Pig Feet Diet

by qinfovio 15. April 2014 16:05
Good afternoon,
Investing and planning into your own health is probably one of your best way to live longer and better.  I routinely invest one day a week to be out in the nature that I am calling "D Day" meaning vitamin D; a 30 to 45 minutes five days a week for the cardio work out, and I include pig feet in my monthly diet. There are good for your knee caps, full of gelatin. (I get it from an ex marathon runner)
Part of investment into my own health and I will encourage you to get Hair Analysis it is not a high cost to get it done but it will give some nice guidance on any deficiency or excess that you might have. I have found on myself a high level of Uranium that I am getting a treatment to get it removed and I will wait tocheck the new test. I checked with our local water agency for any testing and their respond was that they test water for bacteria only.
I have been watching my water bill closely at my new office, trying to figure out how to get it down. We are flushing toilets four to five times a day, using sink to wash hands and couple dirty dishes...4 to 5 days a week, not a large amount of water.
I am still getting an average $35.00 in water bill. By looking closely to my water bill, water usage is $5.28 and the rest are just junk fees.
We have received numerous letters (as property management) asking to notify all our tenants to report any water leak and to watch their water consumption. I attach article that was running in one of Casey Research News letter. It tells you that there is a lot of room for price increase.
This Tuesday Talk has help me a lot since I was questioning myself what should I tell you and share with you and what I shouldn't.
The purpose of this Weekly Talk is not to sell you anything but to bring you the information. But by the mean time, it was conflicting with my own business, selling real estate.
I finally resolved these questioning's issues couple weeks ago and I think that it is going to help you and us a lot.
The way that I organize the all things, is by having three drawers, well separated to each others:
+The first drawer is our today's economy up to the 2 coming 3 years. I will expect a very good 2 to 3 years    ahead with even lower interest rate. 
+Second drawer, from 3 to 5 years a head.
+Third and last drawer 5 to 10 years.

It seems that in today's world, everything has been subdivided into more subdivided stuff for the only purpose so no one can figure out how it works any more. It is done for the purpose to create more jobs; as now you have to visit with six doctors, each of them with their own specialty instead of the family doctor that we used to have. It is the same with dental, constructions, financial industry, economics and the list goes on. 

So today, I am bringing you "The New Cold War Has Begun" to be put into the second drawer. It is also coming from Casey Research, a free subscription that you might want to consider. As I mentioned last week, we cannot live today the tomorrow.
We have been conditioned to look at each different statistic from our economists for the only purpose to please our politicians so they can be elected; But looking through inside our own thought, we know that numbers don't lie, but you have also to live the present.
So, You will not be confused anymore by just getting organized as I stated above. You can live the today and prepare yourself for the tomorrow.
And as they said many times, if they are wrong with their prediction, we will be in good shape.
Thanks and I will see you next week!

Christian Viollaz

License 01318338

Distress Sales/Bank Foreclosures Hotlist


04.14.14 NOD.pdf (6.90 kb)

04.14.14 REO Third Party.pdf (10.96 kb)

04.09.14 Water Supply in California Invest in Whats Really Important.htm (48.85 kb)

04.14.14 The New Cold War Has Begun.htm (7.08 kb)


Health | Economics

What Is a Hard Sale Now Will Be a Hard Sale Later

by qinfovio 8. April 2014 17:01
Good afternoon,
Since we had only one sale for the entire week of REO/ 3 Party list, I did not bring you that list, but instead I am bringing the list of up coming auction date sale. As you can see, this list is very long, and it is amazing that only one sold for the entire last week.
For investors that go to the court house, it is a lot of time consuming but if you want to bring home price up, it is the best way to do it.
Since most of you don't have the great opportunity to enjoy the beautiful scenery and previewing all types of property all around our County, I am bringing them to you. It is a lot of fun and you are welcome to check them during their open house or you can just contact myself.
I am bringing you the ones that get my interest; I will not comment to much about pricing but I will prefer to compare them like apple to apple.
Los Laureles Grade is located between Highway 68 and Carmel Valley Road, it is the junction of these two valleys.
This property has probably one of the best view overlooking toward the Salinas Valley area. It is a very well built property, seems to be much more than 2496 square feet. Every bedrooms, bathrooms, rooms have a nice views, great floor plan.
26179 Rinconada Laureles Grade Carmel Valley $1,799,000 If you plan to buy in this hilly area, with all kind of valleys, you have to keep in mind with the wind. And this one seems to be well protected.



