Myrl Jeffcoat - Greater Sacramento Realtor - (916) 635-0420

Capitola and Santa Cruz - Along the Central California Coast

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sun, 06 Dec 2009 12:55:54 -0600

In addition to visiting the Monterey Bay Aquarium, Cannery Row and Carmel Mission last weekend, another area of the Central California Coast visited, was Capitola and the nearby Santa Cruz Beach Boardwalk.

We arrived fairly early in the quaint village of Capitola, with its Venetian multi-colored cottages, shops, and restaurants. The plan was to spend a little time soaking up a little morning sun on the beach, and then move north a few miles to Santa Cruz, when the Boardwalk woke up at Noon.

Right away, I noticed an unusually high number of people on the beach. And yes - in the water! The surfers in one area numbered easily more than 50. And with their slick black wetsuits they looked like seals frolicking in the surf.

Children were building forts out of driftwood accumulated on the beach. Dogs were leaping to catch a myriad of Frisbees, balls and sticks sailing through the air. But more noted were the hundreds of people all bundled up, and doing nothing but looking at the ocean. We soon discovered Santa was about to arrive, which explained the increased population and happy mood that prevailed.

It wasn't long out on the horizon we could see an outrigger with a bearded, red festooned character headed our way.

After the grandkids managed a visit with Mr. Claus we headed to Santa Cruz - the land of roller coasters, carousels, arcades, salt water taffy and salty fresh air.

How to Improve Credit After Experiencing Economic Woes

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sat, 05 Dec 2009 21:37:23 -0600

These last couple of years of economic woes have caused credit problems for many folks lately. Some have experienced bankruptcy or foreclosure - still others are late on payments.

But if you are one of the millions out there with bad credit, there are several things you can do to improve your position.

(1) One of the quickest and possibly best methods is to obtain and use a secured credit card to generate quick positive history on your credit report. A secured credit card reports very much like a regular credit card, but is easier to obtain because, you are essentially placing funds into the account as a deposit. All you need is a job, and the ability to make payments to the card.

The bank secures itself by holding the deposit from you, which is equal to your credit limit of the account. The lender will take the amount you owe from the deposit should you default. However, if you upgrade to an unsecured card, or cancel, your deposit is returned to you.

(2) Another simple way to enhance your FICO score is by reducing your limit to balance ratios on any credit accounts you may have. 50% is the magic number that you need to work toward. To provide an example, if you have a $5,000 limit, you need to try to reduce that to no more than $2500 on your balance. Your FICO score will drop anytime you go over this ratio.

You can reduce a balance fastest by either paying down your balance or calling the lender and asking them to provide you with a credit line increase. If this doesn't work, you can distribute balances to other cards keeping all balances to limit ratios less than 50%.

(3) A less effective credit repair tools that can still be useful, is labeled the piggyback method. To implement this tool you will need to have a relative or close friend with excellent credit, and credit account(s) with a low balance to limit ration. If your relative/friend is willing to add you as an authorized user, this can help infuse positive history on your credit report.

But, it is important to understand that if your relative or friend suddenly starts paying late, it may reflect on your credit as well. So be certain the person you ask for help with this credit improvement method is strong financially.

Last and not least, should you use a relative or close friend for this method, be just as certain to respect the assistance they have provided you. Make sure you are timely with your payments, and are honoring any agreements you made with them. After all, to not do so, not only will lose any good credit hopes you wished to obtain, but will likely lose you a valuable relationship as well.

Scenes from Mission San Carlos Borromeo at Carmel

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Thu, 03 Dec 2009 14:25:29 -0600

There is a jewel along the Monterey-Carmel coastline in California, that shouldn't be missed. It is the Mission San Carlos Borromeo at Carmel. Father Junipero Serra founded the mission in June of 1770. Originally the mission was established on the site of the present presidio Chapel in Monterey. However a year later Father Serra with a group of Indians moved the mission to its present location five miles away in the Carmel Valley - on the other side of the peninsula from Monterey.

Of the 21 missions, of the California Mission chain, the Carmel mission was Father Serra's favorite. He is buried in the floor of the alter there. Mission San Carlos Borromeo was also the second mission in the chain to be founded.

This past weekend, when my daughter, and two of my grandkids visited there, I was able to capture many of the scenes that make this mission one of my favorites as well. The structures are not as large as some of the other missions - especially the beautiful Santa Barbara mission; but the details and quaint intimacy create a special warmth that cannot be denied.

