Christian Matthew GustafsonDate of Birth (DOB) 05/15/1971Phone (206) 381-9745(206) 321-88798735 13th Avenue NWSeattle, WA 98117Spouse:Karen L. Gustafson (ne Christianson)05/30/1972Children:Hannah,Claudiahttp://tickerforum.org/akcswww?singlepost=2590422Ihaveabetteridea.Startanonlinerepositoryofeveryoneatmanagingdirectorlevelandhigheratcertainorganizations.Includepictures,listsoffamilymembers,infoonruralpropertyownedinVermont,etc.,whateverfloatsyourboat.Compilethedatabase,p2pitaround.Theinformationmaybeveryusefulinthefuture.CMG-00000002CMG-00000005Explore Christian Gustafson's GalleryChr st an Gustafson > MiscellaneousMar 19, 2007photos: 29 4 MBPub c on the webS deshow Share Down oad Pr ntsChristian GustafsonphotosPost on:RSSReport abuseGma Ca endar Documents Photos Reader Web m Sign inCMG-000000062011 Google Terms Download PicasaPrivacy Policy Developer Blog Google HomeCMG-00000007http://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/Miscellaneoushttp://picasaweb.google.com/cgustafson/MiscellaneousCMG-00000008CMG-00000009CMG-00000010LvOight-kalllpff christiangustafSon I would like to know whay you frequent condo and realestate blags, if you think these new highrises are soinsidious (I have heard you clairn that olive8 will die? what ever that rneans) lAJhathappens to the other100 or so buildings that are downtown, do they "die" to. Dont get me wrong, I am not of the belief that things are going to be all rosey dmvntown (even though I am buying at oliveS), but I alTl curious if you are just trying to get people to read your blog or if you secretly want tolive in one of these diabolicaltowers? I suspect the latter :) In allhonesty, I dont have aproblerrl with christia.ngustafson and his opinions, I am just thinking he has some form of condo envy:) LOnehoonoseIn ["ply to TIl" MD Well said IYlD!Comments like Christian discredit this blog, which many people read often foraccurate factual information about what's going on in our neighborhoods. He reminds me of the guy down on4th &Pine withthe "Jesus is Coming- repent or die" sign. "You're all gonna get it good!Hahahaha!!!!" Would you have us dress in white burn our rnortgage papers &turn in our keys &v.,raitforthe great reckoning on rooftops? I Lik..I Rep!!'J TheMD So, christiangustafson, let's stop implying how "dumb" downtown buyers are, or wishing ill financialwill on them, regardless of how you may feel, okay? These are their homes, and they likBthem. Funny thing ... I never really have noticed any downtown buyers blogging about how people in the outer-lying neighborhoods are "fools" as you wouldput it forbuying their horn8s ....depreciation outside of Seattle's downtown core, vs.3% depreciation in Seattle's downtown core ... just a though tto consider. Andforthe record, Ilive in agreat little neighborhood just North ofUVillage.I'ffi not a"down towner," but I certainly do respect thern. CMG-00000018m4christianqustafsonSOl Youcannest in"rent" l. Wetlave ~ , I 1 J ! ~ ~ I ~ ! , t I ! b , ~ ;1 ~ ! K f J. ~ ~i Ii ~ d I ~~ " ~ I ! Ij Co-O i 3 CMG-00000125I ! lis ~ f ~ i I I I '~ ~ ~ " I ) ~ J ! s ~ 8> " -J J ! i I z I CMG-00000126i f 'I il ~ I i ~ f I j ~ i 0 ~ " ! " 1 f I ~ I ! - ~ i ~ i a ~ so " ~,. j !I 1 ! ! ~ ! i " ! 