Tuesday, January 30, 2007

Little Empty Houses - For You and Me

From Marketwatch - we've now reached an all-time high in overbuilt housing.

'WASHINGTON (MarketWatch) -- The number of vacant homes waiting to be sold surged 34% to 2.1 million at the end of 2006 compared with the end of 2005, by far the fastest increase ever recorded, the Census Bureau reported Monday.

A year ago, 1.57 million homes were vacant and awaiting a sale.

The vacancy rate for owned units jumped to a record 2.7% from 2.0% a year earlier. From 1965 to 2005, the homeowner vacancy rate had never been above 2%. The long-term average is 1.4%.'

So, in laymen's terms, what does this mean for the housing market?

'"We have more than a million housing units of excess supply," said James O'Sullivan, an economist for UBS. "If you are looking for evidence that the worst is over for housing, you're not going to find it in this report. This argues that housing starts need to go down more."'

And some discussion on how this will affect rentals, which will affect inflation.

'Meanwhile, the homeownership rate (the percentage of homes occupied by their owners) was essentially steady at 68.9%, the government said, close to the all-time high of 69.3%.

With so many vacant homes for sale, owners will begin to offer them for rent, said Asha Bangalore, an economist for Northern Trust. If the supply of rentals rises, rental prices should begin to come down, helping to bring down core inflation.'


(thanks to Crazy G)

63 comments:

ft lauderdale said...

I suspect the vacancy rate may be a little understated with all of the "liar's loans" out there all claiming primary residency. Does anyone know if there are there any statistics local rates of vacancy?

CRAZY G said...

""The crack is in the dam supporting the prices, says Crazy"

Rather long story, so you can understand the point, being made....

The builder/developer in our community, started selling 'pre-construction' townhouse prices in early 2005, @$150k....as they came to fruition, he started raising prices to $200k, then to $250k, by the end of the calender year 2005..
After the beginning of the calender year 2006, few if any townhouses were sold period, but that didn't stop the price increases nor building, as he raised prices to $275k, then to $300k on the most recent """UNCOMPLETED"" units standing there unfinished....
He's got 8 left, from the first 60 or so that they built, and 20 more in the uncompleted phase....Of the 60 completed, there are probably another 10 or more for sale by flippers, making total of 18-20 of the 60 for sale, of the completed units....

SSSOOOO!!!! WHAT HAPPENED, you asked????

WELL!! One of the original $150k buyers wanted out, for what ever reason, and listed it months ago, at $250k...IT DIDN'T SELL....dropped the price, by some, then some more....
Recently sold at approximately $205K ""FURNISHED""

WHAT DOES IT ALL MEAN.....WELL CRAZY IS GOING TO TELL YOU, THAT WHEN YOUR IDIOT AGENT DOES A COMPARABLE HOME PRICE ANALYSIS, IT GOING TO SHOW UP $50K TO $100k LESS THAN ""ALL"" THE OTHER ASKING PRICES.....

>>>>""THE CRACK IS IN THE DAMN, AND THE FLOOD GATES ARE NOT GOING TO HOLD THIS ONE BACK<<<<

CRAZY G said...

ADDENDUM THOUGHT TO PREVIOUS POSTING IS THIS:

""Of the 80 or so, townhouse units, that have been built or are in the process of being built, 'nearly' 40 remain on the market...

And prior to this latest sale, there has NOT been another previous sale in 6-9 months...

What's going to happen when.....
You gotta be Crazy to figure that one out!!!

jayz said...

Ft. Lauderdale - I agree with you. Freakin' Florida is most definitely carrying a lot of the weight in those vacancy statistics. In Tampa and Orlando, I've recently seen completed townhome communities with only a handful of units with their lights on at night. We are SO overbuilt.

Wayne said...

"With so many vacant homes for sale, owners will begin to offer them for rent, said Asha Bangalore, an economist for Northern Trust. If the supply of rentals rises, rental prices should begin to come down, helping to bring down core inflation."

