HEINDRICK SO » Heindrick http://www.heindrickso.com Electrical Engineer - Medical Devices Mon, 07 Jun 2010 06:46:21 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 pending http://www.heindrickso.com/pending-3/ http://www.heindrickso.com/pending-3/#comments Mon, 07 Jun 2010 06:42:40 +0000 Heindrick http://www.heindrickso.com/pending-3/ post pending

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]]> http://www.heindrickso.com/updateinprogress/feed/ 0 Bay Area Home Sales Activity August 2008 http://www.heindrickso.com/bay-area-home-sales-activity-august-2008/ http://www.heindrickso.com/bay-area-home-sales-activity-august-2008/#comments Wed, 24 Sep 2008 15:03:34 +0000 Heindrick http://www.heindrickso.com/?p=542 Bay Area Home Sale Activity August 2008
Reporting resale single family residences and condos as well as new homes
* % Change is from the same month last year
Price per Square Foot data is for single family resales only
Due to size, PDF printout is available here: Bay Area Home Sales Activity August 2008
Community Zip Sales % Chg Median Price % Chg High Price $/SqFt % Chg
Alameda County
Alameda 94501 35 -37.5% $600,000 -15.2% $1,285,000 $446 -4.8%
Alameda 94502 11 -52.2% $545,000 -6.0% $865,000 $365 -14.6%
Albany 94706 13 -18.8% $575,000 -6.1% $860,000 $522 -13.1%
Berkeley 94702 8 -20.0% $617,000 4.2% $810,000 $565 25.8%
Berkeley 94703 13 -18.8% $517,000 -17.3% $758,000 $381 -27.1%
Berkeley 94704 3 200.0% $449,000 n/a $760,000 $317 n/a
Berkeley 94705 6 -45.5% $1,037,500 10.1% $1,889,000 $473 -23.8%
Berkeley 94707 7 -36.4% $872,000 1.1% $1,175,000 $528 -6.1%
Berkeley 94708 20 53.8% $805,500 -4.1% $1,400,000 $484 -12.8%
Berkeley 94709 5 -50.0% $550,000 17.0% $764,500 $639 n/a
Berkeley 94710 2 -50.0% $409,000 -27.0% $478,000 $333 -38.2%
Castro Valley 94546 50 47.1% $440,000 -19.6% $852,000 $327 -19.6%
Castro Valley 94552 9 -43.8% $650,000 -13.0% $775,000 $291 -20.8%
Dublin 94568 84 47.4% $512,000 -17.4% $1,100,000 $310 -26.3%
Emeryville 94608 38 15.2% $346,250 -19.3% $740,000 $191 -48.1%
Fremont 94536 62 -23.5% $425,000 -34.1% $810,000 $354 -15.8%
Fremont 94538 44 -8.3% $480,000 -20.0% $855,000 $359 -17.3%
Fremont 94539 36 -33.3% $867,500 -8.0% $2,300,000 $448 -12.7%
Fremont 94555 32 -20.0% $577,500 -10.9% $886,000 $387 -15.6%
Hayward 94541 63 173.9% $305,500 -34.3% $650,000 $244 -24.8%
Hayward 94542 21 50.0% $498,000 -18.4% $1,025,000 $263 -35.6%
Hayward 94544 75 78.6% $285,000 -31.0% $670,000 $253 -38.7%
Hayward 94545 39 69.6% $314,500 -41.2% $680,000 $271 -36.2%
Livermore 94550 52 -13.3% $492,500 -25.4% $1,175,000 $300 -16.0%
Livermore 94551 61 48.8% $432,750 -21.3% $735,000 $301 -17.9%
Newark 94560 36 12.5% $439,750 -23.5% $848,000 $305 -25.3%
Oakland 94601 19 0.0% $229,000 -45.2% $725,000 $181 -43.9%
Oakland 94602 28 -20.0% $517,250 -22.8% $1,375,000 $377 -12.1%
Oakland 94603 31 19.2% $156,000 -55.4% $372,000 $158 -50.1%
Oakland 94605 51 10.9% $256,227 -47.4% $950,000 $157 -59.2%
Oakland 94606 5 66.7% $280,000 -26.4% $515,000 $218 -49.1%
Oakland 94607 10 -41.2% $312,000 -34.3% $437,000 $196 -23.5%
Oakland 94609 11 -15.4% $370,000 -34.5% $540,000 $251 -42.1%
Oakland 94610 14 -51.7% $686,750 -18.6% $1,225,000 $445 -0.4%
Oakland 94612 1 -83.3% $280,000 -39.8% $280,000 n/a n/a
Oakland 94618 13 -55.2% $1,055,750 19.3% $1,875,000 $544 -1.7%
Oakland 94619 29 7.4% $504,000 -8.4% $870,000 $283 -32.2%
Oakland 94621 36 100.0% $134,000 -53.8% $290,000 $122 -63.1%
Piedmont 94611 41 -8.9% $800,000 -1.2% $1,775,000 $483 0.4%
Pleasanton 94566 38 -35.6% $810,000 -8.5% $2,150,000 $396 -9.3%
Pleasanton 94588 35 12.9% $650,000 -12.8% $2,250,000 $388 -9.0%
San Leandro 94577 54 54.3% $361,000 -28.5% $820,000 $291 -22.7%
San Leandro 94578 38 81.0% $290,000 -22.3% $519,000 $262 -35.5%
San Leandro 94579 16 45.5% $394,000 -16.2% $750,000 $270 -36.9%
San Lorenzo 94580 27 42.1% $338,000 -31.9% $400,000 $252 -42.1%
Union City 94587 82 17.1% $430,000 -33.8% $980,000 $288 -25.4%
Contra Costa County
Alamo 94507 12 -45.5% $1,298,500 -18.2% $2,289,500 $476 -7.5%
Antioch 94509 125 115.5% $171,500 -47.2% $545,000 $131 -48.6%
Antioch 94531 132 277.1% $280,000 -39.7% $540,000 $132 -38.5%
Brentwood 94513 136 97.1% $365,000 -29.1% $805,000 $150 -36.5%
Byron 94514 1 -96.6% $140,000 -73.8% $140,000 $118 -50.8%
Clayton 94517 14 -17.6% $600,000 -5.5% $950,000 $296 -18.1%
Concord 94518 31 55.0% $395,000 -27.5% $749,000 $260 -24.6%
Concord 94519 23 35.3% $312,500 -32.1% $481,000 $227 -38.3%
Concord 94520 61 205.0% $226,000 -32.5% $1,542,000 $203 -40.6%
Concord 94521 47 9.3% $374,000 -32.3% $835,000 $255 -25.5%
Danville 94506 32 -57.3% $990,000 -2.2% $1,880,000 $364 -11.5%
Danville 94526 40 -13.0% $815,000 -8.5% $1,900,000 $416 -11.3%
Diablo 94528 1 n/a n/a n/a n/a n/a n/a
El Cerrito 94530 28 21.7% $512,000 -20.6% $845,000 $419 -12.5%
El Sobrante 94803 26 100.0% $332,500 -34.2% $799,000 $232 -32.9%
Hercules 94547 41 70.8% $360,000 -38.1% $670,000 $228 -23.9%
Lafayette 94549 23 -45.2% $1,205,000 -0.6% $3,200,000 $473 -7.0%
Martinez 94553 53 0.0% $377,000 -25.3% $1,850,000 $274 -22.4%
Moraga 94556 15 -31.8% $775,000 -23.1% $1,400,000 $496 -14.5%
Oakley 94561 104 82.5% $265,000 -44.7% $559,000 $136 -47.2%
Orinda 94563 17 -5.6% $1,190,000 25.3% $1,830,000 $530 -4.9%
Pinole 94564 24 84.6% $294,500 -41.7% $775,000 $230 -39.9%
Pittsburg 94565 170 233.3% $225,000 -44.6% $540,000 $142 -49.5%
Pleasant Hill 94523 34 -15.0% $427,500 -27.0% $825,000 $323 -18.0%
Richmond 94801 44 131.6% $171,000 -61.1% $1,369,000 $102 -74.1%
