This video is interesting because it shows that there are still real estate cheerleaders out there. In the coming months, I think we are going to see more and more of them. They will grab any piece of "good" statistical data and turn it into an absolute barometer of the market's bottom.
In this piece, Peter Schiff, who has been deadly accurate in his predictions on housing, debates cheerleader, Danielle Babb:
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I looks up the lady Schiff was debating. Here's here website:
Dani's Website
Do not be overly impressed by her "PhD." It's bogus; she got if from Capella University. Capella is one of those bogus online-only schools with open enrollment. Basically, it's a diploma mill.
Capella is not a diploma mill; it has the same accreditation as any northeastern fully accredited regional university.
Hi everyone.. this is Dani Babb, the so-called "diploma mill PhD". I'm glad that anonymous "looks up the lady Schiff" was debating; I can tell where his education has led him.
Schiff is continuously Dr. Doom. I've never seen him bullish on anything. There ARE areas of the market that have excellent deals right now. In stocks, you'd want to buy low and sell high right? IF this is even close to the bottom of the market (which I clearly state in the video no one knows for sure when that will occur nor can anyone predict it), then this is essentially a great buying opportunity. I personally would never go off of Schiff's comments due to his continual doomsday outlook on the entire US Economy. He once called the U.S. the Titanic! I suggest you check your facts, Mr. Anonymous, on everyone you intend to belittle with your bogus claims.
Go Team, Go...
Cheerleading Dr. Dani
Capella is certainly not a diploma mill. Many highly intelligent individuals have graduated from there and some have not even been able to graduate because of the demanding curriculum. In any case, Dani's Ph.D. shines in comparison to your GED.
I would like to start by informing you sir that I personally have helped develop courses for Capella University. Any attack on them with regard to the quality of the education they offer is indirectly an attack on me. I do not take to that too kindly.
Second, considering that your little lonely blog posting triggered a Google alert, you just gave the person you are trying to discredit free publicity.
Additionally, I would seriously consider wagering some money on the chance that you, the original poster of this blog, are indeed Schiff himself, with what is ultimately a feeble attempt at regaining some 'credibility' or even so far as to say your 'manhood' considering that you got your rear end served to you on a silver platter. By an attractive and intelligent blond, half you age, nonetheless.
In closing, if you...I mean, if Mr. Schiff is so almighty, then why is it that Dr. Babb is seen on Fox News, Fox Business Channel, CNBC, CNN, and pretty much every other major news network on a weekly, and at times a nightly basis. Rumor has it she'll be on The Today Show in a week or so with an entire 20-30 minute segment.
Last I checked, you...err...Mr. Schiff hasn't even come close to that amount of airtime. I guess the guests with the education and the expertise get the spotlight. I wonder how much in advertising money EuroPac offers to Fox to get Mr. Schiff his 30 seconds of fame every now and then.
Good Evening.
Dani,
Your statement on the video was that you predict housing prices will drop another 5%. You're probably right on a national level, but South Florida (Dade, PB, Broward) are going down at least 30% in the next 2 years, correct? Again, no one knows for sure, I'm just asking for your prediction for those three counties, so we can all circle back a couple years from now and see who was closer to the truth, you or Peter (who in my opinion is crazy if he thinks So Fl property is going to go back below 1999 prices).
The Capella comment sure generated a lot of anon responses.
Well like you said no one can predict. But, in my opinion from watching the trends in those counties on Realtytrac, they are so over inflated with investors they have a ways to go. In some of those areas many of the stats I've read showed 50% of the buyers were investors compared with 25% on a national level. From what I have seen so far, nearly every area (Bullhead City, AZ and Henderson, NV to name two - I could name hundreds) that were heavy investor areas have already dropped more than that; and they continue to fall rapidly.
So in my opinion, those areas in Florida will fall more than 5% I feel the national average has to go.. perhaps closer to 10 to 20. I believe my home state will also suffer such fate. (California)
However - I think one major reason for this is that interest rates have not fallen along with the fed rate cuts. There are a lot of reasons for this of course, including banks distrust of one another and the need for reserves - fear of lending, not knowing what to do with stated income borrowers (who aren't just trying to get a "liar loan" - some have commissioned income or even tips and those are the only types of loans that will let them into the market). Until we see lending ease, I don't see this going away.
