Thursday, November 8, 2012

Being Proactive - Being Prepared Ahead of Your Emergency


Being Proactive - Being Prepared Ahead of Your Emergency

Once Again, I feel a need to reblog this post.  After watching Hurricane Sandy and the aftermath and then with the crazy Guatemala earthquake right on it's heels, I just can't help but SCREAM again, BE PREPARED!  In fact, with this hurricane we all heard people who are counting on the government and/or the Red Cross to take care of them.  Sometimes you just have to take care of yourself for a while!

THE DISASTER PLAN: THINGS WE NEVER THINK OF
Okay, so one of our local Dj’s, Pete Demetriou, formerly on KFWB news radio met me at one of our local Red Cross Shelters. In the course of our discussion, he let me know that he had a great plan for any sort of evacuation he and his wife would have to do in the future. It’s actually kind of brilliant, especially the part about how to have cash on hand.

When I see most people on the news talking about their evacuation, they always say the same thing: They got family, animals and pictures. Most of us have never been in a catostrauphic event where our state’s infrastructure has been compromised. We have never had to go without an ATM for cash, and we simply don’t think of these things. I think with all of the crazy things happening around the world, the floods, fires and earthquakes, now more than ever we need to be ready to take care of ourselves. So, without further ado: The Plan.

DOCUMENTS TO HAVE ON HAND IN THE EVENT OF AN EVACUATION, BY PETE DEMETRIOU REPRINTED WITH PERMISSION

Make three copies of the documents - ALL copies should be in color. One in the Home in a secure location. One in a local Bank Safety Deposit Box. One in an out of State Bank Safety Deposit Box.

In the Home Copy, include a packet of cash for travel or other needs. For 2 people…it should be roughly $500 dollars (10, $20’s, 10, $10’s, 20 $5’s and 100, $1.00’s. NO $50’s or $100’s) to last for 48 to 96 Hours.The reasoning here is that the stores will be full of people and if you have an exact payment, you will be helped before those that need change.

Copy of Birth Certificate Copy of Social Security Card Copy of Driver’s license 

Copy of US Passport Financial Information (including institution, account numbers, passwords, etc): Checking Accounts, Savings Accounts Money Market Accounts, Retirement Funds, Stocks, Bonds. (Annual Reports from Stock Brokers are also fine.)

Photocopy of Credit Cards. On attached sheet, include (from each card) CCV number from back of card, account number, expiration date, name as listed on account, Card Company’s toll free number

Safety Deposit Box information, copy of key

Copy of recent tax documents (includes paper and or CD copy of State and Federal for past 2 years)

Copy of Property Tax Bill, Title Documents for Home.

Copy of Auto Title (Pink Slip or Bank Lien)

Documents related to Wills, Trusts, Durable Power of Attorney, Medical Directives

Copies of insurance policies (life, health, home, car) including the contact information (phones and or websites) of the Carriers.

A short (10 numbers at most) list of emergency Phone numbers of Relatives or Critical Personnel

I hope everyone who reads this will have some sort of plan – especially an out-of-state plan – just in case we should ever have a huge, catastrophic event.

And if you are thinking of moving, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs.

Serving the 210 Corridor - the cities of Monrovia, Duarte, Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.

Warmest Regards,
Linda K. Mayer, Realtor

License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Wednesday, October 3, 2012

The Ten Commandments of Lending


The Ten Commandments of Lending

Okay so one of the guys here in my new office brought this flyer in to me.  It's a very useful tool for buyers to make sure they don't sabotage their own loan while in the process!

ten commandments
1.  Thou shalt NOT change jobs or become self-employed until after closing
2.  Thou shalt NOT buy a car, truck or van unless you plan to live in it
3.  Thou shalt NOT use your credit cards or let payments fall behind
4.  Thou shalt NOT spend any of the money you saved for your down payment
5.  Thou shalt NOT buy furniture before you buy your house
6.  Thou shalt NOT originate any new inquiries on your credit report  
(Don't test drive cars as they sometimes pull your credit without you being aware...)
7.  Thou shalt not make any large deposits into your bank account(s)
8.  Thou shalt NOT change banks or bank accounts
9.  Thou shalt NOT co-sign for anyone
10.  Thou shalt NOT purchase anything until after closing

So a big thank you to Steve Chavarria for providing this useful tool and for giving me permission to use it!

If you are thinking of moving into my area of Southern California, please don't hesitate to contact me for more local information and listings.  I will be more than happy to answer any questions and get you on the right path to homeownership!

Serving the 210 Corridor - the cities of Monrovia, Duarte, Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.

