california: Does The US Market Have a Strong Economic Future? - 10/02/08 02:31 PM
The US Market:
The U.S. financial crisis has shaken investor confidence in our. economy, and for good reason. After nearly a decade of excessive borrowing and lax financial regulation, the economy is in a painful credit crisis resulting in Bank failures, home foreclosures, credit card delinquencies. The credit crisis
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california: Alisa Corstorphine Named Alamo Citizen of the Year - 10/01/08 03:05 PM
Congratulations to our very own Alisa Corstorphine of Alamo Today and Lafayette Today!
Alisa was named "Alamo Citizen of the Year" at Alamo Rotary's annual Music and Wine Festival. Nominations are solicited from the community at large. A Blue Ribbon Committee including past recipients of the honor chooses the recipient. Alisa
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california: Acalanes Union High School District Ranks as the Highest Performing California High School District - 10/01/08 02:39 PM
The Acalanes Union High School District spands 4 cities, Lafayette, Moraga, Orinda (aka Lamorinda) and Walnut Creek. But What a School District!!!
Acalanes Union High School District continues to rank as the highest performing California high school district based on the 2008 Academic Performance Index (API) released by the California Department of
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california: Las Trampas Celebrates 50 Years. - 10/01/08 10:09 AM
Las Trampas is dedicated to enhancing the quality of life for people with developmental disabilities.
Las Trampas is a non-profit organization dedicated since 1958 to enhancing the quality of life for people with developmental disabilities. Mrs. Helen Lucas started Las Trampas as a residential school for 30 mentally retarded
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california: Put Real Estate in Your IRA or Qualified Plan with a REIT - 09/23/08 02:53 PM
REITs
The recent volatility of the stock and bond markets has many investors reviewing their investment strategies and asset allocations. One-dimensional portfolios can be seriously damaged by severe market fluctuation. Investors find out the hard way that diversification can help manage risk in an investment portfolio.
Real estate remains
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california: The City of Lafayette California is Going Green - 09/03/08 02:36 PM
When the City of Lafayette California says Green, they are not talking about your lawn! Nor are they talking about St. Patty's Day! When the City of Lafayette Says Green, the City is talking about their efforts to become a more sustainable community...
The City of Lafayetteefforts to become a more sustainable
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california: Now that California's 2008 Summer Housing Market is Ending - 09/01/08 09:06 PM
My Thoughts on the Direction of California's Housing Market
Well the Olympics are over, the kids are back in school, the Yankees are out of the pennant race, the lending markets are barely functioning, and mortgage lenders are still failing. Oh bye the way, the Commerce Department has determined a recession
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california: Orinda California Neighborhoods: What Neighborhood Do You Want to Live In? - 08/12/08 01:19 AM
Orinda Neighborhoods:
Orinda is a small upscale community. The community has almost perfect weather due to its micro-climate. The micro-climate is defined by a set hills that protects Orinda from the encroachment of ocean fog, but on the other hand, allows the fog to influence Orinda's temperature 10 degrees
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california: Lafayette California Neighborhoods: What Neighborhood Do You Want to Live In? - 08/10/08 01:45 AM
Lafayette is a small upscale community. Even today, starter homes go for $800,000 or more. There are many executives who when relocated to the Bay Area were very surprised at what they could afford to purchase in Lafayette California when compared to where they came from.
Why is Lafayette so desirable?
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california: A Snippet of Orinda California's History Chapter 1. - 08/08/08 01:27 AM
Orinda California
Orinda California is an upscale family-oriented community located 30 minutes from Downtown San Francisco and right next to Lafayette. Orinda is in the middle of soft rolling, tree-studded hills; a sharp contrast to most urban communities. Orinda's natural beauty, history, excellent schools, culture and proximity to all
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california: High Net Worth Real Estate Individuals: Refinancing Mortgages Held in an LLC - 08/06/08 11:01 PM
GSEs Fannie Mae and Freddie Mac will not Insure Mortgages that are refinance while being held in a LLC.
