Suzzette's Blog

Acai Berry Monavie

Suzzette Walls (Tarbell,Realtors) — Mon, 09 Jun 2008 20:07:24 -0500

Acai Berry - "Star of Newest Health Craze" in NBC Report

Posted by admin February 27, 2008

It may be the hottest health product on the market. Mona Vie is a fruit juice that promises to ease pain, boost energy and improve overall health. And even though it's $45 a bottle, it's still selling like crazy.For Clyde and Donna Huffman, looking younger and living longer means working out on a regular schedule. But it also includes something - Mona Vie fruit juice.

"When you're 69-years-old and about to be 70, you have aches and pains. They come with age, now I have energy abounding," said Donna Huffman. "I'd like to look younger, live longer and I want to be as healthy as I can."

Mona Vie is made up of 19 fruit juices. But its star ingredient is the acai berry, plucked straight from the rain forests of Brazil.

"It's the best the world has to offer in fruit," said Shelly Aristizabal, a top distributor for Mona Vie. "It's being taken to market through independent distributors."

She went from being a stay-at-home-mom to making hundreds of thousands of dollars in less than two years.

"If you can do something you believe in and you're passionate about, and you can share it with everyone and get amazing amounts of money to do it, it's the perfect business model," said Aristizabal.

Doctor Fred Liebowitz has a pain management practice in Fort Myers. For him, it's about making his patients feel better with fewer drugs.

"It's doesn't claim to cure disease. It's basically good nutrition that most people should be taking on a daily basis," said Dr. Liebowitz.

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ACAI ,Mona Vie

Suzzette Walls (Tarbell,Realtors) — Mon, 09 Jun 2008 19:33:04 -0500

Superfood No. 1: Açaí

Nature's Energy Fruit

It may seem odd to start this list of superfoods with one you've likely never even heard of. But studies have shown that this little berry is one of the most nutritious and powerful foods in the world! Açaí (ah-sigh-ee) is the high-energy berry of a special Amazon palm tree. Harvested in the rainforests of Brazil, açaí tastes like a vibrant blend of berries and chocolate. Hidden within its royal purple pigment is the magic that makes it nature's perfect energy fruit. Açaí is packed full of antioxidants, amino acids and essential fatty acids. Although açaí may not be available in your local supermarket, you can find it in several health food and gourmet stores (often in juice form). A new product featuring the unsweetened pulp is now also available, and I highly recommend that you choose this form of açaí.

Açaí pulp contains:

A remarkable concentration of antioxidants that help combat premature aging, with 10 times more antioxidants than red grapes and 10 to 30 times the anthocyanins of red wine. A synergy of monounsaturated (healthy) fats, dietary fiber and phytosterols to help promote cardiovascular and digestive health. An almost perfect essential amino acid complex in conjunction with valuable trace minerals, vital to proper muscle contraction and regeneration.
The fatty acid content in açaí resembles that of olive oil, and is rich in monounsaturated oleic acid. Oleic acid is important for a number of reasons. It helps omega-3 fish oils penetrate the cell membrane; together they help make cell membranes more supple. By keeping the cell membrane supple, all hormones, neurotransmitter and insulin receptors function more efficiently. This is particularly important because high insulin levels create an inflammatory state, and we know, inflammation causes aging.

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cancer help juice

Suzzette Walls (Tarbell,Realtors) — Fri, 02 May 2008 19:38:22 -0500

Timothy Sr. & Suzzette Walls

Independent Distributor

tim.sr@hotmail.com
Contact Me

Take Control Of Your Future

MonaVie^TM
CHANGING LIVES AND LIFESTYLES

English - French - Japanese - Korean
Mandarin - Portuguese - Spanish

The Story of MonaVie requires Macromedia FLASH 8. If you hear audio but
do not see video click here to download the FLASH 8 player update.

Humanity has been waiting for MonaVie. And MonaVie has a mission--a daunting one. It begins with helping people enjoy a greater degree of wellness. MonaVie delivers dense, abundant, powerful nutrients that are transforming lives with remarkable swiftness!

A global, surging demand for natural and SAFE health solutions guides another part of MonaVie's mission--enabling individuals to build a legacy for their families by taking the MonaVie message to the masses.

MonaVie's roots reach deep into the Amazon where the rainforest is home to one-third of the world's species of animal and plant life and where deforesting is threatening habitat and ecosystems.

MonaVie's most renowned ingredient, the legendary Acai Berry, is one of the few Brazilian exports that can directly protect the mighty rainforest itself. As word of the extraordinary benefits of drinking MonaVie reaches across nations and oceans, harvesting the rainforest FRUITS will become wiser Brazilian commerce than harvesting the trees themselves.

Indeed, one of the greater facets of MonaVie's mission might well be in helping to save the rainforest, the lungs of the world, for future generations.

MonaVie Powered by Xennsoft

MonaVie juice

Suzzette Walls (Tarbell,Realtors) — Fri, 02 May 2008 19:25:10 -0500

Timothy Sr. & Suzzette Walls

Independent Distributor

tim.sr@hotmail.com
Contact Me

Take Control Of Your Future

MonaVie^TM
CHANGING LIVES AND LIFESTYLES

English - French - Japanese - Korean
Mandarin - Portuguese - Spanish

The Story of MonaVie requires Macromedia FLASH 8. If you hear audio but
do not see video click here to download the FLASH 8 player update.

MonaVie Powered by Xennsoft

miricle juice

Suzzette Walls (Tarbell,Realtors) — Mon, 07 Apr 2008 14:48:54 -0500

Timothy Sr. & Suzzette Walls

Independent Distributor

tim.sr@hotmail.com
Contact Me

Take Control Of Your Future

MonaVie^TM
CHANGING LIVES AND LIFESTYLES

English - French - Japanese - Korean
Mandarin - Portuguese - Spanish

The Story of MonaVie requires Macromedia FLASH 8. If you hear audio but
do not see video click here to download the FLASH 8 player update.

healthy juice

Suzzette Walls (Tarbell,Realtors) — Sun, 06 Apr 2008 16:23:56 -0500

THE OPPORTUNITY THE STORY THE SCIENCE SHOP ONLINE MY STORY HOME

andrew walls

Independent Distributor
stuntfame@yahoo.com Contact Me

A GIFT FROM THE AMAZON

MonaVie^TM
CHANGING LIVES AND LIFESTYLES

English - French - Japanese - Korean
Mandarin - Portuguese - Spanish

The Story of MonaVie requires Macromedia FLASH 8. If you hear audio but
do not see video click here to download the FLASH 8 player update.

monavie

Suzzette Walls (Tarbell,Realtors) — Sat, 05 Apr 2008 18:09:09 -0500

Timothy Sr. & Suzzette Walls

Independent Distributor

tim.sr@hotmail.com
Contact Me

Take Control Of Your Future

MonaVie^TM
CHANGING LIVES AND LIFESTYLES

English - French - Japanese - Korean
Mandarin - Portuguese - Spanish

The Story of MonaVie requires Macromedia FLASH 8. If you hear audio but
do not see video click here to download the FLASH 8 player update.

Beaumont Gas Prices

Suzzette Walls (Tarbell,Realtors) — Tue, 02 Oct 2007 09:14:59 -0500

Local Gas Prices

Fuel Related Advice

Top 5 Fuel Efficient Vehicles*

*Based on EPA fuel economy data for city driving.