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I z m 0 i , ! ~ ~ " , i -f , ~ ~ ~ . ~ ~h 0 " 0 i. l ~ " 0D ~ < mU>z~z u~ u CMG-00000648SearchGmail Calendar Documents Photos Reader Web more Sign in lOre Gogle profilesL [________--' Christian Gustafson AboutBuzzPicasaWeb Report thisprofile C'l2011Gcogle PrivacyPolicy CMG-00000649Poor Man's Recursion Opt ons Groups Home3 messages Collapse allChristian Gustafson View profileMore options Sep 24 20049 15 amWe use a lot of comma delimited lists of integers to represent sets ofrows andDs in SQL Serversince we can't use arraysetcfor thisThe problem is that it can be a pain to select a set of these valuesfrom several rows and then concatenate them into a single value've found an elegant way to do thiswhich call "Poor Man'sRecursion"but'm not quite sure how and why this works Cansomeone from the MS SQL team confirm that this is the correct behaviorfor the query engineand that this won't disappear in futurereleases?Check it outExample using pubsdbuse pubsdeclare @jobList as varchar(4000)select @jobList = isnull(@jobList + ' ' + cast(j job_id asvarchar(12)) cast(j job_id as varchar(12)))from ( select distinct job_idjob_desc from jobs) as jorder by j job_descselect @joblist as 'Job Ds'Job Ds9 3 2 4 14 12 6 7 1 11 10 8 5 13(1 row(s) affected)A very powerful technique MOif you have ever had to use a cursorto do this Now you have a comma delimited list ofDs that we canuse as a set and pass into other sprocstable based UDFstreesetcPlease let me know if this is Kosher T SQL or an unexpected resultthanks!Christian GustafsonSeattleWAJacco Schalkwijk View profileMore options Sep 24 20049 40 amThis concatenation behaviour is undocumented and undefinedalthough intrivial cases it works as expectedAn exampleDECLARE @Str VARCHAR(8000)SET @Str = SPACE(0)SELECT @Str = @Str + Customer D + ' 'FROM NorthWind Orders ORDER BY LEFT(ShipAddress2) PRNT @StrFor more see the following discussionhttp //groups google com/groups?hl=en&lr=&ie=UTF 8&threadm=ObqqbQWgDHJacco SchalkwijkAbout ths groupSubscr be to ths groupThis is a Usenet group learn moreVew ths groupn the newGoog e GroupsSponsorednksMicrosoft Windows AzureUnleash Your Creativityn TheCloudDownload The Trial TodayMicrosoft com/Cloud/WindowsAzureMicrosoft SQL TuningTune Databases 80% Faster withEMCFASTDownload the White PaperNowwww emc com/FAST SQLNeed to Audit a Database?Monitor All Database Changes24x7 with No Overhead Free Trial!www sqlpower comSee your message hereDiscussions+ new postGma Ca endar Documents Photos Reader Web m Sign inCMG-00000650SQL Server MVP"Christian Gustafson" wrote in messagenews d5168c0c 0409240815 38b3a932@posting google com Show quoted text David Portas View profileMore options Sep 24 20049 59 am recommend you avoid this method in production code because it'sundocumented and unreliable (see the link Jacco posted)> We use a lot of comma delimited lists of integers to represent sets of> rows andDs in SQL Serversince we can't use arraysetcfor thisWhy do you feel the need to represent arrays in SQL? You just shouldn't needto do this kind of thing at allexcept maybe for presentational purposesPresentation belongs client side rather than in the databaseThis just isn'tan effective way to work with dataDavid PortasSQL Server MVPEnd of messages Back to Discussions Newer top c Oder top c Create a group Google Groups Google Home Terms of Service Privacy Policy2011 GoogleCMG-00000651Sign inHelp forumHelp articlesHelp forumAndroid - Help with other Google products - Getting Started guide 2011 Google - Privacy Policy - Terms of ServiceHep forum > Andro d > cgustafsonThe Nexus One forum has been archived. If you have questions