Real estate investors often hold investment properties in an LLC for liability protection. Freddie Mac lending policy changes will not insure Mortgages that are refinanced while being held in an
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california: A Little History of Lafayette California: The Way Side Inn Chapter 4 - 08/06/08 04:55 PM
History of Lafayette California
Lafayette is located in Contra Costa County which is a little northwest of San Francisco. Lafayette is a still a quaint community with that small town feel. Even so, Lafayette has grown into one of the top income per capita towns in the US as reported by
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california: The Pony Express Rides Throught Lafayette California: Chapter 3. - 08/05/08 05:54 PM
History of Lafayette California
Lafayette is one of my favorite towns in the whole world. One of the reasons I like Lafayette is that the community support for the businesses in town like Ed Stokes' Diablo Foods or Jesse Wellen's Lafayette Car Wash. The slogan "Shop Lafayette" is a key
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california: How Lafayette California Was Named: Chapter 2. - 08/05/08 04:26 PM
History of Lafayette California
Lafayette is one of my favorite towns in the whole world. I really enjoy how the town rallies around local events. Some of Lafayette's annual events are:
A Taste of Lafayette (May 20th 2008)
Lafayette Criterium Bike Race (held July 13th in 2008)
Lafayette Art and Wine
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california: A Little History of Lafayette California Chapter 1. - 08/05/08 03:35 PM
History of Lafayette California
Lafayette is one of my favorite towns in the whole world. Maybe that is because I lived in Lafayette half my life. Lafayette is located in Contra Costa County which is a little northwest of San Francisco.
Lafayette is a still a quaint community with that
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california: Lafayette California's ROCK THE PLAZA Concert Serries, 2008 - 08/04/08 03:54 PM
The 2008 ROCK THE PLAZA Concert Serries, Lafayette, California.
Lafayette has is very own 'Rock the Plaza' series. The Lafayette Chamber of Commerce (of which I am a Board Member) presents a local Rock Band every Friday night during the month of August between 6:00 pm and 8:00 pm.
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california: Lafayette California Justs Became a Little More French: Chevalier Restaurant (LOCALISM FEATURED) - 07/27/08 10:41 PM
Chevalier Restaurant Lafayette Bienvenue
Upon hearing that there was a new French restaurant in Lafayette, Chevalier Restaurant, my wife and I knew we had to try it. Lafayette has become known for a Mecca of fine restaurants. A few years ago, the Lafayette California Chamber of Commerce started their "Restaurant
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california: Well, It's a Done Deal. Bank of America has Purchased Countrywide! - 07/01/08 11:53 AM
July 1st is Bank of America's Legal Day One in the Purchase of Countrywide
It is a Done Deal. Bank of America has completed the purchase Countrywide. Now Bank of America will focus on merging the 2 companies. The Bank of America's mortgageheadquarters will now be located in Calabasas, California.
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california: A Very Simple View of Our Sub prime Crisis. Chap 3. Wall Steet Investment Banks. - 06/28/08 02:00 PM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis , the downturn in both the real estate and financial markets. One key element in this crisis is
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california: A Very Simple View of Our Sub Prime Crisis: Chapter 2 - Banks - 06/16/08 02:05 AM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis , the downturn in both the real estate and financial markets. One key element in this crisis
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california: A Very Simple View of Our Sub Prime Crisis: Chapter 1 - Mortgage Brokers/Loan Originators - 06/16/08 02:03 AM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis that lead to the downturn in both the real estate and financial markets. One key element in this crisis is
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california: A Very Simple View of Our Sub-prime Crisis. Who is to Blame? - 06/15/08 11:54 AM
Introduction: Key Players in the Sub-Prime Crisis
The sub-prime mortgage crisis is an ongoing problem which continues to demonstrate itself with our current liquidity crisis. There were early warnings as early as 2000, during the final months of the Clinton administration, when Treasury official Gary Gensler noted that sub-prime
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california: Alan "AJ" Nisen's About Page - 06/14/08 02:25 AM
Who I AM
Demand continues to grow for qualified and adaptable Mortgage Loan Officers that can deliver results, stay accountable, and offer a high level of personal service. How do I know? Because I am that kind of Mortgage loan officer and demand for my expert can-do work ethic
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california: Did you Know the FHA/VA is Green? Energy Efficient Mortgages. - 06/02/08 04:37 PM
Did you know that the federal government supports Energy efficient mortgages (EEMs) by insuring them through FHA or VA programs? These EEM mortgages can be used by homeowners to finance a variety of energy efficiency measures, including renewable energy technologies in a new or existing home. The EEM FHA/VA mortgages allow
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california: What Type of Loan Are You Qualifing For? Prime? Alt-A? Sub-prime? - 05/30/08 12:28 PM