The missions of California, were established by the Spanish, during the period of this state's history that predated the more raucous antics of the California Gold Rush which began in 1849.

The Sacramento Bee Website Provides Interesting Resource

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Wed, 02 Dec 2009 19:19:06 -0600

There is a great resource on The Sacramento Bee website at:

http://ssl.sacbee.com/onboard/community.html

You can input a zipcode for areas within the Greater Sacramento region, and receive the demographics for the number of Home sales, population, households, crime and even the weather.

I input several of the Sacramento area zipcodes, and found the statistics for many of our local communities quite surprising.

Check it out!

Breaking Surface

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Mon, 30 Nov 2009 19:12:37 -0600

When folks from out of state begin planning a California family vacation, one of the first places they often think of is Disneyland. However, if they are fortunate enough to make their way to the Central California coast, there is another place that provides a different sort of Fantasyland, which isn't usually seen unless vision is allowed to break surface.

Over this past weekend, I spent a few hours with family at the Monterey Bay Aquarium. Even to my old jaded eyes, the wonder of all things great and small, dwelling in a watery environment creates special delight. There were Sea Otters, Jelly Fish, Sharks, Sea Horses, Anemones, Star Fish and Bat Rays. My grandkids enjoyed petting the Rays with their velvety skin.

Prior to a week ago, the aquarium played host to a Great White Shark. However, she was eating far too many of her roommates, and had to be released back into the wild.

Still, the aquarium presents many delightful things to see. Imagine for a minute, that you are standing with the group of people in front of that giant glass enclosure, looking at the multiple thousands of anchovies swimming swiftly in a school. Out of nowhere arrives a big shark at lightening speed right at them. The school creates a large hole in its midst as the shark swims through. We are only left to ponder how many anchovies were part of that dinner. Alas, I missed the shot!

If you don't look closely, there is a creature you may miss in the above slide show. It's green and it looks like a beautiful green leafed plant. But if you look closely, you realize it is actually what I found to be one of the more unusual creatures - a Leafy Sea Dragon. There were many different types of Sea Horses on display in the "Secret World of Seahorses" exhibit.

Trying to successfully photograph inside the aquarium wasn't the easiest thing I've done with a point and shoot camera. When I used flash, I would get light reflection bounced from the glass. Without flash, the shutter would remain open too long and the fish would become a blur.

However, I practice the old "safety in numbers" rule. Shoot enough pictures, and one or two of them are bound to be good enough to share.

If you are ever in Monterey, I highly recommend a trip to the Monterey Bay Aquarium

I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

Sunset Over the Pacific in John Steinbeck Country

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sun, 29 Nov 2009 18:32:48 -0600

Early in the morning, the day after Thanksgiving, my daughter and two of my grand-kids picked me up to visit John Steinbeck country in Monterey California. Author John Steinbeck is popular to many Californians as he provided written imagery to Monterey and the Salinas Valley during the Great Depression, with his books, "The Grapes of Wrath" - "Tortilla Flat" - and "Cannery Row."

We lodged in the Monterey "Cannery Row" area, visited the Monterey Bay Aquarium, The Wharf, and other sites, while also visiting Capitola, Santa Cruz and the Carmel Mission.

I'm exhausted this evening after just arriving home - but exhausted in a GOOD way! I'll finish processing the pictures, and post a little series of photo blogs in the next few days. I hope you all enjoyed the Thanksgiving holiday and weekend.

Happy Thanksgiving

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Thu, 26 Nov 2009 16:24:25 -0600

I was up early this morning throwing a turkey into the oven, while pulling pies out. There is a currently a small whirlwind of activity in the kitchen. It will be a raucous day at my house as my family comes through the door and gathers around the table.

However, I wanted to take this opportunity to wish you and yours, a very bountiful day. I hope there is much you can be thankful for.

Personally, I feel blessed for my family, my friends, and all of you I have met through the wonderful ActiveRain Community.

Have a Great Day and enjoy this Special Day - Happy Thanksgiving!

Nana's House Before They Arrive From Hither and Yon

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Wed, 25 Nov 2009 16:03:33 -0600

The photo above was taken at my house awhile ago. In just a few short hours my family will begin to gather from hither and yon for Thanksgiving dinner.

I wanted to take this opportunity to share one more recipe before the holiday. There will be 14 of us celebrating the big day. Here's a different twist for potatoes for a special meal.

