we want to hear it from the realtors and the credit unions. anybody who has line of sight in this market in order to think about what that means. ok. thank you. >> thanks. >> now for our panel today. they can come up and i will introduce them as they start to come up. representing various aspects of our industry and we are looking forward to hearing from them. kibbey, the first i would like to introduce. us the lending perspective. he has been the primary legal counsel to the lending company since 1976. including the creation of the lending division and its recent expansion. century, he was a recognized leader in financial services and litigation. he has been repeatedly of the topas one is the - attorneys for litigation. cfpb taskved on the force testifying before congress on regulatory reform and its affect on community mortgage lending. he is in our undergraduate from tulane university and tulane law school. thank you for joining us. >> thank you for having me. schnare.n here she is. i think there is another chair. is there not? seat.n have

i am chris paul leechrome, 2014 president-elect of the national association of realtors. i am the only practitioner here that actually lists themselves real-estate for a living. so i have something i have been doing for 25 years. i live in hot springs national park, arkansas. i want to thank each of you for helping the national association of realtors started the year off with this discussion today. we are going to talk about the ability to pay rule, we are going to talk about mortgage lending and what affect consumer financial protection bureau new rules come in to affect this friday might have on that process. it is an issue that is very important to the real-estate industry. it is also very complicated. many people have worked long hours to sort out the implications of specific language designed to improve the loan experience for consumers. through it all there has been a common goal to ensure consumer protection from risky loans but maintained their ready access to credit. a tough balance. at any hour we have been very involved in shaping the debate surrounding this i

. >> at one point we discussed working with the board of realtors to develop a program to explain historic preservation to them so they could perhaps explain it to potential clients. i wonder where are we on that. were they interested >> we're actually arthritis the california prestige so they've set up the infrastructure there are 4 exponents to that program and it's going to be 3 realtors or have a single reality firm looks like pacific union basically, it launches in march. thank you, mr. fry and a commissioner just in response to commissioner matsuda's question going i don't have any information about the meeting but we'll disseminate it to the h pc. and one quick disclosure i went over and did a quick peak at the veterans building this morning and want to see how the light impacts. any other - >> commissioner matsuda. thank you. i want to be informed about 18 street and i thought ms. howard brought up a good point and i want the material agendized about the recreational element >> thank you. commissioners, if there's nothing further we'll move on for consideration fortunes item 10 at

i'm not sure that's possible perhaps the realtor could help us with that but that information will help us get a better understanding of who's really in town. >> thank you commissioner borden. >> i guess one - i'm a little bit concerned i think a lot of the data and information we're not going to be able to get. the employment numbers, you know, the social economic or other numbers are hard to get. one of the things the impact of the commercial corridor is look at the pedestrian traffic. they have those sensors that track pedestrians if i want to see the impact whether people leave a overlook store and shop down the street that would be helpful. the one thing we're comparing all retail to others and some are big box and larger retailer and some are the types of retailer that don't connote with - that don't connote with apple. being able to like flush that out when you're looking at formula retail might be of value when your trying to see the impact. same thing with the grocery store so how can we capture that the patterns to maybe help us to get at the bigger question of, you know, the

nuclear plant. >> realtor by day, cat lady by night, we tag along on a mission to fix one bay area city's feral cat problem. >> why you need to watch out if you have a $9.84 charge on your credit card. the crippled plant is still emitting radiation. seth doane got a rare look insid >>> nearly three years after the fukushima nuclear disaster in japan the crippled plant is still emitting radiation. seth doan got a rare look inside where the clean-up could take decades. to spend a few hours inside. tepco - the comp >> reporter: 3 miles from the plant roads are still closed, radiation levels here soar 100 times higher than normal. once this was the heart of a radioactive no go zone. now it's safe enough to spend a few hours inside. tepco, the company that owns the crippled plant, is still struggling to deal with the disaster. all four reactors are still emitting radiation, but tepco has made some progress. this is what tepco wants us to see, the heart of the decommissioning work taking place here in reactor four. following the earthquake and tsunami in 2011 a hydrogen explosion tore off the r