This is already happening big-time in Sarasota. In the Laurel Park neighborhood - a charming, historically coveted close-to-downtown neighborhood mostly built in the '20s, with a nice mix of single-family houses, cottages and small apartment buildings - for rent signs are sprouting like hurricane lilies. In a complete reversal from a year ago, for rent signs outnumber for sale signs by about 4 to 1.

I just rented a place in a less charming part of town, vacant since November, in a large, late-to-market condo-conversion project. The monthly rent had come down from $1,200 to $1,000. But if I had wanted to buy the unit I'm renting, the asking price would still be $210,000. So, let me see . . . I can put down a $1,000 security deposit and then pay rent of $1,000 a month . . . or I could put down $13,000 in down-payment and closing costs and then pay about $2,000 monthly for PITI and monthly maintenance. Which do I want to do?

Well, I should buy, of course! Never mind simple mathematical reality or the huge overhang of nearly completed condo towers just now hitting the market. At least that's the word from the Sarasota Association of Realtors, which just launched a "Time2Buy" marketing blitz. See, it's not the market - it's the lying media! The market has actually bottomed! Traffic is picking up! Sellers are getting multiple offers! Better hurry!

zippo said...

Crazy - I feel sorry for the moron who bought that unit for $205K.

(actually, I don't - why can I never tell a lie?)

:^)

zippo said...

Sarasota/Bradenton is the absolute center of the giant real estate zit known as florida that is about to spew nasty pus all over the place.

Nobody here will survive this without a messy face.

Anonymous said...

Dang, brother! That is a nasty picture...but I get your point.

I nominate Palm Beach as the epicenter. It is gettin' fuglier by the day.

Anonymous said...

Can we get a counter or something for the day when it is somewhat safe to buy a house? =P

CRAZY G said...

GOOD time to buy, is when it makes the front page of TIME Magazine, about how really bad it is...

They unknowingly called the top, in 2005, saying how good it was...remember????

CRAZY G said...

Something to note here, that maybe under the radar...

There has been a 'slight' tightening of credit standards, to some degree.....
Something as innoccent, as requiring first time homebuyers to have 5% down instead of 100-115% financing..
YAHH!!! I know, it doesn't seem like a lot, but considering where we've come from, 'just' having somebody to put any money IS a big thing....
""BUT"", what in fact will happen, is when the banks and finance companies finally start eating humble pie, THAT'S WHEN YOU SEE THE CREDIT RESTRICIONS REALLY TIGHTEN....
Within 6 mos or more after those zero down loans collapse, you see the banks head for the hills, with money also!!!

CRAZY G said...

Well, it certainly looks like Gov. Crist, is going to save us all, like somebody said he was going to do 2000 years ago....
His statement at the end of the article gives you an indication of what kind of ""SNEAKY" s.o.b you have as a Governor....

>>>""""It is a balancing test," Crist said, defending his keeping the proposal under wraps to avoid alerting the insurance industry and giving it time to mobilize. "You want to give as much notice as you possibly can without risking the cancellation of policies for innocent Floridians.... Sometimes you can let the industry know too much, and they will take advantage of it."<<<<<<<

EXCUSE ME GOVERNOR, "SIR"...
BUT AREN'T THESE THE GUYS SOME OF US ARE STILL PAYING TO PROTECT OUR HOMES???

AND YOU WANT TO STICK IT TO THEM....YAH!!! RIGHT ON

===================================
Insurance rule suspends policy cancellations

http://www.palmbeachpost.com/business/content/business/epaper/2007/01/31/a4a_crist_0131.html

CRAZY G said...

So, the latest 'caveat emptor' for the real estate buyer, is:

HOW MUCH COMMISSION IS THE REAL ESTATE AGENT GETTING TO PUSH THIS PROPERTY ON YOU?????

