Fall Back Into Bed With An Extra Hour's Sleep - And Charge Your Batteries!

 

Fall Back Into Bed With An Extra Hour's Sleep - And Charge Your Batteries!

Daylight Savings Time Ends this Saturday October 31st, so be sure to set your clocks back before you go to bed. (It technically ends Sunday, November 1st at 2am, but don't feel obligated to get out of bed to change your clock - setting it back before bed is my preferred and recommended method!)

When you get up fully rested Sunday, November 1st, your first order of business is: CHANGE (OR RECHARGE) YOUR SMOKE ALARM AND CARBON MONOXIDE ALARM BATTERIES!

Did you know that fire deaths in homes tend to occur between 10PM and 6AM when most families are sleeping? By changing your batteries - and testing your alarms - twice a year when you change your clocks, you can ensure your alarms are in good working order and do your best to prevent fires and deaths in your home.

Have A Great Halloween, Enjoy an Extra Hour's Sleep, and Change Your Alarm Batteries.

Barbara Whisenant

Your Friend in the Business

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Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Staying Health This Cold & Flu Season.

Here is some helpful tips on staying healthy this cold and flu season.

Dr. Vinay Goyal is an MBBS,DRM,DNB (Intensivist and Thyroid specialist) having clinical experience of over 20 years. He has worked in institutions like Hinduja Hospital , Bombay Hospital , Saifee Hospital , Tata Memorial etc.. Presently, he is heading our Nuclear Medicine Department and Thyroid clinic at Riddhivinayak Cardiac and Critical Centre, Malad (W). 
The following message given by him, I feel makes a lot of sense and is important for all to know.
The only portals of entry are the nostrils and mouth/throat. In a global epidemic of this nature, it's almost impossible to avoid coming into contact with H1N1 in spite of all precautions. Contact with H1N1 is not so much of a problem as proliferation is. 
While you are still healthy and not showing any symptoms of H1N1 infection, in order to prevent proliferation, aggravation of symptoms and development of secondary infections, some very simple steps, not fully highlighted in most official communications, can be practiced (instead of focusing on how to stock N95 or Tamiflu): 
    

1. Frequent hand-washing (well highlighted in all official communications).

2. "Hands-off-the-face" approach. Resist all temptations to touch any part of face (unless you want to eat, bathe or sleep).

3. *Gargle twice a day with warm salt water (use Listerine if you don't trust salt).*H1N1 takes 2-3 days after initial infection in the throat/ nasal cavity to proliferate and show characteristic symptoms. Simple gargling prevents proliferation. In a way, gargling with salt water has the same effect on a healthy individual that Tamiflu has on an infected one. Don't underestimate this simple, inexpensive and powerful preventative method.

4. Similar to 3 above, *clean your nostrils at least once every day with warm salt water. *Not everybody may be good at Jala Neti or Sutra Neti (very good Yoga asanas to clean nasal cavities), but *blowing the nose hard once a day and swabbing both nostrils with cotton buds dipped in warm salt water is very effective in bringing down viral population.*

5. *Boost your natural immunity with foods that are rich in Vitamin C (Amla and other citrus fruits) *If you have to supplement with Vitamin C tablets, make sure that it also has Zinc to boost absorption.

6. *Drink as much of warm liquids (tea, coffee, etc) as you can.  *Drinking warm liquids has the same effect as gargling, but in the reverse direction. They wash off proliferating viruses from the throat into the stomach where they cannot survive, proliferate or do any harm.

Barbara Whisenant    Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis 

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Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Germs Lurking in Your Washing Machine!

Today I was watching The Today Show. I was surprised to see a segment about how bacteria & germs are probably filling our washing machines.

Most of us do more cold water washing and few use bleach anymore.

This has created a breading ground for germs. 

Suggesting include:

1. Running an empty load every 2 to 3 times with 1 cup of bleach an cold water. (The hot water breaks down the bleach and doesn’t get hot enough to help.

