Easy Salmon recipe

So Easy Salmon Recipe

Fresh not farmed salmon with skin on
3 sprigs of rosemary for each piece of salmon longer than the flesh
1 teaspoon soy sauce
1 teaspoon olive oil

Prep time : 2 minutes
Cut fresh rosemary and rinse in water
Wrap the rosemary around the salmon
Sprinkle with soy sauce and olive oil
skin side down
Wrap in foil tent
Grill or bake time: 5 minutes or less check thickness of fish

This can go on a hot barbecue or in the oven at 400 degrees
Take off heat in eight minutes and keep wrapped in the foil for four
Check center for the pinkness you prefer

Nutrition facts:  vitamin B3 (niacin) and vitamin B6.Vitamin B3 helps to lower cholesterol levels, whereas vitamin B6 improves brain health, Vitamin D, omega-3 fatty acids protein packed

Author: Caroline Gerardo
Category: Main Course
Cuisine: California 
Cook time total: 7 minutes

salmon grilled wrapped in rosemary
Serve with a spinach salad and a glass of chardonnay


Home Prices Push Mortgage Rates Increase

C G Barbeau(949) 784- 9699
NMLS 324982
Mortgage Consultant
Eagle Home Mortgage

Supply and Demand Pushing Home Prices Higher

Tuesday, May 5, 2015 

Nationwide home prices are now within 10 percent of their pre-crash peaks and seven states have surpassed those peaks, some have been establishing new high marks for several months.  CoreLogic said today that its Home Price Index (HPI) that tracks that home prices nationwide, including distressed sales, rose in March for the 37th consecutive month on a year-over-year basis.
The HPI was up 5.9 percent in March 2015 compared with March 2014 a +2 percent change from the year over-year HPI increase in February.  The March HPI was also up 2 percent compared to the previous month.

The states with the greatest increase in its HPI including distressed sales were: Colorado (+9.2 percent), South Carolina (+9.1 percent), Kansas (+8 percent), Texas (+8 percent) and Nevada (+7.6 percent).  Two states and the District of Columbia experienced home price depreciation; Connecticut was down 0.6 percent, the District of Columbia decreased 0.2 percent and Maryland was off 0.1 percent.   
Excluding distressed sales, home prices increased by 6.1 percent in March 2015 compared with March 2014 and increased by 2 percent month over month compared with February 2015.  The five states with the highest home price appreciation were: Kansas (+9.5 percent), Colorado (+8.5 percent), South Carolina (+8.2 percent), Florida (+7.9 percent) and Texas (+7.6 percent).  Only New Mexico (-0.4 percent) showed year-over-year depreciation on the HPI excluding distressed sales which include short sales and real estate-owned (REO) transactions.

"The homes for sale inventory continues to be limited while buyer demand has picked up with low mortgage rates and improving consumer confidence," said Frank Nothaft, chief economist for CoreLogic. "As a result, there has been continued upward pressure on prices in most markets, with our national monthly index up 2 percent for March 2015 and up approximately 6 percent from a year ago."

HPI including distressed sales will increase by 0.8 percent from March to April 2015 and by 5.1 percent from March 2015 to March 2016.  For the HPI excluding distressed sales the monthly increase is predicted at 0.7 percent and the annual increase from March 2015 to March 2016 at 4.7 percent this per Corelogic

"All signs are pointing toward continued price appreciation throughout 2015. In fact, the strong month-over-month gain in March may be a harbinger of accelerating price appreciation as we enter the spring selling season," said Anand Nallathambi, president and CEO of CoreLogic. "Tight inventories, job growth and the inexorable impact of demographics and household formation are pushing price levels in many states, and especially large metropolitan areas like Dallas, Denver, Houston, Seattle and San Francisco, toward record levels."

Including distressed transactions, the peak-to-current change in the national HPI (from April 2006 to March 2015) was -11 percent. Excluding distressed transactions, the peak-to-current change for the same period was -6.7 percent.  The peak-to-current declines were greatest in Nevada (-34.7 percent), Florida (-31.5 percent), Rhode Island (-29 percent), Arizona (-27.4 percent) and Connecticut (-25.5 percent).

Ninety of the top 100 Core Based Statistical Areas (CBSAs) measured by population showed year-over-year increases in March 2015. The 10 exceptions were the metropolitan areas that contain Baltimore,  Philadelphia, Camden, New  Jersey;  Hartford, New Orleans, Rochester, Worcester, Massachusetts; Albany, New Haven, and Wilmington, Delaware. 


25 White Sail Laguna Niguel for Sale

25 White Sail house for sale Laguna Niguel California

Two story ocean view home
Luxurious yard with built in brick areas for entertaining
For Sale by Owner will cooperate with Buyer Agents
single loaded street
San Marin HOA $192
Malcolm Elementary School
Master bedroom and bath are huge!
private, pool jacuzzi, peaceful
ocean views canyon views
cool breezes
built in brick barbecue, sink, fire pit, two gazebos
heirloom roses, organic gardens, flowers
4 bedrooms and a bonus that could be a master
3 bathrooms
clean well loved happy house
hummingbirds nesting in the gazebo come with the house

