[NotCranky]

After all they are sales people right?

All the more reason to make fun of them(us).
If you can’t make fun of a Realtor who can you make fun of? He is not a protected class by merit of his “Top Producer” pin. It’s guy, maybe very “professional”,probably a talking head, giving away cookies and trying to make money selling expensive properties in an overpriced market. It was not some lost starving orphan.
Sorry if I was part of striking that nerve but I am not going to censor myself on such a thing.

[NotCranky]

The complaining doesn’t bother me except for the “I am a victim” posts and those that lack circumspection or depth whatsoever in favor of self centered whining.

I think the only way we could really get the attention of the ruling class is an economic revolution.IT would be so easy. I don’t believe we could agree on how we would want them to be if we did scare them and so we won’t cooperate or risk harm to ourselves by being the first,of the likely few,to venture against the machine.

Those of us who would like to see such a thing can at least take action by how we spend and what material things we aspire to. Quit spending, quit wanting to spend. Quit needing your job to the highest degree possible. We could go on a necessities only strike….when piggs fly.

Appealing to the ruling class on their terms won’t do anything. I doubt the average person’s participation in the political scheme, voting for various people and on agendas spoon fed to us is going to do much either.
I like Ron Paul.

[NotCranky]

The complaining doesn’t bother me except for the “I am a victim” posts and those that lack circumspection or depth whatsoever in favor of self centered whining.

I think the only way we could really get the attention of the ruling class is an economic revolution.IT would be so easy. I don’t believe we could agree on how we would want them to be if we did scare them and so we won’t cooperate or risk harm to ourselves by being the first,of the likely few,to venture against the machine.

Those of us who would like to see such a thing can at least take action by how we spend and what material things we aspire to. Quit spending, quit wanting to spend. Quit needing your job to the highest degree possible. We could go on a necessities only strike….when piggs fly.

Appealing to the ruling class on their terms won’t do anything. I doubt the average person’s participation in the political scheme, voting for various people and on agendas spoon fed to us is going to do much either.
I like Ron Paul.

[NotCranky]

The complaining doesn’t bother me except for the “I am a victim” posts and those that lack circumspection or depth whatsoever in favor of self centered whining.

I think the only way we could really get the attention of the ruling class is an economic revolution.IT would be so easy. I don’t believe we could agree on how we would want them to be if we did scare them and so we won’t cooperate or risk harm to ourselves by being the first,of the likely few,to venture against the machine.

Those of us who would like to see such a thing can at least take action by how we spend and what material things we aspire to. Quit spending, quit wanting to spend. Quit needing your job to the highest degree possible. We could go on a necessities only strike….when piggs fly.

Appealing to the ruling class on their terms won’t do anything. I doubt the average person’s participation in the political scheme, voting for various people and on agendas spoon fed to us is going to do much either.
I like Ron Paul.

[NotCranky]

The complaining doesn’t bother me except for the “I am a victim” posts and those that lack circumspection or depth whatsoever in favor of self centered whining.

I think the only way we could really get the attention of the ruling class is an economic revolution.IT would be so easy. I don’t believe we could agree on how we would want them to be if we did scare them and so we won’t cooperate or risk harm to ourselves by being the first,of the likely few,to venture against the machine.

Those of us who would like to see such a thing can at least take action by how we spend and what material things we aspire to. Quit spending, quit wanting to spend. Quit needing your job to the highest degree possible. We could go on a necessities only strike….when piggs fly.

Appealing to the ruling class on their terms won’t do anything. I doubt the average person’s participation in the political scheme, voting for various people and on agendas spoon fed to us is going to do much either.
I like Ron Paul.

[NotCranky]

The complaining doesn’t bother me except for the “I am a victim” posts and those that lack circumspection or depth whatsoever in favor of self centered whining.

I think the only way we could really get the attention of the ruling class is an economic revolution.IT would be so easy. I don’t believe we could agree on how we would want them to be if we did scare them and so we won’t cooperate or risk harm to ourselves by being the first,of the likely few,to venture against the machine.

Those of us who would like to see such a thing can at least take action by how we spend and what material things we aspire to. Quit spending, quit wanting to spend. Quit needing your job to the highest degree possible. We could go on a necessities only strike….when piggs fly.

Appealing to the ruling class on their terms won’t do anything. I doubt the average person’s participation in the political scheme, voting for various people and on agendas spoon fed to us is going to do much either.
I like Ron Paul.

[NotCranky]

“I think it will be interesting to see the various marketing techniques desparate realtors come up with as the market continues its downturn.”

