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Welcome to the largest Sequim Real Estate Blog with over 2,000 articles.
27 Oct
Clients often ask me about Sequim foreclosures and whether they should be looking for a good deal among the Sequim foreclosures or the Port Angeles foreclosures. I looked up all the foreclosures this calendar year (from Jan 1 to Oct 22, 2010). We've had a total of 404 foreclosures as evidenced by the "Notice of Trustee's Sale" documents that have been recorded. This includes foreclosures in all of Clallam County.
The number of Sequim foreclosures is a much small number. A Notice of Trustee's Sale must be recorded part way through the foreclosure process. The beginning of the foreclosure process is the issuance of a Notice of Default, but in Washington that document isn't recorded, so there will be more foreclosures than represented by the number Notice of Trustee's Sales recorded. But that is offset by the fact that some Notice of Trustee's Sales are recorded more than once, and there are also Discontinuances (termination of the foreclosure).
This means that the actual number of Sequim foreclosures is a small number, perhaps 50 homes. Can retirees find great deals in this inventory of foreclosures? Not really. The many clients I have been working with over the past several years have not found a nice home in a good area at a great price among the Sequim foreclosures. Trying to find a foreclosure you would want to live in and trying to negotiate with a bank REO on the east coast is a bit like entering a Twilight Zone movie.
There are also many problems looming in buying a foreclosure because of the legal problems with the bank foreclosure process. See my earlier article at Sequim Foreclosures and Problems.
I don't list foreclosures, but I do represent clients as a Sequim Buyer's Agent or a Foreclosure Buyer's Agent. If you do find a foreclosure you want to buy, why not use a retired real estate attorney who understands foreclosures intimately and who is a Sequim real estate broker? Email me or call me on my cell phone. Sequim foreclosures are not necessarily the best buy for retirees but if you find one I would love to represent you.
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5 Oct
The foreclosure process of many homes around the country is being challenged because of allegations of wrongful procedures by financial institutions. The federal government is conducting an investigation into Ally Bank's foreclosure process, and several large banks have put a stop to foreclosures while they examine their own foreclosure processes.
For Buyers who are thinking about buying a foreclosure, this could turn into a nightmare scenario. As a Realtor I don't list foreclosures, but I do act as a Foreclosure Buyer's Agent, and in that capacity I owe my clients full disclosure on the state of the foreclosure market and the risks inherent in buying a foreclosure. The process to foreclose a property is a statutory process in Washington [RCW 61.24]. When I was still practicing real estate law, I created a detailed checklist for the foreclosure process, and as you can see from this foreclosure process checklist, it is quite detailed and cannot be compromised. [Read my article entitled The Truth About Foreclosures and the foreclosure process.]
The investigation into the bank foreclosure process is the result of revelations about how foreclosures are being handled. Apparently at one bank, Ally Bank, one of the foreclosure administrators was processing an average of 8,000 foreclosure packages each month, or 45 foreclosure packages per hour for each 8 hour day, a virtual impossibility.
In private lawsuits (and class action suits) one of the challenges is that the banks foreclosing do not hold the original promissory notes, and therefore they cannot by law foreclose. At least that's the argument. It appears that Banks may have been playing fast and loose with the foreclosure paperwork and the foreclosure process.
What does this mean for buyers of foreclosures? It means there are unresolved issues, such as:
1. If you buy a foreclosure, if it is later determined that the foreclosure process was defective, do you own the house, or does the prior owner still legally own the house?
2. Judges do have the power to reverse or remove a recorded document, such as your statutory warranty deed when you purchased the foreclosure. Actually, you don't even get a statutory warranty deed when you buy a foreclosure. It is a lesser deed that doesn't warranty your title.
3. It is theoretically and legally possible that the prior owner would be put back in title, and that you would be evicted from the house.
4. In the alternative, it is possible that the prior owner would be given some amount of financial compensation for their damages, and that you would be left in title.
5. And it is possible that your title to the property would be defective, but that you would have a right to sue the foreclosure bank to get a clear title. The problem is you may not be able to get clear title from them, which may require more litigation or class action lawsuits.
6. It is very possible that to defend your title to your foreclosure purchase you would have to hire an attorney and begin writing blank checks to your attorney every month. Litigation of this kind could easily reach $40,000 to $100,000 in attorney's fees. Who wants to go there?
Is this likely to happen to all foreclosures? Absolutely not. Is it likely to happen to the foreclosure you might buy? Probably not. But the uncertainty of the foreclosure process as it is being challenged all over the U.S. makes this a risk that any buyer of a foreclosure must taken into consideration. Now you know.
If you are in the market to buy a foreclosure, I strongly recommend you hire a Foreclosure Buyer's Agent. As a Realtor and a prior real estate attorney who handled many foreclosures myself, I understand the foreclosure process intimately, and I understand how to protect my clients. As I have written elsewhere, some of the best buys right now in the Sequim and Port Angeles area are listings in the MLS that are not foreclosures. Many foreclosures are still overpriced, many are trashed, and many are not what buyers are looking for anyway.
I like my clients to be fully informed, and now you know about the defective foreclosure process.
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11 Jul
If you are buying a home in Sequim or Port Angeles involving a short sale, here are three proven steps to making that purchase a huge success. If you're not familiar with the term "short sale," it involves buying a home at a price that is less than the current mortgage balance. Most people are familiar with the concept of a car being upside down when the car isn't worth what is owed on it. Until the recent real estate recession, we didn't have homes that were upside down. Around the country many homes have had to sell as short sales. Of course, this requires the bank's agreement to cut their losses and take a payoff on the loan that is less than what is owed.
Short sales are closing every day in cities like Las Vegas and Phoenix, but not in Sequim and Port Angeles. The procedure and the steps to accomplish a successful short sale here are different than the template for the short sale hot spots around the country. As a real estate attorney who handled many foreclosures and short sales, and now who represents buyers in short sales as a real estate agent, I've articulated three steps to a successful short sale in Sequim or Port Angeles. If you do complete these three steps, you still have no guarantee, but if you miss one of these steps, you are guaranteed to fail or end up with a nightmare scenario.
3 Steps to Buying a Short Sale Home
1. Know the process and save yourself from disillusionment. Know that negotiating a short sale in Sequim or Port Angeles will be a slow and tedious process, and the bank can leave you waiting, literally not responding for months. The process can drive a normally patient person to say, "Forget it, I'm not going to sit around waiting, not knowing when or if anyone will decide to respond to my offer." [Again, this is not the same in Las Vegas where there are currently 700,000 loan modifications in process.]
2. Find a Professional Short Sale Buyer's Agent. Buying a home that must be a short sale is not something you want to do without an experienced professional who has been there, done that many times. There are many nuances and many traps for the unwary. I picked up many clients as a real estate attorney who thought they knew all they needed to know, but subsequently found themselves in deep trouble. When I represent a client as their Short Sale Buyer's Agent or their Foreclosure Buyer's Agent, I cost my clients absolutely nothing. Sounds too good to be true, doesn't it? But it is true. The seller pays all my fees as well as his agent's fees. What I give my clients is a lifetime of real estate experience, including many short sale and foreclosure transactions.
3. Do Your Due Diligence. You've got a lot of due diligence to do when buying a home in a new area, and a short sale or a foreclosure will require some additional due diligence because of unique problems associated with distress sales. Also in this process, the bank will submit certain documents to you, in addition to the standard real estate forms used in Washington, and these forms will require legal interpretations as you will be asked to sign them. Some entities representing banks in this process have put together forms that were not drafted by an attorney and give them complete access to all of your personal financial accounts and identity. That is not only inappropriate, but dangerous, and yet many who don't know or aren't getting good advise are signing such documents. [I know this because I have reviewed these documents and advised my clients.]
Your ideal home may be in the MLS and listed with an agent, and it may or may not necessitate a short sale, but if it does, know how to go through the entire process and come out a winner.
