It’s Christmas – A Different Kind of Poem – Chuck Barberini

It’s Christmas – My boy Christopher is home for a couple of weeks and I saw this last night and it really hit me… It touched me and made me sad, it made me happy and proud, it made me think about the sacrifices of so many and how blessed we are to be American… Thank you to those in service all over the world, away from home… Merry Christmas.

Take a minute to read this poem and let me know what you think.

Different Christmas Poem

The embers glowed softly, and in their dim light,
I gazed round the room and I cherished the sight.
My wife was asleep, her head on my chest,
My daughter beside me, angelic in rest.


Outside the snow fell, a blanket of white,
Transforming the yard to a winter delight.
The sparkling lights in the tree I believe,
Completed the magic that was Christmas Eve.


My eyelids were heavy, my breathing was deep,
Secure and surrounded by love I would sleep.
In perfect contentment, or so it would seem,
So I slumbered, perhaps I started to dream.


The sound wasn’t loud, and it wasn’t too near,
But I opened my eyes when it tickled my ear.

Perhaps just a cough, I didn’t quite know,
Then the sure sound of footsteps outside in the snow.


My soul gave a tremble, I struggled to hear,
And I crept to the door just to see who was near.

Standing out in the cold and the dark of the night,
A lone figure stood, his face weary and tight.


A soldier, I puzzled, some twenty years old,
Perhaps a Marine, huddled here in the cold.
Alone in the dark, he looked up and smiled,
Standing watch over me, and my wife and my child.


“What are you doing?” I asked without fear,
“Come in this moment, it’s freezing out here!
Put down your pack, brush the snow from your sleeve,
You should be at home on a cold Christmas Eve!”


For barely a moment I saw his eyes shift,
Away from the cold and the snow blown in drifts…
To the window that danced with a warm fire’s light
Then he sighed and he said “It’s really all right.


I’m out here by choice. I’m here every night. ”
“It’s my duty to stand at the front of the line,
That separates you from the darkest of times.
No one had to ask or beg or implore me,

I’m proud to stand here like my fathers before me.


My Gramps died at ‘ Pearl on a day in December,”
Then he sighed, “That’s a Christmas ‘Gram always remembers. ”
My dad stood his watch in the jungles of ‘ Nam ‘,
And now it is my turn and so, here I am.


I’ve not seen my own son in more than a while,
But my wife sends me pictures, he’s sure got her smile.
Then he bent and he carefully pulled from his bag,
The red, white, and blue… an American flag.


I can live through the cold and the being alone,
Away from my family, my house and my home.
I can stand at my post through the rain and the sleet,
I can sleep in a foxhole with little to eat.


I can carry the weight of killing another,
Or lay down my life with my sister and brother.
Who stand at the front against any and all,
To ensure for all time that this flag will not fall.”


”  So go back inside,” he said, “harbor no fright,
Your family is waiting and I’ll be all right. ”
“But isn’t there something I can do, at the least,
“Give you money,” I asked, “or prepare you a feast?

It seems all too little for all that you’ve done,
For being away from your wife and your son. “


Then his eye welled a tear that held no regret,
“Just tell us you love us, and never forget.
To fight for our rights back at home while we’re gone,
To stand your own watch, no matter how long.


For when we come home, either standing or dead,
To know you remember we fought and we bled.
Is payment enough, and with that we will trust,
That we mattered to you as you mattered to us. “


PLEASE, would you do me the kind favor of sending this to as many
people as you can? Christmas will be coming soon and some credit is due to our
U. S. service men and women for our being able to celebrate these
festivities. Let’s try in this small way to pay a tiny bit of what we owe. Make people stop and think of our heroes, living and dead, who sacrificed themselves for us.