aboutusing Google services on your Android phone please see the GoogleMobile forum.cgustafson'sdiscussionsJoined Google Help on 9/22/10Questions: 2 | Answers: 3Display questions sorted byall recent activityTopic Asked By Replies Last RGmail notification won't turn off onAndroid Captiva phone in 'm Having aProblem9/22/10cgustafson49/23/10cgustaGmail calendar wont update sync ifposted on phone to the computer in 'mHaving a ProblemAnswered9/22/10cgustafson29/23/10cgustaCMG-00000652SubSCribe"" Addas Friend! Block User!SendMessage Profile Name; Channel Views: TOIal Upload Views: Age; Joined: Last Visit Date: Subscribers: COlintlY: Subscriptions (32) D Unknown ..GOldenC WOOl1,111 113,653 39 Apr14. 1006 2 monthsago 11Umled Slates Recent Activity cgustafson favorited a video __..JOIThe AnnoyingOrange ANNOYINGiPHONE&. iPODGr,ME: http://blttyJKilehenCamage AnOrangeannoys the hell oul of his friend, Apple ANNOYING OR.ANGEYOUTU8E Pft.GE. cguslafson favorited a \/ideo l1 100/ 15S" Drunk HistoryvoL 6 wJJohn CReilly & Crispin Glover ;WaletllM amazi ng. slory of Nikota Testa(JohnCReil ly); ttle fatherofVVestem TeChnology, .....ho sailed 10 Arnerica to meet Thomas Edison (Cri spinGI._li{t cgust-afson uploaded a llewYideo ( IIIID"IIh $)oJ) Cadctyshack. You'l gel nothing andlike it! Judge Smailsgl'f'?SIhe lowdowntoSpaulding !ir1f cgust-afson uploaded a new"";deo l l ltClAhliqQ) I('\(hat bugs Travis8i ckJe?-What is theone thi ngabout Ihls countlY \hal bugs youthe most?" cgllSlafSOIl ravorited a video l llf()f1t'1.JtlI MadeMan Goodfellas CMG-00000653Yo uDm I Search JBrowse ;r-l Subscribe III FavoritesUploads

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La urie A Plumb JuliaGustafson GaryC Gustafson CarolAGustafson G@ImOIltld'lis Ild.dll!'lli. Donn.KayChristianMa\lhewGustafson MitdyG Christianson Chri s JChri stiansen Suz anne MichelleCampbell CMG-00000660e CMG-00000661CMG-00000662CMG-00000663Basic Info Name: Guslafson I A_ess: 3917 Interlake AveN :z-,:w.,Q1 Phone: 206-545-0706 I ClIy: Seattle I Additional Info ILastName: Gustafson Karen FlrstName: Karen LabelName: Karen Gustafson ~d r e s sNumber.3917 SecondalY Name: dress Sutlix: Address S1reet:Intarlake Ave N CMG-00000664CMG-00000665COlChristianM Gustafson,age 39 8xxxlxxx AveNw,Seattle,WA psChristianl'1atthewGustafson,age 39 KnownCities:Seattle,WA PossibleRelatives:Karen . USSearch ChristianGustafson,Seattle)WA ChristianM Gustafsono206-381-9xxx 1 . 2xx2xxAveS4xxJSeattle)WA98104 __ .COM,Seattle, WI>.98104 C*'I***************N@__ .COM,Seattle, WI>.98104 Show More ... PossibleRelatives: Christian Matthew Gustafson,age 39, Seattle, WI>.9 8117 Cl ickhereforstreet address andphon!.'number PossibleRelatives:Christphr,Geoffrey,Barbara Show 5More ... Phonebook Christian M Gustafson 2xx2xxAveS4xx,Seattle,WA98104 'Got thoruport 'on- ..ChristianMatthew Gustafson. age 39 Ihilllt' "h... ChrislianMat1hew Gustafson Ih.lrllt'd Seattle. WA DOtI./ hU>llIIA(f< ,I 28, :!