From the monthly archives:

March 2009

Spam update

by Chris Butterworth on March 31, 2009

in Technology

Three weeks ago I received 92 spam-emails in a single day, and quite honestly that felt like a light day.  I wrote about the difference between spammers and true emailers, and said I was going to unsubscribe zealously from every spam I receive.

spam ball

image of SPAM beach ball from Hormell’s SPAM website.

Yesterday, exactly three weeks later, I received only 15 spam emails.  So far the unsubscribe tactic is working.

I hadn’t been unsubscribing from emails over the last couple of years for a number of reasons:

I didn’t want to spend the time required to click around and do it.

I didn’t want to open the spammers’ emails and risk them thinking I actually read it.

I was nervous the link would take me to a virus-infecting website.

I didn’t want the spammers to sell my email address to other spammers as an “active email account”.

Hopefully I was wrong on all accounts, because 15 is a lot better than 92 (or 125 on some days).  I will continue to unsubscribe to every spam email I can.  I will also continue to practice non-spam emailing.  And of course I’ll let you know if I have any updates worth sharing!

Your reducing spam from outlook’s diet Realtor,

Chris Butterworth


chris

Chris Butterworth is a Realtor. He's also a husband, father, writer, amateur photographer, and self-proclaimed tech junkie. And he's an all-around good guy!

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JPMorgan Chase & Co. opens a new loan service center today in north Phoenix and hopes to help area homeowners facing foreclosure and payments they can’t afford.

The loan service center will “introduce new financing alternatives, reach out to borrowers to offer prequalified modifications, and initiate a process to review each loan independently before moving it into the foreclosure process.”

Chase advisers can also help customers with questions regarding the loan remodification program President Barack Obama introduced last month in Mesa.

Chase’s regional spokesperson said the center is equipped to handle several hundred calls and appointments a week and their goal is to help homeowners improve their situations within 30 days.

In addition to the regional location in Phoenix, Chase launched 23 other loan centers across the country. Nine are in California and Denver and Las Vegas also have centers.

Chase inherited bad loans through their acquisitions of Washington Mutual and EMC Mortgage Corp.

Chase says they have helped prevent 330,000 foreclosures of Chase, WaMu and EMC loans since 2007, primarily by reducing interest rates, extending loan terms and providing principal deferral.

Readers, does anyone know a homeowner who’s received a Chase loan workout or modification? I only know one homeowner who got a modification and that was from Citigroup in late 2008.


heather

Heather Barr is a Realtor. She's a chow hound, a gym rat, and the only political junkie in the USA who can actually keep her political views to herself. Instead, she focuses on educating her clients about the often-confusing world of residential real estate.

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Keep It Simple

by Heather March 30, 2009 General Musings

For about 2 years now I’ve been trying to explain to seller clients why it’s not a good idea to “test the market” with a higher list price. Their logic is “we can always drop the price” or “they can just make an offer.”
The response I have inside my head is, “Are you bleeping INSANE?!?!? [...]

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Sunday Stats

by Heather March 29, 2009 Sunday Stats

Holy Seller’s Market, Batman! Check out Surprise ZIP 85379 which has shrunk to a mere 3-and-a-half months’ worth of inventory. That’s a strong seller’s market. Six months’ is normal, which should give you an idea of how strong the sellers’ hand is in Surprise. If you’re trying to buy in this ZIP, expect to pay [...]

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Where’s The Bottom?

by Heather March 25, 2009 Investors

There’s a painful truth about a market where prices are falling. It looks like this:

Every guy who buys pays less than the last guy who bought. That’s pretty much the classic definition of a declining market.
If you’re a seller, it’s better to sell now than later. Later equals less money in your pocket. If you’re [...]

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Household Quickie - Spring Clean the Windows

by Heather March 24, 2009 Buyer Help

Metro Phoenix is a dusty place. Dust accumulates at a superhuman rate in your house, your car, on your patio furniture. It only takes about an hour for a thin layer of dust to accumulate on every place that’s vertical and doesn’t move. Our dust is actually superfine dirt - it’s brown, dry and totally [...]

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a Photo Radar tip

by Chris Butterworth March 24, 2009 General Musings

Watch your speed, but PLEASE DON’T STOP!
The cameras are scattered across the Phoenix freeways, and stand as a constant reminder to watch your speed.  However, they don’t flash their lights and snap your picture unless you are going 11 miles per hour over the posted speed limit.

For all the public outcry over the cameras [...]

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Surprise! The PhoenixAgents on Channel 3 News

by Heather March 21, 2009 Foreclosures / Short Sales

On Monday last week, The Phoenix Agents appeared on a segment of local news Channel 3’s nine o’clock news. Channel 3 picked up on a trend of booming volume in resales in the Phoenix suburb Surprise, Arizona, especially in ZIP code 85379.
Click here to watch a web video of the the news broadcast.  Click here [...]

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The Foreclosure Effect

by Chris Butterworth March 19, 2009 Market Analysis & Stats

Our current sales level is not too much different from 2002; it’s the makeup of the market which is different - significantly different!
I took a look at the banks’ involvement in the market, pulling all closed sales of Single Family Residence (detached homes) in Maricopa County from January 1 - February 28 in 2002 and [...]

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Fed Funds Rate Unchanged

by Heather March 18, 2009 In The News

The Fed leaves short term interest rates alone and announces they’ll purchase more mortgage-backed securities and longer-term Treasury securities.

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Moving Stills 54 - Desert Moon at Dusk

by Chris Butterworth March 17, 2009 Photoblogging

I was watching the sun set and the moon rise at the same time the other evening while driving on Loop 101, and felt compelled to take a picture of the full moon against the McDowell Mountains in Scottsdale.  What I learned is that night photography is more difficult, and I still have a lot [...]

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Spring Blooms

by Chris Butterworth March 16, 2009 General Musings

This is a great time of year to be a Phoenician - warm days, cool nights, blue skies, and brilliant color everywhere you look.  Our desert vegetation is blooming, exploding in pink, purple, orange, red, yellow, and white.  I don’t often stop to smell roses, but I do make it a point to slow down [...]

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