We often hear clients and just about everyone else expressing views they’ve heard from random sources about the state of the real estate market in the Palm Springs area. They sometimes repeat things that simply are not accurate and bear no relation to reality. We are not about hyperbole and anectdotal “evidence” that purports to support the unsupportable. Objective statistics are difficult to refute. The truth is that the Coachella Valley really is an anomaly and that the real estate market here is verifiably “hot”, despite the opposite experience of continued slow real estate sales at depressed prices in many other regions. What follows may surprise you, but it is definitely reason to stop procrastinating if you are a serious buyer or seller of Palm Springs area real estate.
Let’s begin with a Desert Sun article that appeared in late March:
AREA HOME SALES BUCK TREND, UP, 7.3 PERCENT Other regions saw drops in February; ‘People want to live here,’ broker explains
12:42 PM, Mar. 25, 2011 |
Written by
MIKE PERRAULT
The Desert Sun
Home sales rose 7.3 percent in February across the Coachella Valley compared to the same month a year ago, bucking a downward trend in Southern California and the nation.
The latest monthly home-sales tally also rose considerably from January, La Jolla-based DataQuick Information Systems reported.
The 848 existing homes, condos and newly built homes that sold last month in the valley was up from 727 in January, DataQuick reported.
Brisk sales of previously occupied condos — a nearly 31 percent hike in year-over-year sales — helped boost the valley’s real estate market, analysts and real estate professionals said.
The Coachella Valley’s home sales increase last month compared to an 11.2 percent drop for all of Riverside County and a 6.4 percent drop across Southern California.
Nationwide, sales of existing homes fell 9.6 percent in February compared to the same month a year ago, the lowest level since November, the National Association of Realtors reported.
The latest monthly home-sales figures illustrate how tough it is to compare the valley’s real estate market with the rest of Southern California or even other parts of Riverside County, said Jim Franklin, president of the Palm Springs Regional Association of Realtors.
“We’re unique here in the Palm Springs-Coachella Valley,” said Franklin, a broker associate with Prudential California Realty. “People want to live here; it’s not like they have to live here. So our market holds up pretty steady.”
The valley’s median price — half sold for more, half for less — was $200,000 in February, the same as February 2010, DataQuick reported. That was up from $181,250 in January.
Southern California’s median price was $275,000 in February, DataQuick reported.
Positive factors
Analysts with DataQuick and the California Association of Realtors said there appears to be enough potential demand that the pace of home sales is expected to increase over the next several months.
Low prices, low mortgage rates, available credit, signs of job growth and improving consumer confidence are among factors that could help boost home sales this spring, said John Walsh, DataQuick president.
“There’s pent-up demand out there,” Walsh said. “Lots of people have been waiting for the right time to buy.”
The Coachella Valley is getting into its prime season, with May typically one of the busiest months, Franklin said.
“At the end of the season, people start buying,” he said. “I think if people don’t buy this year, they’re going to come back and say, ‘Boy, I should have bought this.’”
Franklin said condos are selling well because many out-of- town owners perceive them as easy to care for and they’re priced well at a time when the inventory of lower priced single-family homes is waning in some valley cities.
Sales of newly built homes continued to struggle in the valley, in part because builders are faced with steep competition from foreclosed and other distressed properties.
The figure of 30 newly built homes that sold in the valley during February was down 48 percent drop from February 2010, DataQuick reported. In January, 23 new homes sold, a 39 percent drop from a year ago.
Foreclosure factor
Leslie Appleton-Young, chief economist for the California Association of Realtors, said a big decline in the median price statewide in January could primarily be attributed to the brief moratorium that some banks placed on foreclosures last fall.
As the foreclosures resumed, Appleton-Young said more distressed properties came onto the market, which led to an uptick in sales of lower-priced homes in January. It’s a trend likely to continue as lenders expedite the disposition of those properties, Appleton- Young said.
DataQuick analysts observed that foreclosure resales made up 37.1 percent of all existing home sales in February across Southern California, which was up from 36.8 percent in January but down from 42.4 percent a year ago.
Short sales — transactions in which properties are sold for less that what is owed — made up about 19.8 percent of all home resales in Southern California in February, DataQuick reported.
CDAR officials have joined the California Association of Realtors to urge banks, government officials and others with a stake in the housing market to make short sales easier, faster and more efficient.