The whole world knows that we are in a credit crisis mainly caused by sub-prime debacle. What is a sub-prime loan? What other types of loans categories are there besides sub-prime? In this post I am not going to tell you how we got into the sub-prime crisis, but will define the
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california: FBI Reports Mortgage Fraud up in 2007 - 05/21/08 07:29 PM
The Federal Bureau of Investigation's fiscal year 2007 Mortgage Fraud Report (which ended Oct. 31) found mortgage fraud investigations increased 47% over FY 2006, and continues to rise. The top 10 mortgage fraud states for 2007 were
Florida
Georgia
Michigan
California
Illinois
Ohio
Texas
New York
Colorado
Minnesota
Key findings by
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california: MORTGAGE FRAUD SCHEMES - 05/21/08 07:28 PM
Mortgage Fraud can occur in many ways. Here are a couple of Mortgage Fraud Schemes the FBI is watching for:
Occupancy fraud
Employment/income fraud
Failure to disclose liabilities
Property Flipping
Silent Second
Nominee Loans/Straw Buyers
Fictitious/Stolen Identity
Inflated Appraisals
Foreclosure Schemes
Equity Skimming
Air Loans
Occupancy fraud
Frequently this is
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california: Are you Ready to Lock? - 05/05/08 04:55 PM
I typically wake up between 6.00 and 6:30 am every morning, download rates and then analyzed who I can help today. If I see any rate improvement that may benefit any of my clients, I call them immediately. This is an important service for my clients because the window of opportunity is
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california: Do Banks Sell Their Own Foreclosed Properties? In California? Across the Nation? - 04/30/08 07:29 PM
Forclosuers, Another name for Bank Owned PropertiesAlmost every week I have a client or a realtor ask me about my bank's foreclosed properties. Where can I get the Bank's Foreclosure Property list? Or, how can I become one of the Banks preferred realtors to sell their Foreclosed Properties. Also clients often
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california: For Mortgages When Purchasing Your Home, WHAT ARE SELLER CONTRIBUTIONS?" - 03/26/08 11:35 PM
In today's real estate market, buyers typically have the upper hand over sellers. In this situation buyers can ask for a number of concessions including what is called "Seller Contributions". But, what are seller contributions? What can seller contributions are used for? What happens to any seller contributions not used?Seller ContributionsWhat
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california: Regulatory Changes Allow Freddie and Fannie to Buy More Loans!!!! - 03/20/08 09:48 AM
Federal regulators have relaxed the GSE's (Fannie Mae and Freddie Mac) capital requirements. How will this help us? First, Fannie and Freddie provide liquidity to the secondary market for loans in two ways: by buying and holding mortgages and mortgage-backed securities (MBS) as investments, and by securitizing and guaranteeing large pools
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california: Mortgage Dynamics: Why the 10 Yr Treasury Fails as Benchmark to Track Rates - 03/19/08 01:29 PM
The Treasury has long been the benchmark for tracking mortgage rate movement, i.e. 30 year fixed vs. 10 year Treasury. Based on the market over the last couple of months, that has not happened. The folloing graph will give you perspective on why the models are not following the traditional pattern. 30Y
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california: Fannie Mae's Guidelines for Jumbo-Conforming Mortgages - 03/15/08 08:06 PM
There is no guarantee that the rates on jumbo-conforming loans will be low enough to attract borrowers. Rates will be set by the market; not the government, not the banks. I believe the most likely outcome will be premium price add-on to jumbo-conforming mortgage rates so rates end up somewhere between
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california: Dear Mr. Borrower Applying for a Mortgage - 03/15/08 03:05 PM
Mr. Borrower, Applying for a mortgage is stressful under the best of circumstances. Even experienced borrowers feel a little twinge of anxiety at the thought of taking on hundreds of thousands of dollars worth of debt. The mortgage approval process is forgiving of many things; there are certain actions or non-actions that can
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california: Finding a Mortgage: Ten Tips for First Time Homebuyers - 03/14/08 11:29 PM
What You Should Know in Finding a Mortgage Before Buying a Home
Before you start looking for a home, you should get pre-qualified for a loan. Banks, credit unions and mortgage bankers make home loans. The lenders like myself will take an application, process the loan documents, and see the
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california: FHA and the Nehemiah Down Payment Assistance Program! - 03/13/08 01:34 AM
Nehemiah Program The Nehemiah Corporation is "a community development corporation specializing in homeownership, affordable housing and community development." The Nehemiah Program, founded in 1997, is the largest privately funded down payment assistance program (DPA) in the country and has helped a quarter of a million families buy homes. Nehemiah provides gift funds for
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california: Mortgage Programs for First Time Home Buyers - 03/12/08 11:00 AM
Everyone likes a bargain. Even First-Time Home Buyers! The simple definition of a first-time home buyer is someone who has not taken a mortgage interest deduction in the last 3 years. It's not surprising that first-time home buyers are beginning to take notice of current housing prices.