In the past, the norm used to be 6%, with some sellers negoitating 3-5% as an alternative....

||||||WELL TRY 10% COMMISSION FOR A REWARD FOR FINDING A SUCKER|||
=================================
>Stephen Bartlett is trying to sell a three-bedroom Lauderhill house with a new roof and kitchen and other upgrades. He's asking $265,000 and recently decided to give the buyer's real estate agent a 10 percent commission.

"I've already had more people call me on that property in the last weeks than I had in the last year," Bartlett said.

Bartlett, a real estate agent, is portfolio manager for CT Capital, a Fort Lauderdale lender and investor. CT Capital acquired the Lauderhill property through foreclosure and is pricing it below market value, he said.

A standard commission is 6 percent, with the buyer's agent and seller's agent each pocketing 3 percent.

But given how slow South Florida's housing market is, sellers should prepare to make huge concessions on price and commission, lest they want the properties to sit unsold for months, he said.

"I think this is going to be the norm from now on," Bartlett said.

http://www.sun-sentinel.com/business/local/sfl-ybrealpo29jan29,0,3968081.column?coll=sfla-business-headlines

jayz said...

10% - WTF?!

My next buyer's agent is soooo screwed. I will have it put in writing that any commision above 3% will go directly to me.

Nice try, jagoffs.

CRAZY G said...

From the other blog;
================================

JPMorgan CEO James Dimon said that the company has sold off most of the mortgage loans it made last year to people with weak credit histories. He said mortgages are the one area of subprime lending where ‘we really see something taking place that looks like a recession.’”

He said in the presentation that ‘loss severities’ in subprime mortgages have started increasing, and that delinquencies of subprime loans originated last year are higher than at a comparable time. JPMorgan boosted its provision for loan losses to $262 million from $158 million a year earlier, due in part to what the bank described as ’some deterioration in subprime mortgage.’”
==================================

Crazy's take on it is:
These guys knew they were loaning money to weak credit risks, but as long as they could cut a commission on the mortgage they took it????? NOW!!! They are dumping those poor mortgage risks onto somebody else.....

P.T. Barnum, was correct...there is a sucker born everyday, 'if' they can get away with it???

sandi said...

What I want to know is, with 2.1 million empty houses, WHO is going to buy them? Illegal aliens? Rich retirees who need 2nd and 3rd homes?

This is quite special.

CRAZY G said...

|||||||""""MARK IN ON YOUR CALENDAR ....JUNE 1 st""""|||||

What 's the big deal with June 1st????

Well, it appears it's one of the dates that the finance industry uses to reset their mortgages....
kinda universal, so they can 'bundle' and sell the mortgages off to some unsuspecting buyer....

Any way, I recently met with my absentee landlord, who owns several flipper homes, and lives up in New England....A couple of his houses are empty, and for sale, or for rent....He told me that he had just talked to the realtor, and 'they' wanted to keep the listing for a longer period....He said "NO", you got till May 1 st...
I couldn't figure out why he was so adament about May 1 st.....
SSOO!!! After he left, I got on my computer, and looked up his properties....
Well!!! This guy has got 'pay-option' mortgages on them...
INTEREST STARTING AT 1%, and reseting every June 1 st....

DO I DETECT A LITTLE PANIC IN THE AIR????

As a side note, to his meeting with the realtor, he told me that the realtor, had ""NO"" sales for the 6 mos leading up to Jan 1 st....And that's with approximately 6 agents under them to boot....Since the first of the year, he said they sold 6.....

SSOO!!! MARK THE DATE JUNE 1 st, ON YOUR MENTAL CALENDAR.....There's going to be something big happening then!!!!

CRAZY G said...

