Showing posts with label Alamo Ca. Show all posts
Showing posts with label Alamo Ca. Show all posts

Friday, February 10, 2012

Cool App for my Real Estate Agent Friends and Home Buyers

House Hunter

By Cre8tive Apps, LLC

Open iTunes to buy and download apps.

Description

Tech Savvy Agent calls our app one of the killer apps agents should recommend to their clients. 

Trulia's blog put House Hunter #3 on their list of 7 uber helpful mobile apps for house hunters.

Shopping for a home and all the choices running together? Trying to remember which one had which feature? Having trouble trying to decide which one best meets your needs? House Hunter can help!

The House Hunter scorecard is a simple, but powerful tool to help you track and organize all your data as you search for the perfect home. House Hunter also helps you evaluate and compare the different homes you are considering for purchase. The scorecard helps to remove the emotional stress and confusion of selecting your next home by providing you relative scores based upon your own unique requirements and priorities. No longer do you need to struggle to remember details of each home you visit. No longer do you need to judge a house solely on feelings, but never quite sure if the home will meet your needs. House Hunter is loaded with features to help you make an informed decision on your next home purchase.

House_hunter

Posted via email from SamParwiz.com

Monday, November 7, 2011

9 "diet" foods that make you hungrier

9 "diet" foods that make you hungrier

9 "diet" foods that make you hungrier

  • by Sarah B. Weir, Yahoo! blogger, on Tue Nov 1, 2011 7:32am PDT

 

(Photo: Getty Images)

Put down that light yogurt, it may be making you fat. As it turns out, a number of foods that are commonly thought to be great for weight loss can actually stimulate the appetite. We spoke with Marjorie Nolan, R.D., National Spokesperson for the American Dietetic Association, to get the skinny on foods that can trigger hunger and sabotage your diet.

1. Light yogurt

The blast of sweet (often artificial) flavor causes the stomach to start producing gastric juices. With only four to six ounces of yogurt and no fat in a typical container, the body doesn’t have enough food to digest leaving the tummy rumbling for more.

Better choice: Nolan likes the creaminess and high protein content of plain, low-fat Greek yogurt. Add fruit and a sprinkle of cinnamon for flavor. If you choose the non-fat variety, add a tablespoon of sunflower seeds for crunch and satisfaction—the fat in nuts and seeds is slow to digest so a small serving keeps you feeling full.

Related: The new Nordic diet: The next big weight loss trend?

2. Puffed cereal with skim milk

The combo of skim milk and puffed cereal has too few calories to keep you energized for long. Many dieters reach for puffed cereal because it looks filling in a big bowl. However, the low fiber content leaves you wanting more soon after breakfast. Puffed cereal also has a high glycemic index, which causes blood sugar to drop after an initial boost of energy.

Better choice: Rolled or steel cut oats. Oatmeal is high in fiber, which makes it a satisfying breakfast. Add a spoonful of maple brown sugar if you need something sweet. Cooking your own plain oatmeal and adding a small amount of sweetener is much more nutritious than using pre-sweetened packets. Nolan likes to cook oats with low fat milk or stir in a tablespoon of peanut butter for even more stick-to-your-ribs goodness.

3. Big green salad with low fat or fat free dressing

The typical dieters’ lunch of a salad with low fat dressing can have a boomerang effect on the appetite. It’s full of fiber and visually filling but the low protein and fat content won’t satisfy for long. Stay away from fat-free dressings, which are loaded with sugar.

Better choice. Add three to six ounces of lean protein such as lean beef, chicken, or beans (the leaner the choice, the more you should eat) to your salad bowl.

4. Rice cakes

One rice cake=good, four rice cakes=overindulgence. And that’s about how many it will take to feel truly satisfied. Low in fiber with a high glycemic index, these classic diet snacks won’t leave your tank full for long.

Better choice: Spread a tablespoon of peanut butter or cream cheese onto a rice cake for a more balanced nosh. Or choose whole grain crackers with a spread or small portion of cheese for fiber and carbs plus protein.

5. Chewing gum

A little stick of gum is a stealth saboteur. While some chewing gum advocates say that it can stave off snacking, Nolan disagrees. She explains that the burst of flavor gets the gastric juices flowing. The act of chewing revs the digestive system even more, preparing it for a meal. If you want an express ticket to the all-you-can-eat buffet, chomp on some gum.

Better choice: We all have our munchy days, so if you are just looking for something to keep your mouth busy, air-popped corn or raw veggies are a safer bet.

