Even for a single-person buisness, managing bank accounts can be overwhelming at times.  So many expenses, how to keep track of them all?  Recently a small business person asked me -- what is a good SYSTEM? Remember what a SYSTEM does for you: Save Your Self Time Energy Money So I suggested to her the following formula: 3 Business accounts Primary Business account (BIZ MAIN) Secondary Business account (BIZ AUTO) Business Savings (BIZ SAVE) 3 Personal accounts Primary Personal account (PER MAIN) Secondary Personal account (PER AUTO) Personal Savings (PER SAVE) The purpose of separating BUSINESS and PERSONAL accounts is that it saves you headache when trying to figure out your taxes.  You can quickly tell what your business is doing.  It's also helpful when you have to show account balanc... 03/16/2009

NOTE that this law went into effect March 1st and applies ONLY to loans backed by Fannie Mae.  From the C.A.R. Newsline issue emailed on 04 March 2009: "NO MORE COMMISSION REDUCTIONS FOR FANNIE MAE SHORT SALESFannie Mae loan servicers no longer can require real estate brokers to reduce their commissions as a condition to a short sale approval. The new policy was effective March 1. According to Fannie Mae, the closing of a pre-foreclosure sale cannot be conditioned upon a reduction of the real estate commission to a level below what the listing agent and borrower negotiated. An exception applies if the total commission is more than 6 percent of the sales price. "This good news may be tempered by the difficulty for REALTORS® to ascertain whether the underlying loan in a short sale transac... 03/08/2009

Oceanside real estate is a study in contrasts, from multimillion dollar oceanfront properties to $70,000 condos, from new construction homes and condos to an abundance of short sales, pre-foreclosures and REOs, from tract housing subdivisions to 55+ communities (seniors). There are ocean views and terrific beaches, and rolling hills and views of the mountains to the north in Camp Pendleton and to the east.  READ MORE: Oceanside, California - The Changing Face of a North County San Diego Coastal Community  The downtown area of Oceanside along the coast road, and to the west to the ocean, is undergoing major redevelopment; this redevelopment project is a 375 acre area west of the 5 freeway, north of Harbor, and south of Wisconsin, which includes new construction (residential, hotel/resort... 02/26/2009

            Need me to help you Short Sale in Oceanside?                                     If you know what a short sale is, and you are in Oceanside, you might be the one who needs to hire an OCEANSIDE SHORT SALE REALTOR.                                    If you are curious about selling your home in Oceanside and you owe more than your home is worth, you might want to inquire to see if you qualify to pull off an OCEANSIDE SHORT SALE.          02/18/2009

                                                            Ah Ha! You just Googled something like " Oceanside Luxury Homes, Oceanside Waterfront Properties, "OCEANSIDE BEACH HOUSES" or OCEANSIDE CONDOS FOR SALE??                                                                 Start your  OCEANSIDE REAL ESTATE  Search Here                                   Search OCEANSIDE LUXURY HOMES over 1 million                                           Search Carlsbad Real Estate                                             SEARCH ENGINE KEYWORDS,  Oceanside Beach Homes, Oceanside Luxury Homes, Oceanside HOmes 92054, Oceanside Waterfront Property, OCeanside Beach houses, Oceanside Foreclosures, Oceanside Bank Owned Homes, Oceanside Short Sales, Oceanside Realtors,   02/18/2009

Ah Ha! You just Googled something like " OCEANSIDE BEACH HOMES", "OCEANSIDE BEACH HOUSES" or "OCEANSIDE BEACH CONDOS"?? Sound familiar?    START YOUR OCEANSIDE REAL ESTATE Search Here SEE OCEANSIDE LUXURY HOMES HERE OVER 1 million Search Carlsbad Real Estate  SEARCH FOR HOMES IN SAN DIEGO     SEARCH ENGINE KEYWORDS,  Oceanside Beach Homes, Oceanside Luxury Homes, Oceanside HOmes 92054, Oceanside Waterfront Property, OCeanside Beach houses, Oceanside Foreclosures, Oceanside Bank Owned Homes, Oceanside Short Sales, Oceanside Realtors,   02/18/2009

An appraiser who was doing a valuation in Oceanside's Rancho Del Oro neighborhood was kind enough to email me a graph she put together of the last 6 months of sales activity Thanks to Lisa Forbes for showing graphically the popularity of this tract in Oceanside. With good schools, convenient location, affordable homes, and a cared-for community, it is popular with first time home buyers, military personnel serving Camp Pendleton, investors, Orange County commuters, and more.   02/10/2009