nuclear plant. >> realtor by day, cat lady by night, we tag along on a mission to fix one bay area city'sat problem. >> why you need to watch ,,,,,,, 3q i can't stand these spots. those spots are actually leftover food and detergent residue that can redeposit on your dishware during the rinse cycle. gross. jet-dry rinse agent helps wash them away so the only thing left behind is the shine. jet-dry rinses away residues for a sparkling shine. your carpet stains can reappear. [ laughing ] [ male announcer ] try resolve stain remover, the formula penetrates deep into your carpet and removes stains so they don't come back. trust resolve. forget stains. the crippled plant is still emitting radiation. seth doane got a rare look insid >>> nearly three years after the fukushima nuclear disaster in japan the crippled plant is still emitting radiation. seth doan got a rare look inside where the clean-up could take decades. to spend a few hours inside. tepco - the comp >> reporter: 3 miles from the plant roads are still closed, radiation levels here soar 100 times higher than normal. once this was th

it is such an important issue for us as realtors, not only realtors, bankers, regulators thomas consumers as well. regulators, consumers as well. we all agree the bottom line is how can we make more loans through the work each industry which will benefit the consumer, save loans, and protect the consumer as well. thank you. thank each of you for your participation as well. day. a great, chilly [applause] [captioning performed by national captioning institute] [captions copyright national cable satellite corp. 2013] fromlook at an article bloomberg news talking about chris christie who received national attention earlier this week when it was revealed that hads in his administration orchestrated a traffic jam as an act of political retaliation. the article points out that he will be unveiling his policy agenda for the year on january 14 but might have a hard time implementing that agenda in the wake of the traffic controversy. it reads that governor chris christie cast himself and his first term as a master of bipartisanship, willing to back legislation introduced by democrats and to prais

six years, he was a blow for both to realtor and a significant other. of enjoying their retirement years, they're going back to work. >> i do not want to be bid to slow but i want him to feel the pain and to remember the crime for the next 20 years. that is how long it will take me to get over this. >> the judge also ordered him to pay back what he stole from the couple after his parole. the victim both say that they will not produce see any of that money again. >> coming up on the kron 4 news. the weather has been so warm on the west coast, the bears are coming out of hibernation early. we will have more on that story coming up. >> we all know super bowl sunday but how about super bowl saturday, even monday? we will tell you how that just might have been coming up. g)kyoóówç$yg-óñsç >> welcome back. super bowls are normally played on sundays. but how does super bowl saturday or super bowl monday sound? it just might happen. if too much snow is forecasted, the nfl may slide the game a dare to. the recent winter storm dumped 13 in. of snow at new jersey'

the protestors marched to the san francisco association of realtors building. affordable housing is in sharp decline. it is the result of low and middle income residents being pushed out. the protest came hours before the mta meeting that approved the buses in the area for a fee. >>> surfers were out today at half moon bay where the mavericks competition is held. organizers of the competition have been keeping an eye on off- shore swells that could bring in big waves. they will make an announcement if a mavericks competition will be a reality. >> reporter: portions of the bay area, 35. viavallejo 39. it will get chilly out there tonight. 30s in napa. freezing in fairfield. low 40s in the south way. another warm day in store. 70s in the south bay. 6 69 in san jose. the records will be safe out there. the temperatures will be well below record leal. 69 level. a mix of upper 60s and 70s for the north bay. we are keeping an eye on high fire danger until thursday. there is a fire weather watch. winds will pick up. we will have dryer conditions. little recovery over

work with a good realtor. the same advice i would give to any first-time homebuyer i would give to any buyer today because it is a tough market and you really have to buy the book. let's bring up toning mendez as contact information. if you need a long the rules are tougher this year than last year. tony bin says. coming up more on generation x and the role you need to live by. did the retirement you dream of want and need. we have that pam moore take a welcome back and i want to create a list of 10 easy things you should be doing as a generation x and to make sure your maximizing and your financial issues. at first on the list is the offer now mortgage debts. in a credit card debts typically to be eight to 18%. maybe you've been hired as a payoff on now mortgage debts. mortgage debt is great as to that that is great but now mortgage debt that is not tax refundable. >>: next on the west is start getting serious about retirement. you're in your thirties and early forties your starting to think i have some kids.

how do you possibly as a realtor quantify the quality of your neighbor?neighborhood, i think most buyers would want to know. >> how do you sell that home? >> that's a problem. so let's tell you a little bit about a development in may's landing, new jersey. a woman named cindy phoenix was look at a house and while she was looking at it, there was this guy kind of can tankerous neighbor, started complaining to the developer about landscaping and stuff like that. she feels, given hindsight now, the developer should have told her about this guy, who is a complete jerk. the reason i say he's a jerk is she alleges in her suit against the developer that this guy has made death threats to her sister, made racist comments, spit in the direction of the family, called the police, blairs loud music and takes pictures of her guests. >> not only that, they hire add security guard to answer this woman's complaints, just to watch over her. this guy staring down the security guard and then following the security guard for miles, so stalking him! it sounds like a much bigg