 This one is pass Carmel Valley Village, it has a beautiful pool, it has 3441 square feet living space with three tiny bedrooms

15506 Via La Gitana Carmel Valley $2,120.000 When planning addition or building a new home, using common sense will be your best friends. Try to balance room size, flowing through the room need to be Zen mostly when we are speaking millions dollar home. Try to get an architect and maybe also a Realtor to double check if the improvement or the new property will fit into our market and future market.



I also visited a property and I mentioned with other agents that walking to the master bedroom right side make you feel like walking on a sink hole. This ground area has settle down over an inches. The issue was fix by engineers and proper reports were pulled out.


What is a hard sale now will be a hard sale later on for the next buyer and I will not be pushy on that one.  



This one has my attention due to the location on David Ave, it is tuck away of this busy street. It is well maintain, you can also 1202 David Ave Monterey $685,000 open the ceiling and use the heights and beams to bring more character to the property.


As I am searching for income property, multi residential, duplex and up, I can see some great opportunity in this type of market. 513 Park St Pacific Grove $739,000 Duplex I really like that one in PG, very clean, not far away from town. It was probably use as vacation rental, is very well decorated, it has two bedrooms, one bath each.


This duplex is also in PG, perfect condition, with a garage for one unit. It could also be use as vacation rental but you will need to check 207 8Th st PG $749,000 Duplex with the City. We are seeing more and restriction, usually length of time.





As I was mentioning last week on how I try to organize and reset myself.


Speaking and researching our economy; You cannot live today the tomorrow (3 to 5 years ahead) or even longer time (7 to 10 years).


It is like looking at the formation of the continent. Try to understand on how the Appalachians mountains were created seems to be very complex. But looking at the global entire movement of the continent with the moving plates makes more sense.


Staying focus and organize on this subject will bring me and you a lot of future's opportunity.


Thank you and I will see you next week!


Christian Viollaz
License 01318338
To Find Out What's Your Home Worth?

04.08.14 Auction Date.pdf (43.14 kb)

04.08.14 NOD.pdf (7.08 kb)


Real Estate Economics

Do You Want More Real Estate Bubble, Here It Comes

by qinfovio 1. April 2014 15:09
Good afternoon,
We are finally getting some rain and we might expect some landslide usually in the Big Sur area if it keeps raining.
I want to bring you the tragedy of the landslide in Oso Washington that is taking more lives. As we are moving into the second weeks, every one try to find some one to blame or find a way how to prevent this type of situation. I saw in one interview where survivors, homeowners that purchased property within the last 5 years, were asked if they were aware that they were in a landslide area.
In all real estate sales in our State of California, we are required to provide to to all buyers "The Hazard Disclosure Report", it used to come in hard copy, nice booklet of at least 60 pages ad more. As we are moving with our recycle world, all these reports have not be send to us and to buyer as PDF file or a link.
I wonder how many buyers go over this report. There is a lot of stuff in it. I attach for your own review two of them. I always check for earth quake zone, seismic fault, fire area, flood area, Megan Law...I don't go over the entire report but mostly over these main issues...
One was made for a property in the City of San Leandro and it seems that they might have a dam not far away and it could be very shaky in case earthquake. 
You will find similar report on the other one in Seaside. I usually go more into the report with buyers new to our area, concerning potential noise due to the airport, flooding in the Carmel Mission Fields area, fire hazard in the forest area and each area. 
When ever I have buyers ready to make a decision and to move ahead with their purchase, I will pin point them all the good and bad for a specific location and at sometime, I will just said that I will not buy it for myself.
Here again, location is the key factor for any purchase and it could be hazards, crime, neighborhood...I will disclose and buyers will make their own decision.
I am bringing you three properties that should be moving fast. If at the later time you are coming back and click on the link and it does not show the property again, it means it is not available anymore.


496 Mar Vista Monterey $608,000 I like this one a lot, in the Skyline Forest Area. Prime Monterey location, within 10 minutes to any local towns. The house is very clean and was mostly redone, will just need to upgrade one of their bathroom. It has nice yard, lemons tree, bay view.


999 David Ave Pacific Grove $699,000 is located on a kind of busy traffic area during rush hours, but you cannot hear any noise from inside the property. I would like to recommend this one to go check. It is in immaculate condition, completely dress up to be sold.