Gas Prices for 92223	Detailed Pricing Information
Every night MSN Autos receives pricing data from over 90,000 gas stations across the nation. Please note that gas prices in your area may change more frequently than we can obtain them.*

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Dates below indicate last data update for that price. Data provided in cooperation with OPIS.*

Prices for 92223

#	Station/Brand	Address	Unleaded	Plus	Premium	Diesel
	Unbranded MORONGO BAND OF MISS	49020 SEMINOLE DR Cabazon, CA 92230	$2.939 10/01/07	$3.099 10/01/07	N/A	$3.299 10/01/07
	VALERO SSN CORPORATION	32749 YUCAIPA BLVD YUCAIPA, CA 92399	$2.959 10/01/07	N/A	N/A	$3.199 10/01/07
	VALERO BANNING VALERO	775 E RAMSEY ST BANNING, CA 92220	$2.999 10/01/07	N/A	N/A	$3.359 10/01/07
	76 BEAUMONT UNOCAL 76	502 BEAUMONT AVE BEAUMONT, CA 92223	$2.999 09/30/07	$3.099 09/30/07	$3.199 09/30/07	$3.179 09/30/07
	CHEVRON CHEVRON # 9280	31412 YUCAIPA BLVD YUCAIPA, CA 92399	$2.999 10/01/07	$3.119 10/01/07	$3.179 10/01/07	$3.199 10/01/07
	CHEVRON CHEVRON 208600	499 SANDALWOOD DR CALIMESA, CA 92320	$2.999 10/01/07	N/A	$3.199 10/01/07	$3.399 10/02/07
	Mobil HARKEN MARKTNG	35112 WILDWOOD CANYON RD Yucaipa, CA 92399	$2.999 10/01/07	N/A	$3.199 09/30/07	N/A
	Valero LOMA LINDA OIL COMPA	501 HIGHLAND SPRINGS AVE Beaumont, CA 92223	$2.999 10/01/07	N/A	N/A	$3.359 10/01/07
	SHELL PARVIZ NASSIRI	1213 CALIMESA BLVD CALIMESA, CA 92320	$3.009 09/30/07	N/A	N/A	N/A
	SHELL THE SOCO GROUP	33928 COUNTY LINE RD CALIMESA, CA 92320	$3.009 09/30/07	N/A	N/A	N/A
	76 BRYANT STREET UNOCAL	12045 BRYANT ST YUCAIPA, CA 92399	$3.039 09/30/07	N/A	N/A	N/A
	CHEVRON CHEVRON #20749	48320 SEMINOLE DR CABAZON, CA 92230	$3.059 10/01/07	$3.119 09/30/07	N/A	N/A
	CHEVRON CHEVRON # 4886	290 S HIGHLAND SPRINGS AVE BANNING, CA 92220	$3.099 10/01/07	$3.199 10/01/07	$3.299 10/01/07	$3.359 10/01/07
	CHEVRON CHEVRON #20845	3230 W RAMSEY ST BANNING, CA 92220	$3.099 10/01/07	N/A	N/A	$3.359 10/02/07
	CHEVRON CHEVRON #20845	827 W RAMSEY ST BANNING, CA 92220	$3.099 10/01/07	$3.199 10/01/07	$3.259 10/01/07	$3.359 10/01/07
	SHELL MEHDI LAVASANI	2192 W RAMSEY ST BANNING, CA 92220	$3.099 09/30/07	N/A	N/A	N/A
	SHELL YUCAIPA SHELL	34429 YUCAIPA BLVD YUCAIPA, CA 92399	$3.179 09/30/07	$3.049 09/30/07	N/A	N/A

Developers at a bust

Suzzette Walls (Tarbell,Realtors) — Tue, 25 Sep 2007 16:48:58 -0500

Developers helped build a bust

Home builders that rushed into the mortgage business in recent years joined lenders and Wall Street in halting the housing boom.

By Mara Der Hovanesian, BusinessWeek

More on BusinessWeek.com

Elizabeth and Armando Motto are living a real-estate nightmare with a new breed of monster: the big home builder as lender. In November 2005, the couple, who have four children, agreed to pay $540,000 for a newly built three-bedroom house in suburban Clarksburg, Md., near Washington, D.C. Rather than send them to a bank, the builder, Beazer Homes USA Inc., offered to provide a mortgage itself in an arrangement of the sort that helped fuel the long housing boom across the country.

But when it appeared that the Mottos might not qualify financially for the loan, things took a troubling turn. Beazer, according to the couple, inflated the pair's earnings in loan-application documents by incorrectly stating they were collecting rental income from the house they were leaving. "I don't want to misrepresent myself," Elizabeth said in e-mail correspondence with Beazer's outside mortgage service, dated July 14, 2006. But in the end, the couple signed the documents, and soon after they closed on the Clarksburg house.

They now regret it. The Mottos moved to Clarksburg, but they haven't succeeded in unloading their previous home in Rockville, Md. They have nearly $1 million in mortgage debt on the two dwellings. With $145,000 in family income, Elizabeth says, they are "on the brink of foreclosure" on both houses. "We are so broke."

More on MSN

Beazer, one of the dozen or so large publicly traded builders that have started or stepped up mortgage-lending businesses to put more buyers in freshly finished houses, declines to discuss specific customers. The Atlanta company has much more than the Mottos to worry about. On Aug. 1, its stock fell nearly 18% on rumors that it was preparing to file for Chapter 11 bankruptcy court protection -- which Beazer swiftly denied, calling the Wall Street gossip "scurrilous and unfounded." Just five days earlier, Beazer revealed that the Securities and Exchange Commission had elevated an informal inquiry into its mortgage business to a formal investigation. The company warned that criminal penalties could follow. Earlier this year, Beazer received a subpoena from the Justice Department seeking documents related to its home loans. The company also is under civil investigation by the North Carolina Attorney General's Office.

Leslie H. Kratcoski, Beazer's vice president for investor relations and corporate communications, says in an e-mail that the company "intends to continue to fully cooperate with all related inquiries but does not have further comment at this time."

Egged on by Wall Street

A diverse cast of characters combined to launch the once-in-a-lifetime housing boom of the past five years. Traditional mortgage companies and banks unleashed a barrage of loans, many to borrowers with iffy credit histories who didn't bother to read the fine print about upwardly mobile interest rates. Wall Street egged on the often-reckless underwriting by buying vast quantities of home loans for repackaging as securities. Now that the boom has fizzled and foreclosure rates are rising, the important role of large home builders as lenders is coming into sharper focus.

In addition to spitting out subdivisions, many of which now stand half-empty, builders jumped into the mortgage business to a degree they hadn't before. Wall Street provided the same encouragement it offered other lenders. Even as the housing supply began to exceed demand last year, builders kept sales brisk by pushing adjustable-rate, interest-only and other risky loans. In some cases they attracted clientele who couldn't afford conventional mortgages. In others, builders allegedly violated federal lending standards to get customers to sign on the dotted line. KB Home paid a record $3.2 million settlement in July 2005 to resolve allegations by the U.S. Department of Housing and Urban Development that the builder's mortgage unit overstated borrowers' income, among other practices, to obtain loan approvals. KB, which denied wrongdoing, sold its loan business before settling.

"Home builders really started to push these more aggressive mortgages down the throats of potential buyers to boost sales," says G. Hunter Haas IV, who, as head of mortgage research and trading for Opteum Financial Services, had an insider's perspective on the proceedings. Opteum has served as a middleman between Wall Street and builders. The Paramus, N.J., firm provided developers with financing for their mortgage operations, then resold the loans to investment banks, which packaged them as securities and hawked them to hedge funds and insurance companies. The whole process added liquidity to the market and made it easier for developers to build and sell expansively.

But by early this year, Opteum's home-loan business was going sour. The investment banks and their clients were rejecting builder-originated loans as too shaky and likely to go into default, Haas explains. Some homes were turning out to be worth less than builders had claimed, and some borrowers didn't have the income noted on applications. "Home builders were getting sloppy, and Wall Street was giving more scrutiny," Haas says. In June, Opteum decided to get out of home-loan brokering.

Until the market turned, the growing heft of the largest developers made it easier for them to obtain Wall Street financing for their mortgage businesses. Once dominated by modest local firms, the industry in the past two decades has seen the emergence of sizable publicly traded corporations such as Pulte Homes, Lennar and Centex, each of which has a market capitalization of $7.5 billion to $8.5 billion. The 10 largest builders together had revenues of $98.8 billion last year, up from only $9.3 billion in 1992. Public companies built 27% of all new homes in 2006, compared with 8% in 1992. And in Denver, Las Vegas and Phoenix -- markets that were scorching hot until recently -- public companies put up 55% or more of the new houses.

Busy developers that provided Wall Street with equity-underwriting business discovered they had friends in the investment banking world. "Once builders got larger and a little bit more predictable, they were able to borrow money from various credit markets, borrow from Wall Street, and expand more easily," says Thomas W. Smith, a building-industry analyst with Standard & Poor's Equity Research, which, like BusinessWeek, is owned by The McGraw-Hill Companies.

For a while during the boom, the big builders could do no wrong in Wall Street's eyes. The Dow Jones U.S. Select Home Builders Index surged 290% from October 2002 to July 2005 as the profits of the 10 biggest developers more than tripled. But the pressure to beat quarterly expectations didn't relent when more and more new subdivision homes stood empty. Providing loans to financially marginal buyers was one way some developers tried to prop up their financial performance, says S&P's Smith. "You're trying to support earnings at high levels, so it's conceivable that greed gets into people's minds," he says.

Now the bust is taking a brutal toll. In January, industry analysts predicted that the 10 biggest builders would have average earnings per share of $3.69 for 2007; the latest forecast is for a loss of $1.18.