6. Diet soda

Like gum, the sweet flavor wakes up the digestive process with no nutritional pay off which stimulates the appetite. Caffeine and carbonation may dampen your hunger pangs for a short time only to have them come roaring back along with an energy slump. If that’s not enough to make you rethink your daily fix, a study carried out by the University of Texas Health Center in San Antonio showed that people who consumed diet soda had a 70-500% increase of abdominal fat over ten years compared to those who didn’t drink diet soda.

Better choice: Drinking a hot beverage can slow down the appetite and allow you to think through your craving. Also, sometimes thirst signals are confused with hunger, so you may just need hydration. Non-caffeinated herbal teas won’t cause an energy crash.

7. Apple

Yes, apples are great for you—they contain lots of vitamins and fiber, but a single apple is not a balanced snack. If you don’t eat anything else with your afternoon apple, you may overeat at dinner.

Better choice: Apple with 5-10 almonds or a cheese stick. Spend a few more calories on your snack so you won’t be ravenous later

8. Low-calorie frozen entrees

Light frozen entrees contain little fiber and only about half the calories you will need to feel satiated. They are also loaded with salt. If you don’t have another option, look for a frozen dinner that contains 400-500 calories, 20-30 grams of protein, around 5 grams of fat, and 5-10 grams of fiber.

Better choice: If you are too busy to cook, Nolan suggests an “assembly based meal.” Roast chicken from the deli, a slice of whole grain bread, some salad bar vegetables, and a piece of fruit add up to a quick, healthy dinner.

9. Fat-free graham crackers or other baked goods

Nolan says people who are watching their weight tend to automatically reach for food labeled “fat free” on the package assuming it is more diet-friendly than the regular version. However, when manufacturers make fat-free foods, they often up the sugar content. Check the nutritional information on the back--the light versions sometimes contain more calories.

Better choice: Regular graham cracker. A small indulgence such as a graham cracker or square of quality chocolate keeps things interesting and won’t break the bank calorie-wise. Nolan points out that boredom is the enemy of dieters and causes people to fall of the wagon. “You are better off eating real food and more calories and feeling physically and emotionally satisfied than eating ‘diet food’ and being hungry in an hour.”

Posted via email from SamParwiz.com

Monday, August 15, 2011

How to do you spot a great real estate agent?

 Sam added an answer. 2:32pm • 9 Answers • 
I am a Realtor and work for RE/MAX Gold recruiting great Real Estate Agents to our company and here is what I have found about the best Real Estate Agents:

The best Real Estate Agents are "Realtors" and provide the best service. They answer their phone when you call them, they know how to handle difficult transactions, they are meticulous with paper work and are current real estate laws.

That being said, they need to be trained and a constant student of the industry. I found the best real estate agents to be the ones that have some sort of coaching, the best coaches in the Real Estate Industry are, Mike Ferry, Tom Ferry, Joe Stumpf, Brian Buffini and Walter Sanford. 

In short Real Estate Agents like any professional need training and continuing education. So next time you are looking for a Real Estate Agent ask them who's training them.

Posted via email from SamParwiz.com

Monday, December 13, 2010

YOU Are a Boulder: Sink, Dig, or Roll??

I wanted to share this with all of you.... Please read on

from a blogger named Chad Vice

YOU Are a Boulder: Sink, Dig, or Roll??
Written by Chad Vice
 
Now that I have THOROUGHLY confused you with the title of this post, allow me to explain myself. I was having a conversation with a couple family members of mine recently and thought of this blog-worthy analogy to share with you all.
 
THE BOULDER: Everyone of us has within us the potential to do great things - to achieve our dreams. Whether we harness that potential though, is what separates the successful from the rest. Now imagine a boulder, perched atop hill. That boulder, with all its girth, has the potential to go in any direction. And, because it is so heavy, once that direction is chosen, there is no stopping it. You ARE a boulder. Now what are you doing to do?
 
SINK?
 
Often the daily obstacles life places before us can weigh on our ability to motivate ourselves. And, unfortunately, many people become a slave to this. As time goes on, more and more obstacles seem to pile up, and complacency sets in. "Oh I'll just worry about it next week," or "It's really just not worth my time," are the sayings that cause people to become complacent. And so they sink. Sinking deeper and deeper until they can no longer make their way out. Now ask yourself, have you been sinking lately?
 
DIG?
 
Complacency is definitely an enemy of success, but its archenemy is a "self-defeating mindset." When people exhibit this tendency they actually worsen their life situation by their actions. Their mind plays tricks on them, and does everything it can to find reasons or excuses not to succeed. Giving up before they even start, or overestimating how busy they are to avoid having trying something new - this is digging. Those who dig often habituate toward it and dig deeper until they can't get out.
 
ROLL!!!
 
