This is the reason why I spend Christmas in Puerto Rico.
I think it is one of the greatest places to spend the Christmas Holidays and CNN revealed it too. It is a long Holiday which starts by Thanksgiving when we put all decorations out and we take them off at the end of January after Las Fiestas de la Calle San Sebastian.
http://www.cnn.com/2008/TRAVEL/getaways/11/28/christmas.destinations/index.html
Monday, December 8, 2008
Tuesday, December 2, 2008
Florida Bankers & Credit Unions Suspend Foreclosures
Crist, Fla. banks halt foreclosures for 45 days
TALLAHASSEE, Fla. – Dec. 2, 2008 – Florida’s bankers and credit unions announced Monday that they’d suspend foreclosing on homeowners for the next 45 days.
Gov. Charlie Crist called a press conference to announce the halt in foreclosures, but neither he nor the president of the Florida Bankers Association, Alex Sanchez, could say how many people this could help.
The halt in foreclosures, however, wouldn’t help the 444,000 property owners who are in the process of being foreclosed upon. Florida has the third-highest foreclosure rate in the nation. Crist, who said last week that he would consider issuing an executive order halting foreclosures, said this moratorium would only cover homeowners with a homesteaded property who need the help.
“This is to help people in a time of need,” Crist said. “This is not for somebody who went and bought a bunch of condos in South Florida on the spec market.”
Sanchez thanked the governor for his “compassionate leadership at this time” but suggested that, with or without Crist, Florida banks planned to halt foreclosures anyway because they don’t want to get saddled with too much property or too much bad debt.
Sanchez said Crist’s Monday announcement was “a reaffirmation of our past practice and current practice.”
Sanchez said those who need help need to contact their banker, have no involvement with mortgage fraud and be willing to enter into a re-payment plan.
Crist also announced that the Department of Community Affairs will soon have $541 million for mortgage assistance and other financial aid for local governments that put together a plan to help homeowners in foreclosure. It includes $91 million for direct housing assistance. For more information, he urged people to go to www.floridahousing.org and www.dca.state.fl.us.
The housing-and-wage advocacy group ACORN called for more action from Crist and the banks.
“While we eagerly await more details, recent history has shown that voluntary measures have fallen fall short of addressing the enormity of the foreclosure crisis Florida faces,” ACORN organizer Paul Griffin said in a written statement. “We appreciate that the industry has delayed the crisis but now they need to help us solve it.”
Orlando Democratic state Rep. Scott Randolph, whose wife is an ACORN organizer, found greater fault with the proposal, saying in a written statement that “what they have offered Floridians is not relief, but rather vague promises made by unspecified lenders. Forty-five days is not a long enough moratorium; it doesn’t include those families already in foreclosures; and today’s press conference left Floridians wondering if their bank is even included in the offer.”
Copyright © 2008 The Miami Herald, Marc Caputo. Distributed by McClatchy-Tribune Information Services.
TALLAHASSEE, Fla. – Dec. 2, 2008 – Florida’s bankers and credit unions announced Monday that they’d suspend foreclosing on homeowners for the next 45 days.
Gov. Charlie Crist called a press conference to announce the halt in foreclosures, but neither he nor the president of the Florida Bankers Association, Alex Sanchez, could say how many people this could help.
The halt in foreclosures, however, wouldn’t help the 444,000 property owners who are in the process of being foreclosed upon. Florida has the third-highest foreclosure rate in the nation. Crist, who said last week that he would consider issuing an executive order halting foreclosures, said this moratorium would only cover homeowners with a homesteaded property who need the help.
“This is to help people in a time of need,” Crist said. “This is not for somebody who went and bought a bunch of condos in South Florida on the spec market.”
Sanchez thanked the governor for his “compassionate leadership at this time” but suggested that, with or without Crist, Florida banks planned to halt foreclosures anyway because they don’t want to get saddled with too much property or too much bad debt.
