• Home
  • About
  • Ways to Contact: 480-463-4062

A Griffith Listing

Real Estate Services by Jon Griffith

You are here: Home / Archives for history

In Response to my Sister’s 5 Topics

March 18, 2012 by admin

My sister may need some counseling, as she has some of the strangest ideas.

I dream of Jeannie executives decided long ago that the general public wasn’t smart enough to realize that blinking actually doesn’t transcend the space-time continuum, yet they persisted in their endeavors and sold millions of dollars worth of advertising.  Strangely, none of the products advertised on the show had anything to do with NASA, even though most of our innovations come from dreamers that dream about science.  It was all magic, Sissy.  She really couldn’t blink men around.

I like your new blankets, but cameras are designed to increase their molecular charge over time, and thank God you didn’t take 7 pictures, as you would have been sucked into a vortex.

Never, ever think about Yoga, let alone a history of journaling about it.  It’s the hardest standing still that one will ever do, and you don’t go anywhere.  You don’t even look like you go anywhere, like on a treadmill.

I was hungry, but then your dog licked you in your mouth.  Imagine what he had just been licking.  Ew!  Not hungry anymore.

On the physics of drilling, to expound upon your idea, I’m not certain why we haven’t just build a tunnel straight through the core of the earth.  You could stand next to the edge and someone malicious could push you in, then when you get to the center, you’d just boing, boing, boing back and forth until you hovered right in the middle, with everyone else who fell in.

Before we send the inmates to the moon, let’s consider placing a 2 foot thick layer of glitter in the moon’s orbit, then before we release the inmates, we would spray them with 3M adhesive spray.  We could call them Moonaments.

Please clarify.  Is ‘chock’ English or Metric?

Filed Under: Hardy Har Har Tagged With: advertising, history, NASA, time

Five Reasons to Avoid Foreclosure

December 26, 2009 by admin

Experiencing foreclosure is an extremely emotional event in one’s life. It ranks in the top 5 most-traumatic things that can happen to an individual. The ramifications of foreclosure reach much further than most people understand. Here are the top five reasons why avoiding foreclosure is the best choice you can make:

Disclosure

For the rest of your life, you will always have to disclose that you have been through a foreclosure.  When you fill out any application that asks whether or not you’ve been through a foreclosure, you’ll find that the only options are YES, or NO.  You will be required to answer truthfully in order to avoid being involved in mortgage fraud.

Credit Score

When your bank repossesses your home, your credit score can drop by 300 points or more.  It takes a long time to repair your credit history, and this will surely knock you into a no-qualify position financially.  Not only that, but it will affect other service providers that you may have, and could affect your future employment.  Some insurance companies check your credit score and use that as a measurement of risk.  Your rates could sky-rocket as a result.  You can be assured that your credit card rates will also be raised the next time your creditors check your credit status.  All of that can be extremely costly down the road.

Permanent

Foreclosure is a permanent event.  You cannot have a foreclosure removed from a credit history report.  In fact, the only information you have have modified on your credit history is data that is considered an error.  All other events will remain on your report for a long time.  A foreclosure will stick with YOU forever, even if it disappears from your report.  You will always be obligated to report it if asked on a legal document.

Security Clearance

If you work in an industry that requires security clearance to do your job, such as the military, or other high level security jobs, you will be at risk of losing that clearance.  In most cases, when people lose their clearance, they lose their job.  Foreclosure can lead you to unemployment.

Job Hunting

There are plenty of companies who run your credit history report when you apply for a job.  If your record is tarnished by a foreclosure, your future employer may consider this when they compare you to another candidate with a clean record.  You want to remain as marketable as you can, so having a foreclosure will impact your ability to find new work.

There is a clear difference between living with foreclosure and moving forward without it.  I can help you prevent it through the process of a short sale.  Contact me today for more information.

  1. For the REST OF YOUR LIFE, you will ALWAYS have to disclose that you have been through a foreclosure when you apply for a mortgage.
  2. Your credit score will drop by up to, and perhaps more than 300 points.  Credit scores are being reviewed by insurance companies and other service providers to assess risk and determine what they’re going to charge you.  In EVERY CASE, a low credit score costs more than NO credit score or a high credit score.
  3. It is virtually impossible to reverse or repair your credit report and the foreclosure will remain on your record for up to 10 years.  Regardless of the length that it remains on your credit report,

Filed Under: Foreclosure, Highlight Reel, Real Estate Basics Tagged With: check, history, service, time

Comparing Consequences: Short Sale and Foreclosure

September 17, 2009 by admin

Challenge:  Buy a primary residence with a loan.