Warmest Regards,
Linda K. Mayer, Realtor

License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

The Other Side of The Coin - Part 2


The Other Side of The Coin - Part 2

Okay so here's my second post on our personal experience of short-selling our home and finding a home to lease.  It's always nice for a seller or buyer to know that we understand what they are actually going through and how they are feeling.  And I especially now can understand the buyers perspective and the sellers perspective from a whole new viewpoint. (If you missed Part 1, click it to read the first installment.)

My husband, in all his wisdom, has decided that he needs to read every piece of mail offering to short sell, modify or otherwise help with our house situation.  He even sits through the continuous phone calls to hear their spiel in order to  help tell me how to better do my job.  (Like I haven't been doing this for a long time now...).  
pulling my hair our
Honestly, at first he made me upset - I guess the stress of having to short sell your home is frustrating anyway.  I mean after the like 50th call and the 100th piece of mail, you get a little sick and tired... but he saved me this one piece of mail that he really liked.  It had some wonderful ideas of what to say and how to say it.  What a great guy to put up with it all!

So by now, I am totally positive that the pieces of junk mail and the phone calls are extremely overwhelming to the seller/buyer.  It's making me stop and think from the other side of the coin.  Game changer, maybe.  We shall see!
Stay Tuned for PART 3.

If you are thinking of moving into my area of Southern California, please don't hesitate to contact me for more local information and listings.  I understand where you are coming from as a seller/buyer/renter, and I will be more than happy to answer any questions and get you on the right path to homeownership!

Serving the 210 Corridor - the cities of Monrovia, Duarte, Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.
Warmest Regards,
Linda K. Mayer, Realtor
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com

Tuesday, October 2, 2012

The Other Side of The Coin


The Other Side of The Coin

Okay so, most of these blogs have been written from the Realtor's perspective.  But since we are in the middle of short-selling our home, I decided to write about it from a sellers/renters perspective.  It's always nice for a seller or buyer to know that we understand what they are actually going through and how they are feeling.

Let me start with trying to lease a house.  For starters, we looked at like 15 homes in the area we wanted to be in.  My husband gets easily tired of doing the same thing, so this was broken up in to different days and times.  And we finally narrowed it down to two.  We submitted an offer on choice number one about a month ago.  No answer, no answer, no answer. Finally I had to threaten to go to another home if I didn't get an answer.  REALLY?  How do some agents stay in business? And the things he asked for to lease the house... pictures of the dogs, pictures of the family, he came over and took pictures of our current home... again I ask, REALLY?

On home number two, the agent kept contacting me.  What a difference.  He suggested three or four different homes for us to preview.  He texted me repeatedly letting me know he was really trying to help us out.  He never asked to see the dogs or come to our home.  He was courteous and friendly.
our new home
Anyway, long story short, we got our home and will be starting to move October 15th... the dogs will be happy, the kids are excited and we got a DEAL.

Stay tuned for part two!

So if you are thinking of moving into my area of Southern California, please don't hesitate to contact me for more local information and listings.  I understand where you are coming from as a seller/buyer/renter, and I will be more than happy to answer any questions and get you on the right path to homeownership!

Serving the 210 Corridor - the cities of Monrovia, Duarte, Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.

Warmest Regards,
Linda K. Mayer, Realtor
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com

Wednesday, September 26, 2012

Wordless Wednesday - Let's Call Him Wilbur, Shall We?


Wordless Wednesday - Let's Call Him Wilbur, Shall We?

Okay so, I have always loved pigs.  But most especially recently since there were teacup pigs at the Los Angeles county Fair.  I even went to far as to ask for one on my Christmas List.  But in searching where to get one, I discovered that these little beauties (who only grow to about 20-30 pounds) are expensive... I mean REALLY expensive.  They start at $3500 and then there is shipping (all the way from England) and food.

(You really didn't think I was wordless, did you?)  Anyway, here's a 3-day old piglet we saw at the Oklahoma State Fair a couple of weeks ago.  He's beautiful, but he's gonna get really BIG... I mean REALLY BIG! But he's still beautiful.  Let's call him Wilbur, shall we? (Charlotte's Web comes to mind.)
  

Serving the 210 Corridor - the cities of Monrovia, Duarte, Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.
Warmest Regards,
Linda K. Mayer, Realtor
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com

Monday, September 24, 2012

Last Week's National Real Estate News, Week of September 17-23, 2012


Last Week's National Real Estate News, Week of September 17-23, 2012
Okay so, I have decided to start publishing national real estate and mortgage articles so you guys can see the bigger picture.  Simply click on the link to read the article. As always, keep in mind that these areticles represent the entire nation, and all real estate is local - even down to the neighborhood.  
white cottage










So if you are thinking of moving into my area of Southern California, please don't hesitate to contact me for more local information and listings.  I will be more than happy to answer any questions and get you on the right path to homeownership!

Serving the 210 Corridor - the cities of Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Pomona, Chino, Chino Hills, Rancho Cucamonga and Fontana.

Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Wednesday, September 19, 2012

A Fabulous Place To Find Southern California School and Demographic Information


A Fabulous Place To Find Southern California School and Demographic Information

Okay, so I was reading a blog today on the world-famous Active Rain.  Robert Farrell of New York posted a blog and included this amazing website called Zip Skinny.  It's where you go to get "the skinny" on a certain area.

Now, there have been many other sites I have visited for the best information on demographics of a certain area or school information and test scores.  (Many people want to check this information out before they move into an area, especially if they have kids.) , I have referred others in the past, but this website is amazing!  You simply put in the zip code and it gives you so much information. And if you are not sure about the zip code, or want information on a city with more than one zip, you simply click on the state and then click on the city.  
skinny model
One thing I did discover by clicking on Glendora, California is that it only gave me one of the two zip codes.  So it may be better to know which zips you are thinking of moving into beforehand.  Of course, if you are using a great Realtor, they send you listings complete with zip codes!

Zip Skinny gives you much more than school information.  It gives you social indicators such as levels of education, how many housing units in a city and the size of the city in sq miles.  It has economic indicators, race indicators, male vs female and even the average age.  There are even tabs with charts and comparisons to other nearby zip codes.  Very useful when thinking of moving to a certain place.

So if you are thinking of moving into my area of Southern California, please don't hesitate to contact me for more local information and listings.  I will be more than happy to answer any questions and get you on the right path to home ownership!

Serving the 210 Corridor - The cities of Azusa, Glendora, San Dimas, La Verne, Claremont, Upland, Chino, Chino Hills, Rancho Cucamonga and Fontana.

Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Friday, September 14, 2012

So Many Things to Blog, So Little Time


So Many Things to Blog, So Little Time

Okay, so, two months later, she comes back swinging.  Yes, I can FINALLY walk and show homes.  And I didn't really blog much due to the fact that pain meds really do mess with your mind - badly.
So now, I can think of a bunch of things to say.
1.  I am in Oklahoma City, OK.  I came with my husband as he has a two-week class.  Why in the world the government put all the FAA classes in OKC, I will never know.  But the compund is impressive and a bit like Fort Knox.

Happy Pig
2. Yes, I AM working from here.  I actually have clients coming in next week from Washington State and have been on the phone and email with themevery since I arrived here.  I am excited to be back up and running (well, that's a total figure of speech!) The doctor said the swelling in my foot won't go down for about a year.  But, hey, what's flip flops for a year compared to not walking!  Oh, and did I mention the Oklahoma State Fair is here right now!

3.  The housing market reports are looking really good.  However, when you look below the surface on things such as pricing, there isn't as rosey a picture.  Take the areas I work in: There has been an inventory shortage of houses on the market.  This has once again started many a bidding war and driven prices up a bit as reflected in the reports.  But really, when the banks start unloading their vast supply of bad loans (foreclosures and short sales) which Obama said had to be done by 2014, the market will once again be flooded and in turn the prices will once again drop.  Check out this article!

Anyways, more to come in future blogs.  Stay tuned for adventures in OKC and more real estate news.

And if you are thinking of moving, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs.

Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Wednesday, June 13, 2012

Claremont Summer Reading Program Kick-off June 20


Claremont Summer Reading Program Kick-off June 20

Okay, I still love BOOKS!  My mother was a teacher and every night she read to me when I was little.  Then I started reading to her.  We shared many books such as Charlie and the Chocolate Factory and Charlie and the Great Glass Elevator.  Shoot, those vermiscious knids gave me some scary nightmares.  Our kids need to read so they can picture this stuff in their own imagination instead of losing it by playing video games and watching tv.  But that's another story for yet another day.

So, with all that being said, there is good news for the kids of Claremont!  The summer reading program at the Claremont Library will begin on Wednesday, June 20 and kids can come sign up from 1PM to 7PM.  There will be a puppet show at 3PM featuring "Sleeping Beauty in Outer Space".  How's that for getting both boys and girls interested!

girl reading
Last year's summer reading program in Claremont had 702 children participating for a total of 4,448 hours of reading.  Folks, that's 4,448 hours of using their imaginations instead of watching tv or playing video games!  Just think if all the kids around would do this! (I know, I use exclamation points way too much.)  

You can read more about Claremont Library's Summer Reading Program by clicking HERE.

And if you are thinking of moving into the area, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs!


Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Tuesday, June 12, 2012

Summer Reading Programs in San Dimas CA


Summer Reading Programs in San Dimas CA

Okay, so when I was a little girl I loved summertime as I'm sure most of you did too.  But I really loved the summer reading programs at the library.  My mom would sometimes drop me off and let me stay for a couple of hours and I would check out books and listen to records (ya, we had records back then) of The Osmonds, The Jacksons and so on.  (And my son says my first boyfriend was a dinosaur.)

