ nav-storie
The real-estate blog Movoto says San Diego is home to one of the nation's top zip codes. That zip code, 92121, is shown partially in this aerial image. — John Gastaldo
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The costs of housing continued to rise in San Diego in the first half of 2015 both for renters and for owners.
The prices are outpacing wage growth, a trend that analysts say is only going to continue so long as the region sees its supply of housing remain tight. Mark Goldman, a loan officer and real-estate lecturer at San Diego State University, said home prices are appreciating faster than he expected.
"In the last year we've seen more and more positive news about the economy, and that could help to support the market," he said.
Rents rose as the county continued to see high wage job growth, with developers responding with a new supply of high-end units.
Here's a by the numbers look at San Diego County's housing market for the first half of 2015:
$455,000: The median price for all homes sold in San Diego County in the first six months of 2015, up 5.8 percent from a year ago, CoreLogic reports. It's the highest midyear median since it was $488,000 in 2007.
$1,575: The average rent in San Diego County in March, up 9 percent from the $1,445 average in 2014, according to Marketpointe Realty Advisors.
3,443: The average number of home sales per month, up 8.7 percent over 2014, CoreLogic reports. That average got a boost in June, when 4,467 properties changed hands. That was the most transactions in a month since June 2006.
6,335: The average number of active listings per month from January to June, a 2.9 percent drop from last year, according to the San Diego Association of Realtors. Given the number of home sales per month, that level of inventory represents less than two months of a supply. Most analysts consider six months of supply to be healthy.
3.77 percent: The average rate during the first six months of the year for a 30-year-fixed mortgage, according to Freddie Mac. That's down from 4.29 percent in the first six months of last year. There has been speculation that the Federal Reserve open market committee will raise a key interest rate later this year, which would push up mortgage rates. However, rates most recently dropped as turmoil continued in Greece.
4.1: Percent of real-estate owned sales (similar to foreclosure resales) in San Diego County, down from 4.9 percent in 2014, CoreLogic reports. From winter 2008 to spring 2009, real-estate owned sales made up about half of all home sales in San Diego County.
24.3: Percent of cash buyers in San Diego County, down from 28.6 percent in the first half of 2014, according to CoreLogic.
34.1: Percent of monthly income San Diego County homeowners can expect to pay toward their mortgage, a bit above the 32.8 percent historic average, Zillow reports.
43.7: Percent of monthly income San Diego County renters can expect to pay on rent, above the historic 33.9 percent, according to Zillow.
$3,010: Minimum monthly rent for a one bedroom apartment at Strata, in the East Village, one of San Diego's most expensive buildings.
$10,647: The amount a homeowner in San Diego pays per year in homeownership and maintenance expenses, according to Zillow and Thumbtack. The costs include property taxes and insurance, plus maintenance costs like hiring for yard care and carpet cleaning. Nationwide, the average cost was $9,477, says the study released in June.
$14.3 million: Price of the most expensive home sold in the first half of 2015, on Camino de la Costa in La Jolla, public records show.
$11.78 billion: The dollar amount in home sales in San Diego County in the first half of 2015, up 13.2 percent from $10.4 billion in the same period last year, CoreLogic reports.
The spring housing market is about to get into full swing. And while agents may be fully aware of the state of this year's emerging housing market, your clients may not be. It's your job to get your sellers up to speed with what the home selling season will bring.
Here are 6 market insights to share with your current or prospective clients that will give a head start when it comes to a successful sale this spring!
Plus! Download all this great information in this helpful handout for sellers and use it in your marketing and to help inform your clients and leads!
The winter home selling season was crippled by the polar vortex, especially in the east and northeast, so there's pent-up demand from buyers who've been waiting for better weather to brave the house hunt. Mortgage rates are still at historic lows, so buyers ARE poised to buy and ready to hit the streets.
Sixty percent of all homes in 2014 will be bought and sold from May to August. Sellers who put their home on the market at the beginning of the selling season will up their chances of snagging a winning offer before buyers turn their attention back to school starting in September.
Many metros in the country have seen double-digit price increases in the past year. But this last quarter, prices started to slow nationally – and pricing is a critical component to getting a house sold. With this fluctuating market, sellers need to look at comps of similar homes in their area and rely on the expertise of their agent. Plus, remember, recency matters: sellers should look back no more than 60 days and depend on your agent to help you set the price appropriately. The sale price of homes that sold recently paints a much better picture of what to expect than the price of homes that sold six months ago (or of homes that have yet to sell).
Bidding wars were common in the summer of 2013, but we're hearing less about them right now. Sellers can't bank on fielding two or three offers at once. There is, however, a good chance that sellers will still get the one that will be a win/win for both the homeowners and the buyer.
Trying to get a jump on the competition? Right now we're on the cusp of prime selling and buying season, and sellers who list soon, will have less competition than those who put their house on the market in May or June, when more homes will flood the market. Since it's still early, every home can have its 'moment in the spotlight' more than it will when inventory increases – and the buyers who are braving the cold to house shop are clearly motivated.
In this new mobile era, a huge percentage of buyers use smart phones (and Trulia's top-rated consumer apps) to start their home search online. And that percentage is expected to rise this year as more buyers take advantage of easy access to the wealth of information online. Get in on this trend by making sure the home pops on those computer screens. Great homes with mediocre quality photos will be quickly discarded and ultimately get less showings. Sellers should heed the advice of their agent and take the time to beef up their online listing so the quality of the home jumps off the screen and gets buyers' attention.
This post was originally written by Michael Corbett, Trulia's real estate and lifestyle expert. He hosts NBC's EXTRA's Mansions and Millionaires. In additional to his regular segments on ABC's The View and Fox News, he is a national best selling author with three critically acclaimed real estate books: Find It, Fix It, FLIP IT!; Ready, Set, SOLD! and Before You BUY!
Freddie Mac economists are bullish on housing.
"This month kicks off spring home buying season," says Len Kiefer, deputy chief economist at Freddie Mac. "Between now and the end of June, we'll see about 40 percent of all home sales for the year."
Spring Housing Market Outlook
REALTORS® More Confident for the Spring
Homebuilders Remain Cautiously Confident
Spring Housing Market Outlook
REALTORS® More Confident for the Spring
Homebuilders Remain Cautiously Confident
It's that optimism that has Freddie Mac forecasters expecting 2015 "to be the best year for home sales and new home construction since 2007, when total home sales were about 5.8 million for the year," according to their U.S. Economic and Housing Market Outlook for March.
An improving job market is driving young professionals, ages 25 to 34, back to the labor force. The millennial age group now has 76.8 percent of its generation employed, as of last month, up from 75.9 percent last year.
Freddie Mac economists predict that rents will continue to rise at or above inflation this year, which will likely push more prospective buyers into home ownership. Rents rose 3.6 percent, on average, in 2014, and are up nearly 11 percent over the last three years, according to Freddie Mac's report.
Meanwhile, Freddie Mac economists expect that the 30-year fixed-rate mortgage to rise slightly this year to a 4 percent average. The 30-year fixed-rate mortgage averaged 3.86 percent this week.
Source: "Freddie Mac March 2015 U.S. Economic and Housing Market Outlook," Freddie Mac (March 11, 2015)
Experience is key in negotiating you the best deal and helping to guide you through the process.
In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised.
Beat other home buyers to the hottest new homes for sale in Carlsbad and All of North San Diego County and South Orange County with my New Listings Notification.
If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation.
All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again.
Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®.
But if you're still not convinced of the value of a REALTOR®, here are a dozen more reasons to use one:
1. Your REALTOR® can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity. If you give a REALTOR® some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices.
2. Your REALTOR® has many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties.
3. Your REALTOR® can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?
4. Your REALTOR® can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.
5. Your REALTOR® provides due diligence during the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your REALTOR® can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your REALTOR®, title company or attorney can help you resolve issues that might cause problems at a later date.
6. Your REALTOR® can help you in understanding different financing options and in identifying qualified lenders.
7. Your REALTOR® can guide you through the closing process and make sure everything flows together smoothly.
8. When selling your home, your REALTOR® can give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle.
9. Your REALTOR® markets your property to other real estate agents and the public. Often, your REALTOR® can recommend repairs or cosmetic work that will significantly enhance the salability of your property. Your REALTOR® markets your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your REALTOR® acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients.
