Tish's Blog -Scottsdale Real Estate

Tish Tischer Blog Real Estate Fact or Fiction? Buy or Sell? Sell or Buy ?

Tish Tischer (RE/MAX Excalibur) — Sat, 14 Nov 2009 11:22:47 -0600

Jill Bright

Sales Representative

jill.bright@ctt.com

Cell: 602.525.0790

Fax: 480.538.1960

CHICAGO TITLE INSURANCE CO.

21000 N. Pima Rd. #150

Scottsdale, AZ 85255

You will find many helpful resources and interactive features at: www.chicagotitlearizona.com/bright

Volume 15, Number 43

Economic Highlights for the Week Ending November 13, 2009

MONDAY, November 9^th

The Federal Reserve's senior loan officer survey, which provides information on credit availability and demand at the nation's largest banks, showed still tight credit standards at most institutions; however tightening was not becoming worse. Tight credit standards continued to apply to businesses and consumers alike. Because of this, demand for loans continues to fall off but at a slower rate in the current quarter. Demand for prime, residential mortgages increased as demand for non-traditional mortgages declined.

TUESDAY, November 10^th

The National Association of Realtors reported that the median price for an existing home was up 6.4% in the third quarter from the previous quarter but that prices remained 11.2% lower on a year ago basis. This was the first quarterly gain since early 2007 indicating some stabilization in pricing is occurring. Sales volumes have also improved. Sales price gains could be short-lived though depending on the number of distressed homes that hit the market in coming months.

WEDNESDAY, November 11^th

VETERANS DAY
Equity and Futures Markets Open

THURSDAY, November 12^th

The MBA mortgage applications index increased 3.2% to 627.5% for the week ending November 6. The purchase index tumbled 11.7% last week and remains 22.3% lower than its year ago level. The refinancing index gained 11.3% on the week and is up 140.2% over last year. Low mortgage interest rates continue to provide refinancing opportunities for homeowners wanting to move into more stable, lower cost and long term home financing terms.

Jobless claims fell 14k to 502k for the week ending November 7. Claims have moved into a new lower range however, at just over 500k, initial claims are still elevated indicating a very weak pace of hiring. Improvement is happening in labor market conditions but very slowly.

Long term mortgage rates fell to their lowest level in 5 weeks this week amid strong demand for Treasuries that raised prices and lowered yields in the bond market. The 30-year fixed rate mortgage averaged 4.91% this week down from 4.98% last week according to Freddie Mac's mortgage market survey.

The government ran a $176.4 billion deficit in October compared to a $155.5 billion budget shortfall in October one year ago. Last month's shortfall was the biggest on record for any October. Rapidly rising outlays due to various stimulus programs and significantly lowered revenues as a result of a weakened economy have the Treasury budget on track for another monster deficit for FY2010.

FRIDAY, November 13^th

The international trade deficit widened to $36.5 billion in September from a trade gap of $30.8 billion in August. Both imports and exports rose during the month but imports rose almost twice as fast and account for the larger share of trade activity. Higher oil prices and volumes in September pumped up overall import figures. Trade volumes were up across the board as well, suggesting both domestic and global economies are starting to recover.

Import prices increased 0.7% in October less than an expected gain of 1.0%. Higher petroleum prices have pushed overall import prices up in recent months. Over the past year, import prices have fallen 5.7% but in the last six months they are up 13.3%. Petroleum prices were down 12.2% on the year but have surged 87.0% over the past six months.

Consumer sentiment fell to 66.0 in early November from a reading of 70.6 in October. Sentiment levels remain mired in recessionary territory as consumers wait for relief from job losses, unemployment, higher energy prices and tight credit conditions. Struggling consumers are likely to continue their spending pullback which will impact the economically important holiday shopping season this year.

Stock Market Close for the Week

Index	Latest	A Week Ago	Change
DJIA	10270.47	10023.42	+247.05 or +2.46%
NASDAQ	2167.88	2112.44	+55.44 or +2.62%

WEEK IN ADVANCE

Hopes are that a full economic calendar in the coming week will continue to support the view that the recovery remains on track going into the fourth quarter. Inflation reports, retail sales, housing starts and regional manufacturing surveys highlight.

Key Interest Rates	Latest	6 Mos Ago	1 Yr Ago
Prime Rate	3.25	3.25	4.00
Fed Discount	0.50	0.50	1.25
Fed Funds	0.10	0.17	0.28
11th District COF	1.272	1.627	2.679
10-Year Note	3.42	3.14	3.78
30-Year Treasury Bond	4.36	4.12	4.24
30-Yr Fixed (FHLMC)	4.91	4.86	6.14
15-Yr Fixed (FHLMC)	4.36	4.52	5.81
1-Yr Adj (FHLMC)	4.46	4.71	5.33
6-Mo Libor (FNMA)	0.56438	1.56500	3.12125
Sources: IBC' s Money Fund Report; Bank Rate Monitor; Federal Home Loan Bank of San Francisco

Upward pressure on interest rates
Downward pressure on interest rates
No pressure to change interest rates
News worthy

This Economic Report was sent to: tishtischer@hotmail.com

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This material is provided by license agreement. Any reproduction, distribution, posting, or linking
without prior written permission from Focus Publications is expressly prohibited.

New Paradise Valley, North Scottsdale Real Estate Site:www.ParadiseValleyAzhomeforsale.com

Tish Tischer (RE/MAX Excalibur) — Mon, 09 Nov 2009 04:27:16 -0600

Remax Excalibur offers Unigue 24/7 Method for Buyers, Lookers, Sellers, to get Price, and details on ANY house listing with a sign out front! Two ways to use this service for Free!

Sign up at www.ParadiseValleyAzhomeforsale.com or Call Tish at 480-231-0782. I will need your email address and the best number to reach you.

If you do not want to be contacted at this point, you can just CALL 480-374-1710 for information on any listing in the North Scottsdale, Carefree, Cave Creek, Paradise Valley, Phoenix, Tempe, Mesa, Chandler, Gilbert areas.

Foreclosures, Bank Owned, Short Sales, REO properties all are available for each specific subdivision, and or general area. Neighborhoods too can be provided to you for specific types of properties.

If you are looking for lots for build out -- we have lots available in many price points and communities throughout Arizona and other states as well. Buy lots from 1 to 1,000 at any stage of development - raw land to fully entitled.