2. Don’t wash our underwear with anything else.

Video from CBS News.

Watch CBS News Videos Online

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

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Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Short Sales – Should Only Be Listed By An Experienced Realtor®

Short Sales – Should Only Be Listed By Experienced Realtor®

1. Find out why most Real Estate agents do not have the skill set or team in place to get a short sale done.
2. In a well negotiated short sale the lender pays for the Realtor fees and the lender may absorb delinquent property taxes.  But, what about HOAs? 
3. If your Real Estate agent does not have someone in their office calling the lenders in a proactive manner your odds of success go down dramatically. Most realtors do not even have their own office. Short Sale negotiations are not for amateurs or part timers.  
4. Without experience negotiating short sales, how is your Realtor going to know when and how to counter an offer from a buyer, so that you are protected from the buyer and the lender?
5. Without experience, how is your Realtor going to know how to stack their short sale package so that it has the best shot at getting through the lenders screens?
6. Countrywide claims they get 100,000 faxes a day, Chase claims they get 1500 new short sale offers a day. Bank of America is getting overwhelmed. If your agent doesn’t  have the experience,  how do you know your offer will not sit on the bottom pile?  All the while the foreclosure countdown is ticking away.
7. We know how to get short sales done.
8. Find out why so many Realtors do not know how to price a short sale listing.
9. In short you need Realtor and an experienced short sale negotiator to make sure you have the proper legal Releases.
10. Does your Realtor have the experience to know when and how to push the lender for better short sale terms?  Did you know that many lenders are asking the sellers to contribute 10% or more of the deficiency to the closing? And some of the lenders releases do not release the seller from liability for the remaining loan balance?
11. Does your Realtor know how to sell homes in a down market?
12. Does your Realtor know what to do when the lender agrees to so a short sale on their terms, not yours?

If you have any questions or concerns, feel free to contact me.

Sincerely,

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

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Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Buyer’s and Short Sales

Buyer’s need to be educated as to how short sales work.  As agents, we need to do a better job educating our clients.

I’ve received many phone calls from buyer’s who are frustrated with the entire process and don’t understand why their offers are not being accepted. They think that their real estate agent is not doing a good job.

Buyer’s are always asking me why short sales take so long.

Currently in San Diego county, the number of available properties below $400,000 is very low. This is creating an environment of multiple offers, thus driving the accepted offer over asking price.

Once the seller has an accepted offer, the short sale package including the offer is faxed to the seller’s lender(s).  Many times the lender(s) use this time to start the stalling process. They will claim that the package never arrived and the listing agent will have to re-fax the package sometimes 3 or 4 times before the lender(s) acknowledge receipt of the package.  Each time the package is sent, the lender(s) will need up to 15 days for the package to be uploaded into their system.  This process can eat up more than 30 days.

Once the short sale package is acknowledged, it can then take more than 30 days for the file to be assigned to a loss mitigation negotiator.  So now we are more than 60 days and the negotiations haven’t even begun.

The loss mitigation negotiator is usually given 30 days before they need to get back to the listing agent.

In some institutions, the file is then sent to the investors for final approval.  So now, if everything go well, the process has already taken 90 days just to get the go ahead from the lender(s). 

When there are more than one lien against the property, all the times lines will be extended.

The short sale approval letter is specific to every buyer.  When you see a listing that says the listing has full lender approval that means that a specific buyer has received the approval letter but has cancelled the contract for some reason, usually they just got tired of waiting.

As a buyer, do not enter into a short sale transaction, unless you are willing to wait a long time.

All cash buyers do not receive any better service.  The lenders move in their own time frame.

There doesn’t seem to be any motivation for the lenders to move quickly.  They are institutions that have internal processes and do not work according to real estate purchase contract timelines.

If you have any questions or concerns, feel free to contact me.