It is a buyer’s market in at least one sense, they can get around 2/3 of the commission rebated. That plus cookies is a pretty good deal, especially if it comes with solid RE advice too.

How much money does that work out to? I would say each transaction to the type of client that would merit a 2/3 rebate takes about 40 hours w/o a transaction coordinator. Not bad. http://www.fsboprimer.com/buyersagents2.html

[NotCranky]

“I think it will be interesting to see the various marketing techniques desparate realtors come up with as the market continues its downturn.”

It is a buyer’s market in at least one sense, they can get around 2/3 of the commission rebated. That plus cookies is a pretty good deal, especially if it comes with solid RE advice too.

How much money does that work out to? I would say each transaction to the type of client that would merit a 2/3 rebate takes about 40 hours w/o a transaction coordinator. Not bad. http://www.fsboprimer.com/buyersagents2.html

[NotCranky]

“I think it will be interesting to see the various marketing techniques desparate realtors come up with as the market continues its downturn.”

It is a buyer’s market in at least one sense, they can get around 2/3 of the commission rebated. That plus cookies is a pretty good deal, especially if it comes with solid RE advice too.

How much money does that work out to? I would say each transaction to the type of client that would merit a 2/3 rebate takes about 40 hours w/o a transaction coordinator. Not bad. http://www.fsboprimer.com/buyersagents2.html

[NotCranky]

“I think it will be interesting to see the various marketing techniques desparate realtors come up with as the market continues its downturn.”

It is a buyer’s market in at least one sense, they can get around 2/3 of the commission rebated. That plus cookies is a pretty good deal, especially if it comes with solid RE advice too.

How much money does that work out to? I would say each transaction to the type of client that would merit a 2/3 rebate takes about 40 hours w/o a transaction coordinator. Not bad. http://www.fsboprimer.com/buyersagents2.html

[NotCranky]

“I think it will be interesting to see the various marketing techniques desparate realtors come up with as the market continues its downturn.”

It is a buyer’s market in at least one sense, they can get around 2/3 of the commission rebated. That plus cookies is a pretty good deal, especially if it comes with solid RE advice too.

How much money does that work out to? I would say each transaction to the type of client that would merit a 2/3 rebate takes about 40 hours w/o a transaction coordinator. Not bad. http://www.fsboprimer.com/buyersagents2.html

[NotCranky]

Just in case anyone participating in this thread doesn’t a background on where these limits stood a month ago I am posting a paragraph from an article(and not crediting it properly).The paragraph also hs some info on how the limits are typically derived when not part of a supper bubble damage control plan(sham).

“Conforming Loan Limit Unchanged In 2008

The conforming loan limit, currently $417,000, will remain unchanged in 2008, announced OFHEO director James B. Lockhart. OFHEO is the entity that regulates Fannie Mae and Freddie Mac, the government-chartered guarantors of home mortgages. Any loans above the $417,000 limit are considered “jumbo” and cannot be guaranteed by Fannie Mae and Freddie Mac, so lenders usually charge higher interest on them. This limit only applies to one-unit properties; multiple-unit properties have higher limits. Alaska, Hawaii, Guam and the U.S. Virgin Islands have higher upper limits than other states. The maximum conforming loan limit is determined by analyzing October-to-October change in the average house price, which has declined more than 3% this year. The maximum limit hasn’t changed for the last 2 years, and it probably won’t get revised upwards anytime soon. The latest NAR report says the inventory of single-family homes on the market is at the highest level in 22 years (10.8 months’ supply), which can only drive home
prices down.”

Has anyone seen how the changes will affect multiple 2-4 unit properties? Other than some advantage coming from that I can see little use for more than the old limits for the investment properties some people are talking about or that Iwoudl be concerned with unless it has to do with a big old cash out?
I am happy about the interests rate trends as a whole. But if I take any of this cheap money it won’t be to prop up the market. I’ll protect it until this manipulation has run its course and prices crash further. If they don’t I’ll consider giving it back.

[NotCranky]

Just in case anyone participating in this thread doesn’t a background on where these limits stood a month ago I am posting a paragraph from an article(and not crediting it properly).The paragraph also hs some info on how the limits are typically derived when not part of a supper bubble damage control plan(sham).