From the article posted here @ Fl Paradise Lost;
===================================
With so many vacant homes for sale, owners will begin to offer them for rent, said Asha Bangalore, an economist for Northern Trust. If the supply of rentals rises, rental prices should begin to come down, helping to bring down core inflation
===================================

WE ARE "ALL" GOING TO BE DRIVING BACKWARDS INTO OUR DREAM HOMES, AS THE RENTS FALL, AND INFLATION SUBSIDES, BASED ON RENTAL PRICES...""NOT HOME PRICE RESALES"" WHICH THE FED USES TO GAGE INFLATION....
""WHEN YOU BUY YOUR DREAM HOME, BESURE THE GARAGE DOOR IS IN THE BACK OF THE HOUSE, SO WHEN YOU DRIVE IN , AND IT'LL BE FACING BACKWARDS""

CRAZY G said...

A REAL FLIPPERS PARADISE APPROACHING WITH ALL THE FORCLOSURES COMING UP!!!!

Read how it's really done, and the angles they play and work at....
It ain't fun or easy....

CAVEAT!!! Don't try this at home!!!
==================================

Foreclosures drive one housing market sector
BY DAN VOORHIS
The Wichita Eagle
house flipping

A small group of scavengers have been able to exploit a knowledge of the law and housing to scratch out a living from housing foreclosures.

It's a small and peculiar slice of the house-flipping market, say participants and lawyers.

But it may be one that grows as more people become distressed. Across the nation, nearly $1.3 trillion in adjustable rate mortgages will reset themselves to higher interest rates this year, according to mortgage agency FreddieMac. A higher rate can add hundreds of dollars to a monthly payment.

A lot of people think they can get into house flipping, but there's no easy money, said attorney Frank Ojile.

"It's fairly easy to get in," he said. "It's how long you survive."

The process starts when a house goes into foreclosure. Ninety percent of the time, the homeowners have so little equity in the house that they just let it go back to the bank without a fuss, lawyers say. But sometimes the homeowner has significant equity, and that's when these flippers go into action.

Foreclosed houses go to a sheriff's auction at 10 a.m. every Wednesday in the basement of the Sedgwick County Courthouse. Ten to 15 regular house flippers show up every week.

Last week, they gathered in the conference room with their lists. They already knew the legal status, condition and appraised value of each house.

Attorneys representing the banks announced how much the banks wanted to end the foreclosure. Nobody bid and meeting was over in 10 minutes.

Then the flippers dashed out the door and raced to the few homes considered to be good deals.

There are between 40 and 60 houses at each auction, but only two or four are considered good deals, attorneys say.

These are good deals because the homeowners have paid down the mortgage. That means the bank wants far less money than the house is worth in resale. That gap is where the flippers make their money.

They go so hard because they want be the first to the house in order to buy the homeowners' redemption rights.

The law gives homeowners at least three months to come up with a payment to the bank. In that time, the homeowner can still sell the house or can live in the house rent-free.

But if a flipper buys their redemption rights -- an offer of a few thousand dollars is typical -- the homeowner forfeits the right to sell the house. They also lose the equity they built up.

Then the flippers fix up the house and put it on the market. If they sell it fast enough, they don't even have to put down much cash.

Too many people think it's easy, said flipper Mark Funk, but the process is complicated and the competition intense.

Funk also objects to the practice of some flippers who don't tell homeowners they may be able to recoup some of their equity.

Some homeowners don't care, he said, but some are just ignorant of their rights.

He and his wife, Robyn Soerries-Funk of Realty One Corp., try to get people in foreclosure to put their houses on the market.

"In this business you have a lot of people who are good," he said, "and some who are unscrupulous and less than honest."

http://www.kansas.com/mld/kansas/business/16614133.htm

CRAZY G said...

Dean Baker, from another Blog, reporting on the empty housing numbers....
================================

Housing Vacancy Rate Hits New Record
This is another one of my preemptive strikes. Perhaps the most under-reported release of economic data is the quarterly data on housing vacancy rates from the Census Bureau. The Census Bureau just released the data for fourth quarter of 2006. This showed the vacancy rate for owner occupied housing hitting 2.7 percent. This is up 50 percent from the 1.8 percent rate of two years ago.

