[bubble_contagion]

4. Use our $175,000 cash to buy a house in San Diego while we still have 800+ credit scores and walk away from the Tempe condo (not sure if we have recourse loan – do remember the broker made it a “secondary home” loan to get us a competitive rate)

This is correct answer if your loan is non-recourse. Those $40K that you over paid will turn into $100K+ by the time you add the loan interest, taxes and loss in earnings if you had invested that money. Let the bank take the hit. Everybody else is doing. Think of the children, you can send them to college with that money.

[bubble_contagion]

4. Use our $175,000 cash to buy a house in San Diego while we still have 800+ credit scores and walk away from the Tempe condo (not sure if we have recourse loan – do remember the broker made it a “secondary home” loan to get us a competitive rate)

This is correct answer if your loan is non-recourse. Those $40K that you over paid will turn into $100K+ by the time you add the loan interest, taxes and loss in earnings if you had invested that money. Let the bank take the hit. Everybody else is doing. Think of the children, you can send them to college with that money.

[bubble_contagion]

4. Use our $175,000 cash to buy a house in San Diego while we still have 800+ credit scores and walk away from the Tempe condo (not sure if we have recourse loan – do remember the broker made it a “secondary home” loan to get us a competitive rate)

This is correct answer if your loan is non-recourse. Those $40K that you over paid will turn into $100K+ by the time you add the loan interest, taxes and loss in earnings if you had invested that money. Let the bank take the hit. Everybody else is doing. Think of the children, you can send them to college with that money.

[bubble_contagion]

4. Use our $175,000 cash to buy a house in San Diego while we still have 800+ credit scores and walk away from the Tempe condo (not sure if we have recourse loan – do remember the broker made it a “secondary home” loan to get us a competitive rate)

This is correct answer if your loan is non-recourse. Those $40K that you over paid will turn into $100K+ by the time you add the loan interest, taxes and loss in earnings if you had invested that money. Let the bank take the hit. Everybody else is doing. Think of the children, you can send them to college with that money.

[bubble_contagion]

A friend of mine lives in a high rise close to Little Italy. The condo next door was being rented by the day, mostly weekends. One night two couples entered his place at 2am carring beer cases. After some shouting, it was clear that the couples could enter the wrong condo because the developer never changed the door locks. All condo doors could be opened with the same key. Today that condo next door is in foreclosure as is the identical 700 s/f studio unit above my friend’s place. My friend bought in 2005 for 460K, the foreclosed unit above is going for $250K.

[bubble_contagion]

A friend of mine lives in a high rise close to Little Italy. The condo next door was being rented by the day, mostly weekends. One night two couples entered his place at 2am carring beer cases. After some shouting, it was clear that the couples could enter the wrong condo because the developer never changed the door locks. All condo doors could be opened with the same key. Today that condo next door is in foreclosure as is the identical 700 s/f studio unit above my friend’s place. My friend bought in 2005 for 460K, the foreclosed unit above is going for $250K.

[bubble_contagion]

A friend of mine lives in a high rise close to Little Italy. The condo next door was being rented by the day, mostly weekends. One night two couples entered his place at 2am carring beer cases. After some shouting, it was clear that the couples could enter the wrong condo because the developer never changed the door locks. All condo doors could be opened with the same key. Today that condo next door is in foreclosure as is the identical 700 s/f studio unit above my friend’s place. My friend bought in 2005 for 460K, the foreclosed unit above is going for $250K.

[bubble_contagion]

A friend of mine lives in a high rise close to Little Italy. The condo next door was being rented by the day, mostly weekends. One night two couples entered his place at 2am carring beer cases. After some shouting, it was clear that the couples could enter the wrong condo because the developer never changed the door locks. All condo doors could be opened with the same key. Today that condo next door is in foreclosure as is the identical 700 s/f studio unit above my friend’s place. My friend bought in 2005 for 460K, the foreclosed unit above is going for $250K.

[bubble_contagion]

A friend of mine lives in a high rise close to Little Italy. The condo next door was being rented by the day, mostly weekends. One night two couples entered his place at 2am carring beer cases. After some shouting, it was clear that the couples could enter the wrong condo because the developer never changed the door locks. All condo doors could be opened with the same key. Today that condo next door is in foreclosure as is the identical 700 s/f studio unit above my friend’s place. My friend bought in 2005 for 460K, the foreclosed unit above is going for $250K.

[bubble_contagion]

I have a D80 and a D90. Butterflies were shot at the Wild Animal Park. During two weeks in April there is a special butterfly exhibit. I used a 70-300 with an extension tube and external flash. The Tokina 11-16 f/2.8 has very good reviews and it is a good alternative to the new and expensive 10-24 Nikon DX. You will need a D80 or higher for the Tokina if you want the camera to auto-focus.

[bubble_contagion]

I have a D80 and a D90. Butterflies were shot at the Wild Animal Park. During two weeks in April there is a special butterfly exhibit. I used a 70-300 with an extension tube and external flash. The Tokina 11-16 f/2.8 has very good reviews and it is a good alternative to the new and expensive 10-24 Nikon DX. You will need a D80 or higher for the Tokina if you want the camera to auto-focus.

[bubble_contagion]

I have a D80 and a D90. Butterflies were shot at the Wild Animal Park. During two weeks in April there is a special butterfly exhibit. I used a 70-300 with an extension tube and external flash. The Tokina 11-16 f/2.8 has very good reviews and it is a good alternative to the new and expensive 10-24 Nikon DX. You will need a D80 or higher for the Tokina if you want the camera to auto-focus.

[bubble_contagion]

I have a D80 and a D90. Butterflies were shot at the Wild Animal Park. During two weeks in April there is a special butterfly exhibit. I used a 70-300 with an extension tube and external flash. The Tokina 11-16 f/2.8 has very good reviews and it is a good alternative to the new and expensive 10-24 Nikon DX. You will need a D80 or higher for the Tokina if you want the camera to auto-focus.

[bubble_contagion]

I have a D80 and a D90. Butterflies were shot at the Wild Animal Park. During two weeks in April there is a special butterfly exhibit. I used a 70-300 with an extension tube and external flash. The Tokina 11-16 f/2.8 has very good reviews and it is a good alternative to the new and expensive 10-24 Nikon DX. You will need a D80 or higher for the Tokina if you want the camera to auto-focus.

[bubble_contagion]

Start with a basic $40-$60 filter from a good brand: Hoya, B+W. Avoid a slim since you will not be able to use a lens cap while it is on the lens. Some wide angle lenses will need a slim but check if your lens will really needs it. If this is the case you will get black corners. The polarizer filter is the most important and the only one I use. Check out my pictures. I get by with a couple of cheap polarizer filters from Quantray.

http://bestruck.photoshop.com

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