Information for Better Living

 

Welcome to houselogic. Take a few minutes to look around. You will find lots of really good information.

Call me with any of you Real Estate needs.

Click on any of the images below to learn more:

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

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

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!

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

Need Help With Anything Around Your House? Think Military

When I needed to move from one house to another, I went to a wonderful website where I was able to hire military men or women who were looking for a part-time job. It was a wonderful experience and I've highly recommended this website to many others.

I posted an ad that stated that I needed help moving furniture and boxes. I stated what I was willing to pay and when I needed the help. My phone started ringing off the hook. I interviewed several and I hired 4 wonderful young men. They all had already been to Iraq and back.

These young men loaded the truck, drove to the new house, and unloaded the truck, putting everything together and where I wanted it. All in under 4 hours. I never had such a smooth move!

I fed them pizza and soda. Yea I know, but I didn't know how old they were.

You can inquire about all types of trades and experiences. The website appears to be available in almost every state for both full time and part-time jobs.

Please, next time you need a job done around your house, think HirePatroits.com.
Go to http://www.hirepatriots.com/ You won't be sorry!

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

Feed The Children – Haiti - Vitameal

 

l By February 22, 2010,  I have made a personal commitment to feed 500 children affected by the devastating earthquake in Haiti.

As you know, I am very passionate about bringing relief to the hungry and suffering children of the world. I have found a very effective way to accomplish this goal. Through Nourish the Children, we do not just feed a starving child, we provide them a specially designed, delicious hot meal that contains all of the essential vitamins and minerals that this deserving child needs to heal the ravaging effects of starvation!

We work hand in hand with Feed The Children, one of the world's most effective humanitarian agencies. Because of the infrastructure that they have in place, (unlike most other food relief organizations), Feed The Children has been given access to a US military transport plane. As of Monday January 18^th, Feed The Children has already pulled 2.5 tons of VitaMeal from their Haiti clinic and distributed it to victims. (About 60,000 meals)

FTC has deployed two Feed The Children employees that will oversee the safe feeding of these children. Four thousand more VitaMeal bags are on their way (120,000 meals) and Nu Skin Enterprises has ordered the manufacturing of 20,000 additional VitaMeal bags destined for the children of Haiti!

I am writing you to see if you would consider “adopting” some of these children left homeless and in many cases parentless and alone, due to this devastating earthquake. Each bag will provide a hot nourishing meal for 30 children. $22 feeds 30 children, $44 feeds 60 children and $110 will feed 150 children. With such a generous heartfelt act, Nu Skin Enterprise will thank you by feeding an additional 30 children on your behalf!

This is your chance to reach out to the children of Haiti in a way that is SECURE, and really matters. Your bag is guaranteed to arrive safely and quickly into the hands of one of these desperate children. If you have a desire to reach out and help, PLEASE look at my website at http://barbaraw.millionsofmeals.com IMMEDIATELY.

My goal is to find loving hearts that will commit to sending one of these 20,000 VitaMeal bags today! In these hard times I find it hard to ask, but the suffering that these children are experiencing is far more devastating than anything we can imagine.

If you would like to make a difference in Haiti, PLEASE LET ME KNOW IMMEDIATLY!

You can either make a one time contribution, in multiples of $22, or - please consider continuing to feed the child you have “adopted”, each and every month?

If you would prefer to purchase VitaMeal for donation online, at my secure site please visit http://barbaraw.millionsofmeals.com/. Here you can place your order for VitaMeal with credit card or debit card by clicking on the donation tab.

We have all the reason in the world to implement this challenge.

The reports of devastation and hunger coming from Haiti are some of the worst we have ever seen.

You can also help by passing this information along to people you know who would like to make a difference in these children's lives. The children of Haiti thank you!

Blessings,

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!

Wild Fire Season is Upon Us Again!

 

Attention San Diego County!!      Fire season is upon us once again.

Many lives have been saved because of the reverse 911 emergency system in San Diego county.

I know that many people have cancelled their land line telephones to save money. 

The problem is, many of those people had registered their land line for the reverse 911 emergency system. If you have cancelled your land line and not registered your cell phone, you will not be notified via the reverse 911 telephone system.

Be sure to go to this website and register your cell phone for emergency notifications.  AlertSanDiego

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: 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

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

Iron Out Your Wrinkles

 

I just discovered the most remarkable product!  I’m so excited about what this little spa can do. 

In just 10 minutes, your skin will under-go a remarkable transformation.

Click the link below to see unbelievable, untouched pictures of people who have used the spa. 

http://www.nsevideos.com/

I was just blown away with the results.  I bought one and I’m loving it!!

Feel free to visit my website for more information about this product or schedule a free demonstration.

 

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.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!

