Rent Cap California

California home prices continue to rise. Our State has the second highest poverty rate in America and growing homeless populations. A couple recent laws were passed which attempt to fix these problems.

The Rent cap bill, AB 1482 made rent control the law of the land in California this month. Landlords can only raise rent for an existing tenant by 5% after inflation. 

 The cap initially applies to California apartments built before 2004. It exempts single-family homes (unless owned by a corporation) and duplexes where the owner lives in one of the units. Buildings constructed in the last 15 years will be folded in on a rolling date, meaning units built in 2006 will be covered in 2021, units built in 2007 will be covered in 2022…

(The rate of inflation is tied to the Consumer Price Index in each metropolitan area)

New laws for granny flats and Accessory Dwelling Unit Laws also passed in 2019. One law addresses home owners that created accessory dwelling units (ADUs) without the required building permits may have the opportunity to bring their ADUs into compliance. For ADUs that were constructed without building permits, local building officials now have the option to inspect an ADU and bring to code. Cities also have newer building codes allowing for a garage unit or tiny house.

What do these trends mean? Housing is tight in California. Homeowners need to find ways to adapt to waves in housing. Real Estate investors need to be ahead of the trends. What do you think is ahead for real estate? 

Rates are at all time lows.

Caroline Gerardo Barbeau   C G

(949) 784- 9699

NMLS 324982

CMG Financial

https://www.cmgfi.com › agents › caroline--gerardo-barbeau

https://cgbarbeau.blogspot.com/ 

Bolognese RECIPE

NONI’S Recipe 

for Bolognese Sauce

Our Noni was known to smoke a cigarette while stirring and sometimes a few ashes or as she would say, “Secret sauce,” might fall in…
I don't smoke; but there is magic in the vegetables being invisible once you are finished.
She might substitute with what she had or what was fresh, growing up in the Great
Depression makes a cook become a special chef. Sometimes she would put a few fennel seeds. Sometimes she would count the seeds and say a prayer for each grandchild as the five seeds dropped into the sauce. You can substitute and make this vegan by: (change the meat out with 3 cups of a variety of mushrooms, add a half teaspoon of cumin and half teaspoon of paprika - change the chicken stock to veggie and cup of coconut cream instead of the milk) 

Chop, and chop again on the diagonal and vertical to make everything small.

This winter or Autumn delight will be appreciated by children and adults.

Make the sauce on Sunday and serve this delicious luxury up on Tuesday in less than ten minutes to the table.

Put a candle on the table, if you don’t have candle holders, use a bottle, and turn off the cell phones.

Have a glass of Pinot Noir with this. 
This is not gluten free, but you could make with gluten free pasta and be fine.

This is not a low carb, Keto diet item, this is pure comfort food. You could cheat and buy the chopped mire-poix from Trader Joe's (in the cold case and then chop to act like you did all the work – thus omitting the onion, celery,

Carrot) but you will still need to chop everything else. This is a dish that sings love.
Noni is in heaven she would be happy you are making this recipe.

If you have one diner who likes the sauce spicier - offer them red chili flakes.
If you have one "eater" who likes the sauce saltier- offer soy sauce (yes) 
We aim to please; but not a vegan offering, sorry for my daughter who would
have the noodles with a little homemade pesto- that's another recipe.
That's Italian !

INGREDIENTS:

·         1 medium onion, chopped fine, repeat the chopping

·         1 celery stalk, chopped fine

·         1 carrot, no peeled, chopped fine

·         1 green bell pepper chopped fine- Into 1/8 inch pieces

·         3 cloves garlic chopped tiny super tiny

·         3 Tbsp.  olive oil this doesn’t need to be extra virgin

·         ½  lb. ground beef chuck (20% fat),  dry off the blood with paper towels

·         ½ lb. ground pork again dry it off

·         1 tsp Kosher salt

·         3 oz. thinly sliced pancetta, finely chopped

·         1 cup dry white wine – left over wine or cook’s wine but not bad wine

·         ⅓ cup tomato paste is about a small can

·         two bay leaves

·         Pinch of finely grated nutmeg

·         2 cups (or more) homemade chicken stock or low-sodium chicken broth

·         1 cup whole milk

·         Cup or two of Great Parmesan cheese at least 2 ounces I’d say 4

·         Sprigs of fresh basil

·         An old can to put the grease in. "Don’t put down the drain," as Noni would say, this too had a second purpose

DIRECTIONS:

Brown the meat in large heavy pot two batches over medium heat for about 6 minutes

Remove meat and put in a bowl.  

