General: Coastal North County, 3 bedroom 2.5 bath. Asking price starts near $400,000. I'd start somewhere around $320,000 force them to argue me up.
Why you should be interested: It's a really nice complex of townhomes. You do have shared walls, but no upstairs/down. This one is on the edge of the complex with a view down the hill and maybe to the ocean on a good day.
Selling Points: Lots of room! It feels like a detached home from the inside! You have your own little backyard with a deck!
Why I think it's a potential bargain: Vacant, on the market for months, and nothing has sold around it for a long time.
Obvious caveats: I can't prove it has air conditioning. Also the parking situation looks ugly.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $320,000, it would be worth approximately $520,000. If you held it those ten years before selling, you would net about $250,000 in your pocket, assuming zero down payment. As opposed to renting the $2200 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $250,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: I can't prove it has air conditioning.
Obvious way to enhance value or appeal of property: Other than a/c, it looks like it's in great shape!
General: Urban East County, 3 bedroom 1.5 bath on corner lot. Asking price between $450,000 and $475,000. I'd start somewhere around $400,000, and wouldn't go much above that.
Why you should be interested: Property is in good shape, standard older middle class home.
Selling Points: The backyard is where you want to be! Shade trees, lush landscape! Also has enclosed patio.
Why I think it's a potential bargain: Vacant, and the back yard doesn't show from the curb.
Obvious caveats: No air conditioning. Would be much more attractive with updating the interior, but it's solid as it sits.
Why it hasn't sold already: Built 50 years ago, and you can tell.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $410,000, it would be worth approximately $680,000. If you held it those ten years before selling, you would net about $320,000 in your pocket, assuming zero down payment. As opposed to renting the $1700 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $130,000 ahead of the renter, after the expenses of selling.
5.875% THIRTY YEAR FIXED RATE LOAN, 1.6 total points, and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2366, APR 6.065.
This is the lowest rate I've seen offered on a thirty year fixed for quite a while! This is it, the gold standard of loans. Nothing ever changes about this loan unless you change it. If you act and I can lock while this rate is still in effect, I will guarantee the rate and the total closing costs in writing.
All these are retail rates! 5 year hybrid ARMs available from 5.5%, and interest only is available!
Speaking of interest only, I have a 5.625% thirty year loan, fixed and interest only for the first five years! Payment $1875, APR 5.850.
General: Urban East County, 3 bedroom 1.75 bath on corner lot. Asking price between $475,000 and $500,000. From the agent, I got the definite impression that they were desperate.
Why you should be interested: Property is in good shape, standard older middle class home. It's an estate sale, and the family lives out of state, and they are tired of paying the upkeep!
Why I think it's a potential bargain: Vacant, estate sale, not much curb appeal.
Obvious caveats: Would be much more attractive with updating, but it's solid as it sits.
Why it hasn't sold already: Nice facade, but once you're inside it's all decades old. Back yard needs grass or a pool or something.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $450,000, it would be worth approximately $650,000. If you held it those ten years before selling, you would net about $300,000 in your pocket, assuming zero down payment. As opposed to renting the $1700 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $140,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Just that everything looks 1975.
Obvious way to enhance value or appeal of property: Landscaping, carpet, paint.
General: Urban East County, 3 bedroom 2 bath asking price between $525,000 and $550,000.
Why you should be interested: Property is in good shape and has a great view, a nice pool, several areas for entertaining, and is central to everything. All sorts of shopping close by - walk to grocery store! Drive to Mission Velley in 15 minutes, downtown in twenty.
Selling Points: Two decks outside in front and a picture window in the living room, all with great views of the city. Patio and large pool area in back.
Why I think it's a potential bargain: This property has been vacant for months, and I see evidence that they really need to sell.
Obvious caveats: Not much yard for young children to play in, but great for older children and teenagers. By the way, the schools are excellent!
Why it hasn't sold already: This is not a property for the mobility challenged. It has a street-level garage, but you have to climb steps about fifteen feet to get to the home.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $500,000, it would be worth approximately $810,000. If you held it those ten years before selling, you would net about $390,000 in your pocket, assuming zero down payment. As opposed to renting the $2400 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $250,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: The street in front of this property does get significant traffic from the neighborhood.
Obvious way to enhance value or appeal of property: Maybe redo the second deck, but the property is in pretty good shape.
General: Urban East County, 4 bedroom 2 bath asking price between $450,000 and $475,000. They're fooling themselves. I'd start around $350,000 net, and wouldn't go much above that.
Why you should be interested: I couldn't enter the property due to uncooperative tenants but the outside is a mess. The yard hasn't been taken care of at all, and it appears as if a tree fell on the roof. The agent said it was a month ago, and the mess hasn't even been swept off the roof. One corner has been destroyed, and I'll bet at least half the roof needs replacing.
Selling Points: This is a real world example of what happens when you have bad tenants. This place is a mess, and is going to need many thousands of dollars in work in landscaping and roof repair. The bright side is that most of which looks doable by a person of average handiness.
Why I think it's a potential bargain: Do that work, and the property will be worth somewhere close to $500,000. If the current owners or their tenants were going to do it, the outside wouldn't be in the shape it's in.
Obvious caveats: I could not enter the premises. The inside could be as even more of a disaster area than the outside, in which case I would offer even less.
Why it hasn't sold already: The are asking too much for the property. Even before the tree fell, it obviously had no curb appeal. It's expired off MLS at least twice. If I were this owner's agent, I'd see what I could do about the landscaping.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $350,000, it would be worth approximately $570,000. If you held it those ten years before selling, you would net about $270,000 in your pocket, assuming zero down payment. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $220,000 ahead of the renter, after the expenses of selling. Using a post repairs value of $480,000, this numbers would be much higher.
Fact you should be aware of: The inside could be even worse than I think it probably is.
Obvious way to enhance value or appeal of property: Roof. Landscaping. I'm sure there is stuff inside that needs work.
Four Bedrooms with a Pool in a Great Central Neighborhood!
General: San Diego, 4 bedroom 2.5 bath asking price between $500,000 and $525,000. I'd start around $460,000 net, and wouldn't go much above that.
Why you should be interested: Property is in good shape and has a nice pool, a courtyard, and both a living room and a den.
Selling Points: All of the above. No deferred maintenance that I noticed.
Why I think it's a potential bargain: This property is vacant, and the sellers have just gotten an idea of the cash outlay of two households. Probably not an investment property, but would be a very good place to raise a family.
Obvious caveats: As I said, its market position is not consistent with buying for investment. This is a place you live in, not flip.
Why it hasn't sold already: Some curb appeal, but it's a lot nicer inside than out. By the time people get inside, their mind is made up. Some updating would be appropriate, and there are upscale properties in the neighborhood, but there would be a limit.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $460,000, it would be worth approximately $750,000. If you held it those ten years before selling, you would net about $360,000 in your pocket, assuming zero down payment. As opposed to renting the $2100 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $190,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: This is not something for flippers.
5.875% THIRTY YEAR FIXED RATE LOAN, 1.7 total points, and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $2366, APR 6.075.
This is the lowest rate I've seen offered on a thirty year fixed for quite a while! This is it, the gold standard of loans. Nothing ever changes about this loan unless you change it. If you act and I can lock while this rate is still in effect, I will guarantee the rate and the closing costs in writing.
General: Urban East County, 5 bedroom 2.5 bath asking price about $500,000. I'd start around $440,000 net, and force them to argue me up while arguing them down.
Why you should be interested: This is a beautifully updated home in a working class neighborhood. Unfortunately for the owner, there's nothing in this class nearby, which means you can get a much nicer property for the same price you might pay elsewhere. It's also in the attendance area for an excellent middle school and one of the best high schools in the county.
Selling Points: This property is newly furnished with all the upgrades. Travertine floors, except in bedrooms. New energy windows. According to the neighbor, just installed a sprinkler system. One kitchen counter still had the UPC on it. The kitchen is gorgeous, as are the bathrooms. Good sized front yard for the kids to play in!
Why I think it's a potential bargain: This is what is known as a "misplaced improvement." It's too much better than everything around it. It's not a good investment property, but it would be a great place to live for a family planning to stay.
Obvious caveats: As I said, its market position is not consistent with buying for investment. This is a place you live in. I also thought the new stucco could have been better done.
Why it hasn't sold already: This is a misplaced improvement. Put it in another neighborhood, and it might be worth every penny. Here, it's overpriced.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $440,000, it would be worth approximately $710,000. If you held it those ten years before selling, you would net about $340,000 in your pocket, assuming zero down payment. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $175,000 ahead of the renter, after the expenses of selling.
Obvious way to enhance value or appeal of property: Landscaping, although with a new sprinkler system I'd expect the yard to come back.
General: Urban East County (very close to San Diego City), 4 bedroom 1.75 bath asking price between $475,000 and $500,000. I'd start around $430,000 net, and force them to argue me up while arguing them down.
Why you should be interested: This is a refurbished older home with a large yard, close to great schools!
Selling Points: This place shows some real pride of ownership. The kitchen is gorgeous, as are the bathrooms. Plenty of yard for the kids to play in!
Why I think it's a potential bargain: This is priced under everything similar around it, it's been sitting vacant with no action for months.
Obvious caveats: I couldn't get a good look at the roof.
Why it hasn't sold already: Good question.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $450,000, it would be worth approximately $730,000. If you held it those ten years before selling, you would net about $350,000 in your pocket, assuming zero down payment. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $170,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: I couldn't get a good look at the roof.
Obvious way to enhance value or appeal of property: Landscaping. New Carpet in the bedrooms.
5.625% 5/1 ARM, Interest only payments for five years and NO PREPAYMENT PENALTIES!. Assuming a $400,000 loan, Payment $1875, APR 5.850.
This is the lowest real rate I've seen on a loan in months! This is a thirty year loan, fixed rate and interest only payments for the first five years! If you act and I can lock while this rate is still in effect, I will guarantee the rate and the closing costs in writing.
All these are retail rates! 30 Year fixed rate loans also available from the very low 6s!
General: Urban East County, 3 bedroom 1.75 bath asking price between $400,000 and $425,000. I'd start around $370,000 net, and force them to argue me up while arguing them down.
Why you should be interested: This is an older home that could use some updating but is basically sound. There's a pool in the yard!
Selling Points: Pool! Walking distance to one of the very best high schools in the county! Cheap property!
Why I think it's a potential bargain: This is priced under everything similar around it, and they know it's going to be a short sale.
Obvious caveats: 100 percent financing is fine, but there's probably no way to get your closing costs paid on this one.
Why it hasn't sold already: Visually unattractive. The yard needs water, so curb appeal is minimal.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $380,000, it would be worth approximately $620,000. If you held it those ten years before selling, you would net about $3290,000 in your pocket, assuming zero down payment. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $200,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Some stuff needs updating, but it looks like everything works and is basically solid. You could update at your leisure, as you have the money.
Obvious way to enhance value or appeal of property: Landscaping. Update some furnishings. Minor touch up.
General: Urban East County, 4 bedroom 1.75 bath asking price between $475,000 and $500,000. I'd start around $400,000 and force them to argue me up while arguing them down. If 420,000 net didn't get it, I'd definitely walk.
Why you should be interested: This is an older home with cosmetically unattractive furnishings that is nonetheless solid. Mature shade trees in the yard.
Selling Points: This would be a nice place if it didn't look straight out of the seventies. It's got a lot that's over a quarter of an acre and a pool with a couple of outbuildings.
Why I think it's a potential bargain: Estate sale, which means that the current owner inherited it. They have this property, and they want cash. They didn't pay for it, they didn't even fix it. Until they do sell it, it's vacant and eating money.
Obvious caveats: This neighborhood doesn't have a lot of upscale property in it, so there's only so much you can do to profitably update it.
Why it hasn't sold already: Visually unattractive. Straight out of the seventies. Looks basically solid, though, and all the work I can see is purely cosmetic.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $410,000, it would be worth approximately $660,000. If you held it those ten years before selling, you would net about $320,000 in your pocket, assuming zero down payment. As opposed to renting the $1850 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $150,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Definitely needs updating, but it looks like everything works. You could update at your leisure, as you have the money.
Obvious way to enhance value or appeal of property: Interior paint. Carpet. Floors.
Nice Solid Home In Great Neighborhood!
General: San Diego, 3 bedroom 1.75 bath asking price between $450,000 and $475,000. I'd start at $380,000 and work up; I think $400,000 or less will get the property.
Why you should be interested: This is a nice solid home in a mature neighborhood with great schools! Mature shade trees in both front and back yards.
Selling Points: The home is in good shape, the neighborhood is quiet, and it's close to the freeway.
Why I think it's a potential bargain: The current owner inherited it, and lives on the other side of the country. They have this property, and they want cash. They didn't pay for it, they have no ego involved, they just want to sell it before they have more outgo.
Obvious caveats: Not really a lot you can do to improve value.
Why it hasn't sold already: Probably because nobody realizes how much give there probably is the asking price.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $380,000, it would be worth approximately $610,000. If you held it those ten years before selling, you would net about $290,000 in your pocket, assuming zero down payment. As opposed to renting the $1800 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $150,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Nothing more that I can see.
Obvious way to enhance value or appeal of property: Not much comes to mind. There is some upscale in the area, but not real close to this property.
Wow! Great Bargain and Move In Ready!
General: East County, 3 Bedroom, 2 Bathrooms. Asking price between $500,000 and $525,000. I think $470,000 net would be enough to buy.
Why you should be interested: Well cared for beautiful property in quiet neighborhood with large parks, within 5 minutes of freeway. Close to Mount Helix, and children walk to good schools!
Selling Points: This is a showplace quality home. Crown moldings, huge living and entertainment room, formal dining room and a yard you'll be proud of!
Why I think it's a potential bargain: This seller is motivated. I think he's found something even bigger that he wants to buy, but needs to sell this one first.
Obvious caveats: There's a loft I don't think was legally permitted, but it's not included in the square footage and not counted as a room.
Why it hasn't sold already: It was overpriced. It isn't anymore.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $470,000, it would be worth approximately $760,000. If you held it those ten years before selling, you would net about $360,000 in your pocket, assuming zero down payment. As opposed to renting the $2400 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $210,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: This is a beautiful property.
Obvious way to enhance value or appeal of property: Not much comes to mind. It's move in ready.
30 year fixed, 1 total point, at 6.25%. Assuming a $400,000 loan amount, payment $2462.87, APR 6.386, and NO PREPAYMENT PENALTIES!
This is literally a no-brainer. This is a 30 year fixed rate loan, as in nothing ever changes about it unless you change it, fixed for thirty years. This is at the same rates as the 5/1, the 3/1, and all sorts of other lesser loans! If you act and I can lock while this rate is still in effect, I will guarantee the rate and the closing costs in writing.
If you want a lower that's really lower, lenders are starting to offer those again for hybrid ARM's although not 30 year fixed rate loans. I have a 5.5% 5/1 ARM with three points and no prepayment penalty! Assuming a $400,000 loan amount, payment would be $2271.16 and the APR would be 5.818. That's fixed for five years.
All these are retail rates! Interest only options are also available!
Move in Ready, Freeway Close!
General: East County, 3 Bedroom, 1.75 Bathrooms. Asking price between $450,000 and $475,000. I think $410,000 net would be enough to buy.
Why you should be interested: Well cared for attractive property in quiet neighborhood with large park, within 5 minutes of freeway. Straight shot to most employment centers, less than twenty minutes.
Selling Points: Front yard almost manicured! Remodeled kitchen with nice interior decoration! Carpet looks new!
Why I think it's a potential bargain: Vacant and on the market for months. The seller has listed with a do-nothing service.
Obvious caveats: Garage floor has a crack, although I don't think that's the same pour as the foundation, but you'd want a qualified building inspector to make certain.
Why it hasn't sold already: I am not seeing any evidence that the discount lister has done anything to earn any money. It's just had a price reduction to something vaguely reasonable.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $410,000, it would be worth approximately $660,000. If you held it those ten years before selling, you would net about $320,000 in your pocket, assuming zero down payment. As opposed to renting the $1800 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $140,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: There is a crack in the garage floor. I don't think it's part of house foundation, but you want a qualified inspector to make certain.
Unexpected Showplace At A Bargain Price!
General: East County, 4 Bedroom, 1.75 Bathrooms. Asking price between $525,000 and $550,000. From Market Analysis, I think it'll comp out about $500k, and the seller would take $450k if they were smart.
Why you should be interested: Nice solid property in a good neighborhood with good amenities.
Selling Points: Nice pool, freshly redone. Concrete pad in front that can be used for RVs. Nice quiet cul-de-sac.
Why I think it's a potential bargain: Sellers are in serious financial trouble, and they're headed for foreclosure. Seeing as how it's overpriced, the agent is desperate for offers.
Obvious caveats: At a price they can get, this is probably a short sale, which takes longer.
Why it hasn't sold already: The asking price is too high.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $450,000, it would be worth approximately $730,000. If you held it those ten years before selling, you would net about $350,000 in your pocket, assuming zero down payment. As opposed to renting the $2400 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $260,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: There's a major street running behind the property.