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

Team Women Breakfast Mixer! August 10th 9am

It’s a Team Women Breakfast Mixer! Hey Ladies!! Team Women Carlsbad is having a Breakfast Mixer and we would love for you to join us! Our chapter meets every other Monday morning at 9am for networking, referral sharing, a few laughs, and lot's of wonderful support. We have a great group of smart, hard working, engaging ladies and we would love for you to come check out our group and join in the fun. Please RSVP on our Team Women Carlsbad event site (you’ll find the Mixer under events along with our bi-weekly meeting schedule) as soon as you can, We need to give the great people at The Q Restaurant a head count. See you: Monday August 10th! 9 am - 10:30 am The Q Restaurant 2725 Vista Way Oceanside, CA 92054 (760) 757-7070 Bridget Ayers , Coordinator Team Women Carlsbad Visit your Network's Official Website. Please contact me if I may be of further assistance. 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 A Division of Richard Realty Groups, Inc 6986 El Camino Real, Ste. H, Carlsbad, CA. 92009 Cell: (760) 583-2107 eFax: (760) 496-1649 DRE# 01357594 Check out the list below for the core professions that Team Women are looking for! A Accountant, Accounting Software, Acupuncture, Advertising - Print, Advertising Specialties (Promotional Products), Air conditioning/Heating, Appraiser, Architect, Artist, Assisted Living Home Manager, Attorney – Business, Attorney - Copyright/Trademark, Attorney - Family Law, Attorney - International, Attorney - Real Estate, Attorney - Tax, Attorney - Transactional,Attorney – Trust & Probate, Audits - Reviews & Financial Consulting, Auto Detailer, Auto Rentals, Auto Sales, Automotive Fleet Buying, Auto Repair B Bakery, Bankcard/Merchant Services, Banker, Barber, Bartender, Beauty Supplies, Bookkeeper, Building Contractor, Business Equipment C Candle Sales, Carpet cleaning, Carpet Installation, Catering, Certified Public Accountant, Certified Rolfer, Chef, Child & School Advocate, Childcare/Babysitter, Chiropractor, Closet Designer, Clothing, Coach - Executive, Coach - Life, Coach - Marketing, Coach - Speech, Coach - Weight Loss, Coffee Services, College Consultant, Commercial Banking, Commercial Printing, Computer Consultant/Software Developer, Copy Center, Corporate Gifts/Gift Baskets, Corporate Trainer, Cosmetics & Make Up D Dental Hygienist, Dentist, Direct Mail Marketing, Disc Jockey, Dog Trainer, Dog Walker, Driver, Dry Cleaners E Electrician, Entertainment, Escrow Officer, Esthetician, Event Planner, Event Speaker, Executive Recruiter F Feng Shui Consultant, Floor & Window Covering, Foreign Language Teacher, Furniture Rental, Furniture Upholsterer G Gardner, Gift Baskets, Grant Writer, Graphic Artist, Gymnastics Instructor H Hair stylist, Handyperson, Hard Disk Crash Recovery, Headhunter, Health Care Organization, Healthy Food Delivery, Home Inspector, Home Remodeling, Home Staging Professional, Housekeeper, Housepainter, House sitter I Image/Color Consultant, In-Home Care Nurse, Innkeeper, Insurance - Home/Auto, Insurance - Property/Casualty, International Conference Coordinator, Internet Marketing Expert, Interior design J Jewelry - Fine K Fine Kitchen Tools Consultant L Landscaper M Makeup Artist, Management Consulting & Strategic Business Planning, Manicurist/Pedicurist, Marketing & Graphic Design, Marketing - workshops and seminars, Marriage Counselor, Massage Therapist, Meal Assembly, Midwife, Minister/Clergy, Money Manager, Mortgage Lender, Mortician, Mover, Music Teacher N Notary/fingerprinting, Nutritional Supplements, Nutritionist O Obstetrician, Online Party Expert, Optometrist P Painter, Payroll Company, Permanent Make-Up, Personal Assistant, Personal Chef, Personal Fitness Training, Personal Shopper, Pest & Termite Control, Pet Sitter, Personal Concierge/Errands, Personal Shopper, Physical Therapist, Photographer - Commercial, Photographer - Portrait, Physician, Piano Teacher, Plant Service, Plastic Surgeon, Plumber, Pool contractor, Prepaid Legal Services, Primary Care Physician, Printer, Printer Cartridges & Repair, Private Detective, Professional Gift Service, Professional Organizer, Professional Writer, Promotional Products/Clothing, Property Manager, Psychic, Psychologist, Psychiatrist Q Quilter R Real Estate Appraiser, Realtor - commercial, , Reiki Master, Roofing S Seamstress/Tailor, Shoe Repair, Sign Language Interpreter, Speech Therapist, Spiritual Advisor/Clergy, Staffing Specialist, Stockbroker, Supplemental Insurance T Tarot Reader, Teambuilding, Time Management Consultant, Title Insurance, Training / Developmental, Training – Management, Training – Technical, Translator, Travel Agent, Tutor V Veterinarian, Video Production, Violin Teacher, Virtual Assistant, Voice Teacher, Vintner W Weaver, Wedding Cakes, Wedding Consultant, Web Design & Hosting, Wedding Consultant, Web Designer, Window Treatments, Y Yodeler, Yoga Instructor Z Zen Teacher