The following is an index of articles published on the first tuesday Online Journal during the last 12 months.

These are my latest 481 posts in the category "Journal Articles" (and subcategories):
- Here’s to 2012: a first tuesday realty forecast
- The Top 30 Brokers in CA by Number Employed: 2011
- Market Charts: Real Estate Brokers and Agents
- Reeling from California’s lack of jobs
- Migratory lockdown: underwater homeowners confined
- Why real estate won’t save us this time
- The due-on time bomb
- Inking the handshake: the significance of a written employment agreement
- Taming animal spirits in client buy-sell behavior
- The morality of strategic default: businesses vs. homeowners
- Inheriting debt: taking title subject to a mortgage
- Why Boomers will still retire after the boom
- The homeownership confidence shift
- December 2011 LWs
- Blueprints for future construction
- Know your limitations, don’t be SOL
- Wealth from other nations: foreign investments in California real estate
- Factors in construction forecasting
- Damage control: restoring public trust in real estate professionals
- HARP 2.0: bringing band-aids to a war zone
- Surprise: Frannie says “no thank you” to cramdowns
- As time passes, stale claims crumble away
- Failure to submit all offers: a reportable offense
- Age and education in the golden state
- The distribution of California’s human resources
- The equilibrium trendline: the mean-price anchor
- Some pocket cash for your shortsale?
- You’re sure you’re a shortsale specialist?
- How to facilitate a shortsale transaction
- Market Charts: Interest Rates Affecting Real Estate Transactions
- Boomers bust open doors to real estate investment era
- Real estate licensees and the unauthorized practice of law
- Raising the bar of real estate advice
- Debating for the underwater and underemployed
- Rentiers and debtors: why can’t they get along?
- Solar energy simplified, a SAVE for everyone
- The burden of structural pest control
- Kickbacks: the end of an opulent era
- Real estate recovery and SBA 504 loans
- Homeownership: a piggy bank investment
- July Article of the Month: The license disclosure myth
- Jobs are scarce whether or not you can sell your home
- Nobody’s home: California residential vacancy rates
- Boomers retire, and California trembles
- The fate of suburbia
- From city to suburbia then back
- Strategic default smarts
- The rocky roads: recession and financial crisis
- The license disclosure myth
- Golden state population trends
- One long, grueling summer for California’s recovery
- Subsidizing the American dream
- Suspect behavior: why and how the Fed creates a recession
- May Article of the Month: first tuesday Forms-on-CD Version 4.3 – your professional toolbox
- Short sale or foreclosure? The naked truth for underwater homeowners
- first tuesday Forms-on-CD Version 4.3 – your professional toolbox
- Americans dream for a home on unstable ground
- The due-on-sale clause: barricading homeowners since ‘82
- Bargaining for justice: arbitration and the loss of judicial review
- The home mortgage tax deduction: inducing debt and stifling mobility
- Secured credit lines: insurance, or trap?
- March 2011 Forms
- Interstate real estate brokerage
- Carryback arrangements facilitate a sale, Part II
- Immigration’s impact on the housing market
- Energy mortgages: monthly savings take you from red to green
- Holmes v. Summer: dilatory disclosures and the damage done
- Mortgage modification showdown: Interest rate reductions v. Principal cramdowns
- Is homeownership a luxury or a necessity?
- How to make money as an endorsed, registered, law-abiding RESPA mortgage loan broker
- The demographics forging California’s real estate market: a study of forthcoming trends and opportunities – Part I
- The truth is in the numbers: government sponsored entities acquire fewer risky loans
- Deflation’s push on the real estate recovery
- The era of the financially illiterate homebuyer
- The LTV tipping point: when negative equity owners are most likely to strategically default
- The private owner auction niche and licensees: Part II
- Current Market Charts
- The private owner auction niche and licensees: Part I
- Residential tenants, foreclosure and possession
- Energy-efficiency in the home: Not just for hippies
- Speculations on speculator suppression
- Tips for developing a successful FARMing campaign
- Endorsement requirements for RESPA mortgage brokers
- The Natural Hazard Disclosure Statement (NHD): included in marketing packages to create transparency and attract buyers
- The true costs of a default-insured mortgage
- Falling mortgage rates and housing demand
- Renting vs. buying: the GRM
- The FICO score delusion
- Cal-HAMP: how $700 million of federal aid is proposed to be allocated in California
- Agency duties: the flipper’s quandary
- Rent skimming by buyers within the first year
- Looking through the window towards recovery: a real estate paradigm shift – Part II
- The plight of California to be solved by… cities?