This is big news. The vacancy rate for ownership units has hovered near 1.5 percent for 50 years. It had never previously crossed 2.0 percent. The most recent Census Department estimates means that there are more than 2 million ownership units sitting vacant. In most cases, this means that an owner is paying a mortgage on a home for which they are collecting no rent. Few homeowners can afford to pay a mortgage on a house in which they don’t live for very long.

This record vacancy rate is likely to mean considerably more downward pressure on house sale prices in the months ahead. It will likely mean downward pressure on rents as well, as some vacant units will eventually be put up for rent.

In any case, this release from the Census Bureau is a big deal and the media should take notice.




--Dean Baker
================================

ft lauderdale said...

Report from fort lauderdale, yesterday while driving I was overwhelmed with the number of open houses, literally 2-3 per street in our area, and a lot of activity that looks like people preparing to list, (this week is bulk removal, when you see a lot of old appliances you can almost bet the house will be listed in a month or so) I predict the inventory for Broward is going to take a big jump, I wish I had the time to go into some of the open houses to gauge traffic but judging from the lack of cars near the vacant houses, not too much traffic.

CRAZY G said...

THE WALL STREET JOURNAL MUST HAVE HEARD CRAZY'S RANTINGS:
==================================

Vacant Homes For Sale Cloud Economic Hopes
By Michael Corkery
Word Count: 1,180
Amid brightening hopes that the U.S. housing market is stabilizing, some economists are zeroing in on a piece of data that could augur badly for the consensus view: the homeowner vacancy rate.

That figure, an often-overlooked measure of how many homes for sale in the country are empty, has climbed to its highest level since the Census Bureau began tracking it four decades ago. Last week, the bureau said that in the final three months of 2006 there were about 2.1 million vacant homes for sale.

That brought the national homeowner vacancy rate to 2.7%, up from 2.0% a year ...
=================================

""AUGUR BADLY""....This boy doesn't seem to 'optimistic', like some realtors have been pronouncing....

CRAZY G said...

From the Sun-Sentinel blog;
=================================
patrickfll wrote:
I read that vacancy rate tempered the outlook of builders, but I bet the dumbassed realtors will sing the praises of buying now!
Do not buy now!
++++++++++++++
Don't they always? The fact I found funny is that there are 8000 realtors in Palm Beach County- 600+ sales last month. Given that some of them probably had multiple sales, my guess is that about 400 or less actually made any $$ at all. Is it any wonder they are lying and begging?
=================================

Crazy thinks the realtors gotta be starving....One of the realtors we had been working with admitted to our landlord, they hadn't sold a house in the last 6 mos, of 2006...And that was for the whole company, of 6+ realtors....
In Palm Beach County, having 600+ sales, with 27,000 listings, and 1.25 million people, YOU GOTTA KNOW SOMETHING IS DRASTICALLY WRONG!!!

Kely said...

Hello I want to congratulate to you. This site is fantastic, looks like entertained and very good to me it elaborated. I invite them to that they explore a little on my site of the Web
Our real estate listing includes great opportunities on Costa Rica Central Valley’s provinces such as San Jose, our Capital, with remarkable cities as Escazu at the west, or Curridabat at the east, experiencing a great development on both commercial and residential properties, making their real estate pricing highly attractive to investors; on other hand, Alajuela city gathers places with a very special warm weather such as Grecia, La Garita and Atenas, or beautiful farms for agricultural, cattle or nature preservation purposes as those located on San Carlos or Sarapiqui. We also offer land properties in Guanacaste, which is the province, along with Puntarenas, with the most beautiful tropical beaches on the Pacific Coast such as Tamarindo, Playa Grande, El Coco, Playa Hermosa, Nosara, Samara, Herradura, Jaco, Manuel Antonio, Dominical and Golfito, where the real estate business occupies the first place as the local economic activity.
Great investment opportunity at Costa Rica Pacific Coast, Preconstruction condos in costa rica
Condo sales in costa rica, Retirement property in costa rica. Visit us for more info at: http://www.costa-ricarealestate.com/

Celia said...