I hope this information is helpful. If you do find a home that is for sale, and it is either a foreclosure, or was, or it must be a short sale, you can hire me as your Short Sale Buyer's Agent or Foreclosure Buyer's Agent. Contact me by email, email@example.com, or call me at 360-775-5424. I would love to represent you.
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20 Jun
I've showed several Sequim foreclosures recently to several clients. One of these properties is a nice five acre parcel in a great area, and while there is no water or mountain or valley view, the property sits in a quiet and private place. It is ideal for the person who wants privacy and ideal for the person who wants some animals, maybe a horse or two or cows, Alpacas, or sheep.
The shortcoming of this Sequim foreclosure is not the property itself and not the listing price. The challenge is the house. The house was built in the '70s and needs major work and a small garden wheel barrel full of one dollar bills. The floor plan also is not what the majority of people want. And as happens often with a Sequim foreclosure, the prior owners left the house in a seriously run down condition.
The other Sequim foreclosure is also a nice piece of property with over two acres. The downside with this listing is that the manufactured home needs major rehab work, so much so that it may not be inhabitable. The carpet has been completely ripped out and the sub-flooring emits a strong cat urine stench, and the stains in the flooring can be seen everywhere. The walls need replacing in much of the home, and so much of the rest of the home needs replacing, in my opinion this home is a tear down. Buyers looking at Sequim foreclosures often find it a frustrating experience.
These listings are priced in the $140,000 to $170,000 range. Considering the amount of money and labor required to bring these properties up to standard living conditions, they are not such good deals in my opinion. By the time you put $75,000 to $100,000 in each of them, you're up to a price that could buy you a nice home that doesn't need all that work, money, and stress.
Some of the best homes and the best prices, all things considered, are currently listed in the MLS by a Realtor. I'm not trying to sell Realtors here, but if you're looking for value and a nice move-in condition home, this is the truth. If you're looking to buy a Sequim home, my suggestion is that you browse SearchSequimMLS.com. There are some diamonds hidden in this large MLS inventory of Sequim homes for sale. If you see one you like and have questions, shoot me an email at Sequim Real Estate Agent, and I'd be glad to answer your question if I can. There are some Sequim foreclosures out there that could work for you.
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8 Jun
Do you own a Sequim or Port Angeles home that is now in foreclosure or just a month or two away from the foreclosure process? It is a sign of the times that many good people find themselves on the verge of foreclosure or in the middle of one. Some have suffered the loss of their full-time job. Others have a limited pension, but with large losses in retirement funds managed by so-called professional money managers during the past two years, increasing health care costs, and financial uncertainty, continuing to make large monthly payments on a mortgage is no longer manageable.
In earlier years you might have simply sold your home and down scaled, but with the real estate recession, many homes are now upside down: they are worth less than the balance of the mortgage. Some have put their homes up for sale, but have not had any buyers make an offer.
What can you do if you are close to foreclosure or in foreclosure?
As a real estate attorney I did many foreclosures in Sequim and Port Angeles. I know the process, the costs and fees associated with a foreclosure, the timelines involved, and I know what it takes to keep your house out of foreclosure. Some of the costs and fees can be compromised, and there are statutory deadlines that cannot be compromised.
As a real estate broker I know what it takes to sell a home in this market. I also have worked with banks on loan modifications and short sales. To help my clients and prospective clients, I have many online articles about the foreclosure process, short sales, and marketing a home in this market.
If you are in or approaching a foreclosure on your home in Sequim or Port Angeles, and you would like to sit down with me for a free consultation on what the process involves, how much time you have, what you can do, and whether trying to sell your home makes sense, call me at 360-775-5424 for an appointment. Do not procrastinate, because time is your enemy in this situation, and I can help only if we have enough time before the statutory Trustee's Sale at the courthouse.
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1 Feb
Buyers are using the Internet to search for their next home, and this technology is the greatest advancement for home buyers in decades, at least since the invention of the MLS itself. Online MLS search tools have made finding a home or land so much easier and more efficient, it's really amazing. While buyers can browse hundreds of homes for sale with very specific parameters, there is still something the Internet won't do for you.
The Internet won't give you the 3D real life experience with the ability to see everything in person, experience the visual reality (as opposed to virtual reality), experience the smells and all that your senses tell you about a neighborhood and a house. Looking at a data sheet and some photos and maybe even a virtual tour is all good. It's all incredible, and so much more than buyers had even a few years ago, but until you put boots on the ground, you won't be able to get the full experience of any home or lot.
This becomes glaringly evident when you look at homes for sale in different cities and states. The real estate markets are different around the country. For example, if you live in an area like Phoenix or Mesa or Las Vegas, you can find some absolutely gorgeous foreclosure homes in the MLS, and some great prices that may be as much as 30% or more below their normal FMVs. In fact, you can find not just a few homes like this, but hundreds. There are foreclosures that are beautiful and listed at incredible prices, the kind of homes that buyers want and could say, "I could make this my home forever."
But in an area such as Sequim, Washington (and many cities and towns around the country), you cannot find such nice homes readily available in the MLS at great prices. In fact, in some of these areas, it is almost impossible to find a foreclosure that is nice enough to live in, doesn't need major work, and is priced very low.
Some of these differences can be interpreted by an online Internet search, but unless and until you actually put boots on the ground, you won't really know precisely what these homes look like. Use the Internet to filter through available homes, and then plan your trip to view the best prospects. But don't be surprised if everything looks different on the ground. It always does.
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14 Jan
More foreclosures are on the horizon just about everywhere in these United States. Retirement havens Sequim and Port Angeles are no exception, although we certainly have a much smaller foreclosure market than most. Our own foreclosure market is a function of the mortgage debacle and the recession. Owners who find they owe more than the house is worth are making hard decisions about whether to continue to make the mortgage payments or just walk away. But there's another reason we will see more foreclosures. This national recession is taking a tremendous toll on family finances. Many are unemployed. The self-employed entrepreneurs, who are the backbone of this great nation, are getting hit hard, and this will mean more foreclosures. To make matters worse, national banks with mortgage loans on the Olympic Peninsula are quite uncooperative and generally unwilling to work with distressed homeowners when it comes to what are text book cases for loan modifications and short sales.
So we certainly will see more foreclosures in 2010. How will this effect the real estate market for buyers and sellers? Will this present grand opportunities for buyers? If you are a buyer, should you be scouring the market for that diamond in the rough, aka that foreclosure bargain?
Not all foreclosures are disasters like the one in this photo, but many foreclosures are in such disrepair, or have been damaged intentionally by the previous owners so much that they simply do not appeal to 98% of all buyers. Several of our local foreclosures have had fixtures torn out, sinks ripped out, kitchen islands taken, hot tub parts removed, and yards left looking like a natural disaster occurred.
Buyers tell me the first priority is location. What good is a great house if it is in a horrible location? With that in mind, foreclosures do not lend themselves to the first priority. A foreclosure cares not where it is located, what the neighborhood looks like, whether there is a mountain view, a water view, or no view at all. A foreclosure does not care if it is next to a junk yard or 200 feet from a major highway. You don't get to pick the location of a foreclosure.
Foreclosures on the Olympic Peninsula are not like foreclosures in markets like Las Vegas or Phoenix, where there are so many that they have had to develop systems to organize how the banks will work with the REOs, the appraisers, new lenders, and the listing Realtors. By comparison, the foreclosure market here is in chaos, not order.
When foreclosures are listed in Las Vegas, they are listed at sellable prices, not excessively high listing prices. But this is not necessarily true in Sequim and Port Angeles. Many foreclosures here are listed at prices so high, you can find much better deals in the MLS that are not foreclosures or distress sales.
Of the very few needles in the foreclosure haystack that we do get, you can bet that the property either will not make it to the Trustee's Sale before a full time investor has already purchased it, or it will be sold within two hours of listing. It is almost impossible to compete on that level. First, you can't compete in the first instance, and in the second, there's no way to know when a foreclosure will find its way back into the MLS. But there are some who are either on the inside (don't get me started on that issue, because I do not have the evidence to reveal some of what I suspect may be going on in the foreclosure market behind the scenes), or they are just involved in a series of coincidences. As a buyer, you can't count on being lucky with a foreclosure.
