4/09/2013

Peace With Crows


This is an update to my story about trying to deal with an overpopulation of crows in Laguna Niguel California. The crows are aggressive and tear up lawns, and destroy property. Rather than the typical pest control approach, I have found success dealing with the many black birds as friends who have a right to my hillside and ocean view in Orange County. Old post here: http://cgbarbeau.blogspot.com/2012/11/crow-prevention.html

Sunflowers in my garden in Laguna Niguel

Crow on streetlight in Dana Point
I experimented with the following procedures:

Feeding the crows sparingly while I am outdoors in my garden.
Not acting hostile or shooing them away, sometimes allowing them to eat my sunflowers when they go to seed.
Planting three kinds of clover in the lawn areas, and plenty of wildflowers and seed bearing annuals that offer bright color and food for a variety of song birds, and the crows.
Never buying any chemicals for lawn and garden, finding natural balances.
I have been more than happy with the results. Some solutions lead to surprises.



My clover lawn has prevented the crows from tearing up the roots to be able to eat those large white grubs. Because its roots are deeper and winding the crows don’t bother with my lawn but also I do still randomly befriend them.

I still have the grubs in the lawn and continue to use NO pesticides no herbicides and no chemicals in all of my garden. I allow the clover to go 4 weeks and then mow it. After mowing it is the brightest neon green. I think it is much prettier than any rolled out sod.

The clover mix works and lasts through the summer heat. Because I just threw red white and pink seeds out, they seem to rotate in the seasons as to which variety is the strongest. The white likes full sun and heat while the red flowering prefers cooler and shade. The clover puts nitrogen into the soil and the clippings compost in days into soil that has added natural nitrogen.

 

I water much less, waiting for the clover to actually look wilted dry.  I didn’t have the sprinklers on all winter or so far this spring. In the summer my “grass areas” only need watering once a week in the morning before light.  I am conserving water (making my bill with Moulton Niguel Water less) and saving money on an expense.

 

As to the crows--- There is a large pair and my teenagers have named about five of them that we can recognize by injuries to their wings, personality and calls. The crows never “poop” on our cars, but yes on other people’s cars. We have an elderly Golden Retriever who likes to sunbathe and the crows seem to know her as well.  I put out peanuts or the heel of sprouted bread or a piece of fruit in the same spot in the front maybe once a week and they are gracious about the treats.

 

Miraculously the crows have left alone the mourning doves nesting in my front yard gazebo and the towhees who tap at the brass reflections on my front doors. Fidalgo (a California towhee who has been around a year) is free to obsess about the bird in the reflection of the windows in my living room. I put this fake blue bird to clue him that the mirror reflection is not a towhee but he cannot stop himself. The towhee is another story, but in short they are terrific because they eat spiders, snails and pill bugs.

 

All things in balance, the crows were here first.

 

4/07/2013

Dana Hills Lacrosse Games

Dana Hills High School, Dana Point, California
 Lacrosse Junior Varsity Remaining Games:

My son Carson Barbeau # 54 who would suspect this sweet face will knock the ball out of your net every time?

Tuesday   April 16th  7:30 PM in Dana Point
Thursday April 18th  7:00 at Laguna Hills High School
Thursday April 25th  7:00 at Capo Valley High School
Saturday  April 27th  3:30 at Dana Point

link to photographs of the players in action on Flickr here

http://www.flickr.com/photos/63729822@N08/



Mortgage Rates Falling


 MORTGAGE RATES TAKE ANOTHER DIP
 
 
What can I do to help your family?
Is the lowest - cheapest rate the right choice?
How can you tell by calling banks and checking their websites?
Will they be able to close on time after you paid upfront fees?
 
Whatever your financial goals may be, there ways to analyze if you should refinance your home or rental property. I offer a wide array of home loans to fit your needs and lifestyle. Lower your mortgage into the three's for 30 year and twos for 15 year...
A few options are listed below.

