FABULOUS FRIDAY!!

 

It’s GRADUATION time.  Do you have or know a High School Student or a College Grad?

I found this website the other day, GraduationWisdom.com, which contains a collection of the best commencement speeches throughout the years. From leaders in business to artists and comedians, this collection of great advice is perfect to pass along to those you know who have a graduate in their family this year.

Most commencement speeches at graduation are perfectly forgettable. It’s not always that the speech is bad, but the advice falls on deaf ears. And who can blame the grads? A life of formal schooling is coming to a close, and the “real world” is about to come knocking.

Sometimes, though, the greatest commencement speeches contain a wisdom we could all use. In the thick of living a life, we sometimes lose the best instructions.

 

Some of my favorite quotes include:

 

“It is so easy to waste our lives: our days, our hours, our minutes. … It is so easy to exist instead of live.” (Anna Quindlen)

 

“In football we always said that the other team couldn’t beat us. We had to be sure that we didn’t beat ourselves. And that’s what people have to do, too–make sure they don’t beat themselves.” (Woody Hayes)

 

“If you want to play a game, go to where it’s played and find a way to get in. Things happen when you get in the game.” (Chris Matthews)

 

The website has the full transcripts of many excellent speeches:

 

http://www.GraduationWisdom.com

 

Share it with those you think might benefit from the good advice. Who knows, maybe you could use a little inspiration right now yourself.

If you’re helping a grad buy a first home, you’re making a great move. I’d be glad to help you and your grad find that perfect starter home today!


Wonderful Recipe Wednesday

2 star pie blueberry and cherry Tiny Cherry and Blueberry Star Pies in Jars

Memorial Day is coming up fast. Bar B Q invites should be popping up all over! Why not bring a DESSERT that is sure to be FAVORITE!   Tie jars with RED WHITE and BLUE ribbon or wrap with with Patriotic Matarial and tie with raffia. Be creative and Have FUN!

This recipe is provided by  http://blogs.babble.com/family-kitchen/2011/06/20/cherry-and-blueberry-star-pies-in-jars/for.  It provides a recipe for both cherry and blueberry pies, but if you have a favorite fruit that you perfer GO FOR IT!

Her secret ingredient for summer fruit pies is ground instant tapioca. “As a thickener it works wonders”, she states, and ”[She] finds it far superior to chalky cornstarch.”

Blueberry and Cherry Pies in a Jar
makes eight to ten 4 oz. pies

for the crust
2 cups plus 2 tablespoons unbleached all-purpose flour
1/2 teaspoon salt
2 tablespoons sugar
12 tablespoons cold butter
1/2 cup ice water

Combine the flour, salt, and sugar in the bowl of a food processor. Quickly chop up the butter, and pulse it into flour mixture, 5 or 6 times. Drizzle in ice water, pulsing 2 or 3 times, just until the dough is combined.

Dump dough onto a lightly floured surface and gather into a ball. Divide into 2, flatten dough into discs, and wrap each one tightly with plastic wrap. Chill for at least a half-hour in the refrigerator. Meanwhile prepare the fillings.

for the blueberry filling
makes four to five 4 oz. pies

3 cups blueberries
zest of 1 lemon
2 tablespoons lemon juice
1/4 cup sugar, plus more for top of pie
big pinch salt
1 tablespoon ground instant tapioca (I use my coffee grinder)

In a medium saucepan, heat 1 1/2 cups blueberries, zest and juice over medium-high heat. Stir frequently, and allow the sauce to reduce a bit, until it coats the back of a spoon. Cook for about 10 minutes. Remove from heat, and combine in a medium bowl with the fresh berries, sugar, salt, and tapioca. Set aside while you prepare the crust.

for the cherry filling
makes four to five 4 oz. pies

3 cups cherries, pitted and halved
zest of 1 lemon
2 tablespoons lemon juice
1/4 cup sugar, plus more for top of pie
big pinch salt
1 tablespoon ground tapioca

In a medium bowl, toss all of the ingredients together. Set aside while you prepare the crust.