The only way to achieve whatever it is you dream of doing in this world is to ROLL!!! Set yourself in motion. Harness the potential of the boulder that you are and choose where you want to go. All it takes is a little push in the direction of what TRULY want to do with your life, and gravity will take care of the rest. For example, say you have always wanted to start your own restaurant, but have always told yourself it was "too difficult at this point in your life," or "would require far too much money." Why not set yourself in motion? Take baby steps at first. Pick up Running A Restaurant for Dummies and start reading! If it’s something that you would truly love doing, you won't be able to put the book down. Then, that excitement will make you want to start to talking to restaurant owners you already know, who then give you advice on what they did, and give you the next person you should talk to.
 
THE TAKEAWAY: If you are passionate about something, start learning about it. Take small steps toward it because I promise you... an object in motion, stays in motion. And if you don't want to take my word for it, surely Sir Isaac Newton's will suffice.

Century 21

Branch Leader

Posted via email from SamParwiz.com

Wednesday, December 8, 2010

Friday, April 16, 2010

Firm: Calif median home price rises in month

Firm: Calif median home price rises in month

By JACOB ADELMAN Associated Press Writer

Posted: 04/16/2010 05:07:26 AM PDT

Updated: 04/16/2010 05:07:27 AM PDT

 San Ramon —The median home price in California increased 14 percent last month from March 2009, its highest year-over-year increase in more than four years, a tracking firm reported Thursday.

The increase was driven by a boost in sales in expensive coastal markets and a drop in lower-cost inland communities, San Diego-based MDA DataQuick said.

The median for the state rose to $255,000 from $223,000 in March 2009. Last month's median was up about 2 percent from $249,000 in February.

It was the state's fifth consecutive month of year-to-year price increases after more than two year of declines, and it's highest percentage year-to-year increase since November 2005.

But DataQuick president John Walsh cautioned that the data revealed a shift in the sales mix toward higher-end homes, not an across-the-board increase in prices.

"It's a statistical quirk," he said. "A variety of data indicate prices in many communities have more or less flattened out or risen modestly, while they remain soft in others."

DataQuick said nearly 37,300 homes were sold in March, up almost 33 percent from February.

The firm stressed that it is normal for sales to rise sharply between February and March. Increases in that period have averaged almost 37 percent since DataQuick began keeping records in 1988.

The firm also said sales were up 3 percent from about 36,200 in March 2009.

Statewide foreclosures comprised nearly 41 percent of all resales last month, their lowest level since November 2009, DataQuick said.

In the nine-county region of Northern California, sales jumped about 11 percent to 6,990 in March from a year earlier. That figure rose 5 percent to more than 20,000 in a six-county region of Southern California.

The median home price in Northern California increased 31 percent to $380,000 last month from $290,000 in February 2009, reaching a three-year high. In Southern California, the median price rose 14 percent to $285,000, up from $250,000 in the year-ago period.

Walsh said the future stability of the state's housing market would depend heavily on the strengthening of the broader economy, which faced several risks.

"Government housing stimulus is fading, and there are threats from higher mortgage rates, more distressed properties hitting the market and continued job losses," he said.

Posted via web from SamParwiz.com

Friday, April 2, 2010

What would you do if I gave you $18,000

 

 

 

San Ramon, CA- Today the good news is...... 

  

$18,000 IN COMBINED HOME BUYER TAX CREDITS FOR A LIMITED TIME 

Californians have a brief window of opportunity to receive up to $18,000 in combined federal and state home buyer tax credits.  To take advantage of both tax credits, a first-time home buyer must enter into a purchase contract for a principal residence before May 1, 2010, and close escrow between May 1, 2010 and June 30, 2010, inclusive.  Buyers who are not first-time home buyers may use the same time frames to receive up to $16,500 in combined tax credits if they are long-time residents of their existing homes as permitted under federal law, and they purchase properties that have never been previously occupied as provided under California law.

Under the federal law slated to soon expire, a first-time home buyer may receive up to $8,000 in tax credits, and a long-time resident may receive up to $6,500, for certain purchase contracts entered into by April 30, 2010 that close escrow by June 30, 2010.  Additionally, under a newly enacted California law, a home buyer may receive up to $10,000 in tax credits as a first-time home buyer or buyer of a property that has never been occupied.  The new California law applies to certain purchases that close escrow on or after May 1, 2010 (see Cal. Rev. & Tax Code section 17059.1(a)(4)).  California law generally allows buyers of never-occupied properties to reserve their credits before closing escrow, but buyers seeking to combine the federal and state tax credits will not be able to satisfy the timing requirements for such reservations (see Cal. Rev. & Tax Code section 17059.1(c)(1)(A)).  Other terms and restrictions apply to both tax credits.

