Below is an artcle I wrote back in September of 08 to NAR. Facts or fiction with a little humor, hard to tell sometimes. The proposed government bailout right now stands at almost $900 Billion and will hit over a trillion before it is over. This bailout is being sold as a way to keep the Wall Street meltdown from affecting Main Street. News Flash it affected main street over a year ago. " Housing sells down, Record foreclosure market, nobody buying, China and Russia form an investment group to buy the United States and first investors are the 5 largest companies in America. What legislators seem to be unaware of is that the current crisis affects americans not congressmen and there in lies the problems. Here are my observations and predictions so far (as many of you know I have not bee... 05/30/2009

Plan on relocating to Pensacola, NAS Pensacola ? Search the entire Pensacola MLS, get great advice on purchasing, tips on finding the best deals, and set up a search criteria which will give your email alerts when a new home hits the market! .. How about info regarding the $8000 tax credit?.....All of this and more at one Website! http://www.toby-moore.com Not all real estate agents are the same ....... Don't take my word for it, spend ONE MOMENT reading my past customer testimonials at http://www.toby-moore.com in the agent profile section. Again, search all the MLS listings there and get other links and tips to buying.... for free! I offer NO pressure, professional assistance to the most important purchase you'll ever make. People are judged by their performance, not their promises. G... 05/29/2009

Victoria Luhring wrote a great blog on Pricing Your Home to Sell click for more info. By clicking the link toward the bottom of her post you will be carried to more general information on pricing. What I wanted to chat about, is the pricing of Pensacola Homes specifically. Here in Pensacola we have lot of tract homes, luxury homes as well as many homes from one spectrum to the other. I recently went on a listing appointment where the customer had used a popular website that helps folks price their homes unfortunately whoever put the site together doesn't live here. She used a home with her street and Pensacola Beach has the same street but as one can guess, you would price a home on the west side of Pensacola the same as a home Pensacola Beach. This happens alot here. Also when pricing ... 05/28/2009

It is tough out there. All sorts of weird things going on! Buyers asking for closing cost...correction DEMANDING  closing cost. Sellers not wanting to pay for traditional seller cost like surveys. Title companies not requiring surveys.........it's just weird. When a seller is having to pay 4, 5, or 6 thousand dollars in closing cost he is not readily going to pay for those things we are used to having them pay without a peep. Every hundred dollars that sellers can save is a victory in their mind and adds to that bottom line they always thought they would be able to expect. And careful how you write that offer .....words count today more than ever. Recently we went round in circles because a Realtor used the verbiage " swings." My clients version of that same object  was Fort and Jungle ... 05/28/2009

Unless you have lived under a rock you have heard about the Real Estate market and how bad it has gotten. If you are one of the many homeowners that have found yourself in this situation then keep reading there is hope. Here are two options for you and with our help we can get you through, with none to minium damage. Charles Stallions Real Estate Services 800-309-3414 has two experienced Loan Modifications and Short Sale Experts. No we didn't take the 4 hour course, we took the many years of actually doing the work and getting the job done. Believe this if nothing else, I will either help you or guide you in the right direction but I will always be upfront and honest. One thing I have learned and earned in my many years in business is that everything is really yes or no. There is no gra... 05/26/2009

It is Memorial Day in beautiful Pensacola, Florida, it is a time to remember the fallen soldiers. It is said time and time again that "ALL GAVE SOME AND SOME GAVE ALL". Having had an uncle, a brother, cousin, grandparent and friends that have been in every war, since at least the Civil War that I have found out as I am sure most have. I cannot comprehend let alone describe how these people felt or their families for that matter and will not even try to. I know that I choke up at the mention of a fallen soldier or even hearing of it on the news. I have listened to the stories during the years and how some of my kin describe what it was like. Today I will take my girls to the Wall South, Vietnam Memorial and World War II Memorial to have a BBQ and celebrate what this day is and should be ... 05/25/2009

Buying home in Pensacola? Searching ALL Pensacola listings for your next home...... Need to ask a professional some real estate questions? Want info on the $8000 tax credit?.....All of this at one Website! http://www.toby-moore.com Not all real estate agents are the same ....... Don't take my word for it, spend ONE MOMENT reading my past customer testimonials at http://www.toby-moore.com in the agent profile section. Again, search all the MLS listings there and get other links and tips to buying.... for free! Whether your searching for a new or 'pre-occupied' home, don't make a mistake on the most important purchase you will ever make! I offer NO pressure, professional assistance to the most important purchase you'll ever make. People are judged by their performance, not their promises.... 05/25/2009