Some homebuyers have been frustrated having to wait as many as three months for banks to respond do short sale offers.
Greg Berkemer, CDAR executive director, said “we know our market is recovering,” even if fluctuations in sales and prices is uneven or choppy from month to month.
Want some more data? Here is documentation presented by the California Desert Association of Realtors that corroborates the Desert Sun article above.
Have a look at this graph below for an illustration of the implications of waiting to buy. Not only are prices rising, but an increase in interest rates will profoundly impact the “deal” you want - and not in a way that will make you happy.
Windermere Real Estate has assembled some very telling stats. You will see how dominant the brokerage is over its competition, but – perhaps more importantly - the large volume of real estate transactions taking place in the Palm Springs area . While the doomsayers would have the uneducated believe that the market is flat, now we all can prove that this is hardly the reality!
Join in this discussion. What’s your thinking? Please comment through Disqus (below), our Facebook Page (www.Facebook.com/loveofthedesert) and Twitter (@loveofthedesert)!
Check out the Desert Sun story this morning about The Palm Springs Bureau of Tourism now participating on Foursquare.com – http://bit.ly/hp8CBD.
To clarify, the Bureau apparently has a list of 600 local vendors using Foursquare at its office rather than on its Foursquare page, and its page is actually Palm Springs Tourism Center rather than PalmSpringsCA.
It is great to see local businesses making use of social media and the creation of a Palm Springs group of vendors benefits everybody. Follow us on this blog and our primary blog (www.lovepalmspringshomes.com) to see how we creatively bring this marketing potential to reality through extensive use and expert understanding of the full possibilities of social media.
Hey, while you’re on Foursquare, please “Friend” me (Stephen Love, Rancho Mirage) and also don’t forget to Check in at Love of the Desert c/o Windermere Real Estate, Rancho Mirage!
With the 8.9 magnitude earthquake in Japan in the headlines, we extend our heartfelt empathy and condolences to the people of Japan. We are also reminded of our own vulnerability in California. As much as we’ve talked about the beautiful resort area of Palm Springs, we must also be mindful of the potential of an earthquake throughout California. Small tremblors tend to go relatively unnoticed and we tend to grow complacent. But what about a significant quake? It’s a good time for some reminders.
We all know that we must assemble an “Earthquake Preparedness Kit”, but most people aren’t sure what to include. The list below provides the essentials.
Perhaps most important is a plan:
1. Where will you meet if your family is not together when an earthquake strikes?
2. Have you arranged to have a list of all your prescription medicines, dosages and instructions online on a service such as GoogleDocs where you or someone out-of-area can access it for you or your doctors?
3. Do you have an evacuation plan if you are in a building or a gated community?
4. Does your Homeowners Association have a plan for checking on the safety of all in the development?
5. Have you appointed an out-of state contact who can coordinate communication in the event of phone and/or Internet service being down?
6. Would a gas power generator make sense to include in your kit?
7. Have you taken a first aid and CPR (cardiopulmonary resuscitation) course?
For anyone interested in Palm Springs California Real Estate, there is a new resource that will enable the user to search and research like a professional Realtor. This is particularly powerful if you’re a Seller who is frustrated about your listing having Expired without offers, and one who doesn’t want to repeat this exasperation!
The information in Listingbook comes straight from the Multiple Listing Service – as you probably know, the MLS is an association of Real Estate Brokers that agree to share listing information with one another. The MLS has the most comprehensive and current information about listings in your area. Listingbook updates that information hourly, giving Buyers and Sellers a trusted and dynamic resource to help make an informed decision.
SELLERS WELCOME INFORMATION!
This special Listingbook account that is being offered to you is the same that we provide as a service to our clients. This will give you access to the same database that we use in the real estate business that you can access 24/7 from any computer. Your account is free and loaded with powerful and helpful tools you will not find in any other service. It is extremely easy to use.
With Listingbook Sellers Have The Following Tools:
CyberCMA: Competitive Up-To-The-Minute Market Data
24/7 Access to Information on Your Competition
Local Price Trends
Your Property Exposed to the Appropriate Buyers
Daily Morning Report Showing Recent Activity, including:
Price Changes
New Listing Alerts
How Many Views of Your Property
How Many Marked Your Property As Favorite
Stay Informed About New Listings and Price Changes in Your Neighborhood.
