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I have decided to do the update of San Mateo homes every 4 weeks, and the last update is pretty interesting. In 4 weeks there were 126 unique properties totaling 142 listings that are listing less than their last sale price. This is an increase of 50% from the last report in January. Here are some highlights.

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A notable home is , which sold for 7.9 million dollars in 2001, but is now listing for 6.95 million. I guess we are rolling back to 2001? It is a beautiful property from the looks of the pictures. This is the most expensive listing I have found to date.

In you will see that over 1/4 of the properties have listing prices that are over 25% less than their last sale price. The worst example is a less than its last price. It seems that the Goldman Sach’s prediction of Californian homes losing 40% of their value is coming true one house at a time.

I expect that the next report will be even worse as more people try to list their homes for the spring selling season. They will be competing with so many banks and other desperate home sellers who already have their homes on the market. There is quite a bit of news that many homedebtors are just mailing their keys back to their lenders, and that may be a prudent thing to do if it costs even more to carry the home and try to sell it.

Until next time, enjoy!

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I really have no words for besides that I am glad that no one is hurt. Basically the stretch of highway that I drive from the office to home was shutdown in both directions because some woman named Revuelta (flipped over in Spanish) flipped over an oil tanker with her minivan and spilled over 2000 gallons of oil onto highway 101 causing the asphalt to deteriorate. I was lucky not to be stuck in that jam because a coworker of mine tried to go home around five pm and came back to the office past six saying that he got through maybe 2 miles in an hour. All the local streets were packed to the brim and El Camino was literally a parking lot. I left around 8pm and took the 280 home and I have never seen that many cars on that highway before. Anyway, in honor of this accident, here are a list of supplies that I think commuters in Northern California may need for survival.

best prices on viagra – This is for crossing the various bridges.  In case you have automatic windows that don’t open once your car is under water then  you may need a brick to break the glass.  Otherwise bricks are also good for self defense.

best prices on viagra- One of my ex-coworkers actually has these in his car because he can’t swim.  He is afraid that if he were crossing one of the bridges his car may fall in and he may drown and he bought the life vests after he heard on the news a bridge collapsed in some other state.  I think this is reasonable and life vests are not very heavy.

best prices on viagra – So the highway patrol closed down most of the southbound lanes today because they were afraid the gasoline was going to catch on fire.  So in case your car is on fire a fire extinguisher may be good equipment to have.

best prices on viagra -  Imagine you were one of those people who were stuck on the highway for hours upon hours.  Actually, I have been there when I tried to drive home one Christmas.  It took me four hours to drive 40 miles on the 101 from the Peninsula to the East Bay.  Water and snack packs are needed to keep your energy up.

best prices on viagra -  Having lived here for ten years I can’t believe how many times hazardous materials have spilled over on the highways.  Last year a highway connector freaking burned down because of another tanker turn over. Seriously, a gas mask or hazmat suit may save your life one day.

best prices on viagra -  If it gets really bad and you have to shut off your engine, you may have time for a friendly game with the rest of the travelers who are stuck.  If you are a loner it might be good to have portable gaming or a portable DVD player.

best prices on viagra – This is pretty essential everywhere I guess.

On days like this I wish I still lived in a high density area with plentiful public transportation, but then again, a bus could be stuck on these highways too and I wouldn’t be packing my gear. The bottom line is people need to be more careful when they drive. For some reason Northern California is rife with bad drivers riding in fancy cars.  It was really a culture shock when I moved from Hawaii to here and saw so many rude drivers that think they own every single road. If everyone just slowed down a bit and tried not to cut people off, then maybe we could have less tankers rolling over.

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Apparently some of my friends and family were wondering where I was the past couple days. I was not online at all and my phone was out of reach. Well, I was actually at a company sponsored retreat for all of the engineering staff and it was absolutely awesome. We stayed at a camp ground in Pescadero called Costanoa and even though the surroundings were beautiful it was raining the entire time. However, all of our activities were indoors so it didn’t matter. One of my favorite professors from college came to our retreat and gave a week’s worth of lectures from his computer security class and I actually learned a lot. After dinner there were a myriad of fun activities including Scrabble, Belgian beer tasting, a poker tournament, and lots of arm wrestling. (I won the Scrabble and bested a Stanford grad and an MIT grad! Berkeley FTW in Scrabble!) The next day we had a security contest where we were all given an open source project to hack. My team didn’t win but it was still a lot of fun. Amidst all the fun our CTO gave a speech on the economy of all things, and I thought it is interesting enough to share.