For more information, C.A.R. offers a Home buyer Tax Credit Chart with a side-by-side summary of the federal and California laws.  C.A.R. also offers a legal article entitled Homebuyer Tax Credit Update.

Remember, a first home buyer is defined as someone who has not owned a home in the last three years in both the state and federal law.

 

If you have further questions contact me at 925-219-5144 or samparwiz@gmail.com

 

Posted via web from samparwiz's posterous

Wednesday, March 24, 2010

Facebook Virus going arround.........if you get an e-mail like this.......

From: "Facebook Assistance"
Subject: Facebook Password Reset Confirmation! Your Support.
Virus: AUTH-W32/Bredolab.DY

Posted via web from samparwiz's posterous

Friday, March 12, 2010

Know Your ARV Members » Using your IRA as an Instrument to Invest in Real Estate

Many investors have become disenchanted with recent stock market volatility, stories of corporate scandal and corruption. In addition to impacting retirement account values, these events have also strained investor confidence. It is no wonder then that more and more investors are pushing their advisers to offer Self-Directed IRAs (SDIRAs) that allow them to invest in alternative assets which they believe will provide greater diversification and control over their retirement nest eggs.

While the list of alternative investments includes a wide-ranging group of assets including private equities, hedge funds and mortgages, one area that has captured the greatest level of interest is real estate.

I believe, that falling prices, combined with increasing inventory, is creating new investment opportunities in real estate. As prices have fallen, the pendulum has swung past center to create oversold conditions, providing opportunities to buy real estate at low prices. Some areas in the U.S. have been experience this phenomenon for almost three years now.

Another factor to consider is that many real estate investors are being squeezed out of the market due to the current credit crisis. This has created a unique opportunity for cash-rich retirement plan investors. These investors are either purchasing the real estate outright, using a partnership or LLC. It is estimated that the first of more than 78 million baby boomers will begin to retire this year. This group controls more than $14 trillion dollars in retirement plan assets. These assets are being “rolled-over” from employer-based plans to individual retirement accounts. Many baby boomers have already begun to shift away from traditional equity investments to those that generate income, such as, income producing property. Add these factors with the possibility of equity appreciation, and it is clear why real estate is growing in popularity.

Just like doing all your research to select the perfect property to purchase includes knowing the market, good real estate comps, and knowing an exit strategy; finding the right SDIRA takes a little expertise. After the proper SDIRA custodian has been selected, the investor should request and complete the appropriate forms for their Traditional, Roth, SEP, Simple, Individual 401(k) or other qualified plan(s). The good SDIRA adviser will guide you through this process and make the process seamless for investors.

Ongoing market volatility, combined with the need of baby boomers to generate income, and retire securely, is causing investors of all shapes and sizes to take a hard look at their investment allocations to ensure there is a proper mix of opportunity and risk. As investors needs change, alternative assets and self-directed retirement accounts will become important tools to diversify and grow retirement wealth.

If you need to help with finding awesome investmetnts in real estate contact me @ 925-219-5144 or samparwiz@gmail.com.

Posted via web from samparwiz's posterous

See how unemployment has increased county by county in all states?

Monday, March 8, 2010

The Future of Home-Price Appreciation - US News and World Report

After its historic decline brought the global economy to its knees, the U.S. housing market is gearing up for a long-awaited recovery. Real estate experts expect home prices to hit bottom in late 2010 or early 2011 before—finally!—heading north again. But what shape will the rebound take? Are we in for another boom? Or will we have to settle for sluggish growth? Here's the outlook for home price appreciation through 2020.

[See 10 Cities For Real Estate Steals.]

The trajectory of real estate values will vary a great deal from one market to the next. But home prices at the national level should appreciate at "pre-bubble" rates once the market re-establishes its equilibrium, says Kenneth Rosen, chairman of the Fisher Center for Real Estate and Urban Economics at the University of California–Berkeley: "I'd say prices are back to [increasing] 1 or 2 percent more than the inflation rate over the next 10 years." Although that might seem like peanuts to those who watched prices skyrocket during the first half of the past decade, it's actually in line with long-term averages. When adjusted for inflation, American home prices increased by an average of about half a percentage point per year from 1890 through 2008, according to data compiled by Yale University Prof. Robert Shiller.

Modest increases in home prices will be supported by larger paychecks, says Mark Fleming, chief economist of First American CoreLogic. "In the long run, house prices basically go in lock step with wage growth," he says. With the unemployment rate holding near double digits, that might not seem encouraging. But Fleming says that while the labor market is a late arrival in modern-day economic recoveries, jobs always return in some form. This time around, he expects high-tech companies and research-based industries like biotechnology to lead a resurgence that eventually sparks employment and wage growth throughout the economy. Inflation-adjusted personal incomes should increase roughly 2 percent a year from 2010 to 2020, according to Moody's Economy.com.