This page is fantastic, what you show us is very interesting and important, do you want to see something more? Look: Great investment opportunity in Costa Rica: hotel in jaco beach, jaco beach review, apartment beach jaco rental. Visit us for more info at: http://www.jaco-bay.com/

Diana said...

Inflation is measured as the growth of the money supply in an economy, without a commensurate increase in the supply of goods and services. This results in a rise in the general price level as measured against a standard level of purchasing power. There is a variety of inflation measures in use, related to different price indices, because different prices affect different people. Two widely known indices for which inflation rates are commonly reported are the Consumer Price Index (CPI), which measures nominal consumer prices, and the GDP deflator,sportsbook which measures the nominal prices of goods and services produced by a given country or region.

Mainstream economists' views on the causes of inflation can be broadly divided into two camps: the "monetarists" who believe that monetary effects dominate all others in setting the rate of inflation, and the "Keynesians" who believe that the interaction of money, interest rates and output dominate other effects. Keynesians also tend to add a capital-goods (or asset) price inflation to the standard measure of consumption-goods inflation. Other theories, such as those of the Austrian school of economics, believe that inflation results when central-banking authorities increase the money supply (Monetary inflation).
http://www.enterbet.com

kimberly sayer said...

inflation is a rise in the general level of prices of goods and services in an economy over a period of time.[1] When the price level rises, each unit of currency buys fewer goods and services; consequently, inflation is also an erosion in the purchasing power of moneycosta rica fishing
a loss of real value in the internal medium of exchange and unit of account in the economy.[2][3] A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index (normally the Consumer Price Index) over time.
http://www.fishingcostaricaexperts.com

britney sayers said...

Inflation's effects on an economy are manifold and can be simultaneously positive and negative. Negative effects of inflation include a decrease in the real value of money and other monetary items over time; uncertainty about future inflation may discourage investment and saving,Costa rica toursor may lead to reductions in investment of productive capital and increase savings in non-producing assets. e.g. selling stocks and buying gold.
http://www.kingtours.com

Anonymous said...

台北酒店 酒店兼差 酒店兼職 酒店

Anonymous said...

酒店兼差 酒店兼職 酒店 台北酒店

Anonymous said...

酒店兼職 酒店 台北酒店 酒店兼差

Anonymous said...

酒店 台北酒店 酒店兼差 酒店兼職

Anonymous said...

酒店經紀 酒店打工 酒店工作 酒店上班

Anonymous said...

酒店經紀 酒店打工 酒店工作 酒店上班

Anonymous said...

酒店經紀 酒店打工 酒店工作 酒店上班

Anonymous said...

酒店經紀 酒店打工 酒店工作 酒店上班

Candace said...

Whale Watching Costa Rica

http://www.dominicalcostaricatours.com/

elizabeth bernot said...

Costa Rica Rafting

World Rafting Championships

Frank said...

Hey,
Loving your blog, awesome tips on blog you have here. I
would just like to ask you some questions privately, mindMobile prices In pakistan,IDM Free Download,function venues geelong,la Fitness locations

Anonymous said...

Generallу, they're visuals that will be revised by means of enthusiast combined with listed on numerous comedy internet pages. o To make sure that the funny element remains intact inside your text message, keep that short and simple. There are a few selections of these to choose from on this site too.

Feel free to surf to my webpage ... visit the up coming post

Anonymous said...

Put it someplace where you cannot miss it іf you tried.

Eνerу time уou head to the bathrоom, take
a minute oг two anԁ turn it into yоur
tеmporary persοnаl travel fitness station.

Јuѕt like with thе above dіet tips, you want
to make surе that еach fitness tip уou incoгporate into
your routine is doablе.

my web blog ... sources

Anonymous said...