I do not think for one second that South Florida is going back to pre-1999 levels. In fact I'm sure enough that I'm actively looking for property to buy there myself because, strictly in my opinion, if you can hold for 5 to 10 years you're going to be one happy camper regardless of where you buy. I also feel the same way about homebuilder stocks. You may get them 10% cheaper tomorrow, but you aren't going to care if you paid $5 or $6 in ten years.
But, the markets that dropped the most in my view will give us the best return the end.
I guess we shall all see. :)
Until then I'm sure the lively debates will continue, and I look forward to them!
Dani
Duck,
ROTFLMAO!
She IS a piece of work.
4 comments in 29 minutes? You KNOW they were all hers.
How many personalities do you have Dani? Will the real dani please stand up!
So dani is now developing courses for capella?
Trashing the SFHB and defending her "diploma" in first person AND anon.
LOL
bla bla bla, I take it she has purchased a home at the top of the market and is now trying to keep the price up the best she can. I'll look her up and run a credit report on her, bet she is looking to take a loss herself...
bla bla bla...
? Can you get laid at that college???
Sorry, but I agree with the original poster, Capella is a diploma mill.
I hate to be elist when it comes to education, but there are many tiers in tertiary education:
1. The Elite School (Harvard, MIT, Stanford)
2. The top-notch state schools and large privates (Michigan, Florida, Miami)
3. The Regional Schools (FAU, FIU, St. Thomas, Rollins College)
4. The Brick-and-Mortar Open-Enrollement Schools (Nova Southeastern, DeVry, MDC)
5. The online-only dipoloma mills (Capella, Phoenix Online, Kaplan, etc.)
Anyone who has spent any time in "real" academia does not consider the last group as a genuine education. At my regional school, we do not accept applicants to our grad school if they received their undergrads at one of these online diploma mills. Most employers don't consider them a real education.
Most importantly, the rigors involved with getting a "PhD" from one of the latter group of schools is simply nowhere near the rigors encountered in the first three groups of schools. There is absolutely no comparison.
Ms. Babb, you can call yourself "Dr." all you want; that doesn't mean the rest of us have to buy it.
On a side note, I checked out your website. No real academic would have hundreds of pictures of herself in bikinis on her "professional" website. If you want anyone to take you seriously, I suggest you move the bikini shots off your "professional" website and on to a personal website. You already lack credability with your Capella "education." There is no reason to make it worse with gratuitous partially-clothed pictures of yourself. Just a suggestion.
finance prof,
Obviously, you could easily hire anyone with a brain to complete an online course. How credible is that?
Maybe she owns a condo in the 'red hot' Miami market. LOL
Wow. Throwing accredited schools like Phoenix, Cappella, and Walden into the category of the diploma mills does a disservice to a lot of us who worked VERY hard to get through those programs. I have done the traditional Brick-and-Mortar schools and also their online counterparts. Not only did I work harder during my time in the online degrees but I also learned quite a bit more. Have you ever taken an online course? Just wondering if this bias is based on personal experience or if you are simply casting your vote based on speculation?
What do personal pictures of Dr. Babb have to do with her professional capabilities? Dr. Babb is a REAL person who does more than simply sit in an office. She experiences life and enjoys it! It is good to see a PhD who doesn’t act like a pompous individual who believes that their way is the only way. There is a world beyond your office walls. Get out and experience it! Oh wait, that requires you to live outside your “Brick-and-Mortar” office.
I really don't know who you is posting these messages...but I want to respond to the anonymous poster who was is convinced that Peter Schiff was responsible for comments on this site that cast dispersions on Danielle Babb.
I am Peter's brother and I can absolutely assure you that he, nor I, had nothing to do with that posting. Normally I wouldn't take time to enter into this debate of yours, but when people start slandering others just because they feel like it...a response is necessary
-You claim that Dani is taken more seriously in the media than Peter. Really? Do a Google news search on Danielle Babb, and another on Peter Schiff...see what you get. To be generous to Dannielle, its 10to 1 in Peter's favor.
As for TV, Peter has made 32 appearances on national outlets since Sept. 1 of this year (Fox News, CNN, Headline News, CNBC, and Fox Business). Of course, Ms. Babb must have been on hundreds of times during the same...right? And contrary to what you claim, Peter has never paid a dime in advertising for exposure on television...that's not how it works (I'm surprised that a poster of such clear sophistication -- after all you have designed courses for Capella University -- doesn't know that.)