- Looking through the window towards recovery: a real estate paradigm shift – Part I
- Cleaning up after the ruptured housing bubble
- New HAMP revisions: mortgage-relief plan version 2.0
- Lenders attempt to lock homeowners into paying on underwater homes
- The underwater homeowner, his future and his agent: a balance sheet reality check – Part II (updated 04-20-10)
- Flipping: contracting to assign or double escrow the resale transaction
- Homebuyer guidance to avoid a denial of credit
- Prices will fall as the supply of housing soars above demand
- The underwater homeowner, his future and his agent: a balance sheet reality check – Part I
- The danger of an ARMs build-up
- Why won’t lenders renegotiate?
- H.R. 4173 and the failed homeownership cramdown amendment
- Due diligence investigations into a trust deed note
- Homebuyer beware: the real estate game lacks fair play
- “To default, or not to default: that is the question.”
- Don’t be caught unprepared: new licensing requirements for mortgage brokers
- Safety disclosures: crime and the prospective buyer
- Now first tuesday books and forms are available on Kindle
- The lender of last resort: understanding the function and methods of the Federal Reserve
- The flat line recovery: a side-effect of sticky housing prices
- Report: the decline in homeownership among the young
- DRE’s failure to oversee its licensees and protect consumers
- California homeowners: exercising your right to default
- The speculative price (dis)advantage: negative equity and the Great Liquidation
- Homeownership and the economy, a dangerous two-way street
- Calculating owner-occupied housing in CPI: a high-stakes and contentious quandary
- The effect of home equity borrowing on the real estate market bust
- Dodging the Fee: Home Loan Assumptions and Prepayment Avoidance
- Market Charts: Demographics of Homeownership
- Unregulated high-risk lending practices: abetting the corruptive competitive advantage
- Let my people go! The mythology of the vanishing California population
- Negative Equity and Foreclosure
- Fear mongers’ inflation prediction unjustifiable
- Regulation Z Revisited: A Timeline
- Preventing the next real estate bubble
- Market Charts Table of Contents
- Reducing foreclosures—seemingly a good thing for everyone
- Price Persistence and Market Illiquidity
- Beware the drastic measures brought on by desperate times
- A realty Black Hole: belief in ever rising prices causes implosion
- Can the timing and strength of future economic recovery be divined from the past?
- Riverside Town Hall Discussion of the Foreclosure Prevention Act (ABX2 7)
- Closed for business? The anti-business mythology of the Golden State
- Future sales and occupancy rates rest on job losses and part-time workers
- The principal residence profit exclusion
- The Home Valuation Code of Conduct
- Finders: a nonlicensee referral service
- Market Charts: The Real Estate Market
- Lender, escrow and referral fees
- The FHA-insured home loan
- Credit after the NOD: the lender’s motivation to re-lend
- A helping hand for negative equities
- Pest control and marketing
- Loan applications initiate the loan process
- “What number do you need to get your deal done?” led to real estate price inflation
- The lending parameters for a real estate broker: licensed and exempt activities
- Lenders vs. owners in 2000-2010: the real estate interest of each
- Square Foot Price Analysis for La Jolla, 92037
- HR1: The American Recovery and Reinvestment Act of 2009
- Loan Modification Negotiations are the Domain of Real Estate Licensees
- To know now what one year forward will bring
- The Taxation of Short Sale Discounts and Foreclosures
- The Return of Square Foot Pricing
- Reassessment and Tax Reduction Assistance Down on the Farm
- Managing Ongoing Agency Conflicts
- Confidentiality of information: by agency or by agreement
- The EP bonding requirement is void until re-legislated
- Affiliated business arrangements
- Mortgages, negative equities, and foreclosures
- Market Volatility Factor: Loans
- Market Volatility Factor: Rents
- November 2008: Letters to the Editor
- Market Volatility Factor: Real Estate Price Speculation
- Market Volatility Factor: Interest Rates
- Market Volatility Factor: Jobs
- The Involuntary Landlords: a guideline for foreclosing lenders
- Obtaining and renewing a corporation license
- Cal-FAIR Insurance
- October 2008: Ten Things Brokers and Agents Should Consider
- HR3221: The Unfortunate Housing Act of 2008
- Price fixing and kickbacks for the sake of earnings
- The reduction of investment risks
- Attornment clauses in nonresidential leases
- Trust deed investment for groups
- The unfortunate Housing Act of 2008 – for sellers and brokers
- Interest imputed on §1031 monies delivered to facilitators
- Two or more depreciation schedules for §1031 replacement properties
- Mediation: best, faster dispute resolution
- Land sales contracts and lease-option sales
- The economics of building permits for new single family residences
- Dangerous on-site and off-site activities
- Vacation homes
- Brokering Cal-32 high-cost loans
- Cal-32 high cost loans
- May 2008 Tax Review
- Regulation Z, Part I
- The movement towards home offices
- Syndicating the equity purchase
- May 2008 DRE Digest
- Short payoffs on loans in foreclosure
- Tobacco Smoke: A New Nuisance for Landlords
- April 2008 Supreme Court Watch
- Conflicts of interest in brokerage
- Carry back sellers, secured or unsecured?