Richmond 94804 51 15.9% $167,250 -61.9% $783,000 $148 -63.0%
Richmond 94805 27 68.8% $260,000 -39.2% $475,000 $207 -41.6%
Rodeo 94572 12 300.0% $313,500 -17.6% $460,000 $214 -16.1%
San Pablo 94806 92 187.5% $203,000 -53.5% $650,000 $185 -45.1%
San Ramon 94582 79 -22.5% $806,000 -7.8% $1,575,000 $350 -11.2%
San Ramon 94583 55 12.2% $560,000 -25.2% $1,600,000 $356 -7.8%
Walnut Creek 94595 20 -35.5% $465,000 -11.4% $1,260,000 $492 0.7%
Walnut Creek 94596 23 -8.0% $730,000 14.5% $1,675,000 $415 -15.7%
Walnut Creek 94597 28 0.0% $550,000 -15.1% $1,050,000 $393 -16.3%
Walnut Creek 94598 27 17.4% $760,000 -8.4% $1,163,000 $376 -10.8%
Marin County
Belvedere Tiburon 94920 16 -27.3% $1,100,000 -25.8% $5,975,000 $576 -27.0%
Corte Madera 94925 12 20.0% $715,000 -29.8% $2,100,000 $628 5.2%
Fairfax 94930 9 12.5% $742,500 -5.9% $2,150,000 $594 6.0%
Greenbrae 94904 12 -40.0% $1,107,500 -5.7% $2,300,000 $620 -14.4%
Inverness 94937 1 -50.0% $865,000 7.9% $865,000 $398 -43.2%
Larkspur 94939 8 166.7% $1,297,500 44.3% $1,745,500 $807 33.6%
Mill Valley 94941 28 -26.3% $1,001,500 -1.1% $3,350,000 $663 -8.1%
Novato 94945 25 25.0% $492,000 -38.5% $1,195,000 $319 -21.6%
Novato 94947 33 65.0% $350,000 -51.3% $1,100,000 $315 -30.1%
Novato 94949 18 63.6% $620,000 -26.0% $1,230,000 $369 -19.0%
Ross 94957 4 100.0% $2,853,000 86.0% $2,900,000 $1,038 45.2%
San Anselmo 94960 9 -59.1% $1,269,000 37.9% $1,945,000 $670 21.6%
San Rafael 94901 27 12.5% $569,500 -29.8% $1,700,000 $520 9.8%
San Rafael 94903 28 -6.7% $530,000 -24.2% $1,250,000 $399 -15.4%
Sausalito 94965 5 -70.6% $1,145,000 -5.4% $6,250,000 $708 2.7%
Stinson Beach 94970 4 -33.3% $1,650,000 44.7% $2,225,000 $709 -29.0%
Napa County
American Canyon 94503 32 128.6% $403,000 -32.8% $696,500 $200 -34.7%
Calistoga 94515 4 100.0% $479,500 -23.0% $870,000 $315 -42.5%
Napa 94558 44 2.3% $485,000 -21.1% $975,000 $297 -22.8%
Napa 94559 27 8.0% $435,000 -4.4% $1,237,500 $321 -22.5%
Saint Helena 94574 8 33.3% $1,246,250 62.3% $2,150,000 $846 38.7%
Yountville 94599 5 25.0% $405,000 -62.8% $950,000 $453 -21.0%
San Francisco County
San Francisco 94102 15 66.7% $649,000 11.9% $1,003,000 n/a n/a
San Francisco 94103 20 11.1% $675,000 7.1% $2,200,000 $766 n/a
San Francisco 94105 49 206.3% $572,000 -8.3% $1,649,000 n/a n/a
San Francisco 94107 36 -64.7% $724,000 -5.9% $1,325,000 $568 -38.9%
San Francisco 94108 6 0.0% $681,500 -23.0% $1,373,000 n/a n/a
San Francisco 94109 24 -7.7% $632,500 -8.7% $4,600,000 $1,804 65.9%
San Francisco 94110 28 -22.2% $749,000 -4.1% $2,250,000 $665 -16.4%
San Francisco 94111 1 -95.2% $665,000 -20.7% $665,000 n/a n/a
San Francisco 94112 34 -22.7% $592,000 -8.1% $980,000 $496 -13.0%
San Francisco 94114 21 -27.6% $1,150,000 8.2% $4,300,000 $937 -6.0%
San Francisco 94115 15 7.1% $910,000 11.3% $1,775,000 $985 39.6%
San Francisco 94116 27 -25.0% $752,000 -16.0% $1,860,000 $547 -16.0%
San Francisco 94117 15 -16.7% $970,000 -1.8% $2,200,000 $714 -19.8%
San Francisco 94118 14 -33.3% $850,000 -26.1% $7,875,000 $938 32.9%
San Francisco 94121 11 -35.3% $860,000 -10.4% $1,998,000 $556 -13.9%
San Francisco 94122 26 -7.1% $845,500 1.0% $1,332,000 $586 4.6%
San Francisco 94123 16 33.3% $1,530,000 0.3% $4,000,000 $1,148 -13.9%
San Francisco 94124 15 -44.4% $450,000 0.0% $610,000 $275 -39.7%
San Francisco 94127 18 -18.2% $930,000 -2.1% $1,450,000 $620 -21.4%
San Francisco 94131 28 -17.6% $839,000 -11.8% $2,000,000 $765 -7.4%
San Francisco 94132 14 -39.1% $685,000 -6.2% $1,193,400 $485 -18.9%
San Francisco 94133 8 14.3% $892,000 -9.6% $3,775,000 $1,023 n/a
San Francisco 94134 16 -60.0% $567,500 -0.8% $4,164,000 $498 6.0%
San Mateo County
Atherton 94027 3 -25.0% n/a n/a n/a n/a n/a
Belmont 94002 21 -30.0% $914,000 -1.7% $1,499,000 $526 -13.9%
Brisbane 94005 2 -50.0% $664,500 -13.4% $860,000 $535 33.1%
Burlingame 94010 35 -16.7% $1,210,000 -19.6% $5,900,000 $775 -0.7%
Daly City 94014 40 90.5% $512,500 -22.3% $900,000 $393 -20.2%
Daly City 94015 36 -21.7% $545,000 -20.4% $700,000 $430 -24.1%
Half Moon Bay 94018 3 0.0% $650,000 -36.0% $700,000 $263 -34.5%
Half Moon Bay 94019 15 25.0% $615,000 -9.6% $1,480,000 $467 3.6%
Menlo Park 94025 31 -43.6% $890,000 19.0% $1,950,000 $616 -11.1%
Menlo Park 94028 2 -60.0% n/a n/a n/a n/a n/a
Millbrae 94030 24 -7.7% $840,000 -13.8% $1,758,000 $519 -16.3%
Montara 94037 1 -80.0% $2,600,000 164.0% $2,600,000 $1,017 162.0%
Moss Beach 94038 2 100.0% $577,500 -23.5% $650,000 $370 16.2%
Pacifica 94044 32 6.7% $550,000 -23.2% $1,105,000 $396 -30.3%
Palo Alto 94303 38 -9.5% $338,500 -53.3% $1,750,000 $278 -57.9%
Redwood City 94061 30 -28.6% $750,000 -0.8% $1,500,000 $561 -16.1%
Redwood City 94063 15 7.1% $425,000 -32.1% $683,000 $479 -11.3%
Redwood City 94065 17 -29.2% $745,000 2.2% $1,400,000 $545 -6.5%
San Bruno 94066 44 100.0% $569,000 -18.4% $975,000 $456 -12.4%
San Carlos 94070 46 12.2% $900,000 -15.1% $1,695,000 $629 -3.4%
San Mateo 94401 32 10.3% $544,500 -19.2% $944,000 $497 -20.0%
San Mateo 94402 22 -40.5% $900,000 -27.4% $1,962,500 $637 -5.6%
San Mateo 94403 34 -24.4% $765,000 -2.5% $1,325,000 $575 -8.0%
San Mateo 94404 28 -40.4% $767,500 4.5% $1,472,000 $474 -6.3%
South San Francisco 94080 50 35.1% $510,000 -25.8% $1,045,000 $442 -15.5%
Woodside 94062 19 -38.7% $1,125,000 -9.2% $2,380,000 $605 -5.0%
Santa Clara County
Campbell 95008 37 -41.3% $635,000 -9.4% $2,250,000 $450 -14.3%
Cupertino 95014 50 -18.0% $1,153,000 5.5% $2,180,000 $661 -3.3%
Gilroy 95020 58 9.4% $397,500 -37.4% $1,075,000 $242 -31.4%