See How Many People Are Interested in Your Home, and Get Measurable Results of Our Marketing Efforts to Get Your Home Sold.
BUYERS WELCOME INFORMATION!
As it will for Sellers, this system will give you access to the same database that we use in the real estate
business and you can access it 24/7 from any computer. It will provide you with up-to-the-
minute data on all the properties that are on the market that matter to you.
Your account is free and loaded with powerful and helpful tools you will not find in any
other service, and it you’ll find it extremely user friendly.
With Listingbook Buyers Have The Following Tools:
Days On Market
Price History
Map Reports
Open House Invitations
Price Reduction Notifications
New Listing Alerts
Property Photos & Virtual Tours
Buyer’s Favorites Folder
Make an Informed Decision and Find Your Dream Home
Receive Automatic Notification of Price Reductions and New Listings.
We are very pleased to be able to offer free real estate workshops for both buyers and sellers. This series will be updated regularly, so definitely bookmark the page and visit often. This is literally a (free!) treasure trove of information and tips that you can’t afford to miss. It’s a companion piece to the regular stream of essential information that our blog subscribers enjoy (if you haven’t subscribed, please do so by clicking the RSS Feed Button, or through the Subscribe by Email Button on this Blog Home Page).
Just click on the Screenshot below (or the Love of the Desert’s Workshop Link) and you’ll be directed to an introduction video and the first seven webinars. There is no obligation to do anything and nothing to buy. Of course, we are available to assist you if you’d like any additional information, or if you have any real estate questions. You may also search for all homes in the entire Palm Springs area (Coachella Valley) on this blog or our website.
Successful buying and selling of real estate these days is very much a matter of how well social media is incorporated into your campaign strategy. It is a fact that 89% of buyers and sellers of homes are searching the Internet before they set foot through a front door. These workshops will include tips about how to utilize the Internet to full advantage to ensure that you stay competitive. And definitely talk to us about the many other creative uses of social media to market your home for sale or locate your new home.
We are so excited about this opportunity to provide information, that we’d really appreciate your passing it on to your friends. Please “Share” on your social media sites , Click on the Facebook Like Button, Re-Tweet, Re-post, Comment on our Disqus section at the end of this blogpost, and otherwise spread the word!
Mortgage fraud is pervasive: An estimated $4 billion to $6 billion in annual losses result from mortgage fraud, according to FBI reports. “An entire community can be damaged by mortgage fraud,” says Rachel Dollar, a lawyer from Santa Rosa, Calif., and editor of the Mortgage Fraud Blog. Mortgage fraud can lead to a spike in foreclosures, home values plummeting, and lenders raising their rates and fees to recover losses.
The crimes are often complex, involving several parties and occurring over multiple transactions. To protect you and your clients, educate yourself about mortgage fraud and be on guard for any warning signs in a transaction. You can start by reviewing these five scams, and then test your knowledge by taking our Mortgage Fraud Quiz.
1. The Foreclosure Rescue Scheme
The Scam: “Rescuers” promise cash-strapped home owners that they can save their home from foreclosure. The rescue, which involves paying upfront fees, can take multiple forms, such as the perpetrator obtaining a new loan on behalf of the owner or by having the owner sign over the home’s deed and then rent the home until they can repurchase it. Eventually, the home owner loses the home, either to foreclosure or the fictitious rescue company.
Red Flags: With foreclosure rescue programs, borrowers are often advised to sign over the title of their house to a third party, become renters of their home, not contact their lender, or send mortgage payments to a third party, according to Fannie Mae, which provides fact sheets on mortgage fraud.
2. Loan Documentation Fraud
The Scam: This fraud involves numerous schemes in which a borrower provides inaccurate financial information — such as about their income, assets, and liabilities — or employment status in order to qualify for a loan with lower rates and more favorable terms. Occupancy fraud is one growing area: Borrowers say they plan to live in the property when they actually intend to rent it.
Red Flags: Documentation may raise suspicion if the employer’s address is shown as a post office box, accumulation of assets compared to the person’s income appears too high or low, the new house is too small to accommodate occupants, the person has no credit history, or the application is unsigned or undated, according to Fannie Mae.
3. Appraisal Fraud
The Scam: A faulty appraisal — saying a property is worth more than what it really is — is connected to many types of mortgage fraud. It entails manipulating or overstating comparables, market values, or property characteristics in order to obtain a higher appraisal. The higher property appraisal, which generates false equity, is done by falsifying an appraisal document or using an appraiser accomplice to obtain the higher value.
