Archive for the ‘General’ Category

Bank of America Settles Largest Data Theft Lawsuit

Add a comment

Photo of Bank of America ATM Machine by Brian ...

Image via Wikipedia

A now former employee of Countrywide had downloaded millions of files of consumers and sold that private information to the employees of other lenders to be used as sales leads.

The alleged thief was caught back in 2008 and his trial begins on Oct 19th of this year, and he is currently free on bond while waiting for his trial.

There were possibly 15-17 million consumers that were at risk from this crime and Bank of America, which bought Countrywide back in 2008, is now offering free credit monitoring for two years to all those consumers that had provided personal and private  information to Countrywide before July 1, 2008, or who had a mortgage loan service by Countrywide before that date as well.

I don’t know what affect this settlement will have on the current real estate market, but Bank of America has been more quickly to respond to a couple of my Short Sales of homes for sale in Stockton and Lodi, CA recently.  Perhaps they realized they’d make more money on the short sale rather than letting the home go into foreclosure.

If you’d like to get more information on this and even file a claim for the free credit monitoring you can call (866) 940-3612, or visit their website at www.CWdataClaims.com.

Enhanced by Zemanta

10 Tips to Conserve Water

Add a comment

Clean drinking water...not self-evident for ev...

Image via Wikipedia

I came across a good article by Stephanie Andre and posted by RISMEDIA yesterday that hits on a subject that we’ve all heard and read about many times in the last few years…water conservation.

Summer is nearing the end soon and here are some tips that we can all adhere to in order to use/consume less water and do our part to make a difference.

1. Water your lawn only when it needs it. An easy test to tell if your lawn needs water is to simply walk across the grass. If you leave footprints, it’s time to water. (An added benefit of watering less often is that fewer, deep-soaking waterings encourage deep root growth and stronger turf.)

2. Water in the early morning. As much as 30 percent of water can be lost to evaporation by watering during midday.

3. Set your lawn mower one notch higher to make your lawn more drought-tolerant.
4. Use drip irrigation hoses to water plants, and water in the early morning or evening.

5. Use a broom instead of a hose to clean your sidewalk, driveway, or patio.

6. Forego the hose and wash your car with a bucket and sponge instead. According to EPA WaterSense, a hose left running can waste as much as six gallons per minute while a bucket and sponge uses only a few gallons to do the job.
7. Keep a bottle of cold tap water in the refrigerator. You’ll avoid the cost and environmental impact of bottled water and you’ll have cold water available in the summer without running the faucet.

8. Run dishwashers and clothes washers only when they are full. If you have a water-saver cycle, use it.

9. Adjust the water level of your clothes washer, so that it matches your load size.

10. Regularly check your toilet, faucets and pipes for leaks and have them fixed promptly. An easy test for toilet leaks from EPA WaterSense: Place a drop of food coloring in the tank. If the color tints the water in the bowl without flushing, there’s a leak. Check your water meter before and after a two-hour period when no water is being used. If the meter changes at all, you probably have a leak.

**********************

There are many homes for sale in the Lodi and Stockton areas that are now empty due to foreclosure and/or a short sale situation, and since no one is living in the house, then no one is watering the lawns or flushing the toilets.  This can of course cause damage to the grass and plumbing of these homes.  This is not the same as water consumption.  Some of these homes are unsightly in their appearance, but it won’t take much for them to be brought back to life and beautify the neighborhood once again.

Well, I hope you can use at least a couple of these tips and implement them into your routine.  It WILL make a difference.

Make it a great day!

Enhanced by Zemanta

There’s No Place Like Home?

Add a comment

Hey Dorothy, it doesn’t look like we’re in Kansas.

I’ve had the great fortune of being able to stay with my broker and his family at their 2nd home in Carlsbad, CA, while attending an international convention for the world leader in nutritional cleansing with Erica Davis.  They live only 2 blocks from the ocean near Pinto Beach.  Here’s a photo I took my 1st night here.

Life is a Beach!

I’m really looking forward to returning home to my own family, which I miss very much, but I do find myself wishing that it would be easier for them to all just move down here.  The scenery is beautiful!

The local real estate market in Lodi and Stockton area is much different than what it is here in the Carlsbad and San Diego areas.  Most of the homes for sale in the San Joaquin County are foreclosures and short sales.  The median sales price for single family homes in San Joaquin County in the month of July 2010 was $175,000.  Oddly enough that’s the same median sales price for the same time last year.  The median sales price for San Diego County was $380,000 and $352,000 respectively, but here is Carlsbad the prices are even higher.

For assistance in finding good deals on homes for sale in the Lodi and Stockton areas be sure and contact Realty World – Davis Homes & Properties.  And for the Carlsbad, CA area make sure and contact Steve and/or Carol Davis with Davis Coastal Properties.

Although we don’t have any oceans in Lodi, it is where my home and family are, so I am really looking forward to seeing them and getting back to taking great care of my real estate clients I’m currently working with and also the ones that I’ll soon be helping.

It’s a great life!

Randy

Enhanced by Zemanta

Lodi Grape Bowl Getting a Facelift

Add a comment

We all know that our beloved Lodi Grape Bowl has always been a place that has provided many happy memories, especially for those that have had their high school graduation ceremony there.

We also know that the facility has needed a facelift for quite some time now.  The bleachers were dated.  The field was bland.  The landscaping was less than desirable and the concession stand and announcers booth showed plenty of signs of wear and tear.

Unfortunately one of the main problems was that the Lodi Grape Bowl wasn’t exactly disabled-friendly.

Well, most, if not all of that, is now finally changing thanks to a $2 million make-over.

