New Year 2018 in Monterey

by qinfovio 9. January 2018 08:38
We are starting a refreshing new year 2018 in Monterey. We finally gave up after 14 years in the City of Seaside. The West Broadway project that started in early June 2017 was a disaster for the business community on the side where the construction is happening. The City of Seaside did not offer any financial assistance to our business. We were asking the City to cover our hard cost, mostly rent, utilities, insurance and it was not in their agenda. And as now, they are finally paving this side of Broadway. It appeared that Broadway Ave will be loosing more or like 20 parking spaces on one side, time 2 is 40 parking spaces. They have also installed a traffic light. This type of project is like the frosting on the cake, it is the last thing that you do. Spending over $7.5 millions and expecting that business will follow. Bottom line, building a business community, retail only according to their zoning without parking is a dead end. All cities over Europe, France, Germany with similar project are dying; Cities try to offer free shuttle to their downtown and it does not seem to be working. The other major changing trend is the online shopping. For the first time, it has surpass 2017 black Friday and holidays shopping in the retailing malls. ++++++++++++++ After all this bad energy we finally made the move to 191 Lighthouse Ave suite A-2 and A-3 in Monterey. We are located just across the coast guard with some view of the bay. The business concept over here is completely different from Seaside. Newer buildings that have been built have commercial units at street level and instead of having one large commercial space, they have six. They have better income with similar commercial space and if one tenant leave, they still fiver other ones that still paying the rent. And above the commercial, they have residential. It appeared that Seaside is more like 30 years behind the new economics concept. I will say that it is due to a lack of leadership. The best way to put it in prospect is the former Fort Ord...just check what has been dome with the Marina side versus Seaside. +++++++++++++++ As for the real estate for 2018, I will say that it would be a good year to moved up if you already own a home. And as for first time home buyer, I will expect more new type of loan with more flexible payment (interest loan only) with lower payment and maybe longer loan term, like Argentina and Switzerland with 100 years years loan. Visit us at any time!


Economics | General | Real Estate | Real Estate Economics

Bad French Man Habit

by qinfovio 6. April 2017 12:22

As a French Man I was taught in my early age to stay away from eating fat meat, butter and all that greasy kind of food.

And the best way to feed you would be by eating starchy, feculent, grain (like wheat, rice, potato, cheese, all dairy product, bread, croissant…)

Every day as a French Man, I have to had my cheese, bread, some king of starch product in all my meal, so I will get full content stomach.

The result of this habit eating has turn myself as what we would consider "Obese", Adding 2 to 3 pound every couple years and over 40 lb for the past 15 years.

My first item on to my to do list in 2017 was to loose weight. I went to check all types of available programs and what was the main component to help your loose weight.

I had in my background 20 years of professional cooking, trained in one of the best French kitchen at this time. I was taught to properly balance our daily menu including portion size.

The only thing that I have never been taught was protein, carbohydrate, lipid and what is in the food itself.

I opted for NutriSystem

I decided to order two months and it goes for 4 weeks each. They have a first week kit to help your reduce your intake amount of food, and you can add as much veggie that you want and also drinking a large amount of water.

I also have been working out daily at a small gym at the condominium complex where I live. I started at 230 pound and eight weeks later at the end of my program, I was down to 200…198… pound. The big change that I made in my eating habit was to cut most dairy product from my diet, mostly cheese and also all wheat, gluten, bread, rice, pasta…and using whole wheat that contain necessary fiber to fill your up.

My plan was to take it down to 190 pound and I am now 5 pound away.

The best way if you plan to keep loosing weight is to reduce the amount of protein, for seafood to 4 ounces, and poultry/meat to 6 ounces and stay away from carbohydrate, wheat, gluten and don't forget your water, a lot of it.

NutriSystem have a nice set up for tracking your progress. You can log all your food, water, work out. I also tried and used a bunch of their recipes, a new way for myself to re-invent my cooking.

The bottom line, I thought that it would a tragic time by cutting all cheese, bread and my daily wine and I did not miss any at all.

I am now down 35 pound, double my work out without any pain on my knees with a lot of more energy.

I am a strong believer that crisis creates opportunity…and loosing weight was one that was on my mind for a very long time but by going over this crisis, it will improve considerably health.