Conclusion. An increase in foreclosures in the Sequim and Port Angeles areas will not help buyers as most of them hope or think it could. The vast majority of buyers (98%) have no interest in the foreclosures that come across their radar. Of the few who are interested in pursuing the idea of buying a foreclosure, most of them will give up after great frustration and months of searching. For homeowners who have their homes listed for sale in the MLS with a Realtor at a reasonable price, the homes in foreclosure are not really competition. Those who would buy a foreclosure are almost never those who would buy a nice three bedroom, two bath home in a nice area here. Or perhaps that should be said the other way around. Those who are in the bell curve of buyers who want a nice three bedroom, two bath home with an attached garage in a nice area are not likely to find those parameters in a foreclosure. And those buyers who retire here and are serious about finding their prefect retirement home often cannot find it in the regular MLS listings. These buyers will purchase a lot in the perfect location with a mountain view or water view, and hire a custom home builder so they can live the rest of their days in a castle of their own design. (See Sequim Custom Home Builder)
Recommendation. I would urge you to narrow down precisely what it is you want and can afford, as well as your timeline. Then scour the market with your Realtor's help and find the best home for you. Whether that is a FSBO, a regular MLS listing, a foreclosure listing, or building your own retirement home doesn't matter. What matters is that you live in your dream home for the rest of your days in peace. In other words, don't focus all your energy on finding a foreclosure. That can turn out to be a very frustrating failure. Instead, focus all your energy on finding that ideal home in the ideal location. That may or may not be a foreclosure, but with this strategy your probability of success just went up dramatically.
A great tool online for finding a home or land in the MLS, whether it is a foreclosure or not, is this online MLS search: Search the Sequim and Port Angeles Homes and Land Listings.
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11 Dec
Loan modifications under a federal plan announced by President Obama had hope for homeowners who were struggling to make their mortgage payments, and for those who were already in default and facing a foreclosure. Over 3,137,548 homeowners made requests for information, but only 31,382 actually got permanent loan modifications. Mortgage representatives around the country geared up to help homeowners save their homes and many implemented special educational programs to get the word out.
Unfortunately, it now appears that the program has been a dismal failure with only a one percent (1.0%) success rate. While one could be critical of the Obama program for the failure, the real victims are homeowners across America. The pace of foreclosures in several large metropolitan areas has not slowed down. For the government's report, see Loan Modifications Report.
"So out of over 3 million requests sent to borrowers, only 31,382 modifications have been made permanent. That's a failure of epic proportions. Imagine if you got a 1% score on a test when you were in school. How embarrassing. No wonder the link to this report is "accidentally" broken on the financial stability website. (I found it by guessing what they'd correctly name the file and typing it into the browser.)" Quoted from the Atlantic, 1% Success Rate.
There have been some successful loan modifications in Sequim and Port Angeles, although not necessarily under the federal program. Clallam County has seen its share of foreclosures gradually increasing. Trustee's Sales at the Courthouse have stepped up, and projections are that there are many coming down the pipeline. We shall see, but if you are in need of a loan modification, pursue that diligently with a reputable loan rep. Many have gone down the path of modification with a rep that dragged them along for months with nothing in the end, and all that after paying a hefty fee.
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10 Dec
See this home by driving by at 83 Three Firs, Sequim, Washington. Then call me to see the inside, Chuck Marunde at 360-775-5424.
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8 Dec
Buying foreclosures in Sequim and Port Angeles is a challenge, and that is an understatement. Here's a short video that describes why.
Chuck Marunde is a Qualified Foreclosure Buyer's Agent and can be reached at email@example.com or at 360-775-5424.
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6 Dec
Buying foreclosures can be confusing and frustrating. The foreclosure process around the country is chaotic at best. This is the first of a two part video series describing the process from default to the Trustee's Sale and beyond to listing and selling. We cut through all the nonsense, all the hype, money-making scams, and all the misinformation to get directly to the truth as it effects you, a potential buyer of a foreclosure home. This is Foreclosures Part 1 of 2. After viewing this video, watch Foreclosures Part 2.
Buyers and investors in the State of Washington may retain the services of Chuck Marunde to draft and submit offers on foreclosures. Chuck is a Broker and Realtor, practiced real estate law for 20 years, and handled many foreclosures from beginning to end. While Chuck prefers not to list foreclosures, he is a qualified Foreclosure Buyer's Agent with extensive experience.
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6 Dec
The foreclosure process around the country is chaotic at best, and trying to buy a foreclosure can be a very frustrating experience for buyers. This two part video series completes a description of the process from default to the Trustee's Sale and beyond. We cut through all the nonsense, all the hype, money-making scams, and all the misinformation to get directly to the truth as it effects you, a potential buyer of a foreclosure home. Foreclosures Part 1 should be viewed first. This is Foreclosures Part 2 of 2.
Buyers and investors in the State of Washington may retain the services of Chuck Marunde to draft and submit offers on foreclosures. Chuck is a Broker and Realtor, practiced real estate law for 20 years, and handled many foreclosures from beginning to end. While Chuck prefers not to list foreclosures, he is a qualified Foreclosure Buyer's Agent with extensive experience.
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Sequim foreclosures at deep discounts are hard to find. I'm surprised at how many people are diligently searching for Sequim foreclosures and Port Angeles foreclosures. There are four main foreclosure databases online for consumers. They are more accurately called "foreclosure information sources," but for simplicity, I'll refer to them as "foreclosure data sources." Here they are with my analysis as a real estate foreclosure attorney and now real estate broker and Realtor.
Clallam County Foreclosure Data Source No. 1:
This is the largest database in the country for foreclosures. Unfortunately, in Clallam County it is not complete. I subscribed to this service for almost two years myself so I could provide a service to my clients, but as I learned and as my clients have discovered, this database is incomplete. They offer a free trial, but you have to register to get access, and that annoys me. But there's a bigger problem. They do not have a contract with the Clallam County Auditor's office to scrape the data from the county's site. I spoke with one of the founders of Foreclosure.com on the phone, and he was certainly nice but said that they had to focus on larger metropolitan areas, and he had no idea when, if ever, Clallam County would be included in their database. Right now the foreclosures that show up on their site are pulled randomly and automatically with their software but it is quite unreliable. So if you are serious about searching for foreclosures that are actually for sale, I do not recommend this site.
Clallam County Foreclosure Data Source No. 2:
I also tried subscribing to RealtyTrac.com for about a year, but I could repeat what I just wrote about Foreclosure.com. I do not recommend this site for the serious buyer or investor. There are foreclosure homes that show up for Clallam County, but again no one is actually entering these, and they do not have a contract to collect the information from the Auditor's office, so this data is randomly pulled from various Internet sources, and many of these listings are not, I repeat not, for sale.
Clallam County Foreclosure Data Source No. 3:
(Northwest Trustee Services source)
Northwest Trustee Services certainly has a closer connection than the first two, and they hire our local appointed Trustee at the Friday morning sales. They do the paperwork on many foreclosures and adminster the sales. It appears they list their data with USA-Foreclosure.com. This site includes only the foreclosures they are adminstering. They also do not collect data from the County on all the foreclosures. This is a good source for foreclosures as long as you realize it is not the full database.
Clallam County Foreclosure Data Source No. 4:
Clallam County Auditor
(the original or source database)
Finally, we arrive at the original source of foreclosure data, the Clallam County Auditor's office. This is where all real estate documents must be filed, including the Notice of Trustee's Sale, which shows the balance owed, by whom, the scheduled date of the Trustee's Sale, and the Trustee or Attorney handling the foreclosure. If you want reliable data, this is the place to go, and this includes every Foreclosure in Clallam County. The challenge is that this is a database of real estate records that is not designed for real estate investors or buyers. That means the searchable fields are not at all convenient for searching. You'll have to spend hours every week to sift through thousands of real estate recordings to find a diamond in the rough. But let me save you a lot of time: You can filter your search by searching only the Notice of Trustee Sales. The results are still clumsy, but that does narrow it down a lot.