Obvious way to enhance value or appeal of property: Fresh paint and more grass is about it.
Fixer, Owner Hearing Footsteps of Tax Man!
General: East County, 3 Bedroom, 1.75 Bathrooms. Asking price between $450,000 and $475,000. I think $400k will get it, and I'd start lower.
Why you should be interested: Basically solid home with a pool and some other nice feaures.
Selling Points: Looks nice from the street, the pool is nice if not recently cleaned, and the quiet central neighborhood.
Why I think it's a potential bargain: Vacant and on the market for months. The owner is about a month away from a tax deadline, and there's just no interest in a property like this. Get it cheap, fix it up, live in it for two years, and you'll be very happy.
Obvious caveats: Inside it's straight out of the 1950s.
Why it hasn't sold already: This property's furnishings are straight out of the 1950s, and as such, are not attractive to the average buyer. On the other hand, if you spend a little money fixing it up, it would modernize very well into an attractive property with great curb appeal.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $400,000, it would be worth approximately $650,000. If you held it those ten years before selling, you would net about $310,000 in your pocket, assuming zero down payment. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $200,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: This place has not been updated that I can see since it was new. There's also a circuit breaker box out in the open.
Obvious way to enhance value or appeal of property: Lots and lots of relatively cheap cosmetic upgrades. Redoing the kitchen would be the hardest.
General: East County, 3 Bedroom, 1.75 Bathrooms. Asking price range in the mid to high 400s. I think $420 to 430 net would be enough.
Why you should be interested: Beautiful property with nice front yard and fenced pool in good neighborhood.
Selling Points: Fenced pool! Front yard almost manicured! Nice interior decoration! Goldfish pond in front!
Why I think it's a potential bargain: Vacant and on the market for months. The seller can't afford it, and the bank is going to have no choice except short sale. Seller listed with a discounter, when they should have gone full service.
Obvious caveats: Short sales take a little longer.
Why it hasn't sold already: I am not seeing any evidence that the discount lister has done anything to earn their money. The price started too high, and while it is now reasonable, the market is bad.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $425,000, it would be worth approximately $690,000. If you held it those ten years before selling, you would net about $330,000 in your pocket, assuming zero down payment. As opposed to renting the $1900 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $160,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Nothing I noticed.
Obvious way to enhance value or appeal of property: Not much comes to mind. It's basically move in ready.
Property Too Good For Neighborhood!
General: Urban East County, 3 Bedroom, 2 Bathrooms. Asking price range in the mid 500s. If they're smart they'd take $470,000, and they might take less.
Why you should be interested: Older neighborhood, but well maintained. The problem is that it stands out too far from the surrounding properties, all of which are much smaller. There is no way it's going to "comp out" above $500,000.
Selling Points: Quiet street, and the living areas are split into the master suite on one side of the kitchen, and the other two bedrooms on the other. Nice roomy property, plenty of room to rattle around in, airy with lots of windows. Cieling fans in most rooms, and a huge garage.
Why I think it's a potential bargain: First off, it needs a little cosmetic maintenance. Water the lawn. Replace the wallpaper. But the big things is just that the properties all around it are half the square footage. It won't appreciate in value like it would in La Jolla or Mission Hills, but it doesn't cost as much as those properties, either, as it is in east county.
Why it hasn't sold already: People who'd be interested aren't shopping here. It's expired off MLS twice, and the owners keep re-listing with the same no activity discounter who didn't get the job done last time. Given how many months it's been vacant, their cheapness has cost them at least any difference in fees there would be to hire someone competent. It's a real opportunity to pick a pretty nice property up for way less than it might otherwise be worth.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $470,000, it would be worth approximately $765,000. If you held it those ten years before selling, you would net about $360,000 in your pocket, assuming zero down payment. As opposed to renting the $2200 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $200,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Yard needs water.
Obvious way to enhance value or appeal of property: Paint. Landscaping.
General: Urban East County, 3 Bedroom, 1.75 Bathrooms. Asking price between $425,000 and $450,000. I think $410,000 from a qualified buyer would be enough to get it.
Why you should be interested: Nice middle class neighborhood. The yard is nothing special but the inside is gorgeous!
Selling Points: The first thing that hits you when you walk in is the beautiful cabinets built into the walls and wood floors. The kitchen is in pretty darned good shape also, if not quite brand new. The bathrooms have custom cabinets as well.
Why I think it's a potential bargain: Vacant and the yard needs water. By the time they walk in the door, the average buyer has already decided they are not interested, which is really a pity because the inside more than makes up for it and the outside would be easy to fix, in my opinion.
Obvious caveats: I found a bit of a smell in the laundry room off the kitchen. That could be anything from a dead mouse to mold.
Why it hasn't sold already: The yard is a push away. No grass, no trees.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $400,000, it would be worth approximately $650,000. If you held it those ten years before selling, you would net about $310,000 in your pocket. As opposed to renting the $1700 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $130,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Not much grass.
Obvious way to enhance value or appeal of property: Landscaping.
I'm a buyer's agent. I find places like this that can be gotten at bargain prices. I save you money without costing you a penny. Nor are these the only ones I find. In order to protect everyone's best interests, all I ask for is a Non-Exclusive Buyer's Agent Agreement. This is a standard California Association of Realtors form that leaves you are free to work with other agents, but if I find the property you want, I'm the agent you'll use. That's fair.
Contact me: Action Realty 619-449-0723, ask for Dan or email danmelson (at) danmelson (dot) com. Ask me to find a bargain that fits your needs!
30 year fixed, 1 total point, at 6.125%. Assuming a $400,000 loan amount, payment $2430, APR 6.260, and NO PREPAYMENT PENALTIES!
I can also do 6.00 percent for one and two thirds total points (payment $2398, APR 6.198), but for most folks, the slightly cheaper loan is going to be the better bargain.
General: East County, 3 Bedroom, 1.75 Bathrooms. Asking price between $425,000 and $450,000. I think $380,000 from a qualified buyer would be enough to get it.
Why you should be interested: Quiet neighborhood with a decent view.
Selling Points: The first thing that hits you when you walk is is how roomy it is. It's got a three room addition that just opens the place up, not to mention the fact that it's got vaulted cielings and skylights.
Why I think it's a potential bargain: The lender owns this property. The question is not whether they are going to lose money, but how much. Time is not on their side, and they know it.
Obvious caveats: This place needs some finishing work. Also, it's being sold "As is" and I don't think that three room addition was done with proper permits. Want a building inspector and a good buyer's agent to see if getting it approved after the fact is possible or not.
Why it hasn't sold already: Unfinished counters, off color carpet, needs pant.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $380,000, it would be worth approximately $615,000. If you held it those ten years before selling, you would net about $290,000 in your pocket. As opposed to renting the $1750 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $140,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Being sold "as is" means no repairs made or work done by seller!
Obvious way to enhance value or appeal of property: Replace the carpet, finish the counters. Get permit for addition. Convert one of the addition rooms to a legal bedroom, although I don't know if this last is legally possible. Yet.
Everybody Gets Their Own Room!
General: East County, 5 Bedroom, 2 Bathroom Asking price between $425,000 and $450,000. I think $410,000 would be enough.
Why you should be interested: End of the street in a nice suburban neighborhood. Good schools. FIVE Bedroom home for less than the price of most fours and some threes.
Why I think it's a potential bargain: The reason it has such a low price is it needs work, but everything I saw was cosmetic. Just removing the current occupants clutter would help. Paint and carpet and fixing the fence should get you a house that's worth a little more than anything around it, rather than considerably less.
Obvious caveats: I did not see any of the usual signs of foundation trouble, but the terrain is right for it. You'll want a good building inspector and soil report. The good news is that it's thirty years old. If there's no trouble yet, odds are good there won't be.
Why it hasn't sold already: Curb appeal is nonexistent and the presentation is awful. Clutter everywhere. The grass is dying. The fence has boards missing and others broken. All this leaps out at you. I'd be surprised if prospective buyers even got out of the car.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a purchase price of $410,000, it would be worth approximately $665,000. If you held it those ten years before selling, you would net about $315,000 in your pocket. As opposed to renting the $2300 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $295,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: There are some fairly nice properties around, but nothing really upscale.
Obvious way to enhance value or appeal of property: Just those cosmetic things that make all the difference in perception.
Being as the market is swinging more strongly to the buyers every day, it's what you might call a "target rich environment" for finding Hot Bargain Properties. On the other hand, there are still folks in denial, and just plain "What were you thinking?" moments. Since a typical realtor won't talk down anything, no matter how ridiculous, I thought I'd post one of those. The format is similar to my Hot Bargain Properties posts.
General: East County, 3 Bedroom, 2 Bathroom Asking price $575,000.
Why you should be interested: You shouldn't. Nobody should. It's a nice house, and if it were somewhere else, it might be worth every penny. But here it is an uninhabitable waste of property tax money every six months. At $575,000, that's roughly $600 per month, $3600 wasted twice per year.
Selling Points: It's gorgeous on the inside. Spacious rooms, beautiful kitchen, nice brand new carpet. The whole property is basically brand new. Pity that ten feet outside your front door is a neighborhood that looks like it came from Deliverance. I haven't seen the one-toothed banjo player yet, but I keep looking.
Why I think it's a potential bargain: I don't. If somebody gave me this property, I'd give to some charity or deed it back to the county immediately. Less trouble than trying to sell it for $1, or finding a deaf person who wants to buy it. The only way you might be able to live here is inside a hundred foot deep multilayered bunker.
Obvious caveats: The fact that it's less than a quarter-mile off the departure end of the main use runway might be something you'd like brought to your attention. I don't know how they sold the other homes in the development. Maybe the wind had shifted on that day and the planes were using the crossing runway. I don't know why I wasted pixels taking a picture, but I had to wait for a Piper Cherokee to clear the picture window. It filled the whole thing. I love small planes, and there is no way I could stay here one night. The noise was bad enough with just the little trainers that were hopping around the pattern. This airport gets some fairly large aircraft and corporate jets, and has a regular traffic in retired World War II planes (and older!), all of which are noisier than most people would believe. I worked at that airport, and I know of two crashes in the field that used to be where this development sits. Just a matter of time before someone falls out of the sky on one of these homes.
Why it hasn't sold already: Left as an exercise for the reader. Actually, it's a private sale, not from the developer, so it did sell once. Go Mark Twain one better. Idiots. School Boards. The owners of these. I'd say two better and name the developer, but evidently the universe developed bigger idiots. Or a bigger fool. You can look out the window at runway centerline, for crying out loud.
If you keep it ten years and it averages only 5% annual average appreciation per year: Based upon a $575,000 asking price, this property will be worthless.
Fact you should be aware of: Open your eyes and look around. Feel the vibrations from the aircraft overhead!
Obvious way to enhance value or appeal of property: Getting rid of the airport would be one, but I know the provenance of that airport land. Isn't going to happen. The county not only makes a mint off of that airport, but in order to close it they would have to pay the federal government at least billions and I believe tens of billions of dollars. Not. Going. To. Happen.
I'm a buyer's agent, so I'm not afraid to make fun of stuff like this. If this owner came to me to list it, I'd probably make like one of Ted Striker's seatmates in Airplane!
Don't call me on this one. Please, I'm begging you. Properties like this are a Realtor's version of Slasher movies. You're stuck in a roomful of rabid slavering dogs sharks lawyers and their idiots shills clients, and nobody else gets out alive!
Caveat Emptor, for the love of humanity!
General: East County, 3 Bedroom, 1.75 Bathroom Asking price between $450,000 and $475,000.
Why you should be interested: Very Private home in nice neighborhood. Good schools in neightborhood.
Selling Points: Beautiful courtyard. Ceramic tile floors except in bedrooms.
Why I think it's a potential bargain: This has been vacant five months and had a major price reduction. Stealth bargain, because you get a lot more than the neighboring properties. This home is an entertainer's dream, and the price is now right.
Obvious caveats: I don't think there's a lot of give left on the price. Might cut some off the asking price with the right offer, but not as much as most of what I post.
Why it hasn't sold already: Recent price reduction. It was overpriced for the neighborhood, but now it's a bargain.
If you keep it ten years and it averages only 5% annual average appreciation per year: It would be worth approximately $730,000 based upon a $450,000 acquisition price. If you held it ten years before selling, you would net about $340,000 in your pocket. As opposed to renting the $2000 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $160,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Not Much can be done to further upgrade the property.
Obvious way to enhance value or appeal of property: None that I can see. It's gorgeous.
General: East County, 3 Bedroom, 1.75 Bathroom Asking price between $375,000 and $400,000.
Why you should be interested: Nice neighborhood. Good schools in neightborhood. In fact, you're within 1/4 mile of one. Nice view out the back.
Selling Points: That view! Low maintenance front yard.
Why I think it's a potential bargain: It's a forced sale with an out of area agent! Double whammy! $389,000 is already a good price, but I think $350,000 is likely a sale. This place is basically solid, but not cosmetically attractive. Most of the furnishings look like refugees from the seventies. Seem solid enough, but not what folks want.
Obvious caveats: You're probably going to want to replace most of the furnishings, but most buyers do anyway. I don't see any emergency stuff. If you're a contractor or like to work, this would be a worthy fixer project.
Why it hasn't sold already: Well, just had another price reduction. I saw another broker show it. They're going to swarm. Let me qualify you and they'll want your offer instead of anything else, as the one thing this seller can't afford is an unqualified buyer, but you have to be at least close to first with an offer.
If you keep it ten years and it averages only 5% annual average appreciation per year: It would be worth approximately $570,000 based upon a $350,000 acquisition price. If you held it ten years before selling, you would net about $270,000 in your pocket. As opposed to a $1900 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $200,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Just that it has very little curb appeal right now.
Obvious way to enhance value or appeal of property: Paint. Carpet and Flooring. Couple thousand bucks and a weekend and you have a great place to live for $100,000 less than your neighbors.
General: East County, 3 Bedroom, 1.75 Bathroom Asking price between $425,000 and $450,000.
Selling Points: Nice basically solid place.
Why I think it's a potential bargain: Seller has been transferred out of town and is making payments on a vacant place in addition to where they're living now. They can't rent for anything like what they need for their mortgage payment. Subject to lender approval of a short payoff I see symptoms that both sellers and lenders are desperate. I think it can be had for $400,000 or perhaps a little less.
Obvious caveats: I found some hairline cracks in the stucco facade. You want a bulding inspector to make certain it's nothing worse.
Why it hasn't sold already: Well, just had another price reduction, but I had to look carefully so find out how deperate they were. I think it's going to hit default with the next payment, at which point the sharks will swarm. You want to get there first.
If you keep it ten years and it averages only 5% annual average appreciation per year: It would be worth approximately $650,000 based upon a $400,000 acquisition price. If you held it ten years before selling, you would net about $310,000 in your pocket. As opposed to a $1900 per month most comparable current rental and investing the difference at 10% per year tax free, you would be approximately $175,000 ahead of the renter, after the expenses of selling.
Fact you should be aware of: Hairline cracks in stucco.
Obvious way to enhance value or appeal of property: There's a room divider. Get rid of it.
I have recently attended a talk by Gregory Smith, the county assessor, on the future of home values in San Diego. He expects prices to continue to rise by 5-10% per year, citing scarcity as the reason. Basically, too few homes are being built, so we are in a situation with excess demand and not enough supply.
Now, public officials of the county of San Diego have an incentive to want prices to continue to rise. I tried to ask him a question about any other factors holding the price up, and he was unable to produce any.
Unfortunately for this point of view, high demand and scarce supply has a long history in the San Diego area. This has been a constant of the market, rather than a variable, since the late 1970s. Even during the last downturn, the problem was not a lack of interested buyers, the problem was that they couldn't afford the prices when interest rates went up. Sellers had a choice of selling at the prices people were able to qualify for or not at all. Many chose the latter option, it paid off in spades when interest rates fell and prices started rising again. Those in situations where waiting was not an option had no choice but to sell at lower prices.
The fact is that only 9% of the people can afford to purchase a home in San Diego. Even for wealthy investors who put $100,000 down on a $500,000 home with the intent of renting it out, their monthly cash requirements are $2528 to cover a 6.5% loan, plus approximately $500 per month to cover basic property taxes and then insurance, maintenance, etcetera on the property. Unless rents are well in excess of $3000 per month, which they are not, this amounts to investing $100,000 only to have to invest more every month in hopes that the market rise will eventually reimburse you. I agree with every respectable real estate investing guide that negative cash flow on an investment property is a recipe for disaster. This current situation in real estate has many parallels to the dot com investing bubble of several years ago.
Furthermore, we have many people who obtained short-term financing in the last several years, loans that must be refinanced within the next eighteen months, and will not be able to obtain terms that are as good or allow their adjustable rate loans to adjust. Either way, they are facing higher payments - payments that many are unlikely to be able to make. They will either sell voluntarily for what they can get, or involuntarily as the lender liquidates a nonperforming loan.
Even though long term rates are still remarkably affordable, short term financing, particularly on a "Stated Income" basis has become more prevalent for purchases, especially for beginning buyers, and these have risen enough to slow the market greatly. We are starting to see indications of a buyers market now. Homes are taking much longer to sell, and buyers are getting much more leverage on their offers. When longer term rates return to their historical margins above short, the effect will multiply. It doesn't take a genius - only a calculator - to know that when owner occupied rates go from 5.5% to 6.5%, somebody who could afford a $400,000 loan at 5.5% can only afford $359,000 at 6.5% (this difference is magnified for those willing to take interest only loans).


