Economic forcast for February 27 - March 5, 2011 - www.4Malibu.com - 02/28/11 04:18 PM
In addition to monitoring the unrest in the Middle East, we have a big week of economic reports on our hands - with the big news coming on Friday! Here' s a highlight of what to watch:
The week starts off Monday morning with reports on Personal Spending and Personal Income, as well as Pending Home Sales. The Pending Home Sales report comes after last week's Existing Home Sales release, which came in better than anticipated... but the National Association of Realtors who reports all these numbers is under fire for possible overestimation in the past few years.
On Monday, we' … (0 comments)

Foreclosure sales made up 26% of 2010 home sales - www.4Malibu.com - 02/24/11 02:28 PM
Foreclosure sales continued to account for more than 20% of all U.S. home sales in the fourth quarter and fiscal year 2010, foreclosure data firm RealtyTrac said Thursday.
The Irvine, Calif.-based data firm said foreclosure sales made up 26% of all home sales last year, down from 29% in 2009, but still higher than 2008 levels when foreclosures accounted for roughly 23% of all home sales.
Buyers who acquired foreclosures in 2010 also benefited from a steep discount, with foreclosed homes selling 28% below the average price of non-distressed properties. Foreclosure sales a year earlier were selling 27% below the average … (2 comments)

City of Malibu Aims for LEED Certified City Hall - www.4Malibu.com - 02/24/11 02:12 PM
Since incorporation on March 28, 1991, the city has only leased buildings that have served as City Hall. In 2009, the City purchased the two-story 35,000 square foot, multi-tenant use commercial office building and performing arts center at 23825 Stuart Ranch Road to become the City's permanent home. Then the task of re-designing it to be suitable for municipal operations began. In addition to upgrading the building to current Americans with Disabilities Act standards, a new Emergency Operation Center and Senior Center were designed to be housed within City Hall. The renovation approved by the Council required the New City Hall … (0 comments)

Malibu Celebrates 20 Years of Cityhood - www.4Malibu.com - 02/24/11 01:32 PM
The City of Malibu has a rich history dating back to 1542 when Spanish explorer Juan Rodriquez Cabrillo stopped to get fresh water in what would become Malibu before continuing his journey north. In 1908 the Rindge family private railroad opened known as the Hueneme Malibu and Port of Los Angeles Railway. Malibu was on the map when the Roosevelt Highway (later to be named Pacific Coast Highway) opened for traffic ushering in 1929. Many years later the City of Malibu achieved cityhood in 1991. This year marks the City of Malibu's 20 years of Cityhood which incorporated a 26-mile stretch … (2 comments)

The Malibu Township Council opposes the state-approved Malibu Lagoon modification project - www.4Malibu.com - 02/23/11 07:57 PM
The following letter was sent to Gov. Jerry Brown.
The Malibu Township Council is a community organization that has been active in the greater Malibu area since 1947. We have members living in the city of Malibu as well as adjoining unincorporated Los Angeles County. Our goal is to participate with the local governmental agencies to support, amend or oppose proposals affecting the community in order to serve the best interests of the environment and the community.
We have been most concerned with the current State Parks plan for the restoration of the Malibu Lagoon. We considered the state's plan and goals as well as the … (0 comments)

For Lease - 2B/2B - $1,975/mth - Cross Creek Village - Playa Del Rey - 02/23/11 07:27 PM
For Lease
2B/2B
$1,975/mth
7740 Redlands St., Playa Del Rey, CA 90293
Cross Creek Village Unit was recently remodeled! Newer carpet, stainless steel appliances, granite counters, custom cabinetry and paint, closets w/built-in shelves. Upgraded baths. 2 subterranean parking spaces. Park-like gated complex features 2 swimming pools, tennis, paddle and tennis courts, men's & women's spas, rec room, on-site dry cleaners, clubhouse, kids playground and security cameras throughout. Minutes to the beach, LAX.
Click here for additional photos/info.
 