(JOb.. 9 :09pm II'snot about demand, not about the world suddenly discovering that Seanleis such a nice place tolive,not evenabout Microsoft'sendlesshiring.Theincreaseinrealestateasset valuesisduetoeasy money policiesoftheFederalReserveandthezero-down,interest-only mortgagesavailabletoanyone WilDcan foga mirror.It'scredit expansionandmonetary intlation,primarily intothehousingmarket,period. Theseeasy mortgageshavebidupthepricesof landandessentially createdtremendousamountsof new money. We'reat thepoint now where thedollar itself Is threatened by this credit expansion, and we're looking at serious inOationand theoverallcheapening of theUSdollar. Theonly solutionnow istoraiseinterest ratesandconstraintheamount of credit thatcanbeissued. With higher interest rates,millions of overleveraged homeowners won't beable topay their mortgages and will default.Nominal valuesofRE willplummet, andloans/money Intheeconomy will bedestroyed.It's oneor theotl1er at this point either theUSdollar ortlle inOated valuesof homes. We'vehada boomdrivenbymonetary policy,andnow we're about tolivethroughthehangover,a very seriousrecessionor worse.This will likely bethenastiest economicstorm we Willseeinourlifetimes. You're kidding yourself If youIgnore themonetary andeconomiCaspectsof the very realHousing Bubble, andassure yourself Instead that demand, and not highly risky,leveraged,speculative Investment, has drivenit. Re,,1y #5353 . _. Postedby:ChristianGustafsonLocation:Seattle, WA on Apr 5,2010 al11:46 PM Shirlandcould work wonders with thecrumbs that fallfrom the tableof thecorrupt, wastefulurban schooldistricts. With only five teachers,every class now is probably a split oneI hada few of thosein theearly grades,andthey actually worked pretty well.Illinoisis in terminalcondition, andit'sgoing to get much, much worse across thestateandnation. I dohopeMrs. PankratzandSueReesearestill there, they are priceless , Postedbv:Concerned Parenton Aor 1.2010 al 09.54 PM C G VI R S \/1 G LI G P CMG-00000668CHRISTIANM GUSTAFSON (ONVIA.COM),(Zipcode:98109) $250 toLAZIO2000 INCon10/20/00 Photo Vi ewFullSize User Stats OnBloS:;:f!r SinCE:Prc,(llo:\' 1';"110(21 pprOXWfl:!l V.') F'l ez:o t;lonique f..0fts NoJa CMG-00000681f !.... f}''I;. j j JI 0, I I :>. 11ti , I ftlh 1 " I'. . ,t 1111. IIh:l ..J s::::l .1 jHpI t! 0 iP.il ,,I !!t!j .,'J .li.. It ro IH ...... , !J rI.l tlf II 6 , p! ,If " p "tJ , I i " .. 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0_ c t . ~ >-;>"\\1 ~ 0 . . . 1 : V)ct.l-III CMG-00000745"--I\) t.. t..>- 0 +-~ 1\)+-00 I\) _s:: t..I\) :;:7-0 u -:E0s::-s:: "->~~ 0 ~ VII\).s:: >->+-"1J Nt..I\)t.."1J :7o+- 0:7 ~:E1.1)Z..., I I I I I CMG-00000746CMG-00000747CMG-00000748f ~ l ~ , ~. ~ j" . ! ! ~ ~ . n ! j H ~ ~ ~ , ~ , . 0 > f ~ .i , Ii 0 i ~ , : ! i --" 0 ~ ~ ~ ~ -, , ~ ~ & jj "0" ! , , f ~ ~ , i i ~ ~ i i ~ " ! , d ~ t ~ [ .. 0 g I ~ " ' ~ t .. ':o . ! '. ~ - ' "' .! 0 0 ~ ~ . , ~ 0 ! ~ " 0 c:c~ , - -< ~ 0 s, . - ~ i -~ 1 0 E Hi ] , s E " ~ 1'1 s 1 i ~ f 8 !I -~ I 0 :l!l-;" ~~! _. v CMG-00000749J f j f:::1 qJH Ij I.."''''C I~ f Ill' l~. I I . ! -a ~ lUi ~ t In t s::::l 1 Un i J 0 I HIl } ~ lUi I -ro a t ~ 1I 1 ...... ! I f I 1 rI.l J ~ t u J 6 to = ia ht = z ~ J1,: 1 ] I JI:P I ifjltfj ~I 11z. c IlI! CMG-000007501 { t ! ~ , ., , , ! j 0 CMG-00000751! I I ! 1 I I 0 f t i l l ~ rf :: ! ~~ ~ l. IIf0 ! I. ~ Ii 1- :; ~ I .j-..~ .2 j I :'J 'l:!H " CMG-00000803How bad is it in Las Vegas? Let's look at the micro,instead of the macro. Right now, the magic number seems to be $150,000.That's what it takes to sell a house in Vegas.Let's look at a typical house for sale for that price in Henderson, Nevada, perhaps the nicest part ofthe valley. 