1251 2nd street Duplex Monterey $699,000 very clean, nice duplex, very private, each have their own space, double cars garage, next to NPS Navy Postgraduate School.


Price seems to be right and they all have one common point that I always like, is their location.






I have always been looking five to ten years ahead of my time, mostly since I passed 30 years old. I knew that when I was at my mid thirty that I will have to make a career change. As a Chef Owner and being in the hospitality for almost 20 years, it is getting hard on your physical, mental because you are always on the run.


On the business side of it, if I have to pursue into this career, I will have to relocate to LA, San Francisco, Las Vegas. But if I want to stay over here, in the Monterey Peninsula, I will have to recycle myself into less physical job. I came into real estate just as into cooking out of nowhere.


As time passed with all the hurdles that we went through with our economy, I keep looking into the next ten years ahead of myself with the job situation,and within the next five years with the financial situation. The best lesson that I learned was to live one day at the time. Too much planning will bring you nowhere.


As now, real estate in Las Vegas, Phoenix, all around California are up 40% in value from their low bottom. We are in our way to fully recover value lost that we had and we will go back to 2006 homes price and even higher. We have all the right ingredients with low interest rate, cheap credit.


I keep researching, analyzing, reading and I came to the point that I need to add one more step to my 5 and 10 years planning: I have to add the 1 or 2 years plans, the today, the day by day economic situation.


You have to be organize and put all that stuff in order with our today's business. It is like a big file cabinets with a bunch of drawers, knowing what to expect with thin the next 2 years, and next 5 years and longer time period of ten years. 


You are welcome to check Me on the Phone with the last week Tuesday Talk and You click on it if you like it so we can stay connected.


Thanks and I will see you next week!



Christian Viollaz
License 1318338
9 Buyer Traps and How to Avoid Them

04.01.14 NOD List.pdf (6.00 kb)

04.01.14 REO 3 rd Party.pdf (7.89 kb)

San Leando DisclosureSave.pdf (288.85 kb)

Seaside JCP Report Natural Hazards .pdf (339.68 kb)


Real Estate | Real Estate Economics

A Monkey Itself is Not less Than a Monkey

by qinfovio 25. March 2014 13:27
Good afternoon,
I am bringing you two important reports today.
On one side, it covered the housing distress sale market in California from Foreclosure Radar.
It really show you the declining market of default property.

2014 Foreclosure Radar Report


this report is more upfront with the market housing situation


                                than the other one that I attach "February 27.2014.

This one is coming from the California Association of Realtor that say that we are on the right track as the Economy continues to improve.


Home's sales are moving again for the past couple weeks.





As I am touring the Monterey Peninsula to find the best market to buy in, I will have to say that you will have the more home for your money in the Carmel Valley area. From the medium $700,000 to a $1M and the more you go up, the better it is.


It is a great time of the year to visit this area, with lot of flowers that are just blooming from early spring.


Buying a home in this area is also safer at the higher price. But always try not to buy the best house in the neighborhood unless you have a bargain.


I want to bring this one to you today at  180 Calle De La Ventana Carmel Valley $1,080,00. It is around 10 minutes pass Carmel Valley Village, up on the hill on the right side. It is a really good bargain for this house.


What I have seen a lot in the Carmel Valley area; are that homeowners are using extra income for renting other spaces on their properties.


It is a great idea because it is probably the only way that you can qualify for a mortgage. This property has a nice entrance to the main house with an incredible view of the valley. On the left side of the property, there is a guest quarter that is very large, very spacious, very private, with almost a two bedrooms and one bathroom, kitchen, living room.


On the the other side of the property, there is another guest unit with one bedroom, one bathroom, living room, kitchen. 


Both units are on each side of the property with their own entrance. They bring an easy $3,300 of income. When you use this income to help you to get a loan, lender will use 75% of the income to bring into the loan, in this case $2,475. 


They have permit for all their bathrooms and guest units.


With a 20% down payment ($216,000), mortgage would be at around $4,823, minus rental income, get you down to $1,523.


You can also add the income to lower your down payment. You can also sell your home in other areas of the Peninsula that you bought two or three years ago, plenty of equity.


As it come to finance, you will be better off to use a mortgage broker that will have more flexibility on bringing you the best product/plan into your purchase.







As I am starting to blog my Tuesday Talk and sharing this blog to Twitter, Face book....

I have to put a headline, a title for each week with couple pictures to get people to check it out.