… (0 comments)

Home sales increase 2.7% as property investors flash more cash - www.4Malibu.com - 02/23/11 05:11 PM
Existing home sales increased 2.7% in January, according to the National Association of Realtors, with cash sales taking an "abnormally" larger market share.
NAR classifies existing home sales as completed transactions of single-family, town homes, condominiums and co-ops. The seasonally adjusted annual rate of these sales increased to 5.36 million in January, a 5.3% increase from a year ago. It's the first time in seven months sales increased from the year before.
NAR Chief Economist Lawrence Yun said the upward trend is matching improvement in the economy and jobs, but he blamed constricted lending for keeping sales from improving even more … (0 comments)

FHA REO inventory up 47% from one year ago - www.4Malibu.com - 02/23/11 05:02 PM
The Federal Housing Administration held 60,739 properties repossessed through foreclosure on its books as of December 2010, up 47% from the year before.
The current value of those properties is $9.1 billion, according to the FHA book of business report released Tuesday. Combined with Fannie Mae and Freddie Mac's third quarter numbers, the U.S. government holds roughly 360,000 REO properties.
Reselling these properties is key to driving the housing market into recovery. Estimates are wide-ranging on the size of this shadow inventory of foreclosed homes and delinquent loans still in the process.
Currently, the data provider CoreLogic estimates it to be … (2 comments)

Tips For A Great Paint Job - www.4Malibu.com - 02/22/11 03:15 PM
A fresh coat of paint is one of the least expensive but most dramatic changes you can make in your home. Painting can quickly transform the appearance of a room. Even first time painters can achieve professional results. Before choosing your paint, it is best to determine if the room is a high or low traffic area. Flat paint is best suited for low traffic areas because it takes more effort to remove stains. A flat finish is a better choice for ceilings and any walls where a muted low reflecting surface is desired. The next step up from a flat finish … (1 comments)

Foreclosure sales weigh down home prices in 23 markets - www.4Malibu.com - 02/22/11 01:52 AM
Home prices in 23 U.S. metropolitan areas fell 2.2% in December, the largest one-month drop for fiscal 2010, and a sign that foreclosed properties continue to weigh down home values across the nation, the FNC Residential Price Index revealed Monday.
Mortgage technology firm FNC publishes the index to track home price levels across the nation.
According to the latest report, home values fell for the seventh straight month in December. Between January of 2010 and December, home prices dropped more than 3.4%, according to the report.
Of the 30 metropolitan areas surveyed, all but seven experienced price declines in December.
The biggest … (2 comments)

What does "Don't fight the Fed" mean exactly - www.4Malibu.com - 02/21/11 01:20 PM
 So what does "Don't fight the Fed" mean exactly, especially when it comes to home loan rates? Let's answer that by going back a few months. In early November, when home loan rates were at all time lows, the Fed announced their plan to purchase $600 Billion in Treasuries through mid-2011. Dubbed Quantitative Easing 2 or QE2, the Fed had three goals:-Boost Stock Prices-Lower unemployment-Create inflation After just two and a half months, an argument could be made that the Fed has been somewhat successful so far. Stocks are higher, the unemployment rate has improved (though more improvement is certainly needed), and … (0 comments)

OPEN HOUSE - 2/19 from 12-3p - Complete Remodel in the W. Valley - 3B/2B - $323,000 - 02/18/11 03:44 PM

OPEN Saturday 2/19 from 12-3pm
3B/2B
Completely remodeled home nestled on an over 7400 square foot lot. One will find this remodeled beauty of 3 bedrooms, 2 baths boasting the original beautiful hardwood floors, cozy fireplace, central heating and air. Updated and remodeled kitchen including granite counter tops and new cabinets. New roof, dual pane windows, and tile throughout. 2 car detached garage with new door. Close to stores, shopping and schools. Move in ready! All offers will be considered. FHA/VA welcome.
Click here for additional info.
… (2 comments)