Sincerely,

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

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Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Oceanside, CA Housing Data & Demographic September 2009

Housing data on Oceanside:

• Median list price for homes for sale is $327,500
• Median home value per square foot is $187
• 14.9% of listings have had at least one price cut

Demographic data on Oceanside:

• Median Age: 34

• Homes With Kids: 33%

• Average Commute Time: 29 minutes

 

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

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Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

Opportunity website: http://barbaraw.gpnworld.com/

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

What’s Happening in Vista, CA?

 

Vista Community Calendar

10/05 Teen Program - Project REACH 2:00pm

10/05 Redevelopment Project Area Committee Meeting 5:30pm

10/06 Latino Business Committee Meeting 7:30am

10/06 City Council Workshop Meeting 2:00pm

10/06 Teen Program - Project REACH 2:00pm

10/06 Breast Health Education Outreach English Speaking Support Group Meeting 5:30pm

10/06 Public Arts Commission Meeting 6:00pm

10/06 Planning Commission Meeting 7:00pm

10/07 Traffic Commission Meeting 8:30am

10/07 Teen Program - Project REACH 2:00pm

10/07 Wednesday Service 6:00pm

10/07 Wednesday Service 7:00pm

10/07 Wednesday Evening Worship Service 7:00pm

10/07 Wednesday Evening Service

10/08 Teen Program - Project REACH 2:00pm

10/08 Arthritis Clinic 4:00pm

10/08 Crime and Substance Abuse Prevention Commission Meeting 6:15pm

10/09 Teen Program - Project REACH 2:00pm

10/09 SMART® Recovery Support Group 7:00pm

10/10 Vista Farmers Market 7:45am

 

 

More Community Events in and

 

around Vista

 

Arts and Entertainment Calendar

10/05 Starf*cker (La Jolla) 8:30pm

10/06 Tuesday Live Music and Dance @ Joslyn Senior Center (Escondido) 1:00pm

10/06 Creditors (La Jolla) 7:30pm

10/07 Garden Arts and Crafts (Encinitas) 10:00am

10/07 RFBF (La Jolla) 7:00pm

10/07 Creditors (La Jolla) 7:30pm

10/07 Luciana Souza, Brazilian jazz vocalist (San Diego) 8:00pm

10/07 SOCAL SOUNDBYTES (La Jolla) 9:00pm

10/08 Showpark Fall Festival Horse Show (Del Mar) 8:00am

10/08 Plants, Wings and Crawly Things (Encinitas) 10:00am

10/08 So Cal Moviemakers (Encinitas) 6:30pm

10/08 Metronomy (La Jolla) 8:00pm

10/08 Creditors (La Jolla) 8:00pm

10/08 Groundation (Solana Beach) 9:00pm

10/09 Showpark Fall Festival Horse Show (Del Mar) 8:00am

10/09 Friday Fun (Encinitas) 10:00am

10/09 REO Speedwagon (Valley Center) 8:00pm

10/09 Creditors (La Jolla) 8:00pm

10/09 I'm Not Rappaport (San Diego) 8:00pm

10/09 THE LOFT PRESENTS DEAN AND BRITTA (La Jolla) 8:00pm

 

Compliments of AmericanTown.com

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

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Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

Opportunity website: http://barbaraw.gpnworld.com/

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Benefits for the Skin!

Clinical Study Results Show Pharmanex Tegreen 97 Benefits the Skin

Pharmanex is excited to announce that a two-year clinical study in the Dermatological Surgery Journal was recently published with results that show improved skin health when supplementing with 500mg of Pharmanex Tegreen 97 daily.  Key study results show reduced facial redness at 6 and 12 months, reduced solar damage at 6 months, and 47% of individuals within the Pharmanex Tegreen group had MODERATE OR GREATER IMPROVEMENTS IN PHOTOAGING at 24 months. *For additional study information please visit the Pharmanex Stanford Tegreen Study Information site.

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649  DRE# 01357594