The meat is not dry or fully cooked.

Drain grease from the pot.

Put 1 Tbsp. olive oil in same pot with pancetta- brown until crispy. Remove from pot.

Put on top of half cooked meat in bowl. If you prefer to reduce the fat you can put on

A paper towel and dry off some grease before adding.

Don’t drain the pot again

- add 2 Tbsp. olive oil and all the vegetables. Sauté for 4 minutes stirring

Slowly.

Add the meat and pancetta to the vegetable pot, add 1 cup white wine, small can tomato

Paste, bay leaf nutmeg and stock – allow to simmer on lowest setting for two hours with the lid off.

Can also be put into crock pot; but then you have another pot to clean. Stir every 15 minutes so the

Bottom doesn’t brown. Add milk. Simmer on lowest setting for 30 more minutes

It is Vital that you watch the sauce in the last hour- if it gets dry add more chicken stock at 1/8

Cup at a time and stir.

Sauce can be made on Sunday and used on Tuesday – refrigerate in tight sealed container.

Tuesday night:

Get out your favorite pasta. Boil water with salt and pepper then add the dry pasta for

About 3 minutes. Drain in a colander very well.

Grate some wonderful Parmesan cheese – a cup or how much you desire

Find the Bay leaves and throw away. Reheat the sauce for 4 minutes stirring.

Add the drained pasta into the sauce pot.

Serve hot

Put the cheese in a bowl and allow everyone to add cheese as they prefer

Snip a few sprigs of basil on top for color.

TIME TO COOK:

Sauce takes 10 minutes preparation time
 and two and a half hours to cook time

To boil the pasta about four minutes

Reheat another five.

Total three hours to table

Nutritional FACTS:

A 75g portion of spaghetti contains 260 calories (13% of the Reference Intake (RI) for calories) and 0.2g of sugars (less than 1% of the Reference Intake for sugars).

As you can see from the second label, 125g of Bolognese sauce contains 50 calories (3% of the Reference Intake for calories) and 8g of sugars (9% of the Reference Intake for sugars).

The mince contains 190 calories (10% of the Reference Intake for calories) and no sugars.

In total, the meal contains 500 calories (26% of the Reference Intake for calories) and 8.2g of sugars (10% of the Reference Intake for sugars).

Servings Per Recipe: 8

Serving Size: 1 serving

Serving is about a cup

Calories	351.4
Total Fat	22.9 g
Saturated Fat	8.7 g
Polyunsaturated Fat	1.2 g
Monounsaturated Fat	10.3 g
Cholesterol	75.0 mg
Sodium	392.7 mg
Potassium	616.4 mg
Total Carbohydrate	11.7 g
Dietary Fiber	1.9 g
Sugars	3.1 g
Protein	20.8 g

Vitamin A	4.6 %
Vitamin B-12	39.3 %
Vitamin B-6	21.3 %
Vitamin C	15.8 %
Vitamin D	6.4 %
Vitamin E	4.9 %
Calcium	4.2 %
Copper	14.2 %
Folate	7.8 %
Iron	17.7 %
Magnesium	9.5 %
Manganese	17.6 %
Niacin	33.7 %
Pantothenic Acid	10.4 %
Phosphorus	20.1 %
Riboflavin	24.5 %
Selenium	32.0 %
Thiamin	10.0 %
Zinc	28.8 %

*Percent Daily Values are based on a 2,000 calorie diet. Your daily values may be higher or lower depending on your calorie needs.