LCDR Jeff Giles, SC, USN
30th Naval Construction Regiment
OIC, Logistics Cell One
Al Taqqadum, Iraq

“Real Integrity is doing the right thing, knowing that no body’s going to know whether you did it or not. “

PFC Christopher Barberini

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Friday The 14th of October… Chuck Barberini Real Estate

Friday The 14th of October… Chuck Barberini Real Estate
Chuck Barberini Real Estate – BR Real Estate Group
For today, I’m just throwing some random stuff together and we’ll see where it goes.
The Giants – Even year and I’m up – I’m Down – I’m up then I’m down again

First of all, I’m still pissed that the Giants lost game 4 at home. I must admit that I was not overly optimistic that they were going anywhere this year. Every time that I counted them out they would prove me wrong. The season started and I was not excited, I didn’t think that they had done enough in the off season. Dennard Span, Jeff Samardzija and Johnny Cueto were good additions, but we missed out on Zack Greinke. We still had Posey, Pence, Belt, Pagan, Crawford, Duffy and Panik and of course Madison Bumgarner, so we should be competitive.

They come out

of the gates, so-so, win some and lose some, then they catch fire… May, June and up until the All-star break they are winning. They are getting through injuries and nobody is on fire, but they keep winning. So, now I’m getting excited 57-33 and a 7 game lead, the best record in baseball. Then they came back from the break and lost and lost in every way possible. The Padres owned them, Santiago Casillas lost his confidence and in spite of 31 saves could close out a game. The Dodgers caught and passed them and they were leaking some serious oil and limping to the finish line. Just to make the playoffs, they had to sweep the Dodgers in the last series of the season.san-francisco-giants

Off to New York

for a one game playoff with the Mets, an awesome pitcher’s duel with Mad Bum tossing a complete game shutout and some late game heroics from Conor Gillespie and they were off to Chicago, to play the Cubs, the hottest team in baseball for a best of 5 series. I’m excited again… Game one, Cueto is pitching a gem, but throws one bad pitch and gives up a homer in the 8th and down go the Giants. Game 2 Samardzija pitching again in Chicago and gets roughed up early and its back to SF down 2 games and playing a sudden death at home. Game 3, the Giants have their Mr. October, Mad Bumm going, I’m cautiously optimistic, but it starts bad, an early homer to the Cubs pitcher and we are down 3 nothing, oh well it was a good run… but they come back and are up 5-3 in the 9th, here comes the bullpen and there goes the lead.

I’m bummed

but it’s October, it’s an even year and it’s the Giants… Crawford and Panik combined for a dramatic walk off win in the 13th, I’m stoked. Matt Moore was dealing in game 4 and the Giants take a 5-2 lead into the ninth… Here we come Chicago, game 5 and Johnny Cueto is set to go, but here comes the bull pen and there goes the game and game 5 and the season…. Un-freaking believable and, oh yea, I’m bummed…

October 14th 1947 Air Force test pilot Chuck Yeager broke the sound barrier piloting the experimental Bell X-1. x1

I read his book years ago and there was also a large section on him in “The Right Stuff” I have admired him for years and was surprised to see that he is alive and well, 93 years young and is quiet an accomplished Tweeter… Check out some of these classics. Chuck Yeager Twitter

 

“The Reaper”

I saw this article today, linked on my Task & Purpose email… I’m looking forward to seeing this production, but a couple of things jumped out at me from the article. Nicholas Irving aka the Reaper is the son of military veterans and is the first African American Sniper in the 3rd Ranger Battalion. What was really interesting is that the production is based on a self-published book that Irving wrote during a four-day alcohol binge. CB

Jay Z Is Producing A TV Show About Legendary Sniper Nicholas Irving

By ADAM LINEHAN on October 12, 2016

Irving earned the nickname “the Reaper” for purportedly killing 33 insurgents during a deployment to Afghanistan in 2009.

Rapper Jay Z is producing a six-part miniseries about Nicholas Irving, who earned the nickname “the Reaper” while serving with the U.S. Army’s 3rd Ranger Battalion from 2004 to 2010.

According to Page Six, the show is being produced for NBC.

Irving, who grew up in Maryland, deployed multiple times to Iraq and Afghanistan and saw heavy combat throughout his career. During a four-month deployment to Afghanistan as a direct-action sniper in 2009, he purportedly killed 33 enemy combatants.

In addition to

being one of the deadliest snipers in American history, Irving, the son of two Cold War military veterans, holds the distinction of being the first African-American sniper to serve with 3rd Ranger Battalion.the-reaper

The six-part miniseries will be based on Irving’s 2015 memoir, “The Reaper: Autobiography of One of the Deadliest Special Ops Snipers,” which primarily focuses on Irving’s legendary 2009 Afghan deployment. A source told Page Six filming will begin early next year.

