Ready to Buy or Sell a home in Carlsbad, Oceanside, Encinitas, Rancho Santa Fe, or La Jolla? Save up to $500 if you use me to help you buy or sell.

 

Search online at http://www.homes4salesandiego.com

Financial Perks of Homeownership!

Now is the time to buy a home.  Prices are starting to rise and inventory is low.  Work with someone who has experience getting it done!

 

Barbara Whisenant

Solutions Real Estate

DRE# 01357594

“A referral is sending someone you care about, to someone you trust.”

Solutions Real Estate

6005 Hidden Valley Rd #280

Carlsbad, CA 92011

Cell: 760-583-2107

E-Fax: 760-496-1649

Email: barbarawhis@gmail.com

Website: http://www.Homes4SaleSanDiego.com

 

Carlsbad

Aviara, Bella Lago, Cantata, Seaside, Isla Mar, Mar Fiore, Bay Collection, Chesapea, Ezan, La Costa Oaks, La Costa Ridge, Arroyo Vista, La Costa Estates, La Costa Greens, Tiburon, Tiburon, Saddle Ridge, The Estates In Rancho Carrillo, Rancho Carrillo, Magnolia Estates, Bressi Ranch, The Ranch, Seaside Estates, Emerald Pointe Estates, San Sebastian, The Beach, Spinnaker Hill, Olde Carlsbad, Spyglass, Carlsbad Village By The Sea, Carlsbad Highlands, Terramar, Palisades, Hanover Beach Colony, Beach, Carlsbad North, Carlsbad South, Carlsbad West, Carlsbad East, Old Carlsbad, San Sebastian, San Pacifico, Emerald Pointe Estates, Aviara Point, La Costa, Halcyon Estates, Shelbourne, Balearas, Crescent Del Sol Estates, Agua Hedionda Lagoon, Evans Point, Blue Lagoon Estates, Hidden Ridge, Hillgate Estates, Telescope Point, Carlsbad Highland, Canterbury, Brentwood Heights, Evans Point, Wind Song, Windsong, Brentwood Heights, Telescope Point, Capri, Colinas De Oro, Rancho Ponderosa, Solterra At La Costa, Rockledge At La Costa, Corona La Costa, Greystone On The Park, Ponderosa, Solterra, Tradicions La Costa, Tradicions, La Costa Knolls, Copperwood, Sonata, The Fairways, Calavera Hills, Sunny Creek Terraces, Foothills, Rock Rose, Montara, Spinnaker Point, Pacific Estates, Seaport, The Cave, Harbor Pointe, Harbor Pointe, Rosalena, Avocet, Waters End, Poinsettia Cove

Rancho Santa Fe

Rancho Santa Fe, Covenant, Montecito, Del Rayo Downs, Del Rayo, Hacienda Santa Fe, Cielo, Whispering Palms, Rancho Del Rio, Santa Fe Sur, The Groves, Rancho Diegueno Estates, Fairbanks Ranch, South Pointe Farms, Santa Fe Sur, East Del Mar, Sun Valley, Rsf Lakes, Rancho Santa Fe Lakes, Loma Del Cielo, Morgan, Villas At The Bridges, Villas, The Bridges

Encinitas

Encinitas Ranch, Quail Gardens, Palomares Heights, Maravu, Crest Acres, Encinitas Highlands, Palomares Heights Annex, Sandalwood, South Coast Park, Neptune, Olde Leucadia, Leucadia, Avocado Acres, Pacific Crest, Nantucket, Passiflora Acres, Villa Olivenhain. Olivenhain, Halcyon Estates, Beachwalk Estates, Beacons, Olive Crest, San Elijo Ranch, Windsor Estates, Country Rose, Knightsbridge, Morning Sun Ranch, Copper Creek Estates, Dove Hollow, Double Ll Ranch, Moonlight Beach, Bryans Addition, New Villanitas, Summerfield, Cantebria, Skyloft, Vida Pacifica, Northview, Bay Laurel, Fox Point, Morning Sun

Solana Beach

Solana Beach, Loma Del Cielo, Santa Fe Hills, San Elijo Hills, Olde Solana Beach, Olde Solana, Sanctuary, Isla Verde, Isla Verde, Midori, Sweeping White Water, Cedros Design