Cuisine: Italian
Author: Caroline Gerardo
Easy

Pets For Vets

Clarissa Black founded this wonderful non profit organization. They  match shelter dogs with veterans who need a companion. They provide training of the animal and counseling for a vet who my be suffering from PTSD or combat stress.

They help any United States Veteran adopt a skilled animal companion.

here is their email contact them to find the local office

cclile@petsforvets.com.

Close Mortgage Home Loan Fast

All the steps All the ins and outs to make sure your home loan closes in
twenty days or less. It's all about communication.
Call me to find out how to get the best deal that is right for you!

C G  (949) 784- 9699

NMLS 324982

Equal Opportunity Lender

Realtors Sell More homes

Sell More Homes With a Smarter Loan

Fall Planter Succulent

Simple Autumn project.


















Purchase live pumpkin and scoop out the seeds
Add 1/4 inch gravel to the bottom, then half fill
with potting soil.
Place your cuttings of succulents in the "pot/"
With a spoon add some more soil to about
eight percent. Trim the top with sphagnum moss.

This won't last forever. IF you keep it cool and
don't overwater it will last until Thanksgiving.
By Thanksgiving you can repot the cuttings
which now will have roots and grow a bit larger

Succulents are eash to propagate. This makes a cute gift
or table decoration (place a papertowel under the bottom).

Mortgage FAST

Close A Mortgage Loan in Twenty Days

 https://youtu.be/No1or4xBxkw

Complete the application before the offer is made.

This can be accomplished a couple ways: Call me and I ask forty questions. Then I email forms to sign. A mortgage application is completed in-person, by telephone, online, by an online application, email and any combination of communication. Prepare all income, asset, and identification. It is important to open email daily and respond to phone calls in an hour. This transaction takes concentration and caring. Paperwork must be totally clear to read the account numbers, and the fine print. If the Borrower doesn’t have a scanner available. I will loan one. Taking a photograph with a phone is going to result in frustration as the image comes out blurry, dark or curled. Download bank statements, save as and give it the month and initials of the bank, and save to the desktop to email clear pdf copies. E

“Prepared” means having employment and address information for the past two years. Lenders need employer’s and landlord’s contact information; bank, retirement, and investment account statements- every page (including last one with nothing written) for the past 60 days; proof of income, which is past 30 days pay stubs and two years W-2 forms or is self-employed two years IRS tax returns.

With this information we may be able to provide a written “preliminary approval”, all supporting paperwork and documentation is verified and vetted.

After preliminary approval is issued, a mortgage banker may ask for other paperwork which proves the information shared as part of the application.

Additional paperwork may be needed such as: copies of business licenses, gift letters for down payments, student loan terms, bankruptcy docket summary, an perhaps letters explaining any name variety (often married and maiden or initials in the name differ), any money deposited larger than $500.00 or  “large, atypical deposits” in the bank account will need to be “sourced.”

Once the lender has reviewed and “signed off” on paperwork, it will issue a pre-approval letter.

A pre-approval letter is proof that the loan can be approved, so long as the property purchased meets lender guidelines, and so long as Borrowers don’t make any “material” changes to the application. Do not purchase or finance anything such as furniture or a new vehicle during this time. Borrowers should not quit employment during this time.

IF the loan is a purchase, Borrowers receive an email disclosure of all the costs. It is important that Borrowers open and e-sign the acknowledgement that they have read all the documents. The e- signature process is very important, it is a time clock that runs with calendar days of the transaction. Failing to e-sign causes delays. This first disclosure is called a Loan Estimate.

After Borrower e-signs the disclosures the lender collects credit card information to order the appraisal. Lenders cannot speak to appraisers. The Lender orders the appraisal through an outside company. This appraisal management system puts the property out for bid to locate a local appraiser willing to accept the work.

Locking the loan or changing any terms of the transaction cause for re- disclosing and repeat the e-signing.

Buyer agent and Listing agent should be notified by lender of contact person for the appraisal. Listing agent is responsible to provide comparable sales in the past three months of similar square footage in writing to the appraiser’s hands. Listing agent also must make certain all health and safety code violations are corrected BEFORE the appraiser sets the appointment. Lack of carbon monoxide detectors, improper water heater straps and broken windows are health and safety code violations. These must be fixed before appraiser appointment to avoid delays.