I will name this week blog "A Monkey Itself is Not less Than a Monkey".




As I visited more property in the Carmel Valley area, I run into one where like 180 Calle De La Ventana where owners have couple living units in their barn with couple bathrooms. Very great idea to get more income.


The question that I ask to any Realtors with additional unit or even with a swimming pool, does the property has a well or is it CALAM water and if with CALAM, any permits? If owners did not get any permit and it has already use his 2 1/2 permit allowance, no other bathrooms will be permitted.


Selling a home with added bathroom unit and in this case in the barn, will need to be taking down. And in this case, they also added these units to selling price of the property.


What good is to list a property for sale without fixing any major issues. First you will need to take down $300,000...$400,000 of the selling price, even more if it was over price, then removed or cap all water supply. And of course, I am sure that sellers are all smiling and running the numbers already, but as the title for my week blog "A Monkey Itself is Not less Than a Monkey".


Thanks and I will see you next week!


Christian Viollaz
License 01318338
Don’t Pay Another Cent in Rent To Your Landlord ...





February 27.2014.pdf (4.77 mb)

03.25.14 NOD Liist.pdf (7.10 kb)


Quacking Chicken

by qinfovio 18. March 2014 15:43
Good afternoon,
I want to bring you back from to my Tuesday Talk of March 04 with this PG's condo. It was sold for cash for $565,000. The link will not work anymore, only when it was active.
It is a nice townhouse located in one of the best complex in Pacific Grove. It is gated, it has 3 bedrooms, 2 baths, 2 cars garage, a patio over looking the lake tennis court with a monthly HOA of $310.
When I am looking to invest or buy a condo: I first check the location within the city, the city itself, location in the complex, the condition
of the unit, condition general aspect of the complex. I will rate this unit a A+. Once it comes to the price, it cannot be sold more than appraisal price.
A short comment that I would like to add is by seeing and visiting many property, I and most real estate agents know when we have a good buy.
A condo versus a single family home? For most investors, they will check at the same items that I mentioned and also at income.
I have seen similar sales price in the Skyline Forest area, all cash. Investors are slowing getting out of the bond market to a safer place, Real Estate.
If you are planning to step in, It is very important to try bring an offer the sooner as possible and try to close the deal to compete with any cash offer.
I mentioned couple weeks ago saying that I visited a bunch of homes in Seaside and that most of them were over price.
As today, inventory in Seaside is increasing to 32.
As now, I am beating the drum to buyers to step it. You are going to be able to renegotiate as supply is increasing. You don't have to wait for the price to be reduced. A lot of these homes are flipping homes and investors need to get their cash back.
While I was walking to one these homes, getting to find the lock box,  I started hearing https://www.youtube.com/watch?v=lmevJzXALpk
couple chickens over the fence. They were extremely noisy and even with the closed door and double window panel.
Luckily by visiting other properties I ran into a site inspector from the City of Seaside under the name of Laura. I asked her what was the status concerning farm animals with our city. Chickens are allowed but rooster are ban.
It did not make much sense since I consider both farm's animals.
I am also aware that some properties around Del Monte Golf Course in Monterey have goats.
The reason that I am sharing with you this story is that you have to check with your City and County for their ordinances concerning farm animals. I loved them, they are fun and it is great to have them around on one acre or larger size property but I don't think that they fit in any residential property. They will affect the sale of your property. And a seller, be sure to disclose it if you plan to sell.
The world's economy, mostly in Europe and the U.S is still very fragile. We are using a lot of monetary printing not just to pay of our interest's debts, but try to cover our unbalance budget and we cannot catch up.
As we are getting into a new crisis with the situation in Ukraine, more specifically in Crimea with more economics' sanctions from the West to the East, and Russia back to the West. Russia is supplying over 30% of natural gas to Europe, with Germany being their larger trader.
I will expect this situation to affect our stock market, our monetary policy, and the rest will follow, including real estate, lending.
My on going studding with the book "Market Wizard" with all these main traders, showed how News affect market at different past financial events. Sometime the market react to News, sometime it don't.
Thanks and I will see you next week!
Christian Viollaz
License 01318338
To Find Out What's Your Home Worth?


