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Published in: on December 27, 2010 at 4:56 pm  Leave a Comment  

December Housing Scorecard Shows Continued Home Affordability

RISMEDIA, December 27, 2010—The U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of the Treasury released the December edition of the Obama Administration’s Housing Scorecard. The latest housing figures show continued home affordability in the housing market, with interest rates near record lows, but the market remains fragile, as prices are unsettled. Foreclosure starts and completions dropped significantly in November, as lenders review internal servicing procedures. The housing scorecard is a comprehensive report on the nation’s housing market.

“The Obama Administration’s broad set of programs have helped promote stability for the housing market, neighborhoods, and the nation’s homeowners, but there is much more work to be done,” said HUD Assistant Secretary Raphael Bostic. “Since taking office in 2009, the Administration’s efforts have helped millions of families stay in their homes and helped millions more refinance, but the data clearly show that the market remains extremely fragile. That’s why we’re continuing to focus on successfully implementing the programs we’ve put in place—such as additional refinancing assistance and emergency loans to help unemployed homeowners—and ensuring that help is available to homeowners as early as possible.”

“While much work remains to be done to help families that have been hurt by this crisis, the Administration’s programs have benefitted many homeowners directly while setting standards for the entire industry,” said acting Assistant Secretary for Financial Stability Tim Massad. “This is a major reason why there have been more than twice as many modifications and other foreclosure alternatives as foreclosure completions since April 2009.”

The December Housing Scorecard features key data on the health of the housing market including:

-Foreclosure starts and completions dropped significantly in November. As lenders review internal procedures related to foreclosure processing, many foreclosure actions have been delayed, leading to a 21% drop in foreclosure activity in November. While this is the biggest month over month decrease since 2005, the decline is likely to be temporary as lenders eventually revise and resubmit foreclosure paperwork in the coming months.

-As expected with the expiration of the Home Buyer Tax Credit, new and existing home sales have remained below levels seen in the first half of 2010. However, this month’s report also shows that home prices and home equity declined moderately, as prices remain unsettled at this fragile stage of the recovery.

-More than 3.9 million mortgage aid offers were initiated between April 2009 and the end of October 2010—more than double the number of foreclosure completions during that time. These actions included over 1.4 million Home Affordable Modification Program (HAMP) trial modification starts, more than 600,000 Federal Housing Administration (FHA) loss mitigation and early delinquency interventions, and nearly 1.8 million proprietary modifications under HOPE Now. While some homeowners may have received help from more than one program, the number of agreements offered were more than double the number of foreclosure completions for the same period (1.7 million).

Data in the scorecard also show that the recovery in the housing market continues to remain fragile. While the recovery will take place over time, the Administration remains committed to its efforts to prevent avoidable foreclosures and stabilize the housing market.

Althea Garner
Preferred Realty Executives (Florida and California)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

2010 a ‘Challenging’ Year With Slowly Improving Economy

ORLANDO, Fla. – Dec. 21, 2010 – The state of the economy remains the top story of 2010, and many of this year’s real estate issues relate to the recovery’s ups and downs. Here’s a recap of this year’s top real estate stories, as determined by editors of Florida Realtors’ News:

Amendment 4: We came, we saw, we conquered
Amendment 4’s defeat at the ballot box in November gave Florida Realtors a stunning victory. The group that introduced the amendment hoped it would short circuit state growth management laws, but it would have done so with a sledgehammer. Had Amendment 4 passed, it would have burdened the courts with a series of lawsuits, and convinced companies to steer clear of The Sunshine State because it was anti-business and anti-growth. At the state level, Florida Realtors fought hard in partnership with The “Vote No on 4” coalition; at the grassroots level, Realtors called lawmakers, posted signs, and explained the reasons to vote no on 4 to neighbors and clients.

We see a light at the end of the tunnelThe real estate market is cyclical and will once again thrive – but when? In 2010, more than supply and demand influenced the market. Each time the market received a bit of good news, something happened. Tax credits ended, banks pulled back on lending and foreclosures stopped closing. But signs continue to point to a stabilizing and slowly improving economy. The market remains solid if not stellar, and most economists predict a positive trend in 2011.