After Forclosure:  Probably not for about 5 to 7 years.
After Short Sale:  More likely 2 years.

Challenge:  Borrow to purchase an investment property.

After Foreclosure:  You’ll be waiting 7 years before you can do this.
After Short Sale:  2 Years and you’re golden.

Challenge:  Borrow money from anyone other than Fannie Mae to purchase a property.

After Foreclosure:  Applications ask if you’ve foreclosed.  By law, you have to disclose.
After Short Sale:  No applications will ask if you have ever sold a house short of what you owe.

Challenge:  Maintain Credit Score

After Foreclosure:  You’ll be affected by 250 to 300 points for roughly 3 years.
After Short Sale:  When you close a short sale, they report the debt as paid for less.  This is not as derogatory as a foreclosure, and may only drop your score by about 50 points for a year to a year and a half.

Speak to a debt expert online to find out which route out of the red is going to be the best one for you to take.

Challenge:  Sparkling clean credit history

After Foreclosure:  This will remain on your credit report for 10 years or more.
After Short Sale:  Not reported.  They do not report “Short Sale” on credit reports.  It will be reported as Paid or Settled.

Challenge:  Get a job in the military or other highly secure position in corporate America.

After Foreclosure:  Not likely.  You blew it dude.  Now you have a history of bailing out.
After Short Sale:  No problem.  Won’t show up on a background check.

Challenge:  Stay employed.

After Foreclosure:  Disclose that you foreclosed on your property and your employer may catch wind of it, which could lead to termination, especially if you’re in a position that is sensitive to the company.
After Short Sale:  Not reported on your credit, so they won’t have a clue.

Challenge:  Get a job.

After Foreclosure:  Employers can check your credit, and challenge your potential employment due to this type of derogatory mark on your history.
After Short Sale:  Not Reported.  You’re hired!

Challenge:  Avoid a deficiency judgment.

After Foreclosure:  If you live in a state that is a non-deficiency state, you may be safe, but if you don’t, you may be on the hook for the difference of what the house brings at auction, and what you originally agreed to pay.
After Short Sale:  No deficiency, depending on the type of loan.  Part of the short sale agreement typically releases you from all liability.

Challenge:  Minimize the amount of the deficiency.

After Foreclosure:  The cost of foreclosure increases the amount you’ll be deficient.  If your home forecloses, you could end up being on the hook for far more than if you sell short.
After Short Sale:  Short sales, unlike bank owned properties, sell closer to market value, thereby minimizing the amount that you would be deficient.

Filed Under: Uncategorized Tagged With: Foreclosure, history, property, short sale

Heart on a Sleeve

January 12, 2009 by admin

I read an article once that explained the origins of the phrase, “He wears his heart on a sleeve.”  I am unable nor patient enough to find the answer, but I recall that it had something to do with advertising availability to a potential mate during a particular time in history.  If I’m correct, it was in medieval times and perhaps was around the time of the black plague…

…do you know the story?  If so, please comment.

Filed Under: Tips and Tricks Tagged With: advertising, Etymology, Featured, heart, heart on a sleeve, history, sleeve, time

For Those Who Don’t Know About History

November 27, 2008 by admin

The following was sent in an email from an unknown author. If you know the author of this post, please let me know so I can site this entry properly

For those who don’t know about history … here is a condensed version:

Humans originally existed as members of small bands of nomadic hunters/gatherers. They lived on deer in the mountains during the summer and would go to the coast and live on fish and lobster in the winter.

The two most important events in all of history were the invention of beer and the invention of the wheel. The wheel was invented to get man to the beer. These were the foundation of modern civilization and together were the catalyst for the splitting of humanity into two distinct subgroups:

1. Liberals
2. Conservatives

Once beer was discovered, it required grain and that was the beginning of agriculture. Neither the glass bottle nor aluminum can were invented yet, so while our early humans were sitting around waiti ng for them to be invented, they just stayed close to the brewery. That’s how villages were formed.