How often do you get a great listing with super nice folks and then on top of that they refer their best friends to you and you list their home as well? And what are the chances that the second would be just as nice as the first. We struck the Jack Pot, these four people were designer clients !Plus both homes sold quickly.....and one of the couples bought in the subdivision we are site managers.....Tamrell Forest ! I put those couples through STAGING HELL !  ( See the Staging Nazi in previous post !) But never was there more than a raised eye brow.Nothing but eagerness and good nature even when one familywas sick with the Flu! Through Migraine Headaches...always yes you can show our home ! Despite the obvious Realtor related adulation of having perfect clients.... these were simply nice... 05/24/2009

Pensacola Investor has four homes to sell. 2 to 4 bedrooms with 2 baths starting at $75000. Homes have been completely renovated with new appliances, flooring and upgrades found mostly in New Homes in Pensacola Florida. Perfect starter homes, retirees or Military Relocation.   Click Here to view Foreclosed homes, Short Sales, New Homes and Vacant lots for building on.   _________________________________________________________________________________________________________________________________________   THOUSANDS OF HOMES.... One Address www.charlesstallions.com Looking for a home to rent, sell or buy in Pensacola Florida, Pace Florida and Gulf Breeze Florida. E-mail charles@charlesstallions.com foreclosures, short sales homes for sale or rent.   Charles Stallions Real Estate Servic... 05/23/2009

Call Charles Stallions Real Estate Services for a list of current and soon to be foreclosed homes. Please click here to narrow down the list by bedrooms and Price. Also for a current list of Short Sales click here or simply go to www.charlesstallions.com to see available homes in the Pensacola, Florida Area including Pace, Milton, Gulf Breeze and Navarre. If think Life is a Beach then you will love Pensacola Beach, Perdido Key or Navarre Beach by clicking here. Not quite ready to buy, we have you covered there as well. Take a look at avaiable Rentals in all shapes and sizes.   _________________________________________________________________________________________________________________________________________   THOUSANDS OF HOMES.... One Address www.charlesstallions.com Looking for a... 05/22/2009

As you may have noticed from a few of my post. The wife and kids went out of town a few weeks back. So while they were gone I decided to do a serious spring cleaning. I boxed up everything from the attic that we have not touched for years in the past. I went through all my kids stuff like stuffed animals videos, and clothes I hadn't seen them in in years. Then came the wife's stuff (but we want tell her), clothes and OMG the shoes and wound up with over 15 boxes of stufffffff. I called the cleaning crew in on Monday to clean from top to bottom. I told them to haul all these boxes off as well. Little did I know that one of the neighborhood kids ask the maid if they could have the boxes for a yard sell they were going to have in a couple of weeks. The house was spotless and the wife was v... 05/20/2009

I have kept an attorney on retainer for all three of our companies for five years at $1000. per year and have never had to use them. A young man I met at a Real Estate luncheon told me he could provide that service and identity theft protection for around $400. a year through some company called Pre paid legal for less than half that. Has anyone heard of them and do you think I should switch. Please comment and let me know if you have dealt with them.   _________________________________________________________________________________________________________________________________________   THOUSANDS OF HOMES.... One Address www.charlesstallions.com Looking for a home to rent, sell or buy in Pensacola Florida, Pace Florida and Gulf Breeze Florida. E-mail charles@charlesstallions.com for... 05/20/2009

April 2, 2009   CMPA Board of Directors PO Box 12910 Pensacola, FL 32521   RE: DRAFT DEVELOPMENT AGREEMENT   CMPA Board Members:   This is truly an exciting time for the City of Pensacola. After years of preparation, we are almost ready to begin construction of the Maritime Park. Thank you for your commitment to negotiating an agreement which meets the goals of CMPA, yet maintains fiscal responsibility.   The most recent Draft Development Agreement, issued on March 13, 2009 is a vast improvement over the initial draft, issued on November 26, 2008, and I am grateful to everyone who played a role in negotiating these changes. While I am pleased with these improvements, I believe there is one section in the agreement which could be dangerous for the City of Pensacola.   On page twenty thre... 05/19/2009