Going, going, gone – homebuyer tax credit
To boost home sales and bolster the economy, Congress created a first-time homebuyer tax credit and extended it three times, tinkering with the rules each time. But the final tax credit – which included more than just first-time buyers – drew to a close on April 30, 2010, for clients under contract. (Note: Military buyers still qualify.) Florida saw a groundswell of signed contracts in April but a drop-off by mid-summer as interested shoppers hurried to take advantage of the contract deadline. By the end of 2010, however, falling home prices and record-low interest rates made homebuying a bargain even without the tax credit, and the Florida housing sector seemed to be tentatively and warily stabilizing.

Florida Open House Weekend – A celebration of homebuyingAs the homebuyer tax credit drew to a close, Florida Realtors introduced the state’s first-ever “Florida Open House Weekend” to highlight all the buying opportunities from Pensacola to Key West, and as a way to help potential buyers sign a contract early enough to take advantage of the homebuyer tax credit. More than 15,000 houses opened their doors to buyers in the largest single open house event across the state, and the largest open housing event of the year.

Those robo-signing, disorganized lenders made mistakesAs the number of foreclosures grew, Realtors took them on and turned them into business opportunities. However, sales in some cities ground to a halt for awhile as more people facing a foreclosure asked a simple question: Who owns my mortgage? As the inner workings of some lenders unraveled, the public found out that banks blindly signed foreclosure docs, called a pseudo-mortgage owner (MERS – Mortgage Electronic Registration Systems) the mortgage owner, and turned a blind eye to legitimate complaints, such as “I don’t have a mortgage on my house – I don’t even have a checking account with you.” Paperwork problems cancelled or delayed a number of closings in the fall of 2010, and some buyer’s agents who specialized in foreclosures found their business at a standstill. By the end of 2010, the paperwork problem seemed mostly resolved, but as more foreclosures roll onto the market, 2011 could hold a few more surprises.

Don’t touch our sugar sand beachesThe economy and lending problems hit Florida real estate sales with a one-two punch, but an environmental disaster kicked the sector when it was down. An oil rig owned by BP exploded on April 10, 2010, and it took three months to cap the flow. In the meantime, millions of gallons of oil tainted the Gulf, with some of it ending up as tar balls on Florida’s famous sugar sand beaches. Eventually BP ceded control of damage payouts to the federal government. As part of that package, Florida Realtors convinced the fund administrator, Kenneth Feinberg, that Realtors’ livelihoods were hurt and, along with other Gulf states, received control of a special fund to reimburse Realtors in Florida who suffered a business loss.

Little interest in mortgage interest deduction?By the end of 2010, a philosophical shift started to occur among U.S. lawmakers. The highest branches of government started to question the value of homeownership for Americans. Many thought the federal push to put as many people as possible into a home – done in part by tax incentives – played a role in the economic slowdown and housing collapse. However, the U.S. tax structure rewards homeownership by allowing taxpayers to deduct mortgage interest paid as well as property taxes – a reward for homeowners. Should that benefit be dropped? Does it even work? Only a handful of people propose a complete negation of the benefit, but expect a fight to water it down heading into 2011, with a tax credit for second homeowners and equity lines of credit in the crosshairs.

© 2010 Florida Realtors®

Althea Garner
Preferred Realty Executives (Florida and California)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.houseofhomesonline@gmail.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

New listing ~ 2B/2b home in Fort Pierce, FL just $97,000
http://ping.fm/wzwWC

Published in: on December 21, 2010 at 2:08 pm  Leave a Comment  

Foreclosure Update

For the second month in a row, foreclosure activity was impacted by voluntary foreclosure suspensions, after certain practices commonly used during the foreclosure process were called into question. While initially limited to judicial foreclosure states, the so-called robo-signing controversy began impacting foreclosures in non-judicial states, including those in our coverage area in early October.

Foreclosure starts were down across the board in November, ranging from a 9.3 percent month-over-month decline in California to a staggering 31.7 percent decline in Washington. Despite the fact that robo-signing was not directly tied to foreclosure filings in non-judicial foreclosure states, foreclosure starts in our coverage area have dropped 25.5 percent since the controversy began.

