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Don't get bit by the bank.
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6/28/2013
Don't Get Bit By the Bank
6/27/2013
Chloramine Poison Water?
Poison in Our Orange County Tap Water?
.JPG) |
| Ocean View South Laguna We all Expect Clean Blue Water |
In
the past two years I have purchased two new water heaters, two washing
machines, changed out my toilet flappers every four months, installed new
toilets, notice yellowing in plants, dinghy white laundry and blue and white
scale on my pool. The cause is Moulton Niguel Water District’s switch to
chloramine. Chloramine makes water highly corrosive. I can’t find any
studies completed to demonstrate if it is safe.
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| my toes in the bathtub |
Plumbing
trucks are now common neighbors working on replacing leaks, toilets, water
heaters in Laguna Niguel. Changes in water chemistry have caused the water to
become aggressive towards the piping. Copper, galvanized, plastic and
fiberglass used in pool pumps are all effected with fissures, cracks and pin
holes at the start.
Moulton
Niguel Water Company started using chloramines recently. This cocktail of
chlorine and ammonia is employed in the water treatment process to kill
bacteria in our drinking water. NH2Cl
is used as a disinfectant in as an alternative to chlorination.
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| desert plant |
Why did they switch? Moulton Niguel Water saves money by
cutting chlorine costs with chloramines.
Lennar Homes and others have filed lawsuits against
Moulton Niguel Water ( MNWD). The complaint alleges leaks in copper "are the
direct and/or proximate result of corrosive, aggressive, and/or improperly
treated water" supplied by MNWD. Lennar sued MNWD for construction leaks
and for any costs, damages or settlements incurred by the home builder as a result of the
leaks.
A
few facts:
Chloramine releases mercury from dental amalgams (you know the old silver colored fillings in the back of your mouth).
It shakes loose lead solder in older pipes. It quickly kills frogs and other amphibians, reptiles, turtles, fish and other aquatic and marine life, to the extent that you cannot use chloramine-treated water to fill up a fish tank or backyard fish pond.
I
didn’t know it was toxic to turtles until recently after my pet of 29 years
died in my yard this spring.
Chloramine
corrodes rubber toilet flappers and gaskets, rubber hoses, and rubber fittings
in dishwashers and water heaters.
Chloramine
de-elasticizes PVC pipes. The pipes become brittle plastic. Particulate of
the plastic and oil by products leach carcinogens from the plastic pipe and
joint compounds into drinking water.
Chloramine
doesn’t evaporate by letting it sit out in an open container. A carbon filter
can remove the chemical from your drinking water.
Taking a long relaxing shower might be toxic. Heat converts chemicals to a toxic gas.
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| murky water |
Some
Suggestions:
Adding
fruit, such as slices of peeled orange, to a 1-gallon water pitcher, which will
softens but not totally neutralize chloramine in about 30 minutes by adding
degradable food substance and raising the PH.
Boiling 26 hours or 8 hours of Ultraviolet light Dissolving a 1,000-mg
vitamin C tablet into your bath water, which will neutralize the chloramine in
an average-size bathtub. Ascorbic acid and
sodium ascorbate neutralizes both chlorine and chloramines but degrades in
a day or two which only make it usable for short-term applications. SFPUC
determined that 1000 mg of Vitamin C (tablets purchased in a grocery
store, crushed and mixed in with the bath water) remove chloramine completely
in a medium size bathtub.
Adding water softener salt to your toilet tanks and wash
loads helps a bit with the rapid breakdown of rubber and plastic parts.
I am researching water filtration systems that we might
install at the water head. Even my shut off valve to the main is so badly corroded;
it is difficult to turn the water off in an emergency.
There
are other disinfection techniques available to City Water Districts , such as
ultraviolet light and micro-filtration, which would be safer. I hope other
local residents will investigate and find solutions. Meanwhile MNWD increased
the cost of water…
6/26/2013
Rates Up and Appraisal Low Whatever Shall We Do?
