Radical Real Estate Refinancing
Click BELOW to view a discussion about refinancing to solve the housing crisis:
Foreclosure
This video was sent to me by a colleague. It does give you food for thought!
Remember our VETERANS on Veteran’s Day, November 11, 2010
Sack Lunches
I put my carry-on in the luggage compartment and sat down in my assigned seat. It was going to be a long flight. ‘I’m glad I have a good book to read. Perhaps I will get a short nap,’ I thought.
Just before take-off, a line of soldiers came down the aisle and filled all the vacant seats, totally surrounding
me. I decided to start a conversation.
‘Where are you headed?’ I asked the soldier seated nearest to me. ‘Petawawa. We’ll be there for two
weeks for special training, and then we’re being
deployed to Afghanistan.
After flying for about an hour, an announcement was
made that sack lunches were available for five dollars.
It would be several hours before we reached the east, and I quickly decided a lunch would help pass the time..
As I reached for my wallet, I overheard a soldier askhis buddy if he planned to buy lunch. ’No, that seems
like a lot of money for just a sack lunch. Probably wouldn’t be worth five bucks. I’ll wait till we get to base.’ His friend agreed.I looked around at the other soldiers. None were
buying lunch. I walked to the back of the plane and handed the flight attendant a fifty dollar bill. ’Take a
lunch to all those soldiers.’ She grabbed my arms and squeezed tightly. Her eyes wet with tears, she thanked me. ‘My son was a soldier in Iraq ; it’s almost like you are doing it for him.’
Picking up ten sacks, she headed up the aisle to where the soldiers were seated. She stopped at my seat and
asked, ‘Which do you like best – beef or chicken?’
‘Chicken,’ I replied, wondering why she asked. She turned and went to the front of plane, returning aminute later with a dinner plate from first class.
‘This is your thanks.’
After we finished eating, I went again to the back ofthe plane, heading for the rest room. A man stopped
me. ‘I saw what you did. I want to be part of it. Here, take this.’ He handed me twenty-five dollars.
Soon after I returned to my seat, I saw the Flight Captain coming down the aisle, looking at the aisle numbers as he walked, I hoped he was not looking for me, but noticed he was looking at the numbers only on my side of the plane. When he got to my row he
stopped, smiled, held out his hand and said, ‘I want to shake your hand.’ Quickly unfastening my seatbelt. I stood and took the Captain’s hand.With a booming voice he said, ‘I was a soldier and I
was a military pilot. Once, someone bought me a lunch. It was an act of kindness I never forgot.’ I was embarrassed when applause was heard from all of the passengers.
Later I walked to the front of the plane so I couldstretch my legs. A man who was seated about six rows in front of me reached out his hand, wanting to shake mine. He left another twenty-five dollars in my palm.
When we landed I gathered my belongings and started to deplane. Waiting just inside the airplane door was a man who stopped me, put something in my shirt
pocket, turned, and walked away without saying aword. Another twenty-five dollars!
Upon entering the terminal, I saw the soldiersgathering for their trip to the base. I walked over to
them and handed them seventy-five dollars. ‘It willtake you some time to reach the base. It will be about time for a sandwich. God Bless You.’
Ten young men left that flight feeling the love and
respect of their fellow travelers. As I walked briskly to
my car, I whispered a prayer for their safe return.These soldiers were giving their all for our country. I could only give them a couple of meals.
It seemed so little…
A veteran is someone who, at one point in his life,wrote a blank check made payable to
‘The United States of America
for an amount of up to and including my life.’
That is Honor, and there are way too many people in this country who no longer understand it.’
A New Form of Breast Cancer
New kind of Breast Cancer – DO NOT DELETE. Please forward to all of the women in your lives, mothers, daughters, sisters, aunts, friends, etc..
In November, a rare kind of breast cancer was found. A lady developed a rash on her breast, similar to that of young mothers who are nursing.
Because her mammogram had been clear, the doctor treated her with antibiotics for infections. After 2 rounds, it continued to get worse, so her doctor sent her for another mammogram. This time it showed a mass.