Carolina Low Country Potatoes

9 - 10 medium - large Irish/Russet potatoes
1 medium to large Yam
Milk (enough to mash all potatoes)
Sour Cream (about 1/2 pint for this amount of potatoes)
Grated Cheddar Cheese (about 1 cup for this amount of potatoes)
Chopped Green Onions
Caraway Seeds (probably about 1 tsp, or so)
Fennel Seeds (probably about 1 tsp, or so)
Dash of Cinnamon (optional)

Directions:

Boil all potatoes to desired tenderness for proper mashing. Add enough milk (or chicken broth if preferred) to mash. Stir in sour cream, Grated Cheese, Chopped Green Onions, Caraway Seeds, Fennel Seeds, Cinnamon.

Serve Hot

[note from Myrl: This recipe is something I adapted from other Carolina Low Country recipes. I am one of those cooks, who doesn't own a set of measuring spoons. The recipe is forgiving, and very adaptable. I've added diced red and green peppers, sliced olives and other ingredients at times.

Rainbow Bridge at Folsom

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Wed, 25 Nov 2009 09:45:34 -0600

The beautiful Rainbow Bridge that crosses the American River in Folsom, continues to be used to this day. However, in recent years an additional more modern span was built down stream a few hundred yards to assist the bridge with the daily demands of traffic.

If you have heard of California's Folsom, then you probably became aware of it while listening to a 1956 Johnny Cash song titled, "Folsom Prison Blues."

The rich history surrounding Folsom began in the California Gold Rush days about 1849 or so, and with the arrival of the railroad. Gold had been first discovered along the south bank of the American River in the area. Because of the discovery, rail service became important.

Folsom is conveniently located along Highway 50 about 12 miles east of Sacramento.

*I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

Locating Legitimate Loan Modification Resources

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Tue, 24 Nov 2009 15:27:35 -0600

There are still many troubled homeowners, who are hoping to get a better mortgage, or take advantage of the lower interest rates currently available.

However, the news media has provided many reports about foreclosure scams, and many folks are a little gun shy of beginning the process that could very well improve their financial lot.

There are a number of qualified, honest and caring professionals trying to help the multitudes with loan modifications. But the question remains - How do you identify a legitimate agency from a scam?

The loan modification realm has been plagued with so many unscrupulous scam artists posing as legitimate loan modification, or housing counselors. They impose considerable pain and suffering on troubled homeowners who are often at their breaking point. Some are the very same folks that created the first wave of mortgage fraud that helped get us into this mess in the first place.

The answer to the burning question of how to find legitimate assistance is easier than you may think. Here is a list of warning signs you need to heed that you aren't working with someone that can help you best:

(1) Are they asking for upfront fees to assist you?
(2) Any "solution" that requires you to sign over the deed to your house.
(3) A request that you send mortgage payments to the "counselor."
(4) Any advice to not contact your mortgage lender or an attorney.

There are other signs as well, but the few above, are examples of some of the more common "red flags."

For locating the best certified legitimate counseling help available in your area, you can visit the Department of Housing and Urban Development website.

Also, awhile back MSNBC presented a great report on the foreclosure scam issue, and that report is available at: http://www.msnbc.msn.com/id/30141851

Good luck to you!

Living Greener While Saving Money

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Mon, 23 Nov 2009 16:36:26 -0600

There is no question that folks are trying to save dollars most any way they can in recent months. While it may seem difficult to cut costs in many areas, home energy costs can be reduced substantially with several important steps. Here are a few:

(1)   The costs associated with heating water in your home is typically about 12% of your utility bill. There are a number of ways to lower your costs for heating water. They include turning down the thermostat on your water heater, using less water, insulating your water heater, or buying a more efficient model. Another important way to save on your water heating bill as well as saving water in general, is to repair all leaky faucets and drips immediately.

(2)   Savings in Heating and cooling costs can be achieved easily by lowering the thermostat in Winter, and raising it in Summer. There is a premium for keeping the thermostat at 72% year round. It is also important to change the filter on your Heat and Air unit regularly.

(3)   Lighting costs can quickly and easily be lowered by switching incandescent bulbs for CFLs (Compact Fluorescent Bulbs)

(4) If you have a home built before the 1980s, performing an energy audit can be a very good way to assess what energy saving projects would be of considerable benefit to you. These audits usually include evaluating your insulation, and caulking around windows and doors, as well as possible savings from installing dual pane windows.

