finance: Charlie Munger's Pessimistic Parable of Financial Ruin: 'Basically, It's Over' - 02/26/10 05:41 AM
I just wanted to share this with the AR community. It's hard to believe that Warren Buffett and Charley Munger are partners let alone friends. It is an interesting balance though and an insight we should all take a moment to hear and reflect on. Charlie Munger's Pessimistic Parable of Financial Ruin: 'Basically, It's Over' Published: Sunday, 21 Feb 2010 | 9:46 PM ET Text Size By: Alex CrippenExecutive Producer But then, "by 2012," the nation's great prosperity creates a "peculiar outcome."  With all their money and free time, "Basicland's citizens more and more whiled away their time in the excitement … (3 comments)

finance: Looking For A Mobile or Manufactured Home Expert? - 02/23/10 07:54 AM
Looking For Mobile or Manufactured Home Experts?
Here's a few for the price of one.

John (CEO) & Janis Arendsen (Lender & Realtor
Relations) Principals of ON THE LEVEL
Combined we have over 50 years of experience in all facets of the Manufactured Home industry.  In fact We have been actively engaged as a Consultants, Expert Witnesses, Industry Expert sand Troubleshooters  at large since 1986 and have worked with myriad Law Firms, Mobile and Manufactured Home Parks and Developments, Condominium Conversions,  Park Owners and Managers, Manufactured Home Dealers, Contractors, Manufacturers and Developers during this time. 

finance: Just Had To Pass This One Along. Enjoy! - 02/19/10 03:35 AM


finance: If This Doesn't Make You Sick To Your Ttomach You're Not Human! - 02/17/10 01:59 AM
It doesn't matter what side of the isle you're on this is disgusting. Marie Antoinette has nothing over this Queen. While many if not most of us are eating bread this 'prima donna' is having her cake and eating it to. I only hope we remember things like this come November.
Not to mention the footprint.  So much for "going green"!!!   … (4 comments)

finance: A New Way to Look at Mortgage Risk - 02/15/10 03:18 AM
Just picked this up on Realtor Mag and thought I'd pass it along.
Daily Real Estate News  |   February 10, 2010  |   Share Denver-based BlackBox Logic has developed a database of more than 21 million mortgages not backed by Fannie Mae, Freddie Mac, or other government-sponsored agencies. The upstart scrutinizes raw loan data from trustees and issuers, flagging such information as whether a borrower is behind on payments or has a modification. It then blends that loan information with other databases that provide a credit score for the borrower and an estimate of residential value. BlackBox says it offers its data to the … (0 comments)

finance: Subject: FW: Proposed 28th Amendment to the United States Constitution: - 02/14/10 10:26 AM

finance: Short Description: Explains how to prepare an earthquake plan, what to do when shaking begins, and what to do after shaking stops. - 02/12/10 01:06 PM
Content Inside: Be Red Cross Ready An earthquake is a sudden, rapid shaking of the earth caused by the breaking and shifting of rock beneath the earth's surface. Earthquakes strike suddenly, without warning, and they can occur at any time of the year, day or night. Forty-five states and territories in the United States are at moderate to very high risk of earthquakes, and they are located in every region of the country. Earthquake Safety Checklist � Contact your local emergency management office, local American Red Cross chapter, state geological survey or department of natural resources. � Mobile homes and homes … (3 comments)

finance: Will Rewarding Borrowers Prevent Defaults? - 02/09/10 04:51 AM
John Arendsen's Blog By John Arendsen | Builder/Developer in Encinitas, CA View RSS feed close [x] Wow! I'd sure like to get a piece of this. It almost wants to make a good borrower go bad. This is almost as bad as Palosi buying all the jets for her family to travel around the world in. Things are rally starting to P___s me Off!!.......What Are Your Thoughts?Daily Real Estate News  |   February 9, 2010  |   Share Will paying underwater borrowers to keep meeting their mortgage obligations prevent them from walking away?Loan Value Group LLC says it is working with a major mortgage lender … (0 comments)

finance: Business is improving for many home builders. - 02/09/10 04:26 AM
Just wanted to pass this along to AR
Daily Real Estate News  |   February 9, 2010  |   Share Home Builders Are Rebuilding Everything from tax credits to longer tax-loss carry-backs to the ability to take big write-downs for the declining values of land and inventory has created a foundation that has allowed builders to rebuild themselves. Beazer Homes USA Inc. announced last week that first-quarter new-home orders rose 37 percent, and its cancellation rate fell to 27 percent from 46 percent the previous year. D.R. Horton also announced last week that it had posted a $192 million profit in the first quarter after … (0 comments)

finance: Now Is Good Time to Study Real Estate - 02/08/10 12:03 PM
In an interview with the San Diego Union-Tribune, Michael Lea, director of the Corky McMillin Center for Real Estate at San Diego State University, says he is encouraging students to study real estate because we are at the bottom of a cycle. By the time these students have graduated, he believes the industry will have recovered.
“I don’t think we’ll ever again see the 2005-2007 heyday in real estate. That was an anomaly, and actually, I hope we don’t go back to that. But within real estate, there are a lot of opportunities, such as property management and lending,” he says. … (3 comments)

finance: Alas, Has Atlas Finally Shrugged? - 02/04/10 01:27 PM
What Will the Market's New Normal Be?
In a new study, "Housing in America: The Next Decade," Urban Land Institute senior resident fellow John McIlwain says the housing market will not return to what it was prior to the downturn but rather that a "new normal" will take its place. He expects another 10 percent decrease in residential prices this year, a jump in the number of borrowers abandoning "underwater" mortgages, and a change in consumer perceptions of homeownership. "The emotional impact on the children and parents and disillusion about the 'joys' of homeownership will be intense; new attitudes to homeownership … (8 comments)

finance: New HVCC regs will negatively impact the already beleaguered Manufactured Home Industry. - 02/01/10 07:14 AM
The following article was written by a very good friend and business associate of mine who specializes in Manufactured Home Reverse Mortgages. If anyone in the Trulia community knows any appraisers that specialize in MH's in California please let us know. This is a very important development for our industry and could really impact the whole market negatively.
Thanks in advance for your help.
John DL Arendsen