Finding a Sequim foreclosure or a Port Angeles foreclosure that is a good deal will be very hard, and when you find one, you can bet that many others have found it to, including some cash strong investors who know how to do their due diligence. There are some who work at this 40 hours a week. Do you have 40 hours a week to filter through 1,000 foreclosures to find one that you would be willing to buy so you can complete with other bidders? Now if we were in Las Vegas or Phoenix or Miami, this would be a totally different scenario, but in Sequim and Port Angeles, you can see why hunting for foreclosures is such a challenge.
I've handled many foreclosures as a real estate attorney, and as a Realtor I've represented clients buying foreclosures. If you want me to represent you, I'd be glad to. I don't have the 40 hours a week to search for the steal of the century, but if you get lucky and find one, I can guarantee I know how to buy it. Some fees are negotiate, and others are not. You can email firstname.lastname@example.com or call 360-775-5424 anytime.
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12 Nov
Should I stop making mortgage payments and let the bank foreclose? This is a question that a lot of people are asking as they struggle financially to pay their bills and make their mortgage payment. In some cases a spouse has lost her job, and the income no longer supports a large mortgage payment. There are a thousand stories across the country explaining why good, hard working Americans cannot make their mortgage payments.
So the question comes up, "Should I stop making mortgage payments?" Here is some practical advice intended to help you make wise decisions as well as protect your number one responsibility–your family.
Let's break this into two common scenarios. The first involves a family that finds the current fair market value (FMV) of their home to be substantially less than their mortgage balance. In other words, they are upside down. The second situation involves a family with a mortgage balance equal to the FMV of their home, or less, but because of a loss of income, they realize that in the months ahead they will not be able to continue to make the payments.
First, for the family that is upside down on their mortgage but can afford to keep making mortgage payments (and does not have to say, "I have to stop making mortgage payments."), it is both a financial and moral issue. You'll have to address the moral issue consistent with your own values and beliefs. I will say this, and this is the old moral and theological question: If you are a father and have children to feed, and you have no money and no food, would you steel a loaf of bread to feed your children? Absolutely, and that is also the correct answer among theologians. So if you are unable to make your payments and you have a responsibility to take care of your family, you may have to stop making mortgage payments.
On the financial issue, it may make more sense to let the house go into foreclosure than make payments for the next 20+ years on a $400,000 mortgage balance. You may end up paying a total of $700,000 (principal plus interest) over that time period, but right now you may be looking at a house with a current FMV of only $275,000.
It might be easy for someone not in that situation to be critical and say you shouldn't stop making mortgage payments. But one has to consider the long term picture, the challenges of growing older with the increasing cost of living and the growing burden of health care costs. The first rule of life is survival, and if survival means you must let a house go into foreclosure, then it is a tough decision that you will have to live with. Millions of Americans have found themselves forced to make such tough decisions this past year. Millions of Americans have had to stop making mortgage payments over the past three years.
Second, for the family that realizes they will run out of money to pay the mortgage in six months, it makes no sense to continue to throw precious money into the dark hole. If you know you will run out of money, and if there is no apparent pot of gold at the end of your rainbow, then giving a corporate institution on the east coast precious money you will need to survive in six months makes no sense at all. You may have no choice but to stop making mortgage payments. You must place your family's survival at the top of your priority list. The banks, who have their own ethical and financial problems, must fend for themselves. When it comes to balancing the welfare of your bank or your family, it is no contest. Your family wins, and you are ethically, morally, spiritually, and financially justified if you stop making mortgage payments. And you should not throw good money after bad, meaning you should not pay property taxes either, or put money into the house for any other reason. Of course, if you have the money and income, you should make the payments, but we are discussing a family that does not have that option. Put in its proper perspective, it is not such a difficult moral decision. Uncomfortable? Yes, but necessary.
The question often comes up for those who have made a decision to stop making mortgage payments, should I list the home for sale as a short sale, since it is upside down now? The answer is yes, but you have to put a very sellable price on it, otherwise you will end up in the same situation 95% of everyone else, which is that they put too high a listing price on it, and it never sells even after reducing the price several times, and then it goes into foreclosure anyway. Get it sold now at a low short sale price.
If you must, stop making mortgage payments and let the bank foreclose, but take care of your family and your needs as you grow older.
If you need to consider selling your home, because you are in default right now or will be soon, email me or call me to discuss your options. As a Realtor and retired real estate attorney, I would be glad to share whatever I know with you. For those who have to make the hard financial decision, it is not wrong to stop making mortgage payments.
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10 Nov
Sequim foreclosure home for sale – One acre country home just outside of Sequim, Washington now in default and foreclosure and must be sold fast. This is a fine two-story Colonial custom home with over 3,400 square feet, a 3-car attached garage with a very high ceiling, a glass sun room, a large kitchen with lots of custom built cabinets, and an unusually large laundry room just off the kitchen, which doubles as a mud room from the garage. This home has 3 bedrooms, one den, and one extra room.
As the photos show here, this really is a beautiful home. The yard and the house are looking a bit run down right now precisely because the mortgage is in default and will be sold at a foreclosure sale unless someone snatches it up at cost. The sellers will net zero on this sale at $510,000. Update: Price just reduced by seller to $460,000. Must be sold fast. This house was originally listed for sale at $699,000, but this real estate market has taken a toll on many sellers, and buyers now have the opportunity to walk in and pick this stunning property and home up for bargain price.
The location is great if you're looking for a country home. There's something majestic about the look of this home when you first see it and every single time you drive by it. I've been driving past this home since I first moved to Sequim in 1994. I lived just down the hill on Ward Road adjacent to the Olympic Game Farm. I believe every time I ever passed this home on Lotzgezell, whether I was jogging, bicycling, or driving my car, I always had to look at this home, which sits down Three Firs Lane and off Lotzgezell several hundred yards. It has a majestic appearance that makes it stunning. Maybe I just love a traditional colonial, or maybe this home is beautiful to everyone. What do you think?
This home needs some tender loving care, but remember it is a foreclosure. Now I've seen a lot of foreclosures for sale, and I can tell you this one is head and shoulders above the rest. Most foreclosures are terribly run down and many in this market have been looted of fixtures and appliances by the prior owners.
To see more photographs and details on this home, go to Sequim Foreclosure Home for Sale.
If you have an interest in looking at this home, call me right away at 360-775-5424.
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28 Oct
Is a Deed in Lieu of Foreclosure a good idea? With our home in foreclosure or about to go into foreclosure, should we offer our bank a Deed in Lieu of Foreclosure? We also owe a second mortgage. This is a question that I get asked a lot lately, more than in all the years before.
The Deed in Lieu of foreclosure has several almost insurmountable obstacles. The explanation is a bit involved and much more complex than this simple explanation, but here are some highlights.
The Deed in Lieu is rarely accepted by a bank. There are a number of complex legal and insurance issues for banks if they take a Deed in Lieu. If a bank forecloses and they suffer a loss, they complete an application for loss with their mortgage insurance carrier, which is often HUD or some other insurer. Banks almost never suffer a financial loss, because they get reimbursed for any loss as the result of a foreclosure. (This is not true if the bank is local and keeps the loan in its local portfolio, but that is very rare. Almost all bank loans are sold.) But as I learned when I worked for Metropolitan Mortgage & Securities Company many years ago, if a bank accepts a Deed in Lieu, the same application and rules for reimbursement no longer apply, and it is much harder to prove that the bank would have sustained the same or greater loss if they had actually completed a foreclosure. So rather than go down that risky path, banks most often choose to foreclose, and that way they know they ultimately will get all their money. Nowhere in their calculations is there any consideration for you as the homeowner. They make their decisions based exclusively on their income and expense sheet.
