Archive for the 'Friends and Family' Category

Aug 04 2009

Misery in Oregon

Published by John Hoyle under Friends and Family

Yesterday was my birthday. Everything was great, good weather, nice lunch, and little trip to Macy’s for a pair of fancy flip-flops and a couple pairs of badly needed pants. Oh, yeah, and a quick stop at See’s Candy Store for a box of two-dozen truffles – dietetic, of course.

Now that I am older and more mature, I have to take a fresh look at my life and surroundings.  You simply can not  imagine what I am forced to endure almost every day – especially during the summer and fall.

Sometimes, way up here in the Great Green Pacific Northwest, I wonder if anyone cares what we have to suffer through in these barely livable surroundings: Sun blocked out by the tall evergreens; small birds eating our very valuable seed; vicious and out-of-control squirrels roaming around our backyard, running between houses, and jumping from tree to tree. All of that and the nosey neighbors who are always trying to loan us their tools or wanting to help us with some project.

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Mar 08 2009

Remembering Mom

Published by John Hoyle under Friends and Family

It’s been almost fifty years since I lived at home with my parents. In spite of the passage of all that time, I think that like most kids of my generation I can still remember some of the phrases that Mom would use frequently to try to teach me proper manners, eat my food, and threaten punishment, deserved or not.

Other than some references to IPods and computers, not that much has changed in fifty years. Mothers will still be mothers and the lectures they give don’t vary much over time.

This comedienne lays it out for us all. In fact, you might pick up few new ones to use on your own kids some day – or every day.

Enjoy…


Annoying (but very funny) Mom phrases! Thanks to Yahoo! Video

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May 12 2008

My trip to Orange County

I’ve just returned from a ten-day trip to Southern California with stops in Marin and Sonoma counties. Although the drive was over 2000 miles round-trip, my old Toyota Camry handled it without complaint and just silently purred along at speeds up to 90 mph.

Gas prices ranged from the $3.70 range in Oregon to as high as $4.39 in the San Francisco Bay area. The effect of high fuel prices was immediately evident almost everywhere I went. No waiting in restaurants, motel room prices as low as $29.99, and far fewer vehicles on almost every highway I took.

So there were some benefits to the higher gas prices, but clearly the general economy is in a slowdown. As I passed through the Stockton/Sacramento areas, real estate sponsored shows on AM radio touted the very low prices in that area due to all of the foreclosures and short-sales taking place. Many homes that would have cost well over $500,000 were going in the low $200,000 ranges in Stockton. The Realtors there are claiming that the bottom has finally been reached, but some areas that already look like ghost towns are still adding For Sale signs to the few homes still occupied.

The good news is that I was able to see my oldest granddaughter (age 11) perform in a most wonderful ballet set that included shortened versions of “Alice in Wonderland” and “Peter and the Wolf.” She is a most beautiful young lady and very talented, taking the art and athleticism of her dancing very seriously. Her mother hopes to have DVDs of the performances out to all of the family very soon.

I was also able to see my youngest grandson play Little League Baseball. Roaming center field like Mickey Mantle and Willie Mays, he made his biggest contribution early in the game with a hard hit ball to center field that resulted in a couple of RBIs. He added another hit and a run scoring fielder’s choice later in the game that helped his team gain a very impressive win over their opponents. It was a great evening (although very chilly sitting on those metal bleachers) with my daughter Kristen and her family.

To say I am proud of my grandchildren would be an understatement. All six of them are doing very well in school and sports. But most importantly, they are really sweet kids and are a pleasure to be around – at least for this old guy.

A special thank you to my daughter Kim and her family for putting me up for a couple of nights as I passed through their area coming and going, leaving nothing but dirty laundry in my wake.

My brother Denny and his wife Stephanie provided me room and board while I was in The OC. Their wonderful hospitality is very much appreciated. They allowed me to come and go as I needed, but fed me and kept me laughing during the times we spent together. I have a very special place in my heart for them and their daughter – who is now becoming quite the model for her mother’s blossoming artistic photography pursuits. What a great time I had with them all and their love and support made my trip very enjoyable.

Unfortunately I was unable to see my daughter Kelly and her family in Los Angeles on this trip and was only able to visit other family members for very short periods. But we will be back again – hopefully soon – and hopefully when there is a much improved economy and lower fuel prices.

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Apr 02 2008

Check out the new links – especially Denny’s

Denny and John HoyleOver the past few weeks I’ve added some new links to other sites of mine.  Today I’ve added a link to my brother’s new “business card” page hosted by Indymac Bank. Denny is a home loan consultant for Indymac in Orange County, California.

Denny and I frequently chat about the state of real estate throughout the country, but especially in Southern California where he owns a very nice home and I manage a rental property.  In spite of the doom and gloom that surrounds the real estate and banking industries right now, Denny is pretty upbeat and feels that homeowners with a good property and a decent loan will pull through just fine.

Unlike many loan brokers and bank loan officers, Denny is fortunate, thanks to his relationship with Indymac Bank and his other industry contacts, to still have access to a wide range of loan products for almost any home owner or buyer.  He can handle basic conforming home loans, “jumbos” and “super jumbos,”  and even reverse mortgages for old folks like me.  He can also serve clients in most other states.

Now that interest rates are about as low as they have ever been, Denny feels that anyone that has a loan with an interest rate over 6.50%, whether fixed or an adjustable, should consider refinancing soon.  There is actually plenty of money available, and lenders like Indymac Bank really do want to help you get a better loan.  But you need someone who knows how to package your loan file to get it past the much tougher underwriting guidelines that now exist – and Denny is certainly one of the best when it comes to pulling together a quality loan application.

I know he’s my brother, and I probably shouldn’t be bragging about him like this on my blog, but he really is one of the best brokers I’ve ever known in the home loan industry.  He’s been in the lending industry for well over twenty years and has survived and prospered through several real estate booms and busts.  When it comes to mortgages and equity loans, Denny is definitely my hero.

Oh yes, and I think Denny is a pretty cool guy in lots of other ways too!

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