What are your families’ life goals? What plans are you making for the future?
  • A stable monthly payment. If you have an adjustable-rate mortgage, a fixed-rate mortgage translates into a predictable payment of principal and interest that doesn’t change over the life of the loan.
  • To free up cash in your monthly budget. Refinancing to a longer-term mortgage or securing a lower fixed rate can reduce your monthly loan payment, allowing for greater cash flow. This can help with budgeting for upcoming expenses such as additions to your family or on the opposite spectrum -higher expenses because you have children going to college.
  • Paying off your mortgage faster. Reducing the term of your mortgage – usually from a 30-year mortgage to a 10-, 15- or 20-year mortgage – will accelerate your loan payoff and help you build equity more quickly. It is important that you look into the next five and ten years, as committing to making a higher payment may cause undue stress in the future
  • Managing events in the future How long will you own the house? What is coming in the next years? Is the size of the property right for five and ten years from today?
  • We have programs even if you are upside down or your own bank turned you down  I have been closing mortgage loans in California for almost twenty five years.
To better understand the steps involved in refinancing a home,  visit my website or better yet, let’s talk about it. Get out your current mortgage statement and a pencil and paper. We will work together to find the lowest interest rates, improve your FICO before you apply as that relates to the mortgage rate, and talk about what is the best course of action for you.
If you or someone you know would like to learn more about refinancing options, please keep me in mind. I’m always available to answer your questions and to provide the information you need to make a decision that’s right for you.
In general I will encourage you to find the lowest cost loan rather than paying large fees to make a temporary fix.






Refinancing may increase the total number of monthly payments and/or the total amount paid when compared to your current situation.
Rates change often and sometimes several times during the same day.
The relative benefits of these alternatives may vary over time and will depend on individual circumstances. The longer you keep the property and your loan at the new rate, the more interest savings will be realized when compared to your current situation. Lifetime interest savings amount assumes no prepayments on current loan. The real estate market in Orange County California has increased, let’s talk about the value of your home, what is happening in Newport Beach, Laguna Beach, Laguna Niguel, San Clemente, Corona Del Mar and much of Coastal Communities in California. Reports show values within ten miles of the ocean increasing faster than other areas of California.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice
 


WHAT YOU NEED TO GATHER:


Driver’s license or other photo ID’s

Home address(es) for the past 2 years

Paycheck stubs for the last 30 days

W-2’s and Personal FEDERAL Tax Returns for the last 2 years sign page 2 of taxes

If self-employed or commissioned, personal and/or business tax returns with schedules

for the last 2 years (year-to-date profit and loss statement and balance sheets may be required)

Employment information for the past 2 years, including employer, job title, tenure and employer’s addresses

Most recent 2 months statements (all pages) from banks or other financial institutions

Source of any non-payroll deposits (order copies through your bank)

Property addresses for all real estate you own

Mortgage loan statements for all mortgages

Other insurance and HOA statements for all properties



4/05/2013

Mortgage Rates Fall

FNMA up like a rocket

What does that mean?

MORTGAGE RATES FALLING

Call for a quote today or this weekend....  (949) 784-9699 Caroline Gerardo NMLS #324982

Interest  rates for a 30-year fixed mortgage average dropped 3.5% percent in the week ended today, down from 3.57 percent, according to  Freddie Mac (FMCC) . The average 15-year rate slipped to 2.74 percent from 2.76 percent.

CORELOGIC reports U.S. home prices rose 10.2 percent in February from a year earlier, the most since March 2006. March 2013 was the 12th consecutive month of  gains as low borrowing costs drove demand with no inventory for residential real estate  i.e.: few homes on the market almost Nationwide.  Seems everyone is waiting for the happy days to be here again. With mortgage rates taking a dip in California it is expected to heat the market higher.

Values in Newport Beach, Laguna Beach, Laguna Niguel, Dana Point and Huntington Beach have climbed higher in year-on-year than the national average, almost 18% increase. Orange County to take off like a rocket?