PIN IT

12/29/2010

Link for $25 off items not shipping at CSN

Twenty five dollar free gift certificate : “modern furniture” to http://www.allmodern.com/



CSN stores has some wonderful prices and selection on hardwood and stone flooring. Since you are most likely the same as myself, we can’t sell so be happy in your home there has been no better time in the past twenty years to complete home improvement projects.

At this time of year, when contractors are hungry for work I can recommend an excellent Flooring contractor: Terry Schleede (949) 433-3282

I purchased these barstools from CSN for less than $75 and saw them at Restoration Hardware for $ 198 X 2 = $396each and on Ballard Designs for $ 129 each =$259.
I promise you that just a little winter after Christmas sprucing up your Orange County Home will feel joyful and bring prosperity this New Year. God Bless and let us all plan for a profitable 2011!

12/16/2010

Mortgage After Short Sale Foreclosure





FHA insured mortgages are generally available to borrowers whose property was foreclosed on or given a deed-in-lieu of foreclosure after a 3 year waiting period. However, if the foreclosure of the borrower’s main residence was the result of extenuating circumstances, which now includes a twenty percent year after foreclosure if you have since established good credit.
or more drop of income which is considered an “economic event” an exception may be granted. Call and find out if Caroline Gerardo can help you.  (949) 637-8190

Back To Work Program: You will need to show you had a job loss, serious illness that made you take off work, had to move locations for a job or catastrophe that caused you to get behind. You can’t just have stopped making payments because you didn’t want to pay on an upside down house.

Buy a home with a VA loan in just 2 years after foreclosure.

If you are a Veteran and have Certificate of Eligibility and DD214 you may qualify to purchase a new home in as little as 2 years after foreclosure or short sale.

BUYING A NEW HOME AFTER A SHORT SALE?

Can I Buy A Home Again After A Short Sale?

Millions of Americans suffered through short sales in the last few years. You may not need 20% down payment to go conventional

 It is important to get your credit back in line, as FICO score does drive the interest rates. Ask me about my free programs to help increase your FICO score.

The good news is that if you have short sold your house in the past, it is possible to get into a position to get a new loan in as little as only a few months after your short sale. If you did a short sale and had to pay anything to Fannie Mae in California you may be due a refund.

We have a down payment assistance fund that can give you 5% of the sales price as a gift to buy a home under $ 500000.00 in Southern California. This is coupled with a FHA loan.

You read that right: some loan programs allow you to get into a new mortgage loan in as little as 12 months after a short sale and you may not even need a down payment.

12/15/2010

A Chainsaw for Christmas?

Best Christmas gift I ever received was the smile on my newborn’s face nineteen years ago. The worst was when my ex-husband bought me a chain saw. That is another story. My built in refrigerator door bladder is still leaking air after my attempts to “fix” it.


I am very “handy.” I can repair just about anything. I operated a crane and calculated maximum loads of a bridge, built commercial and residential buildings but I now prefer to hire someone to fix the refrigerator. The problem arrives in perceptive image- by this I mean the repairman sees a blonde woman in a flowery house who weighs 110 pounds and he thinks I have no idea. This can be useful or costly on the bottom line of the bill.

So how do you budget shop for a repair on anything?

1. Recommendations from neighbors ( as proximity limits your options to hire someone who might have to charge for his or her travel time).

2. Browse the internet and enter the City name with your repair item. Look on UTUBE for repair videos.

3. I don’t have a phone book at home anymore so that is out of the question.

4. Ask other contractors or general contractors for a recommendation.

5. Ask someone at the local hardware store, see if they have a bulletin board.



The next step is contacting them, describing exactly what you need and asking for an estimate of cost. They can tell you the hourly labor cost but often they have no idea what parts might be necessary to repair your appliance or thing from a telephone call.



Then there is the waiting for them to show up for the appointment. When they arrive try not to be so agitated about them being late, this is only going to waste time of their hourly labor cost.



Lead them directly to the problem, which hopefully you have cleared the area for space to work.