If a bank in first position agreed to accept a Deed in Lieu, the property would still be subject to the second mortgage, and the bank in first would owe the entire balance to the second bank. That's another reason the bank in first will prefer to foreclose. By foreclosing on the first mortgage, the second mortgage is wiped off the title.
There is another very difficult and unanswered question for you as a homeowner. Even if the bank agreed to take a Deed in Lieu, the IRS has regulations which could hit you with a tax based on the forgiven balance of the loan. I don't know the precise math, but it has been argued that the IRS could consider the forgiven balance of the mortgage income in that same year, and the taxes could be horrendous. There was discussion in this past year about the possibility of the politicians passing temporary laws that would toll those IRS regs and give people relief, but I haven't found anyone who knows for sure how any of this has worked out in the real world. Even accountants seem confused on these issues as to what should or could happen.
One last difficult issue is if the bank in first accepts a Deed in Lieu, they could still come after you for the loss in a civil suit, unless they agreed to sign a contract with you that they would not. But why would a bank who holds all the cards ever agree to not come after you for any loss they sustain. Remember, if they accept the Deed in Lieu, they suddenly owe the entire balance of the second. The second only goes away as security on the real estate if the first forecloses and the second mortgage decides not to protect their interest by paying off the first.
By the way, if the first bank accepts a Deed in Lieu, there is no foreclosure and therefore no Trustee's Sale. The bank in first would literally own the property as though they were stepping into your shoes, so they would have to list it for sale, but they still owe the second, so it is a losing situation for them.
The practical course of action will be that the bank in first forecloses on the property. They will feel they have no choice when their legal department and their loss and mitigation department flush out all the issues, just like I did here. When they understand all this, they will simply move forward with the foreclosure. The unanswered question is whether the bank in second will try to protect it's interest by either making the payments on the first, which they could do, or pay off the first entirely and then foreclose themselves. It is extremely rare that a bank in second protects its interest in this way. They usually get foreclosed on and go lick their wounds, possibly threatening to sue you for their loss.
Banks are reticent to accept a Deed in Lieu of Foreclosure but some are.
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9 Oct
Are Sequim foreclosures a good buy? This is a question I get a lot, because buyers are looking for the best value right now, and let's face it, almost everyone is talking about foreclosures. There are rumors and rumors of rumors of incredible steals in the foreclosure market, but is it reality?
There are some steals in the real estate market in places like Las Vegas, Phoenix, in parts of Florida, and in other hard hit areas, but not in Sequim. Sequim does not have a flood of foreclosures. Do we have more foreclosures than in years past? Of course we do, but this small market is much more stable than most large metropolitan areas around the country, and our retiree population is traditionally much more conservative and far less likely to get foreclosed upon.
The few Sequim foreclosures that we do have are not necessarily good buys. There is some garbage out there that most buyers would not want to live in. Of the larger homes that are more attractive for their location and features, many of these foreclosures are in sad shape and not priced great either.
In one case, the home has been stripped of almost every single light fixture, the ceiling fans, the kitchen stove and island, the sinks, and even light fixtures on the outside of the house are gone. The master bedroom deep jetted tub has been broken and most likely needs to be completely replaced. Some parts were taken from the plumbing. Some other fixtures in the house are also missing. On top of this, I learned the original owners did not get the proper building permits before moving into the house. What a nightmare this foreclosure could be. It could easily cost $150,000 to make this house habitable and legal. Since these homes are sold "as is," there could be even more hidden defects.
In another case, light fixtures were also missing, all the carpet in the house was a major disaster with dog poop and urine stains in every room. The entire kitchen needs to be replaced, including the hardwood floors, and the yard is a run down disaster. It would be one thing if the price was exceptional, but guess what? The foreclosing banks who assigns their foreclosed homes to REO's who handle the listing and the price and negotiations, do not have a clue, and neither do the REO's here. It's a major hassle and nightmare for some to try to get a reasonable price for a foreclosure and not get jerked around by parties on the east coast who don't know anything about the property, its true value, and who could care less about who you are. One of my clients recently walked away from a month of negotiations with a house like this, even though they had arrived at an agreement on the price. The REO tried to pull a fast one with some unbelievable conditions my clients would never accept.
So if you really are seriously looking at Sequim foreclosures, what do I recommend? Go ahead and look at foreclosures, but spend most of your serious time looking at the existing inventory of seller owned homes in the MLS. You'll find more motivated individual sellers and get a great home negotiated at a great price within days, instead of within months. And you won't be buying a disaster. In Sequim there are far more great deals to be had by seller owned listings than there are in the chaotic foreclosure market. I promise this is true.
You can do a complete search of the Sequim MLS, including Sequim foreclosures that are listed in the MLS by simply going to Search Sequim Foreclosures.
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22 Sep
If you're thinking about buying a foreclosure house, think again. I've written elsewhere that the foreclosure market is in chaos. It really is. The loss mitigation departments of the national banks and the short sale divisions of the national banks are at a loss for leadership and management that understands fundamentally how to handle their work load.
Buying a home that is a foreclosure or a short sale, at least from a national bank, can end up being a nightmare or a dead end in terms of trying to get a reasonable transaction put together with a real closing date in the not-too-distant future.
I had a short sale offer on one of my listings that the Bank of America should have accepted in a heartbeat, but they could not get their bureaucratic act together. The kind lady working at their short sale division told me she could not even get the offer considered, although she knew it was an offer that should be accepted immediately. Another bank killed an offer by a client of mine over $5,000. It was a reasonable offer, too. Can you imagine any seller killing a sale over $5,000? That bank still has that house sitting on the market months later.
But here's what I want to share with you today, and this is an exclusive. I recently wrote an offer for a buyer on a foreclosure, and we did reach an agreement on the price and all the terms. But then the REO, the entity that represents the bank that foreclosed, presented my clients with a mandatory Addendum that literally made my clients walk away from an otherwise great transaction.
What kind of Addendum would scare buyers away? An eight page Addendum that added numerous ridiculous terms that were totally uncalled for, absolutely offensive, but more than that some of these terms changed their basic agreement and would have made financing mathematically impossible. They demanded the loan have final approval within 21 days of mutual acceptance. That's impossible. Thirty days is standard.
But here's the clause that might just get your blood perking. Imagine the seller of a home demanding full access to your personal checking and savings accounts and all your personal credit information. I'm talking about the seller, not your lender. Your lender is entitled to that information–confidentially. But can you imagine the seller demanding unlimited access to your personal financial world? This REO, representing the selling bank, demanded just that. There is no reason on earth for the REO to need that information. None whatsoever. Here's the clause from that ridiculous and poorly drafted Addendum:
Would you ever agree to give a seller that information? This is an REO who can give this information to their staff, wherever and whoever they may be, to their other contractors (and there are several), and to the bank they represent. In other words, your personal financial information could get broadcasted to many unknown people and organizations out there. Unbelievable. In this day of identity theft, who in the world would agree to such outlandish demands?
By the way, this Addendum is only provided after you have made an offer, gone back and forth with counteroffers and gotten the REO to agree. Then they thrust this Addendum on you without any previous warning of the outlandish terms. Also, as part of their game, they refuse to sign or initial a Washington State Purchase and Sale Agreement in their counters. Instead, they make their "counteroffers" in an informal email with their listing agent. They refuse to make any commitments at all until they spring their Addendum on you, and by then you've spent many days or a couple of weeks going back and forth on what you thought were counteroffers so you could actually arrive at mutual acceptance.
Imagine having spent many days, or more than likely a couple of weeks looking at homes, narrowing down the many homes you have looked at, meeting with a loan officer to get pre-qualified, and then making an offer and working through all the conversations and issues on the counteroffers back and forth, only to have the rug pulled out from under you at the 11th hour when you thought you had a deal? You feel you are back to square one, and your emotional reserves may be drained at that point. You may even be so discouraged, you don't feel like starting all over again to find another house. Welcome to the foreclosure market!