Most people in Network Marketing lack the real abilities and coaching on how to marketplace their business that would permit them to reside the life they Truly desire. They end up viewing a few people they know, or are in their business, hit the dream lifestyle while they stand by on the sidelines. They will carry on to hammer absent at network marketing with ridiculously old techniques and company building methods that are just basic 'inefficient' in our modern period.
This can give you the advantages of getting a relaxed tone when you are on the telephone which can take years of individual development to speak to individuals that don't want to deal with something you would say but doable in a shorter time.
It is surprising how numerous business owners don't prospect at all and there usually appears to be a purpose, but these are really excuses. There might be a view a product can sell by itself. A view there is no time to prospect as results are needed now. A fear aspect of having to engage with individuals. Prospecting is a fantastic learn lead generation action.
One of the best techniques to eliminate these is to generate your own prospects. Creating them can make a system of presolds which are the people that currently know who you are and more than willing to join your group even with out speaking to them beforehand.
Develop them nicely – a nurtured group leader will also nurture his group in return. Assist them grow and create their abilities, and they will impart that to their subordinates.
Social media is another direct generation technique that you can use to grow your home company. You can use social media websites like Twitter, Myspace, and Facebook. You will be in a position to link and socialize with 1000's of individuals who could join you in your company.
All these play an important component in your lead era and appointment environment marketing campaign, especially one that employs telemarketers. So make certain your team leaders are doing their work right. In purchase for your lead era marketing campaign to attain the achievement you want your telemarketing group should have the traits of an effective telemarketer.