Then watch and learn something out of the way.



Unfortunately, the repairman went through the same steps I had tried and the door seal worked for three days, and now the freezer is back to meltdown. So now what?

12/01/2010

CITY Laguna Niguel GONE WILD

THE SIGN SHOULD NOT READ EXIT IT SHOULD SAY DEAD END

WHY IS THIS RIDICULOUS PALACE BEING BUILT?
WHY WOULD THE CITY OF LAGUNA NIGUEL NEED 10000 feet of PLANNING DEPARTMENT WHEN THERE IS NO CONSTRUCTION HAPPENING AND NO RAW UNDEVELOPED LAND REMAINING? WHO VOTED TO SPEND TEN EXTRA MILLION DOLLARS IN THIS THE THIRD GREAT DEPRESSION? HOW MANY PEOPLE EVER WENT TO A CITY MEETING IN EXCESS OF TWENTY ATENDEES? DO YOU WANT YOUR MONEY WASTED ON ANOTHER TAJ MAHAL? SELL THIS MONSTROSITY FOR A LOSS AND MOVE ON.

ANOTHER BEAUTIFUL SUNNY DAY IN LAGUNA NIGUEL WHERE WE ARE CONTRIBUTING TO THE CONSTRUCTION ECONOMY BASED ON SOME TIME LONG GONE PAST WHERE TAX REVENUES WERE CLIMBING.


11/16/2010

Re-Think the Open House Concept

Rethink a new kind of open house. Get the seller ready before you start the listing:

1. A pre-appraisal is good. The seller might benefit from a bank style appraisal which is the standard they will be held to close a deal. Only list a home where the Seller is realistic about their home and their market.

2. Empty the garage, half the closets, sell or donate it all. Remove

religious, personal, smelly items, unique art, and make it more vanilla.

3. Paint neutral. Stage if they can afford it.

4. Wholesale flower planting. Supply the pots and the wholesale

Annuals arrive in a truck. One solid block of color.

5. Scrub clean every surface.

In Laguna Beach Realtors still drive together and visit open houses on preview. I believe I have seen the inside of every home on my “paper route.” Be cooperative and helpful to other agents and let the deals flow your way. This gives me an advantage not only in knowing the neighborhood, what the planning commission might approve, what the traffic is like on school mornings, but an edge above the others.

If City/HOA ordinance does not allow signage – get a dancing teen in a house costume twirling a sign. Get your lender, your title representative to review the last details before the open house, before the listing is in the MLS. Market outside of the box. Invest the time and attend the open house.

Have 200 people to walk through the open house. Start the buzz about that amazing Realtor and that great listing. Sell the home the first three weeks.  I am not saying serve cookies. Serve yourself and add some new spice to the idea of foot traffic.

11/11/2010

Orange County Jobs Improve Just a Little

“Orange County leads a very slow recovery in California,” said Jerry Nickelsburg, senior economist, UCLA Anderson Forecast. “Growth in Orange County manufacturing, professional, scientific, technical and leisure and hospitality services has been more rapid than in the state as a whole. However, overall, the county's employment picture is only marginally improved from the depth of the recession.”

11/03/2010
















प्लेअसे रीड माय नोवेल "टोक्सिक अस्सेट्स " व्हिच इस बेंग रेलेअसेद ओं अमाज़ों नवम्बर फिफ्तींथ

कारोलिने गेरार्दो बर्बौ



كارولين جيرارد باربي

وفيليست

بليس رد مي نوفل

وكسيس استس

يلياسينج

أن أمازون بوكس

نوفمبر ١خث

10/30/2010

SAVE money


Opt out of overdraft charges with every checking account

Join a credit union to get one of their cheaper rate VISA or Mastercard

NEVER pay for a service to follow your credit

Pay a bank to run your tri-merged report to prepare to refinance or buy

Work on improving your FICO score by reallocating debts to less than 69% of line

Opt out of credit card offers 1(888) 567-8688

Refinance with little cost while the rates are down

Cut US stock market exposure and sell some

Trade/ bargain/ stop buying

10/29/2010

Halloween Dinner

Easy Fall Dinner before Trick of Treating


2 Tablespoons good olive oil

Chopped fine 1 onion ( maui sweet if you can find)

