Were You Safe in the Storm?

Would you rather have $1 million or $75,000

Despite creeping unemployment numbers, there are encouraging signs the economy is slowly resuscitating. Housing sales in some parts of the country are up; consumers are loosening their white-knuckle grip; and there are fewer toxic assets on banks’ books. This is good news for Americans, many of whom lost significant amounts of money from their 401(k)s, IRAs, stock investments and more over the past two years.

But there are some people who didn’t lose ANYTHING during the recent economic crisis.

How is this possible? Read the rest of this entry

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Understanding Condominum and PUD Ownership

California’s builders, in an effort to combat the dual problem of an increasing population and a declining availability of prime land, are increasingly turning to common interest developments (CIDs) as a means to maximize land use and offer homebuyers convenient, affordable housing.

The two most common forms of common interest developments in California are Condominiums and Planned Developments, often referred to as PUDs. The essential characteristics shared by these two forms of ownership are:

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