Our CTO is a very smart guy that has been around the Valley for many many years (possibly longer than I’ve been alive). He said that he has been through many economic downturns and booms in this crazy place. As he tells it, when he attended college here the semiconductor industry was booming and highway 101 had traffic from 8am to 11pm. Then all those jobs were outsourced and the Valley was quiet once again. Then came the famous dot com bubble and bust. He recounted a conference he attended back in 2002 right after the burst. He and several other people were scheduled to speak to a room full of newly unemployed engineers. The first speaker was a recruiter, and he told the room full of people that there are absolutely no jobs, and advised people not to talk to him to look for positions because there is none. The second speaker was someone who was sort of an expert on real estate and basically told everyone that they will see a housing downturn and lose their homes. The third person was some sort of reporter and also said something depressing. Our CTO was last and he thought to himself, whatever I do I have to say something positive to this crowd of people. So he went up there and asked everyone, “How many of you are unemployed engineers?” Practically everyone raises their hands. Then he asks, “How many of you were doing mundane work like getting data from database and displaying it on a website and got paid obscene amounts of money for it?” A large percentage of the room raised hands. Then he says, “you know what, this is how you can fix our problem. I am sure there is someone smart enough in here to start something truly interesting, and all it takes is one of you to start a company that is amazing and not mundane and the rest of us can work for you.” Supposedly, that is the year our company grew from an idea to a band of the best engineers and researchers. Then he went on about topics such as the mortgage crisis and globalization, and here are my take aways from his talk:

best prices on viagra – I came back from the retreat and the stock market was going crazy because of the Fed’s extremely large interest rate cut and various economic problems. The CTO did say that this is going on because of a lot of fear. There is a lot people who are afraid of what is happening to the banks and what is happening to businesses, but in the end things will get better because of innovation and increased productivity. Most of the fear people have is because of uncertainty. There is no clear indicator that everything is alright so there is panic. The right thing to do is to be innovative and try to profit.

best prices on viagraThe CTO said that the best time to staff up a company and rent office space is in times of economic downturns. If a company has money, then they are getting a bargain because people are more willing to accept lower wages and commercial real estate rents drop drastically. So if you have cash during a downturn, then you are able to snatch up many bargains. As I wrote in a , I will be on the lookout for sales in stocks or real estate. best prices on viagra

best prices on viagraHe said that the world has been changed so much by technology that globalization is no longer an option. Every company and country needs to establish footholds globally to become big. Even though people are always complaining about immigrants in America and jobs being outsourced to India, these things are necessary and probably good for everyone in the long run.

best prices on viagrabest prices on viagraThe CTO asked if we were afraid that we would be outsourced, and only one person raised his hand. He thought that was a good sign because we are a great group of engineers. He further said that if you keep yourself at the top of the pack then you can demand to be paid well and you will not be outsourced. I think that is good advice because there is no need to sell yourself short and if you keep on improving yourself, you should be able to charge a higher price. best prices on viagra

best prices on viagraThis is  something the executive officers say at almost every speech they do. They always say that they hired people smarter than them to create a great company. I think it is great advice because I learn a lot from those who are smarter than me, and in turn I become smarter. There is also a chance that one of them will start a company one day that is the next Google or the next Microsoft and I can go along for the ride.

Anyway, I thought the CTO’s speech was very motivational and candid. I am sure he can make a living by hosting success seminars, but instead he does funny things like making movies and cheering us on. So once again, do not be afraid and do the best you can this year.

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Today I was away at an all day company meeting.  The good thing about it is that there were a lot of food and drinks along the way, but the bad thing with these long meetings is that they are almost always quite sleep inducing and includes a lot of speakers and very little interactivity.  So here are some tips I have to make these meetings a little less painful.

best prices on viagrabest prices on viagra -  The reason for this is so that it’s easier to get up and go to the bathroom.  When a meeting is more than three hours a lot of people go to the john, and getting up and having to say “excuse me” a million times is pretty annoying.  Also, when the meeting is over it’s easier to get out of the door!

best prices on viagra -  I do this because it’s easier to be not noticed and it is easier to take a nap or play with something I brought.  Though, in smaller meetings this tactic doesn’t work very well.

