From HousingWire:
Studies find home prices and crime rates not greatly impacted by foreclosures
Furthermore, foreclosures have been portrayed as death knells for neighboring property values, but a recent working paper from the Federal Reserve Bank of Atlanta says home prices, for the most part, are only marginally impacted by distressed homes.
In fact, the time period when property values are most affected by a nearby distressed asset is when the borrower is still in the property, but seriously delinquent, according to Kristopher Gerardi, Eric Rosenblatt, Paul S. Willen, and Vincent W. Yao of the Atlanta Fed Bank.
The research report attributes this anomaly to the fact that delinquent borrowers are struggling with cash flow and less likely to keep up with property maintenance. Delinquent borrowers also hold their homes at arms length when they feel a foreclosure is imminent, so they stop investing in properties.
But this pessimism toward maintenance changes when the bank later steps in or when the home is sold off again to a new owner who invests in the property.
“We find that while properties in virtually all stages of distress have statistically significant, negative effects on nearby home values, the magnitudes are economically small, peak before the distressed properties complete the foreclosure process, and go to zero about a year after the bank sells the property to a new homeowner,” the report said.
Overall, the research findings suggest foreclosures and delinquencies don’t have as much of an impact on neighboring home prices as many would expect.
When looking at just seriously delinquent loans and REOs, Fed Bank of Atlanta researchers found that homes within 0.10 miles of a distressed property only experience a 0.5% to 1% value decline on average.
The actual value loss is “likely to go unnoticed by the typical seller who does not have many distressed homeowners living nearby,” the researchers concluded.
“Perhaps the most important conclusion that one should take from this analysis is that the effects of foreclosure and distressed property in general on the prices of neighboring homes are fairly small,” the team asserted in their final report.
Good Morning New Jersey
Good morning Mike
Here is another fine example as to why younger buyers aren’t entering into the housing market. Price seems nice until you consider the property taxes
Check out this listing for 300K
144 Warbasse Junction Rd
Andover Twp, NJ 07848
MLS 2909212
Property taxes of 20K a year or approx $1650 a month
4 bedrooms and 5 baths? 7 acres? Andover? That’s pretty much the antithesis of the younger buyer in this area.
A 3/2 in Rutherford with half the square footage and 3% of the lot size for a similar price (and lower taxes) is going to be considerably more desirable.
Git yer gat, and head for high ground. It’s all turning to black.
Obama can’t pull away from Romney, even with most of the media and blogosphere carrying his water.
So I predict some sort of October surprise. Don’t know what or where but the admin. has to be getting desperate and they are known for manipulating data already. Some new dirt on the oppo or a new move on the economy, maybe even a cave in or a new giveaway on taxes.
HCBK to be acquired by M&T. This is a big deal, folks.
$3.7b
from the main article:
In fact, the time period when property values are most affected by a nearby distressed asset is when the borrower is still in the property, but seriously delinquent
So that time period would start with the first delinquency in the neighborhood and end about 3 years after the last one. By my back-of-the-envelope calculations that would be from 2005 until infinity?
[7] redux,
And not based on dollars. If there is a wave of bank consolidations, that has implications for.the economy and Dodd-Frank.
Grim 7 acres in andover and it isn’t farm assessed somebody is not that smart.
Nom I feel the same way. I can’t imagine tht some event is going to pop and enshrine chairman O’s leadership status. It is going to either be economic or the boom variety.
Good to see Marine Midland Bank become a global powerhouse.
Comrade Nom Deplume says:
August 27, 2012 at 8:21 am
HCBK to be acquired by M&T. This is a big deal, folks.
Nom #7: This is a bummer. I do my banking with Hudson City and have ever since Norwest Bank (not pretty much gone) insisted that my spouse had to come to the branch and show ID to prove his signature on a tax refund check…but only after I had started moving money from savings to checking when we were buying a house. Hudson City said “Come on down” and I’ve been with them ever since. I’ve found them to be a nice niche in between tiny banks and megabanks. Time to switch to the credit union, I guess.
$40 billion in “assets” for less than a $4 billion price tag. What’s the big deal;-)
HCBK to be acquired by M&T. This is a big deal, folks.
270 million per branch?
Who is making out here?
#13 Jill: Did you see my comments yesterday regarding the split on Jackson in WT?