Red Flags: Be skeptical of appraisals that are dated prior to the sales contract, list comparable sales that do not contain similarities to the property or are outside the neighborhood, the owner is not the seller listed on the contract or the title, or a third party participating in the transaction orders the appraisal, Freddie Mac warns.
4. Illegal Property Flipping
The Scam: This entails purchasing properties and reselling them at inflated prices. These scams usually involve faulty appraisals and inaccurate loan documents. The property is then refinanced or resold immediately after purchase for an inflated value. The home is purchased at a higher price, often by straw buyers working with the “flipper,” and eventually falls into foreclosure.
Red Flags: Some key things to look for are rapid refinancing of a property; the seller recently having acquired the title or acquiring the title concurrent with the transaction; an appraisal that comes in too high; a property that was recently in foreclosure being purchased at a much lower price than its sales price; or the owner listed on the appraisal and title not matching the seller on the sales contract, according to Fannie Mae.
5. Short Sales Schemes
The Scam: Borrowers owe more than the current value of their home so they fake financial hardship and no longer make their mortgage payments. An accomplice of the borrower then submits a low offer to purchase the property in a short sale agreement. The lender agrees to the short sale, unaware that it was premeditated. The property, after being purchased at the reduced price, is then often resold at the home’s actual value for profit.
Red Flags: The borrower suddenly defaults on the mortgage with no workout discussions with the lender, an immediate offer is made to a lender at a short sale price, the short sale offer is less than current market value, or a cash back is offered at closing to the delinquent borrower (disguised as “repairs” or other payouts, for example) and is not disclosed to the lender, according to Fannie Mae.
You can report instances of suspected mortgage fraud to Stopfraud.gov.
Some unscrupulous people are preying upon the uniformed by soliciting payment for Grand Deeds that are available gratis. Riverside County has been one of the main targets for this fraudulent campaign. Be warned and please contact us (http://www.palmspringsgreathomes.com or email love@palmspringsgreathomes.com) for help or information about how to obtain your Grant Deed for free.
Palm Springs has always been like a sparkling jewel in the desert. With beautiful golf courses, luxurious resort hotels, highly-rated spas, restaurants, and shopping, and all the beauty of the incomparable landscape surrounding you, it has long been the diamond in the rough for Southern Californians (and visitors from all over the world) seeking a unique retreat. And if you’ve ever thought of buying property in this desert dreamland, or in equally appealing neighboring communities in the Coachella Valley (such as Cathedral City, Rancho Mirage, Palm Desert, La Quinta, or Indio), now is the perfect time, for several reasons.
1. The market is improving. While the numbers on foreclosures and bank-owned homes in California is still uncomfortably high, the market has finally begun to level out. This can mean several good things for prospective home buyers. For one thing, it may soon become easier to get a loan. Banks are eager to unload the many properties that are bogging them down and they are often willing to work with buyers to come to some sort of mutually beneficial arrangement. It is also important to buy while prices are still relatively low so that you can enjoy the best return on your investment. And amongst the many fine communities of the Coachella Valley, property is always a valuable commodity, so you really can’t go wrong purchasing a first home for your young family, a dwelling to live out your twilight years in the heart of desert beauty, or some turf and tinder that is purely for investment purposes.
2. Tax credits are available. If you thought you were too late to take advantage of the federal tax credit for homebuyers ($8,000 for first time, $6,500 for repeat), you were wrong. The offer has been extended to include houses that will close by September 30th (as long as a contract was in place by April 30th), so don’t shred your documents just yet. Service members who were outside the United States may also qualify for a 1-year extension, so look into the requirements if you think you might be eligible to apply. Finally, California is offering a state tax credit (to any taxpayer who purchases a principle residence before January 1, 2011).
3. Banks are on your side. As it turns out, many banks feel that homeowners make a better client than investors. It’s hard to believe, but you are less of a risk for lenders (and investors may have lost their opportunity by waiting for prices to drop further). So even if you’ve heard that lenders are taking a hard line when it comes to qualifying potential homeowners for loans, consider that you might be a wiser choice than a conglomerate that’s looking to flip properties.