10. Your REALTOR® will know when, where and how to advertise your property. There is a misconception that advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. When a property is marketed with the help of your REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.
11. Your REALTOR® can help you objectively evaluate every buyer's proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. Your REALTOR® can help you write a legally binding, win-win agreement that will be more likely to make it through the process.
12. Your REALTOR® can help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your REALTOR® is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement).
Southland December Home Sales at Six-Year Low;
Median Price Jumps
7 Warnings Your Buyers Need to Hear
Assumptions can be deadly, whether literally or to the pocketbook. While a real estate agent operating under the assumption that his or her client knows everything needed for a smooth transaction isn't a life or death scenario, it is most definitely a sure path to a waste of time at best and a dereliction of duty at worst.
Do yourself and your clients a favor and figure out what they are most typically unaware of and then offer explanations during the initial meeting. Here are some of the most common things that buyers haven't a clue about and smart ways to bring them up to speed.
Versta Research (for a survey commissioned by Discover Financial Services) surveyed homebuyers last summer and 71 percent of them agreed with the statement "I've just started reviewing ideas, looking at homes, and exploring my options." Only 22 percent of them had seen a lender.
So, most of them are just starting the process and the first step they took was to look at homes. Now, since 60 percent of them weren't working with an agent at the time they were surveyed, it's understandable they'd be going about it all wrong.
But, this wasn't the first home-buying rodeo for more than half of the respondents, meaning more than half most likely worked with an agent in the past.
A good buyers' agent understands the value of determining whether or not a potential client has visited a lender. A better one makes abundantly clear the ramifications of NOT seeing one — so clear, in fact, that by the time they're buying their next home they remember.
Knowing how much they can spend is paramount, both in avoiding wasting your time and theirs. Then, there's the fact that sellers want to see a preapproval letter. The one thing many agents don't warn their clients about, however, is the danger of disappointment should the unapproved shop for homes, clueless about how much they can afford to spend or even IF they can get a loan.
Experienced agents know well the couple that fell in love with a house they found open on a Sunday afternoon only to learn later that it was way out of their price range. Nothing you show them after that will stack up.
In the aforementioned study only 41 percent of buyers had taken the time to figure out what they'd need for a down payment.
So, although it's a given that agents should counsel their buyers that they need to see a lender before looking at homes, they also need to warn their clients about the out-of-pocket costs involved in the purchase of one.
Another warning that too many buyers don't receive is about changes in their circumstances before they close. Sure, this should come from their lender, but it seldom does.
Remind your clients that it's not a done deal until it closes. Changing jobs, making large purchases on credit and allowing credit inquiries after loan approval have all proven detrimental to many buyers. The lender's soft pull just before closing should be explained fully to your buyers.
This is the fun part of the process for your buyer but it's actually a time saver for you. Sure, wish lists aren't set in stone and we all know how quickly and drastically they can change. But, with your assistance, your buyers can create extremely helpful lists.
The best wish list is based not on their dreams, but on their fears. Find out what they despise about their current living conditions and, along with whatever other reason they have for moving, these items are good indications of why they want to move and what they truly want.
We've all had that buyer that can't seem to look beyond ugly wallpaper, ratty carpets and even something as simple as dirty dishes in the sink. Before stepping foot in even one house, warn your clients that what they see may not necessarily be what they have to live with for the rest of the time they own the home.
On the other hand, you may want to warn them that what they see may not necessarily be what they get—especially if what they're seeing is a model home. Staging adds the "wow factor" relatively inexpensively for the seller but at additional cost to the buyer. Caution to look beyond the sexy staging to the bones of the home.
Ah, the HOA document package—at least a week's worth of boring reading for people that aren't prepared or qualified to read the legal jargon.
It's all too easy for your clients to skim the docs or, worse yet, give up reading the minute the reading gets tough. As you know, what's in those documents is information vital to both their budgets and their future comfort in their new home.
Their best bet is to pay an attorney to read everything and then explain, in plain English, the pertinent information. Counsel your clients to not sign anything until they fully understand the HOA documents. If they still insist on not reading them, or having an attorney read them, at least you've done your duty.
Most experienced agents are familiar with the buyer who feels that they have to bargain with the seller. Every home they make an offer on is yet another chance to lay on the "el regateo" like they're in a bazaar, wheeling and dealing over a tschotske.
If you've explained current market conditions to your buyer, explain as well how these conditions impact their offer on a home. In other words, tell your clients not to lowball in a hot seller's market, forget asking for too much in concessions and be willing to give a little bit.
The flip side should be explained as well— no matter how bad they want the house, if they're in the driver's seat (in a buyer's market) they needs to slow down and avoid giving money away.
How about those humongous home inspection photos that make even the tiniest problem look massive? They're enough to disturb even the most level-headed buyer.
Before the home inspection takes place is the ideal time to sit down with your buyer and explain the process. Let your clients know that the inspector is being paid to be nit-picky and, thus, the report may be quite lengthy and the photos may be frightening and misleading.
This simple explanation may just keep them from freaking out over the overly large photo of a wall plate-less electrical outlet. By the same token, let them know that many larger problems can be dealt with through negotiations with the seller.
Working with buyers is one of the more challenging aspects of being an agent, but it doesn't have to be. Make it a point to have the right conversations at the outset. These discussions do more than ease your clients' concerns; they pave the way to a smoother transaction. That's good for all concerned.
Southern California home sales fell to a six-year low for the month of December as investor activity eased again and buyers struggled with a tight inventory of homes for sale. The median price paid for a home jumped to the highest level in nearly six years, the result of demand outstripping supply, declining distress sales and a slight increase in the share of sales in mid- to high-end areas, a real estate information service reported.
A total of 18,415 new and resale houses and condos sold in Los Angeles, Riverside, San Diego, Ventura, San Bernardino and Orange counties last month. That was up 6.5 percent from 17,283 sales in November, and down 9.2 percent from 20,274 sales in December 2012, according to San Diego-based DataQuick.
December's sales gain from November is normal for the season, though it was weaker than usual. On average, sales have increased 12.4 percent between November and December since 1988, when DataQuick's statistics begin.
Last month's sales were 24.1 percent below the average number of sales – 24,254 – in the month of December. Southland sales haven't been above average for any particular month in more than seven years. December sales have ranged from a low of 13,240 in December 2007 to high of 36,865 in December 2003.
"Sales have fallen short of the same period a year earlier for three consecutive months now, and the pitifully low inventory is the main culprit. The jump in home values over the last year suggests we'll eventually see a lot more people interested in selling their homes, which would help ease the inventory crunch. More supply would put downward pressure on prices, as would rising mortgage rates. But there are reasons to believe we'll continue to see upward pressure on prices, too. Home building has risen but remains at relatively low levels, meaning no major boost to the overall supply of homes for sale. Meanwhile, demand is being fueled by a gradually improving economy. Also, some of the people who lost homes during the foreclosure crisis will be looking to own again," said John Walsh, DataQuick president.
The median price paid for all new and resale houses and condos sold in the six-county region last month rose to $395,000 – the peak for 2013 and the highest for any month since the median was $408,000 in February 2008. Last month's median was up 2.6 percent from $385,000 in November and up 22.3 percent from $323,000 in December 2012. Until last month the median had more or less moved sideways – ranging from $382,000 to $385,000 – since last June.
The median sale price has risen on a year-over-year basis for 21 consecutive months. Those gains have been double-digit – between 10.8 percent and 28.3 percent – over the past 17 months.
The December median stood 21.8 percent below the peak $505,000 median in spring/summer 2007.
It appears most of last month's 22.3 percent year-over-year increase in the Southland median sale price reflects rising home prices, while a small portion reflects a change in market mix. This mix change consists of a significant increase in mid- to high-end sales over the last year and a big decline in sales of lower-cost distressed properties.
In December, the lowest-cost third of the region's housing stock saw a 21.9 percent year-over-year rise in the median price paid per square foot for resale houses. The annual gain was 19.7 percent for the middle third of the market and 12.7 percent for the top, most-expensive third.
