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should we be worried about this, snebz -- cnbc contributors dolly lenz and herb greenberg.rned nothing? is this the way it's supposed to be, as value goes up people should tap that value had. >> it all depends on what we do with the money. home is biggie bank. the piggy bank effect is fine if we do the proper things with money, do things to improve the value of the home, so in fact it's just a double plus for our house and if we take the money and going on vacation an taking the money and buying a new car, if we're taking the money and buying something that depreciates it's very problematic. >> i wonder, herb, from your perspective how healthy all of this is and what level you can borrow and how you use it? >> i think the banks have clamped down what level you can borrow at. i don't think you can go 100% or over 100% anymore. >> which is what we were seeing. >> right. >> and what dolly said. putting roof on the house, a good use of money, and i was on air debating someone about it and you worry when you see it go up like that that people are taking money and buying stocks a

. >> dolly lenz, super broker -- though that's not mayberry on the ocean.hat was a big hint, wasn't it? >> that kind of threw me. >> where is jane? >> it's in seal beach, 35 miles from los angeles, so really like a los angeles beach suburb. >> a beautiful area. >> beautiful, fabulous. five blocks from everything. you know, smack in the -- half a block from the beach, five blocks from town, five blocks from the pier. >> and it's not as built uppo chi chi as other towns. >> like the owner of this house was a fireman. like the perfect person, middle america, fireman, great little house. >> which is the better buy, dolly? >> you know it's tough here. you have this great log cabin and then this adorable beach house. one bedroom does limit the resailability, which is why they're looking to add another bedroom for 60k. >> redfin was smart to set that up. i have to tell you for my money, and real estate is location, but it's also visual. for my money it has to be that beach house. >> the beach house? >> yeah, i could see myself going there. nobody can follow me. i

realtor to the stars dolly lenz joining us. wait until you hear where the winning house is located? with relooking at it now? could be. e financial noise financial noise financial noise financial noise all stations come over to mithis is for real this time. step seven point two one two. verify and lock. command is locked. five seconds. three, two, one. standing by for capture. the most innovative software on the planet... dragon is captured. is connecting today's leading companies to places beyond it. siemens. answers. >>> welcome back. so what's an investor to do when stocks are getting hurt, even as bond yields are declining? >> seema mody here to make the case for stocks. >> and dominic chu pounding the table for bonds. >> i'll start with stocks, a rotation out of stocks and into bonds, but given the selloff that we have seen, equities, kelly and bill, valuations have come down a lot which does make at least some stocks more attractiving right? second reason, rates are low and if there's one thing history has taught us when raise are low stocks tend to rise and third point, earni