Who Has a Right to a Short Sale? - 10/30/07 02:49 PM
Who Has a Right to a Short Sale? by Bill Roberts
There is a lot of whining and crying going on in this industry about how hard banks are making it to do short sales. Some say it is as if they don't want to do the short sales and are pushing … (34 comments)
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Fun With Ken and Barbie, Part 2 - 10/28/07 07:42 PM
Fun With Ken and Barbie, Part 2 by Bill Roberts
Last time in Fun With Ken and Barbie we calculated their Cash Needed Budget for when they retire. They "down-sized" from their big family home into a nice two bedroom house in a very nice gated community with all the amenities that … (8 comments)
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Fun With Ken and Barbie - 10/28/07 06:30 PM
Fun With Ken and Barbie by Bill Roberts
As Baby Boomers approach retirement they need to do a little planning.
The most important plan is the CASH NEEDED plan. This is a complete assessment of how much money you will need each month to maintain your lifestyle.
We are going to use a fictional … (22 comments)
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San Diego Is Burning - 10/23/07 10:29 AM
San Diego Is Burning by Bill Roberts
It's on the national news so everybody is aware of what we are going through, but I'm sure there are lots of questions out there.
I've provided a link to live coverage from Channel 10 (ABC) which will give you a lot of answers.
So far there … (32 comments)
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Retirement Planning for Baby Boomers, part 7 - 10/19/07 02:00 PM
Retirement Planning for Baby Boomers, part 7 by Bill Roberts
Defined Benefit Plan
If you are within 10 years of retirement and you don't have enough set aside to maintain your lifestyle upon retirement, you might want to consider creating your own Defined Benefit Plan Trust. It is a way to accumulate a lot … (10 comments)
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Easy License Renewals: Are They For You? - 10/19/07 12:37 PM
Easy License Renewals: Are They For You? by Bill Roberts
I renewed my California Real Estate Broker's License today. It was really easy. I did it completely on-line with the California Department of Real Estate (DRE).
We have a continuing education (CE) requirement here. I did that on-line as well. I used First … (6 comments)
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I'm Really Tired Of Hearing "Fraud" - 10/12/07 04:11 PM
I'm Really Tired Of Hearing "Fraud" by Bill Roberts
When people lose millions in the stock market because of market action, nobody is yelling "Fraud."
We're not talking about a particular stock, we're talking about the market.
A lot of what has happened in the real estate market is the result of market action.
It … (22 comments)
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I Don't Want To Lose Money On My House. - 10/09/07 02:14 PM
I don't want to lose money on my house by Bill Roberts
I think I may be in over my head. Where is the bottom? What's that? Nobody knows?
Well, just how do you figure what the price should be for my house? What? The price is what a ready, willing, and … (14 comments)
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Three Year Pre-payment Penalty - What's Up With That? - 10/08/07 11:52 AM
Are Mortgage Lenders Ripping You Off? by Bill Roberts
Everybody knows about Loan Origination Fees (points) which are charged up-front and are disclosed to the borrower. That's how the Loan Officer gets paid, right?
You may not be aware of it but the "money" in making loans is in the yield spread premium … (12 comments)
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If You Had Enough Money Would You Ever Work Again? - 10/06/07 10:40 AM
One Hit Wonder, part 2 by Bill Roberts
If you had enough money would you ever work again? This is a legitimate question for us in real estate development. It is quite possible to make enough money on one deal to take care of our needs for the rest of our lives. … (30 comments)
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Broker RoundTable Notes 6 - 10/05/07 04:10 PM
Broker RoundTable Notes 6 by Bill Roberts
Last Wednesday night we had our semi-monthly Broker RoundTable meeting of the Mike Watson Institute of Real Estate Investing. As usual we had about twenty people in attendance. The membership is made up of Mike Watson students. Most of us are real estate brokers but … (2 comments)
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Amazing New Loan Product - 10/03/07 02:39 PM
Amazing New Loan Product by Bill Roberts
At our Windsor Capital monthly breakfast today we had a presentation by Paul Financial on their new "Equity Advantage" loan product.
Right now it is a conforming 30 year fixed with a pay-option component. It is only for well-qualified borrowers 75% LTV or less, O/O, N/O/O, … (6 comments)
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Ray Lucia and Ben Stein "Buckets of Money" - 10/01/07 01:31 PM
Ray Lucia and Ben Stein by Bill Roberts
Saturday I had the great pleasure of attending a Ray Lucia "Buckets of Money" Retirement Workshop. Ray is a local San Diego boy who made good.
He started his career as an insurance salesman. He worked hard. He did all the right things. He acquired … (11 comments)
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