Helping optimistic people excel - in 7 areas of life is her mission.

The reason this is important is because you will have a stronger knowledge base and bag
of tricks to keep you going on the rougher days.

If the answer is I''''''ll do whatever takes''''''''.


My homepage; http://pt.wiki.simutrans.com/index.php?title=Usuário:CleoConne

Anonymous said...

Ӏ've listened to this a dozen or more times and still find it delightful and sooooo original in concept. Researches have also found the Broccoli also contains necessary enzymes such as myrosinase in it. Thus they can choose from the many available sources.

Feel free to visit my web page ... Latest Daily News
Also see my web page: Latest Daily News

Anonymous said...

Hello to evеry body, itís my first paу a quick visit of this
blog; this weblog carrieѕ awesome and really fine data in support of visitors.


Here іѕ my web page: http://mym8.eu/blogs/123897/758941/struggling-to-adhere-to-a-qualif

Anonymous said...

Hey there! I know this is kinda off topic but I was wondering if you
knew where I could find a captcha plugin for my comment form?
I'm using the same blog platform as yours and I'm having problems finding one?
Thanks a lot!

Feel free to surf to my website - Biotechnology News

Anonymous said...

People are very interested to watch the latest crime news.
What is interesting is that you get to read news and analysis that give you an entirely different perspective, rarely seen in corporate-sponsored media.
"The boys said they'd been out collecting frogs when something approached from the saw grass.

Feel free to visit my blog :: Latest Daily News

Anonymous said...

Helping optimistic people excel - in 7 areas of
life is her mission. If you weigh yourself everyday or every
other day and see that you've gained weight, your motivation may go down and you'll be likely to give up.
Nothing is more motivating than seeing physical proof of results.


My weblog ... fitness tips abs

Anonymous said...

My brother suggested I might like this website. He was totally right.

This post truly made my day. You can not believe simply how so much time
I had spent for this info! Thanks!

Here is my web blog - http://ilblognostro.altervista.org

Anonymous said...

Of course, one of the reasons why this area of Ohio has remained so persistently branded as a pocket of joblessness is its failure to recover
from the death of the steel industry and also because of automotive production lines outsourced to foreign lands.

What is interesting is that you get to read news and analysis that give
you an entirely different perspective, rarely seen in corporate-sponsored media.

These have become world famous with all the passing days.



Look into my blog :: Click Here

Anonymous said...

Moderate to strong winds blowing from the southwest to south
will prevail over northern and Central Luzon and coastal waters along these areas will be moderate to rough.

" Earlier today some cruise ship struck land in Alaska. I want to mention a part of the Prime Law (Twelve Visions Party) which is part of Neothink.

Feel free to visit my weblog Latest Daily News

Anonymous said...

"We all knew it was theoretically possible, but to actually do it and deploy it into the field. Many of these focus on treating various types of cancer, as well as genetic disorders. What now awaits Zimbabwe - once Africa's food basket.

Feel free to visit my webpage http://www.formatemas.com

Anonymous said...

Far too many children become the victims of abuse, neglect, or abandonment and then sadly, often they
become wards of the court who will eventually determine their
fate. A person needs to have an active internet connection to be able to access all
the headlines and information on internet. If a person is connected with the
latest headlines, it will develop an awareness
in him with regards to the world which surrounds him.


my weblog www.surferonline.pl

Anonymous said...

If you are exercising every day, the fat you burn will be harnessed into muscle.
Don't jump cold, warm up first until you break a light sweat. Download Rosie's free report 5 Simple Steps to Fat Loss and start losing weight today.


My blog; fitness tips at home

Anonymous said...

Very often, these people give up before giving the program
a real chance to work. The reason this is important is because you will
have a stronger knowledge base and bag of tricks to keep you going on the rougher days.
Stretching will help you prevent injuries and it will help you loosen
up your muscles.

Stop by my homepage :: click through the following web page

Anonymous said...

