Economic woes are just beginning. As I've said, even with any Fed cuts in rates, the banks will continue to raise rates. Rates are as low as they're going to be right now, and as home prices continue to fall, this might be the best time to refinance before we go into a cold, dark economic winter. Representing the remaining lenders in the US; Let's get down to business and secure your estate. California Mortgage Advisors: One of the last wholesale brokers standing. Pat Townsley, Broker. 415-485-1776. www.ptre.net

Politics, Finance, Religion

The trifecta of dinner party taboo topics: Politics, Finance, Religion. Today, it's all that the media and people are talking about unless Dancing With The Stars is on or OJ is back in court or Brad and Angela have a spat, then of course, we must shift focus on to distractive pop culture. Some are saying that the signs of the Apocalypse are upon us, that either candidate is the work of the devil, and that the financial crisis is another indicator of our doom. This certainly covers the trifecta. Here's the deal, here's where the rubber hits the road: WHO CARES? It's all about YOU. It's nice to be able to support others, but right now your focus must be on your bottom line, your family, your security. If you don't take care of yourself, you can't take care of others. So, prepare yourself for dark days ahead. We're going into multiple "winters" right now. Let's look at shoring up your home financing (defensive) and reviewing real estate purchase plans (offensive). Get Crackin'. Let's Talk. Pat Townsley, Team Townsley. 415-485-1776. www.ptre.net