Ayy thoughts on what you gus would bid on the below listing? Thanks.
http://www.njmls.com/listings/index.cfm?action=dsp.info&mlsnum=1226627&dayssince=&countysearch=false
Back from Wildwood. What did I miss? Did the economy recover yet? When can I sell my underwater home? When does Romney start work in the White House? Did anyone figure out if Obama is a US citizen yet?
It was depressing to see the old Harley dealership boarded up and for sale in Wildwood. It used to be a landmark on Rio Grande Ave. I think they reopened as a used bike dealership for a while but, that didn’t work out either. Looks like the recession killed em.
Restaurants and bars were packed though. A fight nearly broke out in the parking lot of Uncle Bill’s Pancake house right in front of me. Stupid people standing in a parking space trying to save it for their friends. Some guy in an SUV just pulled in and pushed them out of the way. Funny as hell as the space right next to them opened up right as they were shouting at each other.
And here’s your regular guy on the street politial insight:
While we were eating at Uncle Bill’s Panckacke in Wildwood, my FIL’s t-shirt stirred some controversy. He had a t-shirt printed up that said “retired Air force” on the front and on the back it said “I’ll keep my guns, my religion and my freedom. Obama can keep the change”. At least a half a dozen people leaving the restaurant patted him on the back and said “nice shirt”. One couple looked like they wanted to punch him in the head though.
re #18 – Perhaps he needed it to defend himself against gators?
http://www.nydailynews.com/news/politics/man-machete-arrested-republican-national-convention-tampa-fla-article-1.1145226
Wildwood is the reason Staten Island is so empty in the summers.
Brian says:
August 27, 2012 at 9:31 am
Back from Wildwood. What did I miss? Did the economy recover yet? When can I sell my underwater home? When does Romney start work in the White House? Did anyone figure out if Obama is a US citizen yet?
It was depressing to see the old Harley dealership boarded up and for sale in Wildwood. It used to be a landmark on Rio Grande Ave. I think they reopened as a used bike dealership for a while but, that didn’t work out either. Looks like the recession killed em.
Restaurants and bars were packed though. A fight nearly broke out in the parking lot of Uncle Bill’s Pancake house right in front of me. Stupid people standing in a parking space trying to save it for their friends. Some guy in an SUV just pulled in and pushed them out of the way. Funny as hell as the space right next to them opened up right as they were shouting at each other.
And here’s your regular guy on the street politial insight:
While we were eating at Uncle Bill’s Panckacke in Wildwood, my FIL’s t-shirt stirred some controversy. He had a t-shirt printed up that said “retired Air force” on the front and on the back it said “I’ll keep my guns, my religion and my freedom. Obama can keep the change”. At least a half a dozen people leaving the restaurant patted him on the back and said “nice shirt”. One couple looked like they wanted to punch him in the head though.
Wildwood is the reason Staten Island is so empty in the summers.
Sorry JJ, that would be Belmar and the Tiki bar as the reasons why Staten Island empties out over the summers.
The media is not even trying to be subtle in their support for Obama, now they’re just beginning to get blatantly arrogant. Carter’s administration s*cked but at least he was a gentleman. This mope is a vindicate d1ck bag. He’s the guy trashing the joint knowing he’s about to get evicted.
[14] expat,
There is an axiom in banking circles that says “banks aren’t bought, they’re sold.”
The big deal is that this transaction is going to be examined to determine if it is a harbinger of a wave of bank consolidations. Those consolidations may result from difficulties smaller banks face as a result of Dodd-Frank. Community banks and smaller regionals are feeling the squeeze and will start selling. Likely acquirers are the super regionals like M&T, Keycorp, BB&T, etc.
This may be the beginning of a new wave of consolidations that could possibly rival the 1998-2003 Citigroup phase, at least at the domestic level. That has broad implications for the banking landscape as there will be fewer community banks and the super regionals will start to compete with Citi, BofA, JPM, etc.
That is why its a big deal. Not because of valuation but because of implication.
[12] JJ
No one is becoming a global powerhouse on this deal. I see little movement internationally on the horizon and it would take an act of God for the Fed to approve an IBA deal in this environment.
The last big global powerhouse deal I worked on was Citi-Banamex. I still have the frame that we got with a copy of the Fed approval in it as a form of deal toy. We all thought it was weird though. I took out the copy of the approval, threw it away, and used the frame for my Mass. bar admission. It is a nice frame.
3b #16: It’s hardly the house I would have expected you to want to bid on; I thought you were looking in the mid-$300s. It looks like a raised ranch more than a split to me, which is not exactly my favorite layout.