I checked out on NHL hockey for good the second Bettman and Rogers penned this 12 year media rights deal. They have gone full corporate with the "nickel & dime" approach to how the game is viewed/distributed in Canada. I point squarely at the constant push to get consumers to consume bandwidth hogging NHL game streams on mobile devices under the marketing veil of "convenience". Mobile data rates in Canada are among the highest in the world and it is ridiculous to even consider the notion of watching a 3 hour high definition NHL broadcast on a mobile device that is not permanently tethered to a WI-FI connection. STFU Rogers already with this stupid and insulting ad campaign.
1. Pay money for a subscription just to be able to watch/tune in to a game.
3. Still expect me and other viewers to still sit through ads in feeds I am paying to watch.
Sorry Rogers and the NHL… It ain't happening.
Quite clearly, the NHL has an aggressive push to max out revenue potential… but let's look at reality for a moment… In an era when Canadians are now being forced to pay more & more & more for everything from a liter of gasoline to a pair of jeans to a head of broccoli, established fans and the largely untapped millennial market is likely to reject the idea of paying for the NHL's increasingly poor entertainment value product . I refer specifically to the increasingly large amount of boring, low score games that lack any sustained offensive excitement.
3. The inclusion of a second referee to the ice surface (whose presence on the ice removes potential space for offensive play.
4. A league wide misunderstanding of current scripted rules & regulations coupled with inconsistencies of referee and replay calls on a nightly basis.
In the internet age, the choice for entertainment is limitless. I for one have made the choice to move on from the NHL and find more interesting, free content to consume.
A lack of insight is what will kill the tradition of Hockey Night in Canada. The blame falls at the feet of those responsible for the Rogers 12 year media deal.
I point squarely at the constant push to get consumers to consume bandwidth hogging NHL game streams on mobile devices under the marketing veil of "convenience".
1. How else are you going to watch an NHL game if you don't have a fixed Internet connection?
2. Last I checked, NHL GameCentre Live allows users to choose the quality of their stream to limit data usage.
I only watch Hockey Night in Canada and. As it had been for years, I still expect a desirable portion of NHL game content to be delivered in a free to consume/promotional format (I.E. over the air or ad supported wed based service). Rogers has now paywalled the vast majority of localized HNIC content and has focused their core marketing message toward the consumption of the NHL product on mobile, app based services (goodbye OTA and free Saturday night http://www.CBC.ca NHL feeds) . As a side note to this commentary, I call attention the pathetic OTA content offering made by Rogers last season of having a few NHL games on CITY TV in Montreal, the most technically impotent OTA digital transmitter/frequency in all of Canada at a majestic 4 kw ERP. My dedicated ATSC antenna is located a mere 9 KM from Mont Royal and 62.1 has never come in clearly since its installation. The word "weak" does not even begin to describe this situation.
As mentioned above… I fully expect NHL game content to be delivered in a free to consume/promotional format (I.E. over the air or ad supported wed based service). Game Center Live is not free, nor is the visual quality of the paid service even close to OTA 1080i broadcast feed for motion clarity and fluidity of live action and camera movement.
If the NHL wants to market the game properly in Canada… they need to offer up a good quality, FREE teaser of the flagship HNIC broadcast or risk being forgotten/left behind in the rapidly changing tradition television VS internet media landscape.
Regardless of how many carrots they dangle in front of me, I can't afford nor do I want Pay TV. That TVA business is interesting in that Canadiens games are on TVA but on their Pay TV system, not sure which channel that is since I left Pay TV in 2012. For me TVA means channel 10.1 and I've never seen a game on there. One thing for sure, there isn't a single Canadiens game broadcasted over-the-air in French,quite the scandal.
For me TVA means channel 10.1 and I've never seen a game on there.
TVA puts its Canadiens games on TVA Sports, a specialty channel.
One thing for sure, there isn't a single Canadiens game broadcasted over-the-air in French,quite the scandal.
That's been the case since 2004, and I don't see too many people complaining about it.
Ignorance is bliss, isn't it ? "I don't see too many people complaining about it", naturally since many people are completely ignorant about digital over-the-air television. I had with my friend a HD TV in her depanneur turned on and it was connected to an antenna on the roof. People were amazed at the picture quality and didn't have a clue when they asked me what we were using and I told them it was a TV antenna. Public ignorance about OTA television is Pay TV's best friend ever. No public display of TV antennas at stores like La Source or Walmart or any articles in the Montreal Gazette or other news media doesn't hurt either. People that no doubt have other more important expenses than Pay TV every month could use the information about OTA television and TV antennas to their advantage, so who's responsibility is it to keep them up to date and informed? If people don't see TV antennas first hand then they won't think about them at all and the check online answer is useless if people don't have the awareness in the first place about OTA television and antennas. many people were brought up mostly with cable TV and don't have a clue.
Bastards! Using content to sell subscriptions. What a horrible business plan!