Call Tish at 480-231-0782 or on line at www.ParadiseValleyAzhomeforsale.com - November 2009

Village at Market Street and Courtyards at Market Street DC Ranch Homes For Sale

Tish Tischer (RE/MAX Excalibur) — Fri, 11 Sep 2009 07:45:26 -0500

Subject: Village mailing September embedded
Date: Tue, 8 Sep 2009 18:46:17 -0700

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Scottsdale Real Estate, First Time Home Buyers, Tish Tischer Blog

Tish Tischer (RE/MAX Excalibur) — Fri, 11 Sep 2009 07:24:48 -0500

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Maggie Clark
Equity Title Agency, Inc
602-769-5565
http://www.eta-az.com

Dear Agents,

This Class is back by popular demand!!! October is the last chance for your buyers to take advantage of the new HOME BUYERS TAX CREDIT. But that is not all that will be discussed! The Market is HOT! Come find out how you get your buyers into a house NOW! You also get 3 credit hours for Fair Housing! Hope to see you then!!!

Scottsdale Homes For Sale, Golf in Scottsdale, Paradise Valley Homes

Tish Tischer (RE/MAX Excalibur) — Sat, 05 Sep 2009 12:40:57 -0500

“We Get Your Deals Closed”

“Ask me how I can enhance your listing and save your Seller $$$!”

Maggie Clark

Equity Title Agency, Inc

Business Development Manager

Cell: 602-769-5565

E-Mail: MaggieC@eta-az.com

McCormick Ranch Office Northsight Office

7975 N. Hayden Road #C280 13847 N. Northsight #101

Scottsdale, Arizona 85258 Scottsdale, Arizona 85260

Business:480-607-0200 Business: 480-624-3149

Fax:480-607-3370 Fax: 480-315-8378

From: Maggie Clark - Equity Title Agency - Arizona
Sent: Friday, September 04, 2009 3:38 PM
Subject: Market Update 9/3

Maggie Clark
Equity Title Agency, Inc
602-769-5565
http://www.eta-az.com

Dear Agents,

SO – here are the graphs! I have added a new feature to graphs with multiple cities: In the footer, I added a Breakdown By City – so you can see exactly where the numbers are.

As far as the numbers go: There hasn’t been a lot of movement, but the little movement that we did see was all in the wrong direction – except in the SW Valley where their numbers are rocking! They had 64% of their inventory go Pending – that is insane!! And they are closing sales out there, too: 39% closed! WOW. Unfortunately, the numbers aren’t that good in areas like PV….

Currently the Valley’s months of supply is sitting at 4.5 months. 94% of the sales are still coming from properties under $400,000.

By graph

Scottsdale 8.8, Cave Creek 6.6, AJ and Queen Creek 4.4, Ahwatukee 5.0, East Valley 3.7, Fountain Hills 12.3, South West Valley 2.5, Northwest Valley 3.8, Peoria and Glendale 3.0, Paradise Valley 24.1.

Have a wonderful weekend, don’t work too hard, (No please do!!! This way you can bring me escrows!!!) Happy Labor Day. Equity Title Agency, Scottsdale Branch will be closed on Monday, but open bright and early on Tuesday the 8^th to open your escrows!!!!

Maggie Clark
Business Development Manager
Mobile: 602-769-5565
E-Mail: maggiec@eta-az.com

McCormick Ranch Office
7975 N. Hayden Rd., Ste. C280
Scottsdale, AZ 85258
Business: 480-607-0200
Fax: 480-607-3370

Tish Tischer Awarded CRS Designation for Sales in Desert Mountain, DC Ranch, Paradise Valley and Scottsdale

Tish Tischer (RE/MAX Excalibur) — Thu, 27 Aug 2009 00:06:39 -0500

Congratulations on Earning your CRS Designation!‏

From:	crs_mailbot@pobox.crs.net
Sent:	Wed 8/26/09 9:27 PM
To:	tishtischer@hotmail.com

Council Of Residential Specialsits

	Thomas Tischer, CRS
	Congratulations!
	The Council of Residential Specialists is pleased to award you the Certified Residential Specialist (CRS) Designation. As a CRS Designee, you are authorized and encouraged to use the CRS Initials after your name and the CRS logo as set forth in the CRS Guidelines. You may begin using the designation immediately. Your new designee kit containing your CRS pin, certificate, sample press release, and other materials will be sent to you within the coming days.
	CRS Membership Referral Directory
	Your information will be added to the online CRS Directory within the next day. Please be sure to update your information in your CRS Advantage Account at www.crs.com. While you are there you can download a digital copy of your CRS Designation certificate, access materials from the CRS classes you attended or even order advertising for the CRS Directory. Your login ID (Member ID#) is: 6619800 Your password is: hotdog Note: Passwords are case-sensitive. Once you log in you will have the ability to change your password.
	Promotional Materials
	You don't have to wait to receive you new designee kit to learn ways to promote your new designation. The Council's website has many tools available to assist you. The Council has developed guidelines for use and promotion of your designation. You can download a sample press release to announce your new credential. You can also download the CRS Shield logo and add it to your promotional materials.
	Member Connect
	Member Connect is a one-stop online destination where you can find industry news, information and resources that will help you work more productively and achieve greater success. Read the latest industry news, trends and statistics. Participate in discussions in the member forums or start a new topic and find answers to your questions from other CRS Members. Browse the networking section for referral tips or to locate CRS Designees. Member Connect also features a searchable database of real estate articles, including stories from The Residential Specialist magazine and tools and resources with links to articles, podcasts, and sample marketing materials. There is also a product directory of the latest and best-selling books, DVDs, software and accessories for your business and links to books recommended by our instructors or reviewed in The Residential Specialist. In addition, if you have an account on Facebook, be sure to join the CRS Group to network with fellow CRS members. If you have an account on LinkedIn, add the CRS to your profile.
	CRS Online Store
	The CRS Online Store is your source for CRS Quality-Tested books, tapes, tutorials and software programs to help you become more proficient. In addition, now that you have earned your designation you are eligible to purchase any of a number of designation promotion products. From the consumer brochure to CRS Fact Sheets you’ll find the Council has developed tools that provide answers to the questions your clients need and best explain the benefits of having a CRS for all their residential real estate needs.
	©2009 Council of Residential Specialists