Foreclosure sales continued to be impacted by robo-signing related foreclosure suspensions more directly, as Ally (GMAC), Bank of America and PNC all halted foreclosure sales nationwide, contributing to a 38.7 percent drop in foreclosure sales over the last two months within our coverage are. In November, foreclosure sales dropped the most dramatically in Washington, after having seen little impact in October; while California had the least dramatic decline with a drop of 9.0 percent. After having had the largest impact on foreclosure sales, Bank of America slowly began foreclosing again the week of December 6th. Their return will likely lead back to normal foreclosure levels in the months to come.

“Since September 2008 the foreclosure process has seen significant bottlenecks, first due to government intervention and now lender ineptitude,” says Sean O’Toole, CEO and Founder of ForeclosureRadar.com. “Unfortunately the resulting delays will only serve to extend the time it takes to recover and return to a normal housing market.”

Arizona
Continuing downward, Notice of Trustee Sale filings dropped 24.4 percent from October to November, reaching their lowest level since March 2008. The holidays, and issues around the robo-signing controversy, likely contributed to the significant drop. Foreclosure sales were down 14.8 percent from October to November, following a 26.9 percent decline the prior month resulting in the lowest number of sales since September 2009.
View all Arizona stats by state, county, city or ZIP

California
Foreclosure activity slowed across the board in California. Notice of Default filings dipped 9.3 percent month over month, while Notice of Trustee filings declined a mere 1.0 percent from October. Cancellations of foreclosure sales dropped 8.5 percent in November, down 54 percent from their peak in June, likely due in part to the failure of the Administration’s Home Affordable Modification Program (HAMP) to help California homeowners. Foreclosure sales are down by 9.0 percent from October, though sales to 3rd parties increased by 7.8 percent.
View all California stats by state, county, city or ZIP

Nevada
Foreclosure activity in Nevada dropped dramatically over the past two months. Foreclosure sales are down 22.1 percent from October to November, and 50.5 percent from September. Notice of default filings are also down for the second month in a row, dropping 12.7 percent from October, and 24.3 percent from September. Clearly, Nevada foreclosure activity was impacted not only by the holidays, but also by the robo-signing controversy.
View all Nevada stats by state, county, city or ZIP

Oregon
Oregon’s Notice of Default filings and Notice of Trustee Sale filings dropped for the third consecutive month, reaching their lowest point since Q4 2008. Notice of Default filings declined 25.0 percent from October to November, and Notice of Trustee Sale filings dropped 21.2 percent. Foreclosure sales declined 26.7 percent in November, and have dropped 54.3 percent since September. After a four month decline, cancellations of foreclosure sales increased 34.8 percent from October.
View all Oregon stats by state, county, city or ZIP

Washington
While Washington showed little impact from the robo-signing controversy in October, foreclosure activity dropped substantially in November. Notice of Trustee Sale filings dropped 31.7 percent from October, but are still up 16.2 percent from a year earlier. Similarly, foreclosure sales dropped 38.1 percent from October but are up 29.3 percent from November 2009.
View all Washington stats by state, county, city or ZIP

Althea Garner
Preferred Realty Executives (Florida and California)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

How Agents View Open House Guests

I had occasion to visit an Open House in my area recently and asked the agent what kind of traffic she had. “Um, mostly ‘Lookey Lou’s,” she hissed.

Most agents break down their visitors according to prospective business, with ‘Lookey Lou’s and neighbors being at the bottom of the list and they walk away resolving to contact only those who said that they were in the market to buy in the near future. What? Neighbors don’t have friends and relatives they’d like to have living close by? When these ‘prime’ prospects don’t react immediately, or don’t result in an immediate sale, these agents drop them from their list and never contact them again.

In my experience, comments like these come from agents who resent having to do Open Houses, because it cuts into their weekend and naturally, this reflects on their return of invested time. As an agent, I try to visit Open Houses not only because it enables me to see what is on the market in my area but also to support fellow agents, but I too, fall into that disappointing category of ‘Lookey Lou’s and therefore I don’t count!

The biggest single mistake that agents make is that they don’t maintain contact with prospective buyers. After all, today’s ‘Lookey Lou’s could be tomorrow’s buyers – or sellers, as circumstances change and buyers affordability may increase.