Surfrider Beach - Community Beach Cleanup - Feb. 19 9a-12p - www.4Malibu.com - 02/18/11 02:21 PM
Saturday, February 19, 9 am - 12 pm Surfrider Beach, 23050 Pacific Coast Highway, Malibu The Malibu Surfing Association (MSA) has again adopted our home break of Surfrider Beach as part of the California Coastal Commission's ‘Adopt-A-Beach' program. We'll focus on the beach areas between Lifeguard Towers 1 (pier) and 2 (Adamson House), the Adamson House Wall, and the Surfrider Beach parking lot.
… (0 comments)

Foreclosures raise US economic stress - www.4Malibu.com - 02/18/11 02:12 PM
The nation's economic stress inched up in December because higher foreclosures outweighed lower unemployment, according to The Associated Press' monthly analysis.
Bankruptcy levels remained largely unchanged from November. But the depressed housing market took a toll. Foreclosure rates rose in 33 states, most sharply in Utah, New Jersey, Nevada and Arizona.
Most analysts expect the economy to gain momentum this year, in part because of a tax-cut package that lowers workers' Social Security taxes and puts more money in their paychecks. But two straight months of higher stress to end 2010 marked a setback after the nation's economic pain had eased … (0 comments)

Banks push home buyers to put down more cash - www.4Malibu.com - 02/18/11 01:55 PM
Many economists and housing analysts blame lax lending standards - including no-down payment, no-document loans - for contributing to the challenges in the current real estate cycle.  As a result, most lending institutions have increased minimum down payment requirements.  Now, a new proposal by the Obama administration calls for gradually raising down payments to a minimum of 10 percent on conventional loans - those that can be bought or guaranteed by Fannie Mae and Freddie Mac.
Banks have found that larger down payments discourage delinquencies by increasing the buyers' exposure to loss and reducing the impact of declining prices.  According to … (0 comments)

MALIBU IS TURNING 20! - www.4Malibu.com - 02/17/11 05:33 PM
MALIBU IS TURNING 20! Make plans to join the City Council,  friends and neighborson Sunday, March 27, 2011, as we mark the 20th Anniversary of Malibu Cityhood! The celebration will include a community picnicat Legacy Park, guided tours of the park,children's activities and much more! The actual 20th Anniversary will be celebratedby the City Council as it holds the first Council meetingin the New City Hall Council Chamberson Monday, March 28, at 6:30 p.m.
… (1 comments)

Keep Your Home California program now fully implemented - www.4Malibu.com - 02/17/11 04:48 PM
The California Housing Finance Agency announced last week that it has fully implemented four programs to fight the ongoing foreclosure crisis in California, with the primary goal to help families remain in their homes.
The programs, under the umbrella title of Keep Your Home California, are federally funded as part of the U.S. Treasury Dept.'s Hardest Hit fund, and are aimed at helping low and moderate income homeowners struggling to pay their mortgages amid the worst real estate crisis in decades.  California received a total of nearly $2 billion through the Hardest Hit fund. After consulting with community leaders throughout the … (0 comments)

Home buyer tax credit repayment begins for 2008 buyers - www.4Malibu.com - 02/17/11 04:30 PM
Most home buyers who claimed the federal tax credit of up to $7,500 for buying their first home in 2008 are required to start repaying the credit in 15 annual installments, beginning with their 2010 tax returns.The credit-some form of which was offered for qualified home purchases in 2008, 2009, and 2010-has different repayment rules depending on when and under what circumstances the home was purchased. As tax season approaches, this may cause confusion among home buyers who received the tax credit.
The IRS is sending a letter to taxpayers who claimed the credit that explains if, when, and how the … (0 comments)

California home sales rose, median price fell in January - www.4Malibu.com - 02/17/11 04:24 PM
California home sales rose in January, marking three consecutive monthly increases and posting their highest level since May 2010, while the statewide median price declined to its lowest level since June 2009, according to data C.A.R. 
"With lower home prices and rates edging up from their historic lows of late last year, prospective home buyers should consider the opportunities in today's market," said C.A.R. President Beth L. Peerce. California home sales rose 5.1 percent in January compared with December, to a revised pace of 520,080 units.  Sales also increased 2.5 percent in year-over-year comparisons, marking the first year-over-year sales increase since … (0 comments)