Just at then end of my eight weeks, our small gym closed for couple weeks. We have a limited amount of weight machine and I was thinking to join a local gym. I went to check most local gyms in our area.

And here I get the opportunity to sign up with InShape, at a cost of $35.00 per month and I can use any InShape location for this price. I will be using both InShape in Salinas during the weekend and during my working days, the other 3 locations, Monterey, Pacific Grove and Carmel. 

Working out is essential to your good health as much than eating the right amount of food. Give it a try!

           Carry 40 pound less is more or like one of these sandbags


General | Health

Sully and a Miracle on the Hudson River

by qinfovio 9. March 2017 14:01

It was an interesting movie to watch with the controversy of the NTSB that launches its required investigation.

And that followed with the Media questioning if the famous Pilot was "a hero or just a fraud"? I was asking myself

which one is the worst? The main message that we get from Sully was that we are human being, and we have this ability to differ ourselves from computer, software and the entire technology world.

And that takes me back to the "Lost Interview" with Steve Jobs. One of Steve main point was that we will need to learn on "How to Think again". If Sully was to follow protocol and directions made for this type of situation,

he would be crashing his plane and not landing it so well as he did. You have to remain calm, check at your best option. It is what it takes with good thinking

and follow your instinct. It is what it takes to be a leader.

And what takes me to another situation with the wild fire in Arizona in 2013 that took the life of 19 of their crew members

++++++++++++++++ (from the article) As the other 19 firefighters inexplicably left the safety of a previously burned area and hiked through unburned brush toward a ranch – previously identified as a safe place – a sudden wind shift turned the fire in their direction. Pushed by strong winds created by a passing thunderstorm, the fire burned over the crew, killing them all, even though they sought protection inside their emergency fire shelters.

Was that their leader made a wrong choice, a wrong decision for leaving the safety of a previously burned area? They obviously follow the protocol and thinking they Will be safe with their blanket. What do we have to learn from both situation…when your life is in danger…think out of the box…instead of following the supposedly safety of the protocol… That you are better off to be an alive hero; and than no everyone could be a good leader.



Housing Optimism Is Back Up to 2006 Levels...

by qinfovio 13. January 2015 15:07

Good afternoon,

I want to bring and share with you even more good information concerning our real estate market. I attach an article from Steve Stuggerud questioning 

"Housing Optimism Is Back to 2006 Levels". I get another update from him this morning that he is putting his money into real estate.

I think that it was a year and half ago that Porter Stansberry shared with us saying oil price will be dropping in the mid $40.00. It did quietly the opposite

when he said it, went up all the way to $140.00 and I have to admit that now he was right.

We have all the good reasons to expect home price to goes up looking at the article on the right mentioning the reduction of the Mortgage Insurance Premium MPI. But I will prefer to change it and call it to Mortgage Rate Insurance that will be reduce from 1.35% a year to 0.5% soon and  I don't know if the ones already be in place will be benefit from this adjustment.

When I read premium, I think payment but in this case, it is a rate.


A good tip that I can share with you and mostly if you are planning to sell a house in Carmel. Since Carmel has no street number in his one square mile radius, the best way for us to locate your property is with cross street. And I think Carmel has 1 to 17.


As last week, I try to locate one property during the tour with address 0 Perry Newberry & Escolle Way. I could not find it, went back to the office and the cross St was 2Rd. 

That was another property in PG that was in the same case; be sure that your agent put a major cross St. If I cannot find it, I doubt your buyers will find you.

This one is the  best deal  due to location, condition, nice private backyard all paved.

601 Mar Vista Monterey $649,000


I like this street in Del Rey Oaks, one block over Portola street…no noise from hwy 68 traffic20 Quendale Ave Del Rey Oaks $449,000

They did a right move in this condominium complex, it is now all gated, camera but they will need not to release code gate to anyone to get in.

820 Casanona unit 54 Monterey $319,9000


I did not find that one, had no cross street.

816 Gate St Pacific Grove $1,199,000


This one is right with the price.

1119 Piemont Pacific Grove $595,000


This last one has fantastic views, one of our listing, cul de sac, no street traffic.

1249 Luzern Seaside $395,000 Views, Views, Views


Thank you and I will see you next week!

