With this in mind, she tried polite friendliness and flashed her best smile, but it quickly became apparent that this stoic and uncouth ranch hand was...’t even trying to be accommodating. ‘Um, to clarify my presence, I’m here for the position of housekeeper and cook. Are you Mr. John Barrington?’ She forced herself to keep that smile on her lips as she walked over to him. Much like the house she drove up to, the cowboy got bigger as she got closer. ‘Housekeeper? You?’ His tone sounded almost. I had to wonder if I had done anything that would affect the two dramatic market turns I expected. The first would be at the turn of the century. The second would come in about 2008 as the banks started to collapse from over-valuing the real estate market. When I started selling real estate in 2003 we were celebrating because home mortgage rates were in the 4.5-5.5 % range. Then they climbed until the collapse in 2009. I needed to be ready to buy when property values dropped and banks started. More

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