Tina Vesecky

Nothing is worse than selfish people. Have you ever had a friend that was great until something did not go their way so they turned into a little brat? Whatever happened to being happy for people when things go well for them or if things are not going well being there to support them? This life is not all about you. Be a friend all the time it is a much more attractive quality.

OK so has anyone else seen the story about the mom giving her 8yr old injections of Botox every 3 months? Seriously? I have a hard time at 39 getting Botox every 6 months and this mom is doing it on an 8 yr old? This is so stupid. The mom says this will help her become a star? Really...why in the world would she think that will help her become a star? The only thing that it is doing is making her daughter have unrealistic ideas of beauty (oh by the way the 8 yr old wants a nose and boob job also). This little girl is WAY to young to be having any treatments at all. If you want to start her on something teach her proper face washing techniques and work on her personality and keep her in light exercise or dance classes. Get her off this path now before it is too late.

For all of you that think realtors have it easy and make a ton of money let me explain the reality of the new world of being a realtor. Realtors are paying more fees than ever just to have their license. As home prices fall so does the amount we get paid. Banks are putting clauses in their contracts now that commissions will be based off gross amount of sales price so if you negotiate a great deal for your buyer to have costs paid by the seller or bank a percent gets taken from your commission. Short sales are rampant in the market today and of course commissions are cut a full 1% on those most of the time as well. Add in increased gas prices and the amount of unkept homes on the market so you have to show more than ever to get something great...realtors are not really able to make a living anymore. We are doing 10X the work (changing contracts, extra disclosures, more inspections) for 1/4 of the pay we used to get.

NEW YORK (CNNMoney) -- High residential vacancies are killing many housing markets, as foreclosed homes sit on the market and depress sale prices and property values.

And it's only getting worse: The national vacancy rate crept up to just over 13% according to last week's decennial census report. That's up from 12.1% in 2007.

So if the government can't see form this that their lackluster attempts to do something to stop the bleeding I don't know what will convince them. Why don't they come out and speak to the people actually doing business and living in this economy and get the real ways to fix things.

I really wish some of the people making the laws would think about the outcome of their actions. So today its being announced that the banks may limit debit card transactions to $50 or $100 because the transaction fees for debit card purchases are being lowered from .44 to .12 per the Dodd-Frank bill. This will force people to return to checks, paying with cash or putting everything on credit cards. Government should stay out of business...they have no place in it. I agree banks are making money hand over fist right now (due to the bailouts that were forced on most of them) and regulation is good to a point but they are still a business and still employee millions of people they need to pay. I worked for a Wallstreet firm. I know how they work and I know how they make their money. Let them do what they do and get the economy back on track and stop protecting us from ourselves.

Is Charlie Sheen really confused on why he got fired? Come on if anyone rants, raves and acts like a drugged up lunatic I think it is only reasonable for your employer to fire you. He has been ripping apart his bosses and calling them names...then he demanded a raise to come back...really??

New mortgage info coming down the pipe...
It looks as though borrowers will need to come up with a 20 percent down payment if they want to snag the best deal on their mortgage going forward.
Per government sources, the Office of the Comptroller of the Currency and the FDIC have agreed on a 20 percent down payment for a so-called “Qualified Residential Mortgage” (QRM).
A QRM is a mortgage that will be exempt from the risk retention standards required under the Dodd-Frank Act.
In short, mortgage lenders who originate mortgages that are not considered QRMs will have to hold onto at least five percent of the mortgage before selling it on the secondary market.
That means mortgage rates on such loans will be higher than QRMs, because the latter will be less risky and more marketable.
The good news is that borrowers who are required to put 20 percent down will be able to get 10 percent of it as a “gift,” so it’s really only a 10 percent down payment requirement.
Additionally, FHA loans are exempt from the risk retention rules, so you can always go that route for a low-down payment mortgage.
However, mortgage insurance premiums on FHA loans were recently increased by another quarter-percent.
Looks like zero down mortgages were singled out as a major negative component of the ongoing housing crisis.
Back in January, Wells Fargo called for a 30 percent minimum down payment on QRMs, which critics felt would squeeze smaller lenders out of the game.

Enough with the Charlie Sheen stuff. This guy is all over the headlines. Everyone should do him a favor and stop talking about him because it is feeding him to do more press and what he really needs to do is get the help he needs and figure out a way to take care of his kids and be a dad.

It is so crazy that another "star" got in trouble for a DUI again. When are these people going to learn. If you want to drink get a driver (we know you can afford it) or take a cab. I just don't get it. They are also usually so drunk they are 2 or 3x the legal limit or more. They knew they could not drive but did anyway.