Christian Viollaz
Chez Christian Real Estate

01.13.15 NOD List.pdf (56.48 kb)

01.13.15 REO 3 Rd Party.pdf (46.92 kb)

01.12.15 DW Housing Update Stansberry R.pdf (90.32 kb)


Economics | General | Health | Real Estate | Real Estate Economics

Year in Review, Organize Your Cabinet

by qinfovio 13. January 2015 14:56

Good afternoon,

We are finally coming down to our last Tuesday Talk of this year. I think that we did some progress on organizing our knowledge for 

the up coming years.

The best way was to section each different areas that is affecting our real estate market by putting them in different draws starting 

with our today’s economy, what is looking very good and is good shape. 

Another draw for the U.S debt, with money printing and effect that it will have on our economy and so on, with the last few ones on 

the list would be when it is going to happen and how can we prepare ourselves.

And in case it does not happen, we will have nothing to loose and if it has to happen, we will be couple steps ahead of the crowd. 




As we are getting closer to the holidays, a new up coming year, it is getting tricky with the closing of all our sales mostly due for “Tax Reason” and some others for changing laws. 

We have been postponing for over three year the Tax Forgiveness related to short sale property. 

It is allowing homeowners not to pay any tax related with their property that has been sold as a lost on the lenders/investors side.

The key to get you to the finishing line is communication with all the players, including lenders, appraisers, agents, title company, termite works, funding and recording. 

I also mentioned last week that the last couple weeks of the year are the best time to bring an offer and of course, if you find the right property.

All four properties are in Monterey:

This one is a flipper, large living room/family room with smaller bedrooms.

206 Edinburg Ave Monterey $575,000


Next to Del Monte golf course, very clean.

1162 Josselyn Canyon Rd Monterey $589,900


Not an easy floor plan since you do not have two bedrooms near to each other, what it is a need with young child or children.

947 Johnson St Monterey $629,000


Very cute on a busy street, but it has the location.

970 W Franklin Monterey $629,000 


   Year in Review:


I think that we have all the key elements for an upcoming successful year in real estate for 2015 with low interest rate, low unemployment. 

You are not getting much money by letting your money in the bank. And I think that the best edge against future inflation is into real estate.

Our home inventory for the entire county is giving us only a couple months of supply. I will expect home price to rise slowly and if 

you are planning to sell, end of spring is the best time to do it.

My next biggest challenge would be to understand and adjust with the Death of Money. 

We have some structural damage into our monetary system mostly due by having one world currency, the dollar.  

I am not interested of figuring when it would be replaced but how it will affect us. We might have to expect devaluation to as $9,000 per 

ounce of gold as now, it is around $1,200. 

It means that a $200,000 home will look more like a $1,500,000 and a barrel of oil would be around $600.00 and now is down to around $65.00. 

The benefit of this devaluation should affect and reduce debts all around the world. 

As I mentioned at the beginning, we are very organize and I am putting this project into a different draw.


I want to end this last Tuesday Talk of the year with a cooking tip that I never shared before with anyone. 

I used to through away all the juices that are in the jar to preserve like green olive, garbanzo beans. I have been taught that it was bad juice.

I usually use juice from the green olive to deglaze while cooking lamb chops/racks. I usually sauté with oil, onions, portabella mushrooms, 

deglaze and put in the oven for around 7 minutes.

And I used garbanzo juice for pork where sometime I used honey instead of mushrooms.

And for any type of juice, mostly vegetable uses them to poach fish/seafood.  Don’t through away the juice, it is the best part. 

I had a second thought after remembering giving cherries brandy to my client when I had my restaurant, and the brandy was the best part.

Happy New Year and Holidays and we will get back on January 06, 2015.

Christian Viollaz

BRE 01318338

Christian Viollaz
Chez Christian Real Estate
704 Broadway Ave #C Seaside CA 93955
Tel: 831-393-0324
Fax: 831-275-2700 

12.16.14 NOD List.pdf (47.50 kb)

12.16.14 REO 3 rd Party.pdf (43.67 kb)


Economics | General | Health | Real Estate | Real Estate Economics

How Predictable is The Big One?

by qinfovio 15. December 2014 13:13

Good afternoon,

 I felt two earthquakes during the past 30 days, a reminder that our continents are moving and there is not much that human being can control once it comes to mother nature.