Preheat the oven to 400 degrees, and place a rimmed baking sheet in the oven to preheat as well. Liberally butter 8 – 10 4 oz. glass canning jars.

On a lightly floured surface, roll out one of the dough discs. For the bottom crusts, cut out a 5” square, and press into the jar. For the tops, use a jar to press out a circle. Use the scraps to cut out the stars with a tiny star cookie cutter. Spoon in 4 tablespoons or so of filling, press top crust into place, and crimp edges with a fork or your fingers. Add the star, and make 4 very small incisions in the top of the dough to vent. Sprinkle the top of each pie with 1/2 teaspoon or so of sugar.

Place prepared pies onto heated cookie sheet, and bake at 400 degrees for 20 minutes. Turn the cookie sheet, turn the heat down to 350 degrees, and bake for another 10 – 15 minutes, until crust is light golden and filling is bubbling vigorously.

Allow pies to cool completely and serve, or keep covered with a lid for up to three days.


Tech Tuesday

Vid.ly: Your Video Sharing Solution on the Go

Our smartphones give us just about everything we need to shoot video these days. It’s quick and easy to take a clip of a soccer game, take quick video evidence of damage for an insurance claim, or even send a nice video greeting back to a prospect.

But how do you quickly and easily share those videos through your phone? And how do you know the format you use to record the video will be visible to your audience on the other end?

Vid.ly solves the problem of encoding video into multiple formats and displaying the right one automatically for your audience. It also creates a simple, short, shareable link that you can use to instantly post on social media, text messaging, and email.

The service is completely free for up to 10 “active” Vid.ly links per month. For most people, this is plenty for sharing a handful of links as-needed with others. (If you need more than the free option, there’s a very simple price calculator on their website.)


Tuesday Tips

May Home-Maintenance Checklist

When the weather turns warm, follow the impulse to fling open the windows and let in the fresh air and light: The sun’s ultraviolet rays are lethal to many harmful bacteria. May’s the time to ready your home for summer.

Baby Your cooling System

Before firing up your air conditioner, change or clean the filter. You’ll want to change it every couple of months while the system is in use. The owner’s manual will explain how to change filters and clean coils and fins in the exterior evaporator unit. With the air conditioning turned off, check the evaporator unit for dirt, brushing and dusting it. Trim any surrounding shrubs. Remove the pan from the bottom of the unit, clean and replace it.

Keep algae, mildew and mold from forming:

  • Central air conditioning units have a pipe that drips evaporated moisture onto the ground. If this clogs, water can back up into the house. Each spring, clean the line by removing the cap at the access hole on top of the pipe. Pour a cup of bleach into it, letting the bleach drain to the ground. If a clog has formed farther up the pipe, attach the suction end of a wet-dry vacuum to the pipe’s end, wrap duct tape around the joint to create a temporary seal and run the vacuum briefly to remove the clog.
  • Window units: Stop the growth of algae and mold (and musty smells) by pouring two capfuls of bleach into the condensation pan (the drip pan located under the cooling coils). Do this monthly while you’re using the air conditioner. Also, dust the unit regularly.
  • Evaporative coolers: Open the unit and remove the drip pan. Examine it for leaks or rust. Replace cooler pads each spring.

Put the Furnace to Bed for the Summer

Check the furnace filter, holding it up to the light to see if it’s dark and dirty and in need of a change. The instruction manual will tell you where to find these filters and how to remove and replace them. Vacuum the openings and grilles at heating and ventilation vents, registers and ducts.

Service the Furnace and Air Conditioner

The transition from cool to warm weather is the sign that it’s time to take care of the appliances that keep you comfortable through the year. Call a professional to perform annual service on a furnace, air conditioner or evaporative cooler. Act early to book an appointment so you can avoid the summer rush. Call the company that installed the appliance or search online for licensed heating, ventilation and air conditioning specialists.