Home sales in many middle and up-market areas continued to post year-over-year gains, while more affordable markets generally saw activity drop.
Last month the number of homes sold from $300,000 through $799,999 – a range that includes many move-up buyers – rose 1.7 percent year-over-year. The number that sold for $500,000 or more increased 11.9 percent from one year earlier, while $800,000-plus sales rose 5.8 percent.
In December, 34.5 percent of all Southland home sales were for $500,000 or more, up from a revised 32.7 percent the month before and 26.0 percent a year earlier.
The number of Southland homes sold below $200,000 last month dropped 45.6 percent year-over-year, while sales below $300,000 fell 38.0 percent. Low-end deals have fallen largely because of an inadequate supply of homes for sale. Many owners still can't afford to sell their homes because they owe more than they are worth, and lenders aren't foreclosing on as many properties, further limiting supply.
Foreclosure resales – homes foreclosed on in the prior 12 months – accounted for 5.8 percent of the Southland resale market in December. That was down from 6.3 percent the prior month and was down from 14.2 percent a year earlier. Last month's foreclosure resale rate was the lowest since it was 5.4 percent in May 2007. In the current cycle, foreclosure resales hit a high of 56.7 percent in February 2009.
Short sales – transactions where the sale price fell short of what was owed on the property – made up an estimated 13.2 percent of Southland resales last month. That was up slightly from 12.8 percent the prior month and down from 26.7 percent a year earlier.
Absentee buyers – mostly investors and some second-home purchasers – bought 26.1 percent of the Southland homes sold last month. That's the lowest share for any month since it was 25.1 percent in November 2011. Last month's absentee level was down from a revised 27.1 percent the month before and down from 28.7 percent a year earlier. The absentee share has trended lower almost every month this year since hitting a record 32.4 percent this January. The monthly average since 2000, when the absentee data begin, is 18.5 percent.
Last month's absentee buyers paid a median $323,250, up 1.0 percent from the month before and up 24.3 percent year-over-year.
In December 5.8 percent of all Southland homes sold on the open market were flipped, meaning they had previously sold in the prior six months. That's up from a flipping rate of 5.7 percent the month before and up from 5.5 percent a year earlier. Flipping peaked at 7.0 percent last February. (The figures exclude homes resold after being purchased at public foreclosure auction sales on the courthouse steps).
Buyers paying cash in December accounted for 27.7 percent of home sales, down from 28.0 percent the month before and down from 35.8 percent a year earlier. The cash share of purchases has trended sideways or lower each month since hitting an all-time peak of 36.9 percent last February. In December the cash share was at its lowest level since it was 26.2 percent in September 2010. Since 1988 the monthly average for cash buyers is 16.4 percent of all sales. Cash buyers paid a median $351,500 last month, up 1.0 percent month-to-month and up 29.9 percent from a year earlier.
In December Southern California home buyers forked over a total of $3.99 billion of their own money in the form of down payments or cash purchases. That was up from a $3.78 billion in November and down from $4.51 billion a year ago. The out-of-pocket total peaked last May at $5.41 billion.
Credit conditions don't seem to have changed much month-to-month but the difference from a year earlier is significant.
In December, 12.9 percent of Southland home purchase loans were adjustable-rate mortgages (ARMs) – double the ARM rate of a year earlier. Last month's figure was up from 11.3 percent the month before and up from 6.2 percent a year earlier. Since 2000, a monthly average of about 31 percent of Southland purchase loans have been ARMs.
Jumbo loans, mortgages above the old conforming limit of $417,000, accounted for 28.4 percent of last month's Southland purchase lending. That was up from 27.9 percent the prior month and up from 22.8 percent a year earlier. In the months leading up to the credit crunch that struck in August 2007, jumbos accounted for around 40 percent of the home loan market.
All lenders combined provided a total of $5.29 billion in mortgage money to Southern California home buyers in December, up from $4.93 billion in November and up from $3.62 billion in December last year.
The most active lenders to Southern California home buyers last month were Wells Fargo with 7.7 percent of the total home purchase loan market, Bank of America with 2.7 percent and IMortgage with 2.2 percent.
Government-insured FHA loans, a popular low-down-payment choice among first-time buyers, accounted for 19.6 percent of all purchase mortgages last month. That was down from 20.3 percent the month before and down from 23.1 percent a year earlier. In recent months the FHA share has been the lowest since early 2008, mainly because of tighter FHA qualifying standards and the difficulties first-time buyers have competing with investors and cash buyers.
DataQuick monitors real estate activity nationwide and provides information to consumers, educational institutions, public agencies, lending institutions, title companies and industry analysts.
The typical monthly mortgage payment Southland buyers committed themselves to paying last month was $1,594, up from $1,517 the month before and up from $1,139 a year earlier. Adjusted for inflation, last month's typical payment was 33.3 percent below the typical payment in the spring of 1989, the peak of the prior real estate cycle. It was 45.4 percent below the current cycle's peak in July 2007.
Indicators of market distress continue to decline. Foreclosure activity remains well below year-ago and far below peak levels. Financing with multiple mortgages is very low, and down payment sizes are stable, DataQuick reported.
The FHA has their own guidelines for loans they will accept and may be your best bet. Keep in mind that FHA is not a bank; it's a government agency that insures loans from FHA approved lenders. While the FHA will have its rules, that change, a bank will also have its own rules as well. Most banks today are only willing to finance FHA loans with credit scores of 640 and above. The FHA however will allow loans with credit scores as low as 540 with 20% down. Additional requirements are as follows:
• Two Years of steady employment, preferably with same employer. Last two years Income should be the same or increasing.
• Credit report should typically have less than two thirty day late payments in last two years with a minimum credit score of 640 or higher…
• Bankruptcies must be at least two years old, with perfect credit since discharge.
• Foreclosures and Short Sales must be at least three years old, with perfect credit since.
• Your new mortgage payment should be no more than 40% of your gross (before taxes) income.
• You will need a minimum down payment of 3.5% of the purchase price. The down payment can be a gift.
• Social Security Card–many people don't know where their card is. You will need it.
Conventional loans are typically for borrowers with 10-20% to put down and good credit scores. Most lenders in today's market require a middle credit score of 660 or better to qualify for a conventional loan. To get your best deal you will need a credit score of at least 720. Since conventional loans are approved through underwriting engines created by Freddie Mac and Fannie Mae, the higher your credit scores are the better rate you will get. Conventional loans currently require a minimum of 5% down.
Interview mortgage brokers and obtain recommendations from them to find the loan that works best for you. Your new mortgage broker will then be able to show you an entire suite of loan options and pre-qualify you for a home that you can afford with your income. In the mean time work with your broker on improving your credit score. You'd be surprised how much improvement you can make in a year or so.
I am committed to finding the right buyer for your home.
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I have developed a comprehensive and effective marketing plan.
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A good time to check out Southern CA Real Estate!
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SUMMARY: Professional Real Estate Sales and Client Service experience with an emphasis on client satisfaction and repeat business in San Diego Coastal and North San Diego County, South Orange County, as well as South Riverside County. Excellent ability to sell homes with excellent service and exceptional communication skills, both verbal and written, I truly enjoy working with people and showing homes!
Windemere Homes & Estates, Carlsbad, CA We have a community of over 7,000 sales professionals and 300 offices that specialize in everything from starter homes to condos, luxury properties, and new construction. We also have agents who have a deep understanding of property management, commercial real estate, senior living, military housing, and relocation services. So whatever your needs are, the goal is to make your real estate experience uncommonly rewarding.
Real Living Lifestyles, Carlsbad, CA, Real Living Real Estate is a national real estate company with relocation services. Professional Sales experience in Residential Real Estate, previously with Century 21, Beach and Inland, Realty World Fine Homes and Estates, a Top Producer. I have sold to many investors and builders. As well as helping many buy their dream homes, I have many references and worked with buyers and sellers, from lot and land to residential and income property.
Ability to assimilate and comprehend a great deal of technical and non-technical - full range of knowledge for information and expertise.
25+ years of Living in Southern California and area knowledge for updates!