-Both Danielle and Peter are authors. Babb's book came out in June of this year and is ranked #33,000 on Amazon in terms of current overall sales. Schiff's book is ranked #620. Wow, its a squeaker.
-And lastly, in terms of accuracy of forecasts, Peter is almost universally credited as being one of the few to have predicted the real estate crash and the credit crisis. He is on record going back to 2005 on the subject. What did Dani have to say back in 2005? At the same time. Peter steered his clients towards non-dollar stocks and commodities, assets that have performed spectacularly for most of this decade.
Andrew SChiff
I'm amazed at the personal attacks on this site! Normally, like Andrew, I would not bother to respond, but felt compelled to. First, my site is a personal site. My friends and family go there to look at vacation pics. Not that it's any of your business.
Second, none of those anon posts were me. I have posted under my Google name, Danielle.
Third, Capella has a very rigorous education. I actually teach at one of the "ivy league" on ground schools you mention, and it isn't any more difficult for those learners than I had it. For those of you who don't know, we still have a residential requirement! Some online schools ARE diploma mills, which is why I prefer to work with only accredited universities.
I also agree with Peter's brother; he's gotten far more exposure than I have and he's been predicting the market for years and with some accuracy as of late. He is more experienced than I am. My book has hit #300 on Amazon, his consistently sits there. His work is more read than mine. Period. That doesn't mean I don't have a valid opinion. In 2005, I was investing and writing Commissions at Risk.
There is no dispute in my view over his credibility. He is on the "doomsday side" often however, and I personally don't feel the economy is being run into the ground, but hey - that's just me.
Perhaps we could use this blog to debate the actual topic.
Dani
Danielle,
I appreciate your comments and I apologize if in my zeal to counter the anonymous posting I may have directed my fire too closely in your direction.
Peter has no problem with those who disagree with him...we are just trying to keep it civil.
He looks forward to meeting you again in TVland.
Andrew Schiff
Didn't realize that Google Alerts flags comments in blogs, too. Interesting.
Anyways, I don't think we need to get into arguments about academic accreditations. If Ms. Babb had a Harvard MBA would you (the anon poster who called Capella U a diploma mill) have agreed with her any more?
My point is: who cares what school a person went to? Ben Bernanke went to Harvard and MIT and I think he's either a moron or full of BS (or both). It's the evidence (or lack of) you give that provides merit for your arguments.
Let's keep our arguments based on evidence and data and rather than academic rankings.
I for one would just like to state that I have no issue with the display of bikini photos on Ms. Babb's web site.
Well, actually if you could just organize those shots into a seperate, easy to navigate page of the site it would be highly appreciated.
hopeless
TOO FUNNY!
Likewise Andrew, likewise. :) Healthy debate is great. Let everyone make up their own minds. I think he has some fantastic arguments, and I respect those who have more experience than I. When I worked for a homebuilder (partly in and partly out of the "hayday"), they made adjustments to production in weekly meetings based on how the market looked.
When I was in NY, I was told by someone we see on Fox News (he's about 30 years my elder) regularly (he's a very well respected gentleman) that one year I'll see it his way.. after I've been through several booms and busts. :) hehe He of course was polite and kind, we just disagreed. Perhaps he is right.. but for now, Ill keep my positive outlook...
Hey, if it were my brother, I would have fired as closely as I could, respect that completely. I'm glad you brought some intelligent discussion to the debate, as well as the more current bloggers who realize that none of us can predict what can happen.. most didn't predict the original housing bubble either. I personally think the NASDAQ is going to crumble and that emerging markets are where our stock investments should be.. but what do I know.
I look forward to another TVLand debate.
Take care,
Dani
Hey- I've taken classes online and on iste, and I can tell you Capella is very hard, I couldn't pass the PhD courses, and I have a 4.0 in my MEd from a very good college in Boston.
Caprlla is a wonderful school to get your graduate degree. It is accredited. It is not a diploma mill
Which "ivy league" school exactly? and a PhD in what exactly? It's almost embarrassing that one would even admit to an on-line doctorate degree. That's too funny. Funnier even than the 5% drop in prices we can expect.
I was able to sell my house last year, without a PhD, for about $360,000. I made sure that the sales price was always the lowest in my area. Now houses in my old neighborhood are starting around $255,000. There are at least 7 house for under $300,000.