Ghost towns

Sheer overbuilding, a symptom of every housing bubble, is the most obvious explanation for the new ghost towns sprinkled around the country. But increased builder lending helped feed the trend. Statistics are scarce because developers don't break out their lending revenues, but some analysts track "capture rates," or the percentage of home sales financed by builders themselves. Pulte Homes, the largest developer by market cap, had a capture rate of 90% last year, up from 64% in 2000, according to Daniel Oppenheim of Banc of America Securities. No. 3 Centex had a rate of 80% for the fiscal year that ended in March, up from 61%.

By the time marginal buyers fall behind on their payments, the builder has usually sold off their loans to Wall Street. But the human fallout can be found in neighborhoods around the country.

Several developments built recently near Columbus, Ohio, by Dominion Homes Inc. are scarred with empty houses, overgrown yards and front windows with neon-orange foreclosure stickers. Dominion often offered "buy-down" mortgages in which it forgave or reduced early payments, according to borrowers. One young couple, Travis and Kelly Gunther, say this enticement helped persuade them to borrow all of the $180,300 they paid in 2004 for a Dominion home in a neighborhood called Williams Creek. Kelly has worked intermittently as an executive assistant; her husband, a plumber, recently went to Iraq to work for a private contractor. Kelly claims Dominion told her the couple's initial monthly payment of $1,160 would rise $100 a year, to $1,360 in 2006. Instead, the payment rose by more than $200, to $1,599. She says Dominion salespeople described homeowner-association fees of $50 a year that ballooned to $285, and taxes turned out to be double the company's projection.

Although she feels misled, Kelly concedes that she and Travis didn't carefully scrutinize the fine print spelling out their loan terms. "I wanted the house with the tree-lined streets," she says. Earlier this year the Gunthers lost their Dominion home in a foreclosure and are moving to a nearby rental apartment.

Adrian Lee, a firefighter in Pataskala, Ohio, is negotiating to avoid foreclosure on the new four-bedroom house he bought from Dominion in 2004. "I know I'm in too much house for what I can afford," he says. Admitting that he shares blame for his predicament, Lee says of the Dominion sales team: "They didn't explain the [$163,800] loan to me. I didn't know after the buy-down mortgage that my payment would be so high. The same people who help you get a home won't help you maintain and keep it."

The foreclosure next door

Lori M. Steiner, a senior vice-president with Dominion, says in an e-mail that the Dublin, Ohio, company doesn't discuss individual customers. But Dominion says it diligently reviews each sale to make sure buyers are financially prepared to take on the mortgages they seek. The company says it has done extensive research in the Columbus area and that the spike in foreclosures there reflects broader economic problems that have nothing to do with its financing business. Ohio, hurt by a loss of manufacturing jobs, has one of the highest foreclosure rates in the nation, along with California, Florida, Michigan and Texas.

Even some home buyers who are content with their loans claim they've been injured by builders' lending to others. Robert V. Phillips, a lawyer in Rock Hill, S.C., represents residents of a subdivision in Columbia, S.C., who allege in a federal court suit that the value of their homes has fallen as a result of foreclosures stemming from Beazer's reckless mortgage practices with other customers. The suit, which seeks class-action status, claims that Beazer salespeople encouraged prospective buyers to "falsify information on loan applications." This made it "inevitable that the subdivisions ... would experience a foreclosure rate which significantly exceeds the statewide average," and that has hurt the value of the plaintiffs' houses, the suit alleges.

Beazer has filed a motion to dismiss the action, noting that the plaintiffs don't claim to have been misled or directly harmed by the company. "The complaint," Beazer argues, "is based upon speculative allegations of causation and conclusory statements."

Beaumont Weather

Suzzette Walls (Tarbell,Realtors) — Tue, 25 Sep 2007 16:44:38 -0500

Weather ForecastBeaumont, CA

Day	Forecast	Description	Precip chance
Detailed ten-day forecast			°F \| °C
Today Sep 25 Details	Clear Hi: 87° Lo: 60°	Day: Sunny skies. High 87F, humidity 20%. Winds ENE at 5 to 10 mph.	0%
Today Sep 25 Details	Clear Hi: 87° Lo: 60°	Night: Clear skies. Low 60F. Winds light.	0%
Tomorrow Sep 26 Details	Clear Hi: 91° Lo: 60°	Day: Sunny skies. High 91F, humidity 20%. Winds E at 5 to 10 mph.	0%
Tomorrow Sep 26 Details	Clear Hi: 91° Lo: 60°	Night: Clear skies. Low 60F. Winds WSW at 5 to 10 mph.	0%
Thursday Sep 27	PM Clouds Hi: 91° Lo: 60°	Cloudy skies. High 91F and low 60F. Winds W at 10 to 15 mph.	0%
Friday Sep 28	Clear Hi: 84° Lo: 55°	Sunny skies. High 84F and low 55F. Winds W at 5 to 10 mph.	0%
Saturday Sep 29	Clear Hi: 82° Lo: 54°	Sunny skies. High 82F and low 54F. Winds SW at 5 to 10 mph.	0%
Sunday Sep 30	Clear Hi: 85° Lo: 55°	Sunny skies. High 85F and low 55F.	0%
Monday Oct 01	Clear Hi: 85° Lo: 54°	Sunny skies. High 85F and low 54F.	0%
Tuesday Oct 02	Clear Hi: 81° Lo: 54°	Sunny skies. High 81F and low 54F.	5%
Wednesday Oct 03	Fair Hi: 77° Lo: 52°	Sunny skies. High 77F and low 52F.	20%
Thursday Oct 04	Fair Hi: 73° Lo: 50°	Mostly clear skies. High 73F and low 50F.	20%

10 big tax break's

Suzzette Walls (Tarbell,Realtors) — Thu, 20 Sep 2007 09:29:03 -0500

10 big tax breaks for the rest of us

It's not just the rich who shelter huge amounts of income from the IRS. See how you stack up.

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By Jeff Schnepper

Think the rich guys get all the tax breaks?

Wrong, deduction denier.

In fact, most of the big tax breaks go to middle-income earners like you and me. We don't call them tax shelters. But that's really what they are.

The tax pros call these shelters "tax expenditures." These darling deductions and credits have the same impact on the federal budget as direct expenditures. That's because they represent dollars not collected by the government. And each of these expenditures gives special or selective tax relief to certain targeted groups of taxpayers.

Sounds like a tax shelter -- or at least a loophole -- to me.

These targeted provisions either encourage some desired activity or provide special aid to certain taxpayers. Some of them make a lot of sense. For example, the federal government seeks to encourage certain forms of investment. So, Congress has legislated accelerated rather than straight-line depreciation on new plants and equipment. This produces more tax savings up front, creating additional capital for business to expand.

Tax-advantaged investments help create new businesses and new jobs. These new jobs produce more paychecks, and those additional paychecks produce more taxes. In the long run, if everything works as it should, everyone wins.

Some tax expenditures have been adopted as relief provisions to ease tax hardships or to simplify tax computations. The elderly and the blind receive special financial benefits through a deduction called the "additional amount," which is added to their standard deduction. Other tax benefits for the aged -- the retirement income credit and the potential exclusion of Social Security payments from taxable income -- also fall into this personal or hardship category.

Cost: $1.2 trillion per year

Back in 1980, the Congressional Budget Office identified 92 provisions that qualified as tax expenditures, at a cost of $206 billion. President Bush's fiscal year 2005 budget listed individual tax and corporate expenditures projected at more than $1,202,106,000,000.

The financial benefits offered by these tax expenditures resemble those available on the spending side of the budget. A tax expenditure provision can provide special tax relief in any of the following ways:

Special exclusions, exemptions and deductions. These reduce taxable income and result in a smaller tax bills. Examples are tax-exempt municipal bond interest, the exclusion of employee discounts from taxable income, and dependent-care assistance programs.

Preferential rates. These reduce tax bills by applying lower rates to all or part of your income. Congress gave taxpayers a big one in 2003: the new special maximum tax rate on long-term capital gains or on qualified dividends. (It's 5% for taxpayers in the 15% bracket or lower; 15% for everyone else.) While the dividend and capital gains breaks are available to all, it is true that higher-end taxpayers will derive more benefit than anyone else. The Citizens for Tax Justice estimates that more than half of the benefits will go to taxpayers with incomes above $145,000.

Special credits. These are subtracted from your tax bill, rather than from the income on which your taxes are figured. For example, the child tax credit or the foreign tax credit.

Tax deferrals. Deferrals let you pay later rather than now. These deferrals really constitute interest-free loans from the IRS. The best-known deferrals today are the contributions we make to Individual Retirement Accounts, 401(k) accounts or similar retirement funds.