Replace Vacuum Cleaner Bags

Remove the vacuum cleaner bag outdoors so you don’t release dust and allergens back into the house. Wear a bandana or dust mask to protect your lungs. While you have the vacuum cleaner open, dust it inside and wipe down the inside parts with a thin rag dipped in warm, soapy water and wrung out well. Keep water from the motor and electrical parts. Soak the vacuum tools in a bucket of soapy warm water, rinse and dry them. Let the machine air dry before installing a fresh bag and closing it up. Check the owner’s manual to learn how often to wash or replace filters in some newer vacuum cleaners.

Vacuum Refrigerator Coils

Remove the front cover from the refrigerator and use the wand attachment on the vacuum cleaner to carefully suck out the dust and dried bits of macaroni and dog food that have worked their way under the fridge.

Store Free-Standing Electric Heaters

Dust, vacuum or wipe down their surfaces and check cords and plugs for fraying and loose wires before putting them into storage.

Wash Windows

Cleaning all the windows and window coverings in your home is a big, satisfying and several-hours-long project. Choose a sunny day and, if possible, get someone to work with you.

Remove curtains and blinds if you can. Clean windows and window trim, inside and out. Start by brushing (with a dry broom) or dusting the trim. If it’s really dirty, wipe it down with a rag and soapy water. Outdoors, use a hose to rinse off the soap. To clean the glass, use a good-quality squeegee, the tool of professional window washers . Before purchasing a squeegee, check the width of your smallest windows. Assemble a pole (unscrew the handle from a broom) that fits your squeegee’s handle, a microfiber cloth and a bucket. Use a few drops of liquid dish soap or a teaspoon of TSP in a two-gallon bucket of warm water. Many professionals like TSP, or trisodium phosphate, a powdered stain remover and degreaser found at hardware stores, for a streak-free finish.

Caution using TSP: In a hot solution, it can remove or take the gloss off paints and can darken aluminum or wood.

Apply the cleaning solution with a rag or mop. Immediately squeegee it off, wiping the blade between strokes to minimize dripping. Do one window at a time. Use the squeegee on the pole for hard-to-reach places. Consider engaging a professional to do second-story windows.

Clean and Repair Window Screens

On a sunny day, take window screens out of storage and lay them on the grass, sidewalk or deck. Dust with a soft cloth or brush off dust with a clean paint brush. Dip a big (roughly the size of your hand), soft-bristle brush in warm, soapy water and gently scrub each side of the screen. Hose off each screen and put them in the sun to dry. Avoid tearing or pulling screens from their frames. You can mend small tears with a needle and thread.

If you need to replace an entire screen, it isn’t hard. The mesh is held in place by a strip of tubing that fits into a channel along the edge of the metal frame. Buy the mesh and tubing by the yard at a hardware store (bring measurements or the frame with you to the store, along with a sample of the tubing your window needs) and follow these steps:
Remove the old tubing (use a screwdriver to pry it out) and lift off the screen.
Cut the replacement screen larger than needed, fit it tightly to the frame while tucking the tubing back into the channel with a screwdriver. If you’ve got many screens to replace, consider buying a special tool to push tubing into the channel.

If you don’t want to do this yourself, search online for window dealers who’ll fix broken screens, calling several to compare prices.

Maintain Exterior Siding

Paint looks nice, but its main job, especially outside, is to protect from the deteriorating effects of dirt, sunlight and moisture. A paint job lasts an average of six to eight years, depending on weather and environmental conditions. Because it can cost thousands of dollars, do what you can to extend its life. As soon as the weather’s warm, examine the outside of the house. Trim shrubs that touch siding, windows or trim. Maintain a space of at least two feet between the home and plants in order to keep away damaging insects and moisture. Make sure that soil and landscape bark touch only the foundation, not siding. Where mold grows on siding, spray with bleach and water, let dry and rinse with a garden hose, scrubbing and repeating if necessary. Spray off winter dust, mud and debris with a garden hose and sprayer attachment. Hire a professional to use a power washer unless you’re experienced. These machines can do a lot of damage by dislodging or breaking shingles or siding, creating openings for mold and moisture. If you see blistering, peeling or thinning paint, move quickly to get at least three bids and schedule the paint job before fall.