Extremely comfortable and adept at negotiations and communications between Buyers and Sellers, agents. Knowledge of the local market.
I approach work with a constant sense of urgency and accountability, making your decisions and choices easier.
I am connected in the local and national level with a Network of Professional Associates in the Industry and with colleagues through the Boards of Realtors and professional affiliations.
Windemere Homes & Estates, Carlsbad, CA Realtor 2013 - present
Windermere agents know what it takes to get the job done right. We think you'll find that we are a collection of knowledgeable, passionate, committed people who truly believe in building vibrant and livable communities. We are relentless in the pursuit of helping our clients realize their dreams, so that at the end of the day, you can emerge with a house you're proud to call home, and the confidence that you made the right decision.
Sales Associate, Consultant, Realtor 2012-2013 The fastest growing and voted best Real Estate Office in San Diego, with 8 North County offices including Rancho Santa Fe and Del Mar up to Carlsbad, we have integrated services and a high standard of professional service to our clients to make it a smooth and easy process whether buying or selling!
Century 21 Beach and Inland Real Estate, and Realty World, Fine Homes & Estates, Carlsbad , CA Sales Associate, Realtor
2002 2012
Sale of residential and land specializing in repeat business and continual referrals from former satisfied clients. Producer: Increased Sales and investor portfolio with current trends and opportunities. Met with clients and prospects, agents and investors to determine their Objectives and Strategies. Prioritized the efforts of Sales according to industry trends in the market. Facilitated the sales process to bring in business and generate sales for satisfied clients. Negotiated and established terms of contract agreements with clients. Satisfaction based on open and honest Business communications, including regular meetings and consultation, follow through. Developed repeat business and continually received referrals and endorsements from Clients and past Customers to increase Sales and develop future Sales.
Marketing and Computer Graphics for Software Companies - Marketing and graphics for web, IT and many contract assignments and efforts for an active Consulting business including many top industry leaders and companies in the area. Interfaced frequently with Clients and Business to determine Contract details, Deliver Quality Solutions and Increase revenue by providing a high level of Customer Satisfaction, on creative and technical projects. Communicated with Heads of Companies to negotiate Technology, meet their expectations and ascertain additional needs with additional services within the Company. Closed business by maintaining excellent lines of Communication between Decision Makers and providing quality work, as a consultant and employee.
Education : University of Pennsylvania , Wharton School of Business, Management of Technology Graduate School , UCSD Web Publishing, University of AZ , B.S., Interior Design
I have had a successful career in Computer Graphics, Marketing and Illustration, Publishing, as well as Corporate work for many top companies. My career in Real Estate, Living in San Diego and South Orange Counties for over 20 years, and extensive knowledge in the area and its market, give me the opportunity to invest and help my clients.
I like sailing and the coastal lifestyle which is perfect here in southern CA - to be to able to enjoy the beach, water, beautiful coast and the sunshine! And of course, the people!
Call me to see the possibilities for your real estate investment in Southern California !
Homeowners should be aware of these tax breaks that they may be eligible to receive.
Mortgage interest: Homeowners are generally entitled to reduce their taxable income by the amount of mortgage interest they pay, as long as they itemize deductions on their tax returns.
Private mortgage insurance: Homeowners who are paying PMI likely will be able to fully deduct the amount, as long as their adjusted gross income is $100,000 or less ($50,000 for married taxpayers filing separately). Borrowers with incomes above $100,000 may qualify for a partial deduction.
Energy-efficient home improvements: If windows, doors, or skylights that meet the requirements of the federal Energy Star program were installed in 2011, homeowners can get a tax credit equal to 10 percent of the product's costs.
Points: The charges a borrower paid in points to get a mortgage are generally deductible if it was a first mortgage on the property. In the case of a refinance loan, all or some of the point charges might be deductible, but it gets complicated.
Property taxes: The amount paid in property taxes is deductible as long as it is based on the assessed value of the property. If the mortgage company collects money for property taxes, the amount actually paid should be on the 1098 form lenders send out each January.
10-year Treasury Note near historic lows
The weekly 10-year Treasury Note (T-Note) rate over the past year. This rate is set by bond market expectations for the future economy. The lower the note rate, the less confidence investors have in the global economy.
At the end of July, the 10-year T-Note was 1.57%. The historic low experienced earlier in July was near 1.3%. Low rates are a result of investor uncertainty in the global market. When fears of a "Brexit" from the European Union were realized, investors flooded into the U.S. market seeking safety in our 10-year T-Note. The rate tumbled as they bid for bonds.
The good news for real estate: the fixed rate mortgage (FRM) rate is tied to the 10-year T-Note. As long as the 10-year T-Note rate remains low, FRM rates will remain similarly low. Expect both the 10-year T-Note and FRM rates to stay near their current low rates well into 2017 and possibly beyond.
Soft yield spread pulses economic uncertainty
The difference between the 10-year Treasury Note (T-Note), set by bond market activity, and the short-term borrowing rate set by the Federal Reserve (the Fed). This is called the yield spread, and reliably forecasts the possibility of an economic recession one year forward.
Last month's yield spread of 1.37 was the lowest spread since January 2008, after the spread rebounded from the negative figures experienced in 2006-2007. When the spread dips below 1 (the green line on the chart), a recession is likely in the coming year. When it dips below zero (the orange line), as it last did to signal the 2008 Great Recession, a recession is imminent.
Today's declining yield spread indicates uncertainty from investors and the Fed's inability to respond. Economic growth will be sluggish well into 2017, but a recession is still unlikely.
Low savings need to rise
The U.S. personal savings rate as a percentage of disposable income. Savings were highest in the 1970s and 1980s, when 10%-12% saving rates were normal. Savings declined in the following decades as deregulated mortgage lending set in, briefly bouncing back during the Great Recession.
In the first quarter (Q1) of 2016, consumers saved on average 5.7% of their income, up from the 5.2% savings rate the year before.
Still, savings need to rise further for the next generation of first-time homebuyers to accumulate the cash needed for a risk-reduced down payment. Otherwise, expensive low down payment mortgages will become the norm yet again, an ominous trend first tuesday readers already report taking shape in 2016.
San Diego housing indicators
"A full recovery of jobs lost in the recession took place in 2014. However, with the intervening population gains, jobs won't reach a complete recovery until around 2018. At that time, home sales volume will take off, reaching its cyclical peak around 2020-2021"
San Diego County continues its steady recovery from the 2008 recession and financial crisis. Jobs and per capita income are recovering quickly — a good sign for San Diego's housing market. In San Diego, as in other regions, the strength of home sales volume depends on a complete jobs recovery.
Residential construction continues to falter these past two years. Thus far, multi-family construction has experienced a quicker recovery than single family residential (SFR) construction. Expect the demand shift from SFRs to rentals to continue, injecting growth into multi-family construction in upcoming years, peaking around 2019-2020. Vacancy rates will then increase, as turnover tenants will increasingly go for homeownership.
View the charts below for current activity and forecasts for the San Diego housing market.
Updated June 27, 2016. Original copy posted March, 2013.
Chart update 06/27/16
*first tuesday's projection is based on monthly sales volume trends, as experienced so far this year.
San Diego County's home sales volume ended 2014 6% below a year earlier. While disappointing, this is slightly better than the 7% drop in volume experienced statewide. This drop follows the generally flat sales volume trend in San Diego County since early 2010. However, 2015 sales volume ended up nearly 12% higher than 2014. This boost in partly due to lower mortgage rates in 2015 and to the area's relatively swift jobs recovery.
Despite this, sales volume is not expected to increase significantly until end users return to the market, which is now beginning in San Diego but has yet to reach its full potential. Expect sales volume to continue at its present strong pace through 2016, only to slowdown in 2017 following the forthcoming increase in mortgage rates.
A full recovery of jobs lost in the recession took place in 2014. However, with the intervening population gains, jobs won't reach a complete recovery until around 2018. At that time, home sales volume will take off, reaching its cyclical peak around 2020-2021.
Chart update 12/11/15
San Diego County renter turnover rate
The percentage of San Diego County homeowners and renters moving in 2014 rose slightly over 2013. This trend is the opposite in most parts of the state, which demonstrates San Diego is farther along the path to a complete housing recovery. However, turnover rates for both owners and renters remain well below pre-recession levels.