Here are a couple of examples:
For Sale $255,000
Paid $390,000
2585 NW 80Th Av
Margate, FL 33063
MLS ID# F855230
For Sale $269,000
Paid $380,000
2461 NW 72Nd Av
Margate, FL 33063
MLS ID# D1211249
I moved out of Florida :-)
Hey Dani...this is Alex. As usual, you have a way of making people infatuated with you. Those of them who will comment to this post, either positively or negatively, will prove my point. :)
By the way, for those of you who are questioning Dani's credentials, I know for a fact that her IQ hovers at around 140.
Alex,
Perhaps Capella didn't teach you the difference between "infatuation" and "controversial".
California (granola-land) breeds more than it's share of fruits-n-nuts-n-flakes.
And people who post anonymously in the third person defending themselves while attacking others.
Never heard of danni till today, and my impression is she's the madonna of real estate, a shameless self promoter, unlike a virgin. LOL
You're right...I didn't learn that in college. I actually learned it in grade school. Was that what your college curriculum focused on?
Anyway, I'll take a third-person Dani post over your first-person post any day.
I'm glad that you find your own posts "LOL" worthy because I don't believe that anyone else would acknowledge them as being even remotely humorous. Pint-sized bloggers like yourself who hide behind their monitors and keyboards are pathetic. At $140 a foot, you're worth about $280.
Interesting article in USA Today
Consumers who pulled money out of their homes as the market soared in recent years will also be in for a shock as home prices fall during the worst real estate recession since the Great Depression.
Kuttner says he believes that consumers' recent "reliance on home equity and credit card loans isn't because middle-income people are going on shopping sprees, but because wages are squeezed."
Home-equity withdrawals accounted for up to $324 billion a year in consumer spending from 2004 to 2006, according to estimates from Federal Reserve economist James Kennedy, based on a paper he wrote with former Fed chairman Alan Greenspan. These withdrawals and related consumer spending plunged in the first half of this year as the housing market weakened, according to updated estimates from Kennedy.
In many parts of the country, home prices are expected to drop through next year, with the biggest discounts in Florida, California, Nevada and Arizona. Those declines will curb consumer spending.
By the time the housing slump bottoms out, $1.7 trillion in housing wealth will have been lost, economic consulting firm Global Insight estimates. For each dollar that a home falls in value, consumer spending falls by 4 cents to 9 cents, Fed Chairman Ben Bernanke recently told Congress. That could lead to a drop in consumer spending of as much as $153 billion over several years. While that's no pittance, it's only a fraction of the $9.2 trillion that consumers spent in 2006.
Consumers, in turn, are likely to have difficulty gaining access to money. Peters, the Morgan Stanley credit strategist, says the "virtuous cycle of packaging and selling credit has turned vicious."
"The impact on the economy and consumers has yet to fully play out," he says. "We're still in the early stages."
Gee 'alex-danni-anon"
Truth hurt? HAHAHAHA LOL
Shame the rest of us don't take you as seriously as you do.
Wow,
What a bunch of negative spewing of baseless claims.
If I wanted to, I could point out that you stated that you hate to be "elist..." I've never seen it spelled quite like that before. Well, we at Capella prefer the term elitist when referring to people who spent way too much money at schools like Harvard and Yale and get angry because others can get an excellent education for a lot less money. Then, cognitive dissonance gets the better of them and they simply claim that it can't be as good if it's not as expensive. That's a simple-minded assessment.
I'm sorry you never learned to spell elitist in college, grade school, or otherwise. You wouldn't happen to be the guy who failed out of Capella and recently lost a law suit, would you?
I would like to ask you how you define diploma mill. The department of education has a very strict definition of what a diploma mill is, and if you'd like to visit their Web site, you'll see their absolute endorsement of Capella University.
A diploma mill is a school at which you pay money in exchange for a degree. Would you like to review my coursework at Capella? Perhaps read my comprehensive examination? Better yet, you'd better enroll and take a course since you're so quick to make such a ridiculous claim regarding a school about which you know nothing.
I invite you to wake up and see the future. I would bet that you have never taken an online course from a credible university. I teach at two brick-and-mortar universities, one of which is in the University of North Carolina system. Capella's curriculum is much more stringent than either of those.