I started looking for a home in 1998 prior to getting my real estate license, but I only bought in 2000. It took me that long to save for the deposit and to really understand the market of my new chosen city, but the agents I encountered in 1998 had not kept in touch with me and needless to say, did not benefit from my purchase. Indeed, the agent that took me out, showed me properties that didn’t suit me, until I picked up a flyer from the house next door to one on his list. This house had 7 bedrooms – we only needed 4; it had 4 bathrooms – we only needed 2 and the price was about $50,000 more than we wanted to pay. The agent didn’t miss a beat! He knocked on the door and requested a showing. We were ‘Lookey Lou’s – we had NO intention of buying that property, but by the time we had walked through the house, I knew that it was our dream home and, filled with trepidation, we put in an offer! I was shocked when our offer was accepted, and terrified too, because the purchase required additional funds for the deposit which I did not have. In the 42 days it took to close the sale, I worked double shifts and offered my clients a 10% discount if they paid their account immediately and in doing so, I raised the last of the funds in time.

Working in real estate requires patience and understanding – it’s not about instant gratification and agents who rely on clients who are ready NOW, set themselves up for failure. Open House and working on the weekend is part of the job and agents who chose this as a career need to understand that in real estate, our schedule is not 9-5. Real estate is different…. we work when others play, which is most weekends and public holidays and our appointment times are often in the evenings.

The next time you are at an Open House, watch the faces of the visitors as they enter the property and you’ll see the look that asks: ‘Is this going to be an angry agent, or one that I’d like to do business with?’ and then ask yourself why so few prospects like to leave their contact information at Open Houses!

Althea Garner
Preferred Realty Executives (Florida and California)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

Last week in the (real estate) news

Retail sales fell 0.6% for the week ending November 20, according to the ICSC-Goldman Sachs index. On a year-over-year basis, retailers saw sales increase 2.8%.

Gross domestic product — the total output of goods and services produced in the U.S. — increased at an annual rate of 2.5% in the third quarter of 2010. This follows a 1.7% pace of growth in the second quarter of 2010.

Existing home sales fell 2.2% in October to a seasonally adjusted annual rate of 4.43 million units from 4.53 million units in September. The inventory of unsold homes on the market declined 3.4% to 3.86 million, a 10.5-month supply at the current sales pace, down from a revised 10.6-month supply in September.

The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending November 19 rose 2.1%. Refinancing applications decreased 1%. Purchase volume rose 14.4%.

Orders for durable goods — items expected to last three or more years — fell 3.3% in October after increasing an upwardly revised 5% in September. Excluding volatile transportation-related goods, orders posted a monthly decrease of 2.7%.

New home sales fell 8.1% in October to a seasonally adjusted annual rate of 283,000 units from a rate of 307,000 units in September. Economists had expected a pace of 314,000 units.

Initial claims for unemployment benefits fell by 34,000 to 407,000 for the week ending November 20. That’s the lowest level since July 2008. Continuing claims for the week ending November 13 fell by 142,000 to 4.18 million.

All that said, we are in full swing of buying season in Florida, and we have experienced greater buyer activity this year, over 2009.

Althea Garner
Preferred Realty Executives (Florida and California)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

The HGTV award winning ‘Green’ Home attracted many buyers today – 2 people interested in writing offers!

Published in: on October 23, 2010 at 1:53 pm  Leave a Comment  

Florida Governor

I have just finished watching the gubernatorial debate on TV. Here is my post on Rick Scott’s web site: (Rick Scott has several websites that do not allow comment – this was the ONLY one that allowed comment – we wonder why!)

Sir:

I have just finished watching your debate against opponent Alex Sink and to be quite honest, I don’t know who is worse…. you or her!

Number one: Your body language is appalling and you falter with every statement. This does not foster confidence in your voters. Neither of you have confidence in what you are feeding the voters and this leads me to believe that BOTH of you are simply currying favor with the voters, only to feed your own egos after elections!