Los Altos 94022 20 -9.1% $2,042,500 9.8% $3,350,000 $716 -12.3%
Los Altos 94024 18 -28.0% $1,810,000 2.5% $3,200,000 $822 9.3%
Los Gatos 95030 11 -50.0% $2,171,000 25.8% $5,400,000 $803 -8.2%
Los Gatos 95032 27 -3.6% $1,010,000 -19.5% $2,891,000 $648 -0.2%
Los Gatos 95033 5 -16.7% $409,750 -52.8% $1,578,500 $278 -49.1%
Milpitas 95035 68 21.4% $565,000 -9.7% $1,060,000 $362 -9.7%
Morgan Hill 95037 51 8.5% $622,500 -20.7% $1,480,000 $298 -25.2%
Mountain View 94040 20 -33.3% $1,051,000 -0.4% $2,125,000 $697 -8.4%
Mountain View 94041 18 100.0% $969,000 32.7% $1,175,000 $703 -20.3%
Mountain View 94043 33 -43.1% $691,000 -1.3% $960,000 $479 -25.7%
Palo Alto 94301 6 -68.4% $1,197,500 -4.2% $2,247,000 $401 -64.8%
Palo Alto 94306 21 -4.5% $822,500 -26.6% $2,325,000 $827 -2.7%
San Jose 95110 15 114.3% $317,500 -18.0% $478,000 $355 -23.8%
San Jose 95111 58 81.3% $345,000 -40.5% $575,000 $302 -30.4%
San Jose 95112 33 3.1% $430,000 -19.8% $1,275,000 $337 -31.6%
San Jose 95116 40 14.3% $345,000 -46.9% $597,500 $306 -16.6%
San Jose 95117 6 -62.5% $527,500 -28.4% $675,000 $387 -27.2%
San Jose 95118 35 -7.9% $550,500 -20.3% $912,500 $418 -13.2%
San Jose 95119 13 62.5% $607,500 -2.3% $775,000 $363 -17.2%
San Jose 95120 36 -16.3% $990,000 -1.5% $2,300,000 $469 2.4%
San Jose 95121 41 70.8% $430,000 -25.2% $1,070,000 $310 -26.4%
San Jose 95122 45 95.7% $345,000 -40.5% $840,000 $281 -41.5%
San Jose 95123 63 0.0% $510,000 -16.7% $940,000 $359 -17.7%
San Jose 95124 59 18.0% $699,550 -5.7% $2,625,000 $460 -9.5%
San Jose 95125 49 -18.3% $675,000 -15.5% $1,757,000 $486 -4.4%
San Jose 95126 27 -25.0% $498,500 -8.9% $817,000 $328 -28.3%
San Jose 95127 55 31.0% $379,500 -40.9% $906,000 $302 -30.9%
San Jose 95128 18 -5.3% $523,000 -20.9% $840,000 $387 -23.2%
San Jose 95129 42 -6.7% $825,000 -1.8% $2,775,000 $597 -6.7%
San Jose 95130 6 -70.0% $770,000 -4.9% $825,000 $497 -10.8%
San Jose 95131 30 -45.5% $402,500 -36.1% $1,833,000 $400 1.0%
San Jose 95132 28 -44.0% $560,000 -16.9% $750,000 $361 -18.7%
San Jose 95133 20 25.0% $416,000 -25.7% $750,000 $330 -25.4%
San Jose 95134 6 -60.0% $554,000 -8.0% $593,000 n/a n/a
San Jose 95135 31 6.9% $705,000 1.0% $1,160,000 $352 -25.8%
San Jose 95136 30 -44.4% $497,500 -23.3% $800,000 $313 -22.4%
San Jose 95138 17 -51.4% $530,000 -43.7% $2,310,000 $372 -16.4%
San Jose 95139 9 28.6% $550,000 -24.7% $685,000 $328 -20.6%
San Jose 95148 59 59.5% $510,000 -25.6% $1,240,000 $314 -33.5%
San Martin 95046 2 0.0% $2,200,000 300.0% $2,200,000 n/a n/a
Santa Clara 95050 20 -39.4% $592,000 0.9% $1,397,500 $467 9.6%
Santa Clara 95051 49 -19.7% $555,000 -10.9% $1,057,000 $486 -5.0%
Santa Clara 95054 18 -33.3% $672,500 -10.9% $1,330,000 $421 -17.3%
Saratoga 95070 33 -31.3% $1,153,750 -28.8% $2,280,000 $620 -11.0%
Sunnyvale 94085 17 21.4% $503,000 -8.4% $650,000 $428 -18.6%
Sunnyvale 94086 22 -45.0% $610,000 -22.4% $1,280,000 $572 4.2%
Sunnyvale 94087 35 -45.3% $1,012,500 9.8% $1,850,000 $610 2.6%
Sunnyvale 94089 28 250.0% $650,000 -8.1% $840,000 $372 -32.0%
Solano County
Benicia 94510 25 -43.2% $360,000 -28.0% $735,000 $247 -18.0%
Dixon 95620 29 123.1% $295,000 -24.8% $505,000 $178 -26.6%
Fairfield 94533 100 112.8% $190,000 -47.4% $470,000 $138 -46.7%
Fairfield 94534 73 92.1% $350,000 -38.7% $1,530,000 $180 -29.4%
Rio Vista 94571 12 -40.0% $291,250 -2.4% $410,500 $180 -25.2%
Suisun City 94585 58 141.7% $229,000 -42.0% $407,000 $148 -39.3%
Vacaville 95687 87 74.0% $295,000 -23.4% $556,500 $168 -30.0%
Vacaville 95688 46 43.8% $350,000 -39.2% $1,530,000 $197 -25.5%
Vallejo 94589 44 76.0% $190,250 -44.6% $469,600 $146 -45.1%
Vallejo 94590 37 8.8% $155,000 -58.1% $480,000 $143 -54.4%
Vallejo 94591 73 35.2% $287,500 -36.8% $570,000 $170 -41.3%
Vallejo 94592 n/a n/a n/a n/a n/a n/a n/a
Sonoma County
Bodega Bay 94923 5 -16.7% $739,500 41.4% $1,450,000 $369 -20.6%
Cloverdale 95425 8 -38.5% $394,000 -16.2% $1,550,000 $192 -38.8%
Cotati 94931 5 -44.4% $630,000 61.7% $685,000 $284 -48.0%
Forestville 95436 2 -80.0% $130,000 -73.2% $160,000 $183 -48.0%
Glen Ellen 95442 n/a n/a n/a n/a n/a n/a n/a
Guerneville 95446 9 -30.8% $330,000 -11.8% $437,000 $354 5.2%
Healdsburg 95448 9 -60.9% $408,500 -22.1% $1,000,000 $296 -14.1%
Penngrove 94951 2 0.0% $620,500 -9.8% $620,500 $295 -48.7%
Petaluma 94952 19 -45.7% $485,000 -26.4% $2,100,000 $286 -26.9%
Petaluma 94954 38 40.7% $410,000 -26.5% $1,035,000 $267 -19.7%
Rohnert Park 94928 59 25.5% $295,000 -26.2% $593,000 $228 -18.4%
Santa Rosa 95401 36 89.5% $252,500 -42.6% $700,000 $214 -31.2%
Santa Rosa 95403 48 17.1% $315,000 -30.0% $985,000 $236 -16.1%
Santa Rosa 95404 27 -35.7% $355,000 -37.2% $1,235,000 $226 -32.8%
Santa Rosa 95405 26 23.8% $365,100 -23.8% $1,000,000 $296 -18.7%
Santa Rosa 95407 57 78.1% $285,000 -28.6% $645,500 $187 -38.3%
Santa Rosa 95409 35 0.0% $450,000 -14.5% $810,000 $285 -12.7%
Sebastopol 95472 20 -35.5% $504,000 -25.8% $975,000 $369 -9.1%
Sonoma 95476 39 21.9% $515,000 -14.8% $1,317,000 $343 -14.2%
The Sea Ranch 95497 3 200.0% $750,000 7.3% $775,000 $436 14.4%
Windsor 95492 59 43.9% $392,500 -26.6% $1,400,000 $237 -25.5%
]]> http://www.heindrickso.com/bay-area-home-sales-activity-august-2008/feed/ 0 How Does the Fannie and Freddie Bailout Effect You? http://www.heindrickso.com/how-does-the-fannie-freddie-bailout-effect-you/ http://www.heindrickso.com/how-does-the-fannie-freddie-bailout-effect-you/#comments Mon, 08 Sep 2008 01:34:17 +0000 Heindrick http://www.heindrickso.com/?p=526