San Marcos

Varadero, Lake San Marcos, Twin Oaks Valley, Laurels, Discovery Hills, San Elijo Hills, Acacia, Stone Canyon, Mariner's Landing, Buenavida, Sonrisa, Stoneridge Park, The Laurels, Windsor Rose, Buenavida, Stonebrook, Terraza, Falcon Ridge, Hampton Hills, Terraza, Rancho Dorado, Old Creek Ranch, Atherton, Blue Ridge Estates, Venzano, Coronado Hills, Promontory Ridge, Esperanza

Oceanside

Bryans Addition, Ocean Views, The Beach, South Oceanside, S Oceanside, Saint Malo Beach, Morning Sun, Sea Breeze Cottages, Sea Breeze, The Cottages, Buena Vista Highlands, Vista Pacifica, Henie Hills, Ridgeview, Ocean Hills, So Oro, Panorama Ridge, Arrowood, Morro Hills Village, Wilmont Ranch, The Heartlands, Windham, The Heartland, Ivy Ranch, The Heartland, The Missions, Breakaway, Buckingham, Guajome Lake,  Ridge Trails, Spinnaker Ridge, Summit, Rancho Del Oro

Navigating Short Sales: What to Do When the Sale Price Leaves You Short

If you're thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it.

1. Consider loan modification first. If you are thinking of selling your home because of financial difficulties and you anticipate a short sale, first contact your lender to see if it has any programs to help you stay in your home. Your lender may agree to a modification such as:

· Refinancing your loan at a lower interest rate

· Providing a different payment plan to help you get caught up

· Providing a forbearance period if your situation is temporary

When a loan modification still isn’t enough to relieve your financial problems, a short sale could be your best option if

· Your property is worth less than the total mortgage you owe on it.

· You have a financial hardship, such as a job loss or major medical bills.

· You have contacted your lender and it is willing to entertain a short sale.

2. Hire a qualified team. The first step to a short sale is to hire a qualified real estate professional* and a real estate attorney who specialize in short sales. Interview at least three candidates for each and look for prior short-sale experience. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with those who demonstrate a thorough working knowledge of the short-sale process and who won't try to take advantage of your situation or pressure you to do something that isn't in your best interest.

A qualified real estate professional can:

· Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).

· Help you set an appropriate listing price for your home, market the home, and get it sold.

· Put special language in the MLS that indicates your home is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).

· Ease the process of working with your lender or lenders.

· Negotiate the contract with the buyers.

· Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can’t sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.

3. Begin gathering documentation before any offers come in. Your lender will give you a list of documents it requires to consider a short sale. The short-sale “package” that accompanies any offer typically must include

· A hardship letter detailing your financial situation and why you need the short sale

· A copy of the purchase contract and listing agreement

· Proof of your income and assets

· Copies of your federal income tax returns for the past two years

4. Prepare buyers for a lengthy waiting period. Even if you're well organized and have all the documents in place, be prepared for a long process. Waiting for your lender’s review of the short-sale package can take several weeks to months. Some experts say:

· If you have only one mortgage, the review can take about two months.

· With a first and second mortgage with the same lender, the review can take about three months.

· With two or more mortgages with different lenders, it can take four months or longer.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

Sincerely,

Barbara Whisenant

Click Here for the Latest in San Diego County Real Estate Statistics     

Click Here for this Month’s Newsletter

Richard Realty Groups, Inc.    Barbara Whisenant    DRE# 01357594

Southern California Associate Top Producer

   

“A referral is sending someone you care about, to someone you trust.”

Cell: 760-583-2107     E-Fax: 760-496-1649

Email: barbarawhis@gmail.com

Website: http://www.Homes4SaleSanDiego.com

Foreclosure Information: Click Here

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Appealing Your Property Tax Bill

Appealing Your Property Tax Bill

If your San Diego County property tax is aligned with or assessed based on the value of your home, a swing in property values could warrant close scrutiny of your property tax bill.

Some more progressive tax jurisdictions will make the adjustment for you -- up or down -- but most only move your rate up or they'll wait for the property to change hands before adjusting the tax.

Even where adjustments are automatic, you still may not be satisfied and will need to appeal the deal.

Over valued or over assessed property is perhaps the most common and successful grounds for challenging your tax bill.

When the economy is faltering and spawning foreclosures, short sales and homeowners otherwise bailing out of homeownership, consider it a red flag -- it's time to scrutinize your property tax bill.

Many homeowners bailout, accept the foreclosure or take the short sale way out because their mortgage is more than the value of the home, which may have fallen for a variety of reasons.