SILVERLEAF DC RANCH THE VILLAGE AT MARKET STREET THE COURTYARDS AT MARKET STREET

Tish Tischer (RE/MAX Excalibur) — Tue, 25 Aug 2009 19:38:24 -0500

Scottsdale Real Estate Trends

Tish Tischer (RE/MAX Excalibur) — Wed, 12 Aug 2009 16:09:23 -0500

Residential Focus by Fletcher Wilcox V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.com 602-648-1230
Residential Focus: The Newsletter with the Trends!
Scottsdale Single Family Home Sales
July 2009
Data from ARMLS
By
Fletcher Wilcox
V.P. Business Development
Grand Canyon Title Agency, Inc.
FWilcox@gcta.com 602-648-1230
Single family home sales in Scottsdale for July continued to be hot. July
2009 was the second best month this year for the number of single family
home sales.
July 2009 single family homes sales were 399 or 51% more than the 265
sales in July 2008. The 399 sales in July 2009 were down 6% from the 426
single family sales in June 2009.
On the downside is the mean sales price per square foot. CHART 2 shows it
was $167.42 in July 2009. This is down 11% compared to January 2009
when it was $187.62. Comparing July 2009 to July 2008 the mean sales
price per square foot is down 22% percent or $46.38.
Residential Focus by Fletcher Wilcox V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.com 602-648-1230
Driving down the mean sales price per square foot are sales of lender owned
properties and short sales. CHART 3 shows the July mean sales price per
square foot for lender owned properties at $138.96 compared to $189.12 for
those single family sales that had no special listing conditions.
Table 1 gives a synopsis of July single family home sales by sold price
range, the estimated months of supply, and the percentage of short sales and
lender owned sales by sold price range. Short sales accounted for 14% of
sales while lender owned sales were 32%. So almost half or 46% of single
family home sales were distressed sales (14% + 32% = 46%).
CHART 1
Scottsdale Single Family Home Sales
by Month
Data from ARMLS
265
170 191
245
309
350
426
399
0
100
200
300
400
500
Jul-08 Jan-09 Feb March April May June July
CHART 2
Scottsdale Single Family
Mean Sales Price Per Sq. Ft.
Data from ARMLS
$213.80
$187.62 $185.65 $183.49 $181.80 $175.36 $169.93 $167.42
$0.00
$50.00
$100.00
$150.00
$200.00
$250.00
Jul-08 Jan-09 Feb March April May June July
Residential Focus by Fletcher Wilcox V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.com 602-648-1230
CHART 3
Scottsdale Single Family
July Mean Price Per Sq. Ft. by Listing Condition
Data from ARMLS
$138.96
$156.91
$189.12
$0.00
$50.00
$100.00
$150.00
$200.00
No Special
Lender Owned Short Sale Listing Condition
Table 1
July 2009 Scottsdale Single Family Homes Sales Only
Residential Sold Price
Range Sales
Active
Listings
on
August
11,
2009
Estimated
Months of
Supply
Mean Price
Per Sq. Ft.
Short
Sales
(No.)
Short
Sales
(%)
Lender-
Owned
Sales
(No.)
Lender-
Owned
Sales (
%)
Other
Sales
(No.)
Other
Sales
(%) Total
Under 250,000 80 134 1.7 $122.33 12 15% 33 41% 35 44% 100%
250,000 to 299,999 36 110 3.1 $145.65 4 11% 14 39% 18 50% 100%
300,000 to 349,999 46 108 2.3 $149.48 1 2% 18 39% 27 59% 100%
350,000 to 399,999 35 161 4.6 $148.77 6 17% 13 37% 16 46% 100%
400,000 to 499,999 40 267 6.7 $163.48 5 13% 14 35% 21 53% 101%
500,000 to 599,999 51 275 5.4 $171.98 6 12% 13 25% 32 63% 100%
600,000 to 699,999 40 232 5.8 $186.22 10 25% 8 20% 22 55% 100%
700,000 to 799,999 10 180 18.0 $186.63 2 20% 4 40% 4 40% 100%
800,000 to 899,999 15 159 10.6 $198.06 4 27% 2 13% 9 60% 100%
900,000 to 999,999 7 153 21.9 $237.50 0 0% 0 0% 7 100% 100%
1,000,000 to 1,499,999 25 378 15.1 $251.07 4 16% 5 20% 16 64% 100%
1,500,000 to 1,999,999 8 241 30.1 $293.45 2 25% 1 13% 5 63% 100%
2,000,000 to 2,999,999 5 231 46.2 $337.72 0 0% 1 20% 4 80% 100%
Over 3,000,000 1 154 154.0 $343.43 0 0% 0 0% 1 100% 100%
TOTAL 399 2,783 6.9 $167.78 56 14% 126 32% 217 54% 100%
Note: Percentages may add up to 99% or 101% because of rounding of numbers.
Residential Focus by Fletcher Wilcox V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.com 602-648-1230
Please contact me with your feedback and comments. And remember Grand
Canyon Title Agency, Inc. on your next short sale or normal sale. It would
be much appreciated! Contact me for an introduction to one of our escrow
officers.
Fletcher Wilcox
V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.Com 602-648-1230
Class on Foreclosure and Short Sales for three legal hours!
Learn about the foreclosure process, the new anti-deficiency law and
discuss short sale contract scenarios, financing of lender owned
properties and short sales and more.
Date: Thursday, August 20th from 1:00 p.m. to 4:00 pm
Where: Grand Canyon Title Agency, Inc. –Pinnacle Peak Office
7308 E. Deer Valley Rd., Ste. 110
Scottsdale, 85255
Must RSVP to Kas@gcta.com or CROE@gcta.com
Cost is $5.00 at door. Seating is limited.
Residential Focus does not guarantee the accuracy of the data in this report. Some
numbers will adjusted. Report may not reflect all real estate activity. Information
should be verified. This article is of a general nature, and is not intended as legal,
real estate or lending advice. Please consult your broker, your lender and your own
independent legal counsel. The information in this report may not be the opinion of
of Grand Canyon Title Agency, Inc.
Residential Focus by Fletcher Wilcox V.P. Grand Canyon Title Agency, Inc.
FWilcox@GCTA.com 602-648-1230
Residential Focus
By
Fletcher Wilcox
V. P. Business Development for Grand Canyon Title Agency, Inc.
Fwilcox@gcta.com 602.648-1230
• Fletcher is proud to be a part of Grand Canyon Title Agency, Inc. The company has been closing
escrows in the Valley for twenty-six years and has sixteen escrow offices in the Valley.
• Born and raised in Arizona, Fletcher remained in the state to receive his Bachelor of Science
degree and a Master of Arts degree from Arizona State University.
• Obtained an Arizona Real Estate license in 1985. Co-listed and closed a $2.5 million dollar
commercial property in 1986.
• Is a member of the Arizona Association of Realtors www.AAROnline.com and the Scottsdale
Area Association of Realtors www.SAAROnline.com. Is a director on the Arizona Mortgage
Lenders Association Board www.azmortgagelenders.com/ and a member of the Arizona State
Escrow Association http://www.azsea.org/
• Is the statistician for the Scottsdale Luxury Tour and
http://www.saaronline.com/marketing/scottsdale.php
• Is the publicity coordinator and statistician for the Heart of Scottsdale Tour
http://www.saaronline.com/marketing/scottsdale.php
• Fletcher speaks throughout the Valley on residential real estate trends. He produces the email
newsletter Residential Focus, which focuses on the residential market. He is a contributing
Columnist for the Arizona Journal of Real Estate & Business; Teaches renewal courses on the
Residential Resale Real Estate Purchase Contract, FHA contract writing, short sales and
foreclosures at the Arizona School of Real Estate & Business.
• 2008 marked the third time Fletcher chaired the Industry Partners Conference. This real estate
conference is a partnership involving the Arizona Association of REALTORS, the Arizona
Mortgage Lenders Association and the Arizona State Escrow Association.
• To promote music and the arts Fletcher joined Alice Cooper’s Solid Rock organization as a board
member. The goal is to build a music and arts center.
• For eleven years served as a citizen board member on the Phoenix Police Department’s
Disciplinary Review & Use of Force Boards.
• Fletcher started snowboarding in 2008 going on six trips. He is not very good.D