More from MSN Money

The other side of big spending

Tax-expenditure spending and direct spending are two sides of the same coin. Nearly any tax expenditure can be recast as a spending program. One side reduces the revenues collected. The other side increases the actual cash outflows. The real difference is nothing more than a choice between alternative administrative mechanisms.

So much for the theory. In fact, just like spending provisions, these tax expenditures are really the result of pressure applied by special-interest groups seeking relief provisions for their own constituencies.

For example, the additional amount added to the standard deduction for the blind isn't available for the deaf. I suspect this may have more to do with the political and lobbying power of the two groups than with any inherent difference between the hardships.

What kind of savings are you getting from your own expenditure tax shelters? A lot, according to a 2006 report by the Joint Committee on Taxation on tax expenditure estimates for fiscal years 2006-2010. Check out the tax shelter deals you may be getting. (Note: These are ranked by size.)

The biggest tax breaks

And if you're not claiming these tax breaks, investigate to see if you can.

Health-care benefits. You don't pay any tax when your employer pays the premiums for your health insurance and health care. Cost to the government over these five years: $534 billion. This total doesn't include the estimated cost for deductible health insurance and long-term care insurance premiums. That's an additional $22.6 billion.

Contributions to retirement accounts. You don't pay any current tax when you or your employer sock money away in pension and retirement plans. Cost to the government: $706.5 billion.

Lower rates on dividends and long-term capital gains. Cost to the government: $438.1 billion.

The mortgage-interest deduction. We all love the deduction for home-mortgage interest. But renters and those who own their homes free and clear get nothing. Cost to the government: $402.7 billion. About 79% of the taxpayers who claimed this deduction on their 2005 returns earned $50,000 or more. About 40% of the total earned between $50,000 and $100,000.

State and local income/sales taxes and personal property taxes. You get a deduction for state and local income or sales taxes and personal property taxes paid. Cost to the government: $148.5 billion. About 81% of the 44.2 million returns that claimed this deduction had income of $50,000 or more. About 43% had incomes between $50,000 and $100,000.

Charitable contributions. Very noble of you. But the rest of us kick in a part of your cost. Cost to the government: $240 billion. About 83% of the 39.2 million tax returns that claimed this deduction reported earnings of $50,000 or more. About 41% of the total had earnings of between $50,000 and $100,000.

Children under age 17. The child tax credit puts $1,000 per child in your pocket. Cost to the government: $230 billion. About 50% of the 31.6 million tax returns that claimed this deduction reported earnings of $50,000 or more. And 69% of that group earned between $50,000 and $100,000.

The earned income credit. You qualify for the earned income tax credit, which is targeted at low-income taxpayers. Cost to the government: $218.3 billion. About 92% of the tax returns that claimed this benefit last year had earnings of $40,000 or less.

Life insurance or annuity contracts. No current tax on the inside investment income. Cost to the government: $147.1 billion.

You die. The basis for all of your assets (the value at which you start to calculate potential capital gains) is stepped up to fair market value on the date of your demise. That means that the tax on all capital gains you earned up to the date of death is lost. Cost to the government: $290.2 billion.

The total for the 10 above? $3.378 trillion over five years. And I haven't even mentioned that the deduction you get to take for property taxes on your home will cost the feds $73.8 billion over the next five years.

And the big break you now get on any profits from selling your home: Another $128.4 billion.

I'm not saying that any of these exclusions, deductions, or credits is a bad idea. I'm just shining a light on the fact that all the breaks don't really go to the big guys.

I guess that if the expenditure puts money in my pocket, it represents good, sound tax policy.

On the other hand, if I'm a renter in a state with a high sales tax and no income tax, your deductions for interest, real estate tax and state income tax are coming out of the taxes I pay. And you're the one with a real tax shelter. I'm the one making up the difference.

Beaumont Weather

Suzzette Walls (Tarbell,Realtors) — Wed, 19 Sep 2007 19:07:50 -0500

Extended Weather ForecastBeaumont, CA

Day	Forecast	Description	Precip chance
Detailed ten-day forecast			°F \| °C
Special weather statement
Today Sep 19 Details	Clear Hi: 73° Lo: 47°	Day: Sunny skies. High 73F, humidity 30%. Winds WNW at 10 to 15 mph.	3%
Today Sep 19 Details	Clear Hi: 73° Lo: 47°	Night: Slight chance of light rain. Low 47F. Winds SW at 5 to 10 mph.	20%
Tomorrow Sep 20 Details	AM Rain Hi: 66° Lo: 48°	Day: Slight chance of light rain showers. High 66F, humidity 50%. Winds W at 15 to 20 mph.	20%
Tomorrow Sep 20 Details	AM Rain Hi: 66° Lo: 48°	Night: Slight chance of light rain showers. Low 48F. Winds WNW at 10 to 15 mph.	20%
Friday Sep 21	Showers / Clear Hi: 61° Lo: 48°	Likely moderate rain showers with slight chance of thunder. High 61F and low 48F. Winds W at 15 to 20 mph.	65%
Saturday Sep 22	T-storms Hi: 73° Lo: 49°	Slight chance of thunder with light rain showers. High 73F and low 49F. Winds SW at 5 to 10 mph.	70%
Sunday Sep 23	Clear Hi: 82° Lo: 52°	Sunny skies. High 82F and low 52F. Winds W at 5 to 10 mph.	10%
Monday Sep 24	Clear Hi: 83° Lo: 55°	Sunny skies. High 83F and low 55F.	1%
Tuesday Sep 25	Fair Hi: 88° Lo: 60°	Sunny skies. High 88F and low 60F.	0%
Wednesday Sep 26	Cloudy Hi: 89° Lo: 53°	Cloudy skies. High 89F and low 53F.	0%
Thursday Sep 27	Fair Hi: 75° Lo: 50°	Sunny skies. High 75F and low 50F.	10%
Friday Sep 28	Fair Hi: 71° Lo: 47°	Mostly clear skies. High 71F and low 47F.	15%

Tips on todays market

Suzzette Walls (Tarbell,Realtors) — Tue, 18 Sep 2007 10:16:22 -0500

How to sell in a buyer's market

You've got to be proactive on price, marketing and more. Here are 10 steps to take before you plant the "for sale" sign.

By Dana Dratch, Bankrate.com

On Bankrate.com

If you're selling your home this year, be prepared for a marathon, not a sprint.

In most places, those heady days of putting a property on the market, receiving multiple bids, getting more than you expected, and accepting an offer in just days or weeks are over.

Now, for most houses in most parts of the country, it's a buyer's market. That means that more houses are for sale, there are longer stretches on the market, and prices have slowed, plateaued or, in some places, decreased.

Sellers "need to be prepared for a sustained effort," says Colby Sambrotto, chief operating officer of ForSaleByOwner.com.

Homes are staying on the market for about four months, according to the most recent averages from the National Association of Realtors.

If you plan to plant your "for sale" sign, here are 10 things you can do beforehand:

1. Recognize every market is different. Your state, town or neighborhood could dovetail with national numbers or buck the trend entirely. "There really is no national market," says Sambrotto. "There's a patchwork of regional markets." Never rely solely on one person's advice or opinion. Talk to a handful of professionals, do your own research and listen to your gut instinct.

2. Get your home inspected. "Before I would even call a real-estate agent, I'd have my home inspected," says attorney Diana Brodman Summers, author of "How to Buy Your First Home." Some real-estate agents advise against spending the money (basic inspections range from $200 to $400, according to a 2004 survey from the American Society of Home Inspectors), because the buyers will get one anyway prior to closing. Others recommend it because it gives sellers an early warning on any repairs they might have to make.

But in this market, says Summers, it's better to be proactive. "I would rather know what the inspector is going to find and be able to fix it -- and pick who will fix it," she says. This method also allows you to shop around for the best price instead of perhaps paying an inflated price later on.

More on MSN

3. Shape up before marketing. A buyer's market means you've got more competition. "You want to put your best foot forward," says Eric Tyson, co-author of "House Selling for Dummies." If your home isn't appealing and in good repair, potential buyers won't even stop. Some sellers think it's OK to skip this step and take less, but if the house is not appealing, you may not get the chance to negotiate. "Six weeks before you want to put it on the market is a great time to get it done," says Summers. You don't need to renovate, but make sure everything looks good and works well. Easy ways to make your home stand out:

New paint. Paint the whole house, if it needs it, or just the trim, shutters and door to freshen up.
A clean entryway. Sweep or pressure-wash the front walk and porch. Polish the outdoor metalwork, clean the windows and glass, and replace any burned-out bulbs in outdoor lighting. And, if you can, add planters with flowers.
Lush landscaping. Think new mulch, sharp edging, a healthy lawn and beds of flowers.