Lending standards are getting stricter
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california: FHA Loans: The First-Time Home Buyers Loan of Choice! - 03/12/08 10:59 AM
FHA (Federal Housing Authority) Loans. Remember the New Temporary Mortgage Limits:
The number of FHA borrowers has grown substantially in the last year. FHA only requires a 3% down payment. The down payment can be a gift from friends or family or can be seller credits through several down-payment-assistance programs for first-time home buyers like the Nehemiah Down Payment Assistance
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california: CalHFA: A California First TIME Home Buyer's Prgram With Up to 100% Financing - 03/12/08 10:59 AM
CalHFA: California Housing Finance Agency
The California Housing Finance Agency's goal is to provide affordable housing opportunities to low and moderate income first-time homebuyers. This is accomplished by offering low, fixed interest rate mortgage products, along with down payment and closing cost assistance. Combining CalHFA's programs with
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california: The ACORN Program - Not Just for Fisrt-Time Home Buyers - 03/12/08 10:58 AM
ACORN is a National non-profit Housing program with goals to provide free housing counseling directed toward achieving homeownership for low to moderate income homebuyers. ACORN accomplishes their goal by providing one-on-one mortgage loan counseling, first-time homebuyer classes, and works with lending partnerships to obtain affordable mortgages for their clients.
The mortgages
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california: Wheelchair Foundation and Interanational Orphan Relief Foundation Fund Raiser: The Mayorsâ€TM Charity Ball - 03/09/08 01:53 PM
The Wheelchair Foundation and the International Orphan Relief Foundation have joined together to provide mobility and relief to the orphan children of Kenya. In partnership, we are organizing a special evening of dining, dancing and fellowship to benefit the International Orphan Relief Foundation and to raise funds to help mentor and provide mobility
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california: Know Your Facts About California Cellular Phone Law Starting July 1, 2008 - 03/05/08 07:07 PM
Drivers 18 Years and OlderQ: When do the new cellular phone laws take effect?A: The new laws take effect July 1, 2008. Q: What if I need to use my phone during an emergency and I do not have a hands-free device?A: The law allows a driver using a wireless telephone to
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california: "Green" Is the New Fad in Housing - 03/01/08 01:53 PM
Buying greenGreen is the new "HOT" fade. Manufacturers have notice this phenomenon sweeping across America. Manufactures are now refining their home products raw materials, energy use, etc so they can label their products "Green". To make a home "Green" which includes reducing your carbon footprint, a small incremental change can have
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california: BANK OF AMERICA CHARITABLE FOUNDATION ANNOUNCES $250,000 IN ADDITIONAL GRANTS TO CALIFORNIA HOUSING NONPROFITS HELPING FAMILIES STAY IN HOMES - 03/01/08 12:30 PM
Aid to Nonprofits in Stockton, Sacramento, Inland Empire and Bakersfield part of $750,000 ongoing foreclosure prevention effort in California Bank of America is doing some very important work in California, as part of our ongoing efforts to address the mortgage crisis, keep people in their homes, and help working families achieve financial
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california: Are the Feds Fueling Inflation? - 02/27/08 11:05 PM
Fed's Expansionary Policy to Fight a Recession:Federal Reserve Chairman Ben Bernanke told Congress on February 27, 2008 that the Feds remain on the course for additional interest rate cuts, thus continuing their expansionary policy to combat recession. The Feds hope to combat recession because lower interest rates will stimulate economic activity by
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california: Bank of America Supports Senator Dodd's Plan to Help Mortgage Crisis - 02/26/08 02:22 AM