Since you're in the business of trashing doctoral programs, I'd like also for you to share where you earned your doctorate. If you don't have one, you need to stop thinking you're qualified to rate them. If you did have one, you would have learned to think on higher levels by now and you wouldn't be embarrassing yourself like this.
Enjoy bashing Dr. Babb, and enjoy watching her on TV as she continues to succeed. I think you should take down her bikini pictures from your bathroom wall and grow up as well :)
Best Regards,
-Bill
So I guess this is Andrew Schiff website because why else would he post to this blog? I have a brother and I do not surf the web defending his honor. Either way it sounds like Capella was too hard for anonymous because this comment sounds like jealously. Oh, poor little anonymous you must feel so much better throwing stones from the dark. Who are you to judge and not be judged? Come forward and let us all know who and what you are so that we can analyze your life. I might not agree with everything Dr. Babb said in her interview or even care if the market will go up or down in the near future. I think both sides have excellent points but character bashing is the fall back strategy of a weak mind. If you had a good argument you would not have to try and assassinate your opponents character. So anonymous come forward and show yourself, or shut up and go back to the darkness as a coward.
Honestly! All of you idiots with nothing better to do then banter about bull shit. I'm speechless. Or am I?
I suggest you all grow up and stop the bickering. Who gives a shit about what school does what and who's wearing what in the pictures and who develops what for whom. My gawd people. I don't care if you're Einstein himself...you 'educated' idiots are SO important that you come to Blogspot to talk crap. Get a life!
By the way. Just in case any of you didn't already know this...
This is a public blog. Who knows who's who and what's what? In the end...who cares? Go out and get laid or something. Anything! Just so long as it's real and isn't confined to some random Google server. It would be more productive then sitting there at your pc monitor 'fit to be tied' about what some jackass half way around the country has to say, while they sit in front of their pc monitor in their underwear, also 'fit to be tied' about shit that doesn't matter.
If this was your last 30 seconds in this life, is this what you'd want to spend it doing? Worrying about random strangers posting random thoughts about random things?
Try getting out there and spawning some real relationships. Might even make you all happier people, who don't need to bicker back and forth about who said what and who stole your lunch money.
In conclusion, go out and spend some time with the people that you love. Stop wasting your life and energy on random blogs that do absolutely nothing to benefit this life. Try talking to the people around you (you know, real people who are in your everyday life and should come before, above and beyond this blogger crap) versus spending hours having shallow electronic conversations with people you'll probably never meet and probably would never want to, even if you had the chance to.
May you ALL see what's trully important in life and have the strength to drop the bull shit (i.e. this blog, including any and all claims, names, and blames) and leave it in the past.
That's my soap box for the day.
Anon,
I appreciate your sentiment, hoping that you realize that you, too, are spending equal time reading and responding to this blog. Oops!
I enjoy being called an idiot by someone who is making tons of generalizations about me and assuming away the entire time.
Yes, I'm an academic. I do, however, only work two days/week at the university and I spend more time with my family than anyone else I know. Shall I generalize about you and say you probably hate academics because you work 80 hours a week putting a screw in a hole or something? If, in fact, that is wrong, try to think about how that feels before you explain my entire life to me based on the strength of one blog post. Duh!
Also, I'm not fit to be tied. I enjoy debating the ill-equipped as much as anyone. Besides, Dani Babb is my friend, and defending her is a thing you do for friends and loved ones. So before you pigeonhole me into some unloving hermit who doesn't do anything but blog, you should know those things. You should also know that this was like my third blog post ever. I will blog again if my friend is mindlessly attacked.
I know she'd do the same for me. How's that for spending time with loved ones?
I could continue on refuting the "dumb shit" you have written here, but I prefer to just serve you quickly and scoot on out to work instead.
Get smarter,
-Bill
P.S.- Feel free to reply yet again to this "waste of time" blog. I'll be sure and call you what you are: a big fat hypocrite.
Oh, and I just realized you wrote your response at 4am. Should I give you a lecture about getting some quality sleep before you write a cranky middle of the night blog post hurling insults at someone you don't know?
Thanks for the fun. You're awesome.
-Bill
This one "dani" is "looking to buy there" obviously has no standing which is one of many reasons why one is justified in simply disregarding her opinion as being laughable.
Where do these people come from?
Wow!
I never thought this video would get this much discussion.
I simply thought this was a good discussion; nothing more; nothing less.