After the appraisal is completed, the buyer receives an email copy of the report then after, the report is emailed to the Lender.  The lender double-checks the information and may notify Buyer agent of any issues.

At this point hazard insurance policy should already be at escrow with the lender’s loss payee clause.

Lender communicates with escrow to complete the final numbers and issue a Closing Disclosure. This Closing Disclosure is emailed and must be e-signed as soon as possible. This will give the buyers the amount they need to wire to close.

Wiring funds must be taken with utmost care. There are bad actors out there who can email the incorrect account to wire to and they can steal funds. Triple check the account information by calling the escrow officer. The buyer goes to the bank to wire the total closing costs, (often with a pad of $300.00) into an escrow account with the title company.

An appointment with a notary is set up with Borrower personally for signing the final set of mortgage documents. These papers are the same set as the Closing Disclosure, plus those from escrow, and any from the contracts. A current driver’s license or passport, an hour, and Borrower’s thumb for thumb printing. Borrower must send proof that the wire cleared one of the accounts that the lender already reviewed. The online printout of the daily balance showing the wire left the account must have the URL of the bank at the bottom. This is accomplished by “save as” and giving a name then emailing to the lender.

After Borrower (and spouse if not on the transaction) have signed, and funds are cleared the lender reviews the documents to make certain everything is signed properly, and they balance with escrow.

After this the loan records at the county recorder and the deal is closed.

Caroline Gerardo Barbeau

C G

NMLS 324982

(949) 784-9699

Caroline Gerardo Barbeau's MySite - CMG Financial

https://carolinegerardo.blogspot.com/

Cheap Drip Vacation Watering System

I live on a ranch. I have 188 potted plants in the greenhouse and surrounds. I know the number because before I went on my trip to Alaska I rigged a funky drip watering system for all the plants.
I had saved one gallon and a variety of water containers for a couple months. Poke two pin holes in the lid and check how fast the flow operates- this varies from bottle styles. You may need four holes to get a nice slow drip.
Water all the plants before you go on vacation. Check that they all have some type of bottom saucer to hold the run off.
All my plants and seedlings lived during 100 degree heat without water for fourteen days. Some were wilted and thirsty, but they made it. It's not pretty but very functional

One gallon Water Bottles will need sticks to prop them up

sticks holding the water bottle straight

The plastic mesh was added around the potted plants to keep my chickens out while I was on vacation for a couple weeks

Mortgage Loans

Rainy day in NOLO by Caroline Gerardo ©

Is It Impossible to Get a Mortgage Loan? 
No it's POSSIBLE 
The Challenges:
Past credit crises, poor economies and resulting foreclosures caused mortgage loan guidelines to tighten. While some companies didn't survive, we're still here to continue helping those who can properly document their ability to qualify. And you might be surprised that it's not nearly as hard as some people would have you believe.
The Solutions:
Advance preparation and the right documentation will help streamline the process. 
Your Money: All necessary funds must be verified, and deposits must be documented.
Your Debts: Avoid delays. Don't open any new credit accounts. 
Your Income: We will confirm your income through pay stubs,  verification, tax returns, transcripts, etc. All new employment or variable income (such as bonus or commission) is subject to rules of history and continuance. Do not depend on this income until we discuss its acceptability.
Your Credit: If you're not already, you need to be extra mindful of managing your debts. To help protect your score:

• Do not close old or unused accounts.
• Do maintain high lines and low balance ratios.
• Do not transfer balances to a brand new card (at least not before buying or refinancing).
• Do not use your extra cash to pay off debt. Sometimes, it's better to have the cash than slightly lower balances. 

The most important thing to remember is that it's never too early to seek personalized advice. I work with mortgage loans every day, and I'm here to help you prepare so you can sail through the process when the opportunity is right. 
Financing is still abundantly available. It simply goes most easily to those who plan ahead.

Caroline Gerardo Barbeau please call me C. G. phone: (949)784-9699 NMLS 324982