Steve provides dryer vent cleaning services and educates his customers on proper maintenance for fire safety and energy savings                                                               Oceanside, CA -. Steve Gors, former Fed-Ex contractor, traded his delivery van for a logo-ed uniform to own and operate a Dryer Vent Wizard, a dryer vent cleaning, repair and installation franchise in California.   In a recent interview, Steve said, "dryer vent cleaning and proper maintenance prevents dryer fires, keep dryers functioning properly and provides energy savings through dryer and dryer vent maintenance, cleaning, repair, replacement and alterations.   When Gors decided he didn't want back into the grocery business, he looked into franchising. Having 30 years of business related skills beh... 02/07/2009

For all the published doom and gloom, Rancho Del Oro in Oceanside, CA continues to be a popular area for buyers due to it's good schools in either the Oceanside or Vista school districts, a convenient location, and an association doing it's job maintaining the grounds to preserve the look of the neighborhoods. As of 1/27/09, there are only 28 Active listings of detached homes in the MLS and 20 homes are in escrow. I consider a normal inventory of Active listings to be about 40-50. Low inventory, low interest rates, and increasing number of sales should help prices stabilize. However, the banks controlling the short sales and foreclosure listings continue to price lower than prior sales. I don't think they really need to, but until they stop, they are driving the prices lower and hurting... 01/27/2009

Oceanside California - Community Profile Oceanside is the northern-most residential community in North County San Diego (Camp Pendleton is the most northern community but I would not consider it a traditional residential community, being that it is a military base). Oceanside is about 1.5 to 2 hours south of Los Angeles, depending on traffic, and about 45 minutes (around 40 miles) north of downtown San Diego. With almost 176,000 residents, per the 2019 census, it is one of the largest San Diego County communities - the 3rd I think - covering an area of about 41 square miles. There are 6 miles of beaches, which adds to Oceanside's appeal as a vacation spot, and a vibrant, and growing, downtown commercial area as well as other good sized commercial, retail and industrial pockets mixed in ... 01/16/2009

Buyers in the Oceanside real estate market who wish to be near the beach or within walking distance to amenities will find they can have the best of both worlds. In many cases finding an Oceanside home near the beach will put you within close proximity of the amenities in the downtown area of Oceanside which is going through quite a transformation. As many know, Oceanside is the northern-most residential community along the coast in San Diego County, just south of Camp Pendleton, and next to its southern neighbor, Carlsbad. This town of over 160,000 is diverse in many ways - people, residential areas, business and commercial, styles and types of homes, and so on. There is a strong military presence, as one would expect, given the proximity to Camp Pendelton. The primary commercial area ... 01/12/2009

Need a Notary in Oceanside? I come to you! YOU save money! Please add my cell number760/271-9242to your cell phone under Notary.You never know when you need meI meet you any place - any time!   to email us:     Member National Notary AssociationBonded, licensed and insuredfor your protection!             SAVE GASOLINE SAVE TIME SAVE MONEY I COME TO YOU !!             RATES FROM $5.00/SIGNATURE WE ALSO OFFER APOSTILLE SERVICE - FAST AND DISCOUNTS       I KNOW I CAN SAVE YOU MONEY PLEASE CALL OR E-MAIL FOR AN ESTIMATE   Background checked Discount for multiple signatures Thousands of notarizations performed Available 24/7 Apostilles - many times same day (notary fee usually included) Most documents and escrow/loan papers Covering San Diego, Orange and Los Angeles County Will go to San Die... 12/19/2008

                                                                    Are you looking to buy a home in Oceanside CA? Not doing your homework on what OCEANSIDE CA HOMES FOR SALE are selling for can waste a lot of your time, energy and  MONEY$$$$$$$$. So, what I have done here is a little bit of homework for you.  Below is a market snapshot for recent home sales in Oceanside ( Detached only) from $280K-$380K, including 3 bedroom and up from August to November 2008 BUYERS BEWARE! The BANK OWNED HOMES AND SHORT SALES area pricing their listings below market value and letting buyers fight for the listings.                                             CALL FOR A NEW SHEET OF RECENT SALES ACTIVITY.                                                 START YOUR OCEANSIDE CA REAL ESTATE SEARCH HERE 11/01/2008