In a recent interview with Task & Purpose, Irving explained that he had written “The Reaper” during a four-day alcohol binge after leaving the Army. The memoir was initially self-published on CreateSpace.com and then picked up by St. Martin’s Press. Irving’s second book, “Way of the Reaper: My Greatest Untold Missions and the Art of Being a Sniper,” was published in August of this year.

Irving is also

a co-host of Fox’s “American Grit,” a reality series that premiered in April and was recently renewed for a second season.

Actor Sterling K. Brown, who won an Emmy for his portrayal of Christopher Darden in FX’s critically acclaimed 2016 series “The People v. O.J. Simpson: American Crime Story,” will star as Irving, Page Six reports.

On Oct. 10, Irving confirmed the news on Instagram.

And another thing…

7Colin Kaepernick is starting for the 49ers this weekend. He is an embarrassment, his national anthem protest is disgusting and the 49ers are un-watchable. 3 years removed from the Super Bowl. Alex Smith has had a nice career since he lost his job and team to an injury…

 

Go Warriors
Friday The 14th of October…
Chuck Barberini
Chuck Barberini

 

Friday The 14th of October… Chuck Barberini Real Estate
Chuck Barberini Real Estate – BR Real Estate Group

Being Lazy Can Equal Great Success – Chuck Barberini Real Estate

Chuck Barberini Real Estate 

Being Lazy Can Equal Great Success

Barberini Robinson Real Estate Group

This is a fun article that I came across today @lifehack.org today. Michael Daws puts an interesting twist on productivity. He shows how being lazy can help you be more successful, but what he is really showing is how to prioritize. Focus on what’s important now, delegate, focus, look for a better way to complete your task. Check out this article and let me know what you think. Click on the link below to see the current interest rates.

Good Luck, Chuck

8 Reasons Why Being Lazy Will Lead You to Great Success

PRODUCTIVITYBY MICHAEL DAWS

Your whole life you’ve been told things like “hard work is the only key to success,” or maybe even “you will never amount to anything if you don’t work hard for it.” While these statements are somewhat true, what if I told you that you could be very successful and still be lazy at the same time?

Being lazy doesn’t necessarily mean not having to do anything, it just means you find an easier way to do it so you don’t have to work as hard. Here are some of the ways that being a lazy person can help you to find great success.

 

  1. You avoid busy work

There is nothing that I absolutely hate more in the workplace than busywork. Unimportant meetings that have no effect on your particular department, or meetings that achieve nothing aside from taking up your time. This is time that could be spent actually getting the job done so you can get the heck out of there.

Lazy people would rather take the task they are assigned and get it done, get it done quickly, and get it done right, so they don’t have to spend any more time on it than absolutely necessary.

  1. You know how to delegate to cover more ground

Lazy people make really good leaders, and this point proves it. You put a lazy person in charge of a group of people for a project, they know how to delegate people to certain tasks based on their skills so the job can be done quickly and efficiently. It doesn’t make sense to have one person do everything or have everybody focus on one thing at a time — lazy people usually have a knack for making sure this does not happen.

  1. You are clever, so you can be lazy

If you are lazy, you must be clever in order to be efficient. In the workplace, you can be two of four things: lazy or diligent, clever or stupid. If you are clever and lazy, you have a tendency to be the most efficient. This just means you can get more done while doing less work.

  1. You always look for a quicker, more effective way of doing things

Bill Gates said that he would always hire a lazy person to do a difficult job at Microsoft, because they would always find an easier way to do it. Just because you are diligent and clever, doesn’t mean you are going to be more efficient. This just means you will get the job done — but you are probably going to do it without finding a better way, and you are going to take a lot of unnecessary steps to get it done.

  1. You focus on only the bare necessities

When given a task to do, lazy people tend to only focus on what is needed, rather than all of the extra details to get the job done. I’m not saying that there is anything wrong with going the extra mile every once in a while, but sometimes it can be too much and it’s just a wasted effort. Lazy people have an ability to figure out when is a good time and when it is unnecessary to do a little extra.

