Don't get me wrong, I love living here in Vista, CA (been living here since 1984 now!)...they don't call it the World's Climatic Wonderland for nothing afterall...but I really and truly get a tad bit homesick every year about this time... And mothers know everything.  No really, they do.  My mom just sent this picture of a dirt road back home, Northern Vermont, to me on my iPhone.  Isn't it pretty?  Granted, I have tons more from previous years...and waxed leaves...the whole works that she sends me every year...some are artwork quality...this one was just out as she was driving around and thought of me. So, since I'm sharing what fall means to me (the start of the holidays, the smells of pumpkin spice and cinnamon, beautiful fall leaves, crisp cool evenings...), I thought I would open u... 10/08/2009

I recently read an article on Realtor.com that the only homes that were selling were above the $5,000,000 range. So one day I received an un-solicited call from a drive by agent and his client who had been looking for homes in our neighborhood for several months. I am fortunate to have purchased my home in 1980 during the 18% interest rate recession for only $150,000. It's in a beautiful coastal North San Diego semi-rural community with 1 acre minimum's. We own a flat one acre hilltop 4500sf 5bdrm, 4bth property with a panoramic ocean view that has taken every bit of 3 decades to create. When we purchased the property we were young and broke with 4 kids and a bun in the oven so I didn't have the money to pay for lavish landscaping or remodeling. Instead I would canvass all the nurseries... 10/08/2009

I am so excited...I have been waiting to unveil my new Real Estate Virtual Assistant site for quite some time now and I think that we finally have all the kinks out of it!!! I belong to a list of fabulous web designers who frequently post their work for site checks prior to launching their clients' new sites...and I get to see a lot of designers' work that way.  Lots of them are great, but few of them speak to me...but one designer has, I admired her work for years, her work can be blunt and honest or stylish and elegant...and somehow, sometimes it can be both.  I have always done my own website design and even blog customizations...but i always swore that if I ever outsourced my website, that it would be to her.  And I did.  And I am so happy that I finally did it for myself. Her name ... 09/17/2009

TIP:   Sometimes you've just got to go old school.  I was reading another blog post today about how even with all the technology around us, it is hard to get organized and stay on task...perhaps that article should have said "because of it"???  If you're like most of us, you have at your fingertips a computer with all sorts of software to help you stay organized, a PDA or smartphone, calendars, etc...but what good are they if you don't use them to stay on task?  I know that on my computer I have numerous programs that I can and do create To-Do lists with...I work well with them for a few days and then I figure it's just faster to get on with the work rather than keeping those programs updated...soon I have forgotten some important task that I had intended to accomplish.  I now have my n... 09/15/2009

Hello and Welcome to ~Shadowridge~ Vista California Foreclosure Auction, Bank Owned REO, Homes for Sale, Real Estate.   Understanding the foreclosure property auction (also known as Trustee Sale) process takes time, due diligence, and understanding.  Saavy Real Estate investors can find some of the best deals around buying at these auctions, but is it right for everyone?   We would like to help explain further about these auctions and the benefits and downsides of buying Real Estate at them. Understanding the process is the key, and here is how the process goes as an overview: Pre-Foreclosure (Also known as Notice of Default).  Pre-Foreclosure is usually when the current homeowner is 90 days past due on their Mortgage.  The current lender files with the County Recorders office a Notice ... 08/30/2009

RATE LOCK ADVISORY August 20 , 2009,  9:22 PM PST Rate Lock Advice:  FLOATMBS prices are up +1/32 after Jobless Claims came in higher than expected. When MBS prices are up, yields (rates) are down. NOTE: Lock advice can change throughout the day . National Average Fixed Rate Mortgage Unchanged at 5.22% on Aug.20 Fannie Mae Mortgage Backed SecuritiesMBS Opened at 4.877% Up 0.03%. 10 Year Treasury currently 3.470% Up 0.02% DJI stocks 9,313.92, Up 34.76, 0.37% European and Asian Markets Up 1.466% Nymex Crude Oil currently $73.08 Down $0.44 This morning MBS prices began with small losses, but moved higher after Claims data was released. Weekly Jobless Claims came in at 576K, above the consensus forecast of 550K. Investors were disappointed that the job market didn't show some signs of impro... 08/20/2009