we and ted and the realtors have come up with the same percentage of formula retail as a total percentage and that's from 11 to 15 percent the fact we're using different data and studies coming up with the same results is encouraging to say the least. as i mentioned there are approximately 12 hundred retail establishments that accounts for 11 percent of outlining all retailers. nationally 32 percent of retail establishment include penn 10 or more outlets we we consider 12 outlets to be formula retail. the formula retail accounts for 11 percent of the city it's broken down by usage. it's difficult to read this on the screen judge under 10 percent are retail and approximately 10 percent of restaurants are retail and over 80 percent of all banks are formula retail. and then the next 3 maps are the collective information. this map is the distribution of all retail throughout the city. this map shows formula retail per square mile. and this map is available in a hardcopy for members of the public and this is the most existing map it is the concentration of total retail. so there are a few surp

affordable housing they get people to come in and young people who have never worked, children of realtors and after 3 years they sell it at market rate. something needs to be done. and, i have got the history. and i don't want it to happen again. thank you. supervisor scott weiner: thank you. is there any additional public comment? seeing none, public comment is closed. >> colleagues, the matter is in the hands of the committee. supervisor cohen, would you like to make a motion? supervisor malia cohen: i would like to make a motion to submit the resolution. supervisor scott weiner: that is the motion. if there is no further discussion we can take that motion without objection. madam clerk please call item 2. item 131202: agenda[hearing - at&t sidewalk utility boxes]1312022.sponsors: wiener; kim, farrell and avaloshearing, directed to at&t, the department of public works, and the planning department to discuss the roll-out of the at&t u-verse telecommunications upgrade, focusing on the permitting and site installation of the sidewalk cabinets, and to discuss the current community outreach

the affordable housing program is 50 to 80 thousand but what i saw was a bunch of realtors daughters and sons and a relative of the mayor, i think that took the housing and sold it 3 years later for a profit. the screening was done wrong and it's happening again. it's a repeat of what dr. janlts is saying and i'm very sad about it. and now i see a couple of smirks of b there but i'm telling you the truth. and bayview hunter's point will be all white in seven years with their plan. a new a program needs to be planned on how to mitigate for the low income housing people and have a better program to actually give it to the people that need it. there being a kicked out and nobody is doing anything about it. you're going to have 3 cases coming up concerning this exact issue. i hope you start thinking and really working with us and each one come and talk to us. i've not seen any outreach just sit up and look at this. what's happening to this city is very, very, very sad because the public is being shoved out of the process of the planning. i know something is happening in citywide but no o

secondly, i really need this to go well so he makes me his realtor.this guy's flipping properties like they're extras in a kung fu movie. so you're just kissing up to this guy for his money? not just. i really like him. he travels the world doing charity work, rock climbs, flies planes... how does he have time to do all that? got divorced, and his whole life opened up. guy's living the dream. his dream. not my dream. i'm living my dream. you're my dream. you can stop. i so don't want to do this.

i know you spoke that the association of realtors a year ago friday and it's going to be changes and it's changes for everyone. some people they're going to like the changes and others are not. i know you guys are taking the brunt of that or i want to say you're doing a great job so thank you. we're all ambassadors on this >> next item, please. >> that is items 8 and 9 which is the election of the officers from the vice president and want. item 8 is first, the following instructions apply to both. we're elect a vice president and want. for each office the secretary will call for names and all require a second next is to provide an opportunity for a statement and other commissioners can comment. following this the commission will ask for any public comment? and each order the names is received for each office they will serve a term of 12 months. nominations will be reopted if need be. any commissioner questions at this time? very good. we'll open namgsdz for the president of the smn commission >> commissioner riley. >> i nominate steve adams. i second. thank you. i have a nomination o

unless you have a third party independent judgment on lot valuation in this particular case it's a realtor submitting it you can't take the numbers it's not the number that matters you can't take the argument as stated to us. i'm concerned and i want to that with the commission. we're in case = and dooim and this case is huge and i have a hard time understanding it. i feel high pressed to support it based on the questions i'm raising here for what's left for us to do. i think us commission should look at the merger together with the department and looking ahead of the responsibilities of the mayor's office is trying to do and treat it in a manner where it's equal to everybody else when we talk about mergers >> the commissioner raises some good points. to my knowledge there's been this level that's not been utilized in the past for mergers but it's been enforced and utilized many times for demolitions where the value exceeds a certain amount it's not a mandatory dr. those are 317 types of situations. it seems both things apply the same and i think that's the position the city has taken. so