Don’t bring Henry Paulson with you to Las Vegas.

Paulson asked Congress for the right to use taxpayer funds to intervene – but hoped the pledge alone would be sufficient. “If you have a bazooka in your pocket and people know it, you probably won’t have to use it,” he said at a July 15 Senate Banking Committee hearing.

But now Paulson is readying the bazooka, because the markets didn’t respond as hoped. Shares in the companies bounced back from multiyear lows in recent weeks, but bond markets have not regained confidence in Fannie and Freddie.

Investors and bond markets have all called Paulson’s bluff. Fannie Mae and Freddie Mac are now going to be under government control in the form of a temporary conservatorship.

The Fannie and Freddie bailout has fired the top executives and left the government “temporarily” in charge of operations.  Meanwhile, investors and foreign speculators are assured of these securities because they are now backed by the American Taxpayer.

But What Does This Mean for You?

Shareholders and Employees – Unfortunately, these are some of the losers who will suffer because of the bailout.

CEO Daniel Mudd & Richard Syron – Well, say goodbye to your jobs, but say hello to your final payday.  Investors are outraged since each of these two will be leaving with $9.3 and $14.1 million respectively per their agreed severance pay retirement contracts.

Current Homeowner – If you were thinking of refinancing, this bailout might help you see an improvement in mortgage rates. But don’t expect tightening guidelines to loosen up. In fact, don’t be surprised if some banks tighten up their standards.

First Time Home Buyers – This should keep your prospective search up and running. The bailout essentially attempts to stabilize this housing market and stimulate more activity. You are the hope of this nation – if there is any hope to stabilize prices and drop the increasing inventory of stagnant homes, it falls the hands of first time home buyers.

Troubled Borrowers - Looking to modify your loan, this bailout just might keep your hopes alive.  Lenders have already been modifying loans, but this bailout stands to set an example. If the government is willing to step in and prevent the failure of these two giants, it would not be a surprise if more pressure was applied to help troubled homeowners.

American Taxpayer – Unfortunately, this bailout is funded by you the American Taxpayer. Fannie and Freddie will continue to operate normally except for one small detail; taxpayers will be responsible for future losses of the entities.

I know a lot of people are going to be upset because they are now responsible for these losses. But if i can bring up one point that is worth mentioning, it would be this:

Fannie and Freddie were really the only ones buying loans from banks since pretty much all the other investors are now extinct. If they did fail, it would be impossible for anyone to get a home loan. No one could buy a home, homes would sit on the market, and home prices would sink even lower. Then, equity slides even further, and well you get the point – chaos.

So while news outlets are publicizing the fact that taxpayers are paying for this bailout, the truth is, you would have paid for it either way. It’s a sad truth and that is why everybody is hoping for a reform of these two massive “too-big-too-fail” entities.

Interested, Confused? Read more about how Fannie and Freddie Operate.

Also, see what our presidential candidates, McCain and Obama, have to say about this: Reuters and Bloomberg

]]> http://www.heindrickso.com/how-does-the-fannie-freddie-bailout-effect-you/feed/ 3 Bay Area Home Sales Activity July 2008 http://www.heindrickso.com/bay-area-home-sales-activity-july-2008/ http://www.heindrickso.com/bay-area-home-sales-activity-july-2008/#comments Wed, 27 Aug 2008 04:29:21 +0000 Heindrick http://www.heindrickso.com/?p=518 Bay Area Average Home Sales Activity July 2008

Source: DQNews

Due to size and length of report, I have uploaded the PDF file: Bay Area Home Sales Activity

