How To: Care 4 Fuji Apple Trees

Fuji Apple

How To: Care 4 Fuji Apple Trees Spring is upon us and it's time to plan an orchard of fruit trees or a single fruit tree around your home. The rewards in October will pay off in big dividends when you harvest a cool, crisp, tasty fuji apple right off the tree. To ensure a successful crop please read the how-to information below. Happy apple … [Read more...]

California won’t tax forgiven mortgage debt

CA Senate Seal

California won’t tax forgiven mortgage debt SB 401 (Wolk) into law providing distressed homeowners with California tax exemption on debt forgiven in a short sale, foreclosure, or loan modification. Effective immediately, this bill generally aligns California's tax treatment of mortgage debt relief income with federal law. For debt forgiven on a … [Read more...]

Is A Strategic Walk Away A Good Idea?

RU on a desert isle?

Is A Strategic Walk Away A Good Idea? Redwood City, CA: I have seen owners of homes just walk away from the home because they owe more than what the house is worth. Is this a good idea? I mean on any level is it a good idea? Is A Strategic Walk Away A Good Idea? A bankruptcy lawyer the other day told me that the banks are so cumbersome and … [Read more...]

Here’s How To Get Out Of Debt

in debt we trust

Here's How To Get Out Of Debt - Many people I see out in the market place today treat their personal household budgets like it were the federal budget.  This is an easy model to follow because after all doesn't Uncle Sam have your best interests at heart?  Well they say they do, however, Uncle Sam can do something that you can’t do.  If … [Read more...]

What you need to know when buying a home

First time home buyer's mistakes

What you need to know when buying a home This year stands to be a very good year buying a home.  It's going to take a self directed effort and commitment on the part of all home buyers and their Realtors. By working as a team home ownership can be a reality for those who want it. The number one challenge facing home buyers and Realtor I … [Read more...]

30-Year Fixed Loan vs. 7-Year Fixed Loan

mortgages and fixed rate loans

30 year fix vs 7 year fix 30-Year Fixed Loan vs. 7-Year Fixed Loan A 30-year fixed rate loan in real estate is a loan your bank gives you and you agreed to repay the principal and interest on the money you borrowed equally over a 360 months payment schedule.  This contrast to a 7-year fixed loan, which is also known as an ARM or … [Read more...]

How Sellers Price Their Homes

Will My Home Go Up In Value?

The First Question Is Usually: How Much Should I Offer? Clients often ask, “How much under the listing price should we offer for this house we like?” The best way to understand market value is through comparative research.  Professional real estate consultants review and study at least 40 to 60 listings, visit 10 to 20, and inspect 5 to 10 … [Read more...]

Planting Blueberries – Redwood City Gardens

blueberries on bush

Planting Blueberries - Redwood City Gardens Blueberries just picked from the garden are healthy, sweet, and a delicious treat.  Always plant two varieties of blueberries to have the proper cross-pollination. When fully grown blueberry plants will be 6-8 feet high and 4-6 feet wide. Planting and Care: Dig a hole 1’ X 1’ spacing them … [Read more...]

Preparing Your Home For A Home Inspector

Home inspections

Preparing Your Home For A Home Inspector If you, as the seller, have arranged to have your home inspected, you should plan to go with the inspector during the entire process. If it is a buyer initiated inspection, it would be preferable if you were not present. Being  notified before had is important for any inspection. The real estate agent … [Read more...]

How much home can I buy?

formula stock-vesctor-sq-paper-w-physics

How much home can I buy? Here's a simple formula I learned some 36 year ago for figuring out what someone may afford when buying their new home. Take your Gross Income, multiply it times 40%, divide by 12, and that will be your monthly payment you would qualify for from the bank. (This is if you have good credit and is only a ball park … [Read more...]