Mike Parker - Internet and Real Estate

Tish Tischer (RE/MAX Excalibur) — Sat, 08 Aug 2009 19:02:11 -0500

How Online Marketing Success Has Helped One Agent Live His Dream

By Mike Parker

RISMEDIA, May 15, 2009-Unless one has been beaten down by life, we all cling to dreams in the most private parts of our minds. These dreams can apply toward all segments of our existence, but rarely is it that after a certain age we find ourselves actually fulfilling work-related dreams that involve a wholesale relocation of our business to a place thousands of miles away that has been a beacon in those dreams. Douglas Fischer is doing it now, for the second time, and he is able to do it because he has cracked the code of how to succeed at selling property online. Doug is a Coldwell Banker agent in Palm Desert, California-an area especially hard hit by the events of the past year. His online marketing skills enabled him to sell 25 homes in the past year with prices ranging from $144K to $1,575K. He’s got seven houses in escrow right now in a wide variety of price ranges. Doug grew up in the State of Washington, where it rains often, and he dreamed of living in a place that was warm and sunny all the time. Seven years ago, he moved to Palm Desert and began his practice from scratch.

100% of his business comes from the Internet and it kept him safe

“Although this area is known as Palm Springs, it actually consists of a valley, the Coachella Valley, where you will find 8 different cites spread out over several hundred square miles,” Doug told me. “I live and work in the middle, Palm Desert, but I know and sell properties anywhere in the valley. I also sell investment properties and multi-family. I diversified on purpose so that I would have many possibilities at any time. I aimed my business at the Internet for the same reason. I now obtain 10-20 good leads per week, all with valid email addresses and phone numbers, from my website. These leads go into my database each week, which now numbers some 2,500 people who have visited my website and signed in. I stay in touch with these folks monthly with my newsletter: I actually send out three differently targeted newsletters once or twice each month to keep my name and business in front of these people. My website gives me leads looking to buy now and leads looking to buy later-maybe Palm Springs is in their dreams. Whatever the case, a number of these in my database turn into closings every month. I feel like I have sales stashed in my “Internet bank account” and that I can ride out any market issues because of it. I’ve built this safety net entirely through my website and the people who visit it.”

He designed his success and he gives constant value to his prospects to continue it

“I specifically set out creating the site to be lead generating in a way that was passive for the visitor. I run small line ads in classifieds to bring more people to my site. When they ask for a list of whatever I am offering, I capture their information if they choose to sign in and put them into my database of interested prospects. I also call them immediately, because they expect that. I have a 35-page packet I send out to prospects titled, “How to market your property in the 21st Century.” In it, I describe my online presence and success, with screenshots from my website. I get most of my listings that way. I believe that the number one reason that I do so well is that I offer hassle-free information, mostly current listings, NOT IDX, that is updated daily; and I am responsive to all inquiries, answering all email in minutes. I also offer to research properties that are bargain priced, and many people seem to be looking for that today. The 4-6 hours a week I spend on updating the site and following up are well worth the effort.”

Living the dream and moving his business 3,000 miles to the west

“We bought our condo in Hawaii, sight unseen (except online), and I will move my permanent residence there within the next six months, but I will continue to work in the desert for 1-2 more years. I will gradually phase myself out of handling the leads and share them with three other agents on a commission-split basis. I will continue to do all the online work, newsletters, lead follow-up etc., so that when I turn the lead over to one of my associates, it will be close to writing an offer or getting into contract. I can do all this online, from anywhere in the world, and that is how the Internet has allowed me to live out my dream: I am the business, and I can handle my business from anywhere there is a broadband connection and cell phone coverage. Meanwhile, I will also start working in Honolulu-virtually. I’ll use the same methods and techniques there that I use in the desert, and as business from Hawaii becomes more of the mix, I will start phasing myself out of the desert over the next year or two. My success in making the Internet work for me has empowered me in ways I can’t even begin to describe-sure, I am successful in my business, but it’s more than that, I’m able to live my life the way I want to without regard to geography. My buyers come from everywhere and I can handle them professionally anywhere. All those things are the power of the Internet! I can literally sit on the beach in Hawaii and carry on business with a buyer sitting in his living room in the frozen tundra somewhere; each of us connected to each other and fully functioning.”

Maybe you have a simpler dream

Perhaps you simply have a dream of tapping in to where 87% of residential real estate sales start (the Internet). Not many agents are as laser-focused on the Internet as Doug is, and many don’t have the technological know-how to make it work for them. Maybe you harbor no Hawaiian dreams, maybe you just want to get your kids through college, or get in shape for the ability to live well when you retire. The power of the Internet can bring those things to you, as well. “I’m a client of CompassSearch,” Doug says, “and I love the total transparency of their work; having the ability to actually see what is being done for me behind the scenes. I also love the reporting tools and the ability they give me to monitor and adjust what I am doing on my site. While I’m very proud of my success and my efforts in making that happen, when someone goes to Google and types in “Palm Springs MLS,” they’ll find my site. That couldn’t happen without CompassSearch, and it is the first step in succeeding online: being found by Internet shoppers. All the work I do and all the good advice I get from the people at Compass wouldn’t matter if my site can’t be found. But it is found, and Internet shoppers found me 2,425 times in recent months, under 500 different real estate-related search terms. You can bet that Compass will be on my team in Honolulu, too.”

About the Author: Mike Parker (mparker@theblackwatercg.com) specializes in online marketing services for Realtors® and real estate professionals. To request a free review of your website to determine if it is set up properly to be effective click here and it will be evaluated free. NOTE: For the next 90 days (May, June, July of 2009), any new client will receive a FREE Professional website as part of their subscription for one year, built and set up to succeed, if needed. You can keep the one you have and harvest leads from the one we build for you, if you like. We’ll be happy to do everything in this article for you except sell homes to the leads you receive.

Week In Review from Jill

Tish Tischer (RE/MAX Excalibur) — Fri, 07 Aug 2009 18:34:47 -0500

Volume 15, Number 29

Economic Highlights for the Week Ending August 7, 2009

MONDAY, August 3^rd

The ISM manufacturing index increased to 48.9% in July from a level of 44.8% in June. The July index reading is just below the key 50% level which indicates mild contraction in total factory activity, nationwide. Stronger new orders bode well for future production while higher employment and inventories suggest improvement in current activity. Manufacturing activity remains weak and will likely float around the breakeven line this year and into next.