Community Zip Sales % Chg Median Price % Chg High Price $/SqFt % Chg
Alameda County              
Alameda 94501 42 -34.4% $618,000 -8.8% $975,000 $412 -12.9%
Alameda 94502 16 6.7% $655,000 -9.7% $1,130,000 $398 -14.3%
Albany 94706 24 9.1% $575,000 -6.9% $965,000 $540 -7.1%
Berkeley 94702 10 -41.2% $550,000 -0.5% $855,000 $522 1.9%
Berkeley 94703 8 -38.5% $665,000 5.6% $1,230,000 $572 19.7%
Berkeley 94704 n/a n/a n/a n/a n/a n/a n/a
Berkeley 94705 13 8.3% $818,000 5.3% $6,818,200 $507 -7.4%
Berkeley 94707 25 38.9% $860,000 -7.0% $1,400,000 $485 -13.7%
Berkeley 94708 12 -47.8% $887,500 2.2% $1,702,500 $603 12.2%
Berkeley 94709 9 12.5% $600,000 -18.2% $1,350,000 $465 -12.4%
Berkeley 94710 2 -60.0% $512,500 -43.5% $575,000 $625 -8.3%
Castro Valley 94546 35 16.7% $450,000 -19.6% $1,065,000 $343 -19.2%
Castro Valley 94552 13 -38.1% $713,500 -4.2% $940,000 $333 -19.9%
Dublin 94568 85 19.7% $514,000 -20.2% $1,250,000 $299 -19.8%
Emeryville 94608 30 -45.5% $270,000 -26.8% $455,000 $222 -33.3%
Fremont 94536 62 -7.5% $492,500 -26.4% $1,289,000 $373 -16.7%
Fremont 94538 52 -1.9% $468,000 -20.0% $693,000 $378 -20.1%
Fremont 94539 48 -37.7% $919,500 -14.3% $2,236,500 $475 -7.6%
Fremont 94555 20 -39.4% $580,000 -11.0% $816,000 $369 -18.8%
Hayward 94541 45 28.6% $320,000 -37.3% $630,000 $247 -46.4%
Hayward 94542 17 6.3% $600,000 -17.6% $1,100,000 $218 -30.8%
Hayward 94544 49 0.0% $305,000 -38.9% $585,000 $254 -40.8%
Hayward 94545 37 37.0% $323,250 -33.4% $740,000 $229 -45.7%
Livermore 94550 41 -10.9% $625,500 -7.2% $1,300,000 $272 -25.6%
Livermore 94551 60 25.0% $430,000 -31.5% $822,500 $288 -22.9%
Newark 94560 46 12.2% $399,000 -31.8% $836,000 $320 -25.5%
Oakland 94601 20 42.9% $252,500 -43.9% $3,409,100 $174 -53.4%
Oakland 94602 29 -9.4% $650,000 -2.8% $930,000 $426 -14.7%
Oakland 94603 31 82.4% $167,000 -51.3% $3,750,000 $169 -55.4%
Oakland 94605 38 5.6% $345,000 -32.4% $835,000 $215 -35.4%
Oakland 94606 10 11.1% $246,250 -46.4% $461,000 $238 -39.4%
Oakland 94607 12 -50.0% $278,500 -35.3% $1,975,000 $195 -31.7%
Oakland 94609 12 -20.0% $490,000 -1.3% $650,000 $354 -27.1%
Oakland 94610 14 -41.7% $560,000 -27.8% $1,010,000 $401 -24.0%
Oakland 94612 7 -12.5% $283,000 -32.2% $397,000 $99 -74.7%
Oakland 94618 24 -17.2% $740,000 -16.4% $1,650,000 $516 -10.5%
Oakland 94619 21 -22.2% $488,500 -11.2% $1,100,000 $319 -23.0%
Oakland 94621 22 69.2% $136,000 -63.7% $312,000 $149 -54.4%
Piedmont 94611 38 -29.6% $665,000 -21.1% $2,522,000 $445 -11.4%
Pleasanton 94566 53 1.9% $831,500 -5.0% $2,365,000 $393 -11.1%
Pleasanton 94588 26 -40.9% $615,000 -15.2% $1,625,000 $374 -11.2%
San Leandro 94577 52 36.8% $369,000 -26.9% $693,000 $303 -18.8%
San Leandro 94578 35 84.2% $320,000 -32.6% $1,512,500 $273 -39.9%
San Leandro 94579 16 -23.8% $430,000 -18.1% $773,000 $316 -28.4%
San Lorenzo 94580 28 55.6% $340,000 -35.7% $470,000 $292 -36.3%
Union City 94587 66 8.2% $415,000 -26.0% $800,000 $293 -23.0%
                 
Contra Costa County              
Alamo 94507 21 -19.2% $1,461,500 6.3% $3,200,000 $506 -8.0%
Antioch 94509 122 205.0% $192,750 -48.6% $525,000 $134 -50.6%
Antioch 94531 127 195.3% $290,000 -39.6% $565,000 $140 -43.2%
Brentwood 94513 150 111.3% $374,000 -32.0% $760,000 $156 -35.2%
Byron 94514 n/a n/a n/a n/a n/a n/a n/a
Clayton 94517 10 -47.4% $591,000 -12.4% $1,100,000 $309 -11.5%
Concord 94518 45 73.1% $412,000 -15.0% $725,000 $279 -23.4%
Concord 94519 38 65.2% $312,000 -35.0% $540,000 $252 -27.4%
Concord 94520 42 90.9% $240,000 -36.8% $700,000 $232 -38.4%
Concord 94521 49 6.5% $330,000 -37.6% $753,000 $255 -26.8%
Danville 94506 45 -22.4% $1,050,000 -1.0% $2,900,000 $410 -4.7%
Danville 94526 26 -43.5% $848,000 -3.3% $2,025,000 $394 -13.3%
Diablo 94528 n/a n/a n/a n/a n/a n/a n/a
El Cerrito 94530 22 -37.1% $550,000 -12.0% $998,000 $360 -28.1%
El Sobrante 94803 31 40.9% $330,000 -42.6% $629,000 $246 -25.0%
Hercules 94547 38 100.0% $368,250 -31.2% $1,025,000 $228 -6.7%
Lafayette 94549 26 -16.1% $1,017,000 -20.2% $2,600,000 $512 -12.2%
Martinez 94553 39 -23.5% $404,000 -16.7% $765,000 $294 -13.1%
Moraga 94556 21 -19.2% $805,000 -30.7% $1,725,000 $501 -7.2%
Oakley 94561 100 122.2% $276,000 -34.5% $900,000 $142 -44.5%
Orinda 94563 23 -32.4% $1,038,500 -16.4% $2,959,500 $513 -11.9%
Pinole 94564 16 14.3% $325,000 -45.1% $490,000 $254 -24.1%
Pittsburg 94565 151 214.6% $250,000 -44.4% $580,000 $149 -48.7%
Pleasant Hill 94523 37 -22.9% $475,500 -22.7% $865,000 $344 -19.7%
Richmond 94801 43 258.3% $125,000 -72.6% $1,725,000 $95 -73.1%
Richmond 94804 44 -10.2% $193,500 -50.7% $510,000 $157 -60.1%
Richmond 94805 20 42.9% $279,250 -35.5% $495,000 $246 -33.4%
Rodeo 94572 6 -33.3% $357,500 -31.8% $435,000 $253 -34.0%
San Pablo 94806 89 117.1% $263,250 -41.5% $625,000 $197 -44.4%
San Ramon 94582 92 -10.7% $725,000 -17.8% $1,380,000 $329 -11.1%
San Ramon 94583 33 -34.0% $640,000 -7.2% $1,440,000 $345 -14.6%
Walnut Creek 94595 37 23.3% $500,000 -15.1% $1,500,000 $568 14.9%
Walnut Creek 94596 26 0.0% $642,500 -21.3% $1,725,000 $419 -12.6%
Walnut Creek 94597 32 28.0% $541,000 -22.8% $955,000 $341 -28.0%
Walnut Creek 94598 38 31.0% $700,000 14.8% $2,238,000 $404 -11.6%
                 