 As I am getting use to our new system, I will be bringing you more information through all these high tech tools and you will be 100% safe if you are using a Mac.

I have speaking a lot this year with the high cost of doing a business in our State of California, and that our State has been run by bureaucrats.

 United has 50 States with another one that has not been added yet but where all Tax Free Thinkers are moving to and It is Puerto Rico.

 All fifty states are run independently, competing with each other. Then it goes down to State, County and Cities, and what makes the difference is their leadership.

 I am bringing you an IBD Podcast and only the first portion is the subject of our today Tuesday Talk. The speaker is Chuck DeVore that lived all his life in California, he was on the California State Assemble and regulating and implementing taxes. Tax in California versus Texas In 2011 he moved to Texas and he is comparing both States. Let me know if you have any issues on viewing this interview.


 By the mean time, I was going through a similar topic with the The Death of Money

It is taking us to IMF International Money Fund that monitor; regulate more or less the world currency system. In April 2, 2009, the G20 met in London and the IMF pledged for a $750 billion and every country agreed to pinch in, including the United States with their $100 billion share.

 For every dollar that IMF lends, it has to get the funding from all these countries.

 But later one, Obama has to go through the congress but did not really tell the purpose of this money. It turned out that it was primarily to bail out the Eurozone members Ireland, Portugal, Greece, and Cyprus. It would be used to bail out Greek bureaucrats who retired at age fifty with lifetime pensions, while Americans were working past seventy to make ends meet.

 I can see a close relation between California with these similar countries.

 Unlike an earthquake, you cannot feel it but you can see how it is slowly moving and taking shape. And I think that is going to be more predictable than the big earthquake if we have to have a big one.


 The tour is taking us to the Carmel Valley area. I will say that between this week and next week are the best time to buy a house and bring an offer in.

 52 Paso Cresta Carmel Valley $679,000 This one is located at the bottom ride side of the town, near by the river, large lot.

 177 Calle De La Ventana Carmel Valley $849,500

Located at the end of the town, right side up (pass the burned formal Ridge Restaurant. It is very sad to see what it is left. It used to have one of the best restaurants in Carmel Valley, beautiful view, tucked away swimming pool).

Like many properties, lot of addition, converted bedrooms, restrooms without permits.

 199 Laurel CV $1,195,000

You need to check that one and the next one. Similar type of location, similar views.

Then you check the inside, all the details and of course, days on the market, and price.

 25530 Via Paloma CV $998,000Pricing a property to sell is not easy but it is very easy to overprice a property. Try to compare this one with 199 Laurel.

 All tiles flooring, easy to add new flooring 67 Del Mesa Carmel $785,000

 Best deal of the week, I like the location, beautiful bay view, it has a lot of potential

201 Via Gayuba Monterey $625,000 Buy Of The Week



While I was previewing a vacant home in Seaside, not the best location, I noticed that the large sliding going from the bedroom to the backyard was wide opened. Then, when I went upstairs, a new pair of snickers/tennis shoes was on the bedroom floor. Then I was thinking that maybe someone heard me and run out.I did not feel comfortable at that time, thinking that maybe someone was hiding somewhere. I just closed, locked the sliding door and main door and notify the agent.  When you feel in an uncomfortable situation, just trust yourself, get out.

 Thank you and I will see you next week!

 Christian Viollaz


Stop Renting Go Get Your Home     BRE #01318338

12.09.14 Up Coming auctions 131.pdf (96.15 kb)


Economics | General | Real Estate | Real Estate Economics

Fondue Time

by qinfovio 1. December 2014 11:23

Good afternoon,

We are finally getting some rain and enough cool weather to get our fondue set out of the shelves. We did not wait for Trader Joe to officially open the season.

 We have a very nice friendly set up at our office so that later on we can try other dishes as “Raclette” made also of cheese and the same equipment is also offering “Pierrade”, a flat stone laying down over the raclette equipment.

 The stone will be get hot and you can cook any vegetable, seafood or meat on it.

 I think that bringing good cooking food in your daily life is bringing you good quality life and it does not just have to be for special occasion.