  1. You know how to procrastinate

Procrastination has always been seen as a bad thing, but if you are lazy and clever you know how to use procrastination to your advantage. Lazy people who procrastinate and wait until the last minute have no choice but to focus on the job and get it done in time. They know that there is no room for error or extras, so they get the job done quickly and done well in less time than a diligent worker.

  1. You are lazy because you are efficient

Sometimes it may seem that people are just plain being lazy, constantly scrolling their Twitter feeds and reloading Facebook, while you are busy busting your butt. The reality of it is that they knew how to get their job done faster and easier and simply just have the time to sit around.

  1. You know how to make money when they are sleeping

That is the ultimate dream, right?  Wake up and look at your bank account and have more money in it than you did when you fell asleep. Lazy people know how to utilize online tools and services that allow them to make money without having to work a lot. It will take some work to develop things that will sell, but then you can sit around and make money afterwards without having to sweat.

Its all about how you look at things. You don’t have to work your fingers to the bone day in and day out to be successful. It’s all about how you can get more done in less time and produce bigger results than before.

Chuck Just Chillin'
Chuck Just Chillin’

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Being Lazy Can Equal Great Success

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Homelessness Rising Among Families – Chuck Barberini Real Estate

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Homelessness Rising Among Families – Chuck Barberini Real Estate

Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek

DAILY REAL ESTATE NEWS | FRIDAY, AUGUST 21, 2015

Homeless Shelter

Total homelessness has fallen 10 percent in the country since 2010, but among one segment, homelessness is on the rise. A new blog post from Harvard University’s Joint Center for Housing Studies notes that homelessness among families remains persistently high.

Read moreNever Taking a Home For Granted

More than a third of the total homeless population is made up of people in families, and more than 60 percent of this segment have children who are under the age of 18.

The number of homeless families living in shelters – such as emergency shelters, transitional housing programs, or safe havens – is growing. Nearly nine in 10 homeless people in families were staying in shelters in 2014.

In some pockets across the country, the number has risen to the highest on record, JCHS notes. For example, in New York City, homeless families are estimated to comprise the majority of homeless shelter residents, rising by 67 percent alone between January 2005 and January 2015, according to the advocacy group Coalition for the Homeless.

“Since the end of the recession, the affordable housing shortage has continued to play a major role in rising rates of family homelessness,” JCHS research assistant Irene Law notes on the Housing Perspectives blog. “Between 2010 and 2014, in high-cost locations where affordable rentals are in short supply, the number of homeless people in families increased substantially: by 50 percent in the District of Columbia, 41 percent in Massachusetts, and 22 percent in New York.  The problem is acute in urban areas across the country.”

Indeed, 45 percent of all homeless families lived in major cities in 2014. Nearly 20 percent lived in New York City, which had the highest concentration of homeless families nationwide at 41,633, followed by Los Angeles City and County at 6,229.

“The current inventory of permanent supportive housing largely targets single adults, especially those with chronic patterns of homelessness,” notes Lew at the JCHS blog. “Although the number of permanent supportive housing beds has increased significantly since 2007, a substantial share of permanent supportive housing beds are set aside for individuals rather than families.  The limited availability of subsidies for the services component, as well as higher operating expenses compared to affordable housing, present challenges for expanding the supply of permanent supportive housing.”

Source: “Despite Declines in Homelessness, Family Homelessness Persists,” Harvard University’s Joint Center for Housing Studies (Aug. 12, 2015)

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6 Key Housing Stats to Gauge the Market – Chuck Barberini Real Estate

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Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek
6 Key Housing Stats to Gauge the Market
DAILY REAL ESTATE NEWS | FRIDAY, AUGUST 21, 2015Housing

Existing-home sales were back on the rise in July, marking the third consecutive month of increases, while low inventories of homes for-sale and rising prices were the reason behind first-time buyers falling to their lowest share since January, according to a new report from the National Association of REALTORS®.