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The Industry Pivot: How Network Marketing's Viral Facelift Attracted A New Generation Of Social Entrepreneurs
The network marketing industry is nearly a century old now, and although some dispute its exact birth year, many agree that its origins are sometime in the 1920s or 30s, and point to the California Vitamin Company (later renamed "Nutrilite") or California Perfume Company (later named "Avon Products") as some of the original companies. And for many of those decades, network marketing (also referenced as "multi-level marketing," "MLM," "direct selling") thrived, died and revived while staying grounded in their traditional in-person business model.
Posted on April 16, 2019, 16:26 GMT
Paul Community Contributor
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Door knocking and phone calling were the go-to's for connecting with prospective customers and the presenting of new kinds of products. The business model proved successful for a long time, producing industry household names like Avon and Mary Kay. Tupperware parties became "a thing." People could buy luxury or coveted items from the comfort of their own or a friend's home—a novel idea at that time!
But then in the late 1990s, social media happened. People could connect with others through the Internet. While a lot of businesses in different industries aggressively learned how to capitalize on social media coming into the 21 st Century, a majority of network marketing companies did not. And, that's when Blake Mallen and Nick Sarnicola, young lifestyle entrepreneurs at the time, discovered a way to revolutionize network marketing by giving it a much-needed social facelift.
The Aha! moment came in the MySpace era when Mallen and his partners recognized the similarities between the emerging social network business model, and that of the old-school network marketing companies. "Both used 'word of mouth' to grow networks of people, and both moved products and services to those networks," Mallen explains. "Emerging social networking platforms (Friendster and MySpace at the time, and then later Facebook) were becoming much more efficient at building connections (exposure), while the older network marketing model still proved to be much more effective at monetizing community (conversion). The big difference: In one model, profits went only to the company, while in the other, profits were shared with those building the network."
Meanwhile, Mallen and Sarnicola had invested in a technology company focused on building private social networks for famous athletes and large celebrities. When Facebook emerged, Mallen immediately saw how to leverage the business potential and became an early adopter.
"I started training Facebook as a business tool back when people mostly saw it as a social college platform," says Mallen. "I remember always starting my training events by saying that Facebook isn't just for college students; you can utilize it to build a business, and here's how."
Transition to today where social networking is a way of life. In 2005, Mallen and Sarnicola co-founded Vi and made the 'Body by Vi Challenge' a household name by leveraging social platforms to revolutionize the network marketing industry and grow a social media community around it. Mallen's "Challenge Marketing" strategy innovation not only propelled the company to billions of dollars in cumulative revenue, it also inspired a community movement both on and offline.
"Social media is an amazing way to connect; however, I always felt that real connection gets created in person and is strengthened through shared experience," says Mallen. "Put both together in the right way, and it's possible to create a massive community movement. And once you have that kind of momentum, anything is possible."
One fun example of what "anything" can mean: Mallen recalls when "flash mobs" first started popping up and hearing the news about people suddenly breaking out into groups and dancing at random places. Mallen took the idea to a whole new level with a vision to mobilize tens of thousands of people across nearly every state simultaneously to do the exact same dance, at the exact same time to raise brand awareness in a radically social and viral way. This vision led to a world's first: the 'World's Largest Simultaneous Flash Mob' featuring celebrity, Alfonso Ribeiro and the now (in)famous 'Carlton Dance. "That single idea created millions of media impressions across virtually every state, got us a World Record—and created a whole lot of fun! And it cost us almost nothing," Mallen explains. "It's just one example of what combining the power of community with today's social media tools can create."
Having proved the lucrative power of social marketing on the network marketing model, Mallen and Sarnicola set out to prove it again across Europe and Latin America with Vi, and in their latest venture: Liv, a global lifestyle platform that is taking the power of community to a whole new level to help people turn their Bucket List into a Liv List.
"For years, we've all seen how people use social platforms to market their lifestyle, and the most successful influencers and bloggers have learned how to monetize their social following," says Mallen. "Nick and I wanted to inspire the masses to stop waiting for 'someday' to go on those incredible life experiences, and instead live them out 'today'. So, we created a new kind of lifestyle platform designed to do just that, while also giving aspiring entrepreneurs an opportunity to generate part-time to full-time income along the way."
Connect with Blake directly at BlakeMallen.com and Instagram @BlakeMallen
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Bring a large pot of salted water to a boil. Add the spaghetti and cook as the label directs. Reserve about 1/2 cup cooking water, then drain in a colander and rinse under cold water. Shake off the excess water. Meanwhile, puree the peanut butter, curry paste, vinegar, lime juice, cilantro, 1/2 cup water and 1 teaspoon salt in a food processor or blender until smooth. Toss the spaghetti with the peanut sauce, scallions, cucumber and carrot in a large bowl until coated. Season with salt and stir in some of the reserved cooking water to loosen the sauce, if necessary. Transfer to bowls and top with more cilantro and pepper flakes, if desired. Serve with lime wedges.


