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4/30/2018

Need Down Payment Cash?

 Eagle Home Mortgage, 949 South Coast Dr, Suite 240, Costa Mesa, CA, 92626
 

4/26/2018

Organic Gardening

Besti kennari i heimi the best canary in the world

fly paper

Organic gardening is cheap, easy, and healthy.

The premise is to not use chemicals. Therefore
you won't be buying Roundup, Miracle Grow, and pre-mixed soil bags.

You need an area that has sunshine and access
to a water outlet. Gardening is the best teacher in the world.

Raised beds are not necessary and may hinder you from
starting the overall project.

Draw out your pathways and planting areas.
Locate a spot away from, but not so far as to be
time consuming to access the house for a compost pile.
flower bed

Iceland wildflowers
Raised beds are not necessary and may hinder you from
starting the overall project.

Draw out your pathways and planting areas.
Locate a spot away from, but not so far as to be time consuming to access the house for a compost pile.

Composting will build years of healthy soil for the
future. A four foot long piece of chicken wire tied
together and put on its side as a bin directly on on
ground is an easy start.
Find a local coffee shop that will save you buckets
of their used grinds. Save your vegetable and fruit
trimmings, add cut lawn that is not chemically
treated, add thin layers of soil or dry leaves when you
have them. Think variety and used plants nothing
with meat, oil, or human waste goes in the pile.
If you have chicken manure, cow or goat or horse
manure these can be layered into the pile and allowed
to age as to not burn any tender seedlings.

See if you can find a local tree trimmer who grinds
up the trimmings. If you have space tree trimmers
often offer to dump a load for free, as they have to
pay fees to the dump. The wood chips will need to
age a minimum of six months to a year. Keep the pile
damp and covered with a tarp. In warm months the
pile will reduce in half. This aged mulch can be used in
your pathways or small amounts added to your compost
pile.

Pathways can be covered in used cardboard or ten sheets
of black and white used newsprint. Find materials without
colored ink, staples, tape which may add things to the
garden you don't want. The paper liner is then covered with
wood chip mulch of about three inches thick. This blacks
out weeds from growing and will save time in the long run and
add a neater look to the garden.

Planting areas should be narrow enough for you to reach
into the center.

Straight tree branches can be pounded into the bedding edges
and tied together with whatever string you have to allow
climbing vegetables and flowering vines to move towards the
sky and allow easy picking. Trellis made from branches also
provide a bit of shade for new plantings or bird netting can be added
to keep out bunnies, birds and chickens.

Loosen the soil in the beds. Add composted or aged manure
and break up the clods for planting your seeds. Soak the seeks
in little bowls in the house for a day to give them a nice wet
start.

Seeds can be traded for free, bought online in many
exchanges or if you must buy the picture packet varieties
avoid the GMO monkeyed with ones as you will want to
save the seeds for next year and Monsanto makes sure the
genetic makeup of their seeds can't be saved and reused for free


Caroline Gerardo
copyright April 26, 2018

4/25/2018

Shame on Wells Fargo

Video of old Wells Fargo office


Wells Fargo from Stagecoach to Locked Cell

Why is Wells Fargo paying billions of dollars in fines?

1. Employees paid $50 bonus for opening new checking accounts
Bank tellers, managers, home mortgage guys took customers social
security number, date of birth and address and opened accounts with
nominal $2 to get the bonus, then allowed your mother and grandmother's
account to incur over draft fees and monthly charges, then sold them to
collection accounts. Nice culture of stealing from your clients

2. Wells Fargo Home Mortgage quotes low interest rates that they don't
intend to honor or close on time. Processing takes more than thirty days
for the most cooperative borrowers and the bank blames the customer
that the client didn't answer quickly enough and charges thousands of
dollars in rate lock extension fees that must be paid non-refundable
before they approve the loan. Scam.

3. Wells Fargo Home Mortgage charges $995 in underwriting fees and
$2600 in junk loan fees - about three times the amount all other banks
charge. They also are notorious for disclosing lower upfront costs and
re-issuing the Closing Disclosure for fictitious reasons, of course blamed
upon the client for errors.

4. If you have a Wells Checking account - stop the over draft protection as
this scam will eat every dollar in the account. They are famous for charging college students and the elderly $150 a day in fees.

5. Wells Fargo is not going to give you a modification. Since 2008 they
have lied to homeowners and quietly foreclosed on Borrowers who were
in the process of applying for modification. This department forces
homeowners to send duplicate paperwork in hundreds of time as a way
to wear down the homeowner.

6. Employees pushed clients into crummy super expensive load
retirement funds.

I worked at Wachovia which was taken over by Wells Fargo.
While there so many bad people work behind the Wizard of Oz

Wells Fargo's corporate culture doesn't want to change.
Fining them what sounds like a large sum of money is
a drop in the bucket to this huge behemoth bank.







4/19/2018

Be Careful Wiring Money



BEWARE OF:

FRAUD
HACKING
STEALING wired accounts
Theft of Escrow Trust Accounts
Bad Guys Trying to Take your Down Payment

The internet is not private.

Be careful wiring money.
It's not insured.

Wire and other disbursement instructions
received by email should be confirmed by
telephone at a known or independently
confirmed number, NOT the telephone number
at the bottom of the email you are trying to
confirm. Lookup the Escrow company and Title
company you are using online AND ask your
lender if they are familiar with the persons. Lenders
have their own internal systems of verifying and
approving escrow and title companies which
includes checking with the Secretary of State,
checking loss claims, and verifying they are who
they say they are.
Be especially skeptical of any change in wiring
instructions from us or any parties involved in
the transaction. How often do people and
businesses change their wire instructions-
rare or never are they going to change the
bank account they use, unless it is hacked.
Specifically, if you receive an email or any other
communication that appears to be generated
from our office, containing new, revised or
altered bank wire instructions,
consider it suspect and call two sources to
verify at a number you trust.
Your email address is not private- if for
Example the email you are using for the
Transaction that you provided to the lender
And escrow company is the same as the
Email on Facebook assume a million people
Have the Facebook email. Don’t mention on
Social; media that you are moving, selling or
Purchasing.
Confirm the account to which you are wiring
is in the name of the party entitled to the
funds; encourage buyers and sellers to do the
same.
Be suspicious of emails from free, public
email account domains that pertain to the
movement of money, as these email accounts
are often a source of risk.
DO NOT CLICK ON Links in emails or on
Sites you don’t know extremely well.
Consider what email account domain you
use for any financial business. As stated
above, the free, public email account
domains are a target for cyber-thieves and,
without additional levels of security, are
particularly vulnerable to attack.
Watch out for phishing emails with
embedded links, even when they look like
ones sent from a trusted source.


What is phishing you ask?

People who want to steal ask questions about:
sensitive information 
usernames, 
passwords, 
names of your children
date of birth
credit card details 

Organized crime can access your information.
When you are buying or selling real estate they
know large sums of money are going to be wired.
This makes you a target when wiring your earnest
money, down payment and closing costs

Things to look for: 
Bad grammar ( they use Google Translate)
A website with colors that mimic your Bank of America, Chase or Wells Colors
email address is not from the company name
Rushing you, hurrying you for a deadline
You didn't contact them or login to your account but they say you did

4/18/2018

Buy House NO Money down


Did you know you can buy a single family house up to $679000. in Orange County California
with zero down payment? Yes no money down.
You need to have the closing costs or- title, escrow, impounds, inspections and other closing costs of about $3500 to buy an owner occupied home.
First Time Home Buyer
Qualify with IRS taxes/ W-2 forms past two years; paystubs; credit; bank statements

Call me for all the ins and outs - terms and conditions...
Why rent?