The incidence of incorrectly calculated property tax bills may also warrant a close inspection of your property tax bill or an appeal.

Many errors in calculating your property tax bill also stem from clerical mistakes according to the American Homeowners Association (AHA) which, along with the National Taxpayers Union, offers a low-cost kit to help you check our property tax's accuracy and, if necessary, attempt to lower your levy.

Visit the San Diego County Tax Assessors office  (http://arcc.co.san-diego.ca.us/default.aspx) and download the form “Application for Changed Assessment”.  Call me and I will send you the comparables you will need to complete the form.

Tell-tale signs your property tax could warrant an adjustment include:

• Errors in the description of your property on the tax bill.
• Compatible homes in the area that have sold for less than your appraised value.
• Neighbors with lower assessments on similar houses. Keep in mind some homes retain the same assessed value for years and assessed values often don't rise or fall in step with market values or home sale prices.
• Value reducers in your home or area, including drainage problems, easements, re-zoning, heavy traffic, nearby railroad tracks, freeways, industry or toxic waste.
• Depreciation factors, including the quality of materials, inefficient heating, structural cracks, deterioration, or chronic defects.

When you examine your tax records in the local assessor's or property tax office to make sure the information is complete and accurate also ask yourself:

• Did you buy your home in a bidding war? An overvalued property is an over assessed property.
• Are there errors in your tax records? Look closely at your records and make sure there aren't reporting errors. A condo listed as a single-family home, square footage that's off, too many rooms and more can falsely boost assessed value.
• Do the math. Many states put a cap on how much above the market value an assessment can be and how much it can rise each year.

If you need to appeal the assessed value and related property tax, prepare yourself for a time-consuming ordeal.

In most cases the process is free for taxpayers, but you may want to enlist the aid of a licensed professional to assist you.

Typically, you'll have to find three, five or more comparable homes in your neighborhood that have lower assessments. Obviously, the lower the better. Also, the more comparables, the stronger your case. Truly comparable homes are homes nearly identical to your home's floor plan, age, lot size, improvements and other factors.

The information is largely public and available, with some digging, from your tax assessor's or property tax office, but you can hire a real estate agent or other professional with access to your local multiple listing service. They can quickly generate a comparable market analysis of homes both recently sold and those in escrow to hone in on your home's true value.

An appraiser with multiple listing service access can do the same, as well as perform an appraisal of your home.

If you hire a professional you could be out a few hundred dollars. Don't make a case if you don't think it's worth the cost to appeal. Call me and I will send you the comparables you will need to complete the form.

Approach the appeal objectively, not with an adversarial chip on your shoulder. You only want your due, not to incite the property tax system.

If at first you don't succeed, be prepared to appeal to a higher authority.
Written by Broderick Perkins

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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

New Government Subsidized Home Alternative Program. Is it For You?

 

Well we’ve received yet anther government program to help people with distressed homes that comes with detailed instruction about how the lenders are suppose to attend to these types of homeowners.

If this program sounds like it would benefit you or someone you know, please have them give me a call. We can work through the terrible stressful time together.

Working the the North San Diego area has given me the rare opportunity to see for myself the destruction that many of our communities has endured. Oceanside has been of the the hardest hit communities in North County.  The more expensive communities thought they would escape the tragedy, but that was not to me. We are seeing foreclosures in all the communities from Del Mar and La Jolla to Rancho Santa Fe, Encinitas & Carlsbad.

If you need help to just talk it through, a sounding board to get it off your chest, or someone skilled in handling these types of transaction, please give me a call 760.583.2107 or e-mail me barbarawhis@cox.net.

What is HAFA?
HAFA is a government-subsidized Home Affordable Foreclosure Alternatives program for distressed homeowners to sell their homes to avoid foreclosure, even if the sales price is not enough to pay off their existing mortgage loans. Under HAFA, a participating lender will pre-approve the terms of a short sale and give the borrower at least 4 months to market and sell the property using a licensed real estate professional.

Eligibility
The eligibility requirements for a HAFA short sale include the following:
• Property must be borrower’s principal residence;
• Loan must be a first trust deed originated before 2009;
• Loan must be delinquent or default must be reasonably foreseeable;
• Current unpaid principal balance must be $729,750 or less for single-family home (or higher amounts for 2-to-4 units); and
• Borrower must be eligible for, but unable to complete, a loan modification under the Home Affordable Modification Program (HAMP).