The library in San Dimas has wonderful programs planned for the summer.  
1.The kickoff will be June 16th with two magicians, some crazy puppets and various workshops for the kids.  (SIGNUPS ARE REQUIRED for the workshops.)  

2. For the teens:  San Dimas High requires volunteer hours for graduation and the library has places for you to get your hours!  Call them at (909) 599-6738 for further information.

3. Incoming 7th-12 graders can OWN THE NIGHT @ YOUR LIBRARY.  Signups are online or in the library on June 16th and the program runs every Thursday starting the 21st at 3PM.

4. For the Adults: Signup online to read or listen to books and write short reviews.  You will be entered to win a Kindle Fire and there are prizes just for signing up!  There will also be various workshops available such as a cooking class, a popotillo art class and a paper-making workshop just to name a few.  

San Dimas, like it's neighbor La Verne, is on the county library system giving you access to many more books.  You can order a book from a county library and they will let you know when it comes into San Dimas.  How easy is this!
You can read more about it HERE (it takes a little bit to download, but it's worth it) or you can go online at www.copublib.org/srp.

And if you are thinking of moving into the area, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs!

Sunday, June 10, 2012

California Home Sales, April 2012


California Home Sales, April 2012

Okay so here's the April information for housing in California.  Now, bear in mind that these are statewide statistics and as we all know, real estate is local, down to the neighborhood, not even as big as the city the home is in. I get this information from DQ News which is used widely in the real estate community, but you can go onto their site at any time and check the city reports regarding housing prices under CA City Charts.

graphs
Overall, there was a 2% increase from March in home sales statewide combining both new and used homes.  The good news is that is an 8.6% increase over April of last year.  Things are starting to move again in California. And the median home price was $264,000 which was up 5.2% from March and up 6% from last April.  The homes re starting to regain their value IN CERTAIN PLACES.

Distressed property sales are still making up half of the total sales which is not good.  Personally I'd be happy if we saw less and less of those REO's and short sales and got back to business as it was previously.  I'm not sure when it will happen but hopefully sometime soon. In April 30.3% of the homes sold were foreclosures which was down from both March and last April, but not enough to suit me.  Just sayin'.

You can read more about things such as average mortgage payments by clicking THIS LINK.

If you are thinking of moving to California, my area or others, please don't hesitate to call me for my services or a referral to a Realtor You Can Trust in other parts of the state.  You definitely need a local expert to help you through the process who knows the area and the local real estate market.

Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Saturday, June 9, 2012

Kickoff Time for Summer Reading Programs In La Verne


Kickoff Time for Summer Reading Programs In La Verne
Okay, so it's time, now that graduations are over and school is out, for parents to find things for their kids to do over the summer.  One of the really great suggestions is Library reading programs and La Verne has one of the best.
The library in  La Verne  is on the  Los Angeles County system  so it has many benefits.  Did you know you can ask for a book from another library in the system and they deliver it to  La Verne  for you?  Seems like a pretty great plan to me!  And there are plenty of books available for "check out" for your eReader.
boy with book
And as for the children's program, it will have it's big kickoff on June 15th at 2PM with The Wildlife Company. There is an animae club every other Saturday morning, starting today, June 9th at 9am.  The video game club is held every other Tuesday at 4PM starting on June 12 and on Wednesday evenings at 6:30 there is a Family Story Time. And much, much more!
You can read more about these programs HERE.
And if you are thinking of moving into the area, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs!
Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website

Friday, June 8, 2012

Glendora High School Graduation 2012


Glendora High School Graduation 2012

Okay, so Glendora is an amazing city and a beautiful place to live.  There are trees everywhere and it is nestled in the foothills like the other cities I cover.  From beautiful views, to Citrus Colleges and local public schools with hi

On wednesday, June 6th Glendora High School held it's graduation ceremonies atCitrus College Football Stadium.  Goodness, they had 550 graduating seniors this time around.  That's an amazing percentage of kids who actually made it through to graduate.  Congratulations to the teachers who worked so hard to see this happen!

glendora hs graduation 2012
I personally know just how hard those teachers work.  I went to Glendora schools up through junior high as it was called then.  (I know, I'm totally dating myself.)  And two of my kids graduated from Glendora High School, so I am aware as both a student and a parent just how much credit these teachers truly deserve.
Congratulations to all the graduates, parents and teachers of GHS!
Photo by Sarah Lochelt

If you'd like to see some video of the event, you can click HERE.
And if you are thinking of moving into the area, definitely pick a local expert and someone you can trust.  I will be more than happy to answer your questions or help you with your real estate needs!

Warmest Regards,
Linda K. Mayer,

Realtor, Office Manager  
License # 01767321
A Realtor you can Trust!
(626) 824-8927 Cell
LindaKMayer@live.com
Linda's Website