"The secret of freedom lies in educating people, whereas the secret of tyranny is in keeping them ignorant."-

by qinfovio 11. March 2014 15:26
Good afternoon,
The slow dripping of homes ending as REO and 3 Party should be changing direction this year.
A quick review of: What is a NOD? The first step that as soon that someone default on their mortgage, lenders will follow
all regulated procedures that precede the foreclosure process. Lenders are required to make multiple attempts to connect with the homeowners and to assist them with any available programs. It usually takes an average 60 days and if no respond are made from homeowners, NOD Notice Of Defaultwill be recorded.
What is a foreclosure property that end up as REO or 3 Party? If no solutions were made to assist homeowners, property will be sold at
the Court House, and also online through Auction.com. Sales are cashier check, Buyers will be considered 3 Party/Investors and many
times, Lenders are ending getting their property back and it is then called REO property.
The biggest draw of this type of sale is that there is no title insurance, meaning you have to check if there is any other liens and their positions...
Meaning if you buy a property second loan that seems very appealing at first, there is a big chance to get a larger loan in front of it...
Meaning that you will end up with the need to buy the first loan or loose your money.
You have to do your homework and the best way to find out at the court house is if you are the only one that is betting on it.
It also happen when you try to buy from homeowner directly that will give you a grand deed, but has couple recorded loans on it.


Instead of having lenders that are getting heavily regulated to deal with the entire foreclosure process, these defaulting mortgages are sold to "Loan Servicers" that take over the process. Lenders might finally found a new flood gate!
As the press like to use all kind of useless word to confuse and create fears on you, in today's world Banks and Lenders have the same
identity with the exception of few local banks.
We have a new regulation started with Chase Bank first, and if you run a property management, you will need to adjust with the change. You renters will not be allowed to make any cash deposit through deposit slip into your account, even if it is a business account. They will need to use check or handle you the cash deposit.

I will be bringing this Tuesday Talk into my blog at my site  http://www.carmelforsales.com/default.asp that will be post into my face book
I am at the earlier stage to try to figure out how to use all these tools. The person that is leading me in this new venture is James Albucher with his book "Choose Yourself" and you should be able to click on the link above.
As I mentioned in another blog with the Lost Interview by Steve Jobs, one of his main message is To learn How to Think.
I had used his philosophy many times and most recently with our evolving economy. I am very fortunate to be in the right field for that purpose.
I am starting my 14 years as a real estate broker, and my own brokerage for 10 years. I brokered loans for 4 years, passed my real estate appraiser license. I had my financially hardship in 2009, I lived through it and now I try to figure how did the all thing happen.
As when I started my real estate career, it was a large 500 pieces puzzle to put together and is now completed.
I started over 4 years ago to research all the elements that created this big mess and it seems that everyone had forgot about it already.
Why? Because we were conditioned and put into a way of thinking, a mold for the past 50/60 years that does not allowed you to think.
Our government and politicians are doing the thinking for us, it is more convenient and without knowing if they are right of wrong.
As I already mentioned, you cannot just take a look at a specific item, like real estate, banks, but also at what create values, at our GDP,
at our the national and world debt, unemployment, stock market, monetary...try to interlink and put this 1000 pieces puzzle together.
It is more like looking at that the formation and the movement of the continents. And the biggest challenge is to find a way to bring it to You.
The latest book that I am just starting is "The Money Bubble" by James Turk & John Rubino.


The first imprint in their book: "The secret of freedom lies in educating people, whereas the secret of tyranny is in keeping them ignorant."-Robespierre
The purpose of this evolving and any kind of research is to understand what it takes to think.
I will be sharing and bringing to you all these items and at one the time, we will be able to pull the string and all pieces will fit together.
Thank and I will see you next week!
Christian Viollaz
License 1318338
9 Buyer Traps and How to Avoid Them

03.04.14 NOD List.pdf (10.52 kb)

03.04.14 REO 3 Party.pdf (5.36 kb)




Real Estate Economics

Are Your Eyes Bigger Than Your Stomach?