 

Home Affordable Foreclosure Alternative Programs, Guidelines

Financial Incentives

• The government incentives under HAFA are as follows
• $3,000 to borrower for relocation expenses;
• $1,500 to servicer for each successful short sale; and

• $1 to investor for every $2 paid to extinguish junior liens, up to $2,000 maximum, not to exceed 6% of unpaid balance.

Effective Dates
April 5, 2010 to Dec. 31, 2012.

HAFA Procedures
The general standardized procedures for HAFA short sales are as follows:
Step 1: Lender evaluates borrower for a loan modification under HAMP.
Step 2: Lender evaluates borrower unable to complete HAMP modification for short sale.
Step 3: Lender issues Short Sale Agreement (HAFA SSA).
Step 4: Borrower lists the property for sale using a licensed real estate agent.
Step 5: Borrower and agent market and sell the property.
Step 6: Borrower submits to lender a Request for Approval of Short Sale (RASS).
Step 7: Lender approves RASS within 10 business days.
Step 8: Sale closes escrow.

Lender's Evaluation
Each participating lender will have its own written policy for approving or rejecting a HAFA short sale, based on factors such as the severity of the loss, market conditions, the borrower’s motivation and cooperation, property valuation, and title review.

Short Sale Agreement (HAFA SSA)
The Short Sale Agreement (HAFA SSA) will include, among other things, the following:
• Either a list price or net proceeds acceptable to the lender;
• An agreement to fully release borrower from all liability for repayment of the loan;
• An agreement not to complete a foreclosure sale if borrower complies with SSA;
• Amount of acceptable closing costs and up to 6% real estate commission.
• Notice that the sale must be an arm’s length transaction; and
• Notice that the buyer must agree not to resell the property within 90 days of closing.

Tax, Credit, and Other Consequences
A HAFA short sale may have serious tax, credit, financial, legal, and other consequences.  A homeowner is strongly encouraged to seek the advice of a qualified professional regarding these consequences.

Participating Lenders
A list of lenders participating in the HAMP program is available at http://makinghomeaffordable.gov/contact_servicer.html. Fannie Mae and Freddie Mac have their own HAFA guidelines for their loans.

More Information
http://makinghomeaffordable.gov/hafa.html.  
See also, Supplemental Directive 09-09 dated March 26, 2010 available at
https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf.

This chart is just one of the many legal publications and services offered by C.A.R. to its members.  For a complete listing of C.A.R.'s legal products and services, please visit www.car.org.

Barbara Whisenant

Your Friend in the Business

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

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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!

Barbara Whisenant Realty Group, 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

Homebuyer Tax Credits is About to Come to an End!

 

 

$18,000 IN COMBINED HOMEBUYER TAX CREDITS

 

FOR A LIMITED TIME

Californians have a brief window of opportunity to receive up to $18,000 in combined federal and state homebuyer tax credits.  To take advantage of both tax credits, a first-time homebuyer 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 homebuyers may use the same timeframes 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 homebuyer 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 homebuyer may receive up to $10,000 in tax credits as a first-time homebuyer 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.

Setup your own home search at Barbara’s Web 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

Home Buyer Tips

Here’s a whirlwind tour of the most important tips I can give you for buying a home.

First, get pre-approved for your loan so you know what you can afford.

Second, start driving around different neighborhoods to find the ones you’d like to live in.

Third, investigate those areas by checking the crime rate at the police station and checking the school district zoning.

Fourth, avoid major purchases, like a car. It will show up negatively on your credit report.

Fifth, don’t open any new credit cards. And never close credit card accounts. These show up on your credit report, too.

Sixth, when you close the transaction, you’ll be overwhelmed with paperwork. It’s your duty to read all the documents you sign. It could take several hours, but you need to know what you’re signing.

If you’re ready to make your home ownership dreams a reality, give me a call and well get started today.

Short Sale is Deceptive.

The term Short Sale is deceptive, because they actually take a really long time. But if you’re willing to be patient and trust the process, we can almost always close the transaction for you.

I’m going to give you a few critical pieces of information in this video to help you avoid pitfalls in the Short Sale process.

I’ll start with a few words of caution to Sellers.

First, not all lenders will accept a short sale, so this may not be an option for you. But I will be happy to speak with your lender to see if this is a possibility for you.

Second, just because you’re upside down does not mean you’ll qualify. You must have a hardship, like loss of job, illness, divorce, death, or job transfer.

