If you love house music then out this ........Funky London House......

http://funkylondon.podomatic.com/entry/2010-01-30T06_06_54-08_00

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Happy Friday

Off to the San Ramon 24 Hour Fitness, prospecting 8am-10am, then
meeting new client in Walnut Creek 11am.

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Sometimes you need extra cash.........

http://www.sanramonexpress.com/news/show_story.php?id=1120

 

Rotary has cash for projects to help others

by Dolores Fox Ciardelli Sometimes it takes a little extra cash to do a lot of good in the community. That's where the Rotary Club of San Ramon steps in to help with grants for worthwhile projects. Nonprofit groups must apply by March 1 for grants from the San Ramon Rotary Foundation. The grants range from $200 to $1,500 and will be awarded by the foundation's grants committee. "It can be more than $1,500 if the grants committee approves it," said Rotarian Sam Parwiz. "We need to get the word out," he added. "We have in the neighborhood of $10,000 to $20,000." Grants will be awarded to groups that make a big impact in the community by meeting a need. The fFoundation does not make continuing or permanent commitments but evaluates requests annually on their merits. Groups must also be ready to account for the use of the money. Grants will be given to groups that will use the money within the year, from July 1, 2010-June 30, 2011. Grant recipients are requested to recognize the Rotary Club of San Ramon in an appropriate manner, and the foundation will list those who receive the grants in press releases and the Rotary publication, Crows Call. Grant recipients in 2008-09 were as follows: Ten (10) Scholarships to High School Seniors Agape Villages Assistance League of Diablo Valley CALDA California High School Robotics Program Contra Costa Firefighters 1230 Del Amigo Continuation High School Diablo Valley College Diablo Valley Veterans Foundation/Sentinels of Freedom Discovery Counseling Center East Bay Diaper Foundation Eugene O'Neill Foundation Golden View School Halleck Creek Ranch Institute Hospice Foundation of East Bay Loaves and Fishes Lucille Glass Mauzy Foundation San Ramon Historic Foundation San Ramon Senior Center Foundation San Ramon Youth Police Academy San Ramon Valley Eating Disorder Support Group Shelter Box USA Wardrobe of Opportunity Grant applications are available at www.sanramonrotary.org. For more information, call Sam Parwiz at 219-5144.

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Marriage is............

Marriage is the process of finding out what kind of man your wife would have preferred...

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WACHOVIA Loan Modification - Don't Try To Negotiate!

San Ramon, CA - A real story!

WACHOVIA Loan Modification - Don't Try To Negotiate!
 

Hello -

I am new here to the forum but I wanted to share my story of my loan modification with Wachovia to help anyone out there who may be in the same or similiar boat. Going through this whole process is a scary thing - almost like walking through a room pitch black, I felt so lost. I hope my experience can help anyone! My first mortgage is with Wachovia. I was in an Option ARM loan and due to the loss of my side business couldn't even afford the minimum payment. I had tried to modify my loan with them for over a year. Finally things were getting more tough so I decided to short sell. I became late on the payments and not until I was THREE MONTHS LATE, they offered me the MAP Loan Program. Being that I was lost in the whole process, I was trying to get help with going over the terms of the loan. It was a sweet deal (reduction of 20% principal, 3.5% interest only for the first few years, then went up about half a percent each year, eventually capping out at 6.5% for the life of the loan in a 40 year fixed. All late payments and fees waived). I unfortunately missed the deadline to return the signed docs because I was nervous, although it sounded like a sweet deal, I tried to get second opinions on the situation, etc (which I now regret)....so when I called back to turn them in, they made me go through the whole application process again! This time the offer was not as nice. (reduction of 20% principal, 4.75% first three years and up from there capping out at 6.5% for the remainder of the term for 40 years, late fees and back fees waived). Still can't complain - Although my payments will be almost $500 more a month then the first initial offer, I am hoping that when my property value is reassesed for taxes, this will help drop my payments. I have probably called those people a million times! TRUST ME THEY WILL NOT BUDGE! They say they DO NOT negotiate any terms of any offer whatsover and they are right. I am thankful that I will be able to save my home, but its hard to swallow at the same time. So my advice to anyone working with Wachovia, if what they are offering you the first time works for you, TAKE IT! I talked to a Rep today in the Loss Mitigation VIP Center and he said he has seen that when people do not take the first offer for whatever reasons and try to negotiate for whatever reasons, the bank is giving them worse options... So I hope my experience can help those who are feeling lost in the process. There is hope, keep trying. My home is now 7 months behind on the mortgage. You have time, but don't wait!!!