One concern I would have is its location. Not sure if this is an issue to you, but in all likelihood there is going to be a cell tower put up near the town hall, which is not-quite-but-almost in the backyard of this property.
That said, it is in a higher-“prestige” (not that anyplace is prestige in WT, Schlegel Lake Community member snobbery notwithstanding) area than the house on Walnut is.
Still, it sounds like this is “the house” for you; that you felt a connection to it.
Jill,
There was a house we saw yesterday on E. Glen listed at 589. It was too small but had a rustic brick exterior and a very warm, country feel to it. The price is too high. If this house was a little bigger and on a side street, I might’ve considered it.
26 – the front view pix on the MLS don’t do east glen justice though, I thought it was better looking in person.
Yeah that was the one I was trying to get us into on Saturday
Brian I did offer you parts from my Fronty but we are bringing her back from the dead again. turned out to be the distributor, not a dead cylinder as I originally feared.
#26: East Glen is a beautiful stretch of road. I love the houses along there. That house has the advantage of having a driveway that does not back out onto the main road…but still, you have no parking in front of your house along there and you have people barrelling down the hill at 40mph. That house has been listed and pulled a few times in the last year.
“barrelling down the hill at 40mph”.
Really, 40 mph is barrelling? are they on roller blades or bikes? 40mph I hit in the train station parking lot.
Jill says:
August 27, 2012 at 11:10 am
#26: East Glen is a beautiful stretch of road. I love the houses along there. That house has the advantage of having a driveway that does not back out onto the main road…but still, you have no parking in front of your house along there and you have people barrelling down the hill at 40mph. That house has been listed and pulled a few times in the last year.
Grim #4
It looks like a nice home, priced for this market and one would expect it to sell quickly, (maybe I should have left out the “younger Buyer”) However for the “average” salaried person ( lets just use 120K as average If that’s High or low I’m not sure) this property becomes out of reach for most because the property taxes push your monthly payment up 1600 plus dollars.
My wife is chomping at the bit to buy a minivan. Since her car is newer and mine is high miles and a year older, the Fronty would go. I pray nothing breaks on it I can’t fix cheaply and quickly in the driveway, or I will become a minivan dork. It is becoming tougher to load car seats and little kids into the pickup……
The one thing that has me a bit nervous is that my ATP light is always on when I’m in park. That might be the indicator switch or…..it could be a problem with the transfer case. I’m hoping it is just the switch. 4WD works fine so, it might just be a bad indicator switch.
If your fronty croaks, I might be interested in the Transfer case…..
29.Painhrtz – I am a meat popsicle says:
August 27, 2012 at 10:52 am
Brian I did offer you parts from my Fronty but we are bringing her back from the dead again. turned out to be the distributor, not a dead cylinder as I originally feared.
RE 32, 120K is the average income of a 23 year old couple who are dating. My 24 year old nephew and his 23 old GF combined make that much and live at home. Really people start at almost 60K out of college. A couple in their early 30s first time home buyers easily should be at 200K. Heck a blue collar couple should be making 200K in their early 30s
Little bit of black electical tape over light on dashboard works fine
Brian says:
August 27, 2012 at 11:26 am
My wife is chomping at the bit to buy a minivan. Since her car is newer and mine is high miles and a year older, the Fronty would go. I pray nothing breaks on it I can’t fix cheaply and quickly in the driveway, or I will become a minivan dork. It is becoming tougher to load car seats and little kids into the pickup…
There were some NY plates…not a lot. Seems like mostly people from Philadelpia area. Also a ton of French Canadians.
20.JJ says:
August 27, 2012 at 9:51 am
Wildwood is the reason Staten Island is so empty in the summers.
probably a bad indicator. Easy test to see if it is locked in turn wheels to full lock in any direction while driving if your getting feedback the 4wd is engaged, but you probably knew that already. Could also be a solenoid on the front differential.
Funny, convinced my wife to let me pick up a used titan crew cab when bonus season comes in Jan. she would rather be dead than be in a mini van, and she realized the utility of the truck after we bought the house. it is our 3rd car (hunting fishing, occasional ski trip and household chores) so it is not a daily driver but unfortunately for me with the size of the family the fronty just doesn’t fit any more.
I have an electronic version of the service manual, if you want it ask grim for my email and I’ll send it to you when I’m home tonight.
Grim/Jill,
It’s very well-kept inside. It has a real home feel to it. If it was off of Glen and just a little bigger, we would consider it.