“Conforming Loan Limit Unchanged In 2008

The conforming loan limit, currently $417,000, will remain unchanged in 2008, announced OFHEO director James B. Lockhart. OFHEO is the entity that regulates Fannie Mae and Freddie Mac, the government-chartered guarantors of home mortgages. Any loans above the $417,000 limit are considered “jumbo” and cannot be guaranteed by Fannie Mae and Freddie Mac, so lenders usually charge higher interest on them. This limit only applies to one-unit properties; multiple-unit properties have higher limits. Alaska, Hawaii, Guam and the U.S. Virgin Islands have higher upper limits than other states. The maximum conforming loan limit is determined by analyzing October-to-October change in the average house price, which has declined more than 3% this year. The maximum limit hasn’t changed for the last 2 years, and it probably won’t get revised upwards anytime soon. The latest NAR report says the inventory of single-family homes on the market is at the highest level in 22 years (10.8 months’ supply), which can only drive home
prices down.”

Has anyone seen how the changes will affect multiple 2-4 unit properties? Other than some advantage coming from that I can see little use for more than the old limits for the investment properties some people are talking about or that Iwoudl be concerned with unless it has to do with a big old cash out?
I am happy about the interests rate trends as a whole. But if I take any of this cheap money it won’t be to prop up the market. I’ll protect it until this manipulation has run its course and prices crash further. If they don’t I’ll consider giving it back.

[NotCranky]

Just in case anyone participating in this thread doesn’t a background on where these limits stood a month ago I am posting a paragraph from an article(and not crediting it properly).The paragraph also hs some info on how the limits are typically derived when not part of a supper bubble damage control plan(sham).

“Conforming Loan Limit Unchanged In 2008

The conforming loan limit, currently $417,000, will remain unchanged in 2008, announced OFHEO director James B. Lockhart. OFHEO is the entity that regulates Fannie Mae and Freddie Mac, the government-chartered guarantors of home mortgages. Any loans above the $417,000 limit are considered “jumbo” and cannot be guaranteed by Fannie Mae and Freddie Mac, so lenders usually charge higher interest on them. This limit only applies to one-unit properties; multiple-unit properties have higher limits. Alaska, Hawaii, Guam and the U.S. Virgin Islands have higher upper limits than other states. The maximum conforming loan limit is determined by analyzing October-to-October change in the average house price, which has declined more than 3% this year. The maximum limit hasn’t changed for the last 2 years, and it probably won’t get revised upwards anytime soon. The latest NAR report says the inventory of single-family homes on the market is at the highest level in 22 years (10.8 months’ supply), which can only drive home
prices down.”

Has anyone seen how the changes will affect multiple 2-4 unit properties? Other than some advantage coming from that I can see little use for more than the old limits for the investment properties some people are talking about or that Iwoudl be concerned with unless it has to do with a big old cash out?
I am happy about the interests rate trends as a whole. But if I take any of this cheap money it won’t be to prop up the market. I’ll protect it until this manipulation has run its course and prices crash further. If they don’t I’ll consider giving it back.

[NotCranky]

Just in case anyone participating in this thread doesn’t a background on where these limits stood a month ago I am posting a paragraph from an article(and not crediting it properly).The paragraph also hs some info on how the limits are typically derived when not part of a supper bubble damage control plan(sham).

“Conforming Loan Limit Unchanged In 2008

The conforming loan limit, currently $417,000, will remain unchanged in 2008, announced OFHEO director James B. Lockhart. OFHEO is the entity that regulates Fannie Mae and Freddie Mac, the government-chartered guarantors of home mortgages. Any loans above the $417,000 limit are considered “jumbo” and cannot be guaranteed by Fannie Mae and Freddie Mac, so lenders usually charge higher interest on them. This limit only applies to one-unit properties; multiple-unit properties have higher limits. Alaska, Hawaii, Guam and the U.S. Virgin Islands have higher upper limits than other states. The maximum conforming loan limit is determined by analyzing October-to-October change in the average house price, which has declined more than 3% this year. The maximum limit hasn’t changed for the last 2 years, and it probably won’t get revised upwards anytime soon. The latest NAR report says the inventory of single-family homes on the market is at the highest level in 22 years (10.8 months’ supply), which can only drive home
prices down.”

Has anyone seen how the changes will affect multiple 2-4 unit properties? Other than some advantage coming from that I can see little use for more than the old limits for the investment properties some people are talking about or that Iwoudl be concerned with unless it has to do with a big old cash out?
I am happy about the interests rate trends as a whole. But if I take any of this cheap money it won’t be to prop up the market. I’ll protect it until this manipulation has run its course and prices crash further. If they don’t I’ll consider giving it back.

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