122 BOYSENBERRY LN - $149,900 This was likely just reduced, asZillow lists the property for sale at $179,500. The house isnow bank owned, and the sale history goes like this: $73,350 in '98, $220,000 in '06, $189,385 in '07 when the bank took posession.Zillow puts the peak value of the house at $260,000 or so, in March of '06 (approx.) so the previous owners bought very close to the top.For whatever reason, the bank now owns the house. Now let's look at the neighborhood. The house immediately to the north sold in '06 for $208,500.In '98, it sold for$107,000.Let's use that as a baseline: let's assume that in '98 the house was worth 30% more, and it is today.That puts the value today at $217,500,not too far off of the Zillow guess of $230,000. Let's look at the house to the south.It's on a smaller lot.It sold for $92,500 in '98, which agrees with the quick assessment.If the house to the north is worth $150,000 then their house must be worth less than that.Let's assume it's worth the same - $150,000. Zillow says it's worth $219,500, or 46% higher than it's likely worth. Let's look at the next house down, the same size lot. Zillow thinks this one is worth $199,000.It last sold for$245,000 in 2006, at the peak. So the owners are underwater.The question is, how much? CMG-00000804Assuming the same price as the houses for sale on the block, we can figure that they are approximately $95,000 underwater on the house, not the $46,000 that Zillow suggests. Let's look at the next one - sold in '05 for$250,000.Zillow thinks it's worth 207,500.Soagain, according to Zillow,underwater by 42,500. According to the market, closer to $100,000. The next one - sold for $112,000 in '99.So, of the 5 houses we've looked at so far,this is only the 2nd that has positive equity.Figure it is also worth around $10,000. At the end of the block, we see another listed from Windermere at $150,000.It too was listed for sale at $184,900 and didn't sell.Sold in '06 for $250,000. Soon this single block, we have positive equity of about $90,000 and negative equity of around $400,000. Much of this debt hasn't been reflected in the official numbers, and with the January sales hitting Zillow,their estimates are reflective of those dire numbers (down almost 20% Januaryyear-on-year.) That is to say,the decline from January to March, in my estimation, has equalled that of the decline so far, in absolute terms.In percentage terms, it's EVEN HIGHER. It's getting worse,not better in Las Vegas.How low can it go? Keepin mind, that these twohouses were listed at higher prices for two months (since January) at prices at least 10% lower than Zillow's estimates.And they didn't sell.Soat the very least, the Zillow estimates for Las Vegas right now are 10% too high for two months ago.Look at a map, and calculate the lost equity that isn't reflected in owners' hearts and minds, and then ask what they will feel when their $220,000 suburban house reverts back to a value of $150,000 or less. What happens then?Will people be more or less likely to payoff loans that were taken out at the peak? CMG-00000805CMG-00000806 ;1 : CMG-00000807CMG-00000808s 11 1 . t ~ h J' 1 ~ I . ' r )i li ~. 11 ~i'. oj ~Ii lo l ~ 'i . ~ IIhH ~ J CMG-00000827 mi i ~ J ~~ I. ~ Ii .;g ..;, II I')f , dt !~ !i ;i i 1 ~I 'iJ q iii! H ~~ if filii d! q u f! ~.' ~ JI ll1 "'. J d II r ~ ] j p ~3 , ..~ CMG-00000828CMG-00000829CMG-00000830CMG-00000831CMG-00000832I I ,II ~ II! 1j I {i' t! .I!! .! 1 H J ~f j i J Ji d i ! Jh;. I H ~ H t 1 i! J ! II f ~ If !11g CMG-00000833i ! il II }t . I !]! " , ,. H iJ II IIJ-ill eli t II i -I J