The good news is, I’ve been driving around with the service engine soon light on for so long that it went out by itself on the trip…….
I guess I fixed it.
35.JJ says:
August 27, 2012 at 11:28 am
Little bit of black electical tape over light on dashboard works fine
Hudson City has a classy book of REO. Lots of train town stuff that’s been sitting empty forever..
Brian, reason people like you do it cause mechanics are idiots. I dragged my old benz out of car to get sticker on it, guy fails me cause turn signal flashing very weak and erratic. I go to guy, look I need sticker to park car on street in front of house, I can fix it in garage as garage is tight, cant leave in in my new driveway as it drips oil like any old car does. Then he goes I can pass you, I go well can you fix it, he goes I dont know how. I go really, it is just matter of me spending ten minutes on internet ordering a turn relay switch and plugging it in. Guy still was like no sticker. He then goes no charge, just bring it back when it is fixed. Finally I go how am I fixing it with no sticker as I need it on street. Finally, I go I will just go somewhere else who will pass it then once on road I will have them repair car. Mechanics are lazy and dumb, they really are just a mere shadow of what they used to be.
http://www.nydailynews.com/news/national/budget-cuts-leave-crime-ravaged-camden-n-a-police-department-article-1.1145218?localLinksEnabled=false
NY Daily News says Camden lost its own cops – going with county cops.
#34 The fantasty world of JJ.
#26 Fast: did you see the redone ranch on Manhattan? really nice at 519K. All brand new.
Coolidge?
#25 Jill: Thanks for the info on the cell tower, I will have to see how far town hall is from the house. My better half will decide whether it is an issue or not in the end..
I want to stay in the 350k range,and think 439K is way too high, especially so when compared to the all redone ranch on Manhattan. I would consider going higher than the 350K range, but do not think it is worth anywhere in the 400’s. I don’t care about the prestige thing, but if being in the snooty area means people do the basics on maintaining their homes such as mow the lawn, bring in the trash cans, clean the mold on the siding, and, take down the X-mas lights, than so be it.
What fantasty world. I went on my never ending search for a beach house and when I told lady at open house I want to spend between 300k and 380K for a small bungalow she laughed at me. She said if you cant afford a house why come down here, I see lots of people in that price range who dont even have the 20%. I was like look I am looking for a deal only. Under 335K I will do cash, 335k to 400K mortgage, she was like if you have that much cash I have a nice house for 1.4 million I can qualify you for. Once again I was like I am cheap looking for a deal, however, that does not mean I am broke. No wonder people cant buy a house. Sellers give me, I want to retire early, my mothers sick, I am underwater, and realtors give me on your income you should be buying a huge house. Meanwhile I want to pay 10-15% under market price to a seller who needs cash quick. No one wants to sell to me. Meanwhile if I went to GM dealer and said I want a 20K chevy to drive to train would they insist I buy a caddie, no but a realtor somehow ties your income to how much you should spend.
3B says:
August 27, 2012 at 12:58 pm
#34 The fantasty world of JJ.
3b,
Don’t think I saw that one for 519k. It’s all getting blurry. 2 months of looking has got me dizzy. I’m still seeing 600,000 dollar piece of sh1t houses with 13k plus taxes.
Don’t know if I told this: bid on a house two weeks ago listed at 652k. I went 10 percent below ask. You want to know what the greedy f*ck sellers countered with? 650k. They started at an ask in the upper 700s over a year ago. F*ck em, let em die in the f*cking joint.
A realtor at an open house told me don’t worry about price, you should only worry about monthly payment. All one has to do is put down more, she pointed out the monthly payment on a 500K home is the same as the monthly payment on a 300K home as long as you put down and extra 200K, it really is that easy she said.
Fast Eddie says:
August 27, 2012 at 1:19 pm
3b,
Don’t think I saw that one for 519k. It’s all getting blurry. 2 months of looking has got me dizzy. I’m still seeing 600,000 dollar piece of sh1t houses with 13k plus taxes.
#48 fast: I don’t know if you like rances, but this one has all been redone, form foudation all the way up. 4 beds, 2 baths, LR/DR, fam finished basement, with projection room, all new appliances as well, and all included. taxes are 8ish. You should take a look at it.
#48 fast: This is the listing below. Sorry I made a mistake it is on Coolidge, not Manhattan.
http://www.njmls.com/listings/index.cfm?action=dsp.info&mlsnum=1230058&dayssince=&countysearch=false
1490 square feet, seems tight for 4 bedrooms. Is one in the basement?