Motor vehicle sales received a boost from the cash-for-clunkers program, rising 15.8% in July to an annualized pace of 10.2 million units. Nevertheless, the lift from the government program was less than expected, given the cost. August vehicle sales will also receive a boost and auto dealers and manufacturers will have significantly reduced their inventories. Vehicle sales will likely slump again, after the government cash runs out.

TUESDAY, August 4^th

The pending home sales index, which tracks the number of signed contracts, rose for the fifth straight month, gaining 3.6% in June to a level of 94.6. The monthly gain and the level of the index indicate stronger existing home sales in the July to August timeframe. Because they are rising from a very weak level, the pace of existing home sales, while improved will likely remain subdued.

Personal income fell 1.3% in June led by a sharp drawback in transfer payments related to the stimulus package, though wages and salaries were also weak because of soft labor market conditions. Consumer spending jumped 0.4% in June which was largely due to higher gas prices. A closely watched inflation gauge contained in this data series, the PCE price index shot 0.5% higher in June also related to higher energy costs.

WEDNESDAY, August 5^th

The MBA mortgage applications index increased 4.4% to 517.3% for the week ending July 31. The purchase index edged 0.9% higher for the week as the refinance index jumped 7.2%. Application activity has been slow but steady on the purchase side while refinance activity seems to bounce around in response to movement in long-term fixed mortgage rates.

The ISM non-manufacturing index fell to 46.4% in July from 47.0% in June. The level of the index suggests sluggish activity in the services, construction and government sectors of the economy. Service sector activity remains weak but the steep declines have abated for now.

THURSDAY, August 6^th

Jobless claims fell 38k to 550k for the week ending August 1. The Labor Department reported no special factors that may have distorted the data this week so the drop in jobless claims clearly points to some fundamental improvement in labor market conditions. We hope to see fewer declines in July payrolls, due out tomorrow.

Mortgage rates eased this week despite better economic data readings and higher yields in the bond market. 30-year fixed rate mortgages averaged 5.22% this week compared to 5.25% last week according to Freddie Mac's mortgage market survey.

FRIDAY, August 7^th

Payroll employment declined by 247,000 in July compared to market expectations for a 328,000 drop. Job losses were broad based across most industries with only various services and the government reporting small job gains. Nevertheless, this was the smallest payroll decline since August of last year. Since the recession began in December 2007, 6.664 million jobs have been lost. The unemployment rate unexpectedly fell to 9.4% of the workforce, down from 9.5% in the previous month.

Stock Market Close for the Week

Index	Latest	A Week Ago	Change
DJIA	9370.07	9171.61	+198.46 or +2.16%
NASDAQ	2000.25	1978.50	+21.75 or +1.10%

WEEK IN ADVANCE

Data releases in the week ahead focus on consumer spending and inflation. We will hear from the Fed mid-week when the post-FOMC meeting policy statement comes out. No rate change is expected but the statement could provide some insights on how the Fed sees the recovery shaping up. Also, the Treasury is set to sell another $75 billion in notes and bonds in three separate auctions.

Father Phil -- JOY!

Tish Tischer (RE/MAX Excalibur) — Mon, 15 Jun 2009 14:07:14 -0500

THE EPISCOPAL PARISH OF SAINT BARNABAS ON THE DESERT

SIXTH SUNDAY OF EASTER

May 17, 2009

Enjoy! Enjoy!

You have now heard everything I have to say this morning. But there is so much more to say because this is at the very heart of my Biblical faith and what I believe it means to be a Christian...

Author Harry Golden grew up on the Lower East Side of New York City in the early part of the last century. In one of his essays he speaks of his Mother’s faith in God. His Father was an intellectual who spent a lot of his time discussing God. Golden writes: “My mother, of course thought all those discussions were nonsense. She cooked and sewed and cleaned for the family and the neighbors. Even if a dish turned out well she would not take credit. The credit went to God. My mother talked with God all the time, actual conversations.”

Out of this faith came one of the few English words she knew—Enjoy! Golden writes, “When my Mother served our meals and placed before us a dish that may have turned out particularly well, she would always say, ‘Enjoy, enjoy’. The word covered hundreds of other situations. When the school had an outing and we all went off with our teachers, the last thing we heard going out the door was, ‘Enjoy, enjoy’.”

For nearly fifty years, Harry Golden’s mother’s faith and admonition have given illustration to a basic tenet of my Biblical faith—Enjoy!

One sentence in the Gospel this morning is one of a dozen passages of Scripture that provide the framework of my faith.

In the midst of a long conversation with his disciples, Jesus put it this way: “I have said these things to you so that my joy may be in you, and that your joy may be complete.” (John 15:11)

Out of her deep faith, Mrs. Golden put it this way: Enjoy! Enjoy!

I put it this way: God wants us to enjoy this life—and the next. In Jesus he has given us the way. Walk the path with me for a few moments.

Jesus said, “I have said these things…” What things?

Be at one with God. “I am the vine, you are the branches. Those who abide in me and I in them bear much fruit, because apart from me you can do nothing.” (John 15:5)

Be at one with yourself and your neighbor. “This is my commandment, that you love one another as I have loved you.” (John 15:12)

It all comes together in Matthew’s gospel at a time the enemies of Jesus are trying to trap him into saying something for which he could be arrested. One asked, “…which commandment in the law is the greatest?’” and he replied, “You shall love the Lord your God with all your heart, and with all your soul, and with all your mind. This is the greatest and first commandment. And the second is like unto it: You shall love your neighbor as yourself.” (Matthew 23:36-39)

Be at one with God. Be at one with yourself and your neighbor. But there is yet one more thing he said that is of critical importance. As you read a little beyond our lesson today Jesus reminds his disciples that “If the world hates you, be aware that it hated me before it hated you. If you belonged to the world, the world would love you as its own.” (John 15:18-19) Don’t abandon the world. Just don’t be owned by it.

If we are at one with God and at one with ourselves and our neighbors, it is not possible for the world to own us. Conversely, it the world owns us it is not possible to be at one with God and at one with ourselves and our neighbors. We cannot enjoy the world if the world owns us. It is that simple.

Jesus said, “I have said these things to you so that my joy may be in you, and that your joy may be complete.” What is the joy that these things bring?

First let me say, the joy promised is not the mad dash for happiness we see in the proliferation of books on the subject nor the ever expanding market for better living through chemistry nor the preachers promising financial success.

I have followed the current financial crisis economically and sociologically. From a theological point of view, I am convinced that at the bottom of it all is the thought that we have a right to happiness.

In a recent column, David Brooks comments on a study of 268 prominent young men who entered Harvard College in the late 1930’s. These were young men who had everything the world had to offer and yet over the years many of them made a mess of their lives. Brooks writes: “There is a complexity to human affairs before which science and analysis simply stands mute.” I believe that it is in that complexity we find the promised joy.