A biopsy found a fast growing malignancy. Chemo was started in order to shrink the growth; then a mastectomy was performed; then a full round of chemo; then radiation. After about 9 months of intense treatment, she was given a clean bill of health.
She had one year of living each day to its fullest. Then the cancer returned to the liver area. She took 4 treatments and decided that she wanted quality of life, not the after effects of chemo. She had 5 great months and she planned each detail of the final days. After a few days of needing morphine, she died. She left this message to be delivered to women everywhere:
Women, PLEASE be alert to anything that is not normal, and be persistent in getting help as soon as possible. [Read more...]
Orange County Property Tax Decreasing
If you own a home in California, chances are the assessed value of your property just dropped.
County assessors statewide are releasing this year’s property tax rolls – the total assessed value of all properties in a given county – and most are lower than last year.
The falling values represent good news for many homeowners, who will see lower property tax bills this October.
However, the second straight year of shrinking tax rolls is another blow to local governments that rely on property tax revenue to fund programs and services. The counties need money for funding of schools, clinics, street repair and more.
If there is not enough funds , this means people losing their jobs. It takes people to deliver services.
Last year marked the first time most counties saw property tax rolls drop since voters approved Proposition 13 in 1978. That’s because the market value of many properties dropped below the assessed value. In such cases Proposition 8 – a tax measure passed as a companion to Proposition 13 – requires assessors to temporarily lower the taxable value of properties until the market value climbs again.
Market values have continued to plummet, and as a result, most county assessors have continued to lower the taxable value of properties in their region.
Under state law, counties are allowed to raise property taxes by up to 2 percent a year as long as the overall cost of goods and services is rising – in other words, during periods of inflation. In a time of deflation – when the costs of goods and services are falling – they are required to lower property taxes.
For the first time since 1978, that is happening. So even homeowners whose property is still worth more than when they bought it will see a quarter percent decrease from last year in its assessed value. That should amount to $2.60 less in taxes per $100,000 of assessed value, according to the State Board of Equalization.
“It’s the first time ever since Proposition 13 and probably the last time in our lifetime.
Homeowners should see the impact of the newly assessed values in their October tax bills. But not everyone will see a decrease in what they owe. That’s because many residents are in areas with special assessments or levies that will increase this year. Also, the figures are based on the value of a property as of Jan. 1. This means any drop in market value since that date won’t be reflected. For details go to the Orange County Website by clicking on the link here:
Did You Feel the Earthquake Today?
I was on the phone today in my office speaking to technical support when I felt sort of dizzy. I could not explain it immediately. After a few minutes I realized we were experiencing an earthquake.
It seemed mind; it was sort of a “rolling” motion. I learned later that what I experienced was an after shock of the quake. It actually occurred in Palm Springs, California which is a few hours drive from Orange County.
If you have never experienced an earthquake and want information on it, just go to my page on Earthquakes. There is much information there.
Foreclosure News in California
According to Foreclosure Radar.com, foreclosures are down in California. However, the numbers are not accurate. Reasons being that many owners have vacated the property and are not working to modify their loan or complete a short sale. It takes lenders two months longer to foreclose then it did a year ago.
The only significant increases from the prior year in ForeclosureRadar’s report were cancellations, up 141.3 percent, and time-to-foreclose, up 30.5 percent from May 2009. The company says it now takes lenders 235 days to complete a foreclosure in California, from the filing of the default notice to the auctioning of the property.
While extended foreclosure timelines may be skewing resolution numbers, it should be noted that newly initiated foreclosures declined significantly last month in California.
Notices of default filed against delinquent homeowners – the first step in the foreclosure process – fell 17.25 percent from April to May, according to ForeclosureRadar’s market data. They were down 43.34 percent compared to May 2009.
Notice of trustee sale filings, which serve as the homeowner’s final notice before the home is auctioned, dropped 11.88 percent on a month-to-month basis in May, and were 35.78 percent below year-ago levels.
ForeclosureRadar reports that banks took back 13,775 properties in May, 5.75 percent fewer than they did in April.
The company puts California’s total REO inventory at 87,964 homes, down from 90,000 in April and 18 percent lower than it was a year ago.
I am the FLAG of the U.S.A. My name is “Old Glory”
In Memory of all
The Men and Women
Who gave their lives
In the Protection and Support
Of the United States of America!