and so next month i'll quote-unquote the developers and city departments and tenant advocates and realtors and prosperity owns. i'll are is having ask them to achieve the goals of rerehabbed homes by 20/205 and implement this plan. you know, ladies and gentlemen, i know we can do it because in the relatively short life of our city we've faced and overcome 2k5u7b9ing challenges i'm not talking about earthquake from the gold rush to the building of railroads through wars and lib ration movement the story of san francisco is one of rapid spurts of growth. it's a story of new industries and steroids that brought people more than most places santa fe san francisco has represented. over the time we grew west and south turning cemeteries and a sand dunes like the western edition and the sunset. today, we grow in places like the shipyard and the new transbay district or along our waterfront like

realtor chief economist calling that phenomenal, very, very high, pushing the much-needed first time buyers further out of the market. share down to 27% of december sales snap the lowest since the realtor's began tracking that share in 2008. back to you. >> okay, diana. thank you. >>> dom's back. a market flash for us. >> sue, this time on noble corps. the worst performing stock in the s&p 500. offshore drummen report drew more than 20% from last year. investors are worried that the company says rig utilization was expected to drop this year. this company specializes in deep water russian. transocean and falling there as well on that news, tyler. back to you. >> dom, the countdown focuses on cars. phil lebow, first up, toyota number one on car sales. how are they doing? >> 9.98 million sold last year making them about 200,000 more than general motors global sales for last year, tyler. basically it comes down to strength, u.s. still relatively strong for them. japan has come back. sort of stabilized in china. put all that together and have a company that not only is number one for 200

by the way, in addition to being a fantastic realtor and developer, john has been great. thank you, john, for your support that in a very big way. he's actually civic minding and participating in so many other things. they have their own giving foundation that i have been very thankful for because you are also showing that fill -- philanthropic season. i'm here for the last chili cook off and make sure that we are working to create more opportunities for the people to succeed in this city. kilroy, congratulations, johnson, thanks for your fantastic design and working together for putting this on and to your whole family happy holidays! and congratulations. thank you. [ applause ] >> thank you very much, mr. mayor. i had the pleasure of first working with dave johnson on the development of square one here in soma. i'm glad we can collaborate again today. please welcome our architect dave johnson. [ applause ] >> good morning, everybody. thank you very much. these are such kind words, it's amazing. it's a beautiful day. thank you, mike. but i want to say this you to the peo

literature review is not high >> if we annoyance the studies and interviewing the people like the realtor and see the study that's released to see the sort of data we have access to. there is a point where everybody has to come together >> thank you. ann marie >> i was going to suggest we partner with other city agencies like the best neighborhoods work to do a survey of employment by the neighborhood strips and try to get a survey back from the merchant and more data then we can get on our own. >> thank you. commissioner moore >> would it be possible to circulate the study of 2007. aside that the investigation is slightly leaguer the ways of study speaks that's extremely informative. it makes some recommendations which at that time, hemmed e held the housing in 2007 and revisiting those summary points i find the study expressive. i have it in digital form >> we have it in digital form, too, and we're in the process of putting up a new website and the dates for the upcoming hearings for people to stay informed. >> okay at the. commissioners we'll take a break for the court reporter to get

i'm curious in general, to that realtor just in general, how does the department approach prioritization? because on the one hand, you have some equity challenges across the city, on the other hand you have some, glaring kind of need. how do you prioritize it? there is a capital piece of it but you also talk about, if not for want of distributing your team, does that mean your team is equally distributed and they do the best you can or are there moments where you reconsider redeploying your team? >> we deploy the staff and we don't just divide it up evenly. it's a pretty complicated formula. we look at acres, topography and usage patterns. it's a mix of gardeners and custodians. these address touch on aging capital issues as well. it's a complex picture. i think we are very very sensitive of the need in our commitment to try to do the best job we can in parks that are not as supported. those parks actually tend to get more public capital investment and tend to get more resources in terms of hours. when we get, when we actually manage this, commissioners, when we get volunteers, larger co