Bank of America backs Senator Dodd's plan to buy up Loans at a DiscountBank of America officials have warned congress that up to $739 billion in mortgages are at risk of default in the next five years, and that the government intervention is needed. This is why Bank of America supports Senator
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california: Moving a Parent into your Home? A Missing Tip!!! - 02/25/08 05:19 PM
My Number One Tip to Prepare Moving a Parent into your Home!I read an article this morning that included five tips (Consumer Reports Money Advisor which I have copied below) to prepare moving an elderly parent into your home. This article caught my attention because I may have to move my
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california: Town Hall Theatre Fundraising Gala: Ticket Available Now!! Lafayette California - 02/25/08 02:18 AM
TOWN HALL FUNDRAISING GALATICKETS AVAILABLE NOW! 5 days only - buy your Gala tickets for $75 ($10 off!). Ticket prices up up to $85 on March 1st. Also, purchase 5 raffle tickets for $40, for your chance to win a night's stay and spa package at the Lafayette Park Hotel! You
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california: The Great Downsizing in Contra Costa County: Seniors on the Move!!!! - 02/24/08 12:32 AM
Senior Citizens are the fastest growing demographics in most Contra Costa cities. Us baby-boomers are just starting to get to retirement age. Now that the kids have moved out of the house, do we really want to spend all our free time cleaning and doing yard work? Do we want to
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california: When "The Man" (in this case lady) Comes to Collect Your Mortgage Payment - 02/23/08 02:12 AM
I can imagine adebt collector or collection agency coming to my door to ask for a mortgage payment I do not have. There has to be enormous internal emotional pressures and family trumoil. The following is about a landlord but you will get the idea.
You can find AJ Nisen on
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california: Mortgage Bailout? Don't throw the "Tax Payer" out with the Water? - 02/21/08 11:05 PM
You know the Office of Thrift Supervision (OTS - don't you like acronyms)? The OTS has authority over federal savings and loan lenders. The OTS unveiled a plan to help mortgage borrowers in trouble, but only those borrowers who hold mortgages with federal savings and loan lenders. The plan suggests their lenders
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california: Bank of America's President Floyd Robinson Announced Project Lifeline to Help Distressed Borrowers - 02/19/08 01:19 PM
Today, Bank of America played an important role in a major national effort to assist homeowners in danger of losing their homes. Appearing with U.S. Treasury Secretary Hank Paulson and U.S. Housing and Urban Development Secretary Alphonso Jackson, Bank of America's Consumer Real Estate and Insurance Services Group President Floyd Robinson
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california: Delinquent in Your Mortgage Payment? Don't Run! Don't Hide! - 02/17/08 07:45 PM
Are you delinquent in your mortgage payments? If you are, Don't Run, Don't Hide!HUD and Mortgage lenders are trying to find delinquent homeowners. In particular, they are trying to find homeowners who have not returned phone calls and letters. THIS IS NOT AND ATTEMPT By LENDERS or HUD TO COLLECT or PUNISH!
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california: Lafayette California was Named After General Marquis-de Lafayette - 02/16/08 03:24 AM
It may or maybe not be obvious, but the city of Lafayette California was named after General Marquis-de Lafayette. Last year when the City of Lafayette celebrated the Marquis-de Lafayette's 250 Birthday, a french camera crew came to the city of Lafayette and did a Video Profile. It is kind of
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california: Taxes Taxes those Stinking Taxes in Lafayette California - 02/16/08 02:47 AM
Lafayette California: How Lafayette Spends its Tax Dallor
Taxes Taxes Taxes. No more Stinking Taxes. Or maybe we do need more taxes.