Obama administration releases recommendations on future of GSEs - www.4Malibu.com - 02/17/11 04:07 PM
The White House recently released recommendations to phase out Fannie Mae and Freddie Mac.  C.A.R. says the elimination of government involvement would raise borrowing costs for home buyers and severely restrict a safe and affordable flow of financing, further impeding the still-fragile housing market recovery. C.A.R., along with NAR, believes that Fannie Mae and Freddie Mac government-sponsored enterprises (GSEs) should be converted into government-chartered, non-profit corporations.  Such an entity would ensure government's role in a stable real estate finance system, while eliminating the conflict created by the GSE's current charter allowing for a private profit and public loss structure.  With a … (1 comments)

Litter Prevention & Beach Clean-Ups - www.4Malibu.com - 02/16/11 06:23 PM
When it rains or when water runs off yards, it drains into storm drains which were designed only to prevent streets from flooding in rain. Therefore, everything that flows into a storm drain goes directly into our creeks and coastal waters untreated. Runoff can carry household chemicals like pesticides and fertilizers, oil, soils, litter and other pollutants into the environment.
 
Post-consumer waste, or trash, is the main source of litter in runoff and causes nearly 80% of marine litter. Litter is mostly plastic bags, food packaging, and single-use items, with plastic as the most common marine debris worldwide. The main … (0 comments)

Paradise Cove Clean Ocean Project - www.4Malibu.com - 02/16/11 05:18 PM
Paradise Cove Clean Ocean Project
Paradise Cove is one of Malibu's most treasured spots, attracting thousands of families from throughout the region and tourists from around the world who come to enjoy its sandy beaches, world-class views and gentle waves. It's also been a favorite beach for local celebrities and a popular filming location for movies and television.
 
"For generations, this fabled cove has been making memories for all who come here," said Malibu Mayor Jefferson Wagner at the press conference celebrating the Clean Ocean Project's launch. "So how could we possibly improve ocean water quality and protect public health … (0 comments)

Urban Runoff - Tips to help protect the environment - www.4Malibu.com - 02/16/11 02:26 PM
Urban runoff is excessive water caused by outdoor activities like washing cars, equipment, and surfaces, and irrigation over-spray that flows down the street into the storm drain system from residences or businesses. Storm drains are intended to transport only rainwater away from streets to avoid flooding, not as a disposal for water wasting activities. Rainwater and runoff carry contaminants -such as litter, animal waste, automobile fluids, fertilizers and pesticides - into the storm drains and pollute the City's neighborhoods and waters, creating health risks, harming marine life, and contributing to localized flooding and beach postings.
 
Recently opened, Legacy Park was … (0 comments)

Home sales fell 12% in 2010 - www.4Malibu.com - 02/16/11 02:02 PM
U.S. home sales totaled 3.6 million in 2010, a 12% drop from the year before that pulled prices down with it, according to data provider CoreLogic.
In November, the latest month of data available from CoreLogic, home prices dropped 5.1% for the fourth straight month of decline. Decreases in home prices have spread to 45 states from 18 just six months before.
The downturn in home prices is clearly being driven by weak sales, an excess supply of unsold homes and larger impact from distressed sales.
The number of homes sold in 2010 was at its lowest point since the housing … (0 comments)

Malibu's Full Service Leasing Dept. - Property Management - www.4Malibu.com - 02/15/11 07:40 PM
4 Malibu Real Estate Partners, Inc. has a full leasing department representing both Tenants and Landlords. FREE search of Malibu Rentals. http://www.4MalibuRentals.com
· This site is updated daily so bookmark http://www.4MalibuRentals.com
· Rentals are listed by price, starting from the lowest to highest.
· Includes oceanfront, landside, vacation, furnished & unfurnished options.
· Browse the site and email our rental department directly from each property you are interested in.
· You can also email our rental department at Rentals@4Malibu.com and let us know your criteria (ie, bed count, budget, move-in date, pets, etc) and we will email you options. We also … (0 comments)