For a complete assessment and advisory on energy savings, visit the very informative http://www.energysavers.gov website.

Lingering From Summer Past

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sun, 22 Nov 2009 13:47:56 -0600

I'm experiencing an strange dichotomy of seasons in my yard this morning. While out raking the leaves of autumn, I came across this Flying Saucers Morning Glory, that hasn't received the message that first frost cannot be far away. Even the Impatiens, seem resistant to give up the ghost while displaying their beauty. Come December, I expect all this to quickly change! I continue to hope they will linger a bit longer and delight my family from the dining room window on Thanksgiving Day!

I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

Butternut Pumpkin Peanut Soup

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sat, 21 Nov 2009 17:59:47 -0600

My house is already quite busy getting ready for my family coming home for Thanksgiving. Did I ever mention that I have 4 children, and 7 grandchildren?

This morning I was hauling out the special recipes everyone likes.

The children of one of my daughters, will eat anything and EVERYTHING that is put in front of them. They will even eat things falling from the table, if my dog doesn't reach them first.

Then there are the children of my youngest daughter, who are picky eaters. One of them, my 9 year old grand-daughter is an avid Macaroni and Cheese eater. She doesn't want any special gourmet Mac and Cheese, like Nana makes - She likes it straight out of the Kraft box, cooked with the directions of the side panel, and "unmessed" with.

My oldest daughter is a vegetarian, so you can begin to see what is involved while cooking up a Thanksgiving feast at my house. However, there is one particular soup that they ALL seem to enjoy.

Here's the recipe:

1 Butternut Squash - peeled, cut in chunks, steamed or baked
1 Pumpkin (small) - prepared the same as the Butternut squash, or can substitute canned.
½ Cup Peanut Butter (smooth)
1 14oz can Coconut Milk
2 14 oz cans Chicken Broth
1 Tablespoon Ginger - grated
1 stalk Lemon Grass - cut into 3" - 4" lengths
Anistars (1 or 2)
1 tsp. Cinnamon
1 Tablespoon Garam Masala
½ tsp. Nutmeg
1 Tablespoon Allspice
1 Tablespoon Curry Powder

Preparation: Once Squash and Pumpkin have been cooked tender, put in blender and process with Grated Ginger. Place in large stock-pot with Chicken Broth, Peanut Butter, Coconut Milk. Simmer at low temperature.

Using a 12" square of cheese cloth, create a pouch to contain the Lemon Grass and Anistars. Add to soup and continue simmering.

Add desired spices - Cinnamon, Garam Masala, Nutmeg, Allspice, Curry, etc.

Simmer for an additional half hour, discard the cheese cloth spice pouch and serve.

*Note - This recipe is very forgiving. You can increase or decrease amounts of spices to suit your taste.

Sacramento Harvest Festival - Sacramento - This Weekend

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Thu, 19 Nov 2009 14:55:19 -0600

One of my favorite activities in autumn, is attending the Harvest Festival - Original Art and Craft Show, which is held at Cal Expo each year. The event presents a wonderful opportunity to view delightful crafts and entertainment for the whole family to enjoy.

I find it a great way to launch my holiday shopping. Always a great place to order personalized gifts for family and friends. . .Jewelry, and a multitude of other craft projects.

LOCATION -

Sacramento Cal Expo
1600 Exposition Blvd.
Sacramento, CA

HOURS -

Friday 10:00 am - 6:00 pm
Saturday 10:00 am - 6:00 pm
Sunday 10:00 am - 5:00 pm

PRICES -

Adults - $9.00
Seniors 62+ - $7.00
Youth - 13-17 - $4.00

Harvest Festival Website

New Friends Dressed as Twins

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Wed, 18 Nov 2009 15:16:37 -0600

Spotted in Puerto Vallarta, a tourist kid meeting a new pal dressed just like he is!

I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

When It Is A House Divided

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Mon, 16 Nov 2009 16:04:35 -0600

Hard economic times often take a toll on families, marriages and relationships. Real Estate Professionals are increasingly hearing of a trend - which may remind folks of the movie, "War of the Roses."

Current real estate market conditions have some divorcing couples looking to separate their lives, but realizing they can't afford to live apart until their home is sold.

Unlike a few years ago, when many homeowners had loads of equity to share, and really good credit, current times are providing many glimpses of reversal of fortune.