"Maximize your chances of people being excited about your listing when it hits the market," Tyson says.

4. Devise a marketing plan. Do you want to use a real-estate agent or would you rather sell it yourself? If you try doing it yourself, set a time limit after which you want to enlist the aid of a professional. Selling it yourself can save you the real-estate commission (usually about 6 percent), which can be an advantage in a tight market. But in a buyer's market -- or rapidly changing market -- it can help to have a little professional expertise to price, market and move your property. And don't forget, potential buyers may think that if there's no agent involved, the price should already be 6 percent less. Both buyer and seller can't save the same 6 percent.

5. Check into company relocation assistance. Are you moving to take a new job? If so, the company might offer resources to make selling your house easier, says Summers. Some companies will even provide a list of real-estate pros who will work with you at a discount. If you're selling in a tight market, every little bit helps. Best source: Call your human-resources department.

6. Interview real-estate agents. If you're interested in using an agent, interview several early on about listing your home, says Tyson. "Ask them for their advice," he says. "That's a good way to select an agent." What would they highlight about your home? What would they change before it goes on the market?

Ask to see an activity list -- a list of all the buyers and sellers they've represented, the areas of town and the price ranges. You don't want private details, says Tyson. But you want to see if they've worked in your neighborhood, in your price range and if they have a track record of successful sales.

How old are the comparable sales (often called "comps") they are showing you? A few years ago, you could study comps that were six months or a year old. This year, because many markets are changing, you want neighborhood comps that are no more than three months old, says Summers.

And find out how long each has been a professional. Experience counts. "If you're going to pay 5 to 6 percent, you might as well get the best your money can get," says Tyson.

7. Set a price. The rules are different in soft markets. "You don't overprice your house 20 percent to leave wiggle room for negotiating," says Tyson. That kind of strategy might never be a good idea, but it can really backfire in 2007. It's not a matter of being willing to negotiate. If your price is too high, potential buyers may not even look at it. And they may very well see a negative message in such a high price. "Those who overprice their homes in this market are wasting everyone's time," he says.

If you're not using an agent, get your own comps -- from the local paper, from sites such as Zillow.com and Realtor.com -- to see how similar houses in the area are priced. Also find out which newspaper in your area publishes notices when properties are sold. Sometimes it's the local daily or legal paper. Tracking those is a good way of learning actual sales prices, as opposed to asking prices.

Then set a realistic figure. Your goal: to maximize the chances that the perfect buyer will actually see it, Tyson says.

To get an idea of what's going on now, you want recent comps. But you may also want to look at comparables from the past six months. "You will see trends," says Patricia Fitzgerald, broker/owner of Coastal Properties in Jupiter, Fla. Are properties moving? Are prices holding steady or are sellers dropping prices?

Pricing is strategy. And much of it comes down to just how motivated you are to sell -- or how quickly you have to leave.

If you plan to pad the price, it's "an art, not an exact science," Tyson says. "Five to 10 percent is one thing. Fifteen to 20 percent and you have a problem."

Two more points to consider:

Modern technology. Agents and buyers most likely are using computers to search for properties. If you want to sell yours for about $400,000, consider listing it at $399,999 rather than $400,500. That way, a computer search of anything between $350,000 and $400,000 will include your listing.
Commissions aren't add-ons. Don't add the real-estate commission to the value of the home to come up with your asking price, says Tyson. If you use an agent, the fee comes out of your share of the profits. Otherwise, "you're going to get penalized for overpricing your house," he says. Instead: Try negotiating your commission with the agent. When the recent seller's market was in full swing, it was easy to get agents to list your property for as low as 4 percent (split with a co-broker). They knew the property would sell in days or weeks and their marketing costs would be low. Now it's reversed. Agents commonly are looking at four to six months to sell a property, which increases their marketing expenses. This makes them hesitant to offer a discount.

Beware of hidden financing costs. Not all financing is the same from a seller's point of view. With some types of financing, such as FHA and VA home loans, the seller pays the points on the loan. Understand the different types and what will be required of you as a seller, because that could affect how much you net in a sale.

8. Understand your price. While you don't want to undervalue your house, many sellers today won't make as much as neighbors who sold last year, says Summers. If you have your heart set on a certain amount and find out that houses aren't selling for that, you may "have to change your mind and sit on the house," she says.

9. Get rid of the junk. "This year, it's more important because buyers are going to be more fussy," says Summers. "Buyers are going to come in with an attitude." Throw things out, ship them early or rent a storage locker. But clear out that clutter. Buyers look for space and light. To show it off, you need to be able to tour a group comfortably through the house, as well as actually walk into those "walk-in" closets.

10. Stay on top of the market. "You must be aware of market changes," says Summers. That's one reason she recommends using an agent. Stay on top of what is happening with mortgages and finance rates, keep looking at comps and "see trends before they happen," she says. "The real-estate market is still in a time of correction. You have to be so careful with both buying and selling."

This weeks Weather in Beaumont

Suzzette Walls (Tarbell,Realtors) — Mon, 17 Sep 2007 09:42:47 -0500

Beaumont, CA

Local forecast
Hourly
Ten-day
Maps
Averages

Current Conditions (as of 6:55 AM)

Today's forecast

°F | °C

Mostly Cloudy 57°F

Feels like: 57°F

Barometer:	30 in
Dewpoint:	51°
Humidity:	79%
Visibility:	10 miles

Wind:	3 mph SW
Sunrise:	6:32 AM
Sunset:	6:51 PM
UV Index:	0 Low

Observed at Riverside / March Air Force Base.
All times shown are local to Beaumont.

Today

Hi:	82°
Lo:	49°

Clear

9 AM

70°

Fog

Noon

78°

Clear

6 PM

74°

Clear

Hourly forecast (next 48 hours)

Five-day forecast (Details)

Tomorrow

Sep 18Clear

Wednesday

Sep 19Mostly Cloudy

Thursday

Sep 20AM Rain

Friday

Sep 21Sprinkles

Saturday

Sep 22Fair

Hi:	85°
Lo:	49°

Hi:	73°
Lo:	50°

Hi:	72°
Lo:	51°

Hi:	73°
Lo:	52°

Hi:	80°
Lo:	54°

If your home is sold in Forclosure you might be 1099 for taxes.

Suzzette Walls (Tarbell,Realtors) — Mon, 17 Sep 2007 09:36:03 -0500

Lost your home? You may owe IRS

Even if you received no money from a foreclosure sale, you may have to pay capital-gains taxes on the phantom income. And that's not all.

By Kay Bell, Bankrate.com

More from Bankrate.com

If you thought a foreclosure ended the financial miseries associated with your former home, think again. You soon could be hearing from the IRS about taxes due in connection with the residence you no longer own.

"You can walk away from the big house payment, but not from the potential tax implications," says John W. Roth, senior tax analyst at CCH in Riverwoods, Ill. "And if you couldn't afford the mortgage, you probably can't afford the taxes."

As the lending crisis continues to shake out, more homeowners, particularly those who used creative mortgages to buy their houses, could be in this predicament. Even longtime homeowners who refinanced their properties based on increased value when the real-estate market was hot could find themselves in tax trouble if they lose their properties to the bank.

Forgiven but not forgotten

In many cases, the tax problem associated with a foreclosure arises from a seemingly benevolent move: The lender forgives some of the loan. This happens when a lender and a borrower negotiate a reduction in loan amount. Or when the lender forecloses on the property and sells it for less than the outstanding mortgage.

In both instances, the difference for which the borrower is no longer responsible is considered cancellation-of-debt, or COD, income. It also is called discharge-of-indebtedness income or discharge of debt. Regardless of the name, under the tax code, it's all taxable income. The tax on COD is calculated at ordinary rates, which range from 10% to 35% and depend upon your income.

"People who advise you to walk away talk about payment consequences, not the tax consequences," says Frederick M. Stein, RIA senior analyst from Thomson Tax & Accounting. "If they owe $50,000 and $10,000 is forgiven, they think of it as a gift. It may be a gift from the lender, but not from the IRS."

More on MSN

How much and what type of tax the IRS expects after a foreclosure depends in large part on whether the loan is "recourse" or "nonrecourse."

With a recourse loan, the debtor is personally liable for the debt. In a foreclosure, if proceeds from the home sale don't cover the outstanding mortgage, the debtor must pay the difference. This includes interest that accrues during the foreclosure process.