The real life stories in the back are amazing, and show that even
average women can look amazing. Naturally, if you are not a
morning person, setting your alarm for 5am to go run a few miles will probably fail.
t have to starve just because you think eating is making you obese.


Visit my web site :: eshop-co.com

Anonymous said...

Moderate to strong winds blowing from the southwest to south will prevail over northern and
Central Luzon and coastal waters along these areas will be moderate to
rough. Office goers and people who are travelling often do not get time to read news from the newspaper or watch
it to get good information they could subscribe for sports SMS alerts.
This secret Taoist soak will wash any lingering worries
down the drain and give you a fabulous and fresh start.

Feel free to surf to my web-site Latest Daily News

Anonymous said...

Very often, these people give up before giving the
program a real chance to work. You have to find a way to
take the tips you learn and make maximum use of them.
If the answer is I''''''ll do whatever takes''''''''.


Visit my homepage; fitness tips and workouts

Anonymous said...

You will find the most updated news being uploaded or published in
blogs and celeb news sites. Women who are planning the wedding of their dreams can find plenty of fantastic information in Bride’s magazine.
This is why the said Albanian gossip thashetheme celebrity news
blog page is written in Albanian '.

My webpage ... latest celeb news

Anonymous said...

Many websites are involved in the funny picture concept and they include the cat playing with the plaything or with the trainer.

Funny Sports Moments would be create in every field of life.
Locate a respected joke internet site that allows you to make use of the offered jokes which means you won't need to worry about email viruses.

Feel free to surf to my web site ... lol pictures

Anonymous said...

Have you ever thought about writing an e-book or guest authoring on other blogs?
I have a blog based on the same information you discuss and would really like to have you share some
stories/information. I know my viewers would value your work.
If you are even remotely interested, feel free to shoot me an e mail.


Feel free to surf to my weblog ... hair growth products for men

Anonymous said...

Having read this I thought it was rather enlightening. I appreciate you finding
the time and effort to put this informative article together.
I once again find myself spending a significant amount of time both reading and leaving comments.
But so what, it was still worthwhile!

my web-site; biotechnology applications in medicine

Costa Rica Weddings said...


Costa Rica
Weddings
, Costa Rica
Wedding Packages
, Costa
Rica Weddings All Inclusive
,Wedding In Jaco Costa Rica,
Costa Rica Beach Weddings,
Los Suenos Wedding,
Jaco Costa Rica Wedding,
Jaco Wedding Planner,
Costa Rica Married,
Wedding Planning Costa Rica,
Costa Rica Wedding Locations,
Costa Rica Wedding Venues,
Costa Rica Wedding Packages All
Inclusive
, Costa Rica
Wedding Planner
, Getting
Married Costa Rica
, Costa
Rica Destination Weddings


Los Suenos Costa Rica,
Los Suenos Costa Rica Condos For Rent,
Los Suenos Costa Rica Vacation Rentals,
Los Suenos Condos For Rent,
Los Suenos Vacation Rentals,
Los Suenos Condominiums,
Los Suenos Condo Rental

Costa Rica Weddings said...

Costa
Rica Fishing Packages
, Costa
Rica Fishing Boats
, Costa Rica Fishing,
Costa Rica Sport
Fishing Packages
, Costa Rica
Fishing
, Costa Rica
Fishing Packages All Inclusive
, Fishing Trips Costa Rica,
Los Suenos Costa Rica Fishing,
Los Suenos Costa Rica Fishing Charters
, Costa Rica Fishing Vacation Packages,
Costa Rica Fishing Packages All
Inclusive
, Costa Rica Fishing
Trips
, Costa Rica Fishing Trips
All Inclusive
, Sport Fishing
Costa Rica
, Costa Rica Sport
Fishing Charters
, Sportfishing
In Costa Rica
, Jaco Costa Rica
Fishing Charters
, Jaco Costa
Rica Fishing Packages
, Jaco
Costa Rica Sport Fishing