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orange county: The Wedding Season Survival Guide - 05/11/09 11:14 PM
Wedded dish
A wedding is supposed to be all about love. But somewhere between the third course, the sixth toast, and that second piece of cake (come on, you’re celebrating!), you’ll start to feel like it’s all about love handles — yours, specifically. Whether your hosts go for a traditional sit-down dinner or a trendy buffet, the key for you is smaller portions. You’ll feel like you tried a little bit of everything without feeling stuffed to the brim. Read on for our tips on what to eat. And don’t forget — wear comfortable shoes so you can burn off your dessert on … (1 comments)
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orange county: FIRST TIME HOME BUYER TAX CREDIT - 04/05/09 10:25 PM
The homebuyer tax credit is one of 10 key provisions of the American Recovery and Reinvestment Act signed by President Obama into law on Feb. 17, 2009.
The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not require repayment. Most of the mechanics of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit … (2 comments)
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orange county: A never-fail party recipe - 03/13/09 11:19 AM
A never-fail party recipe
Looking for a healthy recipe that makes you look like a gourmet cook? Look no further. The tuna in this dish is rich in lean protein and heart-healthy omega 3 fatty acids. Combined with avocados, which are high in monounsaturated fat, potassium, and the antioxidant lutein, it truly becomes a super-meal. And though it’s a very simple recipe, you can make it look fancy: When I have friends over, I put each serving in a martini glass. Try it at your next get-together — I guarantee you’ll have a hit on your hands!
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orange county: Life Goes On - 03/13/09 12:06 AM
Life Goes On!!!!
Life is too short..Grudges are a waste of perfect happiness..Laugh when u can, apologize when you should, and let go of what you can't change..Love deeply and forgive quickly..Take chances, give everything, and have no regrets..Life is too short to be unhappy..You have to take the good with the bad, smile when you're sad, love what you've got, and always remember what you had..Always forgive, but never forget..Learn from your mistakes, but never regret..People change and things go wrong, but always rememberLife goes on
Please contact us for any further questions
www.TheClowardTeam.com
Nancy & … (4 comments)
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orange county: U.S. Mortgage rates nudge closer to a record low - 03/12/09 10:13 PM
U.S. Mortgage rates nudge closer to a record low
U.S. mortgage rates fell in the latest week supporting government efforts to bring them down to levels that will spur demand and help the hard-hit housing market begin to recover.
Interest rates on U.S. 30-year fixed-rate mortgages fell to 5.03 percent for the week ending March 12 from the previous week's 5.15 percent, according to a survey released on Thursday by home funding company Freddie Mac.
Eight weeks earlier, mortgage rates were 4.96 percent, the lowest since Freddie Mac started the Primary Mortgage Market Survey in 1971.
"Mortgage rates had room … (1 comments)
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orange county: Feeling Good About Your Self - 02/24/09 05:02 PM
The Negativity Police Is your inner voice a trash-talker? If you've tried and failed to reach your fitness goals in the past, negative thoughts might have been what held you back. Want to succeed this time? Get your journal (or log on to your online Fitness Diary). It's time to get some of those thoughts out of your head and onto paper. Ask yourself the following questions:
1. Do you have a negative self-image?Do you constantly say things like "I'm fat" or "I'm ugly"? Do you pick yourself apart and beat yourself up when you look in the mirror?
2. Do … (1 comments)
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orange county: Mardi Gras .... Fat Tuesday!!!!!! - 02/24/09 04:56 PM
Mardi Gras may literally mean Fat Tuesday, but that doesn't mean you need to pack on pounds celebrating.
Ava's Healthy HurricaneServes: 2 Ingredients:
2 ounces light rum 2 ounces dark rum 2 ounces triple sec 2 cups lemon-lime flavored seltzer water 1 on-the-go packet Crystal Light Sunrise 1 on-the-go packet Crystal Light Fruit Punch Instructions:
Pour Crystal Light packs into seltzer and mix to dissolve. Add alcohol and stir well. Serve over crushed ice, and garnish with a slice of orange or pineapple. Nutrition contentPer serving (11 ounces): 185 calories, 0 g fat, … (3 comments)
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orange county: The Power of a Single Vote - 11/04/08 06:03 PM
The Power of a Single Vote - Laguna Niguel Election Information and Polling Places
This year promises to be one of the biggest elections ever. Even in areas that have been offering early voting, lines on Nov. 4th could be longer than normal, so be prepared: - Bring water, something to read and maybe even a small folding chair to sit on while you wait. If you can, consider carpooling to the polling place to avoid traffic snarls. - Make sure you have proper California ID with you. A photo ID is best. If you encounter problems voting in Laguna Niguel … (1 comments)
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orange county: Laguna Niguel, CA - 10/22/08 10:11 PM
Photo's of Laguna Niguel California
The Beach - Salt Creek
Laguna Niguel Skyline
Laguna Niguel Sunset
Laguna Niguel Skate Park
Laguna Niguel Regional Park
Laguna Niguel
Laguna Niguel Ritz Carlton
Nancy & Heather ClowardPrudential Clalifornia RealtyDirect: 949-495-2819 or 949-228-4523Nancy@NancyCloward.com or Heather@HeatherCloward.com
… (2 comments)
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orange county: Why It is a Good Time to Buy a Home - 10/21/08 11:08 PM
Why It is a Good Time to Buy a Home
Not sure what areas to buy?
When I represent a buyer who is relocating to Orange County or moving up from their current home, I ask them specific questions to analyze their needs. There are good areas in Southern California that make buying a good investment as well as short sales and foreclosure opportunities. A second thing I make sure they do is to get pre-qualified and pre-approved for a home loan. I am surprised at how many real estate agents do not urge their clients to do this before they go out looking at … (5 comments)
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Heather & Nancy Cloward The Cloward Team
Laguna Niguel,
CA
More about me…
Prudential California Realty
Address: 2 Ritz Carlton Suite 201, Monarch Beach, CA, 92629
Office Phone: (949) 495-2819
Cell Phone: (949) 228-4523
Email Me
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