Check Outdoor Hoses and Irrigation Systems
Freezing and thawing can heave the ground and even crack pipes and hoses, so turn on the water pressure and see how your irrigation system responds before you need it. Look for leaks, breaks, pooling water or clogged sprinkler heads. Repair, replace or call in the pros to get your irrigation system ready to run.


Monday’s Market Update

90-day stats for Single Family properties in
ESCONDIDO, CA as of May 11, 2012
Median List Price:$318,523Average List Price:$453,890
Total Inventory:464Price per Square Foot:$173
Average Home Size:1,778Median Lot Size:40,393
Average # Beds:3.43Average # Baths:2.61
Homes Absorbed:56Newly Listed:46
Days on Market:143Average Age:30

90-day stats for Condo properties in
ESCONDIDO, CA as of May 11, 2012
Median List Price:$151,650Average List Price:$172,646
Total Inventory:44Price per Square Foot:$124
Average Home Size:1,274Median Lot Size:n/a
Average # Beds:2.27Average # Baths:1.85
Homes Absorbed:6Newly Listed:5
Days on Market:92Average Age:28


FABULOUS FRIDAYS

This is a Mother’s Day tribute from the daughter of one of my friends who passed away last year.  My friend is Rita Schroeder and she was diagnosed with cancer four years ago.  It is not only a beautiful tribute to Rita, but to the impact all mothers have on their children, each in our own ways.  Rita’s was though music.  Makes me stop and think about what gift did I give my children.  Sometimes I think we overlook our strengths and focus mostly on our weakness.  This mother’s day, I hope you remember all the good you did and why you are loved. 
Happy Mother’s Day.
Ginger

Thoughts for Thursday

Who doesn’t LOVE chocolate??

The San Diego Botanic Garden in Encinitas is hosting a CHOCOLATE FESTIVAL.  This should be  FABULOUS and YUMMY!  This event will  also feature entertainment, food, children’s activities, and plant sales.

Date: Saturday May 12th

TIME: 10:00am-4:00pm

LOCATION: 230 Quail Gardens Drive Encinitas

INFO: 760*436*3036

EVENT LINK www.sdbgarden.org


Tuesday Tips

Are You a Buyer Looking to Purchase a Short Sale?

It seems that there is a significant amount of confusion when it comes to purchasing a short sale. There are many misconceptions when it comes to this type of transaction, so below I have provided some information to potential buyers of short sales. If you are looking to purchase a short sale, understand that it is not the same as a normal sale and the approach is very different.  There could be several parties involved and issues that are unknown to the buyer and buyer’s agent that can affect the transaction. If you are looking to purchase a short sale here is some helpful information.

1. On average, to get a short sale approval, it can take 60-90 days.

There could be mortgage insurance and an end investor on the loan as well as the servicer, which means it has to go through three different processes. Bank of America could be the servicer on the loan but they do not actually own the loan, so, the short sale has to pass their guidelines, then go to the mortgage insurer if there is one, then to the end investor like Fannie Mae and Freddie Mac. If you are a buyer and can’t wait at least 60-90 days for an approval and then another 30 days to go to closing, then you need to look at other houses. The worst thing you can do is tie up a house that is in a short sale with no intention of being patient while waiting for a short sale approval. Approvals can come sooner than 60 days, but industry standard is at least 60 days to get an approval or denial.

2. There is a general assumption that you can purchase a short sale for 40-50% under its listed price.  In a short sale the bank comes out and does a valuation of the property and will expect a slight discount, but will not accept a huge amount under the market value.

Hopefully, if the agent who is handling the sale is experienced, they will have already gotten an approved list price from the bank by the time you are interested in making an offer. The bank will usually be willing to negotiate on that price, but will not, in almost every case, take 40-50% off of that price. To that point, you may be able to get a reasonable deal on a short sale, though it will not be, in most cases, as much of a deal as you may be able to get on an REO (foreclosed property). Also to that point, most short sales will be in better condition than an REO. When you look at the potential repairs a comparable REO needs and the time and expense it can take to do those improvements vs. a short sale being sold at a slight market discount with improvements already made, the investment could even out. There are REO properties that can be picked up for a huge discount, but require massive repairs that a comparable short sale may not require.