 You have probably figure out by now that cooking is as important for myself than researching our markets. Researching and understanding markets have a lot to do with an open mind, required many times to be a contrarian.

 We already know a lot about our real estate market by having me sharing with you all these properties that I previewed weekly. We all know that the trend is up and up for at least couple more years. And that price fluctuates from one area and move to the next one. 


The only dark side that we had was the immigration since our last crisis and I was able to find out that most of our Hispanic community were and are using a working permit, that they don’t have the status of permanent resident, and they would have to use a foreign loan to buy a property in the United States….that required 20% down payment. 

 So, if we can give a brake to our Hispanic community and get them back in the real estate market in 2015 and up coming years, we would have an increase of home price, another 20 to 30%, not as much than pre-crisis but good enough to bail out a lot of home owners.

 The other market that I am really interested and where bringing sense make no sense is the stock market and all other markets around it.

 I am sharing with you today an article that I attach, about Russia and that is the world cheapest stock market and why you should not buy it.

 I am a big fan of Dr. Steve Sjuggerud with Stansberry Research Team.

They always try to understand and research markets, looking at history, indexes. And according to this article, and looking at main Russian-stock ETF (RSX) versus its shares outstanding. Buying cheap is not always the best way to go but here again, if local Russians are not buying their own market, base on this index,

You shouldn’t buy it.

 As I have been researching on the best knowledgeable mentors concerning all these markets, I finally found this team to follow and to learn from and mostly Steve.


   Our Thursday Broker Tour took us from Hwy 68, to San Benancio Road/Corral Del Tierra to Carmel Valley to south of Hwy One down to Big Sur.

    I skipped the 15 and plus in the Pasadera area. A lot of homes at the mid 2$M, 3$M, more or less. This market is very hot and could be one of the best to buy.

 I will have to go back and check at numbers but I will estimate that a 1$ millions homes and over have to represent 90% of our local housing market. 

As I was mentioning last week restriction done in 1961 requiring that no home at a cost less than $14,000 could be build. 

 But as now, they should maybe restrict that no new home at a construction cost of over $500,000 could be build.  All these homes have 6,7, 8 bathrooms no shortage of water. But we have a real shortage of housing supply for our entire community.

 At least the name will support the price in the future 77 Panetta Rd Carmel Valley $1,195,000. Very clean, nice lay out.

 As I have mentioned in the past, don’t hold open house when you have workers all around the property 660 Country Club Drive $799,000 They did a good job on fixing that one, but I was almost stuck on getting out of the driveway.

 447 Dela Vina Monterey $459,888 back to Monterey, very clean, nice 3 bedrooms, 2 bathrooms.

 I like this unknown area on Monterey, behind MPC and below Macys’ shopping Center, centralize location 580 El Dorado St Monterey $1,950,000

 Probably the best deal for the day 39 Via Cimarron Monterey $599,000

 306 Cypress Ave Pacific Grove $998,000 close to town.

 706 Hillcrest Ave Pacific Grove $1,249,000 was completely redone. We sold the one next to that one in a short sale few years ago in the $525,000. New owner might be very happy. 

 Happy Thanksgiving and I will see you next week!

 Christian Viollaz



Come Get Your Free Home Evaluation                          BRE #01318338   

11.25.14 NOD list.pdf (70.10 kb)

11.25.14 REO 3 Third Party.pdf (63.45 kb)

Do Not Buy Russian.pdf (191.88 kb)


Economics | General | Health | Real Estate | Real Estate Economics

Are You Saving Money switching Your PC to Apple

by qinfovio 19. November 2014 11:08

 Good Afternoon,

 I was able to cut so far 30% off my utility bill with the switch from my previous Window Server to Apple. I have to admit that once you are set up and ready to go, there is a large amount of time’s saving with Apple.

  The best item is to be able to go up or down from a page, sideways with the move of couple fingers.


 It is very helping in our daily life as gas price continues to drop. As so far, inflation has always being on the top priority of any governments.

 Why do we need inflation? It means that your debt is losing value.

 As I was going over some old CC&R that is attach to all new developments and that cover all the restriction that comes with them. (You will find this information during a sale of a property through the title company)

 The one that I was reading was done in 1961 for the south Salinas area, where you were not allowed to built a home at a cost of less than $14,000 (they should the reverse now). Similar homes now will cost no less than $200,000 for the same area, it is over 1500% inflation for a 53 years time period.

