The Feng Shui Office
More Getting Started Solutions

Excerpted from Feng Shui Dos & Taboos,by Angi Ma Wong.

Here are 13 tips for the do’s and taboos of feng shui office design, with more available in Feng Shui Dos & Taboos
http://www.care2.com/channels/solutions/home/144

Bay Model
http://www.spn.usace.army.mil/bmvc/bmjourney/who_we_are/hours.html

Winter Hours
(Labor Day thru Memorial Day)
Tuesday – Saturday 9am-4pm
Sundays & Mondays & Holidays Closed

Summer Hours:

(Memorial Day thru Labor Day)
Tuesday – Friday 9am-4pm
Saturday –Sunday 10am-5pm
Mondays & Some Holidays Closed

Open Memorial Day & Labor Day
Closed July 4th

Always call ahead to confirm Holiday hours.
(415) 332-3871

The Myths and Fables of Estate Planning
CPA2Biz - Katherine Ohlandt
How you can debunk your clients’ misconceptions about estate planning.

Don’t Worry About a Thing, Dear - Why Women Need Financial Intimacy
Financial Intimacy - Helga Hayse
http://www.financialintimacy.com/

This book explodes many of the myths about marriage and money and brings you closer to financial intimacy. “Don’t Worry about a Thing, Dear” is your guide for practicing financially safe marriage. You’ll learn, step by step, how to protect yourself against the financial challenges you will face if your marriage ends.

Big List of Free Budgeting Tools and Software
A resource of free budgeting tools. Try a few. Get some ideas. Make your own. The important thing is to find something that works for you.
MyMoneyBlog
http://www.mymoneyblog.com

California’s recent cold snap will likely result in $1 billion damage to citrus and produce crops, putting some 13,000 farm workers - mostly undocumented, out of work. Big news. However, behind the scenes is the quiet unraveling of another growth industry - housing speculation and mortgage fraud.

mortgage fraud … one of those little illegal real estate things everyone does

Mortgage fraud — the worst crime no one’s heard of
SF Chronicle
Others have already been convicted of securities fraud and other con schemes. They’re professionals.”

$80 million federal grand jury case involving more than 100 homes in Indiana. Also, last year, one of the largest property owners in Buffalo, N.Y., was convicted of perpetrating a $4 million fraud-for-profit scheme, sentenced to a year in prison and slapped with a $1.5 million fine.

The New York Times has reported on the precipitous rise in mortgage fraud, quoting the FBI that lenders lost an estimated $1 billion last year, double the previous year’s estimate, from mortgage fraud.

Rachel Dollar, a Santa Rosa attorney representing institutional clients in mortgage-fraud cases and the creator of MortgageFraudBlog.com provides plenty of details. While there are lots of small fry being caught, there are some bigger fish as well.

• Southern California Woman Sues Investment Group Alleging Mortgage Fraud (Temecula, California)
  over 400 investors in “Jovane-realted fraud schemes” and that each “‘owns’ at least several properties with individuals loans values of $550,000-$800,000”. The complaint estimates the fraud value to be in the hundreds of millions.
  
  
• Unlicensed DC Appraiser Sentenced for His Role in Flip Scheme
  … sentenced to 46 months in prison, ordered to pay restitution in the amount of $5,045,460 and was also placed on three years of supervised release following his release from prison.

  [It isn’t clear how this guy is going to come up with the $5m restitution money, so that’s proabaly a write-off]

And then there are the folks who are publicly discussing their misdeeds, lik real estate “investor” Casey Serin, of www.iamfacingforeclosure.com

snapshot of the situation from foreclosure.com
Last update: 01/26/07 10:12 PM
Foreclosures: 145,532
Preforeclosures: 203,585
Bankruptcies: 421,852
FSBOs: 21,708
Tax Liens: 606,585
LIVE AUCTIONS: 16
Total Listings: 1,399,278

Learn more…

MortgageFraudBlog.com

www.iamfacingforeclosure.com

Mortgage Professor’s Web Site - Mortgage Advice and Counsel
http://mtgprofessor.com/
Jack M. Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania, and founder of GHR Systems, Inc., a mortgage technology company.