by qinfovio 4. March 2014 16:14

Good afternoon,
I am meeting a lot interesting peoples with our new office location. I always like to have my real office to be located at the street level as close to the down town as possible. (But I will not pick Alvarado St in Monterey, why? Go check it out...).
That way, you can have a better feeling of the community, businesses around yourself. But according to our city in Seaside with their new zoning concerning the West Broadway Development, all offices are supposedly to be at the second floor in this project or heavy penalty for their use permit.
Just before noon today, someone, a lady, was walking through our door, looking for a rental. I listened to her story mentioning that they used to own a real estate office in Seaside. They lived through the creasy time of our last real estate boom, had many agents, were making a lot of money. From one single family home, went to buy a 5 acres mansion in the Prunedale area, Jaguar car....living a millionaire life.
And suddenly the market started to change, their real agents were living the industry with the up coming bubble, they lost all their properties, through foreclosures and end up in a 2 bedrooms, 1 1/2 bathroom apartment in South Salinas. Her husband went back to sales in a different industry. Then health issue came up, they have health insurance but not enough to cover all the bills at over a $1 million.
It is a true story that they tried to move on and get their lives back and it was not a long time ago, only 2009. But it seems that we try to forget this story that happen to millions of American family.
We have been assisting buyers in the San Mateo area where the housing market is getting crazy. Since we are getting closer to larger cities, you will find better paid jobs. The price range that we were looking at around $650,000. Home prices were up 40% in less than 3 years, mostly due to low interest rates and more ARM loan coming available.
First choice of buyers to get the property would be a cash sale, conventional loan 20% down and both are usually "As Is" and the cash sale has no loan contingency.
And the last horse to come is our FHA's buyers that have absolutely no chance to get this property. And it is good news!
FHA loans required only 3.5% down payment and is a federal insured loan, just like a student loan. They cannot be discharged through bankruptcy with the court.
At the height of our bubble market, we all have at least two mortgages into a property 80/20, 80/10/10...and most of them had no down payment and we were able to dispose the debts if we were insolvents.
I said that FHA buyers should stay away from 3.5% down payment with FHA mortgage and 0% down payment USDA type of loans.
If the property value go back in reverse, let 's say 3.5% or back to 40% for San Mateo area, not only your property will be upside down but you will have to repay the debt. And it is the reason that I brought you the story from this lady walking through my door at noon.
The lesson that I learned from our previous "Crisis" you should not forget the word "Never" and don't get your eyes bigger than your stomach, don't consume more than your produce, and what ever will never happen to you will happen.
When I am looking to invest or buy a condo: I first check the location within the city, the city itself, location in the complex, the condition of the unit, condition general aspect of the complex. I will rate this unit a A+. Once it comes to the price, it cannot be sold more than appraisal price.
I went to visit a dozen of homes in the Seaside area, from asking price of around $250,000 up to $550,000 and I will said that the type of buyers from the high of the market in 2005 compared to 2014 are more demanding. All these buyers are properly pre-approved and they will not buy if property is not close to perfect condition or are over price.
First impression is the best impression, so if you are a seller, take an extra week to clean up the inside property and another couple thousands of dollar on the outside/backyard. For every dollar that you put in it, you will at least double the return.
I noticed that agricultural commodities prices have been low, in a bear market for the last three years. Falling food prices have masked the increase in prices of other things-like health care, utilities (electricity and water).
But as you can tell by walking into any grocery store, food prices are going up –
Yesterday, I paid $8.99 for a pound of bacon. It wasn't the fancy, gourmet bacon, either. It was the pre-sliced, shrink-wrapped stuff you find in the packaged-food section of any supermarket. It was $4.99 a pound a few weeks ago.
Bacon isn't the only food going up. Beef, chicken, milk, and cereal prices are all headed higher in the U.S. and around the globe.
Expect higher food prices coming up the next 3 years until this cycle revert.
Thank you and I will see you next week!


Christian Viollaz
License 1318338
9 Buyer Traps and How to Avoid Them



03.04.14 NOD List.pdf (10.52 kb)

03.04.14 REO 3 Party.pdf (5.36 kb)


Real Estate

Choose Yourself with James Altucher, are you next?

