{"id":6162,"date":"2022-01-28T04:16:00","date_gmt":"2022-01-28T12:16:00","guid":{"rendered":"https:\/\/goldmanstate.com\/?p=6162"},"modified":"2022-01-28T07:52:26","modified_gmt":"2022-01-28T15:52:26","slug":"surreal-estate-my-home-is-worth-more-than-its-worth","status":"publish","type":"post","link":"https:\/\/goldmanstate.com\/2022\/01\/28\/surreal-estate-my-home-is-worth-more-than-its-worth\/","title":{"rendered":"Surreal Estate! My Home Is Worth More Than It&#8217;s Worth!"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.0&#8243; custom_padding=&#8221;19px||23px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.4.7&#8243; global_module=&#8221;2637&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/goldmanstate.com\/wp-content\/uploads\/2020\/05\/GPB-Bank-Local-Banner.jpg&#8221; title_text=&#8221;GPB-Bank-Local-Banner&#8221; url=&#8221;https:\/\/www.goldenpacificbank.com\/&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.0.1&#8243; min_height=&#8221;114px&#8221; custom_padding=&#8221;17px||2px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.0.1&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_post_title title=&#8221;off&#8221; author=&#8221;off&#8221; categories=&#8221;off&#8221; comments=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.0.2&#8243; meta_font=&#8221;|700|on||||||&#8221; meta_text_align=&#8221;center&#8221; meta_text_color=&#8221;#ff0000&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Georgia|700||on|||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#000000&#8243; title_font_size=&#8221;40px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;31px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.11.3&#8243; header_2_font=&#8221;Georgia|300|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_font_size=&#8221;21px&#8221; custom_margin=&#8221;-5px||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<h2>A cornucopia of re-fi offers floods my spam folder<\/h2>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.0.3&#8243; custom_padding=&#8221;0px||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.0.3&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Author&#8221; _builder_version=&#8221;4.0.1&#8243; header_4_text_align=&#8221;center&#8221; header_6_text_align=&#8221;center&#8221; header_6_font_size=&#8221;13px&#8221; custom_margin=&#8221;||2px|||&#8221; global_colors_info=&#8221;{}&#8221;]<h6>By Ed Goldman<\/h6>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.0&#8243; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.0.1&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.11.3&#8243; custom_padding=&#8221;3px|||||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p><span class='et-dropcap'>F<\/span>or the past few months, I&#8217;ve received from 20-30 messages in my Spam folder each day urging me to refinance my mortgage, which I already did more than a year ago.<\/p>\n<p>The senders are anonymous even though there&#8217;s an algorithmic guessing game afoot to see if I&#8217;ll be more likely to respond to an Amy, a Rose, Paula, Denise, an Allison, a Monica, Kourtney, Brooke, Rachel, or Selena.<\/p>[\/et_pb_text][et_pb_image src=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9mZWF0dXJlZF9pbWFnZSIsInNldHRpbmdzIjp7fX0=@&#8221; alt=&#8221;Edgy Cartoon&#8221; title_text=&#8221;Kitchen Confidential&#8221; show_in_lightbox=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.7&#8243; _dynamic_attributes=&#8221;src&#8221; width=&#8221;80%&#8221; width_tablet=&#8221;93%&#8221; width_phone=&#8221;95%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;95%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; border_width_all=&#8221;1px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;Caption&#8221; _builder_version=&#8221;4.11.3&#8243; text_font=&#8221;Georgia||on||||||&#8221; text_font_size=&#8221;14px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;-16px||||false|false&#8221; hover_enabled=&#8221;0&#8243; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p>Screen Satyr<\/p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.11.3&#8243; custom_padding=&#8221;||0px|||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p>I also hear from the occasional Ken or David or Tom. But whoever or whatever search engine optimized me\u2014or possibly scanned my fettle on a day I was in a fine one\u2014it must have decided I&#8217;d rather respond to a nonexistent female than a nonexistent fella.<\/p>\n<p>Because I never reply to the emails, I also don&#8217;t know if the companies Amy, Rose, et al claim to work for actually exist or are parts of an automatically rotated list of mortgage-y, finance-ish sounding names\u2014like dailydime.org, dailyspender.org, dailygeneral.org (where &#8220;Monica&#8221; hails from), truehomeguide.com (Hello, &#8220;Allison!&#8221;), rateyourloan.com (&#8220;Kourtney&#8221;&#8216;s place), or mortgageinfo.email.<\/p>[\/et_pb_text][et_pb_code disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Adsense Horizontal&#8221; _builder_version=&#8221;4.10.7&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;|0px||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; global_module=&#8221;1433&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- gs_horizontal_new --><!-- [et_pb_line_break_holder] --><ins class=\"adsbygoogle\"<!-- [et_pb_line_break_holder] -->     style=&#8221;display:block&#8221;<!-- [et_pb_line_break_holder] -->     data-ad-client=&#8221;ca-pub-8489921453224987&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-slot=&#8221;5069548950&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-format=&#8221;auto&#8221;<!-- [et_pb_line_break_holder] -->     data-full-width-responsive=&#8221;true&#8221;><\/ins><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->     (adsbygoogle = window.adsbygoogle || []).push({});<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.11.3&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p>My personal fave is ezhomeadvice.com\u2014which sounds as dubious as Acme, the place Wile E. Coyote purchases all his would-be Roadrunner-kill weaponry.<\/p>\n<p>Coming in at a close second, however, is HomeLight, whose online address is connect@uxczitewxw.zzbinghe.com. And no, I didn&#8217;t type that after imbibing a plethora of \u00a0martinis.