If you are one of those couples, and need to continue co-habiting until you get the house sold, and shore up your financial situation better, there are things you can do to make life a little easier for yourselves in the interim.

It is also important to understand that staying together can actually have a positive effect on marketing your home. Home Buyers have become quite sophisticated in recent years, and have a knack for sniffing out signs of Sellers in distress. Seeing that a couple continues to be together in a home can remove a bit of the appearance of distress - even if it is painful for you!

If you are a divorcing couple and find yourself in a forced cohabitation situation until your home sells, there are a few things that you can do to make the experience a little easier.

1) The two of you should sit down and discuss your situation as peacefully as possible. Perhaps putting yourselves into a mindset that you will continue as roommates for a few months until the house is sold. You are together in the house in the physical sense - even though the emotional sense has changed.

(2) Negotiate with each other the mortgage payments, utilities, and other household expenses, and address the duties for upkeep. Doing this early on, will help alleviate problems from popping up in the midst of this living arrangement - which weren't addressed early on.

(3) If there are children in the home, please put the children and their well being first and paramount in your consideration. Doing so, will help you focus on things more important than your own discomfort. If the children suffer less distress, it will be easier for all of you.

With a little thought and consideration, you can be successful in selling your home, and making what could be a bad situation work well, and to your benefit.

Good Luck to you!

A Bridge Between Two Counties

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sun, 15 Nov 2009 10:30:01 -0600

In addition to pure raw and perfect nature scenes showing little touch by human hand, I have an appreciation for structures that demonstrate a certain iconic flavor - bridges often contribute to that fabric.

The old cantilever swing bridge pictured above is known to Sacramentans as the I Street Bridge, which connects Sacramento County to Yolo County. It is in close proximity to Old Sacramento, and connects to West Sacramento a few blocks from Raley Field - Home of the Sacramento RiverCats Baseball Team. The bridge was built in 1911.

I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

Ballparking a Mortgage Payment

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sat, 14 Nov 2009 16:53:06 -0600

It isn't unusual for folks to call and express curiosity about trying to ballpark a mortgage payment based on an interest rate and number of mortgage years.

Although there are a number of mortgage calculators available on-line, some individuals enjoy having certain interest rate factors in their head - or pockets, that they can multiply per thousand of loan amount.

The table below provides factors for each interest rate between 4.00% and 5.95%. And does so for mortgages of either 15 years or thirty years.

These payments would include principle and interest, and would not include any additional costs for taxes and insurance.

It can be a simple way to calculate affordability, while out shopping for a home.

Simply multiply the approximte mortgage amount by the factor indicated for prevailing interest rate and the number of years desired,

Monthly Payments (Per $1000 in Principal)

Sutter's Fort - In the Heart of Sacramento

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Fri, 13 Nov 2009 17:59:05 -0600

After state budgetary woes threatened access at some of California's State Parks earlier this year, announcement of new hours for Sutter's Fort has been made.

The fort is now closed on Mondays, but all other days of the week will find it open as usual; other than on certain holidays. This is great news for Californians, and especially school children eager to learn about our rich California Gold Rush history.

In 1839, John Sutter, a Swiss immigrant acquired a land grant in the Sacramento Valley from the Mexican government. The land was used to create a growing agricultural enterprise, which Sutter named, New Helvetia (New Switzerland.) New Helvetia was Sacramento's earliest settlement and the first non-Indian settlement in California's Central Valley.

Sutter sent assistance and aid to the Donner Party In 1847. The group of immigrants had become trapped in a winter storm in the Sierra Nevada Mountains. Ultimately, Sutter became known for his hospitality and for providing temporary refuge to travelers. New Helvetia became the destination for many early immigrants to California.

Less than a decade after the Fort was established, gold seekers overran Sutter's properties and the Fort is all that remains of New Helvetia. It has been restored to its former state based on an 1847 map published in Darmstadt, Germany and is open daily for tours.

Open Tuesday - Sunday 10:00 am to 5:00 pm - Closed Mondays, Thanksgiving, Christmas and New Years Day

Admission:

Adults $5 (18 years and older)
Youth $3 (ages 6 to 17)
Children Free (5 and under)

Location-Directions

The park is located in midtown Sacramento between K and L Streets and 26th and 28th Streets.

Traveling on I-80, from San Francisco, take Business 80/Hwy 50 east. Take the Business 80 exit (north towards Reno) to the N Street turn off. Travel straight on 30th Street then turn left under the freeway at L Street to the Fort which will be located on your right.