Of course, the promised joy is happiness, but it is also sadness. It is deeper than both. It is a mystery that keeps opening to us as we walk life’s way. And it is a gift. It was demonstrated on the cross and made real in the empty tomb.

Between the pursuit of happiness and the gift of joy is a very fine, perhaps mystical, border where we come face to face with God—where “science and analysis simply stand mute”.

There is so much I want to say about this joy because it is so central to my Biblical faith—to my understanding of what it means to be a Christian. Let me put it as starkly as I can: I enjoy both the grandeur of the Rocky Mountains and the glitz of the Las Vegas strip—recognizing each for what they are. I believe that is Biblical joy.

The movie Angels and Demons premiered Friday. The critics and panned it and the religious folks have dammed it. It’s just a story. It’s curious to me that we have so much trouble having fun with our religion—poking fun at it a bit.

Someone said, “Life’s journey is not to arrive at the grave safely in a well preserved body, but rather to skid in sideways totally worn out shouting ‘Wow, what a ride!’” I believe that is Biblical joy.

In my life I have experienced the normal highs and low, successes and failures but I have never experienced anything catastrophic. If I do, it is my prayer that I will have the faith to experience the joy of those terminally sick persons who decide to spend their days living rather than dying. It has been said, “Life is not about waiting for the storm to pass. It’s about learning to dance in the rain.” I believe that is Biblical joy.

I believe God wants us to enjoy this life—and the next.

Be at one with God. Be at one with yourself and your neighbor. Don’t let the world own you.

The travel writer, William Least Half-Moon, shares the complaint of a woman he met. “I got a livin’ room, but in my life I got no room to live and that means I’m doin’ some wrong livin’”.

Jesus said, “I have said these things to you so that my joy may be in you, and that your joy may be complete.”

Out of her life of faith, Harry Golden’s mother said it all. Enjoy! Enjoy! Amen.

Philip Lawrence Carlson+

CDPE - Certified Distressed Property Expert - Tom Tischer - Scottsdale

Tish Tischer (RE/MAX Excalibur) — Thu, 04 Jun 2009 09:49:39 -0500

Short Sales challenge us to be kind. There are many people involved in a short sale all of whom have must to loose and or gain in the transaction. The business ethic of win'-win becomes an issue of selfishness or kindness.

My current thoughts as a listing agent of short sales is to see that the property is improved over the months of a short sale process. If a home has two loans on it from two different banks or lending institutions you can expect a long negotiation period. -- 45-90 days. During that time I have on two occasions had 2 offers go in and out of escrow on to close on a third offer.

The critical pieces are to talk with the loss mitigators and work out the agreed settlement amount from the 2nd and the 1st. Continue to market the home and lower the price regularly so that you always have a good or better backup offer if your primary disappears.

Remember to not submit an incomplete short sale package. It must be complete and easy to understand. The hardship letter must be compelling.

A short sale is much better than a foreclosure on your credit and can be less painful if done with a CDPE.

Tish - Tom Tischer, Associate Broker, CDPE (Certified Distressed Property Expert) 480-231-0782

Short Sales - Great Deals If You Know Exactly What To Do -- Tish Tischer Success

Tish Tischer (RE/MAX Excalibur) — Sun, 31 May 2009 10:41:48 -0500

Scottsdale, Paradise Valley, Carefree are full of really good deals in every price range. The Bank owned properties (REO) close quickly and for good price however they always need considerable work to be functional. Often these properties need new appliances, and evrything from flooring to roofing.

Short Sale -- still owned by the person in it! That Owner must sign the Purchase contract -- BUT -- The Bank that holds the Note and the Title must approve the sale as they take the loss between what is owed and what the Purchase contract indicates.

2nd Notes on the same property complicate the process even more. -- If the second note holder does not accept what the First note holder offers the @nd then the property goes to foreclosure and from there it either goes to auction by the Bank and/or the Bank lists the Property as an REO -- REO means owned by the Bank and stands for Real Estate Owned (REO) by the Bank or Mortgage holder or 3rd party.

Use a CDPE for any of this transactions. They know what to do and can save you money and time as well as give you a much better chance of closing a deal on a good property. CDPE is a Certified Distressed Property Expert.!

Got Questions? Give me a call 480-231-0782!

Short Sale better than Jingle Mail i - Foreclosure Avoidance -Tischer Certified Distressed Property Expert (CDPE)

Tish Tischer (RE/MAX Excalibur) — Mon, 16 Mar 2009 08:25:15 -0500

If you have a destressed property issue talk to Tom Tischer, Certified Distressed Property Expert in Scottsdale, Arizona. There are alternatives that will optimize your situation and keep you from either losing your home and or wipe out your retirement. Short Sale is a practical solution to some situations which can be done efficiently and completed in a timely manner when done through the CDPE method. Whether you are Buying or Selling Short Sale properties advantages are many.

For the Buyer of CDPE listed property, you will most likely get a quicker answer on your offer and close escrow in an average of 6 weeks and often as quickly as 4 weeks. The property is often in much better condition that a foreclosed property.(not always) Pride of ownership often comes with short sale.

For the Seller,and the buyer a short sale does not show up on title as a foreclosure does.

If you would like more information from CDPE Tish Tischer, email TishTischer@hotmail.com Phone is 480-231-0782.

CDPE - Certified Distressed Property Expert - Tom Tischer - Scottsdale

Tish Tischer (RE/MAX Excalibur) — Sun, 15 Mar 2009 09:58:33 -0500

This last week I completed the best most regorous education on Distressed Properties. This 16 hour Designation Course, CDPE, Certified Distressed Property Expert, has given me the tools to finally be able to help all those people that do not want a foreclosure on their credit and are willing to do the work necessary to work through this most difficult time.

It is a whole new world of real estate now. With CDPE I now have the answers to help people buy and sell homes and know that I have been a great service to both sides. Knowledge is key to overcoming the fear of the unknown and coupled with faith and hard work You can help you and your loved ones deal with an economy that offers a great deal of opportunity in this time of trial.

Scottsdale, Paradise Valley, Carefree, and Maricopa County need the services of Tom Tischer, CDPE, Remax Excalibur, 480-231-0782 to reduce the fear, educate on the many options available and in most cases avoid foreclosure.

Future blogs will be on the vehicles for a new life - next - Short Sales are Good - when done the CDPE way. - Expect a Close of Escrow in as short as 5 weeks and an average of 6 weeks.

Medical Implants For Sports Injuries of the Femur and Tibia (Uni) Arthroscopically

Tish Tischer (RE/MAX Excalibur) — Mon, 17 Nov 2008 17:32:14 -0600

In the 1970's Charles Townley, MD from Michigan designed a one compartment knee replacement which was not constrained and allowed for good range of motion. The implant did particularly well when properly aligned and failed quickly if positioned incorrectly. Townley used a blum line and his thumb to line up his cuts and his implant.