Some men spent their days tracking and killing animals to  B-B-Q at night while they were drinking beer. This was the beginning of what is known as the Conservative movement.

Other men who were weaker and less skilled at hunting learned to live off the Conservatives by showing up for the nightly B-B-Q’s and doing the sewing, fetching, and hair dressing. This was the beginning of the Liberal movement.

Some of these Liberal men eventually evolved into women. The rest became known as girlie-men. Some noteworthy liberal achievements include the domestication of cats, the invention of group therapy, group hugs, and the concept of Democratic voting to decide how to divide the meat and beer that conservatives provided.&n bsp;

Over the years conservatives came to be symbolized by the largest, most powerful land animal on earth, the elephant. Liberals are symbolized by the jackass.

Modern liberals like imported beer (with lime added), but most prefer white wine or imported bottled water. They eat raw fish but like their beef well done. Sushi, tofu, and French food are standard liberal fare. Another interesting evolutionary side note: most of their women have higher testosterone levels than their men. Most social workers, personal injury attorneys, journalists, dreamers in Hollywood and group therapists are liberals. Liberals invented the designated hitter rule because it wasn’t fair to make the pitcher also bat.

Conservatives drink domestic beer, mostly Bud. They eat red meat and still provide for their women. Conservatives are big-game hunters, rodeo cowboys, lumberjacks, construction workers, firemen, medical doctors, police officers, corporate executives, athletes, Marines, airline pilots and generally anyone who works productively. Conservatives who own companies hire other conservatives who want to work for a living.

Liberals produce little or nothing. They like to govern the producers and decide what to do with the production. Liberals believe Europeans are more enlightened than Americans. That is why most of the liberals remained in Europe when conservatives were coming to America . They crept in after the Wild West was tamed and created a business of trying to get more for nothing.

Here ends today’s lesson in world history:

It should be note d that a Liberal may have a momentary urge to angrily respond to the above before forwarding it.

A Conservative will simply laugh and be so convinced of the absolute  truth of this history that it will be forwarded immediately to other true believers and to more liberals just to tick them off.

And there you have it. Let your next action reveal your true self…

Filed Under: Hardy Har Har Tagged With: eat, Europe, history, how to, Wild West, women

Will We Hit 2003 Pricing?

August 23, 2008 by admin

Sampling of a North Phoenix neighborhood sales history.
Sampling of a North Phoenix neighborhood sales history.

It’s hard to say whether or not our market is continuing to correct. I have updated my Market Statistics page this evening and as you can see from the graph below, we are at 2004 pricing. Draw a line from 2001 to our current average sales price today and you’ll see that we’re where we should be. The unrealistic gains are still falling off in certain market areas and people who sell now are still profiting, albeit not nearly as much as they could have.

If you’ll recall, everyone kept saying, “where would you go,” when asked if they should sell back in 2005. Not many people saw that we’d fall back to where we were in 2004. My question for the masses is whether or not we’re going to see an over correction, pushing prices into the 2003 range.

Filed Under: Market Buzz, Market Updates Tagged With: correction, history, market, Market Statistics, price, pricing, Sampling, unrealistic

  • 1
  • 2
  • Next Page »

Archives

  • September 2023
  • April 2022
  • March 2016
  • January 2016
  • December 2015
  • October 2015
  • June 2015
  • May 2015
  • April 2015
  • February 2015
  • January 2015
  • July 2014
  • April 2014
  • March 2014
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • May 2013
  • March 2013
  • February 2013
  • July 2012
  • March 2012
  • December 2011
  • December 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • September 2009
  • August 2009
  • June 2009
  • April 2009
  • March 2009
  • February 2009
  • January 2009
  • December 2008
  • November 2008
  • October 2008
  • September 2008
  • August 2008
  • July 2008
  • June 2008
  • May 2008
  • April 2008
  • March 2008
  • February 2008
  • January 2008
  • December 2007
  • November 2007
  • October 2007
  • September 2007
  • August 2007
  • July 2007
  • April 2007
  • March 2007
  • November 2006
  • August 2006
  • June 2006
  • September 2005
  • August 2005