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Q: Angular 6 - access array in array from a ReactiveForm I have the following form
    this.questionForm = this.fb.group({
      title: [],
      questions: this.fb.array(
        [
          this.fb.group({
            question: [],
            answers: this.fb.array([this.fb.group({answer: ''})])
          })
        ]
      )
    });
  }

I have no problems with looping trough the questions. However I am not entirely sure how I can access the answers array from my template.
this is what i currently have in my template

    <button (click)="test(1)"></button>

      <textarea formControlName="question" class="form-control" placeholder="Enter your question here" rows="6"></textarea>

So what should I do to loop through the answers?

A: You will need to have a FormArray within FormArray on the screen. It should be something like this:

        <button (click)="test(1)"></button>

            <textarea formControlName="question" class="form-control" placeholder="Enter your question here" rows="6"></textarea>

                <input type="text" formControlName="answer" />

And getAnswers method could look something like:
getAnswers(question): FormArray {
    const answers = question.get('answers') as FormArray;

    return answers;
}

I have not tested this code, but this is how you would usually do it.

A: It's just looping the answers array for each question in the same manner as you are iterating your questions. In contrary to the answer provided by Husein, I would not call a function in the iteration, since it will be called on each change detection, which is often especially when you can have a lot of bindings. So what I would do in template is (shortened code)...
<form [formGroup]="questionForm">

      <textarea formControlName="question"></textarea>

          <input formControlName="answer">

</form>

DEMO: StackBlitz

redpajama_set_name: RedPajamaStackExchange


You can't beat a great tasting Parmesan cheese. It's the perfect touch for pizza, tacos, pasta dishes, soups or chilies – you name it. And this easy recipe tastes wonderful.
Place ingredients in a high-speed blender and pulse chop until crumbly. Store in a glass container.


Jens Leder and Dr Gabriele Bergner.
Their aim to lay 'stumbling stones' victims of the Nazi persecution in Teltow has led the two historians, Gabriele Bergner and Jens Leder, to the International Tracing Service (ITS) this week. For the members of the initiative 'stumbling stones in Teltow' this was the second visit to Arolsen. "On our previous trip we successfully researched the fate of Jewish residents," explains Bergner. "That's why we came back."
In the year 2011, the members of the initiative in Teltow have laid 16 stumbling stones and presented the exhibition "They were our neighbors - Jewish Life in Teltow to 1945". Now they began to investigate the fates of other persecuted groups. "We want to lay between 10 and 15 stones this year," says Bergner. "There were Communists who distributed the party newspaper The Red Flag, or other persecutees who opposed the Nazi regime." In the ITS archives, the researchers found orders for protective custody, prisoner registration cards, deportation lists and discharge papers from concentration camps and Gestapo prisons.
First, the researchers only had a few pieces of the puzzle. "On old leaflets I had found names which I could check in the ITS database," reports Bergner. "The residents' registration records from that time are unfortunately not available which makes the work for us more difficult." The researchers want to gather more information in the Brandenburg Landeshauptarchiv (Brandenburg state archives). The working group of about ten volunteers is supported by the town of Teltow.


Sri Lanka's World Cup cricket team has visited the Victorian Parliament, receiving an enthusiastic welcome from MPs and community members.
Speaker Telmo Languiller officially greeted the team when they attended a sitting of the Legislative Assembly.
"Welcome to Melbourne as we host the International Cricket Council Cricket World Cup 2015," the Speaker said.
The Sri Lankan team were special guests at an official reception with the Speaker, Minister for Sport John Eren, Consul-General of Sri Lanka Upul Pushpakumara, Victorian MPs and representatives of Victoria's Sri Lankan community.
On display at the reception was the ultimate prize – the 2015 ICC Cricket World Cup trophy.


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Often, it is difficult to identify and communicate workplace misconduct. We help you to contact an HR representative of your company or one of our experts anonymously and to clarify the incident.
If you feel that you are being treated unfairly in any way, especially in any of the following cases, you should report this behavior immediately.
What is a Whistleblowing System?
A Whistleblowing System allows employees to report workplace misconduct safely and anonymously to a designated office. In this way, grievances can be detected early on and financial and reputational damage can be preventively avoided.
Can I really report an incident anonymously?
Yes. You can decide how many and what information you want to reveal. We do not ask for your name, age or birth date.
At the end, you have the opportunity to leave us your email address to receive a confirmation of your report, making it easier to access your message and communicate with your employer or us.
What happens after I have reported an incident?
First of all, we encrypt your data and send you a confirmation email (if you have left us your e-mail address). Then, we review the incident and forward it to a responsible person in your organization or to one of our external experts. You can decide whether you want to talk to an internal or external person in the beginning of the report. The responsible person will then contact you about your individual case number. So you can enlighten your incident in an anonymous chat.
In addition, we are available to advise you. For example, if you would like a psychological or legal consultation, we will provide you with one of our experts.
Can I also report an incident as an Observer?
Yes. For affected persons, the first step is difficult. The more important it is, that there are people like you who are committed to report misconduct between colleagues.
Can I also report an incident as an Accused?
Yes. Of course, you should have the opportunity to be heard objectively and be advised.
What is Sexual Harassment and where does it start?
The German General Equality Law (AGG) defines sexual harassment as"unwanted, sexually determined behavior that [...] violates the dignity of the person concerned" (AGG §3 IV).
Sexual harassment can be done through looks, gestures, words or bodily actions.
— an employee says phrases like, "Sit on my lap!"
— any unwanted acts like kisses, or physical closeness.
What is Discrimination and where does it start?
— a promotion of the employee is rejected because he is "too old for the new post"
lease note: Not everything that is perceived as discriminatory is prohibited by law. Discrimination occurs when, for no material reason, someone is treated less favorably in a comparable situation than someone who does not possess that characteristic because of one of the above characteristics.
What is Bullying and where does it start?
Bullying is any form of offensive, intimidating, or malicious behavior or abuse or misuse of power that is used as a means of intimidating, humiliating or vilifying another person or having a similar effect.
Please note: This must occur regularly and over a longer period of time.
Can I also get psychological or legal help?
Yes. In coordination with your employer, we provide trained specialists and experts.
Please note: Your employer won't be informed that you are seeking psychological or legal help.
If you want to initiate legal action, an expert will inform you in advance and discuss this step with you.


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Dr. Anthony Nicosia is a physician who specializes in General Medicine and occupational Medicine. Carries out activities of general practitioner and occupational Physician. Dr. Nicosia carries out its work at the Surgery site, Via Morosoli n°17 in Catania. Receives general medicine, in the days of Monday, Wednesday and Friday morning from 9:30 to 12:30, Tuesday from 16:30 to 18:30 and Thursday by appointment reserved for their clients.
Dr. Anthony Nicosia is a physician who specializes in General Medicine and occupational Medicine. Carries out activities of general practitioner and occupational Physician.
Dr. Nicosia carries out its work at the Surgery site, Via Morosoli n°17 in Catania.
Receives general medicine, in the days of Monday, Wednesday and Friday morning from 9:30 to 12:30, Tuesday from 16:30 to 18:30 and Thursday by appointment reserved for their clients.
Private consultancy in inps / inail. Dr. nicosia provides private consultancy...
Occupational medicine. Dr. antonio nicosia, enrolled in the order of medica...
Technical consultancy office (ctu). Dr. antonio nicosia is enrolled in the ...
private consultancy in the field of inability to retire from the higher medi...
Who is the family doctor. The general practitioner (gp) or the general practi...
Occupational diseases: stress is part of it. The most common are diseases tha...
Safety at work: ebas inaugurated. Yesterday, at the ebas, the bilateral craft...
Inail: watch out for false emails. Inail invites you to pay "particular atten...
Why choose Studio Medico Dr. Antonio Nicosia
Punctuality and professionalism
Dr. Nicosia has its work in the most efficient way possible, ensuring its patients the highest level of professionalism and competence both in the field of basic medicine of the work medicine. His study is among the most famous in Catania.
Fairness and transparency
Contact Dr. Nicosia means having a guarantee of honesty and respect for the person. Can bear witness to the thousands of patients who have chosen to go to his studio and have appreciated the modus operandi correct and transparent.
Empathy and listening
It is not easy to find a physician who is capable of empathizing with the patient and create a mutual relationship that goes beyond the simple provision of medical care. Dr. Nicosia has always been known for his kindness and willingness to listen to his patients.
Privacy & Terms Studio Medico Nicosia | Via Morosoli, 17 Catania (CT) | Partita I.V.A. 04949160875 | Powered by WebSEO
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Front page changes: We have simplified the front page by moving Expert Panels and How will the Future be Different? to below Ask Athena on the database page. We've added a new Advisory Services banner there too leading to details of our most popular digital foresight methods and their associated lead facilitators.
Cognitive ability: We have increased Athena's cognition through her new ability to offer instant, potential 'Solutions' to your challenges and search results. Thus, we are using her forecast knowledge and intelligence to increase creativity and wise action in our clients and members organizations by offering what is already known about next practice. We will be working hard to extend this breakthrough in Athena's digital consultancy capability in the coming months.
Left-hand navigation: We have renamed Forecasts to Challenges better reflecting what can be found there.
More methods: We have renamed Prospections in the center panel grid to the simpler title of Tools.
We have extended the Gapfinder method in Tools to now cover automated audits of Industries and your own Career path.
We have also developed a new Spline Chart within Metrics | Comparisons that provides a fascinating look at predicted potential peaks and troughs in future years and the directional trend of any searched topic.
Export: When using the methods, the system now displays only the row number and forecast title to considerably speed up download speed. The full spreadsheet is still available under | Intelligence | Export.
Pay-As-you Go (PAYG): We have simplified our pricing by removing PAYG in favour of free and subscription services only, increased the ability to pay by credit card and added a service Upgrade button in the top bar of the database page.
Better data: In background we have fixed the thorny problem, faced by, and not solved by most content providers, of linking different used names for an organization e.g. FAO, United Nations Food and Agricultural Organization. This considerably improves the site Metrics.
In like manner we have deduped and cleaned up the Key People list and improved the underlying topics covered by Athena.
We will be doing more of this in the coming months to reduce editing, improve the search facility and implement eDiscovery for auto suggestions of new organizations.
Rivalries : We moved our separate competitor intelligence methods into Projects putting all methods in one place under Tools and removed the '+' add project button which then became superfluous.
Source analysis: The system can now analyse different organizations by type e.g. commercial or not-for profit, and display these in the Export All Spreadsheet. The spreadsheet also now displays the number of items accepted from a single source and multiplies this by an individual forecasts relevance and likelihood to provide a credibility score for the source. This is in beta mode right now. We have more work to do here.
Our next release will completely transform our database page, eliminating the central grid which has outlived its purpose, and replacing it with a much more intuitive, faster, flexible and simpler interface customizable to your personal needs.
Do contact us to see the ever-increasing power of our service to help you stay ahead of emerging opportunities and risks or to suggest new improvements.