This is just the tip of the iceberg and only a little example of how chaotic the foreclosure market is. Want to see the whole Addendum from an REO, all eight pages? Much of this agreement is boilerplate, which is totally unnecessary since it is in the Washington contract we all use already, but if you read through this in detail, you'll see many clauses that were clearly not written by an attorney and which are totally unacceptable and unreasonable to any intelligent buyer.
(The names of the parties have been deleted to protect myself from frivolous lawsuits.)
Why did I scan this agreement and make it available to you? Because I believe consumers deserve the truth and what banks and REO's are doing to consumers behind the scenes is full of legal and ethical problems that could cause serious harm to home buyers. My mission as a buyer's agent is to work hard for my buyers and to protect them from this kind of nonsense.
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9 Sep
There's a fascinating thing happening in the real estate market right now across the country. I've seen in right here in Clallam County several times. A home that was foreclosed on and is now for sale in the MLS receives a reasonable offer from a pre-qualified buyer, and the bank kills the transaction demanding unreasonably high prices.
I'm not kidding. Sure, we all have heard the story of the buyer who got lucky and snatched the deal of the century, a home for $100,000 less than its fair market value. We probably all heard the same story about that same guy.
But seriously, imagine a bank countering back and forth on a foreclosured home for sale and killing the deal over $5,000. It happened. Imagine a foreclosure in the MLS for $300,000 (plus or minus to disguise the actual listing) and the bank refusing to accept an offer from a pre-qualified buyer at $279,000 (plus or minus), when that is actually a fair offer.
The word is that banks don't really want to own real estate. That may be true, but try telling the clerks on the east coast in the loss mitigation departments of those banks that they are killing good transactions. They don't know our market, and most of them probably never were in real estate sales or negotiations of any kind. It's crazy but true. I've written about the chaos in the foreclosure market. Believe me, it is chaos in the foreclosure market. But don't expect any great deal. The banks wouldn't know a good offer if it landed on their desk in New York.
What's your best opportunity to buy a great home at a great price? A home in the MLS that is not a foreclosure or a short sale. This comes from a full time Realtor who has been there, done that, and many times for many clients. Don't waste your time hoping upon hope that you'll be the one to get a steal on a foreclosure. There are plenty of great homes for sale by owners who are not in foreclosure. They are more willing to intelligently negotiate than a bank on the east coast. By a long shot.
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23 Jul
This is a list of houses in Sequim that are in various stages of foreclosure, according to Foreclosure.com. I pay for a monthly subscription fee to be able to access specific information on these sites. I wish their system would simply allow me to include a link you could use for more detailed information, but Foreclosure.com's system will not allow that. But if you see one you have driven past and you like what you see, you can email me, and I'll get you the information in the database and email it to you. Courtesy of Chuck Marunde.
|Street Address
|341 Pike Pl
|350 W Turnh…
|140 Osprey …
|Lot 3 Pries…
|312 Dungene…
|Parcel B Sv…
|131 Alpine …
|61 Gupster Rd
|109 Southwe…
|1090 N Mari…
|2096 Hooker Rd
|124 White D…
|440 W Spruc…
|180 Coral Dr
|343 Gupster Rd
|234 W Hammo…
|102 Madera Pl
|242 Mcdonal…
|1780 Hooker Rd
|191 S Olymp…
|1740 Gardin…
|281 Bon Jon…
|260 Indepen…
|175 W Prair…
|174 Camelot Rd
|664 Marshal…
|1033 River Rd
|4212 Woodco…
|122 Applega…
|160 S Solma…
|160 Shelly Ln
|131 Stone Rd
|10 Kane Ln
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text: Sully 662 Report post Posted May 19 (edited) Hey All, I thought I would give poster making a crack and have worked on this design the past few days trying to get it to a point where I was comfortable with it. The poster design is Star Wars related and is just a random title, If you have any ideas for any posters that would look cool please leave them below as I am wishing to work on some more in the near future Regards, Sully ___________________________ If you like, leave a to show your support. Edited May 19 by Sully 1 15 Quote Share this post Link to post Share on other sites

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A.T. Morris Realty Group, Inc. | Marietta, GA 30062 | 770-527-2661 or 770-527-2662| firstname.lastname@example.com | Register | Login
Rare Opportunity, Swim/Tennis Deerfield On CulDeSac St, Move-In Ready Home Awaits Your Visit. Ideally Located, Near Schools,Parks, Shops & Easy Access To All Around ATL & Retreat Home! Soak Up Sun, Bird Watch Or Throw A Party On Private Deck & Porch Overlooking Creek & Waterfall. Hardwood Floors & 9' Ceilings, Sep Liv & Din Rm & Fireside Family Rm, Fresh Updated Chef's Kitchen, Keeping Room W/F & Back Stairs. Master Suite Up- New Spa-Like Bath, Addl BR's & Laundry Rm. Full, Fin Basement Rec Room W/Fireplace, Flex Rm, Storage/Workroom & Lower Patio! Home Warranty Incl
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Implementation of the new case-mix classification model, the Patient Driven Grouping Model (PDGM), on January 1, 2020 will bring BIG changes to the home health profession! HealthPRO® Heritage at Home is ready to help you start preparing TODAY for the most dramatic Medicare reimbursement change since PPS.Read More
Welcome to the HealthPRO® Heritage Blog
Get Ready for PDGM
Posted on: April 25, 2019
Update from CMS Regarding Group/Concurrent Under PDPM • April 19, 2019
Posted on: April 20, 2019
Late Friday afternoon, April 19, CMS released the FY 2020 SNF PPS Proposed Rule, specifying a few changes for the Patient-Driven Payment Model (PDPM). HealthPRO® Heritage is looking forward to reporting out on all the modifications, but can't wait to share the following good news…Read More
QRP and QMs are Changing with the Times. Are You?
Posted on: April 18, 2019
As of April, CMS has implemented important modifications for the Quality Reporting Program (QRP) and Quality Measures (QMs) that may have significant fiscal, clinical, and compliance implications as well. Not only will these changes enable CMS to better monitor SNF outcomes, the modifications raise the bar on performance measures and will challenge SNFs to drive care differently.
What should SNFs know? HealthPRO® Heritage offers guidance.Read More
Under PDGM: Revenue Cycle Matters
Posted on: April 15, 2019
PDGM implementation is a mere 38 weeks away, bringing significant changes in episode length (60 to 30 days), resultant billing processes, revenue cycle, and ultimately, cash flow. While certification periods will continue to be 60 days in duration, reimbursement will be broken into 30-day payment periods. As such, billing will have to be processed for each 30-day payment period including Requests for Anticipated Payment (RAPs) and final claims. This will likely result in a substantial increase in claims volume in addition to an interruption in cash flow. Specifically, agencies will experience a cash flow "crunch" during the first few months of implementation as the conversion from 60-day to 30-day payments is realized with a leveling off after the initial impact and conversion.Read More
Group Therapy Under PDPM: Strength in Numbers
Posted on: April 11, 2019
Think about a task you routinely complete: yardwork, cooking a meal, or a project at work. Now imagine asking a friend or co-worker to pick up a rake or join you in the kitchen. Your results: being able to complete the same tasks with improved efficiency and even better outcomes.
Apply this thought-process to providing world-class rehab services for the patients in your care. Research supports: There's strength in numbers!
The post-acute world is looking forward to new rules. Learn more about best practices and potential pitfalls RE: Group Therapy Under PDPM.
Read More
Facts about Occupational Therapy
Posted on: April 2, 2019
April is OT Month... Here are some interesting facts.
Read More
The U.S. Bureau of Labor Statistics calls occupational therapy one of today's fastest growing careers, pointing to growing numbers of older adults and young children who need occupational therapy services.
Give a Little to Get a Lot: Nursing, PDPM, and Documentation ReDesign
Posted on: April 1, 2019
CEOs, NHAs, and DONs take note! With the new PDPM paradigm, you'll be asking your nurses to:
- Continue to drive quality measures, star ratings, survey results, satisfaction scores, etc.