- April 2008 Legislative Watch
- AB 763: Tenant notifications of proposed conversions
- Funds in a failed escrow
- Licensees’ most common enforcement violations
- The elimination of contingencies
- Types of tenancies
- “For Sale” sign regulations
- Intra-family transfers avoid reassessment
- Carryback sellers and all-inclusive trust deeds
- ARMs in foreclosure: a current crisis
- Speculators, Price Movement, and Inventory: what brokers should do to survive the fall
- New laws for California motorists
- The safety clause
- Adjustable rent provisions
- Cancellation, release and waiver
- The FHA-insured home loan
- A fee due on withdrawal or termination
- Reinstatement and redemption periods during foreclosure
- Recovery of residential turnover costs
- Assigning your purchase rights
- A fee due on withdrawal or termination
- Changing terms on a month-to-month tenancy
- Tenant-in-common (TIC) Syndication
- Automatic and declared homesteads
- The breaching buyer’s liabilities during periods of declining prices
- June 2004
- Form Matters: Notice of ‘Supplemental’ Property Tax Bill
- Proof of service
- Late charges and grace periods
- The masked transfer: buyer vs. broker
- The home inspection report
- September 2007 Events
- California Employment
- Due-on-sale regulations
- The unconscionable advantage some investors create
- Form 419 – Balloon payment notices
- The scam behind “nonprofit” downpayment assistance charities
- Disclosures on seller carrybacks
- Home loan interest deductions
- Gaining possession after foreclosure
- Delinquent rent and the 3-day notice
- California housing outlook
- Required disclosures on seller carrybacks
- Grant deed vs quitclaim deed
- Form 426 – Modification of the note
- Declaratory relief prevents more costly litigation
- Accepting partial rent
- Beneficiary’s profits on foreclosure
- The buyer’s deposit and liquidated damages
- Specific performance loan commitments and attorney fees
- June 2007 Events
- Requests for Notice of Default and Notice of Delinquency
- The economics of income property
- May 2007 Events
- Surrender cancels the lease agreement
- Carryback foreclosure and resale costs
- Judicial foreclosure
- Cinco de Mayo
- A carryback note becomes worthless
- Save the planet!
- Forcing co-owners out
- Landlord’s entry during “For Sale” period
- Trustee’s sale procedures, c’td
- April 2007 Events
- Equity sharing co-ownership
- Leasehold improvements
- March 2007 Events
- Clearing a lien-clouded title
- Trustee’s sale procedures
- February 2007 Events
- Have you heard?
- An owner’s residence in foreclosure
- Management of exposure to liability
- Notices to vacate
- Short payoff on recourse and nonrecourse loans
- January 2007 Events
- Encroachments – crossing the line
- Anti-deficiency: past, present, and future
- Selecting suitable investors
- Adjustable rate notes
- December 2006 events
- Christmas around the world
- November 2006 Events
- The turkey
- Have you heard?
- The purchase agreement
- Fee v. leasehold
- Vacation homes
- The EP investor operates without an agent
- A deed-in-lieu of foreclosure
- National Cookie Month
- Have you heard?
- Form 171 – The formal exchange agreement
- Care and maintenance of property
- Trespass: a violation of possession
- Income tax categories
- Opinions with erroneous conclusions
- A deed-in-lieu of foreclosure
- Overview of the LLC
- Understanding real estate law
- Have you heard?