January 2011 - California Foreclosure Activity Update - www.4Malibu.com - 02/15/11 05:23 PM
Foreclosure sales bounced back to levels not seen since robo-signing moratoriums went into effect last fall. With significant increases in Arizona, California, Nevada, Oregon and Washington; foreclosure sales rose both in terms of properties that went Back to the Bank and those Sold to Third Parties, typically investors. As a result Bank Owned Inventories (REO) increased everywhere except in Oregon where banks sold more homes then they took back.
"We have not seen this level of activity on the courthouse steps for months," says Sean O'Toole, CEO and Founder of ForeclosureRadar.com. "The increase in foreclosures is just in time to provide … (0 comments)

Large housing inventories to be sold at deep discounts in 2011 - www.4Malibu.com - 02/14/11 05:32 PM
Foreclosure filings and completed foreclosures will reach record levels this year, after lenders exhaust alternatives such as mortgage modifications, according to DBRS.
Analysts expect increased losses to residential mortgage-backed securities, as a result, because large inventories of foreclosed homes will be sold at deep discounts. The ratings agency also expects the federal government to continue calling for large-scale loan modifications in 2011. This will now affect loans such as option adjustable-rate mortgages because most of the delinquent subprime mortgages have already been modified.
DBRS projects delinquency trends to continue climbing this year, as negative home equity persists, home prices remain down, … (0 comments)

Can you claim home buyer tax credit? - www.4Malibu.com - 02/14/11 05:09 PM
If you bought a home last year, you may be eligible for a tax credit of up to $8,000 when you file your 2010 tax return. But before you start shopping for hardwood floors, make sure you qualify. And even if you're eligible, you'll need to take extra steps to prove that your claim is legitimate.
Congress first enacted a home buyer's tax credit in 2008 in an effort to revitalize the housing market. Since then, the credit has been revised and extended several times. Here are the factors that will determine your eligibility for the credit:
•When you signed the … (0 comments)

Managing a Potential Flood of Foreclosures - www.4Malibu.com - 02/14/11 05:00 PM
You can talk all you want of renewed interest in housing, slowly increasing sales and supposed stabilization in prices, but the elephant in the room is slowly growing, and banks, Fannie, Freddie and the government know it. I'm talking about foreclosures.
REO inventory is rising. Four million seriously delinquent loans, out of 50 million first mortgage loans. There are still over 600,000 properties in REO, which will only put more pressure on prices when they come to market.Modification efforts have been somewhat  inadequate despite the 1.5 to 2 million modifications a year.  In the context of all the problems that we've … (0 comments)

Online mortgage shopping made easier - www.4Malibu.com - 02/14/11 04:44 PM
The vast amount of information available online about mortgages - such as interest rates, loan benchmarks, prepayment penalties, and the like - can cause home buyers to feel confused and overwhelmed when shopping for a mortgage.  Most surprisingly, a recent survey found that only 61 percent of homeowners surveyed said they comparison shopped for a mortgage, and 39 percent said they took out a home loan based on just one quote.
Resulting from consumer feedback about lending Web sites being unhelpful or difficult to navigate, some of the nation's leading mortgage sites have responded by working to become more consumer-friendly.  The … (0 comments)

California's million-dollar home sales on the rise - www.4Malibu.com - 02/14/11 04:32 PM
Although California home sales overall dipped during 2010, the more high-end home sales - those sold for $1 million or more - climbed upward for the first time in five years.
Last year, 22,529 homes sold for $1 million or more, up 21% from 18,621 in 2009 and the highest since 2008, when 24,436 homes sold for $1 million-plus, according to San Diego-based DataQuick Information Systems.
In 2005, million-dollar sales peaked at 54,773, after which they declined each year through 2009.
DataQuick suggests a reason for the increase may be because certain segments of the economy improved in the last year and … (0 comments)