Third, I highly recommend that you speak with a lawyer and a CPA before starting this process. Here’s one reason why. When you got your loan, your lender may have filled in misleading information about you that. For instance, if they stated that you were making more money than you were actually making, you could be charged with fraud.

Now, if you can clear all these hurdles, then here’s the good news:   We can usually close the deal for you, and if you have a property under four hundred and fifty thousand dollars in good condition, you will get multiple offers.

The other good news is that if you can complete a short sale, the impact on your credit will be much less than a foreclosure.

For buyers, there are less hurdles to clear. But patience is still the name of the game. If you need to be in a house in 30 days, short sales are not for you. The process of buying a short sale takes six months on average, compared to 30-60 days for a traditional sale. Buyers have submitted up to 10 offers before one is accepted. So buyers have to be flexible and not get your heart set on any one house. Tell yourself that you’ll take the first offer that’s approved by the lender.

Last year one third of all short sales didn’t go through. That’s because this process is unfamiliar to many realtors and they weren’t prepared for the follow-through that’s required on these transactions. I’ve found that my persistent follow through with lenders enables me to close 99% of all my short sale transactions.

So if you have the patience, give me a call, and well get started on your Short Sale today.

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

12 Reasons to List Your Home For Sale During the Holidays

If you need to sell you home, the holidays could be the best time to sell.

Below are several reasons why the holidays are a great time to list your home.

1. There is Less Competition for Buyers.

2. Winter Prospects are More Serious Buyers.

3. Your Home Looks Better During the Holidays.

4. One of the Highest Percentages of “Listings Sold” to “Listings Taken” Occurs During This Time of Year.

5. You May Receive More Money for Your Home Now—Because You Have Less Competition.

6. Throughout the Holiday Season, You May Restrict Showings During Your Personal Family Events

7. Buyers Have More Time to Look at Homes During Holidays, Especially During Vacations.

8. January is Traditionally the Biggest Transfer Month—and You Must be on the Market to Capture That.

9. By Selling Now, You Can Have a Delayed Closing or Extended Occupancy Until the Beginning of the Following Year if You Want.

10. When You Sell During the Winter, You Have an Opportunity to Buy During the Spring, When Many Homes are on the Market.

11. You May Have Fewer Actual Showings, but More Qualified and Motivated Prospects.

12. Corporate Transferees, Who Need to Buy a Home Now, Can’t Wait Until Spring.

Call me today for more information.

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

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

Update All Your Phone Numbers or They Will Stop Working.

 

 

California 760 / 442 Area Code Split Information

To ensure a continuing supply of telephone numbers, the 442 area code will be added to the area served by 760. Get ready to change the way you place your calls!

• Who Will be Affected?
• What is an Area Code Overlay?
• What Will be the New Calling Procedure?
• When Will the Change Begin?
• What Will I Need to Do?
• What Will Remain the Same?
• Map of the Affected Area

Who Will be Affected?

All customers with a 760 number will have to change the way they place a call. The new 442 area code will serve customers in the same geographic region as the current 760 area code, which extends from Bridgeport in the north, south to the Mexican border, Camp Pendleton on the west, and east to the state line.

What is an Area Code Overlay?

An overlay is the addition of another area code (442) to the same geographic region as an existing area code (760). An overlay does not require customers to change their existing area code or phone number.

 

What Will be the New Calling Procedure?

To complete calls from a landline phone, the new procedure requires callers to enter 1 + area code + telephone number. This means that all calls in the 760 area code that currently use seven digits will need to be placed using 1+ area code + telephone number. To complete calls from a cellular or mobile phone, callers may enter the area code + telephone number or 1 + area code + telephone number whenever placing a call to a phone number with the 760 or 442 area code.

When Will the Change Begin?

Beginning May 2, 2009, you should begin using the new procedure whenever you place a call from the 760 area code. If you forget and use the old procedure of using just seven digits, your call will still be completed.

Beginning October 24, 2009, you must use the new procedure for all calls. If you do not use the new procedure, your call will not be completed, and a recording will instruct you to hang up and call again.

Beginning November 21, 2009, new telephone lines or services may be assigned numbers with the 442 area code.

What Will I Need to Do?

