You are receiving this letter because you are a client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we're going to talk about the history of commercial real estate finance. And, of course, like always, we have lots of cute, clean jokes, two funny pics, and an interesting video for you.

Joke Du Jour

With the help of a fertility specialist, a 65-year-old woman has a baby. All her relatives come to visit and meet the newest member of their family. When they ask to see the baby, the 65-year-old mother says, "Not yet." A little later they ask to see the baby again. Again the mother says, "Not yet." Finally they say, "When can we see the baby?" And the mother says, "When the baby cries." And they ask, "Why do we have to wait until the baby cries?" The new mother says, "Because I forgot where I put her.”

And They're Off ...

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Fooling Around Joke

Dear Abby, I suspected that my husband had been fooling around, and when I confronted him with the evidence, he denied everything and said it would never happen again.

(Took me a few seconds, but eventually I got it! haha)

History of Commercial Real Estate Finance

If you're in the commercial loan business, the history of our industry is important to you. Commercial real estate finance ("CREF") tends to repeat certain cycles. Mark Twain said it best, "History doesn't repeat itself, but it does rhyme." How commercial lenders reacted to periods of soaring interest rates, periods of declining interest rates, and periods when commercial real estate plummeted by 45% is a strong indicator of how they will structure their commercial loans in the future.

We will start our six-part journey in the 1960's, at a time when the United States was still on the gold standard, and inflation was close to zero. Back then there was no organized secondary market for commercial loans. If a bank or life insurance company ("life company") made a commercial loan, it was a portfolio loan.

More history of commercial real estate finance.

Can't Talk Joke

A man walks into his doctor's office and puts a note on the table for the doctor to read. It said, "I can't talk! Help me!" The doctor nodded sagely, and instructed the man to put his thumb on the table. The man thinks to himself that his thumb has nothing to do with his inability to talk, but he does as the doctor ordered. The doctor quickly picked up a big book and whacks the man's thumb with it as hard as he could. "AAAAAAAAAAAAAA!!!" the man yelled. "Good, good," the doctor said. "Come back tomorrow and we'll work on the 'B’."

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Fascinating Little Video

This 45-second video is pretty interesting.

On a Personal Note

Over the winter break I turned 27yrs.  And did anyone notice? No.  It was all about me spoiling my daughter with presents, and my birthday was thrown aside.  What made it even worse, I did not even get any "happy birthday" texts from my friends. I know that as you get older, birthday's mean just a little bit less than the year before...but I won't lie I never thought 27 was "too old" for a least a birthday text from my friends and family.  It was the worst birthday ever.  

The only friend of mine who even cared to notice it was my birthday convinced me to go drown my sorrows over a drink at this restaurant. I reluctantly agreed. I dragged myself out of bed, and headed out. We walked into this dark restaurant and the host directed us to an even darker room in the back. As I walked through the archway I remember thinking to myself, "How fitting that on this crappy birthday I am being sent to the darkest corner of the restaurant" and the BAM! Bright lights suddenly blind me and my ears were assaulted by a chorus of people shouting "SURPRISE". When the spots finally cleared from my eyes I was greeted by the warm friendly faces of my best friends and family. It turned out to be the best birthday ever!

The Most Powerful Man In The World Is No Match...

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New Neighbors Joke

Dear Abby, A couple of women moved in across the hall from me. One is a middle-aged gym teacher, and the other is a social worker in her mid twenties. These two women go everywhere together, and I've never seen a man go into their apartment or come out. Do you think they could be Lebanese?

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