six years, he was able to for both a realtor and his significant other. he wiped out their retirement savings, borrowed against their home, and now they have lost everything. >> i want him to feel the pain and to remember the crime for the next 20 years. that is how long it will take me to get over this. >> the judge has ordered him to pay back what he stole from the couple. but if the victim status of their not going to hold their breath spirit >>. >> coming up on the the kron 4 news. the little dog that was saved from certain death at a recycling facility is ready for new home. we will give you the latest coming up. good. good answer. check it out. learning's fun now. yeah, back in our day, we didn't have u-verse high speed internet to play and learn online. all we had was that franklin fuzzypants. ah, the educational toy bear. remember when the battery went out? give me [slowly, deeply] your abc's. all i learned was a new definition of fear. i need some pudding. yeah, there's one left. [ male announcer ] connect all your wi-fi-enabled devices with u-ve

i think potentially my client may have had conversations with the realtor and he may have been told that this will have a significant positive impact with regards to sale? >> thank you. >> thank you commissioners. >> mr. sanchez? >> thank you, scott sanchez planning department. the subject property at 530-day street. the appellant is located one property removed at 530-day street. this is a sloping lot so the property is higher than the permit holder property. also as the permit holder noted there was a 2011 building permit application for addition and to add a garage and that went through notification. and there were no discretionary review requestcious , the building permit was issued last may and after the issuance of the building permit, they decided to add the roof deck and access to that roof deck. based upon the plan, that is code compliant and would not require notice. it would be allowed without section 311 notice as well as the railing that is proposed. that said, there are a couple of discrepancies that i did notice in the plans which maybe something that can be addressed as t

. >> realtor by day, cat lady by night.how to fix one bay area's cat problem. >>> and guys create a goofy ode to the google bus, end up with a viral video. ,,,,,,,, for over 60,000 california foster children, nights can feel long and lonely. i miss my sister. i miss my old school. i miss my room. i don't want special treatment. i just wanna feel normal. to help, sleep train is collecting pajamas for foster children, big and small. bring your gift to any sleep train, and help make a foster child's night a little cozier. not everyone can be a foster parent, but anyone can help a foster child. radiation. and it likely will be.. fo >>> nearly three years after the fukushima nuclear disaster, the plant is emitting radiation and it will likely be for decades. seth got rare access inside where the pain staking cleanup continues 24 hours a day. >> three miles from the plant, roads are still closed. radiation levels here soar 100 times higher than normal. once this was the heart of the radioactive no go zone. now, it is safe enough

south florida realtor ron attributes forward-looking's high underwater rates to several factors stemming from the 2005, 2006 real estate boom. >> there was a time that the money was cheap and they had pick your mortgage, and buyers bought and flipped, and bought and flipped. >> reporter: he says while the rate of underwater homes is high, sit down from $10.9 million just a year ago. interest rates are below 5%, home values are increasing 20% during the past year, and inventory is up. yanks advised underwater homeowners to consider all of their options. >> hire a professional, get your home short sold as soon as possible. >> reporter: as for this homeowner she says despite the challenges they have faced, she still beliefs in the dream of homeownership. she is helpful the market will continue to strengthen. >>> helping a child's vocabulary. coming up a program that can help children one word as -- at a time. we need to produce more, better. so we -- we are talking about assault. afghan president karzai is long accused the unit >>> welcome back to al jazeera america. i'm del walters. these

we have a realtor based in san francisco, what is it about san francisco and san josÉ that makes those markets so high? >> first of all, look at the view behind me. that says a lot right there. it's beautiful, very desirable place to live. and i think what's driving the market right now is the tech boom. for example, san francisco proper, twitter has just set home base there. and google has moved into the city. sales forces building a large building downtown creating the atmosphere and it's very exciting. the city is just vibrant right now with a lot of young tech people who are doing well financially, and also the companies that are financing these tech firms are living in the city and moving their offices here as well. >> are these real estate prices sustainable? these incredible increases. great in the short term but in the long term how do they sustain it? >> after the 2008 crash we had a dip and it did affect the san francisco market, but we're back. it's affected the bay area. the 25%, i believe it's the metropolitan area. they are also including areas like oakland and parts of t

>> well, i don't think realtors had to convince people. i think people made that choice based on the available opportunities that they had. but to go back to atlanta for a moment, let's do a reality check here. atlanta is very little different from l mow most american cities, denser or less dense. atlanta has a public transportation system that's actually right in the middle of american cities. it doesn't have as much public transportation as new york for example. on the other hand it has much more than many other cities. and the average commuting time in atlanta is relatively low, it's about half that of the new york metropolitan area and much faster commuting times than in paris. so we're, i think the idea that somehow atlanta is out there at the edge or u.s. is different from europe is completely belied by the actual evidence. >> we'll come back after a break. i want to talk more about what happens when the weather goes wrong. we're going to take a short break and when we get back we'll talk about whether our optimal systems are also ou