Lower turnover rates are indicative of cash-strapped households that simply cannot afford to move, whether they are homeowners or renters. When turnover is low, home sales volume is hindered.
The turnover rate in San Diego County has not suffered as much compared to the rest of Southern California. This is partly due to a better jobs outlook and San Diego's large military population, which traditionally experiences high turnover. Agents can gain an "in" with this population by familiarizing themselves with the various benefits available to military renters and homeowners such as Veteran's Administration (VA)-guaranteed and CalVet mortgages, then advertising themselves as experts.
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Servicers must assist underwater military members to relocate
Foreclosure of service members' property prohibited during nine months after service
San Diego County's homeownership rate has followed the general statewide and national trend of decline in the years following the Millennium Boom. It peaked at 63% in 2006 for San Diego County, finding a low of 52% in 2010. 2014 saw a surprising jump in homeownership in San Diego County, peaking at 57.5% mid-2014. However, it most recently fell back to below 51% in Q1 2016.
The homeownership rate in San Diego County has historically been comparable to the rest of the state, though has recently fallen well below the state average of 54%. However, it's unlikely the trend will continue. With elevated home prices and the imminent rise in mortgage rates late in 2016, the homeownership rate won't rise significantly until homebuyers return in larger numbers around 2019-2021.
Chart update 06/26/16
The price of low-tier housing in San Diego County skyrocketed after the latter half of 2012, peaking in Q3 2014 and leveling off after. 2015 experienced another, more moderate price increase. This is likely due to the boost given by decreased mortgage rates throughout 2015.
Lower mortgage rates free up more of a buyer's monthly mortgage payment to put towards a bigger principal. Thus, San Diego's high home prices continue to find fuel — not from speculators as in 2012-2014 — but from increased buyer purchasing power.
Expect home sales volume to fall off after mortgage rates begin to rise in late-2016. Prices will descend 9-12 months later, likely around the second half of 2017.
San Diego County multi-family starts
Residential construction starts began to show signs of life in San Diego County in 2013, but the rise waned throughout 2014, only to pick up again in 2015. Thus far the recovery has been concentrated in multi-family starts, due to the increased demand for rental housing experienced during this recovery. Fueling this increased rental demand are:
Today, the general trend for single family residence (SFR) construction starts in San Diego County is up, but still far below 2002-2004 numbers. The next peak in SFR construction starts will likely occur around 2020. Even then, SFR construction starts are highly unlikely to return to the frenzied mortgage-driven numbers seen during the Millennium Boom.
Before end users can provide sufficient support for the housing recovery, they will need to acquire income in the form of jobs and wage increases. San Diego continues to outpace the state's jobs recovery, which is clearly good news for San Diego's housing industry.
The number of individuals employed in San Diego County in the second half of 2015 saw a rapid increase from one year earlier. Unlike much of the state, San Diego has far surpassed the level of jobs held prior to the 2008 recession. However, with the working-aged population increase of roughly 250,000 individuals in San Diego County since 2007, the real jobs recovery which will bring on mass wage increases isn't expected until around 2018. Home prices will follow that increase.
Goods Producing
Chart update 06/27/16
The largest employing industry in San Diego County, Professional and Business Services, has nearly returned to pre-recession levels. Meanwhile, San Diego's third biggest industry, the Goods-Producing sector, has moved only a negligible amount toward recovery since the recession ended in 2009.
In the housing industry, construction jobs took a huge hit and have just barely started the recovery process. Likewise, the number of employed real estate professionals has remained low throughout this recovery and will not likely increase until the next confluence of buyers and renters (members of the Generation Y and Baby Boomer generations) converge and enter the market around 2019-2021.
The average per capita income in San Diego County is $51,459 as of 2014, the most recently reported Census year. This shows an average increase in income of 3.1% over 2013. Income took a hit in San Diego during the recession, and it took three years for income to finally catch up to 2008 levels.
After factoring in an additional 8%-9% increase in income needed just to cover eight years of interim inflation, homebuyers in 2014 had only slightly higher purchasing power to buy a home or rent as they did in 2008 – all else remaining unchanged. Per capita income in San Diego County remains slightly higher than the state average, and exceeds levels in the inland valleys by over 50%.
As long as income remains diminished across most job sectors, home prices and the price of rents are limited. This is due to the reality that buyer occupants ultimately determine selling prices in this economic environment — buyers can only pay as much for a home as their savings and income qualify them to pay — nothing more, unless lenders and landlords want to take on more risky, less qualified individuals. The same fundamental truth is also applicable to tenants' capacity to pay, which ultimately works to set the ceiling on rental amounts.
Expect per capita income to rise with increases in job numbers. When considering the jobs needed to cover population growth of one percent per annum in the years since 2007, it will take until 2019 for employment numbers and income to again drive demand for significant additional new housing.


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The Weeknd's Spring Icons Campaign for H&M Revealed
The ad campaign was shot by Federico Pestilli and a campaign video was shot by Keith Kandell.
– 1h
Luella Bartley Named Head of Global Design for Calvin Klein Jeans
She will oversee design of all Calvin Klein Jeans product globally to achieve one cohesive vision for the brand.
– 9h
Everything You Need to Know About Charlize Theron's Incredible Oscar Earrings
The actress was dripping in diamond Chopard jewels.
– 12h
Why Janelle Monáe Chose a Gown Over a Suit for the Oscars
"It was just sort of a moment where we saw her in the dress, and, I mean, I literally cried," her stylist Maeve Reilly says.
– 13h
Michael Kors Reprises 'The Walk' Street-Style Handbag Campaign
Once again, the ads were photographed by street-style chronicler Tommy Ton, this time in Los Angeles.
– February 26, 2017
Another Brick-And-Mortar Retailer To Disappear
Retailers of athletic wear under siege.
– February 25, 2017
Eco-Chic Lodging in Brooklyn: 1 Hotels Expands to Brooklyn Bridge Park
The nature-driven boutique hotel line opens its third location, which blends in aerially with the park.
– February 25, 2017
New York Fashion Week: They Are…
Aside from all the chitchat and social snaps, here's what really went on this New York Fashion Week from the front rows and on the party circuit.
– February 24, 2017
The Bold and The Beautiful
Designs emphasized statement pieces in necklaces, earrings and rings, often using big semiprecious stones for that extra oomph.
– February 24, 2017
The Barbera Playbook
Under Tengram Capital Partners, the Barbera and Zanella brands are updating their image and expanding their reach.
– February 24, 2017
Beauty Bites
As consumers connect the dots between beauty, food and wellness, products are cropping up in the marketplace to address those desires.
– February 24, 2017
What They Should Wear at the 2017 Oscars
The world is waiting to see what the stars will wear, as the Oscars have become the biggest, flashiest, most Hyped fashion show on Earth.
– February 24, 2017
Bridget Foley's Diary: The Ripples of Change
Fashion has always been a world of what's next — next trend, next superstar, next must-have item. But today the query "what's next?" resonates more deeply, going to the core of the communal industry identity — fashion's role in the culture as it continues to navigate very challenging times. The reality that the industry is in flux on multiple levels pulsed through New York Fashion Week.
– February 24, 2017
Amid Store Closings and Newfound Profits, Penney's Sets Initiatives to Sustain Rebound
The chain's apparel business slumped last year, but improvements are expected as early as this spring.
– February 24, 2017
President Donald Trump Will Skip White House Correspondents' Dinner
This year's White House Correspondents' Dinner is shaping up to be less festive than in the past.