(949) 784- 9699
For Sale By Owner


Mortgage Loan Privacy Free Test

Privacy in Mortgage Banking transactions

Twenty Questions with Correct Answers
Can you pass?
Free exam with the
The Disposal Rule promulgated by the FTC pursuant to the FACT Act requires:
Select one or more:
a. The proper disposal of consumer credit reports or information derived from consumer credit reports
b. Provides very specific acceptable manners of disposal
c. Allows for flexibility on the part of the disposer of the information
d. Applies only to financial institutions
The government agency in charge of enforcing the GLB Act is:
Select one:
a. The Federal Reserve Board (FRB)
b. The Federal Trade Commission (FTC) and the Treasury Department
c. The Securities and Exchange Commission (SEC)
d. The Office of the Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS), the National Credit Union Administration (NCUA) and the Federal Deposit Insurance Corporation (FDIC)
e. All of the above
Question 3
The required components of the privacy notice given to customers include:
Select one:
a. Providing an opt out
b. Notifying the customer of who the NPI is shared with
c. Notifying the customer about how NPI is protected
d. All of the above
e. Notifying the customer about what type of NPI is collected
Question 4
The first law to recognize that personal, non-public financial information was private and should be protected is:
Select one:
a. Privacy Act of 1974
b. Right to Financial Privacy Act
c. Fair Credit Reporting Act (FCRA)
d. Financial Services Modernization Act (also known as the GLB Act)
Question 5
The required components of the privacy notice given to all consumers include:
Select one:
a. Notifying the consumer about what type of NPI is collected and who it is shared with
b. Providing an opt out
c. Notifying the consumer about how to obtain a copy of the privacy notice
d. A and B only
e. B and C only
Question 6

The privacy notice must meet certain appearance requirements which include:
Select one or more:
a. Clear and conspicuous language that is easy to understand
b. Must be printed in bold type
c. If provided on the website, it must be on a page that is regularly accessed by the customer, or show the link on a page that is regularly accessed by the customer
d. Must be stated in a way that calls attention to the importance of the notice
e. All of the above
Question 7
Account numbers may never be shared:
Select one:
a. With service providers who cannot initiate charges to the account
b. For marketing purposes
c. Even if the account numbers are encrypted and the recipient has no way of decoding them
d. All of the above
Question 8
Under the GLB Act a financial institution has the responsibility to:
Select one:
a. Keep financial information private
b. Only share with affiliates after informing individuals of information sharing policies and providing an opportunity to opt out
c. Never share account numbers for marketing, even if the customer did not opt out
d. All of the above
e. Only A and B
Question 9
The GLB Act was enacted to address concerns regarding:
Select one:
a. Technological advances that affected the finance industry
b. Improper use of consumer credit reports
c. Identity theft
d. Both A and C
Question 10
The opt-out notice required by the GLB Act prior to sharing NPI with non-affiliated third parties must:
Select one:
a. Provide a reasonable means of opting out and provide a reasonable time to opt out
b. Be affective for at least 12 months
c. Be given verbally or in writing
d. All of the above
Question 11
Information that is not subject to the privacy provisions of the GLB Act is:
Select one:
a. Information that is publicly available
b. Information that the institution reasonably believed was publicly available
c. Both A and B
d. Neither A nor B
Question 12
FCRA allows for the sharing of consumer credit information:
Select one or more:
a. With non-affiliates, but only with an opt-out
b. Without providing an opt-out notice
c. With affiliates, and no opt-out is required
d. With affiliates, but only with an opt-out
Question 13
A consumer, for the purposes of the GLB Act, is someone who:
Select one:
a. Has obtained a financial product from the financial institution
b. All of the above
c. Obtains or will obtain a financial product or service
d. Has an ongoing and continuous relationship with the financial institution
Question 14
The GLB Act allows a financial institution to share NPI with non-affiliated third parties subject to certain exceptions. Those exceptions are:
Select one:
a. Service providers and vendors
b. Information shared pursuant to a joint marketing agreement if the agreement is in writing and for financial products or services
c. To administer or service the account
d. Information is required pursuant to court order, subpoena, search warrant, or in conjunction with regulatory examination
e. All of the above
Question 15
The privacy provisions of the GLB Act apply to the non-public, personal information (NPI) of:
Select one:
a. Consumers
b. Customers
c. Businesses
d. Both A and B
e. All of the above
Question 16
The required features of the Safeguards Rule include all except:
Select one:
a. At least one employee specifically designated to coordinate the program
b. Continuous monitoring, testing and updating of the program
c. A written safeguarding policy
d. Safe harbor for institutions who use a third party to provide safeguarding services
Question 17
According to the Safeguards Rule, assessing the risk includes:
Select one:
a. Employee management and training
b. Testing the integrity of the system
c. Relying solely on third parties to safeguard customer information
d. All of the above
e. A and B only
Question 18
In order to deliver the privacy policy via website, the financial institution must:
Select one:
a. Receive customer consent to receive it in this manner
b. First provide the policy in paper form at least once
c. Obtain written consent to receive it in this manner
d. Also provide the policy in paper form
Question 19
Privacy of personal and financial information is codified by the following federal statute(s)?
Select one or more:
a. Equal Credit Opportunity Act (ECOA)
b. Fair and Accurate Credit Transactions Act (FACT Act)
c. Gramm-Leach-Bliley Act (GLB Act)
d. Fair Credit Reporting Act (FCRA)
Question 20
Liability and penalties for violations of the GLB Act include:
Select one:
a. Liability for the institution as well as for individual employees and directors
b. Fines of up to $10,000 per individual and $100,000 per entity
c. Imprisonment
d. Loss of lending privileges
e. All of the above

Correct answers are in bold type :) 

Caroline Gerardo

NMLS 324982