 Why is deflation bad? It is bad when you have debt, it will cost you more money to paid it off.  I think that at one time, we will have to go through deflation to set up the clock backward so it could work again.  As I was reading articles on both side of the subject, it seems that younger generation that never work and keep getting their education, will come in the job market and will take less paycheck compare to someone that was active for the past 20 to 30 years.

 I start to see this happen little bit here and there, just as my IT that is charging almost half from his competitors. I went through deflation on my own when home value in my market drop over 60%. It means that at one time my income has dropped over 60%.  I have and I was able to readjust to my new income, but what is sure, is that I cannot afford to spend what I used to spend.

 And I will expect that new companies, businesses that are offering services at a deflating price, would be the tomorrow leaders, just a thought.


                                         ++++++Welcome to our Weekly Tour++++++

 It is located in the Skyline Forest, it is price right, clean and ready to go 6 Greenwood Rise Monterey $668,000

 I really like that one. I think that it has potential, a fun house that could be finish nicely 651 Filmore St Monterey $649,000 REO


 I like the price for the location 0 Santa Fe & 6Th NE Corner Carmel $885,000

 It was nicely redone, wide street for this specific area, the only turn off is that you are overlooking your neighbor roof from the upstairs bathroom0 Guadalupe St Carmel $1,799,000 price reduce by $200,000

 2 NE 4TH Ave Carmel $1,195,000  Driving to the previous two ones and that one was a real trip, between construction trucks, very bumpy road, trees middle of the road, has almost give me the sea sick.

 25495 Shafter Wy Carmel $2,900,000 This one is a beauty, it has a lot of character, a very nice outside set up and it makes you feel that you paid for what you get.

 0 Forest 4 SW 7Th Carmel $1,995,000 in the same area.

 0 Junipero 5 SE of 8Th Carmel $1,350,000 closer to town, it has some nice natural light and has some character. It was recently rebuilt and is very zen.

 0 Carmelo & 12 Th NW Corner $2,495,000 reduce by $300,000 closer to the beach, nice price drop and if you like small bedrooms and the view of the surf, it is the one for you.

 1164 Phoenix $325,000 completely redone, good investement or primary residence

 This one in Seaside, perfect for income property or first time buyer.


Thank you and I will see you next weeks!


Christian Viollaz

BRE #01318338



Come Get Your Free Home Evaluation                          

11.18.14 NOD List.pdf (72.13 kb)

11.18.14 REO Third Party.pdf (95.66 kb)


Economics | General | Real Estate | Real Estate Economics

Bamboo Curtain

by qinfovio 27. August 2014 15:49

Good afternoon,


Gorgeous days are passing by and I hope that you are taking the time to enjoy them.

My favor's sand beach to enjoy a nice sunny day is still Zmudowski State Beach.


Once you get there, take a walk north going to the Dune complex and by low tide,

you can use a mountain bike and ride all the way to Rio Del Mar. Road to the beach

is in very bad shape, so I highly recommend a SUV.





I approach any transactions as an upcoming chain of events that you need to let develop

and fix as issues come up.


Usually the biggest one come with your Pre-Approval that you received from your loan officer. At this stage,

a pre-approval is a very basic information where your loan officer will check your income, will pull a credit

report that will merge to your application and it will give you a ruff idea on your purchasing power.


Once you have an approved offer, then your loan officer will go and collect all required additional information

by the lender. As a self employed, tax return of the last 2 years will be required and in some case, I have seen

buyers being rejected due to income tax return that were improperly file.


As now, in many cases, lenders are very vigilantes about the status of a non permanent US resident. The only way

to get any loan in that situation is to get a Foreign Loan that required usually a larger down payment.


As I am working in the Prunedale area looking for home for my buyers, over there, the main issue is that many properties are manufacturing home. For most buyers, it looks the same that any homes, but many lenders

will reject this type of property.


The reason that `I have to bring you these issues concerning a pre-approval is that your loan officer cannot do anything until your loanis in process. But the key to succeed in any of these situations is to work with a 

Mortgage Broker. A well experience mortgage broker is like a magician pulling out all the rabbits from his hat.