BELMONT, Calif. - Another dual, another solid result for Washington.
The Huskies finished off their annual contest with Cal on Saturday in fine fashion, winning six out of eight 2,000-meter races against their archrivals in the Pac-10 Conference.
In the 100th addition of this storied rivalry, the top-ranked men's crew swept the Golden Bears to ensure the Schoch Cup would remain in Seattle for the fourth straight year. It's the best stretch for the Huskies since they won six in a row from 1993-98. Taking into account fast conditions on the Redwood Shores course in the Bay Area, the men's varsity eight capped the day with a blistering time of 5:31.6, giving the Huskies an open water win over the second-ranked Golden Bears and setting a course record in the process.
It was easily the most impressive row of the morning.
The Huskies have now swept the Golden Bears in consecutive years, including an impressive series of races against them last year on the Montlake Cut, when Cal came to Seattle as the No. 1 team in the nation. Overall, Washington is 69-29-1 in the battle for the Schoch against the Berkeley school.
The biggest win overall, for either team, came when the Husky freshmen (the Grunties) cruised to a 14-second win over their counterparts.
Both teams were treated to a fantastic atmosphere at Redwood Shores, fitting when you consider the historical nature of the rivalry. Callahan said fans from both programs lined the banks of the course and were quite vocal.
On the women's side, the team accomplished its goal of finding faster boat speed. The regatta began with consecutive wins by the Huskies in the varsity four and the novice eight, which continued its impressive unbeaten run through the spring season.Afterward, women's coach and rowing director Bob Ernst was extremely pleased at the improvement and the way his team has progressed since the Stanford Invitational last month. The No. 9-ranked women's varsity eight responded to a strong start by the Golden Bears to pull nearly even in the second half of the race. Against the No. 1 crew in the country, Ernst felt his team's response to the challenge in front of them was impressive.
The varsity eight sported a markedly different look than in races past, thanks to some late-week lineup swaps. Ernst said he felt the new look gave the Huskies a faster base rhythm, as evidenced by their strong performance against Cal. The goal for the crew is to develop enough speed to peak at the Pac-10 Championships, which are three weeks away.
Up next for both Husky crews is the 24th annual Windermere Cup on May 1, which will feature two high-profile opponents in Oxford University and Syracuse.


Please join us for a lecture on book design by M. Wright, The Tangible/Intangible Book.
Please join us for a sound poetry performance by Vincent Barras & Jacques Demiere of Traghetto Nuovo. Hosted by Temps Libre in Mile End.
Please join us for a screening and discussion with filmmaker, artist, and poet Jean-Jacques Martinod.
Please join us for two lectures by Aaron Schuster, author of The Trouble With Pleasure: Deleuze and Psychoanalysis. The lecture on April 4 will present the book's account of the relation between Lacan and Deleuze, while the lecture on April 5 will expand on the book's project through a reading of the problem of pleasure in Plato's Philebus.
Join us on March 14, 15, 16 for three lectures on the chronopolitics of race, gender, and sexuality with M. Shadee Malaklou.
Please join us for a talk and two workshops with artist, writer, and designer JP King, founder of the print lab PaperPusher. Workshop attendees are encouraged to bring in text and image selections for which they will be taught experimental printing techniques to create publications of their own design. Attendance for the workshops is limited to 15 people (email jessica_bebenek@yahoo.ca to RSVP). The artist's talk is open to the public.
Join us on October 4 for a lecture on deep learning and "The Evolving Brain-Computer Metaphor" by Renee Tursi, Fulbright Visiting Research Chair at Concordia University and affiliate of the CEP, 2017-2018.
For the Jena Romantics, the term Poesie was understood not as restricted by reference to poetry as a form of literary writing, but rather as a form of knowledge and practice encompassing the arts and sciences as well as the conduct of everyday life. This "expanded" concept of poetry, or poiesis, was articulated at the outset of the Industrial Revolution and intimately tied to the transformation of social life by modern technology.
The goal of this two day symposium is to situate contemporary practices of "interdisciplinary" poetics with respect to this Romantic precedent, considering the intervention of modernist pan-artistic experimentation as a key mediating term of their relation. How have interdisciplinary approaches to poetry and poetics been transformed across the history of modernity by social, political, and technological changes at the beginning of the nineteenth, twentieth, and twenty-first centuries? Expanded Poetics: Romantic, Modernist, Contemporary will bring together poets, critics, and theorists to address this question from a variety of perspectives, modeling examples of contemporary poetic practice and theorizing the historical, political, and aesthetic stakes of poetic interdisciplinary in the present.
The Occult Poetics Symposium brings together some of the most exciting voices in Poetry and Occult Studies for two days and nights of presentations, practice, and readings.
PRESENTATIONS during the days will be on the practitioners poetics as influenced by occult practice. We'll cover topics as diverse as tarot, symbolism, numerology, the power of ritual, embodiment, mysticism, shamanism, witchcraft and magic, historical inheritance and personal lineage, divination, spirit worlds, non-human communication, empathy, intersectionality, ecology and exploitation, and fermentation.
READINGS in the evenings will showcase visiting practitioners' poetry and offer the opportunity for further discussions of the intersection of the occult with poetry and poetics. We will also be showcasing tarot, astrological, etc. readings by local practitioners, as well as the reprisal of Mystic Insights Ltd.


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YouTube Gem: If Birds Could Fly – "We Got Love"
This is one of the most phenomenal songs we've ever found on YouTube. That is not an exaggeration for dramatic effect. Just… click play. The band is called If Birds Could Fly and they feature the vocals of Miss Brittany Carter. After you pick …
YouTube Gem: Wylie Hunter – "Child of Summer"
This is a true YouTube Gem. At the time we found it, it only had 3 views. We're hoping that you all will love it as much as we did… and that you'll share Wylie's talents widely. His vocal tone is awesome and …
Album Review: Jason Connelly Band – Leave Your Hat at the Door
Jason Connelly Band is a touch of southern rock, a dash of pop rock flavor, and a phenomenal lead vocalist. We wrote in our YouTube Gem that JC sounds like Adam Levine of Maroon 5. On the album his voice doesn't stand out …
Justin Townes Earle – Nothing's Gonna Change the Way You Feel About Me Now
We've raved about Justin Townes Earle on this site before. He's really an incredible songwriter, especially when he stays true to his own roots. He's got some of the saddest but beautiful lyrics being written today. The latest offering from Earle, Nothing's Gonna …


5 3/4 x 15 1/2, in ink, written by M.H. Harman to Col. B.J. Hill.
I suppose you have heard that I left your horse. I hope you did not believe that I would take your horse and leave it under such circumstances. My word [is] my bond. I will stay in your house and take the very best care of it I can. [General Joe] Wheeler's men are in the store room but have done no serious damage. They have destroyed 3 or 4 droves is all. I have made it my special business to be in there every day once or twice and carefully examine the house and used every exertion possible in my power to prevent damage and loss. My wife has fondly gone on a visit to her Father's. I am here and will remain until you call for your horse. You need not listen or may hear in relation to my leaving there is not a plank missing from the fence while others have lost all their garden fences. I stand my ground and stay by what I've got Yankees or no Yankees. I would like to hear from you soon.
Light age toning and wear with an irregular right edge of the paper which does not affect any of the content. I believe this letter to be circa 1862-63.
General Benjamin J. Hill: (1825-80) Born near McMinnville, Tenn. At the outbreak of the Civil War he was appointed colonel of the 5th Regiment, Provisional Army of Tennessee, which later became the 35th Tennessee Infantry. The regiment served in Cleburne's brigade, and Hill led it with distinction at Shiloh, in Bragg's Kentucky campaign, and in the battles of Murfreesboro, Chickamauga and Chattanooga. At Chickamauga the gallant Colonel Hill won this high praise from Lieutenant General D.H. Hill, "The extraordinary merit of Colonel Hill of the 35th Tennessee came under my personal observation. This noble officer has been distinguished on many a hard fought field." At Missionary Ridge, Hill commanded the 35th and 48th Tennessee Regiments, and in late 1863, he was appointed provost marshal of the Army of Tennessee, and served in that capacity during the Atlanta campaign. He distinguished himself in John Bell Hood's Tennessee campaign, and as a result was promoted to brigadier general on Nov. 30, 1864. In the last months of the war he commanded a cavalry brigade under General Nathan Bedford Forrest and participated in the campaign against Union General James H. Wilson.