To the Friends of Reverse Mortgage West
As you are aware, beginning February 15, new HVCC regulations will require that appraisals for all FHA insured loans be ordered … (2 comments)

finance: Please Read This Re-Blog It Could Save Your Life Or The Ones You Love. - 01/22/10 09:58 AM
I know a lot of folks don't like cutting and pasting or re-blogging but I only do it when it's about information or knowledge I don't have and I think it important enough to share. You really ned to read this and pass it along to everyone you care about.
Find out from your children’s school what they teach … (9 comments)

finance: Take Some Time To Prepare A Survival Kit. You Won't Be Sorry - 01/19/10 04:10 AM
I had some really great responses and comments to a recent post, Are You Prepared?, and thought I'd follow up with a little more friendly advice. I don't want to ponder on the subject but with the advent of what has happened in Haiti and my 25 years of disaster response experience I just wanted to pass a little more information along to my AR friends, associates and members.
The following link and graphic is a company that I started doing business with after the 1994 Northridge Earthquake. I have never been anything more than a customer but they have been … (11 comments)

finance: Are You Prepared? - 01/17/10 03:30 AM

Here we sit in the comforts and confines of our own abodes and protected environs watching this staggering and mind boggling epic event unfold from our flat screen TV and online computer. All the while hundreds of thousands these poor souls are experiencing first hand, this horrific turning point in their lives and  not even having one second to stop and think about how this will alter or regretfully even terminate so many of their lives.
There comes a time when we just need to cast all that’s important to us aside and take a moment to appreciate and … (37 comments)

finance: New Sign of a Stroke -------- Stick out Your Tongue - 01/14/10 04:26 PM
Something to share with Family, Friends, Neighbors.
Please keep this  going....               INFORMATION EVERYONE  SHOULD KNOW.......................Blood  Clots/Stroke - They Now Have a Fourth Indicator, the  TongueI  will continue to forward this every time it comes  around!My  nurse friend sent this and encouraged me to post it and spread  the word.I agree.If everyone can remember  something this simple, we could save some  folks.Seriously..Please read:STROKE  IDENTIFICATION:During a BBQ, a friend stumbled and  took a little fall - she assured everyone that she was fine  (they offered to call paramedics) ..she said she had just  tripped over a brick … (10 comments)

finance: Isn't Blogging A Two Way Street? Am I wrong? Am I Missing Something? - 01/11/10 07:36 AM

This is a response to: Steve Shatsky - Dallas Real Estate & Short Sale Specialist (469)449-9840 (Prudential Texas Properties) recent post:
Are You Creating Conversation, Connecting with Consumers or Simply Creating White Noise with your Blog... and does it really matter?
I thought this was a very well written post about a very important subject. Inasmuch as I'm a newbie blogger and haven't a clue what I'm doing I do it all. Cut and paste, write frivolous posts, relevant posts, re-publish others' posts, etc. I'm finally starting to get the hang of it I think. I've written 70+ posts and … (3 comments)

finance: Anyone In The AR Community Want To Own A Tiny Piece of The North San Diego Beach Community? - 01/08/10 12:49 PM

Well, there comes a time and a place for all good things to end. I've owned a cute little 14x36, 504sf one bedroom, one bath Manufactured Home in a very charming little Beach community known as Leucadia for the past several years. One of my daughters lived there from the time we put it in until she graduated from college and started her Interior Design business. As her business began to flourish she moved into the Cedros design district of Solona Beach which is zoned residential/commercial. Hence I have lost my best ever resident renter.

Having tried to be … (3 comments)

finance: Something To Think About In Our Quest and Hunger For Air Travel - 01/06/10 04:33 AM
By now every one has probably heard about the recent incident onthe NW/Delta flight #253 fromAmsterdam as it was making theapproach toDetroit . The terrorist on board who was attempting to blow the aircraftout of the sky was trying to ignite a substance similar to the
Explosive shown in the following demonstration ... click on the link below. Be sure to read the captions on the video. After seeing the demonstration you'll be saying OMG !'m not an alarmist or a doomsayer but the link above really got my attention and I felt obliged to share it with my family, friends, … (0 comments)

finance: Boomers Aren't Choosing Urban Retirement - 01/05/10 03:13 AM
TOMORROWS HOUSING TODAY: Check Out These Lovely Modular Homes and Then Read Our Post and The Attached Article From Modular and Manufactured Housing Is The Affordable Choice To Make Today.

I wanted to share this post and the attached article below with the AR community. I was just thinking about this on my last trip to Fort Meyers, Fl and the last San Diego Padre Home Game at Petco Park in downtown San Diego. I couldn't help but notice all the partly to almost completely empty hi-rise condo developments in these two very vital urban communities.
A very … (4 comments)


John DL Arendsen

Crest Backyard Homes "ADU" dealer & Contractor

Leucadia, CA

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Address: 1900 North Coast Highway 101, suite B, Leucadia, CA , 92024

Office: 760 727-7842

Mobile: (760) 815-6977

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