Coastal San Diego Living

HAPPY NEW YEAR!!!! Welcome to 2011!!

by Tisha Carney 1. January 2011 12:05

san diego real estate

A new year celebration is an wonderful occasion, when we welcome something new in our lives and at the same time, forget about all the bad memories, which the passing year gave us. Happy new year quotes is one of those means, with which you can celebrate the new year. All these beautiful new year quotes are written by famous personalities.

"Youth is when you're allowed to stay up late on New Year's Eve. Middle age is when you're forced to." - By Bill Vaughn

"Be always at war with your vices, at peace with your neighbors, and let each new year find you a better man."
- By Benjamin Franklin

"An optimist stays up until midnight to see the new year in. A pessimist stays up to make sure the old year leaves." - By Bill Vaughan

Happy-New-Year-2011-86 "Every man should be born again on the first day of January. Start with a fresh page. Take up one hole more in the buckle if necessary, or let down one, according to circumstances; but on the first of January let every man gird himself once more, with his face to the front, and take no interest in the things that were and are past." - By Henry Ward Beecher

"Yesterday, everybody smoked his last cigar, took his last drink and swore his last oath. Today, we are a pious and exemplary community. Thirty days from now, we shall have cast our reformation to the winds and gone to cutting our ancient shortcomings considerably shorter than ever." - By Mark Twain

"Good resolutions are simply checks that men draw on a bank where they have no account." - By Oscar Wilde


Just For Fun

Housing bust? So what? Americans still want to own a home!

by Tisha Carney 27. December 2010 15:45
american dream SAN DIEGO REAL ESTATE

The American Dream is still alive and kicking, including within immigrant and minority communities, according to a survey from mortgage giant Fannie Mae.

The housing crisis hasn't quenched the homeownership thirst, the company found. More than 51% of people said the bust did not change their willingness to buy a home and an additional 27% said it actually made them more likely to do so.

"The crisis has not put a dent in the desire to own," said Doug Duncan, Fannie's chief economist, "although it may have changed the reasons that people want to own."

The report, the first close analysis Fannie has taken of consumer attitudes about the rent-or-own decision, found that qualitative reasons -- like having the ability to remodel or to send the kids to a better school -- have overtaken financial considerations as the primary motivators for homeownership.

Some misperceptions about financial benefits may help to keep it high.

"People's attitudes don't always line up with empirical facts," said Duncan.

For example, although trillions of dollars of equity were wiped out by the housing bust, nearly two-thirds of people surveyed still believe purchasing a house is a safe investment.


Also, more than half the public thought buying a home was a good idea financially even if they plan to move out in less than three years.

Furthermore, a huge majority, 86% of those surveyed, cite income-tax benefits -- mostly the mortgage interest deduction -- as a big reason to buy.


Fannie found that no matter what their ethnicity or immigration status, Americans generally share similar positive attitudes toward homeownership. And since, as the report stated, "strong homeownership aspirations exist across races, ethnicities and immigrant groups," Fannie can count on future demand for owner-occupied homes remaining strong.

By Les Christie, CNN Money


Spreading The Holiday Cheer By Helping The Kids at SD Center of Children Make Christmas Ornaments

by Tisha Carney 20. December 2010 11:30

SAN DIEGO CENTER FOR CHILDREN: “We are Healing Hearts and Minds!”

This past Saturday morning we spent some time with the kids at The San Diego Center For Children and spread some holiday cheer by helping them make Christmas ornaments. In conjunction with Xerox San Diego, we had about 20 volunteers!

One of the greatest challeIMG_1104nges any community faces is to offer hope to a child or adolescent who is suffering from a mental health problem – mental, emotional or behavioral problems that often we cannot see, much less understand.   The children and adolescents at The San Diego Center for Children know what it feels like to confront these challenges.

The kids at The SD Center for Children know what it feels like not to have their basic needs met – they question if anything they do even matters as they struggle to find their place in society. The highly-skilled team of dedicated professionals at the center knows how to reverse destructive behavior and restore a child’s and an aXCIP SD @ SD Center for Children 024dolescent’s greatest hope – to regain a healthy and normal life complete with family, friends, school, and routine.

It was a fabulous morning helping to spread the holiday cheer! These are truly some very special kids!



Just For Fun

Top 5 Predictions for 2011 San Diego Housing Market

by Tisha Carney 10. December 2010 11:27

Freddie Mac analysts point to five features that they believe will likely2011-Number-Stock-Images characterize the 2011 housing and mortgage markets:

1. Low mortgage rates. With Fed observers expecting the central bank to keep the federal funds rate at its current target range of 0 percent to 0.25 percent for most (or all) of 2011, relatively low mortgage rates will be a feature of the 2011 mortgage market. Thirty-year fixed-rate loans are likely to remain below 5 percent throughout the year, and initial rates of 5/1 hybrid adjustable-rate mortgages will likely remain below 4 percent in 2011.
2. Prices have hit bottom. House prices are likely to begin a gradual, but sustained recovery in the second half of 2011.
3. Housing will remain affordable. With affordability high, many first-time buyers will be attracted to the housing market in the New Year, likely translating into more home sales in 2011 than in 2010.
4. Refinances will dwindle. Many eligible borrowers have already refinanced and the federal Making Home Affordable refinance program is expiring on June 30. While fixed-rate loans are likely to remain low, they will move up gradually, making it even less likely that refinances will be attractive to most home owners.
San Diego housing market5. Delinquency rates will decline. Based on the last several business cycles, the share of loans that are 90 or more days delinquent or in foreclosure proceedings — known as the "seriously delinquent rate" — generally crests within a year of the start of the recovery in payroll employment, and this economic recovery appears to fit within that pattern. Payrolls began to rise last January, and by the spring the seriously delinquent rate had begun to fall.
Daily Real Estate News  December 10, 2010 


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