Number two: You did not answer A SINGLE QUESTION! All you did was to attempt to discredit your opponent. Now don’t get me wrong ~ I am not convinced that she is the right choice either but by gosh…. you did a great job of playing right into her hands with your hell-bound mission to bring out every single infraction in her career! If you are so religious (as you claim to be), then you will respect the notion that they crucified the last perfect person!

Number 3… and more to my point: You blatantly state that you will reduce unemployment. Exactly how do you plan to do that, Sir? What is your plan as this was never addressed in the debate? And BTW… I expect a tangible answer to this question – in detail – not the waffling and evasion that you employed on television.

As a REALTOR(R) in both California and Florida, having suffered through the bad decisions and laws passed by government which has simply taken us from a bad economy to a WORSE economy, I would like to know what you plan to do to resolve the distress sale issues that we have in this State.

How strong will you be in representing the distressed owners against government officials and representatives who are so far removed from the problem, as to not care about it. PLEASE tell me that you do NOT favor a bank bailout because I cannot see why banks should receive funding – they are the ONLY ones making money out of this recession and the ONLY ones that have not had to make any sacrifices.

What do you plan to do about the banks who are grossly overcharging customers to the point where homeowners have no alternative BUT to go into foreclosure?

What do you plan to do about banks that encourage homeowners to stop paying their mortgages while they assess a loan modification, only to foreclose on them for non-payment of their loan?

What do you plan to do about fraudulent charges that banks bring to their customers, that they cannot reverse, due to the change in dispute law?

What will you do to combat the inflated appraisals that banks obtain through THEIR appraisal companies (at listing), which are then low-balled at a later stage (after sale), so that banks can sue to get the appraisers insurance money and put them out of business?

Education in this country, but moreso in this State is a JOKE! I have no faith in the next generation of so-called leaders, who have been schooled and graded, not on merit, but graduated on multiple choice question papers, marked by teachers who fear their students.

Oh…. and what would you do about curbing government spending on unnecessary staffing? Government – Federal, State and local – is fraught with staff that spend 20 years with nothing to do only to draw healthy government retirement plans (yes, I have known a few)! Are you prepared to CUT those members of staff to save tax payers money? And while we’re talking about it, how much clout DO you have? … Do tax payers REALLY have to foot the bill for past Presidents and other Officials, to live out their lives on pensions to the standard that they have BECOME ACCUSTOMED TO, when the taxpayer can’t afford their own retirement?

I have SO MANY QUESTIONS that I, my collegaues and our clients have brought forth, that this post could never be long enough. If you could answer just 1% of these questions satisfactorily, you might be successful in getting my vote – although I very much doubt it, because I am of the opinion that you have not thought further than the day of elections.

Furthermore, you state that with regard to marriage between homosexuals (that was how the question was put to you), is concerned, you believe that marriage is a state that exists between a man and a woman. You said this TWICE! Are you aware that gay people do not wish to live in Florida BECAUSE of that archaic belief? Because they KNOW that GOVERNMENT opposes same sex relationships? Are you aware that this drachonian belief is the very reason that our State is not more prosperous than it is now? If you believe that this is what your Bible says, then, Sir…. why do you shave your head? There was a time when Biblical law provided that men should not cut hair/shave their heads OR their faces! I mean…. if you are going to take the Bible at the very meaning of the letter, then please, Sir, do so in entirety – don’t pick and choose according to what suits you at the time. If, however, you are progressive enough to shave your face and shave your balding head, wear a red tie (which, incidentally was ALSO not dictated by your Bible), then at least have the progressive nature to allow the same courtesy to others! Live and let live!

Oh, and incidentally, I am a US Citizen who was once an immigrant. Secure our borders? What a stupid statement! Have you ANY idea how many THOUSANDS of miles constitute our borders (hint: look at a map of the US… um… Google?)? Clearly you have NO idea what this issue involves! Believe me, having come through the process of what took me 25 years at a cost of over $100,000, you cannot teach me anything about the immigration laws that I don’t already know and which NEED REVISING! You, Sir, have never been an immigrant, know nothing of the process and cannot even begin to understand how to improve the situation!

Please understand that I have not yet made a decision as to who I will vote for, but vote I will! I will not vote for a party – I will vote for the BEST person for the job, but help me out here…… at least give me A LITTLE SOMETHING to work with!