3. Short sales are a very difficult process and it takes a qualified person to handle this type of transaction.

With this type of transaction it takes a very experienced agent on the listing side as well as the buying side. Make sure before you move forward on the transaction that the listing agent has ample experience dealing with these types of transactions, or you could be tied up in a contract for months that never goes to settlement. There are several different types of short sale processes and each bank’s process is somewhat different; it takes a professional who has had experience with all of these different types of short sales to help facilitate a successful transaction.

4. In most short sale transactions the properties are sold “as-is” and no repairs will be made.

Although there are some exceptions to this rule, speaking in general, short sales are sold “as-is” and no repairs will be made even if they are found during a home inspection. In most short sale transactions the bank will require both the buyer and the seller to sign an addendum that states the property is being sold “As-is” and no repairs will be made.

These are just a few short pointers for buyers who are looking to purchase a short sale as they are a reality in every market, and if you have the patience you may be able to get the home you are looking for at a discount!


Monday’s Market Update

90-day stats for Single Family properties in
ESCONDIDO, CA as of May 11, 2012
Median List Price:$318,523Average List Price:$453,890
Total Inventory:464Price per Square Foot:$173
Average Home Size:1,778Median Lot Size:40,393
Average # Beds:3.43Average # Baths:2.61
Homes Absorbed:56Newly Listed:46
Days on Market:143Average Age:30

90-day stats for Condo properties in
ESCONDIDO, CA as of May 11, 2012
Median List Price:$151,650Average List Price:$172,646
Total Inventory:44Price per Square Foot:$124
Average Home Size:1,274Median Lot Size:n/a
Average # Beds:2.27Average # Baths:1.85
Homes Absorbed:6Newly Listed:5
Days on Market:92Average Age:28


Tuesday Tips

Proper Planning for Your Mortgage Application

With good preparation, most things are easier. That works in mortgages too! Today, I want to give you some ideas that can make your mortgage experience less painful.

Income Items:

  1. Gather your documents. Today, many people will have to produce 2 years’ complete tax returns, including W2′s, 1099′s, K1′s, and all the schedules, as well as a month’s worth of pay stubs.
  2. Be prepared to explain them. Deductions in your returns and your pay stubs may impact the income your lender will use to qualify you which, in turn, has a big impact on the loan you will get.
  3. Have a breakdown of base pay versus overtime for both your pay stubs and 2 years’ W2′s. Lenders treat overtime (and bonus income) differently than your base pay. Be prepared to explain any changes over the last few years because your loan officer will ask you about it.

Asset Items:

 

  1. Start accumulating your bank statements. Lenders look back 3 months from when you sign your contract of sale.
  2. You will have to explain any and all large deposits (which are defined as deposits greater than your regular pay check) because lenders want to make sure you haven’t taken out any new loans that aren’t on your credit report.
  3. Avoid any significant cash deposits. However, if you did have a cash deposit, understand that the lender will have you source it (a bill of sale and DMV receipt for that motorcycle, for example).
  4. If you will be receiving a gift, consult your loan officer on how to document it (from the donor’s ability to how you deposit it).

Credit Items:

  1. Ask your loan officer to run your credit and go over it with them. Believe it or not, most credit reports contain errors. Best to identify them and get working on correcting them as early as possible.
  2. Do what you can to pay down your balances to under 30% of available credit to help you get the best score possible.
  3. Do NOT close accounts or pay off collection accounts without discussing it with your loan officer. Either one of these logical moves can actually have a negative impact on your score.

When buying a home, remember the Boy Scout motto, “Be prepared”. Following these suggestions will make your loan approval easier and less stressful.

Credit for Article KCM Blog


Contact Ginger By U.S. Phone: (760) 807-0800
Fax: (760) 888-0318
Email: gingerproffitt@gmail.com
license: 01233721
1802 S. Escondido Blvd,
Escondido, CA 92025
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