- Care for higher acuity patients; and
- Adopt very different documentation practices.
All of these requisites are vitally important to your facility's success under PDPM. But perhaps the most challenging change for Nursing teams (who really just want to be patient caretakers, right?) will be #3 on this list.Read More
HealthPRO Heritage Compliance Coordinator Berenice Galvez-Soto named to Rising Star Class of 2019 by McKnight's
Posted on: March 22, 2019
Chicago, IL March 22, 2019 – HealthPRO® Heritage, one of the largest independently owned therapy and consulting service providers in the country, is proud to announce that its Quality Assurance Compliance Coordinator Berenice Galvez Soto was named to the inaugural class of Rising Stars in the McKnight's Women of Distinction program.Read More
Keep Calm & ICD-10 Code On
Posted on: March 21, 2019
PDGM implementation is a mere 42 weeks away and is anticipated to be the biggest change in home health payment reform in over 20 years. HHAs will need to completely revise care management and billing processes, as well as documentation and coding practices, in order to make the transition successfully. One of the most dramatic areas of change relates to ICD-10 coding, which is a significant determinant of revenue in the new paradigm. Both timing and accuracy of ICD-10 Coding (primary diagnosis and comorbidities) will play a role in how patients are grouped and, ultimately, reimbursed. Given that this is a completely new core competency for HHAs, it is prudent to take action today to assess related risk and begin to identify the changes that will need to occur in order to minimize transition risk.Read More
Legal-Ease: A Collaborative Approach to Therapy Contracts Under PDPM
Posted on: March 21, 2019
Check back here in the upcoming weeks for this blog post. In the interim, please contact us for specific inquiries related to PDPM contracting at email@example.com More


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Washington to Issue Additional Marijuana Retail Licenses
On Wednesday, the Washington State Liquor and Cannabis Board announced the adoption of emergency rules that will allow the agency to begin the process of licensing additional retail establishments that will sell both medical and adult-use marijuana. Existing Washington retail stores can apply for a medical marijuana endorsement as well.
The application window opens October 12. The WSLCB has not capped the number of licenses they will approve initially. Please note that existing dispensaries "must be licensed by July 1, 2016 or face closure by local authorities." The WSLCB also announced that medical cooperatives can register with the agency after July 1, 2016.
The emergency rules allow the WSLCB to move forward while giving officials and the public ample time to read, digest, and comment on the draft rules before they become final. Please visit the Washington State Liquor and Cannabis Board's website for further details on licensure and to comment on the draft rules.
Massachusetts Approves First Dispensaries
Massachusetts' medical marijuana law was implemented over a year ago, and now the state has granted its first 20 dispensary licenses. The Department of Public Heath received 100 applications and judged them based on proposed location and the ability of the dispensary to ensure public safety while simultaneously meeting the needs of its patients.
The law allows for 35 dispensary licenses; however, only 20 have been granted so far. More competition will mean lower prices for patients, so, the sooner the last 15 licenses are granted, the better.


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John Mayall Milwaukee Tickets
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- Buy Chris Duarte, Shank Hall Tickets for 07/20 08:00 PM Shank Hall, Milwaukee, WIChris Duarte, Shank Hall, 20 July
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John Mayall Milwaukee WI Tickets Prices
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Video Results from YouTube.com
Published in : 2018-06-02 | by Rough Draft Farmstead
A follow up to our April farm tour video, we thought we'd do a video while the farm is really up and running! We talk about some of our no-till projects as well as ...
Published in : 2019-03-19 | by Rough Draft Farmstead
Taking a peek around the farm today and talking about some successes and failures of our December planting, some fun we've had with wind, and rescuing ...
Published in : 2018-12-29 | by Rough Draft Farmstead
Taking you for a spin around the farm as we are wont to do every couple months! This link is super rad: Www.Patreon.com/farmerjesse Hi fam! So I took four ...
Published in : 2018-07-29 | by Rough Draft Farmstead
After doing this video, I realized one thing I completely neglected to say: tillage bings up weed seed, so another weed prevention tactic is simply do not till.
Published in : 2018-07-22 | by Rough Draft Farmstead
In today's video we discuss in depth the fact that there is a kitten in the thumbnail for this video. I tell the story of how I made this video and had literally no idea ...
Published in : 2018-11-12 | by Rough Draft Farmstead
In Today's episode of the No-Till Market Garden Podcast, Farmer Jesse is joined by Alex Ekins who gives a very detailed overview of his farm and his no-till ...
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If you are like us and grow your food with any sort of pathways, they can take up as much as 1/3rd of your garden space. Yeah—just for walking. Needless to say ...
Published in : 2018-08-31 | by Rough Draft Farmstead
VLOG 007 Hey, this is the 007 VLOG! I wish it were more mysterious and filled with spies and fancy tech.... Sorry. So this is almost the most August video ...
Published in : 2019-05-05 | by Rough Draft Farmstead
Every two months(ish) I like to give an update on the entire farm and how It's all coming along. May is feeling pretty good. Hey fam who read these blurbs! Sorry.
Published in : 2018-11-17 | by Rough Draft Farmstead
Hey friends who read these blurbs that I write out in the moments of boredom that accompany the uploading process. Did you know that behind everyone of our ...
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Follow along with step-by-step beading projects and share your designs with beaders around the world—it's quick & easy!
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About this design:
I've been planning and designing and redesigning this for my daughter for a long time. Finally figured something out.
Components:Czech beads, seed beads, gold filled beads, freshwater pearls, on silk pearl-knotting thread.
Read the comments (or add your own)
Beautiful necklace! I'm sure your daughter will cherish it.
Nice design, how long is it? Lariats are always fun to make.
You know, I didn't keep track. I just kept stringing til I ran out of the beads I wanted! I just measured and it's about 43" long.
This is such a beautiful lariat necklace. Making one is definitely on my to do list. Wonderful design and gorgeous color! Lucky daughter.
That is so pretty. I plan to use up my "soup" beads that way when I get to that point. I need to pare down my shop (which I've been saying for 2 years now) but I really "have" to. I have so many different colors and shades that I'm not sure of the approach to take. But I like how you did your daughter's. Its very elegant.
Very nice design! I'm sure your daughter will love it! I'll have to try a lariat necklace sometime. Thanks for the inspiration!
Thank you for measuring it. I have these blue beads I am going to try to make one, I am sure it will not be as nice as yours. My hands are not working right.
Thanks for all the cpmpliments and interest in beaded lariats, LB friends. Granny Nancy, that is exactly what I had been collecting over the years: " soup beads!" Great term – not enough for a complete design but "plays well with others." The challenge for me is the finishing. Lariat #1 was strung through a top drill bead and finished with crimp and cover bead. Lariat #2 was strung on knotting thread and finished with a small top drilled glass teardrop pearl ( which I can't find anywhere anymore ) and knotted like using boullion wire. I put a tiny dot of Hypo Cement Fabric Glue in the tiny knot. Can't wait to see all of your lariats! I'm a big fan of Ali's cool ones.
Very elegant indeed! Beautiful necklace!
I love all the beads, colors, shapes etc. I've made a few lariats using sections of small beads. On my second one, I thought to crimp after each section using a crimp cover. If it happened to break, only a section would spill!
Moogie, I'm sitting here Ooh-ing and Aah-ing at your pretty lariats! Curious to know how long they are. LOVE your color and bead combinations!
I plan to made one similar to this for my daughter. I loved it and she did too.
This is very pretty, hope she liked it!
Are those veggies on that tree? My kind of tree! Very cute and clever!
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Program and Systems Manager, Sales Operations
Fitbit, US - San Francisco
Stay motivated and improve your health by tracking your activity, exercise, food, weight and sleep
At Fitbit, our mission is to help people lead healthier, more active lives by empowering them with data, inspiration and guidance to reach their goals.