- 1! -. i! /I1 H. II ' . 1 "( t" rl.. It n :s H ;;; -pt i i hi -I! .t'1lit III n I !I" II i 1 . - lithHi Ih .!!D0: h- "d ..Ii2'; !>H " CMG-00000834How bad is it in Las Vegas? Let's look at the micro,instead of the macro. Right now, the magic number seems to be $150,000.That's what it takes to sell a house in Vegas.Let's look at a typical house for sale for that price in Henderson, Nevada, perhaps the nicest part ofthe valley. 122 BOYSENBERRY LN - $149,900 This was likely just reduced, asZillow lists the property for sale at $179,500. The house isnow bank owned, and the sale history goes like this: $73,350 in '98, $220,000 in '06, $189,385 in '07 when the bank took posession.Zillow puts the peak value of the house at $260,000 or so, in March of '06 (approx.) so the previous owners bought very close to the top.For whatever reason, the bank now owns the house. Now let's look at the neighborhood. The house immediately to the north sold in '06 for $208,500.In '98, it sold for$107,000.Let's use that as a baseline: let's assume that in '98 the house was worth 30% more, and it is today.That puts the value today at $217,500,not too far off of the Zillow guess of $230,000. Let's look at the house to the south.It's on a smaller lot.It sold for $92,500 in '98, which agrees with the quick assessment.If the house to the north is worth $150,000 then their house must be worth less than that.Let's assume it's worth the same - $150,000. Zillow says it's worth $219,500, or 46% higher than it's likely worth. Let's look at the next house down, the same size lot. Zillow thinks this one is worth $199,000.It last sold for$245,000 in 2006, at the peak. So the owners are underwater.The question is, how much? CMG-00000835Assuming the same price as the houses for sale on the block, we can figure that they are approximately $95,000 underwater on the house, not the $46,000 that Zillow suggests. Let's look at the next one - sold in '05 for$250,000.Zillow thinks it's worth 207,500.Soagain, according to Zillow,underwater by 42,500. According to the market, closer to $100,000. The next one - sold for $112,000 in '99.So, of the 5 houses we've looked at so far,this is only the 2nd that has positive equity.Figure it is also worth around $10,000. At the end of the block, we see another listed from Windermere at $150,000.It too was listed for sale at $184,900 and didn't sell.Sold in '06 for $250,000. Soon this single block, we have positive equity of about $90,000 and negative equity of around $400,000. Much of this debt hasn't been reflected in the official numbers, and with the January sales hitting Zillow,their estimates are reflective of those dire numbers (down almost 20% Januaryyear-on-year.) That is to say,the decline from January to March, in my estimation, has equalled that of the decline so far, in absolute terms.In percentage terms, it's EVEN HIGHER. It's getting worse,not better in Las Vegas.How low can it go? Keepin mind, that these twohouses were listed at higher prices for two months (since January) at prices at least 10% lower than Zillow's estimates.And they didn't sell.Soat the very least, the Zillow estimates for Las Vegas right now are 10% too high for two months ago.Look at a map, and calculate the lost equity that isn't reflected in owners' hearts and minds, and then ask what they will feel when their $220,000 suburban house reverts back to a value of $150,000 or less. What happens then?Will people be more or less likely to payoff loans that were taken out at the peak? CMG-00000836CMG-00000837 ;1 : CMG-00000838CMG-00000839s 11 1 . t ~ h J' 1 ~ I