Daily Intent

Jeffrey Bochsler

Northwest born and raised (easy going and openess); The Bay Area educated (Jesuit based learning); Spanish engaged (emotions and love); Santa Barbara balanced (work and play). 

My Foundation:

• All Athletics.
• Personal growth and understanding obsessed.
• Pursuit of a common goal inspires and energizes.
• Adventure in action.
• Consistency in daily doings.
• Addiction to daydreaming.
• Attracted to wit and unique ways of seeing the world.
• Meditation is found in rythym and noise (tribal-esque)
• Appreciation for much.
• Freedom in action (sports, dancing, walking).
• Healthy living.

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Prices are down.  It is true.  Home sales are up.  This, too, is true.  And perfectly timed interest rates are down.  Thus, affordability is up 7%.

Despite the often horrific and uneasy headlines, people are buying homes.

Who are the ones buying?  First time home buyers.  Investors.  Internationals.  Each are powered by different motives.

The first time home buyers are witnessing rising rents, have been less affected by the market down turn and loss of long term savings, and new home prices are now actually affordable to them.  They are hungry.  They no longer want to pay someone else’s mortgage.  They want and need the tax advantages.  Moreover, they have time to wait out a down turn until a return to appreciation.

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Last night at 6pm the east side of Santa Barbara’s Riviera fell victim to scorching fires leaving over 100 homes in ruins, 5000 evacuees, and Westmont students contained in their own gymnasium.  It was powerful and spread quickly.

The fire continues on with temperatures in the 80s and high winds looming in the late afternoon.  There was “no expected containment of the fire” as of 10:30am this morning.

Thanks to Schwarzenegger’s emergency call, fire crews from all over the state have responded rapidly to band together with the local forces to bull doze, set lines, clear brush, and contain individual house fires.  Helicopters and planes are working diligently to block the fire from mushrooming up and outwards.

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December 2008 is here!  A month of the great Becky Bochsler’s Birthday.  Holiday parties light up the early daily darkness.  Trees have been lit.  Homes are covered in an assortment of colors.  Food bearing warmth is a plenty.

As the holiday party season presents many opportunities to discuss business, whether welcomed or not, here are some quick thoughts on the auto industry.

Big business.  They are phenomenal in good times as they provide plenty of opportunity for millions.   They  make billions, lead to societal progress, innovativeness and offer a bit of American pride.

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Black Friday awaits us all!  Pocket books are feeling thinner, but our American mindset leads us to still purchase.  Take advantage of the fire sales.  Retailers are suffering.  However, do it smartly, intently.

Here are some quick tips on how to preserve your credit score in the midst of holiday shopping.

As you will see, paying your bills on time is the most important.  It shows you are responsible.  You can borrow and pay it back on time.

And be sure to stay away from opening 5 Nordstrom credit cards just because you want a 10% discount.  These are not strong cards to have on your credit.  They cause inquiries and ultimately end up dormant.

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