by qinfovio 25. February 2014 16:47
Good afternoon,
The micro climate in our area within a thirty minutes driving is very diversify. As yesterday I had to do a quick run from downtown Seaside where the weather was nice close to 70's, passing through
Hwy 1/Carmel area nicely under fog at around 50's to my destination at the Palo Colorado Canyon. It is located south on Hwy 1, just past the Rocky Point restaurant, first road on your left.
You will find a nice narrow road in the middle of a giant redwood forest and by 4.30 PM you cannot tell if it was sunny or foggy, but it make you feel like that you are wearing a big hat. I was very thanks full to the Fire Station that help me located a property.
As we had a short talk, all roads in most Big Sur area are nameless and in most case, cell phone don't work.
My only comment that I can make for this specific area, I hope that they will never, never have any fire because there is only one way out, up or down. Roads are so narrow, between giant trees and you can easily loose your sense of orientation.
I have to come back with last week concerning the credit report...the last, last thing that you don't want in it and you better to check it if you are a renter is any collection due to eviction.
As with our property management division, I will work with any and most situations but a posted eviction in your credit report, is a No!, No!
I suggested to my friend to call the collection agency, pay them off and get it out of your credit report. It is good as much for residential than commercial.
That was a time you were able to walk away without paying rent for months, breaking lease, damaging the property and so on,  and now it is over.
Any monetary issue could end up in this report, so check it out once a year.
I have to do a run to the water management last week to get my permit so I can open my office. They have couple buildings at 5 Harris Court of Hwy 68. At the same time I checked for one our client that was asking on getting a permit from 1 1/2 bathroom to a 2 bathroom.
The total cost of the permit including of junk fees for the extra 1/2 bathroom for shower or tub is around $1,000.00. I asked them if they added any lunch fees  into their junk fees and I almost get her.
Adding a legal 1/2 bathroom to your house is going the best return on your money and I will expect the price to keep rising, get it done while you can.
You can see in our REO 3 Party list of today, property located 362 El Caminito Rd in Carmel Valley sold at the court house for $834,900.
Most of 3 party sales are flip's property. I know this property and I will be watching once he come back on the market for asking price and selling price. It is a nice piece of property but the access is not my preferred one. I say that it could be a good one to buy and live in but to flip, I am not quite sure!!!!
A good and crazy book to check is the one from James Altucher "Choose Yourself". I am using the slow time of the year and also the reopening of our office on putting seeds on our marketing. 
I have been into practice for quite a while on how to learn to think to myself, it is sometime a painful process to go through but extremely rewarding at the end.
In his book, I was mostly interested  with the use of the multi media, the networking, blogging and try to understand how the entire pieces work together.
It is taking me back to last week subject with creating traffic with your search engine and it is the other way of going instead of Zillow.com.
He showed you on you can publish your book for a very low price.
He is also an extremely good successful entrepreneur and you are welcome to be the next.
Thank you and I will see you next week!
Christian Viollaz
License 01318338
To Find Out What's Your Home Worth?
P.S I have a request with good reference, searching for a studio or a room for rent in the Carmel Valley area up to $750



02.25.14 NOD List.pdf (5.53 kb)

02.25.14 REO 3 Party.pdf (8.18 kb)


Real Estate Economics

The Lost Inteview with Steve Jobs, is Zillow taking the same Path?

by qinfovio 19. February 2014 09:30
Good afternoon,
In today's NOD list, I inserted all information that show in the detail report that I can email you.
It is all public information and it is recorded.
I strongly suggest to all of you to pull out your credit report once a year. It seems that more and more stuffs are
in getting in this report and it is also getting a requirement for most of job application. Be sure to remove what is cluttering your report and is incorrect.
The place where everyone go to get information on a property is Zillow.com and if not, by just entering a property address with zip code in yourGoogle search, Zillow.com will pop up. You will also see at least three Agents to pick on the right side.
It will cost an XXX amount of money for Agent to sign up with Zillow.com. They are also asking all agents to collect testimony from their past clients by sending an email from Zillow.
Zillow has invested $40 M in 2013 and is planning another $65 M in 2014 in advertising.
To get your top position in the search engine in the web, you have to create traffic by buying these positions,
and you need to create more traffic by forcing Agent's clients to get in to post testimony.
I want to bring and share with you and there is a cost to get it, you can also get it through Netflix
I am so fed up with the Microsoft's products for the past 20 years and this interviewing is telling you why. (good things that this interview was lost)
This interview kind of bring you the evolution of an industry and all industry in general. It takes you from all the way from the beginning, with the conception on how to learn to think. Steve was saying that when they have issues, they have to think on how to fix it.
He was ask, how did he learn to run a company? They started with the basic, the cost to build and develop a product.
But at that time, all they have been taught was estimate, because they did not have enough information and it is how it was done.
It is the way it was done because how it was done yesterday.
But with their new computerize system, they were able to narrow down to exact numbers.
Steve also said that every one should learn to program a computer so they will learn to think. It is the same that going to law school, learn how to think. But he also does not think that anyone should be a lawyer but law school teach you how to think.
He also speak a lot about the Product, People that build the Product and Sale/Marketing People that mostly end up running these company.
What make a company is the Product, but it comes to the point when it is secondary and they forget to make a good product.
You also have to be passionate at what you do. You have to bring the best players in your team. The average to best product is a 2 to 1 in most market, but in the software market, it has to be at least 50/1 if not 100/1 if you want to be the best.
He also said in the 1980s while he was visiting HP office that it was the time when company took pride of their employees and treating themvery well, 10.00 AM donuts basket and the whole stuff.
I will say that we lost the perception of the reality. What I mean by that that we lost the balance between the product team and the sale/marketing team.
And now, I am taking you back to Zillow. They have a good product but their marketing team is very aggressive and almost unpleasant to deal with.
I am dealing with my sale rep to get a spot in one these area, but here again, by buying the entire search engine in real estate, we and you are force to go with them. But I think that their sale/marketing team might end up with "Déjà Vu" story from this Steve Jobs interview.
I will bring you next week on how I am taking the time to think with James Altucher and his book "Choose Yourself". A real entrepreneur, a very interesting guy that I am following. He is probably the Steve Jobs on the Multi Media.
Thanks and I will see you next week!
Christian Viollaz
License 01318338