Marin County                
Belvedere Tiburon 94920 16 -38.5% $1,300,000 -17.5% $3,600,000 $736 -13.4%
Corte Madera 94925 15 7.1% $1,104,500 24.1% $1,925,000 $646 10.7%
Fairfax 94930 11 37.5% $750,000 -8.5% $1,090,000 $525 5.6%
Greenbrae 94904 17 -10.5% $825,000 -39.3% $2,200,000 $567 -18.6%
Inverness 94937 n/a n/a n/a n/a n/a n/a n/a
Larkspur 94939 13 0.0% $1,537,500 77.7% $2,570,000 $672 10.6%
Mill Valley 94941 33 -41.1% $1,375,000 28.6% $5,400,000 $699 5.6%
Novato 94945 13 18.2% $650,000 -19.6% $1,275,000 $402 0.1%
Novato 94947 30 7.1% $500,000 -23.1% $1,800,000 $366 -16.2%
Novato 94949 17 -10.5% $617,500 -26.9% $1,320,000 $359 -15.4%
Ross 94957 1 0.0% $1,150,000 -42.5% $1,150,000 $830 21.3%
San Anselmo 94960 17 -26.1% $947,500 7.4% $4,000,000 $644 23.3%
San Rafael 94901 34 21.4% $585,000 -34.9% $1,540,000 $497 -9.1%
San Rafael 94903 31 -22.5% $622,500 -11.3% $2,450,000 $426 -12.7%
Sausalito 94965 9 28.6% $895,000 6.6% $1,400,000 $772 -21.3%
Stinson Beach 94970 6 n/a $2,402,000 n/a $6,595,000 $1,295 n/a
                 
Napa County                
American Canyon 94503 41 272.7% $409,500 -34.5% $660,000 $200 -42.2%
Calistoga 94515 3 0.0% $615,000 -21.7% $795,000 $418 -11.2%
Napa 94558 48 26.3% $445,000 -25.8% $1,151,500 $301 -22.0%
Napa 94559 28 86.7% $392,000 -29.4% $1,200,000 $299 -38.1%
Saint Helena 94574 3 -57.1% $705,000 -22.3% $710,000 $451 -32.3%
Yountville 94599 1 -50.0% $1,062,500 1.0% $1,062,500 $489 -29.0%
                 
San Francisco County              
San Francisco 94102 7 -41.7% $520,000 51.9% $804,500 n/a n/a
San Francisco 94103 26 136.4% $625,000 -12.7% $979,000 n/a n/a
San Francisco 94105 37 428.6% $687,500 -9.4% $1,312,000 n/a n/a
San Francisco 94107 47 -19.0% $750,000 -0.1% $1,662,500 $565 -31.8%
San Francisco 94108 4 33.3% $890,000 4.7% $975,000 n/a n/a
San Francisco 94109 32 -27.3% $715,000 4.0% $2,200,000 $516 -66.9%
San Francisco 94110 35 -5.4% $749,500 -10.2% $1,950,000 $669 -12.8%
San Francisco 94111 4 -63.6% $1,025,000 0.0% $1,200,000 n/a n/a
San Francisco 94112 40 -13.0% $605,000 -15.7% $900,000 $502 -15.2%
San Francisco 94114 29 7.4% $1,020,000 -20.6% $5,200,000 $919 1.0%
San Francisco 94115 29 -14.7% $905,000 7.7% $2,450,000 $994 19.8%
San Francisco 94116 26 -16.1% $881,500 6.2% $1,905,000 $644 -2.2%
San Francisco 94117 16 -23.8% $1,200,000 65.5% $1,950,000 $868 70.4%
San Francisco 94118 19 26.7% $980,000 -9.5% $4,100,000 $710 21.0%
San Francisco 94121 21 110.0% $990,000 4.5% $3,500,000 $702 4.0%
San Francisco 94122 28 -28.2% $785,000 -8.0% $1,375,000 $585 -8.4%
San Francisco 94123 8 -52.9% $984,500 -31.9% $3,025,000 $948 -26.6%
San Francisco 94124 21 0.0% $410,000 -21.2% $722,000 $299 -42.4%
San Francisco 94127 18 -52.6% $857,000 -19.9% $2,100,000 $627 -9.8%
San Francisco 94131 28 -28.2% $807,500 -2.7% $2,950,000 $686 -20.3%
San Francisco 94132 17 -5.6% $823,500 24.4% $1,130,000 $599 9.7%
San Francisco 94133 9 -35.7% $797,000 -5.0% $1,020,000 n/a n/a
San Francisco 94134 23 -11.5% $568,500 -9.8% $810,000 $445 -23.1%
                 
San Mateo County                
Atherton 94027 6 20.0% $5,000,000 n/a $6,750,000 $1,255 n/a
Belmont 94002 28 -3.4% $882,500 -4.1% $1,325,000 $567 3.2%
Brisbane 94005 4 -33.3% $584,000 -23.7% $734,000 $514 3.5%
Burlingame 94010 41 -18.0% $1,294,000 -13.7% $2,720,000 $718 0.0%
Daly City 94014 36 44.0% $514,000 -27.5% $808,000 $409 -16.6%
Daly City 94015 44 18.9% $568,000 -14.9% $833,000 $413 -19.3%
Half Moon Bay 94018 2 -50.0% $900,000 -3.7% $925,000 $371 -38.8%
Half Moon Bay 94019 7 -50.0% $385,000 -59.7% $959,000 $350 -32.7%
Menlo Park 94025 49 11.4% $850,500 9.7% $1,625,000 $526 -19.6%
Menlo Park 94028 9 -40.0% $2,450,000 66.7% $2,450,000 $793 1.3%
Millbrae 94030 21 -8.7% $795,000 -22.8% $1,383,000 $569 -12.3%
Montara 94037 4 100.0% $652,000 -59.3% $990,000 $505 -19.4%
Moss Beach 94038 2 0.0% $839,000 n/a $928,000 $420 n/a
Pacifica 94044 23 -11.5% $575,000 -16.7% $845,000 $479 -13.9%
Palo Alto 94303 49 19.5% $399,000 -47.5% $1,875,000 $280 -60.5%
Redwood City 94061 20 -33.3% $712,000 -2.5% $1,225,000 $520 -15.3%
Redwood City 94063 12 -7.7% $499,000 -27.2% $797,000 $419 -33.2%
Redwood City 94065 19 -24.0% $780,000 -7.7% $1,505,000 $518 -12.4%
San Bruno 94066 37 -5.1% $610,000 -1.9% $915,000 $500 -20.1%
San Carlos 94070 43 19.4% $975,000 -12.9% $1,740,000 $621 -3.6%
San Mateo 94401 31 47.6% $590,000 -10.5% $3,522,700 $480 -11.6%
San Mateo 94402 29 -23.7% $1,165,000 1.3% $3,795,500 $637 -1.4%
San Mateo 94403 39 -7.1% $750,000 -7.4% $3,954,500 $582 -0.4%
San Mateo 94404 37 -22.9% $813,500 4.1% $1,634,000 $531 1.5%
South San Francisco 94080 47 42.4% $530,000 -25.4% $800,000 $426 -25.8%
Woodside 94062 33 43.5% $799,000 -25.7% $2,450,000 $623 5.8%
                 
