WHAT BEING AMREICAN IS ALL ABOUT

Some of you may know that I take great pride in The National Anthem. This may be the single best version yet. Be sure to watch all the way through,and you'll see why:


This was preformed at Fenway Park as part of the Red Sox Disability Awareness Day.
If you don't find some pride welling up inside you, well....that's your loss.

I Have Burger News Ta Tell You

OK, I have to admit something I never thought I would. I've found a burger BETTER than In-N-Out. Yes, it's true. I've been a staunch In-N-Out Burger guy since high school. But there's a hot, juicy new burger that's taken my carnivorous heart. It is the Single Cheese Burger at 5 Guys Burgers . What is 5 Guys, you might ask? It's an East Coast chain that is just coming out here. I had seen them many times in Florida, but never stopped by. What a dummy I am!

7945 Haven, Rancho Cucamonga,CA 91730

(909)941-9055

Here's where 5 Guys makes my beloved In-N-Out second best. First of all, when you walk in, you are greeted by giant boxes of peanuts. Because the line for burgers in literally out the door, you'll have plenty of time to eat a handful.And in the wonderful Haitian tradition, you are expected to toss your shells on the floor. Any place that lets you toss peanut shells on the floor is my kinda' joint.

But back to the burgers. Not only are they fresh ground and cooked, but the topping list is insane.You can get the regular lettuce/tomato/onion/pickle combo, BUT WAIT..THERE'S MORE! You can get sautéed mushrooms, jalapeños, A-1 Steak Sauce, green peppers and a bunch of other stuff I can't remember. I would be remiss if I didn't mention the fresh cut Cajun fries as well. I had it on good authority to be sure to try them. Let me just tell you that the velocity with which those fries were inhaled makes me appreciate the body of work my source put into their research.

So if you want to fall in love all over again, you might venture to the N/E corner of Foothill & Haven, in the Terra Vista Towne Center. The restaurant faces out onto Haven. The place will be easy to find. It will have a line out the door,and peanut shells everywhere.

ENJOY!

Cozy Up To The Bar

I know there's a bar graph involved, but it's really good news!!

If you have a living fear of statistical analytics, or if you're like me and hate all the "Smart Maps" that CNN pulls up and plays with for every conceivable thing they can label in red or blue, fear not! The graph above is good news, and so is the link below:

I swear it's good news and requires no critical thinking.

Pat Palmer-Realtor/Broker

Real Estate The Right Way

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Your FICO Score After A Short Sale

Research looks at how mortgage delinquencies affect scores How much impact does a short sale have on FICO® Scores? How about a foreclosure? Since I frequently hear these questions from clients and others, I thought I’d share new FICO research that sheds light on this very subject.

The FICO study simulated various types of mortgage delinquencies on three representative credit bureau profiles of consumers scoring 680, 720 and 780, respectively. I say “representative profiles” because we focused on consumers whose credit characteristics (e.g., utilization, delinquency history, age of file) were typical of the three score points considered. All consumers had an active currently-paid-as-agreed mortgage on file.

Results are shown below. The first chart shows the impact on the score for each stage of delinquency, and the second shows how long it takes the score to fully “recover” after the fact.

All in all, we saw: The magnitude of FICO® Score impact is highly dependent on the starting score. There's no significant difference in score impact between short sale/deed-in-lieu/settlement and foreclosure. While a score may begin to improve sooner, it could take up to 7-10 years to fully recover, assuming all other obligations are paid as agreed.

In general, the higher starting score, the longer it takes for the score to fully recover. Even if there’s minimal difference in score impact between moderate and severe delinquencies, there may be significant difference in time required for the score to fully recover. This study provides good benchmarks of score impact from mortgage delinquencies. However, it is important to note that research was done only on select consumer credit profiles. Given the wide range of credit profiles that exist, results may vary beyond what's in the charts above.

Originally posted by Joanne Gaskin

Pat Palmer-Realtor/Broker Real Estate The Right Way Visit Our Website Here Looking For A Change? Click On Our Career Page Here

WARM COCKLES

OK, I admit it. There's nothing that warms the cockles of my heart more, or makes my morning coffee taste that much better than reading about a real estate broker, agent or attorney getting convicted of real estate fraud. So if your cockels are cold, or you want to join me in a great tasting cup of coffee, feel free to do so. Luckily not everyone is free to do so this morning: For cockle warming, CLICK HERE . If you want to know what your cockles actually are,CLICK HERE .

Pat Palmer-Realtor/Broker

Real Estate The Right Way

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Looking For A Change? Click On Our Career Page Here

What Do You Do When THIS Is In Your Back Yard??

The answer to the question" What do you do when The Sweet 16 is in your back yard?" The answer is actually pretty simple. You go to your back yard and watch part of the best sporting event in America, March Madness. This year, one on the arenas hosting The Sweet 16 was the Honda Center, in Anaheim. The teams were San Diego State/U Conn, and Duke/Arizona. For any of you that did your office bracket, the excitement is 100 times greater with 17,000 people cheering their teams with abandon. By the way..for those of you with brackets, VCU just killed you,huh? And don't lie, unless you're from Richmond,VA, you know you didn't have VCU in that one pool that "counts".

Before I wrap this up, if you are ever going to go to the Honda Center and don't want to pay the $7,455 they want for parking, give me a call or email. We found free street parking withing a quarter mile.

Pat Palmer-Realtor/Broker Real Estate The Right Way Visit Our Website Here Looking For A Change? Click On Our Career Page Here

In An Unexpected Move, Bank of America Replaces God With Itself

This just in. All references to a Higher Power in the Bible,Torah and Quorum have hereby been replaced by Bank of America. In a newly released excerpt from the Los Angeles Times, BofA has hereby designated itself God to the entire world. Verses of your favorite Good Book will now be replaced by credit card service fees. What? You don't believe me?? I'm aghast. Have a little look see at the link below. From what I can read, BofA spokesperson,Betty Riess,will be replacing St. Peter at the Pearly Gates:
Betty Riess Replaces St. Peter At The Pearly Gates

Then again, I'm sure Ole' Bet is doing him a favor. He's been standing there a long time. He probably needs a break. Thank BofA that she's here.

Now if that's not reason enough to move Christmas to whatever day BofA was born, have a look at the video link below. It starts out a bit "industry-centric", but it moves right into the part that should interest you real quick. ..why your loan will cost more with the re-vamped Deity and Their Apostles. Not only that, but comparing Barney Frank to The Scarecrow is funny as hell:

The Apostles According To Bank of America

So next time you're at BofA, please remember to remove your hat and bow your head in thankfulness. No need to give that huge offering when they pass the basket. BofA will just charge your credit card.....Amen.

Pat Palmer-Realtor/Broker
Real Estate The Right Way
Visit Our Website Here
Looking For A Change? Click On Our Career Page Here