Test

  • About
  • Affordability Calculator
  • Arizona Department of Real Estate Buyer Advisory
    • Additional Information
    • Common Documents a Buyer Should Review
      • Affidavit of Disclosure
      • County Assessors/Tax Records
      • Covenants, Conditions and Restrictions (“CC&R’s”)
      • HOA Disclosures
      • Home Warranty Policy
      • Homeowner’s Association (“HOA”) Governing Documents
      • Lead Based Paint Addendum
      • Loan Documents
      • MLS Printout
      • Professional Home Inspection Report
      • Purchase Contract
      • Seller’s Property Disclosure Statement (“SPDS”)
      • Termites and Other Wood Destroying Insects and Organisms
      • The Subdivision Public Report
      • Title Report or Title Commitment
    • Common Physical Conditions in the Property a Buyer Should Investigate
      • #206 (no title)
      • Deaths and Felonies on the Property
      • Endangered and Threatened Species
      • Flood Plain Status
      • Indoor Environmental Concerns
      • Insurance (Claims History)
      • Other Property Conditions
      • Pests
      • Previous Fire/Flood
      • Property Boundaries
      • Repairs and New Construction
      • Roof
      • Septic and Other On-Site Wastewater Treatment Facilities
      • Sewer
      • Square Footage
      • Swimming Pools and Spas
      • Water/Well Issues
    • Conditions Affecting the Area Surrounding the Property the Buyer Should Investigate
      • City Profile Report
      • Crime Statistics
      • Electromagnetic Fields
      • Environmental Concerns
      • Forested Areas
      • Freeway Construction and Traffic Conditions
      • Military and Public Airports
      • Schools
      • Sex Offenders
      • Superfund Sites
      • Zoning/Planning/Neighborhood Services
    • Other Methods to Obtain Information About a Property
  • Blog
  • Days Inventory
  • Downloads
  • Downloads
  • Frequently Asked Questions
  • Greater Coronado Historic
  • Hiring the Right Agent
  • Home
  • Homepage
  • Homes We’ve Sold
  • How do Real Estate Agents get Paid?
  • jongriffith
  • Link Sharing
  • LOST on ABC Season 4 Finale Poetry Party
  • LOST Season 5 Premiere Poems
  • Market Statistics
    • Market Data for All of ARMLS
  • Mashup
  • MLS Search
  • Mortgage Calculator
  • My Account
  • My Account
  • My Listings
  • My Listings
  • NextDoor Neighborhood Report
  • No Access
  • Obtaining a New Loan
  • On Fitness
  • On Money
  • On Music
  • On Nutrition
  • On Real Estate
  • On Real Estate
  • On Triathlons
  • Online Store
  • Outdoor Living
    • Phoenix Area Hiking and Cycling Trails
  • Page Full of Miscellaneous Things
  • Products Page
    • Transaction Results
    • Verify your Order
    • Your Account
  • Properties
  • Purchase Contract
  • Questions
  • Questions
  • Rates
  • Request a Showing
  • Sample Documents
  • School Matters
  • Schools
    • Arizona AIMS Testing
  • Scottsdale Listings
  • Scottsdale Listings
  • Search Results
  • Sell A Home
    • Marketing Strategy
  • Sell Our House
  • Seller’s Market
  • Selling Short
  • Services
  • Setting the Right Price
  • Shop
  • Shop Product List
  • Short Sale Seller Advisory
    • Before Proceeding With A Short Sale
    • What is a Short Sale?
  • Site Introduction
  • Social Stream
  • Supply and Demand: X Marks the Spot
  • Test
  • Testimonial
  • Testimonials
  • TEsting
  • Testing Full Page
  • Thank You!
  • Thanks!
  • The Creativity of LOST Addicts
  • The Dry Rub
  • The Purchase Contract
  • The Volleygirls Shenanigans
  • Thoughts on Postmate Tips
  • Title
  • Understanding Pool Barrier Laws
  • Videos
  • Ways to Contact
  • Website Consulting
  • Website Hosting Sign-Up
  • Websites for REALTORS
  • What is a Buyer’s Agent?
  • What is a Listing Agent?
  • What is a Real Estate Agent?
  • What is a REALTOR?
  • What Is Entrecard?
  • What’s YOUR Home Worth?
  • Why Use a REALTOR?
  • Work
  • Worship Songs
  • Your Home’s Value

Copyright © 2025 · AgentPress Pro Theme on Genesis Framework · WordPress · Log in