Each lenders are specialized in a line of loans with specific requirement.


If you go to any majors banks and have them to do your loan and if any of issues pop up, you are out of the race.

And remember that I always like to be with any of my buyers at the finishing line.




As last week, our new Fed Reserve Janet Yellen mentioned that they might raise the interest rate as our economy is improving.


I noticed that they usually do the opposite of what they said. I will expect the rate to keep going down.


1309 David Ave PG $635,000 open that one and compare with the next one.

1108 Presidio Blvd Pacific Grove $969,000 brand new home, and I think that they build between 4 to 6 homes,

go and check the design, materials. These homes are very well built.


705 Airport Rd Monterey $449,000 Smaller home, cute curd appeal.

549 English Ave Monterey $530,000 on the right side of English Ave, closer to Casanova st.

805 Grace Monterey $696,000 very private.


1179 Shafer Seaside $349,000 better to own than rent at this price.

1478 Kimball Duplex Seaside $499,000 This duplex has potential, 3/1.5 and 2/1. On top of Kimball,

next to General Moore, large lot.



24694 Pescadero Carmel $1,095,000 is the extreme right side of Carmel, it has some bay view.

0 Monte Verde 2 NE of 4Th Carmel $2,100,000 A lot of homes at similar price

0 Lincoln St Carmel $2,099,000 Same area, lot of forest, so expect some moldy smell in some of these homes.

0 Casanova 2 SE of 4Th $1,995,000 need a SUV for all these past 4 homes.

0 Mission 3 SW of 7th St Carmel $4,995,000 This one has 100% top quality of everything. Go check it out if you are near by.

It is right in the downtown area and it will blow you away. You will never loose if you buy quality!

26225 Valley View Carmel $3,695,000 They did a very good job on that one, but it is the same tone of color all around.

26201 Mesa Place Carmel $998,000 It is probably one of the best for your money, speaking quality of construction

and if you don't plan to be outside. (Back of the house is well protected from the noise and Hwy 1 just below).




I would like to add few words about the last week movie that I shared with you "The Inside Job".


A lot of blames were put at the cause of the previous financial crisis to Home Financing with all that came with it.

And concerning fixing all these issues, our regulators have been doing a fantastic job.


Since we cannot mess up with these types of financing anymore, Wall Street with their Helpers showed in

"The Inside Job"have find new ways to make even more money into the next big up coming crisis from student's

loan and car's loans.


Student's loans are insured by our government and there is no collateral. I attach and I am hoping that you can open it,

about this pastor with his daughter that passed away and has now $200,000 loan that is due. She went to nursing school.


My question is how can you live and take this amount of debt? And I think that a lot of money have been

handle to everyonethat want it, and I think you will get the worst disease by the stress is creating

on yourself.


And here again, we can talk about fiduciary duty, but sometime you need to learn that taking any type of loan

on any type of products come at a price. And it seems that the more you tell to the consumers, the more they will

go shop around with someone else.


Just remember, a debt is not like dating or being married, it like a big chain attach to your ankle that will pull your down.


I have also learn with my very early stage from the biggest traders in the stock market, to cut your lost and let your winnersrun, set up your exit before you get in.


As in real estate, I have seen a lot of situations where investors have like 5 properties, 3 are doing very well,1 is at the edge of going under and the last one is completely under. In this scenario, sell 3 properties if you need to cut

your loss and let the two others winners run.


We have over 1 Trillions dollars in student loan, it is one million per day for 2500 years...since the time the City of Rome

was created.


And cars loans, I don't have the numbers yet, but if you can check at the bottom of the chart under car loans very impressive.


Good upcoming business with the cars will be when the crisis implode, would be to sell them back to the Bamboo Curtain as they are calling it now! (You can also check at the bottom, further right without insurance).


Thanks and I will see you next week!


Christian Viollaz

License 01318338

Distress Sales/Bank Foreclosures Hotlist

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Economics | General | Real Estate | Real Estate Economics

The Inside Job

by qinfovio 20. August 2014 14:11

Good afternoon,


I keep adding few peoples here and there in to my Tuesday Talk because sometime

I feel that I am obligated to bring some type of fiduciary duty into our entire industry.