Regional Breakdown
Here’s how existing-home sales fared across the country in July:
• Northeast: sales fell 2.8 percent to an annual rate of 700,000, but are 9.4 percent above a year ago. Median price: $277,200, which is 1.3 percent higher than a year ago.
• Midwest: sales held steady at an annual rate of 1.32 million, unchanged from June but 10.9 percent above a year ago. Median price: $186,500, up 6.6 percent from a year ago.
• South: sales rose 4.1 percent to an annual rate of 2.29 million in July, and are 9.6 percent higher than a year ago. Median price: $203,500, up 7 percent from a year ago.
• West: sales increased 3.2 percent to an annual rate of 1.28 million in July, and are 11.3 percent above a year ago. Median price: $327,400, which is 8.4 percent above a year ago.
Source: National Association of REALTORS®

Total existing-home sales – which include single-family homes, townhomes, condos, and co-ops – rose 2 percent in July to a seasonally adjusted annual rate of 5.59 million. Sales are at the highest pace since February 2007, and are 10.3 percent above a year ago.

“The creation of jobs added at a steady clip and the prospect of higher mortgage rates and home prices down the road is encouraging more household to buy now,” says Lawrence Yun, NAR’s chief economist. “As a result, current home owners are using their increasing housing equity toward the down payment on their next purchase.”

Here’s a look at five main indicators from NAR’s latest housing report:
1. Home prices: The median existing-home price for all housing types was $234,000 in July – 5.6 percent above a year ago. “Despite the strong growth in sales since this spring, declining affordability could begin to slowly dampen demand,” says Yun. “REALTORS® in some markets reported slower foot traffic in July in part because of low inventory and concerns about the continued rise in home prices without commensurate income gains.”

2. Housing inventories: At the end of July, the inventory of homes for-sale fell 0.4 percent to 2.24 million existing homes available for sale. The inventory now is 4.7 percent lower than a year ago and at a 4.8-month supply at the current sales pace.

3. First-time home buyers: The percentage of first-time home buyers fell for the second consecutive month, reaching 28 percent in July – the lowest share since January. Last year at this time, first-time buyers comprised 29 percent of all buyers.

“The fact that first-time buyers represented a lower share of the market compared to a year ago even though sales are considerably higher is indicative of the challenges many young adults continue to face,” says Yun. “Rising rents and flat wage growth make it difficult for many to save for a down payment, and the dearth of supply in affordable price ranges is limiting their options.”

4. Days on the market: Properties stayed on the market for an average of 42 days in July, below the 48 days average from a year ago. Forty-three percent of homes were on the market for less than a month in July. Short sales were on the market the longest at a median of 135 days while foreclosures were on the market for 49 days and non-distressed homes sold in 41 days.
5. All-cash sales: The percentage of all-cash sales rose to 23 percent of transactions in July, down from 29 percent a year ago. The share of individual investors – who account for the bulk of cash sales – was 13 percent in July, down from 16 percent a year ago.

6. Distressed sales: The percentage of foreclosures and short sales declined to the lowest share since NAR began tracking it in October 2008. Distressed sales fell 7 percent in July month-over-month and are 9 percent below a year ago. In July, 5 percent of sales comprised foreclosures while 2 percent were short sales. On average, foreclosures sold for a discount of 17 percent below market value while short sales sold for an average discount of 12 percent.

“Five years ago, distressed sales represented 33 percent of the market in July,” says Chris Polychron, NAR’s president. “For many previously distressed homeowners throughout the country, rising home values in recent years have helped recover equity and the vast improvement in several local job markets means fewer are falling behind on their mortgage payments.”
Source: National Association of REALTORS®

“You can’t use up creativity.

The more you use, the more you have.”

Maya Angelou

Rates improved today upon the release of weaker than expected economic news. 

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Chuck Barberini Real Estate – It’s Not Easier to Get a Mortgage

Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek – https://www.barberinico.com/archives/154

Chuck Barberini Real Estate – It’s Not Easier to Get a Mortgage

DAILY REAL ESTATE NEWS | MONDAY, AUGUST 10, 2015

Home sales are improving, so does that mean it’s easier to get credit access for a mortgage? Not necessarily, writes Jonathan Smoke, realtor.com®’s chief economist.

Read more: Getting a Mortgage is Easy, Consumers Say

Last fall, mortgage giant backers Fannie Mae and Freddie Mac urged lenders to ease their requirements and also introduced new 3 percent down payment programs for qualified buyers. The Federal Housing Administration also has lowered its insurance premiums.

