Everything surprises me and nothing surprises me. My predictions for the new year? Interest rates stay low, refinancing goes through the roof revising prices through appraisals and keeping title companies in business. I continue to fill up my Yukon for under $30. Projects that offer the low end and super high end of the market will continue to flourish. Builders drop their numbers trying to keep their crews busy, commodities continue to drop (steel is now a third, oil is a fourth, lumber is half). I don't think there has been a better time to build since 2001. People will make money by creating value.

Our company will work on developing a studio apartment development, Daisy Bush, a commercial building, and a business park.