– February 24, 2017

subset: commoncrawl


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Chad Allen Net Worth: Chad Allen is an American actor who has a net worth of $6 million. Born Chad Allen Lazzari in Cerritos, California, in 1974, Chad Allen started acting when he was young, earning a nod for Best Young Actor: Guest in a Series at the 6th Youth in Film Awards. He starred in "Cutter to Houston" before landing a regular part on "Our House" in 1986. He played David Witherspoon for two years before landing the role of Zach in "My Two Dads". Allen appeared as Matthew Cooper in 147 episodes of "Dr. Quinn, Medicine Woman" from 1993 until 1998. Following the show's end, he acted in "NYPD Blue", "A Mother's Testimony", "Do You Wanna Know a Secret?", "Cold Case", "Criminal Minds", "Charmed", "Terra", "Ice Blues", "CSI Miami", "Dexter", "General Hospital: Night Shift", and "For Better or for Worse". When he was 21 years old, Allen's sexuality made headlines when "The Globe" published pictures of him kissing a man in a hot tub. After his unexpected outing, Allen has become an activist for LGBT rights. He's appeared on several news shows to discuss his platform and is a frequent contributor to "The Advocate" magazine. He has been dating long-time boyfriend, fellow actor Jeremy Glazer.
Chad Allen Net Worth
Chad Allen
Date of Birth
Jun 5, 1974 (42 years old)
Actor, Film Producer
United States of America
5 ft 6 in (1.7 m)
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All net worths are calculated by applying a proprietary algorithm. The results are then fact checked and confirmed by a team of editors. We scan all publicly available data and resources and work diligently to ensure that our numbers are the most accurate and up to date net worth data you will find anywhere on the internet.


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Tricycle Theatre announces six new theatre companies
Theatre News18 Oct 2016
Willkommen, Bienvenue, Welcome: Fergus Linehan on the EIF's glut of cabaret
Interviews1 Aug 2016
Old Red Lion announce autumn season
Theatre News6 Jul 2016
Anthony Gregory - ENO's wand'ring minstrel
Interviews21 Nov 2015
Blooming Buzzing Confusion and Pointless Anger, Righteous Ire - Michael Legge (Greater Manchester Fringe Festival)
Reviews7 Jul 2014
Holt Festival 2014 highlights
Theatre News30 Jun 2014
Stage Swap: Hitting the streets with The Big Issue
Features7 Feb 2014
The Royal Opera announces its new Jette Parker artists
Theatre News23 Jan 2014
Peter & Alice
Reviews26 Mar 2013
First Superstar UK tour to play in Newcastle
Theatre News20 May 2012
Tommo Puts Record Straight, Court Sells Out
Blogs8 Apr 2011
Toby Whines On, Tommo Winds Down?
Blogs5 Apr 2011
What Kind of Fool Was Ken?
Blogs1 Apr 2011
Galas: Mark Rylance's Survival, Sonnet 155 Album
Theatre News1 Apr 2010
Everyman set for cabaret-style night
Theatre News19 Aug 2009
Choreographer Merce Cunningham Dies, aged 90
Theatre News28 Jul 2009
Reviews4 Nov 2008
Donmar Dream Team: Branagh & Grandage
Features1 Sep 2008
The Common Pursuit
Reviews27 May 2008


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Faith, Hope and Love, but the greatest of these is Love. May these Emerson Favor Tags retell the greatest love story of all - your lives together, joined in marriage. Easily match these favor tags with your wedding theme by choosing from our large assortment of ink colors and paper types.
SKU AA2440 Additional Information
- Size: 2" x 2"
- Color Choices: Choice
- Ink Type: Matte
Card Format No Printing Type No
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McGraw Brewery Beer Bottles
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McGraw Brewery Beer Bottles
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The J.C. McGraw Brewery was close to the McGraw/Doran boardinghouse. Both bottles were found in the boardinghouse privy, probably discarded there by boarders. The backs of these bottles announce, "This bottle not to be sold," and, "This bottle never sold."
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Antitumor antibiotic agent that inhibits DNA topoisomerase II.Doxorubicin hydrochloride is used as an antineoplastic, antibiotic agent that inhibits DNA topoisomerase. It also inhibits nucleic acid synthesis and induces apoptosis. It posses fluorescent property, which enable it for the measurement of drug efflux pump activities and the role of subcellular organelles (golgi and lysosome) in the sequestration of drugs.
Benival, D. M.; Devarajan, P. V. In Situ Lipidization as a New Approach for the Design of a Self Microemulsifying Drug Delivery System (SMEDDS) of Doxorubicin Hydrochloride for Oral Administration. J. Biomed. Nanotechnol. 2015, 11 (5), 913-922.
Esmaeili, A.; Hadad, N. A. Preparation of ZnFe2O4-chitosan-doxorubicin hydrochloride nanoparticles and investigation of their hyperthermic heat-generating characteristics. Ceram. Int. 2015, 41 (6), 7529-7535.
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May cause cancer. Harmful if swallowed.
Sicherheitshinweise: P201-P281-P264-P270-P202-P301+P312-P308+P313-P330-P405-P501a
Obtain special instructions before use. Use personal protective equipment as required. Wash thoroughly after handling. Do not eat, drink or smoke when using this product. Do not handle until all safety precautions have been read and understood. IF SWALLOWED: Call a POISON CENTER or doctor/physician if you feel unwell. IF exposed or concerned: Get medical advice/attention. Rinse mouth. Store locked up. Dispose of contents/container in accordance with local/regional/national/international regulations.


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Program management (61 - 70 of 355 items)
Public Transportation: New Starts Program Is in a Period of Transition
GAO-06-819: Published: Aug 30, 2006. Publicly Released: Aug 30, 2006.
The Safe, Accountable, Flexible, Efficient Transportation Equity Act: A Legacy for Users (SAFETEA-LU) authorized about $7.9 billion in commitment authority, through fiscal year 2009, for the Federal Transit Administration's (FTA) New Starts program, which is used to select fixed guideway transit projects, such as rail and trolley projects, and to award full funding grant agreements (FFGAs). The Ne...
DOD's High-Risk Areas: Challenges Remain to Achieving and Demonstrating Progress in Supply Chain Management
GAO-06-983T: Published: Jul 25, 2006. Publicly Released: Jul 25, 2006.
The Department of Defense (DOD) maintains a military force with unparalleled logistics capabilities, but it continues to confront decades-old supply chain management problems. The supply chain can be the critical link in determining whether our frontline military forces win or lose on the battlefield, and the investment of resources in the supply chain is substantial. Because of weaknesses in DOD'...
Corps of Engineers: Observations on Planning and Project Management Processes for the Civil Works Program
GAO-06-529T: Published: Mar 15, 2006. Publicly Released: Mar 15, 2006.
Through the Civil Works Program, the Corps of Engineers (Corps) constructs, operates, and maintains thousands of civil works projects across the United States. The Corps uses a two-phase study process to help inform congressional decision makers about civil works projects and determine if they warrant federal investment. As part of the process for deciding to proceed with a project, the Corps anal...
Performance Budgeting: PART Focuses Attention on Program Performance, but More Can Be Done to Engage Congress
GAO-06-28: Published: Oct 28, 2005. Publicly Released: Oct 28, 2005.
GAO was asked to examine (1) the Office of Management and Budget's (OMB) and agency perspectives on the effects that the Program Assessment Rating Tool (PART) recommendations are having on agency operations and program results; (2) OMB's leadership in ensuring a complementary relationship between the PART and the Government Performance and Results Act of 1993 (GPRA); and (3) steps OMB has taken to...
Administrative Expenditures and Federal Matching Rates of Selected Support Programs
GAO-05-839R: Published: Jun 30, 2005. Publicly Released: Jul 28, 2005.
The federal government spends billions of dollars annually for programs that help low-income families and other individuals. A significant portion of these funds cover administrative costs rather than direct benefits and services. To provide information on how these administrative costs compare across programs and the federal government's role in funding these programs' administrative costs, we ex...
Public Transportation: Opportunities Exist to Improve the Communication and Transparency of Changes Made to the New Starts Program
GAO-05-674: Published: Jun 28, 2005. Publicly Released: Jun 28, 2005.
The Transportation Equity Act for the 21st Century (TEA-21) and subsequent legislation authorized about $13.5 billion in guaranteed funding for the Federal Transit Administration's (FTA) New Starts program, which is used to select fixed guideway transit projects, such as rail and trolley projects, and to award full funding grant agreements (FFGA). GAO assessed the New Starts process for the fiscal...
DOD Excess Property: Management Control Breakdowns Result in Substantial Waste and Inefficiency
GAO-05-729T: Published: Jun 7, 2005. Publicly Released: Jun 7, 2005.
