Okay, okay, I know, here we go again.

Baaa Humbug!

Go ScroogeYourself today and send this out to friends and family

this Christmas Season. Some of you have ElfYourself, so this is very similar.

I could not believe it myself, now we have gone too far, laugh out loud!

Give it a try and post your links here and I will put it on this blog for all of us

to see who is the biggest scrooge!

http://www.scroogeyourself.com/?id=1296436650

Scrooge Ernie Cabrera

Scrooge Brad Anderson

Go see another link for Christmas Greetings!

Hey You - Go Elf Yourself - Yes You!

If you have any good jokes, post it at this link:

YOU GOTTA LAUGH

I just came from Brian Buffini's Turning Point Retreat in Sacramento today and one of the main things that struck me was this statement from the "Declaration of Independence".

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.

We live in a great country that promises us the following:

LIFE

LIBERTY

AND THE PURSUIT OF HAPPINESS

We can be whoever we want to be or dare to be!

We have life, liberty, and the pursuit.  Happiness is not guaranteed, just the ability to pursue it!

Brain asked a most excellent question:

HOW DO YOU RATE YOUR PURSUIT FROM 1 TO 10?

That is a great question because it makes you think about how much effort are you really putting into it.

Are you happy with your performance?

What is your motivation to keep moving forward?

What is your "American Dream"?

Give it your all is my advice!

I hope you are at a 10 today!  :o)

Ernie Cabrera

www.rearealtors.com

GO GET IT!

Checkout this clip from the movie "Pursuit of Happiness" with Will Smith:

WHAT WILL YOU CHOOSE?

We currently are in a Buyer's Market and you as a buyer have more choices. The interest rates are low, there is a large inventory to choose from, and the sellers are willing to negotiate almost anything.

What home will you purchase, NEW or a RESALE?

The dazzle of the new, or comfort and value of the old?

RESALE HOME:

A resale home can be better than gold, if it better fits your family needs and you get it for a great better price. The reputation of the community is known and can be predictable.

In some cases Existing Homes typically have more upgrades, landscaped yards, and you usually get more for your money. They are often located in established neighborhoods and have mature trees in addition to what they call, "Character".

NEW HOME:

New homes can be built with your preferences designed in. You usually can select the tile, colors, patterns, and optional upgrades. New homes typically have the latest appliances that are energy-efficient. In addition to that, there is new plumbing and electrical systems in place. They usually have larger spaces with the latest layout designs.

There is less essential maintenance for the home since it is new at least for the first few years. However, the cost of the home usually reflects the added convenience. The community does not have a track record and the future of the area is still to be determined.

Find out what will be a good fit for you.

What will give you the most happiness, comfort and convenience? A new home or an existing one?

You may be in for a surprise about what suits you best. Contact us for a free consultation!

Ernie Cabrera, CEO

REAL ESTATE AMERICA

(916) 439-4663

WWW.REAREALTORS.COM

ernie@rearealtors.com

Have you been wondering, when are we going to hit the bottom of this real estate cycle?

I know I have been. Although I do not believe in fortune telling, I wish there was a crystal ball to tell us when things will change. I have always been told that you can not tell the future of the real estate market. However, we do know that a full real estate cycle is usually around 6-7 year. It is like a roller-coaster ride, it has it's ups and downs. Most of us are on the way down, but are we at the bottom, yet?

Each community is different and it has it's own local real estate market. One statement about the real estate market in general will not fit all markets. In fact what we hear about the National Real Estate Marketdoes not necessarily reflect our local market. "One size does not fit all!" There are some real estate markets right now that are just thriving and the rest hurting.

In Northern California, more specifically, the Sacramento region, the market has been on a down turn for almost 2 years now. Most down turns do not last more then 2 to 3 years. The market here locally has plenty of homes for sale, so it is a Buyer's Market. People have been waiting for the bottom to hit before they buy. People are trying to time the market just right to leap in.

IS IT TIME TO JUMP IN?

So my question to you is, "ARE WE THERE YET?"

Don't worry, "Elfing Yourself" is not a bad thing. I would never tell you to Elf Yourself unless it was a good thing to do. So take your hands off your ears and check this out. It is a fun thing to do when you have time. It is something to pass on to family and friends this Christmas holiday. It is a craz that has been sponsored by OfficeMax the last couple of years as far as I know.

Why don't you spend some quality time with your family and friends this Christmas. It will be fun Elfing Yourselves and making memories together. You can also put a voice message to set the tone of your Christmas Greeting from Elf Yourself. LOL

It has been around for awhile and many have done this before, but have you Elf Yourself, lately?

The Cabrera Family Elfs - Daisy, Danielle, Ernie, & Elle

Click the picture to view the four sides of my Elf Self, LOL!

Special thanks to Brad Anderson who shared this link with me during Thanksgiving. This is the link: The HOLIDAYS go VIRAL! Go check it out.

Why don't you Elf Yourself and post your link as a comment and I will post it on this blog to share with friends and family this year:

Elf Brad Anderson and family

Elf Leslie Bloss

Elf Paul West

Elf Reuben, Matthew, Ernie, & Doug

Elf Sal, Dawn, & Maria

Elf Brian, Adam , Jason , and Paul

Okay, here is another Christmas Greeting link:

Not Again - Scrooge Youself - Baaa Humbug!

If you have any good jokes, post it at this link:

YOU GOTTA LAUGH

Take a look at REAL ESTATE AMERICA's TV Advertisement.

Just click on the link provided:

This is the video that highlights the REA and it is a 30 second spot.

This is a shorter video, a 15 second spot that offers the opportunity to join REA.

This is a very short tag that last 5 seconds and basicly gives the company name and our phone number.

Ernie Cabrera, CEO

REAL ESTATE AMERICA

I wanted to share a press release that just came out today November 20, 2007.  This is big news in California because there has been a steady stream of Foreclosures that have been flooding the real estate market for the last couple of years.  The outlook has also been negative with more foreclosures to come the next few years.

The continued forclosures brings the sales price lower as the REO are sold at rock bottom prices.  Buyers have just been waiting and the lack of sales drives prices down.

California's Foreclosure Rate Twice the National Average

The Governor of California with the cooperation of some of the bigger lenders Countrywide, GMAC, Litton and HomEq has agreed to streamline "fast-track" procedures to help keep more subprime borrowers from losing their homes.  These four companies service more than 25% of the loans that are subprime.

Governor Schwarzenegger said:

"With this type of cooperation from loan services, we can save tens of thousands of people from being added to the foreclosure lists. This common-sense approach does not involve a government subsidy or bailout."  "Borrowers need to do their part too.  If these lenders are willing to meet more than halfway, it's important that consumers don't run when they reach out. It was a two-way street that got us into this mess and it will be a two-way street that gets us out."

11/20/2007   GAAS:922:07   FOR IMMEDIATE RELEASE   Print Version | En Español |

To read the complete press release and to watch video, click link below:

http://gov.ca.gov/index.php?/press-release/8147/

Here Comes the sun

Ernie Cabrera, CEO, REAL ESTATE AMERICA,

ernie@rearealtors.com  (916) 439-4663

WWW.REAREALTORS.COM

I would like to get your feed back on the Governor's Plan:

Will this action help the home owners in California?

Why or Why not?

Have we hit the bottom of this real estate cycle?