Today, we are implanting uni-knees arthroscopically using a 1/4 inch incision. -- more challenging seeing the space but much less tramatic to the patient. 2 to 4 incisions and often a much quicker recovery with much less rehab. --

Who are candidates for a uniknee replacement? Patients with Chondral defects of the femur and tibial plateau contained lesions, usually caused by injury. Patients should have little or no active osteo-arthritis. Contra indicated for RA as a total knee is often necessary.

Oxford UniKnee has been on the market longer than any commercially available uniknee. A new design will be available for selected surgeons for arthroscopic implantation from a new Company - Want more information, give me a call. 480-231-0782,

October 16,2008 Nanotechnology The Future of Spinal Implants and Drug Delivery Systems

Tish Tischer (RE/MAX Excalibur) — Thu, 16 Oct 2008 15:58:35 -0500

Want to get some ideas -- chew on this information from :

10th October 2008

This week's Nature Biotechnology features a special focus on DNA sequencing, and the challenges of developing future technologies that will substantially increase the power and utility of sequencing.

A special feature on nanopore sequencing is authored by the world's leading nanopore researchers, many of whom collaborate with Oxford Nanopore Technologies. The feature includes an outline of the system under development at the company, combining a protein nanopore with a processive enzyme to produce a sequencing system that can be arrayed on a silicon chip.

In an article in the same edition, Jeffery Schloss discusses the NHGRI's Sequencing Technology programme and outlines "How to get genomes at one ten-thousandth the cost". He highlights that nanopore projects dominate the $1,000 genome grants, noting that "For nanopore sequencing, challenges include reliable and reproducible pore fabrication, sensor and electronics integration, control of the motion and orientation of DNA as it traverses the sensor, and the key challenge of concepts and methods to distinguish between the bases." Oxford Nanopore continues to make substantial progress in all of these areas.

To read the Nature Biotechnology nanopore review abstract, click here , and for the Jeffery Schloss article click here (subscription required for full text).

Please visit the website at www.nanoporetech.com or contact us on news@nanoporetech.com for further information.

My opinion is we need to begin exchange between the science community and the surgeon/radiologic, and manufacturing communities to focus on the easiest to commercialize solutions to fund the more difficult solutions. Commercialization can drive the engine of research.

October 11,2008 - A Perfect Day in Scottsdale - Homes at 2003 Prices! Good Mortgages Available

Tish Tischer (RE/MAX Excalibur) — Sat, 11 Oct 2008 12:17:52 -0500

What a fantastic place to live! Great weather, Great People, Great Community,absolutely everything anyone could ever want in a community. We are so very lucky to live in America, Arizona, and Scottsdale! The smart money continues to buy in Scottsdale but now at 2003 prices. The only more expensive are the new ones! And they are at 2004 prices.

Do you think about the emails you send out? Matt Silverman wrote a great article in the Phoenix Business Journal on October 3rd --

His list of most often mistakes: 1. Too much Emotion. 2. The dreaded cc and the reply all functions. 3.Poor Quality writing. 4.poor decission to sent in the first place. 5. Don't Hide behind email! 6. Don't rush the email.

His primary example was a HR person sending out a mass email to all employees telegraphing a layoff of key executives and all the details. --- Sounds like that person has a short career -- at least with that employer.

If you have good credit -- and a bad mortgage, it may be time to refinance. If your adjustable rate mortgage is going up soon or has gone up and you are over 7% and you have 20 or more percent equity in your home, there are long term fixed mortgages in the 6-7 percent range with the major banks. If you want help give me a call -480-231-0782.

2 New Homes in Candlewood Estates at Troon North available - 895K and 1.205 million. -- built in 2007 and 2003. Call to see- 480-231-0782.

Candlewood Estates - Good Values as Prices Stabilize - 3 Way Trades

Tish Tischer (RE/MAX Excalibur) — Sun, 05 Oct 2008 23:00:25 -0500

Troon North - Candlewood Estates has begun to recover from the price declines. One of the most desireable communities in Troon has no short sales or bank owned property and yet prices are now just under $300 a square foot.

Contemporary Homes hold value when in short supply and now is the time in Candlewood to Buy. If you would like a tour of great classic design homes in the Troon Area from $1-10 Million dollars, give me a call at 480-231-0782 or email tishtischer@hotmail.com.

Have a home to sell and want to move up or down -- lets work on a 3 way trade. We make them happen and we arrange the financing too.

Buyers Market is strong and great homes are available at 2001 prices! Good time to buy rentals too! You don't need Bank Owned Property to get Great DEALS! -- Check out ExcaliburRealEstate.com or Remax.com for great values and all in one place.

Counter to the Crowd is where the profits are made. To make money in real estate -- it is all about Buying at the right Price -- at the right TIME.

Phoenix Markets - Short Sales - Foreclosures - REO Properties - Smart Money- Vulture Capital

Tish Tischer (RE/MAX Excalibur) — Thu, 04 Sep 2008 12:58:48 -0500

Tish Tischer Blog - September #1 -08

Figures are in for August - sales in 2007 - 5,947, sales in 2008 for August 4,346. Average sales price Scottsdale and Paradise Valley was $680,385 and the median Days on Market was 121. ( Half sold in less than 121 and half sold in more than 121 days.

The most frequent question I am asked is, "What is a Short Sale". A listed property becomes a short sale when the price of the home is less than the money owed for the home. The home owner may list the home for sale but the mortgage holder has the right and will have the power to approve or disapprove of the sale.

Short Sales often sell for more than asking price and often are sold by the listing Agency however there is no advantage for the Buyer to go through the listing agent as the Seller's agent has a fiduciary responsibility to the sellers.

A purchase contract written on a Short Sale often will sit for weeks with no answer. Opportunities are often missed while waiting on a short sale only to find that you offer was trumped by another offer.

REO Property -- Real Estate Owned Property -- or Foreclosed property -- or Bank Owned property --after a property has not been sold as a SHORT SALE, it goes to auction, if not sold at auction on the steps of the court house, the property transfers back to the Bank -- Foreclosure is complete. At this point the Bank hires a real estate Broker and the property is now listed on the multiple listing service by the brokerage as an REO or real Estate Owned or Bank Owned Property. Often banks list these properties low in order to get them off their books as soon as possible as the banks can not make money on money tied up in real estate.

Have questions: Give me a call: 480-231-0782 Tish

Tish Tischer Blog: Carl Jung, Tischer, Cloud of Unknowing, Cloud of Forgeting

Tish Tischer (RE/MAX Excalibur) — Thu, 14 Aug 2008 23:38:25 -0500

Tish Tischer Blog - Dark nights of the soul require emptying of the memory - forgeting. - meditation - a simple mantra, driven by humility takes us back to the arms of our God. Forgeting self or as Jung says, the false self allows our souls to reconnect to now reality and our God. Humility allows us to attain a state of "Unknowing" and from that state we can progress to a further state of forgetting. In emptiness we meet God as "Who We Are" and we rejoin all that is God in Love.