GAO was asked to assess the overall economy and efficiency of the Department of Defense (DOD) program for excess property reutilization (reuse). Specifically, GAO was asked to determine (1) whether and to what extent the program included waste and inefficiency and (2) root causes of any waste and inefficiency. GAO was also asked to provide detailed examples of waste and inefficiency and the relate...
Options for Social Security Reform
GAO-05-649R: Published: May 6, 2005. Publicly Released: May 6, 2005.
This report provides a list of the various options available to reform the Social Security program. It includes a table that lists a wide range of provisions that various proposals have used in some form. In addition, there is a list of such proposals, all of which have been scored by the Social Security Administration's Office of the Chief Actuary (SSA/OCACT). Our list of provisions is intended t...
Social Security Reform: Answers to Key Questions
GAO-05-193SP: Published: May 2, 2005. Publicly Released: May 2, 2005.
The sooner our nation acts to address Social Security's long-term financial challenges, the easier it will be to successfully meet them. Once explained, the choices we face are not difficult to understand, but they are difficult to make. They affect both how much Americans pay for Social Security and how much they receive from the program. They require changes that not only will affect us but have...
Internal Revenue Service: Assessment of the Fiscal Year 2006 Budget Request
GAO-05-566: Published: Apr 27, 2005. Publicly Released: Apr 27, 2005.
The Internal Revenue Service (IRS) has been shifting its priorities from taxpayer service to enforcement and its management of Business Systems Modernization (BSM) from contractors to IRS staff. Although there are sound reasons for these adjustments, they also involve risks. With respect to the fiscal year 2006 budget request, GAO assessed (1) how IRS proposes to balance its resources between taxp...


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- Batman
- Superman
- Wonder Woman
- Star Wars
- Captain America
- Flash
- Deadpool
- Spider-Man
- Green Lantern
- Wolverine
- X-Men
- Iron Fist
- Iron Man
- Nightwing
- Robin
- Punisher
- Joker
- Harley Quinn
- Spider-Gwen
- Doctor Strange
- Incredible Hulk
- Daredevil
- Green Arrow
- Thor
- Hawkeye
- Aquaman
- Black Panther
- Supergirl
- Batgirl
- Venom
- Red Hood
- Black Widow
- Teenage Mutant Ninja Turtles
- Guardians of the Galaxy
- Avengers
- Justice League
- Suicide Squad
- Star Trek
- Doctor Who
- DC Comics Merchandise
- Marvel
- Supervillans Merchandise
Superman Symbols Ice Cube Tray
Imagine how impressed visitors (Kryptonian or otherwise) when they see that you've decided to step up your ice-making game! The Superman Ice Cube Tray is a red, flexible rubber tray that (when filled with water and frozen...it's not magic!) creates 12 ice cubes in the shape of Superman's iconic 'S' Symbol. How do you choose which guests get the Super-cubes and which ones get boring old cube-cubes? You don't, silly! You're the host, so YOU get the Superman symbol ice cubes!! Unless you were feeling generous and made a whole bunch of 'em before the party. See? You really are a Super-host!!
Not dishwasher safe!
More Details:
- Rating: 5.0 out of 5 based on 4 reviews.
- Licensor: DC
- Call Us: 866-787-4376
- Need Help?
It's not made of the normal plastic but of a soft rubber. The ice cubes are easily removed and look great. Highly recommend!
These are great and very easy to pop out the only problem is they go fast because everyone wants a Superman Ice Cube in their cup at our house!
I got this for my husband for Christmas and he loves it! He is a huge Superman fan and the cubes come out with the little "S" on them. It's really fun. I'm very pleased with the purchase.
Great product... Very durable


text: The Gawker Guide to Summer TelevisionBrian Moylan5/26/11 5:20pmFiled to: PreviewsTelevisionSummer previewsummer TVNbcAbcCBSFoxUsatntParis HiltonGleeOxygenElijah Woodgordon ramsayRocco DispiritoBravoRoundupSingle ladiesMillion Dollar DecoratorsFranklin and BashLove in the wildLove BitesTeen wolfThe Glee Project9 Lives of Chloe King101 Ways to Leave a Game ShowFalling skiesExpedition impossibleWilfred163EditPromoteShare to KinjaToggle Conversation toolsGo to permalink With so many season finales airing this week, you might think that Americans turn off their TV sets after Memorial Day weekend and only turn it back on again in September. But this is America! All we care about is TV (and food)! Here are some of the new shows—and returning favorites—that will make lying in air-conditioned bliss that much more enjoyable until Labor Day. Summer TV is a bit different than what airs during the rest of the year. Many of the big-budget series are on hiatus and some networks pad out their schedules with crappy reruns. But it's also the time of year when we're given frothy dramas, flirty reality shows, and other amusing diversions. Summer TV can be silly, but what more do you want while trying to stay cool?New ShowsSingle LadiesWhen? Monday, May 30, 9pm Which Channel? VH1 What Is It? Finally, a scripted series on VH1. Here Stacey Dash (of Clueless fame) and her three best friends do their best Sex and the City, except the city is Atlanta. Million Dollar DecoratorsWhen? Tuesday, May 31, 10pm Which Channel? Bravo What Is It? It's like HGTV with a bigger budget and more drama as L.A.'s fanciest interior designers (including one seriously sexy silver fox) do their thing. Love in the WildWhen? Wednesday, June 1, 10pm Which Channel? NBC What Is It? Twenty singles go on their first date while spelunking around the jungle. Expect hot people in little clothing, fighting, wild animals, and lots of chaste making out.Franklin and BashWhen? Wednesday, June 1, 9pm Which Channel? TNT What Is It? No, this isn't about a furniture brand or a strange British dish (Bubble and Squeak, coming this fall). The cable channel switches it up from "procedurals featuring strong women" to "procedurals featuring skuzzy male lawyers." At least one is Zack Morris. Love BitesWhen? Thursday, June 2, 10pm Which Channel? NBC What Is It? Like they say, every week features "different stars, different stories" about love. Too bad it's the same old programming formula for this modern day Love Boat.Teen WolfWhen? Sunday, June 5, 10pm Which Channel? MTV What Is It? Just like the old Michael J. Fox movie, except sexier, angstier, and they play lacrosse instead of basketball (ugh, suburban white people and their lacrosse). The Glee ProjectWhen? Sunday, June 12, 9pm Which Channel? Oxygen What Is It? Twelve teens vie for a role on Glee so that they can be subsequently mocked by all the fans who used to like Glee but now only watch it to make fun of it. 9 Lives of Chloe KingWhen? Tuesday, June 14, 9pm Which Channel? ABC Family What Is It? Apparently all of the teenagers are turning into animals on cable this summer. Here's a show about a girl who turns into a cat. Maybe she and Teen Wolf should date?101 Ways to Leave a Game ShowWhen? Tuesday, June 21, 9pm Which Channel? ABC What Is It? There's no trailer for the ABC version yet, but if it is anything like the BBC version of this show on which it's based (see right), it's totally going to rule. Watch as contestants who get wrong answers are booted off a game show in cruel and creative ways.Falling SkiesWhen? Sunday, June 19, 9pm Which Channel? TNT What Is It? Aliens! Noah Wylie! Explosions! Hooray!Expedition ImpossibleWhen? Thursday, June 23, 9pm Which Channel? ABC What Is It? Thirteen teams of three trek across Morocco in a game much like The Amazing Race but even harder. It's sort of like Sex and the City 2 if Samantha died of a hot flash and the rest of the girls had to fight to stay alive.WilfredWhen? Thursday, June 23, 10pm Which Channel? FX What Is It? A depressed man (Elijah Wood) is the only one who sees his neighbor's dog as a real man wearing a dog outfit. It's based on a hit Australian show. When was the last time that happened?Necessary RoughnessWhen? Wednesday, June 29, 10pm Which Channel? USA What Is It? A sexy psychologist helps a football player get over his performance issues and becomes the new shrink of choice for a rotating collection of athletes. ESPN devotees are gonna go bonkers for this. AlphasWhen? Monday, July 11, 10pm Which Channel? SyFy What Is It? A team of people with superpowers stop crimes and fight villains