Santa Clara County              
Campbell 95008 45 -15.1% $610,000 -16.2% $1,630,000 $493 -10.5%
Cupertino 95014 63 -20.3% $1,041,250 1.1% $1,821,000 $632 -8.8%
Gilroy 95020 54 -12.9% $432,500 -33.7% $1,125,000 $244 -34.1%
Los Altos 94022 21 -8.7% $1,781,000 -0.6% $4,700,000 $984 20.1%
Los Altos 94024 17 -41.4% $1,742,500 -2.3% $3,900,000 $732 -7.9%
Los Gatos 95030 16 0.0% $1,988,500 13.3% $6,125,000 $880 -3.9%
Los Gatos 95032 29 -29.3% $997,500 2.3% $2,522,500 $625 -5.4%
Los Gatos 95033 2 -60.0% $815,000 18.8% $815,000 $981 112.7%
Milpitas 95035 63 18.9% $622,500 -3.7% $1,000,000 $366 -8.2%
Morgan Hill 95037 33 -37.7% $567,000 -27.3% $1,285,000 $307 -21.3%
Mountain View 94040 23 -30.3% $770,000 -9.4% $1,860,000 $736 8.0%
Mountain View 94041 12 20.0% $921,250 33.3% $1,536,000 $727 -26.6%
Mountain View 94043 31 -29.5% $667,500 -2.6% $1,035,000 $624 -10.8%
Palo Alto 94301 22 46.7% $1,206,000 -3.5% $2,716,000 $733 -31.0%
Palo Alto 94306 27 -6.9% $866,000 -11.2% $1,750,000 $762 -1.5%
San Jose 95110 6 -53.8% $325,000 -34.3% $444,000 $327 -26.4%
San Jose 95111 46 21.1% $401,000 -35.1% $580,000 $300 -32.3%
San Jose 95112 30 -18.9% $410,000 -29.8% $1,340,000 $381 -19.8%
San Jose 95116 22 -40.5% $389,000 -15.3% $764,500 $286 -28.0%
San Jose 95117 15 -34.8% $731,000 3.5% $920,000 $480 4.9%
San Jose 95118 28 -17.6% $552,500 -20.4% $4,314,000 $403 -19.7%
San Jose 95119 11 -8.3% $500,000 -21.6% $630,000 $387 -6.5%
San Jose 95120 34 -12.8% $975,000 -1.4% $1,625,000 $453 -12.6%
San Jose 95121 37 15.6% $460,000 -9.8% $1,100,000 $328 -24.6%
San Jose 95122 47 30.6% $370,000 -33.9% $485,000 $313 -36.3%
San Jose 95123 62 -17.3% $495,750 -17.4% $950,000 $375 -10.1%
San Jose 95124 53 -18.5% $652,500 -11.8% $1,337,000 $448 -9.0%
San Jose 95125 49 -30.0% $749,000 -8.1% $3,400,000 $484 -12.4%
San Jose 95126 25 -16.7% $691,500 22.6% $1,500,000 $426 -13.6%
San Jose 95127 52 20.9% $380,000 -36.7% $998,000 $306 -33.6%
San Jose 95128 18 -10.0% $540,000 -26.5% $790,000 $454 -7.5%
San Jose 95129 35 -14.6% $900,000 7.9% $1,350,000 $663 4.2%
San Jose 95130 13 18.2% $742,000 0.0% $975,000 $549 -3.0%
San Jose 95131 30 -18.9% $450,000 -31.4% $875,000 $353 -20.3%
San Jose 95132 32 0.0% $507,500 -23.0% $720,000 $382 -4.6%
San Jose 95133 31 24.0% $517,500 19.0% $900,000 $306 -23.2%
San Jose 95134 4 -60.0% $559,500 -16.5% $650,000 n/a n/a
San Jose 95135 32 3.2% $700,000 -17.1% $1,160,000 $368 -13.4%
San Jose 95136 41 -8.9% $574,500 -12.4% $850,000 $334 -17.5%
San Jose 95138 27 -25.0% $837,500 -4.3% $1,715,000 $407 -11.0%
San Jose 95139 11 57.1% $509,000 -25.1% $610,000 $344 -23.8%
San Jose 95148 41 -10.9% $512,500 -26.5% $925,000 $326 -24.0%
San Martin 95046 1 -80.0% $905,000 -9.5% $905,000 $344 -27.0%
Santa Clara 95050 24 -7.7% $610,000 -16.4% $2,550,000 $463 -16.1%
Santa Clara 95051 39 -23.5% $578,750 -14.6% $1,150,000 $506 -9.4%
Santa Clara 95054 23 -8.0% $665,000 -12.5% $1,260,000 $423 -11.2%
Saratoga 95070 32 -28.9% $1,595,000 12.8% $4,600,000 $708 9.4%
Sunnyvale 94085 19 5.6% $501,000 -21.2% $640,000 $335 -26.6%
Sunnyvale 94086 33 -5.7% $657,500 -9.9% $1,090,000 $574 1.2%
Sunnyvale 94087 49 -16.9% $929,000 -1.5% $1,366,000 $628 -3.1%
Sunnyvale 94089 15 -21.1% $594,500 -16.5% $862,500 $472 -15.7%
                 
Solano County                
Benicia 94510 22 -40.5% $422,000 -15.6% $612,000 $254 -25.4%
Dixon 95620 19 46.2% $296,250 -28.6% $470,000 $177 -30.9%
Fairfield 94533 97 70.2% $195,000 -53.0% $580,000 $147 -44.0%
Fairfield 94534 60 57.9% $385,000 -25.1% $775,000 $179 -31.6%
Rio Vista 94571 8 -27.3% $232,500 -31.6% $350,000 $131 -47.3%
Suisun City 94585 60 130.8% $224,500 -44.6% $407,000 $156 -38.8%
Vacaville 95687 75 10.3% $277,500 -30.6% $615,000 $187 -25.0%
Vacaville 95688 48 71.4% $367,500 -31.1% $1,600,000 $189 -29.8%
Vallejo 94589 47 67.9% $226,000 -41.3% $787,500 $159 -43.1%
Vallejo 94590 40 29.0% $205,500 -45.9% $362,500 $147 -48.6%
Vallejo 94591 101 94.2% $337,500 -20.6% $530,000 $179 -37.6%
Vallejo 94592 3 0.0% $430,000 -26.0% $445,000 $186 1347.8%
                 