<\/p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.11.3&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p>Now, &#8220;Brooke&#8221; ( brooke@boxtime.com) writes that &#8220;a payment modification may be possible&#8221; at my address\u2014though I&#8217;m guessing it would be similar to that offered at grealestateproperties.com.<\/p>\n<p>On the other hand, &#8220;Lori Boone&#8221; at truehomeguide.com offers a consumer warning as she writes, &#8220;Good Afternoon Ed! We have a unique refi opportunity available to you and we think you&#8217;ll like it. Simply follow the prompts if you are interested in lowering your monthly payment or dropping your term down to a 15 or 10-year. The time to do this is NOW because rates are headed back up.&#8221;<\/p>[\/et_pb_text][et_pb_code disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Adsense Horizontal&#8221; _builder_version=&#8221;4.10.7&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;|0px||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; global_module=&#8221;1433&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- gs_horizontal_new --><!-- [et_pb_line_break_holder] --><ins class=\"adsbygoogle\"<!-- [et_pb_line_break_holder] -->     style=&#8221;display:block&#8221;<!-- [et_pb_line_break_holder] -->     data-ad-client=&#8221;ca-pub-8489921453224987&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-slot=&#8221;5069548950&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-format=&#8221;auto&#8221;<!-- [et_pb_line_break_holder] -->     data-full-width-responsive=&#8221;true&#8221;><\/ins><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->     (adsbygoogle = window.adsbygoogle || []).push({});<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][et_pb_text module_class=&#8221;endingG&#8221; _builder_version=&#8221;4.11.3&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p>Since my Spam filter verges on the nuclear, none of these pitches interrupt my action-packed life, which sometimes can include reading, writing and grocery shopping all on the same day. (I may have worked up a sweat just recounting all of that but will attempt to continue and not betray my exhaustion. You deserve this consideration, beloved readers, and I only wish I could do more for you\u2014but if I did, I&#8217;d have to lie down for a bit and hire someone to complete today&#8217;s column.)<\/p>\n<p>Even though these missives are easily ignored, I often give them a quick read as I search my Spam folder for legitimate emails which were unable to breach my cyber security. Occasionally, some of the non-existent spielers fill out the unblock-me form they\u00a0<em>should<\/em>\u00a0be receiving to request entry via the protected portal of my subliterate lair. But they give it away in the subject line: &#8220;Cissy would like to tell you how much your home may be worth!&#8221;\u00a0<\/p>\n<p>This, I should mention, was the only communique in today&#8217;s column that I made up\u2014and further, that the only part I did make up was Cissy&#8217;s name. I&#8217;m just trying to make Amy, Rose, Paula, Denise, Allison, Monica, Kourtney, Brooke, Rachel, and Selena jealous.<\/p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/goldmanstate.com\/wp-content\/uploads\/2021\/12\/amazon_alexa_deals.jpg&#8221; title_text=&#8221;amazon_alexa_deals&#8221; url=&#8221;https:\/\/amzn.to\/31HRqzT&#8221; align=&#8221;center&#8221; admin_label=&#8221;Amazon Banner &#8211; Holiday Sales&#8221; _builder_version=&#8221;4.11.3&#8243; _module_preset=&#8221;default&#8221; border_width_all=&#8221;2px&#8221; box_shadow_style=&#8221;preset3&#8243; global_module=&#8221;5119&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.3.2&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|auto||0px|false|false&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; border_color_top=&#8221;#E02B20&#8243; global_module=&#8221;1122&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.0.6&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;About Ed&#8221; module_class=&#8221;AuthorBioBox&#8221; _builder_version=&#8221;4.7.7&#8243; text_font=&#8221;Georgia||on||||||&#8221; text_text_color=&#8221;#444&#8243; background_color=&#8221;#eeeeee&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; global_colors_info=&#8221;{}&#8221;]<p><a href=\"https:\/\/goldmanstate.com\/about-ed\/\">Ed Goldman&#8217;s<\/a> column appears almost every Monday, Wednesday and Friday. A former daily columnist for the Sacramento Business Journal, as well as monthly columnist for Sacramento Magazine and Comstock\u2019s Business Magazine, he\u2019s the <a href=\"https:\/\/amzn.to\/3jUELxM\" target=\"_blank\" rel=\"noopener noreferrer\">author<\/a> of five books, two plays and one musical (so far).<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.9.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Adsense Horizontal&#8221; _builder_version=&#8221;4.10.7&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;|0px||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; global_module=&#8221;1433&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- gs_horizontal_new --><!-- [et_pb_line_break_holder] --><ins class=\"adsbygoogle\"<!-- [et_pb_line_break_holder] -->     style=&#8221;display:block&#8221;<!-- [et_pb_line_break_holder] -->     data-ad-client=&#8221;ca-pub-8489921453224987&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-slot=&#8221;5069548950&#8243;<!-- [et_pb_line_break_holder] -->     data-ad-format=&#8221;auto&#8221;<!-- [et_pb_line_break_holder] -->     data-full-width-responsive=&#8221;true&#8221;><\/ins><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->     (adsbygoogle = window.adsbygoogle || []).push({});<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n<span class=\"et_bloom_bottom_trigger\"><\/span>","protected":false},"excerpt":{"rendered":"<p>For the past few months, I&#8217;ve received from 20-30 messages in my Spam folder each day urging me to refinance my mortgage, which I already did more than a year ago.<\/p>\n","protected":false},"author":4,"featured_media":6354,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[21],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Surreal Estate! My Home Is Worth More Than It&#039;s Worth! - The Goldman State by Ed Goldman<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldmanstate.com\/2022\/01\/28\/surreal-estate-my-home-is-worth-more-than-its-worth\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Surreal Estate! 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