The less sq. ft. the better if it all works ,less to heat & cool. But I would tend to agree, about the same sq. ft. in my place 2 beds on main floor (finishing attic now) & could not see slipping in two more BDs in that area.
#53 grim: no, not in basement; I would nevre consider a bedroom in the basement as a bedroom. It is in the front of the house as you come in, right hand side. It is being used as a bedroom, although I would consider it more as an office. The other 3 bedrooms are in on the left hand side of the house, including the master with its own bathroom (although just tub, no shower). It is an open floor plan , kitchen, family room dining room etc. which some people may not like, but for the asking price and considering it is all redone, including the stone patio, it seems compelling consdiering what else is out there. Also taxes 8ish, which is “low” today.
grim I think we have the same and it seems tight with 3 bedrooms I can’t imagine what 4 feels like.
Isn’t it really the other way around? Romney can’t pull away (or get ahead) from Obama. Every policy this administration has is a failure, the economy is awful, unemployment is awful, housing has been a disaster…and Romney gets nowhere. I am still shocked that this is the guy we nominated. Seems like the party blew a massive opportunity.
Comrade Nom Deplume says:
August 27, 2012 at 8:10 am
Obama can’t pull away from Romney, even with most of the media and blogosphere carrying his water.
I saw a three bedroom bungalow with a kitchen, living room and 1.5 baths in an open house that was a total of 747 square feet and guy told me back in 1960s he used to stay there with his four kids all summer.
#58, my house, growing up on S.I., was a 900 foot ranch/bungalow, 3.0 bedroom and 1.0 bath. 5 of us altogether. That 1 bathroom was rough. Now I have 4 toilets, 1 for everyone!
3b #46: Now you’re slamming MY neck of the woods. You should see my block though…with the exception of one house that’s been a problem since long before the boom, it’s pretty well-maintained. Even my POS…I keep the outside up and no one knows how much it needs a spruced up downstairs bath, a gutted-and-replaced upstairs one, a new kitchen, and all the carpets pulled up.
1500 is plenty for 3br, but with 4br, it starts to get really tight, especially if the 4br includes a dining room too. Problem is you end up with two barely usable 10x10ish bedrooms or a master that can’t fit any furniture (closets tend to be lacking there too).
#60 Jill: Sorry. I have a bug about people that do not maintain their homes, must be the child of immigrant parents thing and pride in home. The rental I am in now is falling apart, and it bugs me, but not my problem. I really do think it says a lot about a home owner, block, or town, if the homes are not well maintained or even maintained. And we really liked the ranch on Beech and the block, but did not act quick enough, so we missed it.
Floyd (57)-
That’s because your party is exactly as stupid as the other party.
Race to the bottom. Applies to everything now.
“Isn’t it really the other way around? Romney can’t pull away (or get ahead) from Obama. Every policy this administration has is a failure, the economy is awful, unemployment is awful, housing has been a disaster…and Romney gets nowhere. I am still shocked that this is the guy we nominated. Seems like the party blew a massive opportunity.”
I really do think it says a lot about a home owner, block, or town, if the homes are not well maintained or even maintained.
Challenge is you end up having to buy upwards to get into those kinds of neighborhoods these days, and Bergen has some of the worst of it (ironically). Mid-tier towns? Tons of rotting housing stock stuck in 1952. Not saying there aren’t nice neighborhoods, but they sure are rare these days. You want all your neighbors to care about upkeep and look of their homes, neighborhoods? Welcome to Franklin Lakes or Alpine, hope you’ve got a million, because $500k doesn’t go to far (and your neighbors are going to expect that you’ll be tearing down).
We are in the endtimes. No salvation at hand. Down the tubes we go.
10463-6349
Earnest money
I have a funny predicition this is not going to happen but it is in line with your doom predictions. At least I’ll either be dead or still hunting when it happens.
http://news.yahoo.com/blogs/lookout/vegetarian-2050-190426669.html
#64 grim: I think that is a stretch. There are still towns and blocks where people mow their lawn, bring in their grabage cans, pick up the paper, sweep, fix a broken step, and just and do basic maintenance on their houses. I am not talking about tearing down and rebuilding. Some towns/blocks are better than others. But nowhere in my posts am I claiming that I am expecting anything other than basic maintenance. I have seen more than a few Mc Mansions/Large homes where the same is the case, unmowed lawns, etc, just a general look of neglect. I make allowances for older people who in most cases cannot do the basics. But I also see old people (who in many cases should not be doing it) out sweeping and caring for their property.