Sonoma County                
Bodega Bay 94923 2 -50.0% $640,000 -24.0% $850,000 $486 15.1%
Cloverdale 95425 10 -16.7% $395,000 -6.6% $3,000,000 $268 -1.9%
Cotati 94931 10 -33.3% $255,000 -47.0% $608,000 $258 -39.0%
Forestville 95436 2 -83.3% $388,000 2.4% $520,000 $330 -20.8%
Glen Ellen 95442 2 0.0% $705,750 -14.4% $1,112,500 $537 -23.5%
Guerneville 95446 7 -36.4% $358,000 32.6% $690,000 $306 18.3%
Healdsburg 95448 11 -42.1% $510,000 -12.7% $1,290,000 $327 -12.0%
Penngrove 94951 2 0.0% $677,727 -23.6% $680,000 $389 -32.2%
Petaluma 94952 28 -24.3% $572,500 -7.2% $1,225,000 $338 -15.8%
Petaluma 94954 49 53.1% $390,000 -26.4% $735,000 $256 -21.0%
Rohnert Park 94928 45 4.7% $307,500 -27.5% $560,000 $232 -23.9%
Santa Rosa 95401 55 37.5% $292,750 -34.1% $712,000 $218 -40.7%
Santa Rosa 95403 59 55.3% $310,000 -36.0% $830,000 $224 -39.0%
Santa Rosa 95404 46 27.8% $367,000 -33.0% $1,160,000 $276 -21.3%
Santa Rosa 95405 17 -37.0% $344,000 -34.5% $628,000 $246 -30.7%
Santa Rosa 95407 41 86.4% $276,000 -44.2% $430,000 $204 -39.9%
Santa Rosa 95409 32 -8.6% $525,000 -10.3% $1,025,000 $289 -21.7%
Sebastopol 95472 17 -19.0% $571,000 -16.0% $1,465,000 $369 -19.1%
Sonoma 95476 33 -31.3% $529,000 -20.7% $1,500,000 $340 -20.0%
The Sea Ranch 95497 1 0.0% $685,000 -68.1% $685,000 n/a n/a
Windsor 95492 30 -9.1% $390,250 -25.2% $642,500 $228 -26.9%
]]> http://www.heindrickso.com/bay-area-home-sales-activity-july-2008/feed/ 0 FreeCreditReport.Com Does Not Give You A Free Credit Report http://www.heindrickso.com/freecreditreportcom-does-not-give-you-a-free-credit-report/ http://www.heindrickso.com/freecreditreportcom-does-not-give-you-a-free-credit-report/#comments Mon, 25 Aug 2008 16:46:11 +0000 Heindrick http://www.heindrickso.com/?p=511 I mentioned this before in my Credit FAQs , but I thought I’d pay special attention to this misconception about your entitled free credit reports. Thanks to heavy advertising, a catchy tune, and a great domain name – it’s quite easy to mistake [freecreditreport dot com] as the source for a free credit report. (I refuse to give them a link)

The website is actually owned by a Experian Consumer Direct, a subsidiary of the credit bureau Experian. The site advertises a free credit report, and offers you a 7 day trail for their Triple Advantage monitoring system. Unfortunately, by enrolling in the trial, customers find themselves receiving a monthly bill of about $14.95/month.

The Real Deal

Instead the website everybody is looking for is www.annualcreditreport.com as they truly give you three free credit reports from each bureau annually.  It’s unfortunate they didn’t own the domain [freecreditreport dot com], but if you’ve had experience in Web technology and domain names, you can see how owning relevant domains is so important.

I wish there would be commercials for these two websites in the form of Mac Vs. PC guy to clear up this issue, but for right now, word of mouth will have to do.  Actually, since receiving so many complaints,  [freecreditreport dot com] has put a disclaimer on their homepage stating the recurring monthly fees of the Triple Advantage Program.

So pass this news to friends and family, email it, and bookmark it – it sounds strange, but do not go to [freecreditreport dot com] for your free credit reports. Go to www.annualcreditreport.com

P.S.: A nice way of taking advantage of your annual three free credit reports is to obtain one every four months so you can stay current throughout the year.

]]> http://www.heindrickso.com/freecreditreportcom-does-not-give-you-a-free-credit-report/feed/ 0 The BEST Way to Get Rid of Ants http://www.heindrickso.com/the-best-way-to-get-rid-of-ants/ http://www.heindrickso.com/the-best-way-to-get-rid-of-ants/#comments Mon, 18 Aug 2008 20:47:03 +0000 Heindrick http://www.heindrickso.com/?p=463 I really hate ants. I’ve used sprays, traps, soapy water, and voodoo before but I will never go back to them again.  Awhile back, I realized that you really need to get them at the source – otherwise they just keep coming back. So traps are certainly the best choice as sprays and deterrents are just temporary.

Well lately, I used this Terro Liquid Bait Ant Trap and it is the BEST.

I’ve seen a lot of rave reviews about it and seen it on a few forums, well add me to this list. I have already gone through 3 boxes of these traps, and each has managed to attract hundreds of ants leaving a little cemetery of ants left in the traps. They literally go crazy for the first few days, and after awhile – all gone. I guess they bring back the “poison” to their base and it kills off the majority. The ones left in the traps are the real greedy ones I take- the guys who wanted all the good stuff for themselves, and stayed there apparently till the poison took effect.

Pictures
These next few pictures are a little more graphic so I didn’t want to post them right on this page. But if you hate ants as much as I do and are looking for something to finally get rid of them, I’m sure you’ll have no problem

Terro Ant Trap right next to a Grants Trap

Closeup of Terro filled with ants. Yes those little black things are all ants. The trap is clear when you get it new

Some other traps that I have used.

So there you go. Hopefully, you guys have as much success as I did with these traps. I’d also be happy to know if you have any tips or comments (like using chalk as a deterrent) to share with me as well.

]]> http://www.heindrickso.com/the-best-way-to-get-rid-of-ants/feed/ 3 First Time Home Buyers: Don’t be scared of $7500 Tax Credit, Just be Informed http://www.heindrickso.com/first-time-home-buyers-dont-be-scared-of-7500-tax-credit-just-be-informed/ http://www.heindrickso.com/first-time-home-buyers-dont-be-scared-of-7500-tax-credit-just-be-informed/#comments Mon, 18 Aug 2008 19:53:38 +0000 Heindrick http://www.heindrickso.com/?p=457 There was first a lot of coverage of the recent housing bill, but I feel like the $7500 is getting some negative press as the fine print becomes more apparent.  CNN just put out an article titled, “Beware the $7500 ‘Tax Credit’” as if it was something to be afraid off. Well don’t be afraid, just be informed.

Bottom Line
To help stimulate the housing economy and hopefully entice home buyers, the recent bill has publicized a tax credit for first time home buyers

Here’s the Scoop

  • First-Time Home Buyers or buyers who have not owned a home in three years are eligible
  • Individuals must earn less than $75,000 while couples must earn less than $150,000
  • Individuals with incomes up to $95,000 and couples with income up to $170,000 are still eligible for partial credit
  • A tax credit will be issued for 10% of the sale price up to $7500. Most will receive the $7500 tax credit, but if you purchase a home for less than $75,000 your credit is capped at 10%. (i.e. $55,000 purchase price = $5500 tax credit)
  • If you owe less taxes than the tax credit, the remainder will be issued as a refund. (If you owe $10,000 in taxes, you will pay $2500. If you owe $4,500 in taxes, you will receive $3,000)

How it’s Repaid

  • Borrowers must start paying back this “loan” after two years and the loan must be paid off within 15 years.
  • If the home is sold, the remaining balance is paid for with the profits from sale. If the sale is at a loss, the remaining balance will be forgiven.

So there you have it.  While it isn’t free money as many had thought it to be, it is still a nice incentive for home buyers today. It is essentially a personal loan with zero percent interest with quite flexible terms. Read more about the Rescue Housing Bill including a PDF summary page.

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