Sanchez said Crist’s Monday announcement was “a reaffirmation of our past practice and current practice.”
Sanchez said those who need help need to contact their banker, have no involvement with mortgage fraud and be willing to enter into a re-payment plan.
Crist also announced that the Department of Community Affairs will soon have $541 million for mortgage assistance and other financial aid for local governments that put together a plan to help homeowners in foreclosure. It includes $91 million for direct housing assistance. For more information, he urged people to go to www.floridahousing.org and www.dca.state.fl.us.
The housing-and-wage advocacy group ACORN called for more action from Crist and the banks.
“While we eagerly await more details, recent history has shown that voluntary measures have fallen fall short of addressing the enormity of the foreclosure crisis Florida faces,” ACORN organizer Paul Griffin said in a written statement. “We appreciate that the industry has delayed the crisis but now they need to help us solve it.”
Orlando Democratic state Rep. Scott Randolph, whose wife is an ACORN organizer, found greater fault with the proposal, saying in a written statement that “what they have offered Floridians is not relief, but rather vague promises made by unspecified lenders. Forty-five days is not a long enough moratorium; it doesn’t include those families already in foreclosures; and today’s press conference left Floridians wondering if their bank is even included in the offer.”
Copyright © 2008 The Miami Herald, Marc Caputo. Distributed by McClatchy-Tribune Information Services.
Monday, December 1, 2008
Happy Holidays
Warm Wishes This Holiday Season!
This time of year always makes me stop and think about what is important in life. It forces me to stop and count my blessings. It gives me pause to think about the world as I'd like it to be. And it gives me the opportunity to send greetings of hope and joy.
We can make this world a better place. This Holiday Season, I look to all of my friends and family for inspiration to do more.
And from our family to yours, we wish you Happy Holidays.
Jose Fernandez
Monday, November 24, 2008
I am from an Island
Once the Holiday Season passes, I promise to update my blog with relevant Real Estate info because, that is the intent of this blog.
For now, today, I must tell you that I am from the Isla del Encanto, (The Isle of Enchantment) where warm weather, ocean breezes and sunshine rule. But, for the last week I have been travelling to cold weather places and although I enjoy the sights, sounds, people and new experiences, I am sorely lacking cold weather clothes and shoes.
The hip(?) clothes and shoes from my adopted city of Miami, Florida are just not cutting it and I long for those silly toe socks.
Tuesday, March 4, 2008
The Sky is Falling and The Little Red Hen
If all I do is listen to the radio, read the newspaper headlines, and
watch the news taking to heart what the media says then I just might
as well shout out "The Sky is Falling!" and abandon my profession
which I enjoy tremendously. I love providing exceptional customer
service and see the joy it brings a renter, landlord, buyer or seller
when the services I have provided culminates in just the right
property at just the right time and of course at the right price.
Sure, there is money and finances involved also, I can't do this just
for fun.
However, everything that is going around transported me to the
childhood fabel of Chicken Little shouting THE SKY IS FALLING. . .
and then the realization and recollection of another fable "The
Little Red Hen".
I will continue to work diligently and professionaly in my field
providing the absolute best service to my customers and in the end
just like THE LITTLE RED HEN, I will have a loaf of bread to eat.
Call me: 305-761-0801
watch the news taking to heart what the media says then I just might
as well shout out "The Sky is Falling!" and abandon my profession
which I enjoy tremendously. I love providing exceptional customer
service and see the joy it brings a renter, landlord, buyer or seller
when the services I have provided culminates in just the right
property at just the right time and of course at the right price.
Sure, there is money and finances involved also, I can't do this just
for fun.
However, everything that is going around transported me to the
childhood fabel of Chicken Little shouting THE SKY IS FALLING. . .
and then the realization and recollection of another fable "The
Little Red Hen".
I will continue to work diligently and professionaly in my field
providing the absolute best service to my customers and in the end
just like THE LITTLE RED HEN, I will have a loaf of bread to eat.
Call me: 305-761-0801
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