Tuesday thru Saturday, bring quarters for the parking meters. Parking is free on Sundays.

Facilities - Opportunities
The Fort is available for private parties and gatherings for a fee.
Call for availability and information: (916) 445-4422.

A self-guided audio tour is available.

Website for California State Parks - Sutter's Fort

Improving Credit to Qualify for a Home Mortgage

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Thu, 12 Nov 2009 18:19:57 -0600

In these tough times, it isn't unusual for real estate professionals to come across clients, who would like to purchase a home, but are a tad skinny on qualifying for a new mortgage.

It is interesting to note that in fairly short order, a buyer can improve their finances enough to more readily allow for easier qualification of a home loan.

For instance, if you are someone, who has a few credit card or consumer bills coming in each month, there are steps you can do which will help allow for a swifter loan payoff, or more readily get yourself out of debt.

One of the more notable ways is to ask for a lower credit card interest rate, from your existing credit card lenders. A major consumer group conducted a study to find out how easy it was to get a lower credit card interest rate. Fifty-seven percent (57%) of those who simply telephoned their credit card company and asked for a lower interest rate got one instantly. This rate was anywhere from 7 to 10 points lower than their credit card interest rate.

For success in this area, it is important to: (1) Have a good credit rating. There should be no late payment notations on your credit report and you should have a good credit score; (2) You should not have a high debt-to-income ratio, and you should not be carrying a big balance on your credit card; (3) You should also be trying to send in more than the minimum payment each month; (4) You should have an excellent payment record with that particular creditor; (5) The credit card ins not one that is categorized as a "sub-prime", meaning it is not a secured credit card or one marketed exclusively to those with bad credit.

When you call and ask for a lower interest rate, your reasoning should be based on the argument that you deserve it because you're an excellent customer or you're getting better offers from other credit card banks.

In addition to the suggestions mentioned above, another way to get out of debt faster, or to improve your standing, is to look at other consumer loans you have. For instance, perhaps you have a car loan, or are paying off some furniture. If the car or furniture loan is near the payoff date, and it is a hefty amount you are paying each month, perhaps you could go ahead and pay it off early. This removal of a high bill each month, could significantly improve your standing on a credit report.

Surviving Navajo Code Talkers Break Silence

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Wed, 11 Nov 2009 12:01:28 -0600

From the time I first heard of the Navajo Code Talkers, either from documentaries or Hollywood renditions of them, I became fascinated by their history.

For those who are unaware, the Code Talkers, used their Navajo language-encrypted military terms to stymie the Japanese during World War II at Iwo Jima, and other Pacific battles. Between 1942 and 1945, they served in every Marine assault in the South Pacific - helping the U.S. to prevail.

The Code Talkers were sworn to secrecy about the code. Because of its complexity even other Navajo Marines were unable to decipher it.

This Veterans Day, of the 500 Code Talkers, there are only about 50 which continue to survive. However yesterday, thirteen of the Code Talkers - some in wheelchairs, and some using canes, arrived in New York City, for participation for in the country's largest Veterans Day parade today.

On the KCRA - Channel 3 Sacramento Website is a great article on this extraordinary group of veterans. Click Navajo Code Talkers Break Silence For Veterans Day for a fascinating read.

To Put Things in Perspective

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Tue, 10 Nov 2009 19:52:57 -0600

Awhile back, I watched a travel documentary, which spoke about the California Gold Rush, and the Nevada Comstock Load. According to what was presented, in TODAY'S dollars, the gold taken from the California Mother Lode would be worth approximately $13 billion, and the silver extracted from the Nevada Comstock would fetch $6 billion.

Consider for a moment, the government bailout of AIG has been $180 billion

That's multiple times more than the entire COMBINED current value of the gold and silver taken from the California Gold Rush, and the Nevada Silver Comstock.

It certainly puts into perspective the value of things, and adds new dimension to the term, "Too big to fail." Pretty amazing isn't it!

California Wine Country and The Valley of The Moon

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Mon, 09 Nov 2009 08:10:42 -0600

I know many folks think that Jack London is a man's author. There are probably far fewer women who cozy to his words. I am one that does!

From the first time I picked up a Jack London book, I was hooked. Visions invoked from his artfully crafted words came to life. "The Call of the Wild" - "White Fang" - "The Sea Wolf" - They grabbed my imagination and wouldn't easily let go.