Foreclosure filings down 17% in January as reviews continue - www.4Malibu.com - 02/10/11 09:16 PM
Lenders slowed by procedural reviews conducted foreclosure filings on 261,333 properties in January, a 17% drop from a year ago, according to RealtyTrac.
The company monitors default notices, scheduled auctions and bank repossessions (REO) in counties across the U.S. In 2010, foreclosures reached record highs, but RealtyTrac forecasted this year's filings to be even higher once the reviews are completed. January marked the third straight month of fewer than 300,000 properties receiving a filing, following 20 straight months of higher numbers.
Late in 2010, major servicers began reviews of documentation and processes when employees were found to be misfiling affidavits in … (1 comments)

Job Reports - Unemployment Rate - www.4Malibu.com - 02/08/11 07:11 PM
The Labor Department reported that just 36,000 jobs were created in January, with only 50,000 jobs created in the Private sector, much lower than the numbers anticipated. However, there were upward revisions to both November and December, which added another 40,000 jobs than previously reported.  But that's not the only bit of good news in the report. The Unemployment Rate fell to 9%, down from 9.4% last month, rather than increasing as had been expected. In addition, the U6 or "real" rate of unemployment, which includes discouraged workers and those who have accepted part-time employment for economic reasons, fell to 16.1%, … (0 comments)

Foreclosure inventory increased 10% in 2010 - www.4Malibu.com - 02/08/11 06:37 PM
The nation's foreclosure inventory increased 10% in 2010 as more delinquent mortgage loans entered  the foreclosure process, Lender Processing Services said in its latest LPS Mortgage Monitor Report this week.
At the same time, the mortgage analytics firm says delinquency rates on all mortgage products fell 18% in 2010 as the foreclosure process ended the life-cycle of many distressed loans.
Tepid foreclosure sales is keeping inventory high, LPS said, along with delays due to foreclosure moratoria and process reviews that cut the number of distressed properties in the real-estate owned segment of the market.
About 30% of the foreclosure starts in 2010 impacted … (0 comments)

Home prices drop for fifth straight month - www.4Malibu.com - 02/08/11 05:23 PM
December home prices fell 5.4% from a year ago, the fifth straight month of declines, according to data provider CoreLogic.
The decrease was steeper in December than the revised 4.39% drop in November. For all of 2010, though, home prices showed no change from the year before and some signs of stabilization. From 2008 to 2009, home prices fell 12.7%. CoreLogic Chief Economist Mark Fleming said 2010 was a year of volatility with the expiration of the homebuyer tax credit.
Despite the stabilization in 2010, home prices remain 31.6% below their peak in April 2006, according to CoreLogic.
… (0 comments)

The Benefits of Insulating Your Home - www.4Malibu.com - 02/08/11 05:08 PM
The importance of proper insulation became clear as the cost of energy began to rise.  Sealing and insulating outer walls, ceilings, windows, doors, and floors, offers several advantages.  It reduces energy costs, offers the ease of maintaining a comfortable temperature and, by reducing operating costs, insulation extends the life of heating and cooling systems in your home.
Drafts are easy to find because they are easy to feel, like those around windows and doors.  Typically, holes in attics, basements, and crawlspaces are bigger problems because of the impact they can have on your comfort as well as utilities bills.  It is … (0 comments)

5 steps to first-time-buyer happiness - www.4Malibu.com - 02/04/11 04:00 PM
The first step in the homebuying process is to find out what you can afford to pay for a house, condo or co-op. This will depend on the amount of cash you have available for a down payment, your credit, income, assets and overall financial situation.
 
Mortgage qualification is easier for buyers who work as employees whose income can be easily verified. Self-employed individuals or buyers with income from investments may find the qualification process more difficult.
 