Lafayette residents demand more services from their city but where will the money come from? The City of Lafayette's newsletter, Vista, published the article "Where Do Your Taxes
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california: Generations in Jazz 8th Annual Festival in Lafayette California - 02/16/08 02:15 AM
2008 Lafayette Jazz FestivalMarch 6-9, 2008 @ Bentley School Theater (directions) and the Acalanes Performing Arts Center Click HERE to purchase thickets! March 6th 7:00 p.m. - Rossmoor Big Band w/ special guest performance by Mary Fettig and the Bentley Jazz Ensemble with Brian Pardo and Mic Gillette March 7th 7:00 p.m.- Jamie
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california: Generations in Jazz Foundation in Lafayette California - 02/16/08 01:54 AM
Lafayette is considered the top destination west of the Mississippi to learn Jazz, an original American art form. Why? Because of the Jenerations in Jazz Foundation, their workshops and volunteers like Bob Athayde, Music Director at Stanley Middle School, Tom Carter and countless others. Generations in Jazz Foundation History The Generations in Jazz Foundation formed the
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california: La Finestra, One Great Italian Resturant in Lafayette California - 02/16/08 12:25 AM
Yesterday was Valentine's Day. Sorry to say, I did not get my sweetie RED ROSES (she doesn't like roses anyway) but I did take her out to one of our favorite Italian restaurants, La Finestra Ristorante in Lafayette. La Finestra serves Sicilian or Sicilian influence dishes. Boy did we have a
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california: There Is HELP for the Delinquent Borrower! - 02/14/08 06:42 PM
I have talked with too many borrowers in the last several months that are or are about to go into delinquency. It is not an easy conversation. Most borrowers do not know what their options are. I think that walking should be a last resort. I am pretty sure that all
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california: Don't Make Foreclosure Worse for Yourself. - 02/14/08 06:15 PM
Hey, DEFAULT is a bad situation but don't make it any worse for yourself. I talk with too many borrowers facing mortgage default. I am not an expert but I do try to steer them in the correct direction. Here are a few pointers to think about. HUD has put together
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california: New Contra Costa Hot Line for Social Services!!!!! - 02/11/08 01:28 PM
The New 211 Hot LineBeginning today, a new hot line lets anyone in the Bay Area who needs help with food, housing, employment or health care, can dial 211. This service has is slowly rolling out to all the bay area communities. There are six Bay Area counties who now have
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california: Focus On Seniors: A Day Long Symposium On and For Seniors - 02/10/08 01:49 AM
The demographics overall but especially in our high cost areas are showing the average residence is getting older every year. Yes, Us baby boomers and our parents are aging. This statistic is very dramatic in our high housing cost communities because our young cannot afford to move into towns like Lafayette, Orinda,
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california: What or Who Are Fannie Mae and Freddie Mac? - 02/09/08 07:43 PM
Freddie Mac (FHLMC) and Fannie Mae (FNMA) are two housing government-sponsored enterprises (GSEs). These GSEs were chartered by Congress (The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 or more commonly known as The GSE Act) to create a secondary market for residential mortgage loans. They are considered "government-sponsored"
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california: Do You Want To Know How Mortgage Rates Are Determined? - 02/08/08 05:46 PM
No one simply "sets" rates. Rates are primarily determined by the market through supply and demand. The market buys and sells bonds or other debt instruments all the time. The United States (US) to fund the government has the Treasury auction debt (typically the 5, 10, and 30 year US Treasury
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california: Gigi, A Restaurant you should Try in Lafayette, California - 02/01/08 12:01 AM
Gigi's
Chow's former executive chef, Jeffery Amberhas opened his own restaurant in Lafayette, Gigi. Jeff bought Kaffee Barbara, an Icon in Lafayette, who finally closed its doors. Gigi, located on Brown Ave. in a small house in the Forge and where Jeff has turned it into his own: a place
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california: The Walnut Creek Farmer Market! Every Sunday Year Around. - 05/21/07 12:28 PM
Fresh Vegitbles, Fruits, and Flowers Every Sunday Event Name: Walnut Creek Farmers' Market Description: What's In Season for April & May: Apricots, Artichokes, Asparagus, Avocados, Cherries, Cilantro, Cucumbers, Green Garlic, Fava Beans, Lettuces, Onions, Peas, Radishes, Spinach Strawberries Event Time: 08:00 AM - 01:00 PM PST Location: Walnut Creek Library Parking Lot Broadway at Lincoln Walnut
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california: Walnut Creek Art and Wine Festival, June 2nd and 3rd, 2007 - 05/14/07 09:00 PM
On June 2nd and 3rd the Walnut Creek Chamber of Commerce will continue a tradition begun in 1981 by celebrating the 26th Anniversary of the Walnut Creek Art & Wine Festival. The event will be held at Heather Farm Park located in the heart of Contra Costa County and will feature
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