Friday evening, I fell asleep thinking a little about his wanderings in life, especially along the Valley of the Moon - in beautiful California Wine Country.

I woke early Saturday morning - Napa Sonoma Wine Country, and its Valley of the Moon, needed a visitor.

Heading north and west from Sacramento approximately 60 miles, found me arriving at the threshold of London's footsteps. Napa, Sonoma, St. Helena and Calistoga, a perfect place to photo capture the color of the autumn leaves, and to treasure away a few special bottles of wine, for Thanksgiving dinner.

It is amazing how fall gifts Wine Country this time of year - the spectacular colors, smells, and crisp autumn air, create a dalliance of delicacy to pamper the senses.

Thinking of Wine Country immediately creates visions of glasses filled with the fine wines nurtured better in Napa Valley than most any place on earth. Cabernet Sauvignon, Gamay Beaujolais, Pinot Noir, Merlot - What are your favorites?

But Wine Country has other delights! In Calistoga, Doc Wilkinson's Spa, is famous for its mud baths and other spa treatments; or you can simply marinate your frazzled soul in the warm mineral pools. A special wine country weekend can take in a day of wine tasting, a stroll through the villages, a nice Italian dinner, and then off to a good night of sleep. Begin day two by finding your way to the mud baths, a spa or the mineral pools. By second day's end, you will be ready to face life's realities once again.

After leaving the Domaine Carneros Winery known for their sparkling wines, and its palatial location at the top of a magnificent Napa Valley hill, I traveled further along the road to Beringer Vineyards, next to the celebrated Culinary Institute of America at Greystone. The Culinary Institute offers classes for culinary arts as well as for wine enthusiasts. Charles Krug Winery is well placed across the road - helping make St. Helena, a powerhouse of Napa Valley wineries, and vintner mastery devoted to the grape.

Once finished with the shopping of wines, I drove to another area of the valley. Calistoga boasts its own "Old Faithful" Geyser. Not unlike its counterpart in Yellowstone, this "Old Faithful" periodically bursts a natural fountain, on a less than predictable schedule, averaging about every 40 minutes.

Along the road to the geyser, a slight breeze caused the colors, yellow, gold, orange, red, purple, brown and green to perform a tango on the vines without intermission.

Several Jack London quotes came to mind Saturday and applied to circumstance. They are as follows:

I would rather be a superb meteor, every atom of me in magnificent glow, than a sleepy and permanent planet.
Life is not a matter of holding good cards, but sometimes, playing a poor hand well.
One cannot violate the promptings of one's nature without having that nature recoil upon itself.
There is an ecstasy that marks the summit of life, and beyond, which life cannot rise. And such is the paradox of living, this ecstasy comes when one is most alive, and it comes as a complete forgetfulness that one is alive.
You can't wait for inspiration. You have to go after it with a club.

Speechless Sundays - Wine On The Vine

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sun, 08 Nov 2009 06:00:25 -0600

I was in California's Wine Country yesterday. This morning I was going to present a slide show and narrative. However, in keeping with the Speechless Sunday theme, I'll keep it brief. This will also allow me more time to work with the images from my camera. I will be posting the photos and story tomorrow for the ActiveRain Photo Blogger Group. So stay tuned!

I take pictures for the purpose of remembering fond times. I do not impose copyright restrictions on this photo, so you may feel free to use, or distribute as you wish. However, should you need a Real Estate Professional in the Greater Sacramento area, I hope that you will contact me by email or by visiting my website www.myrljeffcoat.com - Thank You!

Signs You May have Toxic Drywall in Your Home

Myrl Jeffcoat (GreatWest GMAC Real Estate) — Sat, 07 Nov 2009 21:24:31 -0600

Jennifer Sarandow Schultz via The New York Times has provided a great article on the unfolding issues with imported Chinese drywall. Some clues that may help you determine whether you have a home with Chinese drywall, with higher levels of certain chemicals than domestic version are as follows. But first contact your home's builder, who may be able to immediately answer the question for you.

A sulfuric or rotten egg smell.
Corrosion (or blackening) of metal items like bathroom fixtures.
Health problems like itchiness, difficulties breathing and headaches.

On the Product Safety Commission website, there are images of what corrosion from faulty drywall products can look like. They also have a Q&A on the subject within its broader drywall information center.

To access a more complete article on this subject you can click on the following link: The Telltale Sings of Chinese Drywall