6 smashed plum fresh roma tomatoes

2 Tablespoons tomato paste

2 teaspoons dried oregano (or 1 ½ fresh)

1 teaspoon fennel seeds

6 cups chicken broth

2 cups coarse corn meal (polenta)

½ cup grated Parmesan cheese

12 sausages- I like the turkey ones but mix sweet/hot/flavored

Get your grill hot and throw on the sausages whole . (Ten minutes)

In a large skillet medium heat warm the olive oil add onion and sauté about 4 minutes

Add the crushed tomatoes, tomato paste, oregano, fennel seeds raise heat cook abou

7 minutes.

Have one of your children get the sausages off the barbeque and place them in an oven proof pan.

Put them in the oven to stay warm on lowest temperature (200)

At the same time in another sauce pan heat the chicken stock to a boil. Wisk and stir the corn meal into

The hot broth and lower heat to lowest setting. Stir about 14 minutes.

Add the tomato sauce into the creamy thick polenta.



To serve- the polenta is spooned on the plate and the sausages are cut in half.

The polenta will be somewhat orange- you might want to add orange bell pepper on the grill if you really want to be fancy (sliced and rubbed with olive oil grill in about 4 minutes)
Salt and pepper to taste - red chili flakes if they will eat hot

10/25/2010

Drip Mail Campaign

Direct mail used to be the mortgage standard to connect with our farm list. However, the cost to mail in printing, paper organizing and United States postage has increased not proportionate to how income has fallen. I miss my junk mail.


I received few or no direct mail campaigns with this last refinance interest rate drop. Is it because so many of the thousands of Mortgage Companies in Orange County have closed? Perhaps this is a contributing factor. Why do the remaining banks and direct lenders in Laguna Beach and Newport Beach no longer even drop me junk mail in a plastic zip lock bag?

I saved all the offers for mortgage rates that arrived in my mailbox, door jam and thrown on my front pergola. Why would I save the papers? Quarterly I laid them all over my living room floor and asked my two best consumers (my teenagers) which ones were visually appealing. I gave the remaining pile of four winners to my Mom (a generation above consumer) to pick her top two. This provided market information. Most of all it gave me what to copy. Is not that what Pablo Picasso said? “Combining the best from smart artists gave him creative input.” So please put me back on your mailing list. I am preparing my next advertising campaign and with so few competitors, perhaps my neighbors in Beacon Hill will actually call me.

Drip mail campaign- will Dana Point residents hate it if I put in a baggy and put them on every drive way?

10/23/2010

Foreclosure or Deed in Lieu or Short Sale for Laguna?

WHEN IS MY HOUSE GOING TO BE WORTH WHAT I PAID in 2006?
More foreclosures coming in Laguna Beach October 23 2010 some with ocean views like mine:


Y Place 3 bed 3 bath $1,103,000.
Seacliff Drive 4 bed 5 bath $ 8,250,00.
Saling Way 2 bed 2 bath $355,794.
Oriole Drive $767,520.
Cliff Drive $968,379.


CORPORATIONS ARE MORE PROFITABLE THAN IN THE PAST TEN YEARS. They are not adding new talent. They ought to be buying infrastructure when the economy is cheap but they are holding off. GDP is shaping to look more positive.









Industrial Production also is improving slowly.



Retail for certain sectors is rising. Take a look at an Apple Store, they are busy. Very hgh end retail such as Tiffany's will be busy for Christmas. Stores in Laguna Beach like Stella's closed this week. Pinky Wear in Dana Point closed up shop on a Sunday night and "they go in the night" leaving the place stripped with no relocation sign. Cheaper fast food with a five dollar lunch is also coming back up; however, every great restaurant in Orange County is struggling. I pray that Jack's in Dana Point, Mayur in Corona Del Mar, Dana  Kai in Laguna Niguel and Daria in Costa Mesa weather the storm.  