If you know someone who needs help please forward this to them.

Sam Parwiz

Real Estate

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I used to buy natural foods, till I found out that most people die of natural causes. lol

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The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance...

Theme Song (Movin' On Up) by The Jeffersons  
Download now or listen on posterous

TV_Theme_Songs_-_The_Jeffersons_Theme_Song.mp3 (1101 KB)

The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

• To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.
• The tax credit applies only to homes priced at $800,000 or less.
• The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.
• Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

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$8,000 First-time Home Buyer Tax Credit at a Glance

 

• The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
• The tax credit applies only to homes priced at $800,000 or less.
• The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
• For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.
• For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

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Federal Housing Tax Credit: Tax Credits at a Glance

$8,000 First-time Home Buyer Tax Credit at a Glance

• The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer%u2019s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home%u2019s purchase price up to a maximum of $8,000.
• The tax credit applies only to homes priced at $800,000 or less.
• The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
• For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.
• For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

• To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer%u2019s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home%u2019s purchase price up to a maximum of $6,500.
• The tax credit applies only to homes priced at $800,000 or less.
• The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.
• Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

via federalhousingtaxcredit.com

if you have any questions I will be glad to help and answer them for you. samparwiz@gmail.com

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Kind words from my new client...

Sam,
A brief note of Thanks and appreciation.  Thank you for making it obvious that you sincerely wanted to assist me.  Thank you for not strutting and trying to impress me with your talents and successess.  It is quite clear in our interaction that you are authentic and genuine/real and I do so appreciate that. I look forward to working with you and Mary.  T.

 

Tracy B.

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Thank God it's Sunday!

Off to the San Ramon 24 Hour Fitness. Time to train legs by the way yesterday I made a wonderful connection with my new client Tracy who needs my help in getting her mortgage modified.  Tracy sent me a really nice note I will post it later. What's your day like?

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Anonymous

"You don't marry someone you can live with -you marry the person who you cannot live without."

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I love her

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Busy day today....

Meeting a great couple who want to move from Lafayette to San Ramon @10am, then it's off to Martinez, to help out a lady who lost her job.  I am going to help her modify her mortgage with Wachovia Bank.  Thank god I know a senior vice president of Wachovia who always wants to help.  In the afternoon I have to put the key on the new home I just listed for sale.

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Driving too fast to Blackhawk...

 

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Free King Tut Weekend Sponsored by Target | Tutankhamun and the Golden Age of the Pharaohs

Free tickets to the special exhibition Tutankhamun and the Golden Age of the Pharaohs at the de Young will be available to the general public on Saturday, February 20, and Sunday, February 21, as part of a generous sponsorship by Target. Tickets will be available on site only, with a limit of four tickets per adult for that day. All tickets are first-come, first-served and timed and dated. The permanent collections of the de Young will be free to the public all weekend and free programming will include children%u2019s art making, fortune tellers, tarot card readers, belly and sword dancers and a DJ spinning in Wilsey Court, as well as a festival of mummy movies screened from noon to 5 pm in the Koret Auditorium.

Admission Specifics:

• There will be no advance ticketing for Free Tut Weekend Sponsored by Target.
• Tickets are first-come, first-served with a limit of four tickets per adult. Demand will be high and Tut tickets for the day will be claimed early in the day.
• Visitors without Tut tickets can visit the de Young%u2019s permanent collection free of charge on both days and the Museum Store, Museum Caf� and Tower will also be open.
• The de Young box office will open at 8:30 am on February 20%u201321 with first exhibition entry at 9 am.
• Museum hours on February 20%u201321 will be from 9 am%u20135:15 pm with last entry to the Tut exhibition at 4 pm.
• Strollers, baby carrying backpacks, diaper bags and regular backpacks must be checked before entering the special exhibition galleries.

Free Programming and Mummy Film Festival:

The de Young will be filled with free activities during Target Tut Free Weekend. Families can enjoy a children%u2019s art project in the Piazzoni Murals Room where kids learn to engrave ancient hieroglyphics into copper foil. Belly and sword dancers will entertain visitors waiting to enter the Tut exhibition, and tarot card and fortune tellers will be on hand to predict the future. Enjoy the sounds of contemporary Egyptian music spun by a dj in Wilsey Court.