Nonrecourse debt is secured by the loan collateral. If money from the sale of the property doesn't cover the outstanding debt, the lender has no legal ability to get the additional funds from the debtor.

A sale is a sale is a sale

But with either type of loan, a foreclosed-upon homeowner could end up owing capital-gains taxes without ever receiving any money from the foreclosure sale.

"Foreclosure is not a sale in normal terms, but it is still treated under tax code as a sale," says Stephen Trenholm, CPA, MST (master's degree in taxation) and tax manager at Rucci Bardaro & Barrett in Boston.

"The outstanding balance of the mortgage is compared to the basis in house. If that produces a gain, it's a taxable gain. If it's a nonrecourse mortgage, it's a capital gain."

That's right: Even though you aren't selling the house and the bank is, the IRS views the transaction as if you were the seller. That means you could owe taxes on the sale. The bad news comes directly from the IRS, via Publication 544:

"If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. The foreclosure or repossession is treated as a sale or exchange from which you may realize gain or loss. This is true even if you voluntarily return the property to the lender. ... You figure and report gain or loss from a foreclosure or repossession in the same way as gain or loss from a sale or exchange. The gain or loss is the difference between your adjusted basis in the transferred property and the amount realized."

The calculations take into consideration any cancellation-of-debt income and the type of mortgage. Here's an example:

Let's say a homeowner has nonrecourse mortgage debt of $110,000 and $20,000 equity, or "adjusted basis," in the home, which has a fair market value of $100,000. The owner has no ordinary tax liability for that $10,000 difference between his debt and the home's value. But what about the $90,000 difference between the mortgage debt and his basis in the house ($110,000 less $20,000)?

That is seen as taxable capital gain from the "sale or other disposition" of the home. So even though the foreclosed-upon owner didn't get any cash from the transaction, he still owes taxes on what is known as phantom income. The only good news is that the taxes are collected at the lower 15% (or 5% for lower-income taxpayers) capital-gains rate.

If that same homeowner's mortgage was recourse debt and his lender forgave the $10,000 difference between the outstanding loan and the home's fair market value, the foreclosed-upon owner would owe ordinary taxes on the 10 grand. In addition, his capital-gains bill would be based on $80,000 -- the property's fair market value of $100,000 less his $20,000 adjusted basis.

For some struggling homeowners, the taxes on forgiven debt or phantom income are all too real.

"If it's $10,000, that's a relatively small spread; $2,000 to $2,500 in federal and state taxes," says Ted Lanzaro, CPA and owner of an accounting firm in Shelton, Conn. "But it's not just the working man having this problem. Everybody's getting in over their head these days.

"If you have a $700,000 mortgage and the bank can only get $500,000 in a foreclosure sale, now you're talking about some tax liability."

And don't think the IRS won't find out. The agency has a mechanism to catch foreclosure sales. The lender is supposed to issue a 1099-C to alert the former homeowner and IRS of the canceled debt and, in certain cases, a 1099-A showing the information you need to figure your gain or loss.

"Some people are moving and the 1099 has trouble catching up," says Gary Garwitz, tax partner with BKD in Springfield, Mo. "If you're in that situation and had a mortgage you didn't pay off, make sure you get that 1099."

The IRS definitely will get its copy and expect the associated taxes. If the taxes aren't paid, penalties and interest will be added.

"The IRS is far more tenacious than most banks," says tax analyst Roth. "Their responsibility is to collect the tax on the income you have."

Home-sale exclusion still applies

There is one bit of good news for our hypothetical homeowner and others dealing with foreclosure-induced taxes. You can get out from under at least part of the IRS bill if you meet the homeownership tax-exclusion rules.

This popular tax break allows a single homeowner who sells his property under the usual circumstances to exclude up to $250,000 profit from taxes; the exclusion is $500,000 for married couples filing jointly.

The exclusion also applies in foreclosures. As long as the "seller," in this case the foreclosed-upon owner, lived in the home as his principal residence for two of the past five years, he can avoid taxes on any capital-gain profit, phantom or real.

Bankruptcy and insolvency solutions

Two other circumstances offer tax relief in foreclosures, but both could cause other financial problems.

If a homeowner can show he's insolvent before the discharge of the mortgage and turnover of the property, as well as afterward, proceeds are not taxed. However, says CPA Trenholm, "insolvency is a little tricky. There's no strict definition of what assets (go in the calculation), but for the most part, a lot of people caught in the real-estate crunch can establish that condition."

The other option is bankruptcy.

"Forgiveness debts, in these cases, are not taxed," says Roth. "They don't want the bank chasing them down, which is why many times people going through foreclosure also go through bankruptcy."

However, filing for bankruptcy has its own set of considerations. "New bankruptcy rules don't give (filers) a lot of relief," says William S. Bost, a member of the Raleigh, N.C., law firm Ragsdale Liggett. "If you have a job and are making money, the new bankruptcy rules don't give you a whole lot of help. It gives you some time, but I don't think that's necessarily the way to go.

"It used to be like going to church -- you walk in and walk out absolved -- but it's not like that anymore," says Bost. "Now, it's not worth the pain you pay the rest of your life."

One thing lending and tax experts all agree on: If you're facing foreclosure, take action as soon as you realize you're in trouble. And get professional help to determine exactly what your personal tax liability might be in the transaction.

Lanzaro has two other recommendations: "The best advice is, don't buy a house you can't afford, and don't get an adjustable-rate mortgage."

Other options

If you're stuck with more house than you can pay for, you have a couple of options in addition to foreclosure. Either is likely to reduce the stress of this terrible time and probably will do a little less damage to your credit report.

Each, however, still has tax and other potential long-term financial implications.

Short sale: This real-estate transaction has become popular among homeowners who are having problems making payments on a mortgage that is more than their house is worth. Rather than waiting for the bank to foreclose, the owner works with the lender to complete a sale of the home for less than the loan balance.

"You have a property you're just trying to get out from under," says Paul Haarman, vice president of Renaissance Mortgage in Salem, N.H. "Everybody is all lined up at the table and the buyer buys the property and the lender agrees to the price. You have a $250,000 debt, the bank nets only $220,000 and that $30,000 is written as a foreclosure shortage."

A short sale keeps a foreclosure from showing up in your credit record, but the shortfall will appear there as a delinquent loan. It's not as bad as a foreclosure, but, says Bost, "It's on the credit report and, as a (future) borrower and consumer, it will haunt you."

Deed-in-lieu of foreclosure: In this case, says Trenholm, the homeowner basically says to the lender, "I want to save you some time, some money. How about I just turn over the property?"

This way the foreclosure process is avoided, which will help the borrower, because it won't show up on a credit record. However, it could still show up on a credit report as forgiven debt.

This process has "pretty much the same tax consequences as a foreclosure," says Trenholm. Because you are being relieved of the indebtedness on the property, for tax purposes it's still considered sale of the property.

"All it does is make it a little bit easier to go through the process," he says.

Tax liabilities remain

The argument for short sales and deeds-in-lieu is that they are beneficial to strapped borrowers. From a tax and financial perspective, however, they don't really matter.

"All of these situations are basically the same," says Stein. "The mechanics and timing may be a little different, but essentially in all of them at some point a lender is saying to the borrower you don't have to pay the rest of what you owe. When he tells the borrower that, that's cancellation-of-indebtedness income."

"The only benefit," says Bost, "is the 'It's over' factor."

Information to help Mortgage mess

Suzzette Walls (Tarbell,Realtors) — Wed, 12 Sep 2007 16:59:16 -0500

How to escape a mortgage mess

If payments on your adjustable-rate mortgage are about to go up, act now. Plus, tips for mortgage shoppers.

By Mark Trumbull, The Christian Science Monitor

From CSM and MSN

Stress in the nation's mortgage industry is putting a financial squeeze on home buyers and homeowners alike.

Buyers are finding it harder to obtain home loans as lenders tighten their credit standards or even go out of business.

Homeowners with adjustable-rate mortgages (ARMs) face a double whammy. House prices are falling even as their monthly home payments adjust upward in a big way. So when ARMs reset, many may find they can neither make their payments nor sell the house for enough money to cover the loan.

With October identified as a peak month for such scheduled resets, can this group of homeowners escape from this mortgage mess?

Perhaps.

Today's credit environment certainly isn't as easy as it was a few years ago, when lenders often made loans that put themselves and home buyers at higher risk. Back then, as home prices rose, so did the popularity of loans with "teaser" interest rates that lasted only a couple of years. Subprime lending soared as lenders issued riskier loans, ignoring the elevated danger of default.