RATE LOCK ADVISORY August 18 , 2009,  1:20 PM PST Rate Lock Advice:  LOCKUS Financial markets are closed at 4:00 PM ET.  Unfavorable repricing resulted today when MBS prices dropped  -11/32 below the 9:45 AM ET initial lender pricing of -1/32. When MBS prices are up, yields (rates) are down. NOTE: Lock advice can change throughout the day . National Average Fixed Rate Mortgage Unchanged at 5.23% on Aug.18 Fannie Mae Mortgage Backed SecuritiesMBS Opened at 4.843% Up 0.011%. 10 Year Treasury currently 3.510% Up 0.03% DJI stocks 9,217.94, Up 82.6, 0.9% European and Asian Markets Up 0.898% Nymex Crude Oil currently $71.54 Up $1.88 This AM, July PPI showed a decline of -0.9% from June, and PPI decreased -6.8% from one year ago. Core PPI fell -0.1% and increased at a 2.6% annual rate. Both PP... 08/18/2009

DISPLACEMENT So now that the stage is set I’ll get to the point. Unlike wind, fire and flooding events that can and have wiped out entire communities earthquakes can and usually do give you a second chance if proper proactive and preventative measures are implemented. The biggest tragedy and challenge in the aftermath of any disaster is total loss of the use of your home also known as DISPLACEMENT.  There are three classifications your home may be subjected to if it is damaged in an earthquake as well as many other types of disasters but let’s focus on earthquakes for now. They are as follows: GREEN TAG: Ah! You will be in heaven compared to your less fortunate YELLOW AND RED TAGGED neighbors. Your life will not change much. After you pick up the broken glass, clean up the debris, negot... 08/07/2009

Hello and Welcome to Vista California Foreclosure Auction, Bank Owned REO, Short Sales, and Homes for Sale. July 20th, 2009 Understanding the foreclosure property auction (also known as Trustee Sale) process takes time, due diligence, and understanding.  Saavy Real Estate investors can find some of the best deals around buying at these auctions, but is it right for everyone.   We would like to help explain further about these auctions and the benefits and downsides of buying Real Estate at them. Here are some of the latest statistics from Foreclosure Radar hot off the press for June 2009.  If you are unfamiliar with some of the following terms please read below for further explanations. Notice of Defaults for California rose by 11.8% to the second highest level on record at 45,691 filin... 07/20/2009

Vista California Foreclosure Auction, Bank Owned REO, Homes for Sale, Real Estate Hello and Welcome to Vista Foreclosure properties. During the recent down turn Vista home prices have experienced declines due to the overwhelming number of foreclosures and the tightening of credit. The region also faces pressure due to the recent rises in unemployment. So the question to ask, Is there opportunity to buy in this market? We believe the answer is Yes, but only with the right approach. The potential silver lining and opportunity here is the following: According to Dataquick, in the month of May, 2009 there were 3,094 sales in San Diego county which represents a 8% increase in sales volume over May of 2008. The median home price for San Diego has actually increased by 15,000 over the last 3 ... 07/10/2009

Vista California Foreclosures, Bank Owned REO, Short Sale, and Homes for Sale June 29, 2009 Real Estate Silver lining or still too early to tell? Lets look at the numbers... May 2009 Foreclosure, REO, and Short Sale update. According to Foreclosure Radar (A service which tracks every single foreclosure daily in the state of California) in the month of April Foreclosure notices in the state of California saw a decline while foreclosure sales rose in the state of California. Sales at the actual foreclosure auction rose by 32 percent overall.  According to estimates foreclosure sales sold to third party investors at an average of a 28% discount from estimated market value. Notices of default dropped by an estimated 4.2% from the record level set the prior month.  Notices of Trustee sale (F... 06/29/2009

New Law Gives Renters Protection During Foreclosure, according to the National Low Income Housing Coalition.  I've heard too many stories about homeless families because THEY paid their rent on time BUT the homeowner did not pay the mortgage!  I jumped up and down when I read this new law. An urgent email from the National Low Income Housing Coalition says: "Important protections for tenants living in foreclosed properties were signed into law by President Obama.  The renter protection provisions took effect immediately and expire at the end of 2012.   S. 896 contains key renter protections, advocated for by NLIHC and other organizations: 90-day pre-eviction notice to tenants whose homes have gone into foreclosure. The rights of tenants to remain in their homes for the terms of their le... 06/28/2009

When I first moved to North San Diego county, a wonder neighbor introduced me to the Moonlight Amphitheatre, located at Brengle Terrace Park‎ right here in Vista.I fell in love and have been a season ticket holder ever since.The amphitheatre offers summer musicals with full orchestra and a mixture of professional and local artists.This summer, there are three staged productions each running for two weeks.Guests can sit in reserved seats, or sit on the lawn in lawn chairs. Almost everyone brings a picnic dinner (alcohol is allowed). The productions are always first rate and of extremely high quality. There is not a bad seat in the place.The tickets are very affordable and a good time is had by all, both young and old. Tickets run from $22.00 to $44.00 for a most pleasant fun-filled even... 06/16/2009