To prepare for emptying our souls, we must routine -- daily - Mother Teresa took six hours a day. She may have been far closer than I however, I believe that practice of routine can take anyone to God in minutes rather than hours if one lives in peace and kindness.

Lao Tzu in the Tao Te Ching explains the ability to practice forgeting and unknowing. From nano technology to new universes the Tao allows us to rest in size, rest in peace, rest in kindness/ Love.

Transfiguration of the soul takes all our false ego and returns us to emptiness which is God. Fullness and Emptiness are in unknowing. Unknowing is in forgeting.

The Tao -- We are all made of One -All is One - Free as Ordered - Timeless - Not of one World - Only One!

We may live believing we know but we exist not knowing and empty. Kindness from Love makes Life Human.

All Thanks Be To God! May we Live in Love, kindness, empty of self and free in unknowing!

Tish Tischer Blog - Arizona Nanotechnology Opportunity Great - T Gen

Tish Tischer (RE/MAX Excalibur) — Tue, 29 Jul 2008 22:09:02 -0500

Tish Tischer Blog - Phoenix - Scottsdale - Arizona State University, Universtiy of Arizona and Northern Arizona continue to build the infrastructure to be in the top 10 locations in the world for Nanotechnology of every imaginable type. The T-Gen Consortium, the development projects with private and public sector forces continue will soon be linked by Light Rail -- (Tucson will have to wait). -

Oxford's Spike Willcocks of nanotechnology fame should be recruited to head-up the latest consortium with Dr. Crow's direction! The Oxford- Cambridge connection will add credentials to the highly regarded group in place.

Dr. Willcocks would add a new sport to the State -- He is one of the top Court Tennis players in the UK and in the World for that matter.

I heard he may be in a YouTube video again soon -- but not with his tennis racket? -- His current female sparring partner will no doubt get the best of him.

Opportunity for Personal Development, Financial Success continues to grow in Arizona. Building continues. Phoenix is nearing critical mass.

With the NAR (National Rifle Association ) convention scheduled for the Grand Opening of the 1200 room Sheraton in January 2009, The Sheraton will be booked full throughout 2009.

The Phoenix Convenition Center has been doubled in size and will be finished too in time for the NRA.

Phoenix needs additional Hotels in downtown and they are planned but need help in the financing area. If you have money -- now is the time to invest in downtown Phoenix -- The developers are willing to deal!

Tish Tischer Blog - Restaurants - Contractors - Lenders - Vacations -

Tish Tischer (RE/MAX Excalibur) — Tue, 29 Jul 2008 09:19:47 -0500

Tish Tischer Blog - Arizona, particularly The Valley Of The Sun, is hot in the summer! And mostly Clear! This is Good! The New and The OLD natives head for the cooler climates for portions of July and August -- our known Monsoon season!

Tish's Referral Directory is becoming a Source of Referred Businesses and Services as well as Places!

Email : TishTischer@hotmail.com with Your Favorites : Contractors, Services, Restaurants, Vacation spots. Include how long or how often you use the service or go the vacation spot or any information you want from others on their referrals. - Please give web sites and phone numbers where possible. --

When you are in need of Referral Service: Click on www.TischerRealtor.com - go to the bottom of the lst page and click on Referral Directory! -- enter in keyword - type of service, or City, or type of service and an alphanumeric list will appear!

Oh, By The Way, I am never too busy for You, or any of your Family and Friends looking to Buy or Sell real estate. Just call with their name and number and I will give them the service my customers have come to expect. Call 480-231-0782.

It is a Good Life! Tish

Buy Against the MARKET! When everyone is Selling -- Buy When everyone is Buying -- Maybe Sell! The only reason to sell investment property is to buy higher return property and only if you can not barrow the needed cash. Great investments abound today in Arizona. Most long term wealth is made in the Down Markets -- before the bottom!

Tish Tischer Blog - Our Homes Are Not Credit Cards or ATM

Tish Tischer (RE/MAX Excalibur) — Tue, 29 Jul 2008 08:58:47 -0500

Tish Tischer Blog - Debt in the US , family debt has tripled in the last 4 years! Housing Prices in the US average 6.9 percent increase over the last 50 years -- on a 7-14 year cycle. -- the extreme of this current downturn was exaserbated by 911. High demand coupled with a temporary halt to construction lead to a short term shortage of homes and the runup of prices experienced in 2004-2007.

Production caught demand in 2006 and inventory burgeoned.

Today, the collision of excess barrowing, questionable lending practices, falling home prices, a credit crisis and we have the golden goose eating its own eggs. Recession is when we have a job but cannot pay all our obligations, Depression is when we don't have a job and can't pay any of our bills.

Confidence is the way out but that requires Faith -- and Faith requires work. Kindness and work produce Good.

Discipline to Serve Others - Serves the Common Good. Thus, Serve God and Your Fellow Man -- makes a lot of sense. Credit Card Housing does not serve the Common Good. - It is greed based and selfish. As a society we need to serve others to create value. We once had usary laws that protected the less capable from excess interest charges. What happened?

Each of us can barrow less and save more which means invest in our society than barrow from it. We are fortunate that productivity continues to improve with scientific help but the propesity to save seems to still evade many of us - the answer to this turn down in the economy is for us to invest in productivity and make this a better place in which to live!

Tish

Need a Referral for a painter,plumber, restaurant? Go to the bottom of the page on www.TischerRealtor.com and click on Referral Directory!

Tish Tischer Blog - Need Electrician,Hair Salon,Plumber,Restaurants!

Tish Tischer (RE/MAX Excalibur) — Fri, 18 Jul 2008 08:25:37 -0500

Referral Directory - Google Tish Tischer Blog - click on the Referral link and find the services you want or need.

Thank you Doris for your recommendations this week. With Your Help the referral source will grow with the knowledge that at least one person has recommended the service. If you would like to know more about a given supplier, restaurant or service, give me a call at 480-231-0782. If I have used the service it will be noted in the listing. Currently we need many more restaurants but make them your real favorites! -

Need a welder to fix a wrought Iron Gate? We have one listed in the Tish Referral Directory - Oh, By the Way, If you, or a friend or family member were looking to Buy or Sell Real Estate in Arizona, would I be The Broker you called with their name and number? -- My number is 480-231-0782. email: TishTischer@hotmail.com.

Great Buys Available in all price ranges. Buymadeleinejensen@aol.com at 2003 prices. 30-50% less than in December 2005. Buy the best property at the best price now -- The Good Properties go first so don't wait to hear the market is going up!

Market Timing does not work -- always buy good property at the right price!