Hi Friends, This past holiday season I was fortu nate to spend some time with my only child, my daughter, Savita, who lives in Berlin, Germany. She is finishing her master’s degree in journalism at an international university in Berlin, as well as work ing part-time for a company also based in Berlin. She came home for two weeks to spend time with me, her mom, and with extended family and friends. Two weeks is not a lot of time with all the social obligations that come with the holidays. Fortunately, she was able to extend her trip by one week and I was able to go on a ten-day road trip
Our next stop was to San Luis Obispo to see Savita’s mom, Kristina, and her wife Adrian. We stayed in downtown SLO, a few blocks from Kristina’s house, and enjoyed our time there with them.
down the California coast to end her time with us.
We started in Monterey, which has been a • FFrroomm tthhee IInnssiiddee...... “Can I get a mortgage while disputing something on my credit report?” • 10 Tips to Pay Off Debt Faster and to
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...And More Stuff Every Homeowner Should Know also enjoyed catching the sunset for the three nights that we were there.
Most of all I think she was enjoying sunny California while not missing the grey and cold of Berlin in the
Finally, we made it to Irvine to see my uncle and aunt, Gary and Maya Matkin. Some of you may know them and recognize them in the pictures
I am sharing with this newsletter. Savita flew back to Berlin from LA, and I miss her already.
Looking forward to the next time I get to see her either back home in the Bay Area or in Europe, for as long as she chooses to live overseas.
Hoping you all had a wonderful holiday season and a very Happy New Year. More on mortgage rates and market trends in the next issue.
If you are curious to see how you can use the current market conditions to your benefit, please reach out for a free consultation. Stay tuned here for future updates and feel free to reach out for a free consultation if you want to understand more about interest rates and mortgage products.