I started to post this Tuesday Talk into our blog since it is sometime a continuation of a

previous week Tuesday Talk story.




As today the economy is on the right track but I am always looking three to five years ahead of myself

and also something like 10 years ahead.


The latest news couple days ago were that the German, lowering their interest rate below 1%.


As today, I am getting back with the movie "Inside Job": It is very well done documentary. We were able to move on

with this crisis by using fake money. The best parts of this movie are the deleted scenes.


On one of them, they interviewed the Prime Minister of the Republic of Singapore Leehsien Loong, asking

about his compensation with his position and he mentioned around $2 millions US dollars and with all

other compensations with all members of the financial industry appointed by their government...and it comes

around $1,5 million each. He mentioned that they are getting well paid, and they have to perform to their best without

any bonuses, and if they don't perform, they will get removed. He was saying like an engineer that build bridges or

finances should get the same amount of compensation.


As getting back looking at all CEO with anywhere from 40, 50, 500 millions dollars of bonuses, and all the financial

industry compensation where they get paid hundreds times or more of their worth.


Eliot Spitzer mentioned that Jack Grubman go it right when saying, "What Used to be a Conflict of Interest is now

view as Synergy".


And Raghuman Rajan was saying about Island and where the financial crisis started, and where it was

the land of the Range Rovers. Local peoples over there change Range Rovers to Hang Over


"The Inside Job" Featuring in-depth interviews with financial experts and insiders, this sobering,

Oscar-winning documentary presents in comprehensive detail the pervasive and deep-rooted

Wall Street corruption that led to the global economic meltdown of 2008.'


It is the second time that I am renting this DVD, I watched it 3 times and I will probably do it again a couple

more times within the next two years. I will consider this movie as a "Derivative" meaning as a weapons

of mass destruction. I always consider our real estate as a game that I should learn how to play it.

It started as with a four thousand pieces puzzle and I put it together years ago.


My next project is to understand the remaining game of understanding the mechanism of value. This one is more like a

40,000 pieces puzzle and I am at 12,000 with a 28,000 remaining to put together.  


When you gamble with someone else money rewarding you millions of dollars, it is fine by me but when the company loose money, you need to get that money back. It is how it worksat the Casino, they paid you

 when you win and they will take back when you loose.


It came to the point that the Federal Reserve is lending money for this bail out at the tax’s payer cost.

And now, I am taking you back the and if you look under largest budget items

with Net Interest on Debt, it comes in fifth position. As the interest rate in the US is around 2.5%, just imagine

if it has to double, it would just be behind the defense.


I will finish saying that Warren Buffet policy has a fiduciary duty to all his clients, he work very hard at it and it payoff

to all of us.


And I think that at one time, we should expect a pay back from all these fraudulent acts that is giving

to you in the movie.



I am taking you back in the tour starting in Pacific Grove with:                          

235 Cedar Pacific Grove $825,000 nice, clean show well, 2 bedrooms, 2 bathrooms, walk to town.

801 Todd Lane PG $725,000 in a cul de sac.

325 17 Mile Dr PG $649,000 This one is back on the market and I think that it should be moving.

1029 Morse Dr PG $709,500 this property is located in the Candy Lane area, it has a lot of potential, it is the worst

house in the neighborhood.


Couple in Seaside...

1172 Barbara Court Seaside $429,000 

1096 Trinity Seaside Duplex $549,000 is the perfect duplex to visit, it will tell you all the today requirement with

the City of Seaside. It is very clean.


26179 Rinconado Dr Carmel Valley $1,699,000 I saw this property already, price was reduced by $100,000. But pricing it rightat the beginning is the key.

 24953 Outlook Carmel $1,550,000 This one was also on the market few months ago.

8215 El Camino Estrada/Arboles Carmel Valley $1,590,000 Beautiful home, very nice floor plan, nice quality

construction but all at the wrong location. I am probably sure that some you know Arboles road, near the fire department.


It is a narrow road that bring you to a bunch of narrow roads and they have few multi million dollar home in the middle

of low end home. When buying/investing in a multi million home, you can go to the Quail Lodge area, where

property are all alike. But if you plan to buy in this area, you need to get the worst one.


Thanks and I will see you next week!




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Christian Viollaz

BRE 01318338



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