A wrinkle in the financing end of the homebuying process is that it's not as easy to get a preapproval letter from … (0 comments)

Fees for home mortgages increase - www.4Malibu.com - 02/04/11 03:52 PM
For the first time since 2009, Fannie Mae and Freddie Mac are raising risk fees charged to lenders on loans they buy for resale to investors.  Fannie and Freddie also are adding risk fees to more loans offered to borrowers with exemplary credit.  Although lenders could absorb the cost, most are expected to add the fees to loan costs.
To avoid a fee or to receive a discount, most borrowers will need FICO scores of 740 or better and down payments of at least 25 percent.
The fee increases likely will affect most loans with terms longer than 15 years that … (0 comments)

Home prices showing life in 2011 - www.4Malibu.com - 02/03/11 06:07 PM
Home prices stopped declining in early January and even increased for the first time since August, according to the Clear Capital home price index.
Over the last three months, home prices did decline 1.6% from the previous period. But at the start of 2011, Clear Capital said prices began "showing life." The company's senior statistician Alex Villacorta said it is the first uptick since the homebuyer tax credit was in force. It expired in April 2010, and prices have dropped off since.
However, any conclusions of a recovery would be premature, but it was a positive sign.
This recent national change … (0 comments)

Mortgage modifications increase 42% in 2010 - www.4Malibu.com - 02/02/11 05:44 PM
Roughly 1.76 million homeowners received a modification on their mortgage in 2010, a 42% increase from the year before, according to the Hope Now alliance of servicers, investors, insurers and nonprofit counselors.
Modifications through the banks' own programs more than doubled the amount done through the government's initiative. Of the workouts completed in 2010, 1.24 million were done through proprietary programs, compared to the 512,712 completed through the Home Affordable Modification Program, which continues to draw critics.
Despite the increase, there is still work to do. Hope Now reported 2.87 million loans in 60-plus day delinquency, and while that is down … (0 comments)

Malibu Market Update (as of February 1, 2011) - Malibu Leases/Sales/Pendings - www.4Malibu.com - 02/01/11 07:15 PM
… (0 comments)

Reduce Your Risks: Expert Tips for Avoiding Online Fraud - www.4Malibu.com - 02/01/11 07:06 PM
•·         Talk to your bank. Especially before opening a new account, ask the bank how it prevents cyber theft and whether it will cover losses for business clients. If yes, ask your banker to sign an agreement to that effect. That kind of proactive stance is what will help motivate banks to get serious about cyber theft of their business customers.
•·         Keep tabs on your account. Check your online bank account daily, regardless of whether you performed banking activity. And change your banking passwords on a regular basis.
•·         Think before you click. Attachments loaded with malicious software can steal … (0 comments)

New California law dealing with the issue of carbon monoxide - www.4Malibu.com - 02/01/11 03:41 PM
There is a new California law dealing with the issue of carbon monoxide poisoning. The Carbon Monoxide Poisoning Prevention Act of 2010 (Cal. Health & Safety Code §§ 13260 et seq.) was signed into law this year.  It requires carbon monoxide detectors to be installed in every "dwelling unit intended for human occupancy."   The California legislature also modified both the TDS (for residential one-to-four unit real property) and MHTDS (for manufactured homes and mobilehomes) to include a reference to carbon monoxide detector devices.  See below for more details.
How do homeowners comply with this law? Every owner of a "dwelling unit intended for … (1 comments)

Warm up your kitchen with cozy colors - www.4Malibu.com - 02/01/11 03:27 PM
Whether you're an aspiring top chef, a novice cookie maker or anything in between, the kitchen can serve as the central meeting place for family and friends. Using warm wood colors and accents, while opting for the newest styles, instantly creates a more inviting look for your kitchen. Here are some ways to warm up your kitchen with color.
Delicious kitchen colorsSo many delicious colors are available to help you create an inviting mood in your kitchen. Many of today's hottest hues are inspired by favorite foods and pleasant kitchen experiences such as cooking, baking and entertaining. Examples include today's popular … (0 comments)

 

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