Photo Courtesy of: CALIXTRO ROMIAS/The Record

Although there has been much progress there is still more work to be done both on the facility as well as on the legalities of the use of it.  Hopefully all the wrinkles will be ironed out soon because a line is starting to form with people, groups, etc., wanting to use this location for all sorts of venues including a possible concert.

It’s improvements like this that I think will continue to bring more people to Lodi, which will in turn perhaps help the Lodi real estate market.  More people equals more homes for sale that just might be finding a buyer.

Count me in!

Enhanced by Zemanta

Where’s YOUR Magic 8-Ball?

Add a comment

You can pick any magazine, newspaper or online news page, and see what the “experts” are foreseeing next for the real estate market.

I sure wish I had my Magic 8-Ball six years ago when I bought my new home, that’s for sure!  Who knew that there would be such a crisis that would cause so many Short Sales in Stockton and so many other cities across the nation?  Did the banks know?  Did their investors know?

Will the market bounce back?

Well if you’re looking to move in the near future, here’s another article I found with a list of Top 10 Improved Housing Markets by the year 2014.  This might be a good thing to know, or just another fortune teller looking to get their name in print.

CLICK HERE to view the Top 10.

Leave a comment telling us what you think the next 3-5 years holds for our local Stockton, Lodi real estate markets.

Enhanced by Zemanta

Video Tour of Lake Property For Sale

Add a comment

I wanted to share with you a short 2 1/2 minute video I did with my Flip HD camera while driving around the backyard and around the ‘lake-like’ pond on the beautiful estate property I have for sale in the Lodi, CA real estate market.  It’s not even a Short Sale in Lodi.

This is one spectacular property, but with TWO homes located on it.  If you’ve wanted to live like a King, but didn’t want the responsibility that goes along with being one, then this is YOUR castle!

Reminds me of Mayberry

I’m showing the home to a local attorney tomorrow and I know she’s going to fall in love with the main home itself.  But once she sees the grounds she’s gonna go Lady Gaga over it.      (I just made that up on the fly)  Ha!

CLICK HERE to see the video and enjoy the view.  (Get it?)

Enhanced by Zemanta

Lakefront Living in Your Own Backyard?

Add a comment

Have you ever wanted to take a trip to the mountains, but didn’t know where to go or where you’d stay once you got there?  How about if you could go everyday, but all you had to do was walk outside into your own backyard…

Enjoy your own lake-like pond!

Forget the vacation and enjoy your STAYcation!

For more information about this wonderful Lodi, CA property with two homes on site…CLICK HERE.

There are many unique properties in the Lodi real estate market, but none are as ready to give you that country-like living and still be as close to town as this one.

Life is good!

Beautifully Unique and Ready for Viewing

Add a comment

Get ready to fall in love with this wonderful 4.3 acre property with two homes on site.  The custom-built main home is incredible, and the rear of the property is breath-taking.  This is one of the newest homes listed in the Lodi, CA real estate market that offers a unique opportunity for rural living, but still close enough to town to not feel too isolated.

For a quick panoramic view of the front of the property, CLICK HERE.  Stay tuned for ongoing posts with more videos and photos.  Wait until you see the tour of the beautiful large pond.

It Always Amazes Me!

Add a comment

I was showing a home this morning in the Stockton real estate market to some wonderful clients of mine, and it always amazes me the things some people will leave behind when they move out of their homes.

You don't love me anymore?

This sectional, baby’s playpen, and MANY other items were just left behind at this home and I feel like holding a yard sale and donating all the proceeds to charity.  The thing is that it all still belongs to the current homeowner even though they seemingly have abandoned the home and all it’s contents.

Another thing they didn’t take with them was the awful odor that is lingering on throughout the home.  Especially in the garage where I believe they housed a cat or two.  :-/

It’s difficult sometimes to get clients to look beyond a home in such disarray to picture what it would look like in its cleaned up state.

I really feel for the homeowners that are being forced to make such drastic changes in their lives due to the current situation in the Stockton real estate market.  The number of Short Sales in Stockton seem to be increasing, but leaving behind so much furniture, exercise equipment, personal appliances, clothing, toys, etc., when a Short Sale is the option, is still a mystery to me.


Enhanced by Zemanta

Be Careful Exercising Your Independence

Add a comment

I hope you all had a fun and safe 4th of July weekend!  Yesterday was our country’s celebration of independence.  But what about our financial independence?

When the banks have ‘bad debt’, they write it off.  When a business or corporation has a ‘bad debt’, write it off.  BUT when a homeowner has a ‘bad debt’, just writing it off ain’t gonna happen.

Mortgage debt
Image via Wikipedia

A lot of people who can afford to stay in their homes are just saying good-bye to them  and their mortgages by exercising their freedom of choice and just walking away from their financial responsibilities.  This is commonly referred to as Strategic Foreclosure or Strategic Default.

So, what’s a honest homeowner to do when they’re home is now worth much less than they paid for it only a few short years ago?  Well, before you just get up and walk away you should definitely consult with a real estate attorney, a good Realtor, and also a CPA to find out what options and legal consequences you’ll have depending on your choices and situation.

You could let the bank foreclose, or you could Short Sale your home.  REOs and Short Sales in Stockton and surrounding areas are the bulk of what’s on the market these days.  Just look around and I’m sure you’ll see For Sale signs up and down many streets in your own neighborhood.

Walking away from your home that’s “under water” (worth less than you owe) instead of trying to work with your bank(s) or having a Realtor short sale it for you, could actually leave you in deep water.

Here is some more specific information about this…CLICK HERE.

Enhanced by Zemanta