I've seen Peter Schiff a number of times on a variety of business shows and I happen to agree with his analysis. If anything, I think he downplays the impending crash.
I have nothing against Dr. Babb and I respect her opinion. I happen to think she's dead wrong, but that doesn't mean she deserves the trashing she got on this thread. She presented her opinions well on the video. She's obviously well-educated regardless of where she went to school. At least she wasn't one of those cheerleaders who are claiming a full recovery by Spring.
As for the person who wonders if blog belonged to Andrew Schiff, I can assure you it does not.
I have no idea how both Andrew Schiff or Dr. Babb found this blog, but I am happy they found it. I hope they return.
Thanks for the well-balanced response. I know Dani appreciates it, too. No one expects everyone to agree on everything, just to be a bit civil in the disagreement and not to resort to ugly tactics and unfair low blows.
I'll be sure to keep an eye on your blog in the future. Good job!
*I removed the previous post due to a typo :)
Reply to SFHB,
RE:"I have nothing against Dr. Babb and I respect her opinion. I happen to think she's dead wrong, but that doesn't mean she deserves the trashing she got on this thread."
With all due respect, some anon poster commented that he/she thought Capella was/is a diploma mill. Not really what I would call a "bashing".
Then in a 29 minute period the blog was hit with a flurry of emotionally charged comments from anon, and danni.
IMHO, and based upon the tone, frequency and intensity of the comments, I believe they were all danni's comments.
She "assumed" the blog was Shiffer's and let us all, in our 'lonely little blog' have it.
So the "trashing" was coming from the danni camp.
Therefore I personally think she deserves whatever she got.
This is crazy. I can assure you those comments were not from me. I posted as myself, which is DANI (not Danni). I have no problem expressing myself when it is MY opinion (as you saw from the video) and have no reason to hide behind an anonymous screenname. You need to take that accusation elsewhere.
Dani
It is pretty interesting that out of the 40 some comments that VERY few posts actually contain any statistical data to disprove the comments Dr. Babb made. Not sure I count an improperly quoted "cut and paste" from the USA Today as a valid argument. Instead, they are personal attacks against her, her degree and her website.
Any individual who knows anything about debating knows you attack the facts not the person. Prove your point with statistics instead of trying to discredit the individual you are debating. This isn't a political campaign! :-)
I've actually taken classes from Dr. Babb and can say that she runs a top notch class that is very effective. She is very knowledgable about the topics she teaches and talks about. She backs them up with data and doesn't mind debating the sometimes controversial topics she talks about.
Jeff,
I'm glad you mentioned the USA Today, which is a popular press publication. These non-credentialed accusers of Dani probably don't realize that you can't simply believe everything you read in the popular press because they've believed it their entire lives. They probably have never heard of peer-reviewed journals either. They still feel qualified to judge, though.
You have to actually learn to read scholarly work that is filtered through several experts in order to truly accept something at face value. Even then, you should evaluate the results for yourself.
That's precisely why so many politicians and corporations get over on America. Because all they need to do is get their propaganda into the USA Today and everyone named "Anonymous" will accept it like sheep.
In fact, those who called Capella a diploma mill probably read it on some random Web site and accepted it as a gospel truth. Didn't bother to check the US Department of Education's opinion (the very entity that's all on Harvard's proverbial nuts). It was probably Crapella.com, owned by a disgruntled former Capella student who failed out twice.
Learn from history, folks. The government has been using the popular press forever to tap into your common stupidity. Ooh, that's gotta hurt.
By the way, why are you seriously debating anything you saw on Fox News Channel anyway? Remember when Scott McClellan outed the president and vice president a week or so ago about leaking Valerie Plame's ID? Fox News buried it ten pages deep. Whose side are they on? I realize of course that the same arguments can be made about CNN, MSNBC, etc., so don't go making this a partisan thing.
Thanks Jeff for the kind words on Dani. I think she's kinda cool, too :)
Regards,
-Bill
Anonymous said...
Which "ivy league" school exactly? and a PhD in what exactly? It's almost embarrassing that one would even admit to an on-line doctorate degree. That's too funny. Funnier even than the 5% drop in prices we can expect.
November 26, 2007 4:57 PM
Bill, PhD's Reply:
By the way, median house prices fell by a record amount in October according to a study released yesterday. That's about 5.1% (Natl. Assn. of Realtors)
What's funny now?
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