And with Continued Prayers for
Those Men and Women
Currently Serving Their Country
With Gratitude and Love…..
“I Am the Flag of the United States of America”
My Name is Old Glory”
I am the flag of the United States of America, my name is Old Glory …. I fly atop the world’s tallest buildings. I stand watch in America’s halls of justice. I fly majestically over institutions of learning. I stand guard with power in the world. Look up and see me. I stand for peace, honor, truth and justice. I stand for freedom. I am confident. I am arrogant. I am proud. When I am flown with my fellow banners, my head is a little higher, my colors a little truer. I bow to no one!
I am recognized all over the world. I am worshiped-I am saluted. I am loved – I am revered. I am respected – and I am feared. I have fought in every battle of every war for more than 200 years. I was flown at Valley Forge, Gettysburg, Shiloh and Appomattox. I was there at San Juan Hill, the trenches of France, in the Argonne Forest, Anzio, Rome and the beaches of Normandy, Guam, Okinawa, Korea and KheSan, Saigon, Vietnam know me. I was there. Today I am in Iraq and Afghanistan.
I did not ask to be there – they brought me there and I am ready. I lead the troops. I was dirty, battle worn and tired, but my soldiers cheered me. And I was proud. I have been burned, torn and trampled on the streets of countries I have helped set free. It does not hurt, for I am invincible. I have been soiled upon, burned, torn and trampled on the streets of my country, and when it is from those I saved in battle, it hurts. But I shall overcome – for I am strong. I have slipped the bonds of earth and stood watch over the uncharted frontiers of space from my vantage point on the moon. I have borne silent witness to all America’s finest hours. But my finest hours are yet to come. When I am torn into strips and used as bandages for my wounded comrades on the battlefield. When I am flown at half staff to honor my soldier, or when I lie in the trembling arms of a grieving parent at the grave of their fallen son or daughter.
I am proud.
My name is Old Glory – Long May I Wave.
Dear G-d in Heaven – Long May I Wave.
Memorial Day, 2010
Proposed Mastectomy Law Change
This is an e-mail just forward to me by a good friend. I am in shock! Please read, vote and pass it on to everyone you know. It is a matter of life and death not only for women, but for everyone they love and who love them, their husbands, children, fathers, and friends.
Proposed Mastectomy Law Change
(written by a surgeon)I’ll never forget the look in my patients eyes when I had to tell them they had to go home with the drains, new exercises and no breast. I remember begging the doctors to keep these women in the hospital longer, only to hear that they would, but their hands were tied by the insurance companies.
So there I sat with my patient giving them the instructions they needed to take care of themselves, knowing full well they didn’t grasp half of what I was saying, because the glazed, hopeless, frightened look spoke louder than the quiet ‘Thank you’ they muttered.
A mastectomy is when a woman’s breast is removed in order to remove cancerous breast cells/tissue. If you know anyone who has had a mastectomy, you may know that there is a lot of discomfort and pain afterwards. Insurance companies are trying to make mastectomies an outpatient procedure. Let’s give women the chance to recover properly in the hospital for 2 days after surgery.
This Mastectomy Bill is in Congress now. It takes 2 seconds to do this and is very important. Please take the time and do it really quick! The Breast Cancer Hospitalization Bill is important legislation for all women.
Please send this to everyone in your address book. If there was ever a time when our voices and choices should be heard, this is one of those times. If you’re receiving this, it’s because I think you will take the 30 seconds to go to vote on this issue and send it on to others you know who will do the same.There’s a bill called the Breast Cancer Patient Protection Act which will require insurance companies to cover a minimum 48-hour hospital stay for patients undergoing a mastectomy. It’s about eliminating the ‘drive-through mastectomy’ where women are forced to go home just a few hours after surgery, against the wishes of their doctor, still groggy from anesthesia and sometimes with drainage tubes still attached.
Lifetime Television has put this bill on their web page with a petition drive to show your support.. Last year over half the House signed on. PLEASE! Sign the petition by clicking on the web site below.
This takes about 2 seconds. PLEASE PASS THIS ON.