CALIFORNIA HAS POCKETS OF HOPE and Areas still with Black Clouds ahead.





Everyone around me is timid. The lady at Happy Nails talks about taking Prozac.
SORRY BUT WE ARE NOT IN A RECESSION. WE ARE NOT IN A DOUBLE DIP. We are at year three of THE THIRD GREAT DEPRESSION.

The good news----we are pulling out of it. We will have slow growth for two more years but my house value is not coming back until 2017

I invested $1,800,000. in my house in price and improvements It is worth $940,000. today. Loss of $860,000.00 cash. Payments are $ 7600 month or $91,200 annual. If I make the payment eight years three months I might break even.

LOWEST HOUSING STARTS SINCE THE GI BILL. Why? You can buy a house inland Orange County for $240000. Now. You can buy a house in Laguna Beach for $ 400000. You can buy a three bedroom house in Riverside for $100000. A builder can not sell a new house for $100000.

SO WHAT TO ALL THOSE BORING GRAPHS TELL US:
CALIFORNIA FORECLOSURES CONTINUE WITH
INLAND AREAS HIT THE MOST

Properties with view seem to fair better
Unsold new housing inventory is declining because nothing new is being created



CALIFORNIA NEEDS JOB RECOVERY. Recovery HAS NOT BEGUN for Service/ Retail/ high tech/ entry level/white collar/ etc. employment. There are few postings for jobs from $60000.- $90,000. Companies are making their employees work longer hours and no claim overtime. Employees do not ask for raises and do not move to seek advancement because they are often stuck in their upside down home. Companies are not offering transfer packages to employees to buy out their upside down home. More foreclosures are on the way before the summer.


SO WHAT TO I DO WITH MY HOUSE?




























Arizona Nevada Michigan Florida Georgia Illinois and California…
See Attached link to a market summary for Residential Real Estate Laguna Beach Homes California
Should I short sale my home? Should I sign a deed in lieu of foreclosure? Is it better to just let them foreclose? What will market need to recover? Answers to all your questions

Vacation Photograph

Photograph of C. G. Barbeau on vacation with Tony R Smith celebrating his pomotion to Simmons Bedding.

10/16/2010

California Native Drought Tolerant Plants for Laguna Zone 9B

Fall Color With no watering necessary
IMG_0002manzanita IMG_0003 IMG_0005 chapparal current
IMG_0007 IMG_0008 IMG_0009 IMG_0010 IMG_0011 IMG_0012 IMG_0013 catalina island cherry
IMG_0014
western red bud IMG_0016 IMG_0015IMG_0017
IMG_0018sea lavendar IMG_0019 IMG_0020 IMG_0021 IMG_0022 IMG_0023 IMG_0024 IMG_0025 IMG_0026 IMG_0027 IMG_0028 IMG_0029 IMG_0030 IMG_0035 IMG_0036 IMG_0037 IMG_0038
I plan to replace my grass with a low growing flowering meadow. There are several commercial seed mixes available but I want to combine three or four varieties of clover (red pink and white). The clover will supply nitrogen and having different varieties will allow them to survive all year round. I am considering adding dwarf yarrow, baby blue eyes (very popular in England but might not fair well in full sun) and either corsican mint or globe
gilia_capitata-globe gilia globe gilia might be too tall.
nemophila_menziesii-baby blue eyes baby blue eyes --- nemophilia-menziesii
I want to find red, purple and white clover as the nitrogen fixing base for the new lawn carpet .I shopped on line and found some wholesale sites but need more research
Please see my “before photos and general plan:
http://www.johnnyseeds.com/c-212-legumes-grasses.aspx?pagesize=15&list=1&pagenum=2
http://larnerseeds.com/_pages/sales.html
http://www.wildflower.org/suppliers/show.php?id=103 this nonprofit website has numerous helpful links
http://www.parkwholesale.com/page/wholesale_ecatalog/