and stuff. It's Heroes, but, you know, actually kind of good.Also New This SummerExtreme Makeover: Weightloss Edition, May 30, ABC: Do I need to tell you?Rocco's Dinner Party, June 22, Bravo: Rocco DiSpirito tries, once again, to be a reality TV star.Same Name, July 24, CBS: Celebrities spend a day living the life of a normal Joe that has the same name as they do.Take the Money and Run, July 28, ABC: People try to outwit spies to win money.Whisker Wars, August 5, IFC: A competitive beard growing show. No, for real.Returning ShowsSo You Think You Can Dance, May 26, Fox: This time with 100% more Mary Murphy!America's Got Talent, May 31, NBC: Get ready for the onslaught of jugglers and hula hoopers.Men of a Certain Age, June 1, TNT: At least Tim Allen isn't on this old male comedian show.MasterChef, June 6, Fox: Please help Gordon Ramsey escape bankruptcy.White Collar, June 7, USA: Your mom will be so happy her boyfriend Matthew Bomer is back on TV.Keep Up with the Kardashians, June 12, E!: In case you have gone 72 hours without seeing America's favorite Klan in some form of media, here is your fix.Pretty Little Liars, June 14, ABC Family: Your niece and Richard Lawson's Twitter feeds will be dominated by this.HawthoRNe, June 14, TNT: Let the bad spelling begin.Hot in Cleveland, June 15, TV Land: Don't let Betty White stop working now.Drop Dead Diva, June 19, Lifetime: Don't make a fat joke. Please.Wipeout, June 23, ABC: You know you have watched this and laughed hysterically. It's OK. We all have our weaknesses.Burn Notice, June 23, USA: Hot spies doing silly things in Miami. That's what summer is all about.Futurama, June 23, Comedy Central: This will be on until the 33rd century.Louie, June 23, FX: New York magazine told me I had to start watching this show.True Blood, June 26, HBO: The citizens of Bon Temps fight the two things they hate the most: witches and wearing clothing.The Marriage Ref, June 26, NBC: Yes. Really.Weeds, June 27, Showtime: Nancy Botwin is in prison for crimes against good sitcoms.The Big C, June 27, Showtime: Laura Linney still isn't dead.Royal Pains, June 29, USA: Hot doctors in the Hamptons! Sign us up!Big Brother, July 7, CBS: Television's most perfection reality competition show returns with more buff beefcakes and buxom babes.Curb Your Enthusiasm, July 10, HBO: This time Larry David harasses New York.The Closer, July 11, USA: Kyra Sedgewick is still trying make back all that money she lost thanks to Bernie Madoff.Rizzoli & Isles, July 11, USA: Is this show about a haberdashery, as the name suggests?Rescue Me, July 12, FX: Let's drag out Dennis Leary and his fire fighters one more time, for good measure.Damages, July 13, DirecTV: If you have a satellite dish, you're lucky. The rest of us have to wait for the DVD.Breaking Bad, July 17, AMC: If you want to know what's going on at the Emmys, you better tune in.Hell's Kitchen, July 19, Fox: See "Gordon Ramsay, bankruptcy" above.Entourage, July 24, HBO: Finally, it's ending!RelatedThe Gawker Guide to Summer MoviesReply163 repliesLeave a reply


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You're Invited: Hunting Web chat with Michigan Department of Natural Resources
Please join us Thursday, November 17 at 11:30 a.m. for a live Web chat with Brent Rudolph, the Deer and Elk Program Leader for the Michigan Department of Natural Resources. Brent will take your questions on hunting in Michigan. All are welcome and we will answer as many questions as we can during the hour-long chat. Check out Brent's Q&A on hunting in Michigan from last week. We hope you can join us!


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B cells are critical players in the orchestration of properly regulated immune responses that provide protection against infectious agents without inflicting auto-inflammatory damage. Achieving this physiological balance requires the finely regulated participation of multiple B cell populations with different antibody dependent and independent functions. This is a rather precarious balance since, as demonstrated by multiple studies, since B cells also mediate powerful pro-inflammatory effector functions which if unchecked contribute to the pathogenesis of multiple pathological conditions of great impact in the health of the population including multiple autoimmune conditions, transplant rejection, atherosclerosis, defective cancer surveillance, COPD, asthma and liver fibrosis. The complexity and clinical relevance of B cells has also been brought to the fore in recent years by the success of Rituximab-based B cell depletion therapy (BCDT) in multiple autoimmune diseases. It is therefore apparent that understanding the phenotypic heterogeneity and functional division of labor among different B cell populations will be critical to unravel the pathophysiology of autoimmune diseases and other major clinical conditions. This central goal will be accomplished through the interactive work of 4 projects and two major cores under the administrative oversight provided by Core A;Project 1: Human transitional B cells: homeostasis, function and impact of BCDT;Project 2: Human effector B cells: homeostasis, function and regulation in SLE;Project 3: Evaluation of IFNg-producing effector B cells in infectious and autoimmune disease;Project 4: Role of B cells in Synovial Inflammation and Lymph Node Remodeling in Inflammatory Arthritis;Core B: Coordinating Clinical Core;and Core C: Biostatistics and Data Management Core. The knowledge derived from the work proposed in this PPG should also enable investigators to better design and evaluate vaccine responses. Finally, and central to this PPG, our results will greatly enhance our ability to design better and safer BCDT therapies and to develop biomarkers of B cell targeted treatments efficacy and safety.
Understanding the proper balance of protective and deleterious B cell functions is ofthe outmost importance for understanding and treating multiple autoimmune diseases such as Lupus, Rheumatoid Arthritis, Diabetes and Multipie Sclerosis. This knowledge would also greatly help in designing and evaluating vaccines. This PPG brings together a group of talented B cell scientists and clinicians to evaluate in a synergistic and complementary way the identify and function of several new B cell populations and their role in disease suing human diseases as well as appropriate animal models for these diseases.
|Bouta, Echoe M; Banik, Peony D; Wood, Ronald W et al. (2015) Validation of power Doppler versus contrast-enhanced magnetic resonance imaging quantification of joint inflammation in murine inflammatory arthritis. J Bone Miner Res 30:690-4
|León, Beatriz; Ballesteros-Tato, André; Randall, Troy D et al. (2014) Prolonged antigen presentation by immune complex-binding dendritic cells programs the proliferative capacity of memory CD8 T cells. J Exp Med 211:1637-55
|Sanz, Iñaki (2014) Rationale for B cell targeting in SLE. Semin Immunopathol 36:365-75
|Wang, Wensheng; Rangel-Moreno, Javier; Owen, Teresa et al. (2014) Long-term B cell depletion in murine lupus eliminates autoantibody-secreting cells and is associated with alterations in the kidney plasma cell niche. J Immunol 192:3011-20
|Palanichamy, Arumugam; Bauer, Jason W; Yalavarthi, Srilakshmi et al. (2014) Neutrophil-mediated IFN activation in the bone marrow alters B cell development in human and murine systemic lupus erythematosus. J Immunol 192:906-18
|Finak, Greg; Jiang, Wenxin; Krouse, Kevin et al. (2014) High-throughput flow cytometry data normalization for clinical trials. Cytometry A 85:277-86
|Bouta, Echoe M; Wood, Ronald W; Brown, Edward B et al. (2014) In vivo quantification of lymph viscosity and pressure in lymphatic vessels and draining lymph nodes of arthritic joints in mice. J Physiol 592:1213-23
|León, Beatriz; Bradley, John E; Lund, Frances E et al. (2014) FoxP3+ regulatory T cells promote influenza-specific Tfh responses by controlling IL-2 availability. Nat Commun 5:3495
|Zhang, Hengwei; Hilton, Matthew J; Anolik, Jennifer H et al. (2014) NOTCH inhibits osteoblast formation in inflammatory arthritis via noncanonical NF-?B. J Clin Invest 124:3200-14
|Roberts, Mustimbo E P; Kaminski, Denise; Jenks, Scott A et al. (2014) Primary Sjögren's syndrome is characterized by distinct phenotypic and transcriptional profiles of IgD+ unswitched memory B cells. Arthritis Rheumatol 66:2558-69
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