best prices on viagra – Portable entertainment could consist of a novel, a portable gaming device, a computer, or a notebook.  In my previous company I was able to get through a good part of a Nintendo DS RPG through a three hour meeting where the executives repeated what they said in the previous meeting.  With a computer you can do a lot more things like emailing and instant messaging if there is internet. If there is no internet you can still blog offline.

best prices on viagra – The rules to this games is explained in the link.  Basically, you make a list of business buzzwords that people say in meetings like “synergy” or “web 2.0″.  Try to get coworkers to make their own lists, and then check off each word as they are said and the winner is the person who has his/her list completed first.  Of course, this game requires paying attention to the speakers, but if the meeting is sort of small and you can’t play other games, this is the way to go.

best prices on viagra – This is a no brainer, when you’re bored you tend to sleep, and sleeping is much more fun than a boring meeting because at least you can dream.  Just make sure you don’t snore very loudly and you don’t mind sleeping sitting up.

best prices on viagra– Today we had a lot of free beer and other drinks, and some people had backpacks.  They could have hauled a whole six pack of Guinness home.  In my first company a guy always had Tupperware for these events so he could bring food home. My supervisor in my last company would bring a shopping bag and put a whole food tray in it.

Anyway, don’t do any of these things if  you are actually a presenter at the meeting and have to sit somewhere near the front. If you are interested in the topic presented then the best option at these meeting is to listen, but if you are an engineer and they are commending the salesmen repeatedly and reading off the sales numbers by every region in the world, then it gets pretty darn boring!  Try these things at your own risk!

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When I first moved to the United States in 1992 the country was recovering from a widespread recession and I was totally unaware of it since I was only nine years old. Then ten years later another recession occurred and I was attending college and once again lived through it without caring too much. Today there is a lot of talk about the coming of the next recession and I am sure it will happen again since the economy is cyclical. We are already seeing a slow down in employment and massive losses in the financial industry and the stock market has come down about 10 to 11% since the October high. So what will I do in this coming recession?

best prices on viagra — I am not going to sell all my investments just because it is going down right now. Panicking and selling long term investments is probably not the best thing to do since I really don’t need the money right now. I will also continue to contribute to my 401k despite the volatile market. The reason for this is that eventually a recession ends and the market goes up again. Selling a stock or fund at a low is never really a good strategy.

best prices on viagra — I will be looking for cheap investments to buy if there is a recession. There are many great companies that will survive through a recession but their prices may be depressed by the general mood of investors. So I am sure there will be bargains. Additionally the real estate market is falling almost everyday and if there is a reasonable bargain I may purchase real estate. Basically, I will keep an eye out for things on sale.

best prices on viagra — The general consensus is that the tech industry is still fairly strong, but a recession could change the outlook rapidly and there may be a great Silicon Valley Job Massacre again. I think the key to keeping your job is to be good at it, and I will try my best to be “unfirable”.

best prices on viagra — Sometimes being a great employee is not enough and people still get axed because the horrendous economic situation of their company just can’t be salvaged. This is why I think everyone should have a backup plan to survive. I’m not sure what I would do yet, but I imagine I could be a consultant or just blog full time. I also have a pretty big emergency fund that could help through a period of unemployment.

best prices on viagra — When times are lean, it’s even more important to be debt free because it may be harder to reduce debt with less income. I will make sure I don’t take on any debts I can’t pay back.

best prices on viagra — If our income falls drastically we may need to cut expenses. There are many areas where we can be more frugal right now, but since we’re doing fairly well in savings we’re not living an extremely cheap lifestyle. For example, we could move to a smaller apartment, but it would be less comfortable. However, if we really had to downsize we would be fine with a smaller and cheaper apartment. I think many people live in houses that are way too big for them and if times are lean that’s where they can save the most. They can rent out part of their home or just move to a smaller apartment.

best prices on viagra — I read an article some time ago that said charitable organizations receive less donations in recessions. This is understandable because if a lot of people lose their jobs they would be unable to donate. I will try my best to maintain my donations.

Anyway, my outlook for the next recession is that it probably will not affect me and the hubby very much and I probably do not have to change much of my lifestyle. If we both happen to lose our jobs I think we are still fairly well prepared to live through it. What are your plans for the coming recession?

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