Last Friday we had the privilege of attending "A Night of 1000 Stars" held at the historic Star Theatre in Oceanside, California.  It was the first time I had been to this theatre.  In fact, I'm almost embarrased to say, I didn't even know the theatre existed prior to this event.  It's always a pleasure to learn something new and delightful about the area where you live.  This theatre was originally built in 1956 as a movie theatre.   One of the Realtors, Bill Ims, who is a strong supporter of Women's Council of Realtors, had a starring role in the evening, and we wanted to be sure to watch Bill in one of his finest hours!  Just 10 years ago the theatre was substantially renovated and it now has a 33' x 40' performing stage so that it can host both live and film performances.  The event... 10/20/2008

Buyers interested in Oceanside real estate, in particular those seeking a 55+ (age-restricted) community, have a number of choices. Oceana is just one of them. Oceanside is the northern-most coastal community in San Diego County just south of Camp Pendleton, and the 3rd largest city in San Diego County. With an area of around 41 square miles, rolling hills, and several miles of coastline, Oceanside offers a diverse geography to the 170,000 residents. There is a broad mix of housing, including multiple 55+ communities, and the rapid growth of the community since the 1970s has transformed it into a city of significant industrial and commercial development in addition to the large residential area. You can read more about Oceanside here, and visit the Oceanside website for lots of informat... 10/17/2008

Oceanside real estate buyers have lots of opportunities these days, and pricing is lower on average here than in any other North County coastal community. Oceanside (the 2000 census puts the population at 160,000) is sandwiched between Camp Pendleton, the northernmost "community" in San Diego County, and Carlsbad, with several miles of coastal frontage. The community extends inland to Bonsall and also borders Vista. Buyers who are seeking a detached home in the $500K and under range will find the gated community (2 gates, one for residents only) of South Ridge Estate appealing. This community, built around 1990, offers both single story and two story homes in a Spanish style with tile roofs. Homes are located along 4 meandering streets on rolling hills not far from the Calavera Hills ar... 09/30/2008

  1311 Active listings in Oceanside, in the MLS. 577 properties are listed as VACANT. 477 properties have Pending offers. Oceanside is one of the last great affordable coastal communities.  Prices range from $35,000 to $6,300,000.  There is something here for everyone. Now is the best possible time to be a first time buyer.  There is a Huge inventory to choose from.  With aggressive pricing and seller concessions, you can get the home you thought was out of reach.  Call today If you would like to see any of these homes or any homes in San Diego County or Orange County, please contact Sean Patrick Murphy at (949) 677-6315 or Sean@BlueTideRealty.com. 09/29/2008

Oceanside is the northern-most coastal community in San Diego County, bordering Camp Pendleton. As the name implies, a good portion of the development is right along the coast, just west of the downtown area along the main drag, historic Route 101.   READ MORE:Visit the California Surf Museum in OceansideStroll the Oceanside PierBuyers looking for oceanfront and water views homes and condos have a number of options here, in an area that is pretty densely built just south of Camp Pendleton all the way to the Buena Vista Lagoon that borders Carlsbad. A popular complex that offers a range of condos designed for 1st and 2nd homes, and for investment, is North Coast Village.Located between the ocean and Pacific Street, the main coastal thoroughfare, and at the north end of town just south of... 09/16/2008

I sold my last home (my personal residence) a little over 2 years ago for $495,000. Unfortunately it ended up in foreclosure and just closed escrow for $250,000!!!! That is an extreme example of what has happened here in Oceanside. The beach properties are much more stable, but anything that is entry level was hit hard. As a local Realtor with 90% of my business in Oceanside I have mixed feelings about what is happening. So I have decided to make the best of it and concentrate on helping buyers get a great deal. I am working with more first time home buyers than ever and my move up buyers that don't need to sell are thrilled at the prices. 09/11/2008

Reliant Senior Care is now located on coastal route 101, just north of the Vista Road exit of the 5 (i.e., the west end of the 78). I just attended the Ribbon Cutting yesterday evening with the Oceanside Chamber of Commerce ambassadors. Friend Sherry Courtney-Lawrence is the Founder and President of this growing senior care services company that provides bonded and insured private-duty caregivers to seniors throughout North County San Diego. Services vary and you can arrange for care for 4 to 24 hours, and overnight and live-in care is available. The situations where seniors might need care vary tremendously - someone recovering from illness or a hospital stay, or a senior in need of help or companionship in order to remain at home, are just a few examples of when Reliant Senior Care se... 09/05/2008