Phillip Auguste is a real estate agent in Charlotte, NC with over 7 years of experience in customer service. He is a full-time Realtor and licensed broker specializing in relocation, first time buyers, short sales, foreclosures, investments, new construction, and luxury homes. He is a member of the Charlotte Regional Association of Realtors, National Association of Realtors, and North Carolina Association of Realtors.

1. “Committed To Your Goals!” Phillip Auguste University Office Charlotte, NC Member Of: nCharlotteRegional Association of Realtors® nNational Association of Realtors® nNorth Carolina Association of Realtors® Experience: nOver 7 years experience in customer service nListing And Sales of new and existing homes nInvestment Sales and Purchases Credentials: nFull-Time Realtor® And Licensed Broker n Specializes in : Relocation, 1st time buyer, Short Sales, REO (Foreclosure), Investment, New Construction, Luxury Homes, and Real Estate consultation. Phillip Auguste Moblile: 704-426-7985 Office: 704-547-8900 eFax: 704-323-7399 E-mail: phillip.auguste@allentate.com

2. Return on Investment (January 1, 2000 – March 1, 2011) MSN Money.com, Case Shiller

3. Delinquencies and Foreclosures Calculated Risk Blog 2/2011

4. Delinquency and Foreclosure Rates LPS 2/2011

5. Bank Repossessions CNN Money 2/10/2011

6. Prices "Large supplies of foreclosed properties will continue to be the biggest downside risk for home prices and metro area housing markets. Foreclosure activity declined at the end of 2010, but sales activity of bank-owned homes increased.” - David Stiff, chief economist of Fiserv. Fiserv 2/2011

7. National Housing Survey The financial benefits of homeownership, such as its value as an investment (especially compared to paying rent), its value as a way to build up wealth for retirement or to pass on to your family, and the tax benefit. The broader security and lifestyle benefits of homeownership, such as providing a good and secure place for your family, where you have the control to make renovations and updates if you want, and in a place that’s in a community and location that you prefer. 32% 65% Fannie Mae 2/2011

8. Cost vs. Price

9. Mortgage Rates –30 year fixed Today 4/01/2010 Federal Reserve

10. Price is the Same, it Just Costs More Difference in monthly payments Difference in Mortgage Payments

11. Additional Cost Over 30 Years Difference in monthly payments

12. Donald Trump I’m pretty sure this is a great time to go out and buy a house. And if you do, in 10 years you’re going to look back and say, ‘You know, I‘m glad I listened to Donald Trump.’ - January 2011

13. John Paulson “If you don’t own a home, buy one. If you own one home, buy another one. If you own two homes, buy a third. And, lend your relatives the money to buy a home.”

14. Prices A pick-up in home sales in the past six months will soon hit a wall as foreclosures are dragged out, creating a supply overhang that will push prices down 2.3 percent this year, a Reuters poll predicts. …economists now expect home prices will fall 2.3 percent in 2011, and then begin a slight recovery in 2012, according to the median forecast of the 26 economists who gave a price outlook in the Reuters poll. Reuters 2/2011

15. Prices National home prices fell 4.1% during the last three months of 2010, compared with 12 months earlier, according to the latest report from the S&P/Case-Shiller home price index, a closely watched indicator of market trends. They were down 1.9% compared with three months earlier. “There's a substantial risk of home prices falling another 15%, 20% or 25% more.” - Robert Shiller, Case-Shiller Index co-founder CNN Money 2/2011

16. Assuming a 5% fall in prices… On a $200,000 house, a family could lose $384.62 /week over the next 6 months.

17. Foreclosures: The Eye of the Storm

18. Between knowledge and action, there is an… abyss - Simon Wiesenthal

19. “Committed To Your Goals!” Phillip Auguste University Office Charlotte, NC Member Of: nCharlotteRegional Association of Realtors® nNational Association of Realtors® nNorth Carolina Association of Realtors® Experience: nOver 7 years experience in customer service nListing And Sales of new and existing homes nInvestment Sales and Purchases Credentials: nFull-Time Realtor® And Licensed Broker n Specializes in : Relocation, 1st time buyer, Short Sales, REO (Foreclosure), Investment, New Construction, Luxury Homes, and Real Estate consultation. Phillip Auguste Moblile: 704-426-7985 Office: 704-547-8900 eFax: 704-323-7399 E-mail: phillip.auguste@allentate.com