This bank owned property is in need of finding a family, it is a two bedroom one bath home, with approximately 800 SF, it will need some TLC. One car garage. The home has no HOA or mello roos. It is close to all amenities, single level. The bank is looking for a 30 day close, and would like proof of buyers ability to perform from a direct lender. Interested in finding out more about this home please contact. 1-888-882-1198 Ext 125. Thinking of buying or selling a home---please contact Crescent Moon Realty, Inc @ 760-945-6652, or if you want a non traditional style of selling contact: Land N Sea Auctions, @ 1-888-882-1198 06/11/2009

Hello and Welcome to Vista California Foreclosure Auction, Bank Owned REO, and Homes for Sale. Understanding the foreclosure property auction (also known as Trustee Sale) process takes time, due diligence, and understanding.  Saavy Real Estate investors can find some of the best deals around buying at these auctions, but is it right for everyone.   We would like to help explain further about these auctions and the benefits and downsides of buying Real Estate at them. Understanding the process is the key, and here is how the process goes as an overview: Pre-Foreclosure (Also known as Notice of Default).  Pre-Foreclosure is usually when the current homeowner is 90 days past due on their Mortgage.  The current lender files with the County Recorders office a Notice of Default.  When this is... 06/04/2009

   Vista California Foreclosures, Short Sale, REO & Homes for Sale   Real Estate Silver lining or too early to tell? April 2009 Vista California Foreclosure, REO, and Short Sale update. According to Foreclosure Radar (A service which tracks every single foreclosure daily in the state of California) in the month of April Foreclosure notices in the state of California saw a decline while foreclosure sales rose in the state of California. Sales at the actual foreclosure auction rose by 35 percent overall.  According to estimates foreclosure sales sold to third party investors at an average of a 28% discount from estimated market value. Notices of default dropped by an estimated 18.2% from the record level set the prior month.  Notices of Trustee sale (Foreclosure Auction) also dropped by 8... 05/17/2009

Surviving and Prospering In A Shifting Market Exclusive "FREE" Success Seminar  As Others Quit, Those That Stay Can Become Millionaire Real Estate Agents  Brett Noel  -  World Class Motivational Speaker & Author California's Success Coach - This Event Always Sells Out ONE DAY ONLY - REGISTER EARLY - LIMITED SEATING FOR REAL ESTATE AGENTS ONLY - A complete system to reach Financial Independence & Wealth.                                                                                       You heard that right, I don't know how he does it for FREE, but I've already reserved my seat!  Top trainer Brett Noel from www.BrettNoel.com is hosting a workshop for real estate agents in Vista, California and in San Diego, CA. Covers: • Why 93% of agents fail financially and what you need to do to su... 05/11/2009

Capturing leads is our #1 job.  Our #2 job, equally important, is converting those leads into clients.  This was the fundamental principle top instructor Doug Smith spoke about at his recent real estate sales training seminar. While we can hire a marketing company or an assistant to GET leads, it's our job to turn those leads into buyers or sellers.  That was an eye-opener for me, as I had never really broken it down into 2 categories:  Capturing & Converting. "The most successful real estate salespeople sell mostly TO and THROUGH people they already know," said Doug Smith.  So that's why it's important to widen our Sphere of Influence (SOI) and get to know more people! So my next step is to (1) meet more people and (2) keep in constant communication with those I already know.  Those we... 05/07/2009

Sold - Sold - Sold This great home is located in Vista Royalodge--- in Vista, Ca. A friendly community of 55+. A newer home thats equiped with energy efficient appliances that will save money. Air conditioning is available for those days when Santa Ana rides into town. Do you want an active social life look no further ---- club house and many other amenities will keep you entertained. Vista is know for it mild temperatures and its nearness to the beach, mountains and the desert. Loving attention has been shown to this home and you can own this home for only $89,900. Looking to buy or sell a home in Vista, call and ask about my lastest strategies. 760-945-6652. 04/29/2009

Can't seem to keep all your receipts in one place?  Forget to write down your mileage?  Feeling overwhelmed trying to track expenses?  Want an easier to to deal with all the daily bookkeeping chores, and make it easy for yourself in TAX season? Say hello to www.Xpenser.com for easy accounting.  Computer entry too time-consuming?  Try: Email from PDA (Blackberry) SMS or IM (text message) iPhone Twitter Calling from your cell phone Browser search entry Website entry Now that you've entered your expenses, what can you do with the records? Edit the records Track mileage Export to other applications, like Excel or Quickbooks Set up an RSS feed for yourself I am most amazed because it's FREE and doesn't spam you with ads!  Not sure how they managed to do all that for free, but it sounds great... 04/25/2009