Wonder if they even bothered to fix the pumps that keep NOLA dry?
Whoops spoke too soon, looks like a big NO. Perhaps the Army should start shipping in troops now?
Link to article on the pumps that don’t yet exist in NOLA.
http://www.nola.com/crime/index.ssf/2012/05/permanent_pump_station_selecti.html
Geez, 3b…I’m having that rusting front railing replaced with nice powder-coated aluminum and I spend $5000/year on lawn service and an arborist to keep my shrubbery healthy. Give me a break already
Interesting Theory
2016:Obama’s America
http://www.youtube.com/watch?v=MFj88FyAEDg
yo – Movie did well last weekend.
“distributor Rocky Mountain Pictures on Friday expanded it from 169 to 1,091 screens. It took in $6.2 million over the three days for a per-screen average of $5,940 — the best of any film in wide release, including the No. 1 film, “Expendables 2.”
http://www.chicagotribune.com/entertainment/sns-rt-us-2016-electionbre87q119-20120827,0,3714718.story
#70 Jill: See that is all I ask, a little landscaping, a little paint, thats it. I don’t care how small or modest a house is. A little basic care and pride go a long way!
My idea of hell is Bojangles entering a flooded New Orleans, handing out gubmint debit cards to the stricken. Combination photo op/circle jerk.
BTW, they never bothered to actually bring the levees up to standard in NO.
Too busy killing Arabs and perpetuating endless war. Change the name of Army Corps of Engineers to Stone Cold Thug Killaz.
Juice,
Free speech at work
Sellers always have a sob story. The seller I broke contract on didn’t want to replace the AC unit she lied about on the seller’s disclosure because she couldn’t afford it. Meanwhile, she’s got a Corvette in the garage.
Funny wife is out with ladies a few weeks ago and one lady goes my husband does whatever I want, so ladies go what is secret, she says I give her an amazing BJ, swallow and then ask him to do it while he is still in that happy, docile fog. Who needs handymen, lawnservice or arborists.
Jill says:
August 27, 2012 at 4:26 pm
Geez, 3b…I’m having that rusting front railing replaced with nice powder-coated aluminum and I spend $5000/year on lawn service and an arborist to keep my shrubbery healthy. Give me a break already
Ben [78],
Agree on that one. Been to houses that look like sh1t and there’s a $70,000 car in the garage. This is the reason why I’m gonna lowball every d0uchebag seller.
Dolts will burn down their houses before simply selling it for market value.
16th century, straight ahead.
I cannot even remember being in the RE business. My brain seems to have reacted in the same manner as if I were in a traumatic car crash.
#80 fast: I see that all the time. My other favorite are houses with little to no furniture. What’s the point of a house with no furniture?
Jill: any how after all that. What in your opinion is that split worth?
There’s also the single person that bought the 3 bedroom home as an “investment”. They have a desk, a bed, a tv, and a couch. Every other room is empty.
Showed a house up in Wayne last year that had mattresses on the floor in the bedrooms and lawn furniture in the living room.
It was occupied.
I’ll set Gary off if I tell you they had a 5 series in the driveway and an x5 in the garage.
Gary should just admit he visits open houses looking for cars to steal.
Did Gluteus sign some sort of pledge not to post here until Arsenal scores a goal?
That’s all my neighborhood in Princeton is right now. A bunch of people who’s homes are falling apart with a lawn that needed to be cut 3 weeks ago. I find it laughable to ride my bike around the neighborhood and see these yuppies washing their BMWs while their lawn is turning into a marshland. I really think that their whole image is predicated upon what car they park in the parking lot at work. Whatever happens outside of their workplace obviously is their little secret.
Clot…Didja happen to watch the Redbull/KC game on Sunday? Fantastic finish.
What’s with all the flood properties selling this year, seems crazy to me.
lib (90)-
Yep. There are finally some quality teams in MLS & good games when the best play each other.
[87] money,
For open houses, my realtor did not give me the common sense advice to secure everything, but a doctor told me to lock up prescriptions. People go to open houses to rifle medicine cabinets.
I locked up prescriptions, valuables of all stripe, electronics, etc. I didn’t even leave pocket change lying around.
I still found that some people went through drawers, etc., and some families let their kids play with (and break) my kids toys.
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