Now homeowners faced with the prospect of home loans resetting sharply higher are seeking solutions. Often what's needed is patience, persistence and a willingness to seek help.

Consider the recent experience of one Germantown, Md., couple who nearly lost their home. Vaughn and Candice bought a large brick-front colonial five years ago. A couple of years later, they refinanced their mortgage, allowing them to tap their home's equity to help pay college bills for two of their children. Their monthly mortgage payment was $4,000 a month. Everything seemed to be going well.

"We were fine," says Vaughn, who asked that his family's last name not be used in this story to protect their financial privacy

a little information

Suzzette Walls (Tarbell,Realtors) — Mon, 10 Sep 2007 16:05:35 -0500

4 ways to fight for your home

If you're feeling pinched by an adjustable-rate mortgage or a falling salary, take action before the situation gets worse.

Kiplinger.com

More from Kiplinger.com

Even if you're a fiscally conservative homeowner, you may be feeling the pressure of high housing costs, particularly if you have a mortgage with a rate that's headed up or if your income has taken a hit. Here's what to do if your home is on the line.

Spot trouble early. Assess where you stand, especially if your house payments are rising. For advice on cutting back your spending or increasing your income, consult a fee-only financial planner or a nonprofit credit counselor, such as one certified by the U.S. Department of Housing and Urban Development. Credit-counseling services should be free or low-cost -- say, less than $50 for a session.

Try a refi. Rates on 30-year, fixed-rate mortgages are still attractive and are generally lower than fully indexed rates on adjustable-rate loans. If you can't refinance because your financial prospects are poor, you have no equity in the home or you're looking at a large prepayment penalty, you may want to try selling your home. If you can't afford a full-service agent, try one who offers a limited package of services for a flat fee. See "3 ways to pay lower real estate commissions."

Doing it yourself is no easy task -- you have to price the property aggressively, make yourself and your home available for showings, and close the deal.

Take advantage of mortgage relief, if it's available. In Massachusetts, for example, the governor mandated that homeowners in financial trouble be allowed to request extra time to avoid foreclosure. Their cases will be considered individually. In California, legislators have proposed creating a mortgage pool to assist first-time homeowners in trouble. Fannie Mae and Freddie Mac soon will introduce their

Mortgage options,help

Suzzette Walls (Tarbell,Realtors) — Mon, 10 Sep 2007 15:52:16 -0500

Head off foreclosure. As soon as you think you will miss a mortgage payment, call your lender to discuss your options. Besides refinancing, these may include a forbearance (you temporarily pay nothing or only a minimum amount, making up the payments either over time or at the end of the loan) or a loan modification (the lender temporarily adjusts the interest rate). The better your credit score and employment history, the more receptive the lender will be. But note that some lenders may not be able to change the terms of your loan until you're at least 30 days delinquent, and sometimes as many as 120 days past due.

If all else fails, you could try to negotiate a short sale. In that case, the lender agrees to cancel your debt in exchange for the proceeds from the sale of your home. As long as you're an owner-occupant, not an unhappy investor, lenders are likely to be receptive. Plus, they want to avoid the hassle and expense of foreclosure.

A real-estate agent can help you negotiate the deal. (Call local agencies and ask for an agent with experience or training in short sales.) You have a limited window of opportunity: Most lenders allow only three months' delinquency before they issue a formal notice of foreclosure, and state law mandates how quickly the process moves after that.

Is there any Tips of the Trade to share

Suzzette Walls (Tarbell,Realtors) — Mon, 10 Sep 2007 15:10:03 -0500

Is there any tips to share , The market is going to get better but is there any advice or thing to do to help make it better or to generate new leads to produce some sale's . or get buyer's more motivated to buy...

land for sale

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:52:41 -0500

1174 W HAYS STREET, BANNING 92220

LP: $169,900

Status:	A	Area:	263	County:	Riverside	TG#:	721J3
City:	BANN	Zip:	92220	State:	CA
APN:	540123001	Cross St:	Ramsey / 12th
Loans:	Acres:	.22	Sqft:	9,583	List Type/Service:	ER/ FS
Gross Eqty:	Lot Dim:	Zone:	C2	Price Per Sqft:
Have:	Incorporated?:
Terms:

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Features and Descriptions

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ML:I07097311

Features:	FL
Fee Land
Description:	Lot Is Located On Corner Of 12th And Hays Right Off Ramsey. Corner Lot Zoned C2 According To County Tax Records But, Buyer And Buyer's Agent Should Verify As To Whether It Is For General Use Or Highway Servicing. There Are 2 Lots(Lot 23 & 24) Merged Under One Apn# According To Current Owner. Water Is At Lot....There Used To Be A Structure That Burned Years Ago There! Buyer And Buyer's Agent To Verify Usage And All Information With Local And County Governmental Agencies. Buyer And Buyers Agent Should Exercise Their Due Diligence In Regards To This Property. All Information Has Been Provided To Agent By Current Owner And Requires Verification.

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Description of Property

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Distance to:
Water:	0	Stores:	Schools:	Church:		Fwy:
Bus:	Phn Ser:	Sewers:	Elect:		Gas:
St Frntge:	Min Rights:	PossNewZn:	ReDev Ar?:
Pres Use:
Pot Use:	/ /					Easement?:	Fee?:
Ing/Egress:	Cond:
Horse Prop?	Fenced:
Cleared:	Owner Surv:	Typ Soil:	%Usable:
Elev:	Corners?:
Trees:
Topography:

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Infrastructure

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Water Dist Name:

Septic:

Storm Drains?:

Percolate:

Paved St?:

Y Existing Bonds:

Sidewlk, Curb:

Sewer:

Assesmnts:

Improvmnts:

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Tax Information

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Tax Area:

Tax Rate Yr:

Tax Rate:

Land $:

Imprvmnts $:

Per Prop $:

Total $:

Legal:

Lot #: 23Blk#:

Tract#:

Sub Area/Trac:

Tract Name:

Parcel#:

Parcel Map #:

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Financial Information as of

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1st:	@ $:/Mo	@:%	Due:
Lender:	Assumable:	Type:	Fee:
2nd:	@ $:/Mo	@:%	Due:
Lender:	Assumable:	Type:	Fee:
Subordinate?:	Lien Rel?:	Assoc Name:
Dues:
Fin Remarks:	///
Land:	Lse$:	Lease Exp Year:
Zones:Spec Stdy:	Flood:	Coastal:	Slide:
Water:Well:	Well Depth:	Pump Motor:	GPM:
Size Hole:	Water Table:
Notice of Default:

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Office Information

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SO Comp:	5.0%	Dual/Var Rate:	No	Owner:
Shw#:	LO: ITAR13/Tarbell Realtors Banning		LO Ph:	951-849-2676
LO Fax:	951-849-2724	LA Pub ID: INEWSTAM		LA:	Tammy Newsom
LA Res:	Pager:		LA Cell:	951-492-8470
Voice Mail:	951-492-8470/0	LA Email: Tammynewsom@Tarbell.Com		LA Fax:	951-849-2724
Co-LA:	/
Show Inst:	Go Direct	ListDt: 06-28-07	ActDOM:	71
RcvDt:	07-03-07	ModDt: 08-22-07

Comments: Sign Should Be Up On Property By This Weekend 07/08/07. Call Listing Agent With Any Questions.

White Water home

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:47:08 -0500

13196 COTTONWOOD , Cabazon 92282

LP: $249,900

Status:	A	Area:	263	County:	RI	TG#:	811A7
City:	CABA	Zip:	92282	Unit #:	APN:	517190028
Cross St:	Haugen Lehman					Lease?:	N
Type:	433/ D	#Units:	List/Svc Type:	ER/FS	Zone:
Bdr:	3	Bath(F,T,H,Q):	2,0,0,0	SubDv/Tract:	/
Model:	ASF:	1610/ B	View:	Y

________________________________

Features and Descriptions

________________________________

ML:I07121851

Features:	NW
New Construction
L/P Excludes:
Description:	New 3 Bedroom 2 Bathroom Home Close To Freeway With Gorgeous Mountain Views. Very Open And Spacious Floorplan. Attached Site-Built 2-Car Garage. Lots Of Upgrades And Comes With All Brand New Kitchen Appliances Including Refrigerator! This Is A Must See. Home Boasts Over 1600 Square Feet And Includes All Window Coverings As Well As Coordinating Shower Curtains. Tastefully Decorated In Neutral Colors! You're Gonna Love It! This Is A Builder Series Manufactured On Permanent With Attached Site-Built 2-Car Garage.