(I came to this country with the intention of having a beneficial input into the lives of the people – I will not be silenced when so much needs attention! I have no doubt that this post will never air on this site, so I am posting it on other sites, so that the people of Florida may be better informed).

Althea Garner
REALTOR (R) MBA, MCI, e-Pro
Exit Beach Cities Realty (California)
Preferred Realty Executives (Florida)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.HouseOfHomesOnline.com

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):
Education Vice Chair – 2009

REALTORS(R) Association of Saint Lucie
Vice Chair, Global Business – 2011

Hormone Replacement Therapy and Cancer

Most of my blogs are about or connected to the real estate world, in some way shape or form, but when I saw this news article today, I felt compelled to take a different direction:

ABC News ~ Combination hormone therapy linked to breast cancer deaths

You see, for many years, I have believed that the US is killing its people!

Prior to coming to the US, I lived in Africa and was happy, healthy and of normal weight. Within the first 8 months of being in the US, I lost 54 lbs and finally, when I collapsed, my son begged me to stop eating meat – ‘Just for a little while’, he pleaded. For two years, my diet was completely meat-free (not vegetarian) and surprisingly, I gained in both strength and weight. Then I gradually reintroduced meat into my diet and now 15 years later, I am overweight!

My initial massive weight loss was caused by an allergic reaction to hormones injected into food-producing animals, intended to raise the meat-to-bone ratio, so that the food industry may get a better return on sales. Continued ingestion of these hormones, increases the meat-to-bone ratio in people, resulting in weight gain and osteoporosis – both of which are conditions that are epidemic in the US!

Is it any wonder why the US is overweight? With a society of people eating cheap fast food, which is heavily laden with hormone-filled meat, deep-fried in cholesterol-increasing oil and pumped full of salt (for taste) and preservatives, we should not be surprised at the death toll! But this menu is encouraged because it supports the pharmaceutical industry, which churns out billions of dollars in pills prescribed for the health issues caused by ‘affordable’ meals!

The indoctrination starts at a very young age, with parents taking their children to fast food outlets for breakfast and entertainment. It follows them through their school years as parents provide children with lunch money – two fast food burgers quell hunger pangs better than one over-priced salad. You only have to witness the road verges, where students get off the bus – go ahead…. just count the fast food containers that litter your suburb on a daily basis!

Doctors are too quick to prescribe chemical drugs for simple disorders, many of which create more issues than they are intended to cure. A colleague recently commented “So you’re a Lipitor survivor, are you?” … it was only when I stopped taking Lipitor for high cholesterol, that I realized how sick it had made me and how extremely well I felt without it!

In an attempt to control the rising population, women are encouraged to take birth control pills – hormones. Then, when they reach menopause and all its debilitating effects, doctors are quick to provide relief in the form of hormone replacement therapy. When my doctor suggested HRT for my frequent and extremely uncomfortable hot flashes, I declined, suspecting that there might be a link between hormones and breast cancer and since my sister had lost a breast to the disease, I believed that I needed to be cautious.

Is there any way to get away from hormones and chemical cures? And is it any wonder why cancer deaths are so frighteningly high? There is no medical confirmation of this, but I wouldn’t be a bit surprised if one day soon, we are informed that there is a link between chemical drugs and Alzheimer’s disease!

Is it remotely possible that the US is killing its people in an attempt to boost the pharmaceutical industry?


Althea GarnerREALTOR (R) MBA, MCI, e-Pro
Exit Beach Cities Realty (California)
Preferred Realty Executives (Florida)
Your House Of Homes Online
DRE 01516817
772-626-1768

Search over 50,000 listings at my web site:

http://www.HouseOfHomesOnline.com

http://www.isellpslhomes.com

Women’s Council of REALTORS(R):
President-Elect – 2011 (Saint Lucie County)
VP Membership – 2010 (South Orange County)
Treasurer – 2008 (Coastal-West)
Webmaster – 2009 (Long Beach)
Editor – 2009 (Long Beach)
Education Committee – 2009 (California State)

Orange County Association of REALTORS(R):Education Vice Chair – 2009

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