We started our journey in 2007—as a team of two with one big idea. Since then, we've grown to over 1,500 employees, sold over 80mm devices, and built a health and fitness community across the globe. In fact, the Fitbit Community has taken enough steps to walk from the Sun to Pluto! Offering award-winning products, a top-rated mobile app and an easy-to-use online dashboard, Fitbit provides personalized experiences that help our users reach their goals. With a reenergized focus on innovative devices, interactive experiences, and enterprise health we are transforming the way consumers and businesses see health & fitness.
From your first steps as a Fitbitter, you will be at the forefront of developing new products. Our culture combines the spirit of startup with the perks of being public. We offer a competitive benefits package and amazing perks like unlimited snacks, Friday happy hours, onsite workout classes, and a strong focus on a healthy work-life balance. As part of our team, you'll have the opportunity to grow your career, contribute your ideas to life-changing products and services, and—above all—have fun doing it.
Fitbit's HQ campus is located in the heart of San Francisco with office locations in Boston, San Diego and around the world.
Think you've found your fit?
Reporting to the Sr. Director of Sales Operations, this position will oversee systems projects related to the Fitbit ERP, Sales Reporting database and procedures, and other Sales Ops tools and processes. This individual will partner with cross-functional teams to ensure that the Sales Ops team has systems and reporting functionality required to operate efficiently and optimally.
- Manage and track all Sales Operations SAP issues, bugs and enhancements in partnership with IT and the Business Systems team. Includes identifying new enhancements required to streamline efficiencies and ensure compliance, as well as overseeing user acceptance testing, training, and rollout of all enhancements.
- Act as liaison with Sales Operations and IT to manage the integration of reporting required from Business Intelligence tool; manage the testing, rollout, training, and ongoing maintenance and development of Sales Ops BI reporting.
- Partner with the Sales Reporting team to troubleshoot weekly data issues with E2Open, Fitbit's Point of Sales reporting system, as well as with the offshore support team.
- Ownership of Sales Ops master data, including Material, Pricing, and Customer Master Data. Includes ensuring SOX compliance around all master data.
- Maintain project plans with schedule, status, and metrics; report out to the business and key stakeholders weekly.
- Partner with Business Systems on any required EDI New Customer Onboarding & Maintenance.
- Plan team resources needed for completion of Sales Ops projects and works closely with managers to set clear expectations for requirements.
- Take on any special projects around systems support.
- 7+ years' experience working with an ERP System, preferably SAP.
- 3-5 years' experience with leading multiple process improvement or IT-related projects; experience working with cross-functional teams in Sales Operations, Sales, IT, and Business Systems to execute.
- Knowledge of B2B order management, forecasting, sales operations processes, as well as retailer point of sale (POS) information.
- Self-driven personality with ability to execute: organized, proactive individual that can operate independently.
- Detail oriented, strong communication, eager to work in a fast-paced environment.
- Agile experience preferred.
- Bachelor's Degree required.
Fitbit is proud to be an equal opportunity employer. We recruit, hire, train, promote, pay, and administer all personnel actions without regard to race, color, ancestry, national origin, citizenship, religion, age, sex (including pregnancy, childbirth, and medical conditions related to pregnancy, childbirth, or breastfeeding), sex stereotyping (including assumptions about a person's appearance or behavior, gender roles, gender expression, or gender identity), sexual orientation, gender, gender identity, gender expression, marital status, medical condition, mental or physical disability, military or veteran status, genetic information or other statuses protected by law. We interpret these protected statuses broadly to include both the actual status and any perceptions and assumptions made regarding these statuses.
San Francisco applicants: Pursuant to the San Francisco Fair Chance Ordinance Fitbit will consider for employment qualified applicants with arrest and conviction records.
About Fitbit
We're a passionate team dedicated to health and fitness who are building products that help transform people's lives. While health can be serious business, we feel it doesn't have to be. We believe you're more likely to reach your goals if you're encouraged to have fun, smile, and feel empowered along the way.
Want to learn more about Fitbit? Visit Fitbit's website.
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What's a sworn bachelor to do when forced to wed the woman of his dreams?
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Star Property My Fair Penang is a 4 day event being held from 27 to 30 October 2016 at the Queensbay Mall in Penang, Malaysia. This event showcases products like Property, development, technology, business, real estate, landscape design, architecture and much more etc. in the Business Services, Real Estate industries.
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21-24 Jul 2016
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2-in-1 shape sorting cube / wooden shape sorter and baby blocks made of natural beech wood.
Please note: If your toddler is able to sort and insert the shapes, remove the remainder of the blocks (longer shaped) so that they do not take up room in the sorting box and your child does not try to insert these blocks into the posting holes.
Base blocks and columns are multi-purpose: all blocks have the CreaBLOCKS standard size of 3.2 cm which allows all construction and shape sorting blocks to be combined with other sets in the CreaBLOCKS range.
Contents of the shape sorting cube:
4 x base blocks 1.6 x 3.2 x 6.4 cm (as sorting shape)
2 x double base block 1. 6 x 3.2 x 12.8 cm (as building block)
4 x cube edge length 3.2 cm (as sorting shape)
4 x double cube 3.2 x 3.2 x 6.4 cm (as building block)
4 x round column Ø 3.2 cm, length 3.2 cm (as sorting shape)
2 x round column Ø 3.2 cm, length 6.4 cm (as building block)
4 x triangular block (wedge) 6.4 x 4.5 x 3.2 cm (as sorting shape)
These building blocks are made in Germany of untreated beech wood. Both the wooden blocks and the storage box/sorting box are safe for children to put in their mouths, since no harmful surface treatments such as paints, waxes or stains are used.
The shape sorting box is made of Russian birch and the cover is made of beech plywood. All the blocks in this set are compatible with other sets in the CreaBLOCKS range and will complement your child's construction sets in the future.
CreaBLOCKS cubes are made in Germany in cooperation with a workshop for disabled people.
2-in-1 wooden shape sorter / shape sorting game / shape sorting box + baby blocks in natural beech wood - B01HGQZDD4


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The Australian Energy Market Operator (AEMO) has today released the 2017 Western Australia Gas Statement of Opportunities (WA GSOO), which provides an assessment of the WA domestic gas market for the outlook period 2018-2027.Western Australia, gas, infographic
A change in international market dynamics, lower demand for gas-powered generation, new pipeline interconnections and the Federal Government's Australian Domestic Gas Supply Mechanism (ADGSM) have delivered an improved outlook for Australia's east-coast gas markets.gas, media release
The Australian Energy Market Operator (AEMO) has today released the 2017 Western Australian Gas Statement of Opportunities (WA GSOO), which provides an assessment of the WA domestic gas market for the outlook period 2018-2027.Western Australia, gas, Audrey Zibelman, media release, report
In this podcast we had the pleasure of talking to Linn Purdon, on the line from Tasmania, about her recent experience as a participant in a game changing TasNetworks trial.Tasmania, electricity, consumers, innovation, podcast
Talking robots, artificial intelligence, virtual realities…Terminator? It can be overwhelming to navigate through all the 'smart technologies' that are becoming so commonplace.podcast, technology, consumers
Picture the scene: you're home alone on Wednesday night when suddenly there's an unexpected knock on the front door. You open, sheepishly, only to find an assortment of tiny witches, zombies, devils, ghosts and Harry Potters with their hands out…and then the fear really sets in – you've forgotten the lollies.electricity, emissions, innovation, renewables, solar, consumers
The Australian Capital Territory (ACT) network operator Evoenergy has taken a step closer to rolling out a viable renewable gas source with the launch of their first-of-its-kind hydrogen test facility earlier this week.podcast, hydrogen, gas, consumers, renewables, solar, wind, Australian Capital Territory
Edition 2 is now ready for your listening pleasure.podcast, interview, gas
Not too hot, not too cold – find out how gas storage is used to keep the southern states warm during winter.Victoria, gas, winter
It sure felt cold, and at times unending, especially in the south eastern states, but the recently departed winter season was actually the fifth warmest on record.winter, weather, infographic, report, New South Wales, consumers