4. It’s a good investment. Rental property is always a sound investment (barring natural disaster). Whether you plan to lease out to long-term renters, create a time-share, or cater to seasonal tourists, buying a home in Palm Springs could turn out to be a lucrative undertaking. Just consider, before you put pen to paper, what your potential live-ins might desire (tourists will want to be close to attractions while long-term renters might prefer to live near schools that their kids will attend or enjoy some privacy, peace and quiet, or a view). And if you plan to use your purchase as a primary residence (or even a seasonal home), consider that you are in a buyer’s market and your property will certainly increase in value since Palm Springs and adjacent areas are always desirable destinations.
5. You deserve it! Normally, this is not a good reason to buy anything. But if you have been smart with your money (saving up to purchase a home, working to earn an excellent credit score, etc.) then you deserve to reap the benefits of your planning and good sense. And with prices still low, plenty of properties to choose from, tax credits on the way out, and desert vistas beckoning, you should consider that now really is the perfect time to procure the home of your dreams in the alluring Coachella Valley.
The California Desert Association of Realtors has released some very interesting stats that support what we have been saying about the Palm Springs real estate market rebounding. It will particularly surprise many that conventional sales are outpacing distress sales (Short Sales and Foreclosures). This will go a long way in dispelling the false impressions that some people (and many in the media) seem to have. Our correcting inaccurate information will obviously be important to those of you who do not want to miss the opportunity to own real estate at a discount. Glad we can help!
Here is what’s happening in “Your Neighborhood” - Closed Residential Transactions, as reported in the MLS: 1/1/10 – 6/15/10:
Rancho Mirage
Total Closed Sales 309
Foreclosures 53 (represents 17% of the closed sales)
Short-Sales 30 (represents 10% of the closed sales)
Conventional 226 (represents 73% of the closed sales)
Palm Desert Total Closed Sales 613
Foreclosures 163 (represents 27% of the closed sales)
Short-Sales 66 (represents 10% of the closed sales)
Conventional 384 (represents 63% of the closed sales)
Indian Wells Total Closed Sales 111
Foreclosures 8 (represents 7% of the closed sales)
Short-Sales 4 (represents 4% of the closed sales)
Conventional 99 (represents 89% of the closed sales)
La Quinta Total Closed Sales 634
Foreclosures 172 (represents 27% of the closed sales)
Short-Sales 86 (represents 14% of the closed sales)
Conventional 376 (represents 59% of the closed sales)
Sun City
Total Closed Sales 131
Foreclosures 7 (represents 5% of the closed sales)
Short-Sales 1 (represents 1% of the closed sales)
Conventional 123 (represents 94% of the closed sales)
Data from the Desert Area MLS from January through May 2010 also shows an active market for luxury homes in the Palm Springs area.
Contact us today to schedule your appointments to see some amazing and affordable properties before prices rise. (Jumbo loans are available!)
Palm Springs area real estate is cooking. Don’t believe us? Have a look at the empirical evidence below. These are facts! With inventory at certain price points still relatively plentiful, interest rates still very low and loans being available (also ask us about Cal Metro Mortgage’s new Jumbo Loan programs), now is the time to invest in this market. You’ll want to contact us after you check this out:
Like so many of us on our birthdays, I was particularly introspective for much of the day on April 23rd. Thinking about life and my career in real estate, I pondered how it is that the years go by so quickly, and how time tends to change perspective. It was weeks later, just before Mother’s Day, that I was finally able to connect the dots.
My blog readers know that I am an exercise evangelist and work out strenuously almost every day. I’ve always seen this as a metaphor for tackling and surmounting business’ and life’s obstacles. So although I notice that it’s sometimes more difficult to remain in the top fitness percentile of age groups younger than me, I do so to prove to myself that I can stay competitive, strong and focused. It’s all about passion for succeeding. I also have another motivation that I’ll get to in a minute.
As I pondered, I recognized a common thread that ties together several of my different activities to one underlying theme. You probably have a similar pattern. The realization that I want to share is that many of us embark on various endeavors without seeing the common thread in each of these activities. Why is this important? Because recognizing patterns (themes) allows us to continue or change them. It may seem obtuse at first, but the premise will hopefully resonate on several levels as we connect the dots.
THE THEME
A recent Social Media Examiner article by Ruth M. Shipley references Joseph Campbell’s famous line ” Follow Your Bliss” and also quotes social media entrepreneur Gary Vaynerchuk suggesting “If you’re living your passion, you’re going to want to be consumed by your work. The passion and love for what you do will enable you to work the hours necessary to succeed.”