January 16, 2009   CMPA Board of Directors PO Box 12910 Pensacola, FL 32521   RE: DRAFT DEVELOPMENT AGREEMENT   CMPA Board Members:   I appreciate your decision to delay the vote on this development agreement. It seems clear that more changes need to be made to this agreement and I think we can agree it is more important to do this project right than to do it fast.   In order to evaluate this draft agreement properly, I believe you have to look back at this Board's original intent as to how this project should be developed. As you are probably aware, two approaches can be used while utilizing a developer to help create this park. Option one is the Master Developer approach, which requires the developer to take on the risk and obligation to develop the private parcels. Option two is the ... 05/19/2009

November 12, 2008   CMPA Board of Directors PO Box 12910 Pensacola, FL 32521   RE: DEVELOPER TERM SHEET   CMPA Board Members,   I am sometimes conflicted about writing letters to this Board because doing so has resulted in some local individuals holding the opinion that I am anti-park.  I believe several of the CMPA Board members are struggling with a similar problem. Basically, there is a desire to negotiate a good deal for CMPA and the City of Pensacola with a Master Developer for the creation of the Maritime Park, but there is a fear that unless a number of incentives are given to the Master Developer, negotiations may break down and the Master Developer may walk. This prospect is especially troubling to those that seem to equate the creation of the Maritime Park with the selection o... 05/19/2009

Since I wrote my last post, ACLU vs Pace High School I have tried to look into the ACLU better know as the (Anti Christian Liberties Union). Adolf Hitler once was quoted as saying " To over throw a country all one needs is for busy people to be too busy and idle people to stay idle". This was when he was trying to start his own political group later he would decide it was better to infiltrate one that was already recognized by the government. Have you ever read some of the stories of Adolph Hitler, it can be an eye opener. In the 30s and 40s Hitler created the SS for the purpose of disposing of Russia in part because of the Versailles treaty. Later it would be used to try to rid the world of what Hitler referred to the imperfect people including the handicapped and retarded as well as J... 05/18/2009

Buying home in Pensacola, NAS Pensacola, Corry Station areas? Searching ALL Pensacola listings for your next home...... Need to ask a professional some real estate questions? Want info on the $8000 tax credit?.....All of this at one Website! http://www.toby-moore.com Not all real estate agents are the same ....... Don't take my word for it, spend ONE MOMENT reading my past customer testimonials at http://www.toby-moore.com in the agent profile section. Again, search all the MLS listings there and get other links and tips to buying.... for free! I offer NO pressure, professional assistance to the most important purchase you'll ever make. People are judged by their performance, not their promises. God Bless, Toby Moore ><> NAS Pensacola Realtor cell 850-572-8025 http://www.toby-moore.com ... 05/18/2009

There is no way to guarantee a "smooth" path from an approved contract to the settlement table, but doing your part is at least half the job. Expect minor problems and delays along the way. On the seller's side, title problems are a common cause of postponed settlements. On your side, bureaucratic snags such as extensive credit checks and slow appraisals can bog things down. In many cases, there isn't much you or the seller can do but wait. While you're waiting for completion of all the processes now in motion, you should: Apply for homeowners insurance on your new home. Get an exact accounting settlement cost, and make sure the money and necessary documents will be there at closing. Select a date for the final walk-through of the house. Contact utility companies about starting service... 05/16/2009

Despite an excess of loans and lenders, comparison shopping has been eased by the development of computer-loan origination systems and mortgage-reporting services - firms that survey major lenders in metropolitan areas every week or so and publish information sheets on who is offering what loans on what terms. Shop for lenders offering the best deals. Check with several mortgage companies and use one or more reporting services. Rely on your own efforts, lots of telephone calls and possibly some old-fashioned legwork. If there isn't a reporting service covering your area, begin the search at your own bank or savings and loan. Sources of Mortgage Money: Independent Mortgage Companies make just over half of all home mortgages, including most VA-guaranteed and FHA-insured loans. Savings In... 05/16/2009

The Neighborhood Yard sale time is nearing please contact us for free booths, tables and signage. This springs theme will be "Back to the Good Ole Days". The Antique Car Show will be from 10 to 2, there will be BBQ plates and a Fish Fry raising funds for their church. The Fish Fry will be at Lunch and Dinner while the BBQ will be only at lunch. We hope to beat last years numbers which were totaled at 2015 registered guest. Again there will be the Red, White and Blue Teams along with the yellow team from Charles Stallions Real Estate Services. The Team raising the most money for their charity will get to keep the "Kick Butt" trophy at there business till the Fall Festival. Good Luck and please come out and attend this Semi-Annual event in Pensacola, Florida Location- Charles Stallions Re... 05/16/2009