FREE Quick Over-The-Net Home Evaluation

P.S. I did not brought you any property from our broker tour yet since this Tuesday Talk is not intend to sell you anything but it is in our list.

02.18.14 NOD list with all Info.pdf (34.16 kb)

02.12.13 REO Third Party.pdf (11.38 kb)



New Casual Office, Flex Your Mortgage Option, Fire Your Lender!

by qinfovio 12. February 2014 12:43
Good afternoon,
We have finally opened our new office, still located in Seaside, just across the Goodwill Store.
At first, I put into my business card the renamed or added address from 704 Broadway Ave Suite C to 704 Obama...the post office has not recognized this name change yet and some mail person will not deliver to this new name.
I try to break the typical boring real estate office, with a bunch of intimidating desks, formal front desk or sometime the opposite with run down office to a more casual, friendly space.  
It has been a very good experience to lived as it took us close to eight months to go through the all process for changing to a new location.
It did not take me a long time to figure out the amount of time that it will take between a change of ownership in the building, the City new zoning plan for the West Broadway Redevelopment project. You just have to seat and wait and pay everybody little money et voila!
In this similar situation, you have to put your energy into other projects. I am mainly putting mine into researching value, and there is as much
technical part than psychology part.
The technical part is to learn all different types of market, stocks, bonds, commodities...
And the psychology part between who is right, who is wrong. It is usually more easy to do the convenient, like using debt to stimulate our economy,
but is it going to work?
To be able to understand the movement on how these plates are moving, you have to look at the global world. And most of the time,
you have to put your ego away. It is extremely fascinating because you can vision and built opportunities with the future.
As I said before that we can make as much money if not more when our economy is reversing. But you will need to have an open mind and be able
to adapt yourself.
I think that speaking about economy and anything around it is a lost of time and energy since we already all have our mind set.
The best way to use reflex ion is visual and I will plan to bring it to you at one time and I will let you know when it is ready.
I shared with you not long time ago experience between using lenders, like Chase, Wells Fargo, BOA, saying that their loan program
could be very restricted and if you don't fit into their program, you are out...but it is not because you cannot qualify for a loan to buy a home with them, that you cannot go use a mortgage broker to do it.
You have to be flexible and sometime work around opportunity. I believed that we might have a couple to three years left in real estate home value 
appreciation. I will expect interest rate to stay between 4.5% and  5.5% within this time period. In some case, you might want to use an adjustable rate to help you get into a house and lock yourself into a 30 years fix with home appreciation within this time period.
I also believe that interest rate will double within the next seven years.
I met with one of these three lenders insider yesterday and I was told that they were laying off their staff by lowering their wage.
The major issue that I have around these lenders are the inconsistency of their loan department. Their loan officers are not staying and myself
referring my buyers to them is just a waste of time.
I will plan to meet and bring you the best one (mortgage broker) that I can find to you. When I say the best one, I will try to bring not only a sale person that is just selling you a loan but someone that might have an more open mind in the near future for your best interest.
I am getting back into my routine with our broker tour, previewing and sharing with you all new listings coming in the market.
I think that there is more stress on buying on the higher end of the market, I am saying over a $1M dollar home. And the higher you
go, the more you have.
Thank you and I will see you next week!
Christian Viollaz
License 01318338
Don’t Pay Another Cent in Rent To Your Landlord ...


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