In addition to changing your calling procedure, all services, automatic calling equipment, or other types of equipment that are programmed with a 7-digit telephone number will need to be reprogrammed to use the new calling procedure. Some examples are life safety systems, fax machines, Internet phone numbers, alarm and security systems, gates, speed callers, mobile phone contact lists, call forwarding settings, voicemail services, and similar functions. Be sure to check your business stationery, advertising materials, personal checks, and your personal or pet ID tags to ensure the area code is included.

What Will Remain the Same?

• Your telephone number, including current area code, will not change.
• The price of a call, coverage area, or other rates and services will not change due to the overlay.
• What is a local call now will remain a local call regardless of the number of digits entered.
• You can still enter just three digits to reach 911, as well as 211, 311, 411, 511, 611, 711 and 811

Map does not include all communities in the 760/442 area codes.

Access the following websites for more information: www.cpuc.ca.gov/760areacode

 

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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

Why Can’t a Woman Get Good Customer Service?

I went to buy a new Toyota this week.  What an ordeal…

I have already gone to the credit union and have my loan in place.

I’ve researched the prices, accessories and was ready, willing and able to purchase a vehicle now.

1. Went to dealer ship and walked the entire lot.

2 I opened doors and was sitting in several auto’s.

3. Looked at the Prius and the Camry Hybrid.

4. Waited and waited and waited for someone to come and offer to help me purchase an auto.

5. I finally walked into the showroom. Two guys laid back sitting at the desk shooting the breeze, “Can I help you?”  “Well, yes. I’m here to buy a car.”  “Oh, I’ll find someone to help you.”

6. Told him which one I wanted and the only extra I wanted was the Bluetooth capability.

7. He brings me over the full price invoice for me to sign….. “Woo, we haven’t talked price yet” I said. Shocked, he tells me that with the government rebate Cash for Clunkers, the dealers no longer have to make deals!

8. Well, I’ve researched the price on the internet and I’m willing to pay $24,000.

9. Back and forth, back and forth, back and forth. (I had already told him, I wasn’t going to play that game.)  We finally came to an agreement and shook hands on it.

10. Gathering all the booklets and keys to give to me. He comes back with, Oh, Barbara, that rebate is for the 2009 not the 2010. Let me see if I have a 2009. 

11.  He had a black one. I don’t want a black car!

12. I left the dealer ship and told him I might be back when they are willing to deal.

Where has customer service gone? I can't believe that a company would let a buyer who was perfectly ready and willing to buy walk out without a contract.

This same kind of thing happens to me when I go alone to electronic, computer, appliance stores & restaurants. When I take a male with me it is always different story. 

I would think that a store that caters to women would  be very welcome and would be a gold mine. I know I’m not alone in my frustration!!

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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

Why Can’t a Woman Get Good Customer Service?

 

I went to buy a new Toyota this week.  What an ordeal…

I have already gone to the credit union and have my loan in place.

I’ve researched the prices, accessories and was ready, willing and able to purchase a vehicle now.

1. Went to dealer ship and walked the entire lot.

2 I opened doors and was sitting in several auto’s.

3. Looked at the Prius and the Camry Hybrid.

4. Waited and waited and waited for someone to come and offer to help me purchase an auto.

5. I finally walked into the showroom. Two guys laid back sitting at the desk shooting the breeze, “Can I help you?”  “Well, yes. I’m here to buy a car.”  “Oh, I’ll find someone to help you.”

6. Told him which one I wanted and the only extra I wanted was the Bluetooth capability.

7. He brings me over the full price invoice for me to sign….. “Woo, we haven’t talked price yet” I said. Shocked, he tells me that with the government rebate Cash for Clunkers, the dealers no longer have to make deals!

8. Well, I’ve researched the price on the internet and I’m willing to pay $24,000.

9. Back and forth, back and forth, back and forth. (I had already told him, I wasn’t going to play that game.)  We finally came to an agreement and shook hands on it.

10. Gathering all the booklets and keys to give to me. He comes back with, Oh, Barbara, that rebate is for the 2009 not the 2010. Let me see if I have a 2009. 

11.  He had a black one. I don’t want a black car!

12. I left the dealer ship and told him I might be back when they are willing to deal. 

 

Where has customer service gone? I can't believe that a company would let a buyer who was perfectly ready and willing to buy walk out without a contract.

This same kind of thing happens to me when I go alone to electronic, computer, appliance stores & restaurants. When I take a male with me it is always different story. 

I would think that a store that caters to women would  be very welcome and would be a gold mine. I know I’m not alone in my frustration!!

 

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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