A special mummy film festival for all ages will take place in the Koret Auditorium from noon to 5 pm each day screening a mix of light-hearted and serious mummy classics such as The Mummy (1932), Abbott and Costello Meet the Mummy (1955), King Tutankhamun: The Mystery Unsealed (2006), The Mummy: Hollywood%u2019s Golden Age (2000) and Scooby-Doo in Where%u2019s My Mummy? (2005). And what mummy festival would be complete without the Three Stooges classic, We Want Our Mummy? It too will be screened that weekend. All films are free and open to the public.

Programming Schedule:

• 9:30 am%u20135 pm Hands-on art making for all ages in Piazzoni Murals Room
• 11:30 am%u20133 pm Fortune Teller and Tarot Reader in Wilsey Court
• 11 am%u20135 pm Dj spinning Arabic and Egyptian beats in Wilsey Court
• 11 am%u20135 pm Mummy Movie Festival in Koret Auditorium
• noon %u2013 5 pm Sword dancers and belly dancers roving throughout the ground floor

via tutsanfrancisco.org

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A wonderful couple just hired me to sell thier........

beautiful Martinez CA home.  I am super excited about getting it on the market and selling it for them.  They want to move to Brentwood. That makes me Happy! 

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Foggy

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Beautiful morning run Iron Horse Trail

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Good Morning and Happy Thursday....

Danville, CA - Going for a 7 mile run on Iron Horse Trail.

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Be a man about it!

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Going to the Best Gym...

San Ramon- CA 24Hour Fitness! Chest and Back.  Then showing houses in Brentwood to a great couple that's downsizing from their 2900 sqft home to 1500sqft. It's just the two of them and the kids are all gone. 

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On my way...

To helping my new clients sell their Martinez home.

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Untitled

Hello

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If you have a blog you have to check this out!

http://www.youtube.com/watch#playnext=1&playnext_from=TL&videos=VCdqt6MQLso&v=1gd4vE93HHk

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Free Money Just Apply (if you're a non-profit)

San Ramon CA - If you have a non-profit organization and would like to get a grant for your group. Please contact me at samparwiz@gmail.com so that I can get the grant application to you. The grants range from $200 to $1500 and the last day to submit the application is March 1, 2010. The grants will be awarded by our grants committee. Good Luck!

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Nice master bedroom!

Download now or watch on posterous

2010-02-05 16 01 46.MP4 (17542 KB)

Wake up to this view!

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Happy Valentines Day, Shakespeare's Sonet 29, Translate by our San Ramon Rotary, President Dr. Bill Harlan, "The Bard", as he is known.

Happy Valentines Day,  Shakespeare's Sonet 29, Translate by our President Dr. Bill Harlan, "The Bard", as he is known.

Sonnet 29
 
When in disgrace with fortune and men’s eyes,
            When I feel like Fate is against me and others think I’m a loser,
I all alone beweep my outcast state,
            And I feel sorry for myself all alone
And trouble deaf heav’n with my bootless cries,
            And I feel like my prayers to God are ignored,
And look upon myself and curse my fate,
            And I examine my life and feel like it’s useless
Wishing me like to one more rich in hope,
            Because I don’t have the prospects that another person has
Featured like him, like him with friends possessed,
            Or because I’m not as good-looking as someone else or have as many friends,
Desiring this man’s art, and that man’s scope,
            Or envy another person’s talent or someone else’s power and influence,
With what I most enjoy contented least;
            When even things I like to do don’t make me feel better, in fact make it worse;
Yet in these myself almost despairing,
            When I am overwhelmed with these thoughts that make me almost despair,
Haply I think on thee, and then my state,
            Then by chance I happen to think of you and my state of mind
Like to a lark at break of day arising
            Becomes like a lark at dawn that flies to the sky,
From sullen earth, sings hymns at heaven’s gate;
            Leaving the depressing earth and instead sings hymns to the heavens,
For thy sweet love rememb’red such wealth brings,
            Because when I remember your sweet love it makes me feel so rich            
That then I scorn to change my state with kings.
            That I wouldn’t changes places with a king.

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The Canadians are like Flanders on the Simpson's

The Canadians are like Flanders on the Simpson's.  They try to be cool but are just too nice. lol

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San Ramon Rotary Club had a wonderful lucheon today.

San Ramon CA - If you have a non-profit organization and would like to get a grant for your group.  Please contact me at samparwiz@gmail.com so that I can get the grant application to you.  The grants range from $200 to $1500 and the last day to submit the application is March 1, 2010.  The grants will be awarded by our grants committee. Good Luck!

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