The Mortgage Bankers Association’s Credit Availability Index was at 122 in June, a 5 percent increase year-over-year in the expansion of credit. However, the index peaked at 869 in June 2004 – indicating that June’s reading is still far from that peak or even a normal reading.

Smoke says that the average FICO score on a closed purchase mortgage in June was 727. Average FICO scores for the past 24 months have hovered between 724 and 742. That represents above-median credit quality households, Smoke says. The average denied FICO score was 672 in June, down from 686 a year ago.

What that means, Smoke notes, is that “more lower credit-quality households are applying but not getting approved. Yet at the same time, the percentage of purchase applications making it to closing has risen from 64 percent last June to 69 percent this June. Times are still tough for those with tarnished credit.”

On the other hand, wealthier households seeking a jumbo mortgage may be having an easier time. Lenders are showing signs of loosening up on jumbo mortgage requirements.

A more widespread change may be on the horizon for the market. A July Senior Loan Officer survey report from the Federal Reserve did show that over the past three months banks have been easing lending standards on several categories of mortgage loans. Smoke notes that those changes may start appearing in the closing averages in the coming months.

Still, “today’s limited credit availability is at least partly to blame for the tight supply that’s leading to higher prices and higher rents,” Smoke writes. “Builders are not convinced that there’s enough depth of demand to absorb higher levels of new construction, so they are holding back and focusing on their profitable growth instead. Meanwhile, a substantial percentage of today’s home owners with mortgages underwritten years ago fear not being able to qualify for a new mortgage today, so they stay on the sidelines and keep their homes off the market.”

Source: “Is It Really Easier to Get a Mortgage These Days? Well …” realtor.com® (Aug. 6, 2015)

Rates improved today upon the release of weaker than expected economic news. 

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Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek

One Cool Thing … Check out some interesting information from the CALIFORNIA ASSOCIATION OF REALTORS®

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Happy Independence Day 2015 – Chuck Barberini Realtor

4th of July

As we celebrate our countries independence, let’s remember those that have fought and gave their all for us.

Remember our national pride – Remember who we are – Let’s take our country back.

Happy Independence Day 2015 US

Chuck Barberini Realtor – Loan Demand Is on the Upswing for Spring

Chuck Barberini Realtor – Contra Costa County Real Estate – Intero Walnut Creek

In every walk with nature one receives far more than he seeks. John Muir

DAILY REAL ESTATE NEWS | WEDNESDAY, APRIL 01, 2015

Mortgage applications for home purchases and refinancings continue to rebound, with volume rising 4.6 percent on a seasonally adjusted basis last week compared to the week prior, the Mortgage Bankers Association reports in its latest index reading for the week ending March 27.

“This week’s mortgage application survey falls right into line with recent indications that home sales – new, existing, and pending – are on the rise, as is consumer sentiment,” says Lynn Fisher, the MBA’s vice president of research and economics.

Broken out, loan applications for home purchases, viewed as a gauge of future home sales, increased 6 percent week over week. Purchase applications are 8 percent higher than year-ago levels. Refinancing applications increased 4 percent during the week. Refinancing applications are 44 percent higher than they were a year ago, according to the MBA.

Federal Housing Administration loans, a big draw to first-time buyers, and Veterans Administration loans continue to post a strong performance with volume of these government-insured loans growing by 19 percent compared to last year.

The average 30-year fixed-rate mortgage fell to 3.89 percent last week, from 3.90 percent the week prior, the MBA reports.

Source: “Mortgage Applications Surge on Spring Demand,” 

While appreciate what the article has to say regarding loan apps and I think that it bods well for market strength in the upcoming months, it seems to me that it is only one side of the equation, at least here in the Bay Area. The rates are low and holding, which by itself has increased the activity in the market, the problem that I am finding as a man out on the streets is that there is a dramatic lack of inventory and the available homes are going up in price at a rapid rate. This is a twofold problem as it is knocking investors out of the market, because they are not able realize a return on their investment and the young buyers are getting priced out of the market. So who does that leave in the market, the more traditional home buyers that have a sudden increase in home equity which they can leverage into buying a larger family home and investors that are able to buy and hold to take advantage of the very restricted rental market.

It seems like the strategy for both young buyers and investors alike is patience, but be prepared to pull the trigger when the right opportunity comes along.

 

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