The central theme I discovered is a passion for striving to be the best at whatever I attempt, and wanting to making a difference in whatever that context. Check this out:
We all agree about the value of educating oneself to allow deep-dive questioning regarding any subject too important to leave to the sole judgment of others. Right? The news media has been chock-a-block full of stories about happens when we don’t delve into subjects and ask pertinent questions. I don’t have to tell you about the real estate meltdown from which we are just beginning to emerge. However, you may not be as familiar with another example of what could happen when events are allowed to unfold with inadequate oversight and/or regulation. We’ll get to those illustrations a little later.
So continuing… my reflections segued into thinking about my real estate career, and how we try to add value for our clients. Our approach to our business is to earn trust by listening carefully and providing a wide range of material facts that allow people to fully understand the issues so that can make informed decisions to achieve their goals. Our “Love of the Desert” branding speaks to our belief that we are a new generation of Realtor who offers information and facilitates rather than sells (see our Inbound Marketing blogpost). Our genuine objective is to help our clients.
BABY BOOMERS AND ALTRUISM – AN OXYMORON?
I confess to not always being so interested in altruism. Baby boomers are notorious for being self-absorbed. What caused a transformation in my case?
It’s currently a few days before Mother’s Day 2010 and suffice it to say that there has never been a son who loves his mother more. I have overseen my mother’s healthcare for the last 12 years. Working through the effects of several serious maladies, I’ve learned a great deal about the health care system and its providers, from physicians to caregivers, to the whole gamut. I’ve also been able to experience how the mindset that compels one to become the healthcare quarterback spills over to everything. It becomes second nature to recognize when “experts” aren’t experts and when someone needs information rather than someone’s authority. The recognition of having to take charge becomes a call to action. It becomes all consuming when a son fights for a parent who cannot fight for themselves any longer. Complex medical analyses, constant questioning and oversight and partnering with doctors in decision making at every turn becomes imperative. The arcane world of health insurance parameters, Medicare, prescription coverages, etc., makes the process all the more mind-dumbing for any of us, nevermind a diminished senior. But I digress. The pertinent point is that I have come to understand that part of my mother’s legacy is the caring she has taught me.
HERE’S WHERE WE CONNECT THE DOTS
What does caring for my mother have to do with real estate…and how does exercise intersect?
1. A disadvantage is a disadvantage, whether it’s a senior needing assistance understanding and harnessing the vagaries of healthcare, or anyone trying to navigate any field without adequate knowledge.
2. As responsibilities for my Mom demanded that I obtain as much information as possible to accurately weigh the advice received from the “experts”, the process re-confirmed that our clients required as much information as we could give them in order to properly consider our real estate advice.
3. Motivation for striving to stay in top physical and mental shape is probably mostly the same for any of us for realize that this is our foundation. We also realize that exercise is also a metaphor for disciplined methods of accomplishing goals.
THE EPIPHANY
Have a look at the following two videos. In a video posted on the AC360 Blog (was it coincidence that it was on my birthday?), from an interview on the CNN newscast the day before, Dennis Quaid talks about the harrowing experience he and his wife, Kimberly, had when a Los Angeles hospital over-dosed their newborn twins with blood thinner, Heparin. When you realize that one cannot ever assign responsibilty to the so-called experts, you become informed enough to contribute to major life decisions.
The take away from this birthday mind excursion is an embrace of the old addage: “Knowledge Is Power”. It’s essential to stay on top of your game by working to maintain physical and emotionally stability under pressure, and it’s vital to obtain as much information as possible to be able to accurately weigh and consider advice you receive.
I feel good about our efforts to educate our clients rather than sell them – in much the way that I feel satisfied that my mother has every advantage in her fight to overcome some daunting medical issues because of my quest to absorb all I can to help her. But what about all the people (older or younger) who need but don’t have patient or real estate advocates?
(Over time, I will expand my patient advocacy to try and help others. No question that doctors and support staff are well intentioned. However, there are levels of expertise and many other issues that affect quality healthcare. As you’ll understand reading Evan Handler’s interview, below, his is not an isolated case. It is vitally necessary for us all to help. I invite you to join me in finding ways to do so.)
Please Share on your favorite social media, Re-Tweet and Comment.