- Form 159 – Income property acquisitions
- Equity purchase investments
- Talk Like A Pirate Day
- September 2006 Events
- August 2006 Events
- Blueberries
- Web Net
- Finder’s Fee Agreement
- Interstate real estate brokerage
- Covenants, conditions, and restrictions
- An installment sale coupled with a §1031
- Seller financing diminishes tax impact
- July 2006 Events
- The Tour de France
- Form 103 – Buyer’s Listing Agreement
- Security to prevent crimes
- Carryback financing in lieu of cash
- Specific performance and new loan commitments
- Verify property disclosures: retain a home inspection
- Form 156 – The equity purchase agreement
- Direct deeding and avoiding receipt
- Research and acquisition of real estate
- Vesting the ownership
- Beneficiary statements and payoff demands on closing
- Quiet title to clear title
- Landlord’s right to enter
- Inflation and taxes
- Formal and subject-to assumptions
- Delivery, acceptance, and validity of deeds
- Form 102 – Exclusive right-to-sell listing
- Security deposits and pre-termination inspections
- Prepayment penalties for tax sake
- Exclusive authorization to locate space
- The real estate exists
- Form 504 – Agent’s income data sheet
- Research and acquisition of real estate for syndication
- The promissory note
- Like-kind §1031 property: real and personal
- Covenants, conditions, and restrictions
- Verify property disclosures: retain a home inspection
- Lease assignments and subleases
- Landlord’s right to enter
- The sales price
- Purchaser’s lien
- HUD advertising guidelines for sales and rentals
- Alternative security devices
- Retaining a real estate attorney
- Form 173-3 – Instruction to Trustee to Fund Acquisition
- Surrender cancels the lease
- The MLS environment
- Agency: authority to represent others
- Declaratory relief prevents more costly litigation
- Form 271 – Interim Occupancy Agreement
- Usury and the private lender
- Interstate real estate brokerage
- Gaining possession after foreclosure
- Document disclosures and alterations
- Quiet title to clear title
- Form 172-3 – Instruction to Trustee to Fund Acquisition
- Tenant estoppel certificates
- Preliminary title reports
- Penalties for misuse of trust funds
- Guarantees: recourse on nonrecourse paper
- Slander of title
- Form 301 – Federal Residency Declaration
- Security to prevent crimes
- HUD advertising guidelines
- Evaluating the carryback note
- Purchaser’s lien
- Form 310 – Seller’s net sheet
- Home Mortgage Disclosure Act
- The home inspection report
- Accepting partial payments after default
- The lis pendens
- Form 102 – The seller’s listing agreement
- Preparatory costs of selling
- Portfolio yields and increasing interest rates
- Americans with Disabilities Act
- Abstract of judgment liens
- Form 314 – Natural Hazard Disclosure Statement
- Wellenkamp to Garn
- Tiered tax rates on profit
- Environmental hazards and annoyances
- The Civil Rights Acts of 1866 and 1870
- Pre-Wellenkamp history
- Notes: variations and uses
- Form 103 – The buyer’s listing agreement
- Equity sharing co-ownership
- Brokerage activities: agent of the agent
- The reverse exchange
- A delay in the §1031 transaction
- Form 575.5 – 3-Day Notice to Perform or Quit (Without Late Charges)
- An owner’s §1031 motivation
- American Jobs Creation Act of 2004
- Form 171 – Exchange Agreement
- Type of tenancies
- Trust deed characteristics
- The real estate exists
- Trespass: a violation of possession
- License to use land
- Grant deed as a mortgage
- Veteran’s Day
- Partial release: lot by lot
- Covenants, conditions, and restrictions
- Conflicts of interest
- September events
- The Star-Spangled Banner
- Tenant profiles
- Interference and termination of easements
- Assignment of rents clause
- August events
- The Olympics
- Working the AITD
- Property related disclosures
- An installment sale coupled with a §1031
- July events
- Fireworks safety
- Reinstatement and redemption periods during foreclosure
- Overview of the LLC
- A delay in the §1031 transaction
- How to enjoy a summer barbecue
- Tree encroachment
- The dumb agent rule
- Direct deeding in delayed §1031 transactions
- The story of Mother’s Day
- U.S. Monetary Policy: An Introduction, Part 4
- The purchase and control of the §1031 replacement property
- The Housing Financial Discrimation Act of 1977
- Nonresidential use-maintenance provisions
- Formal and subject-to assumptions
- U.S. Monetary Policy: An Introduction, Part 3
- The history of taxation in the United States
- Tax scams and schemes
- The right of first refusal
- Installment sale continues after carryback extended
- Alternate security devices
- U.S. Monetary Policy: An Introduction, Part 2
- St. Patrick’s Day
- The revocable title holding trust
- Permitting pets and waterbeds
- §1031, tenants in common and partners
- U.S. Monetary Policy: An Introduction, Part 1
- Trust deed investment for LLCs
- The borrower and loan broker relationship
- Avoiding receipt on a cash-out sale
- Anti-deficiency: past, present, and future
- New Year
- The principal residence profit exclusion
- Government-owned trees
- Delivery, acceptance and validity of deeds
- Conditions not up to current safety standards
- Automatic and declared homesteads
- World celebrations
- Turkey tips
- Thanksgiving
- Resident managers
- Depreciation deductions and recapture
- Balloon payment notices
- Agency confirmation provision
- Halloween safety guidelines
- Research and acquisition of real estate for syndication
- Home loan interest deductions
- Hazard disclosures by the broker
- Arbitration: the independent beast
- Vacation homes
- Trust funds overview
- Time to perform
- Private road maintenance costs
- Civil rights and fair housing laws
- Seniors-only housing
- Home office tax deductions
- Due-on waiver and the carryback seller
- The broker’s use of supervisors
- Verify the seller’s disclosures: retain a home inspector
- Community property
- Fire safety programs
- No downpayment carryback sales
- Landlord’s right to enter
- Broker’s duty to advise on the tax aspects
- Short payoffs on recourse and nonrecourse loans
- Security deposits and pre-termination inspections
- The sales price
- Rent skimming by buyers