[See America's Best Places to Live.]

The "echo boomers." Meanwhile, demographic forces should boost demand for housing over the next decade, according to Harvard University researchers. Members of the "echo boom" generation—children of the baby boomers—are "entering their peak household formation years of 25 to 44 with more than 5 million more members than the baby boomers had in the 1970s," Harvard researchers said in a June 2009 report. "The echo boomers will help keep demand strong for the next 10 years and beyond." While some of this demand is likely to flow into the rental market, the preferred tax treatment of mortgage loans should help keep the American infatuation with homeownership alive. And if tax rates increase, as many expect, the value of the mortgage interest deduction will go up as well.

A more restricted flow of credit should prevent another housing bubble from forming anytime soon, says former Fed governor Lyle Gramley. Banks, hammered by souring loans, have raised their lending standards for even well-qualified borrowers. And federal regulators have taken steps to eliminate some of the reckless lending practices that precipitated the crash, such as banning lenders from making a higher-priced mortgage loan without first scrutinizing a borrower's ability to repay it. Tight mortgage credit "is going to persist for quite some time," Gramley says.

Still, housing bubbles haven't been driven to extinction. That's because the real estate market is cyclical. Regional housing markets have gone from boom to bust for as long as people have had mortgages. And because the booms generate so much wealth for home¬owners, investors, and influential industries—like home builders—it's unlikely that Congress can work up the courage to snuff them out with tough regulation, says Mark Calabria, a former senior Senate staffer who now works at the Cato Institute. "It's not an economic question, it's a political question: How do you build institutions that push against bubbles when you know they are going to be incredibly popular when they happen?" Calabria says. "And we all know Congress does what's popular, not necessarily what's right." Nothing in Capitol Hill's effort to reform financial regulation suggests that things will be different this time, he says. Insufficient regulation is one reason he expects another real estate bubble to surface within 15 years. "I would bet my life on it," he says.

So what's the best way to play an asset that will appreciate 1 or 2 percentage points above inflation during periods of stability but can swing wildly in times of imbalance? Simple: Buy a house because you'd enjoy living in it, not because you expect blowout returns. Then you'll never be disappointed by its quarterly statements.

Great news...2010 is the bottom of the real estate market. So there you have it folks start making your plans accordingly.

Posted via web from samparwiz's posterous

#Press Release Senior Smoke Detector Project....

Senior Smoke Detector Program

Rotarians at Work Day

 

Sponsored by the Alamo, Danville, Danville-Sycamore, San Ramon, San Ramon Valley Rotary Clubs & the San Ramon Valley Fire Protection District

 

On Saturday, April 24, 2010 from 9:00 AM to 12:00 PM, members of your local Rotary Clubs will be visiting homes and town homes within the San Ramon Valley Communities (Alamo, Blackhawk, Danville and San Ramon) of seniors or others who need our assistance.  *Rotarians identified by their Rotarian Badge, will change your batteries in your smoke detectors or install new smoke detectors up to a 10’ ceiling height.  Each resident’s home they visit will receive a fire safety information packet from the San Ramon Valley Fire Protection District.

 

If you need assistance in having your batteries changed or need a new smoke detector installed, please drop by one of the following locations to complete the sign-up form no later than 9:00 am, Friday, April 2, 2010:

 

  • Alamo Bank of America - 110 Alamo Plaza, Alamo
  • Alamo Safeway - 200 Alamo Plaza, Alamo
  • Alamo Women’s Club - 1401 Danville Blvd, Alamo
  • Danville Community Center - 420 Front Street, Danville
  • Danville Community Presbyterian Church - 222 West El Pintado Road, Danville
  • San Ramon Senior Center - 9300 Alcosta Boulevard, San Ramon
  • San Ramon Community Center - 12501 Alcosta Boulevard, San Ramon
  • Sunny Glen Senior Center – 9000 Craydon Circle, San Ramon
  • San Ramon Valley Fire Protection District Administration Building – 1500 Bollinger Canyon Road, San Ramon

 

You can also sign up by calling the Rotarians at Work Day project at (925) 838-5133 or online sign up forms can be found at www.FireDepartment.org for downloading.

 

 

*Rotarians will be Identified by their Rotarian Badge

 

 

  

 

By Sam Parwiz

 

Rotary Club of San Ramon

Publicity Chairman

Posted via web from samparwiz's posterous