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RFE/RL – Radio Free Europe/Radio Liberty
'Terrorists' Blamed For Syria Pipeline Blast
Syria's state news agency says "terrorists" have blown up a gas pipeline in central Syria.
There were no casualties.
The blast happened near the town of Rastan in restive Homs province.
SANA says the attack cuts off supplies to two power plants.
There have been several attacks on gas pipelines since protests against President Bashar al-Assad's regime began in March.
It is not clear who is behind the attacks. The government has blamed them on "terrorists" and "saboteurs."
The opposition says the regime is playing on fears of terrorism to rally support for Assad.
The United Nations estimates that more than 5,000 people heve been killed in the security crackdown on protests.
An Arab League foreign ministers' committee plans to meet on January 7 in Cairo to discuss a preliminary report from monitors sent to Syria to observe compliance with an Arab League-brokered plan to end 10 months of violence.
On January 2, Arab League Secretary-General Nabil Elaraby said the army had withdrawn heavy weapons from cities but admitted security forces were still killing protesters despite the presence of Arab League observers in the country.
compiled from agency reports
Copyright (c) 2010-2020. RFE/RL, Inc. Reprinted with the permission of Radio Free Europe/Radio Liberty, 1201 Connecticut Ave., N.W. Washington DC 20036.
Provinz Homs: Laut staatlicher Nachrichtenagentur haben "Terroristen" eine Gas-Pipeline nahe der Stadt Rastan in die Luft gesprengt; dabei wurde niemand getötet oder verletzt
Syrien, Arabische Republik
http://www.rferl.org/content/syrian_media_blame_terrorists_for_pipeline_blast/24440874.html


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Winning Cities in Mayors Challenge Receive Prizes to Implement Innovative Ideas
March 19, 2013 at 6:56 PM ET by Cristin Dorgelo
Last week, Bloomberg Philanthropies announced the winners of the Mayors Challenge, a competition designed to encourage American cities to generate innovative ideas that solve tough problems. Proving that there is plenty of room for big ideas in a small state, Providence, RI, won the Mayors Challenge Grand Prize for its cutting-edge early education initiative.
Last week, Bloomberg Philanthropies announced the winners of the Mayors Challenge, a competition designed to encourage American cities to generate innovative ideas that solve tough problems and improve life in the city.
Proving that there is plenty of room for big ideas in a small state, Providence, RI, won the Mayors Challenge Grand Prize for Innovation and will receive a $5 million implementation award for its cutting-edge early education initiative.
Prizes also were awarded to Chicago, Houston, Philadelphia, and Santa Monica, each of which will receive $1 million to support implementation. The five winning ideas highlight the diverse array of complex and common challenges facing cities:
Providence, RI (Mayor Angel Taveras): Providence Talks – Combines a new approach with proven technology to measure vocabulary exposure for children in low-income households and help parents close the word gap that can keep children from achieving their full potential;
Chicago, IL (Mayor Rahm Emanuel): The Chicago SmartData Platform – Builds an open-source, predictive analytics platform – aggregating municipal information in one place to help city leaders make smarter, faster decisions and improve services and address problems such as weather emergencies and traffic jams (video summary);
Houston, TX (Mayor Annise Parker): One Bin For All – Creates an innovative public-private partnership to combine existing technologies to achieve the ultimate goal in waste management – a one-bin, high-recovery system that will aim to recycle 75% of all household waste (video summary);
Philadelphia, PA (Mayor Michael Nutter): Philadelphia Social Enterprise Partnership – Launches a new procurement process that makes it easier for entrepreneurs and social innovators to help generate solutions to the most pressing city problems (video summary); and
Santa Monica, CA (Mayor Pam O'Connor): The Wellbeing Project – Uses a sophisticated index focused on economic vitality, social relationships, health, education, social services, and the quality of the city's physical surroundings to create an integrated, data-driven assessment of wellbeing that can be applied directly to local policy-making (video summary).
Mayors of U.S. cities with at least 30,000 residents were eligible to compete in this inaugural challenge, and 305 cities representing 45 states tossed their municipal hats in the ring. Twenty finalists were selected and, in November 2012, teams from each of those cities attended Bloomberg Ideas Camp, a two-day gathering in New York City, to help refine and strengthen their ideas. After Camp, finalists received individualized coaching to prepare their final submissions in January 2013.
Congratulations to the winning cities and to all 20 finalists for creating innovative ideas with the potential to solve problems, facilitate data-driven decisions, tap the ingenuity of citizen solvers, and improve city life for residents.
And, kudos to Bloomberg Philanthropies for using an incentive prize competition to drive innovation. The Obama Administration has taken important steps to make prizes and challenges a standard tool for open innovation in every Federal agency's toolbox to spur innovation and advance their missions. Since its launch in 2010, Challenge.gov has featured more than 240 prizes offered by over 50 Federal departments and agencies.
Cristin Dorgelo is Assistant Director for Grand Challenges at OSTP


It's only been two weeks since this season of The Bachelor started and already one contestant is proving to be a fan favorite. Twenty-three-year-old Cassie Randolph is a speech pathologist and avid surfer from California, and she's ready to swim right into Colton's heart. But whether or not she wins over Colton, she's already won over the hearts of much of America. But who is Cassie on The Bachelor, and why is everyone already so obsessed with her?
Even among 29 other women vying to be Mrs. Colton Underwood, Cassie stood out right from the get-go of Bachelor Season 23. She opened up to Colton right away when she made her limo entrance by telling him that she was so nervous that she had butterflies, and offering him a box of literal (fake) butterflies. That was all pretty cute, but and even cuter moment came after Cassie walked away. The camera lingered on Colton, who picked a butterfly up off the ground and pocketed it in his suit jacket. Colton might have already gotten bit by Cassie's love bug in that very first moment. Can you imagine if she's the one and Colton gives her that butterfly along with the final rose? It's the stuff of Bachelor fairy tales.
If Colton does pick Cassie, she'll have to balance their relationship with her studies. According to her LinkedIn, she's currently is on track to receive her masters degree in speech pathology in 2020 from University of Wisconsin-Eau Claire. While she's working toward that degree, she's also working as a substitute ESL teacher at both Huntington Beach Adult School and Huntington Beach Union High School District. Cassie is clearly passionate about what she does, and she even showed some of her skills to Colton on the first night. She taught him some American Sign Language and fans were instantly impressed with her.
It makes sense that Cassie is working in Huntington Beach, CA, since she is a California girl through and through. She was born and raised in the Golden State, along with her actress sister Michelle. According to Cassie's bio ABC.com, she grew up at the beach. Her Instagram is filled with fun shots of her surfing and soaking up the sun.
Cassie's Instagram is also jam-packed with pics of her two cats Maverick and Goose, as well as other photos of her declaring herself a bonafide cat lady.
It's a known fact that Colton is a big dog lover, so hopefully if he and Cassie end up together, they can get over their differences and learn to love both cats and dogs together. It's clear that whether or not Colton falls in love with Cassie, all of Bachelor Nation already has. Twitter has exploded with fans talking about how much they love Cassie's sweet, down-to-earth demeanor.
Each year, Jimmy Kimmel predicts the winner of The Bachelor, and this year his pick is Cassie. So, Cassie fans might be in luck because she might be in it for the long haul.
Season 23 of The Bachelor continues on Monday, Jan. 21, at 8 p.m. ET on ABC.


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Live Free Die Hard
Tuesday Feb, 2012	5:39 PM	| by admin	| NO COMMENTS
supercop as superhero, John McClane is back, "Die Hard 4"
Despite the senseless and implausible cyber-centric plot that keeps interfering with the brilliantly bombastic action scenes, "Live Free Die Hard" is this summer's best adventure-by a mile.
Could it be that 19(!) years have passed since the original "Die Hard" set the new standard for thrill-a-minute action and spawned the gritty but lovable anti-hero NYPD cop John McClane which launched Bruce Willis' career to the stratosphere? ("Entertainment Weekly" magazine recently named "Die Hard" the greatest action movie of all time.)
Fans of the franchise that includes two other decent installments (1990's "Die Hard 2: Die Harder," and 1995's "Die Hard with a Vengeance.") will not be disappointed by the head-shaking, magnificently staged and executed action scenes. And fortunately, they come thunderingly loud and often. Whereas previous installments were situation-focused and involved only a building, an airport, or a chunk of the Big Apple, "Live Free" has apocalyptic ambitions on the mind of its hacker heavies.
Led by disgruntled former federal IT security wiz Thomas Gabriel (Timothy Olyphant), a rogue group hacks into seemingly every national computer-run system to create traffic chaos and security breakdowns that serve primarily as diversions. Gabriel's ultimate goal (of course) is to pull off the greatest financial fleecing in history. Expectedly, McClane ends up in the middle of the mayhem while trying to protect a cyber dweeb (a likeable Justin Long of the Apple commercials) who himself has become a target for the villains.
"Live Free" plays up the old school cop's crustiness against the glib frailty of the young slacker, and gives both Willis and Young enough wiseacre comments to keep things light. Actress Maggie Q as the bad girl henchwoman has one particular t?te-?-t?te with McClane that concludes with a memorable SUV-in-an-elevator-shaft showdown. Somehow, McClane fighting off a pursuing Harrier jet while driving a semi-trailer only barely seems over-the-top– a tribute to director Len Wiseman's ("Underworld") ability to disguise CGI effects with creative prop choreography.
Even low-tech novices will tire quickly of the seemingly superhuman ability of anyone who sits at a computer to be able to hack into any system and overcome any security system in seconds. Why would such brilliant evildoers waste so much time, money, and energy figuring out endless firewalls when it's so easy to crack into any bank and transfer endless amounts of money?
Ah, but if that were the case we wouldn't get to see McClane use a police car to down a helicopter. Yipee-ki-ay your way past the plot flaws and enjoy the ride.
(Though the film racks up quite a body count, it skirts an R rating for lack of enough profanity and no nudity. Still, parents should be cautioned.)
Rated PG-13 for violent action and strong language. Running time 130 minutes.
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