Presentation for the Laguna Board of Realtors June 2013
Market trends Orange County California
What drives mortgage rates? How to deal with a low appraisal now that values are pushing upwards. How to deal with mortgage rates that have increased one percent. How to still buy the house you have under contract. Rates Up and Appraisal low we can deal with it.
6/25/2013
6/20/2013
Bank Missed the Boat? Mortgage Rates High?
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| "Wells didn't lock my loan, the home dream boat is sinking..." |
Bank mortgage lender missed the boat?
Loan Type
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Rate
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APR
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Conv. 5/1 ARM
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2.75%
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2.882
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Conv. 7/1 ARM
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3.00%
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3.192
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Conv. 15 yr. Fixed
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3.25%
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3.378
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Conv. 30 yr. Fixed
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4.00%
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4.187
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FHA/ VA 15 yr. Fixed
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3.25%
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3.369
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FHA/ VA 30 yr. Fixed
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3.75%
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3.822
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LENDER MISSED THE BOAT?
THE BERNANKE DEAL OF THE DAY
6/21/2013 Rates subject to change. Terms and conditions may
apply. Purchase transaction, 80% loan 20% cash down, middle FICO score 760, owner occupied single family rate lock
15 days
Pulling your hair out with Wells Fargo, Chase or some other bank?
Full documentation California purchase only application before 6/21/2013 3:00 PM Pacific Time
Qualify with a real direct lender.
Underwriting is two business days.
From complete application we can close in 11 days.
This is not an offer to lend, nor loan approval. Thank Mr. Bernanke for his knee jerk reaction to President Obama.
6/19/2013
Fix Your Credit
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| Marah Macrocarpus Laguna Canyon, |
Fix your Credit
Everything spiny and thorny can be repaired
This post is one of several where I offer consumers methods to improve their FICO score to get a mortgage loan. FICO scores determine a part of the interest rate you can get on a home loan. If you are shopping for a house in Newport Beach, Laguna Niguel, or anywhere it is time to do a tune up on your FICO BEFORE you get into contract or apply for a mortgage.
·
Opt out don’t let them
pull your credit and leave your information in a dumpster, don’t give people
your full social security number and full driver’s license number.
http://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers/
·
Apply for a secured credit card: If your situation is that you will not qualify for an unsecured credit
card, than a secured credit card may be a great option. Secured credit cards
require a deposit into an account to serve as security for the card ($500 or
terms according each individual bank). Make all payments on time, as months pass the
history boosts your score.
·
Become an authorized user on a family members’ credit card: Being added as an authorized user on a family members’ credit card can help add positive credit. When added as an authorized user, you will be issued a credit card (which I would encourage you DO NOT use) and that trade line will begin being reported on your credit bureau. As time goes forward, you can benefit from the family member’s positive credit. Make sure the family member is using that credit card responsibly so that you are benefiting from a positive score.
Become an authorized user on a family members’ credit card: Being added as an authorized user on a family members’ credit card can help add positive credit. When added as an authorized user, you will be issued a credit card (which I would encourage you DO NOT use) and that trade line will begin being reported on your credit bureau. As time goes forward, you can benefit from the family member’s positive credit. Make sure the family member is using that credit card responsibly so that you are benefiting from a positive score.
·
Credit Unions:
Establishing positive credit requires a mix of credit types (revolving and
installment). Often times, credit unions are a more gracious in dealing
with consumers with less than stellar credit. Apply for a small ($500 or less), short term (12 months or less)
installment loan which, when properly repaid, can add valuable points to the
credit score.
· Keep your balances low on unsecured revolving debt like credit cards. High balances still owed can affect a score.
· The amount of unused credit is an important factor in calculating your score. You should only apply for credit you need.
· Make sure the information on your credit report is correct. If it is not, dispute it with the Bureau Company or lender directly.
· Removing negative accounts on your credit report has the biggest impact on your score.
· 30% Amounts owed
· 15% Length of credit history
· 10% New credit
· 10% Type of credit
You must use credit in order for it to report to the bureaus
this is one of 4 posts about credit repair also see http://cgbarbeau.blogspot.com/2010/05/fix-your-fico-free.html
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