________________________________

Additional Property Information

________________________________

Lot:	315/	TR#:	0	Lot Sz:	10454/ / A			Acres:	.28
Termite:	Horse:	N	FldZn:	Add/Alt:	SpecStd:
SchDist:	BANN	Elem:	Junior:	HighSch:	Yr Built:	2006
Assmnt:	UN	Firepl: N, ,/,		Garage:	2A/O/	Yard:	Enclsed:
Floors: WW		GrDrOp:	Y	Remts:	2	Off-Den:	N	CnvtBdr:
MstrBdrm:	Y	Retreat:	RVSpc:	SecSys:	Fml Din:	Y
Drs Area:	WInClst:	Y	Patio:	Y/ CC	Solar:	Eat Area:
Heat:	FA	AC:	Y/ CA	Pool:	N/	Spa:	N/	Sprnklr:
Timer:	FamRm:	Y	Seprte:	Y	R/O:	Appl:	D,G,M,R
Roof:	Story:	A	TV:	Lvn Rm:	Y	Entry:
Laundry:	IR	Dryer:	Softnr:	220V:	Bonus:	N
WetBar:	CablTV:	Intcom:	Water:	Sewer:
55+:	N

________________________________

Financial Information

________________________________

Points:	Possession: CLOSE OF ESCROW		Term:	Cash,Ctnl,Fnma,Fha,Fhmc,Va
1st:	Loan Type:	Interest:	/	Notice of Default:
2nd:	Loan Type:	Interest:	/
Additional Financial Information:
Land Fee/Lse:	FEE	Land Lse/Yr:	Lse Expires:	Lease Renews:
Lease Transfr:	Land Lse Purch:		Assn #1:	$ 0/mo	Assn #2: $ /mo

________________________________

Office Information

________________________________

SO Comp:	2.5%	Dual/Var:	No	Occup Inf:	VCNT/New Construction/Ph:SHOW ME!
LO:	ITAR13/Tarbell Realtors Banning			LOFax:	951-849-2724LO Phone: 951-849-2676
LA:	INEWSTAM/Tammy Newsom			LA Cell:	951-492-8470LAPgr:
LA Res:	LA Fax:	951-849-2724		Voice Mail: 951-492-8470/0

LA Email:	Tammynewsom@Tarbell.Com
Show Inst:	CF,GDSign: YKey Safe: Combo-See RemarksKey Loc: Front Door
List Date:	08-13-07ActDOM: 25Rcv Date: 08-17-07ExpDt: Mod Date: 08-17-07

Office Comments: Please Call Listing Agent Tammy For Combo Code And Please Don't Give The Combo Code To Your Clients...This Has Become A Problem Lately! Also, Please Don't Change The Thermostat

First time Buyer's Must see

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:44:15 -0500

13191 Zane Way, Cabazon 92282

LP: $249,900

Status:	A	Area:	263	County:	RI	TG#:	724B2
City:	CABA	Zip:	92282	Unit #:	APN:	520104002
Cross St:	Kimdale					Lease?:	N
Type:	433/ D	#Units:	List/Svc Type:	ER/FS	Zone:
Bdr:	3	Bath(F,T,H,Q):	2,0,0,0	SubDv/Tract:	/
Model:	ASF:	1493/ E	View:	Y

________________________________

Features and Descriptions

________________________________

ML:I07118472

Features:
L/P Excludes:
Description:	Almost New Home In Friendly Estates. Seller's Purchased As Second Home And Now Need To Sell! Home Has Only Been Used A Few Weekends. Home Will Come Furnished With All The Contents! A Wonderful Floorplan And Numerous Cabinets Throughout Including Walk-In Closets In The Open Split Bedroom Floorplan Provide For More Than Adequate Storage. Upgraded Flooring Throughout! Plenty Of Room For RV On Large Lot. Great Home In This Quiet Community Of Whitewater. Perfect For Snowbirds Looking For A Desert Home Close To Palm Springs Or Ideal For Anyone Looking For A Nice Home In A Quiet Area! Take A Look!

________________________________

Additional Property Information

________________________________

Lot:	94/	TR#:	445.0	Lot Sz:	13503/ / A			Acres:	.31
Termite:	Horse:	N	FldZn:	Add/Alt:	SpecStd:
SchDist:	BANN	Elem:	Junior:	HighSch:	Yr Built:	2005
Assmnt:	UN	Firepl: N, ,/,		Garage:	2A/O/	Yard:	Enclsed:
Floors: CR,WW		GrDrOp:	Y	Remts:	2	Off-Den:	N	CnvtBdr:
MstrBdrm:	Y	Retreat:	RVSpc:	SecSys:	Fml Din:	Y
Drs Area:	WInClst:	Patio:	Y/ CC	Solar:	Eat Area:	BN,DL
Heat:	FA	AC:	Y/ CA	Pool:	N/	Spa:	N/	Sprnklr:
Timer:	FamRm:	Y	Seprte:	R/O:	Appl:	D,G,M,R
Roof:	Story:	A	TV:	Lvn Rm:	Entry:	Y
Laundry:	IR	Dryer:	Softnr:	220V:	Bonus:	N
WetBar:	CablTV:	Intcom:	Water:	Sewer:
55+:	N

________________________________

Financial Information

________________________________

Points:	Possession: CLOSE OF ESCROW		Term:	Cash,Ctnl,Fnma,Fha,Fhmc,Sbmt,Va
1st:	Loan Type:	Interest:	/	Notice of Default:
2nd:	Loan Type:	Interest:	/
Additional Financial Information:
Land Fee/Lse:	FEE	Land Lse/Yr:	Lse Expires:	Lease Renews:
Lease Transfr:	Land Lse Purch:		Assn #1:	$ 0/mo	Assn #2: $ /mo

________________________________

Office Information

________________________________

SO Comp:	3.0%	Dual/Var:	No	Occup Inf:	VCNT//Ph:
LO:	ITAR13/Tarbell Realtors Banning			LOFax:	951-849-2724LO Phone: 951-849-2676
LA:	INEWSTAM/Tammy Newsom			LA Cell:	951-492-8470LAPgr:
LA Res:	LA Fax:	951-849-2724		Voice Mail: 951-492-8470/0

LA Email:	Tammynewsom@Tarbell.Com
Show Inst:	GDSign: YKey Safe: Supra KeyKey Loc: Front Door
List Date:	08-08-07ActDOM: 30Rcv Date: 08-10-07ExpDt: Mod Date: 08-10-07

Office Comments: Lock Box & Sign Will Be On By Weekend. Please Call Listing Agent With Any Questions.

Whitewater Home Priced to Sale

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:41:01 -0500

13365 Chaparral Road, Cabazon 92282

LP: $179,900

Status:	A	Area:	263	County:	RI	TG#:	721A7
City:	CABA	Zip:	92282	Unit #:	APN:	517300017
Cross St:	Tamarack					Lease?:	N
Type:	433/ D	#Units:	List/Svc Type:	ER/FS	Zone:
Bdr:	3	Bath(F,T,H,Q):	2,0,0,0	SubDv/Tract:	/
Model:	ASF:	/	View:	Y

________________________________

Features and Descriptions

________________________________

ML:I07130616

Features:
L/P Excludes:
Description:	Located In Fast Growing Whitewater Is This Spacious Home With 3 Large Bedrooms And A Den That Could Be A Possible 4th Bedroom. Den Has Built In Desk/Hutch. 2 Full Bathrooms. Master Bathroom Has A Large Corner Soaking Tub And A Seperate Shower. Beautiful Fireplace, Indoor Laundry Room, Spacious Kitchen With Plenty Of Cabinets, A Pantry, And A Breakfast Nook Area. Large Greatroom And Dining Room, And An Extra Tall Garage. A Wonderful Home For A Large Family! Easy Freeway Access And Gorgeous Mountain Views All Around. This Is A Manufactured Home On A Permanent Foundation With A Site Built Attached Garage. Short Sale Subject To Lender Approval. Buyer And Buyer's Agent To Verify Square Footage.

________________________________

Additional Property Information

________________________________

Lot:	62/	TR#:	445	Lot Sz:	7405/ / A			Acres:	.17
Termite:	Horse:	N	FldZn:	Add/Alt:	SpecStd:
SchDist:	BANN	Elem:	Junior:	HighSch:	Yr Built:
Assmnt:	UN	Firepl: Y, LR,/,		Garage:	2A/O/	Yard:	Enclsed:
Floors:		GrDrOp:	Y	Remts:	2	Off-Den:	Y	CnvtBdr:
MstrBdrm:	Retreat:	RVSpc:	SecSys:	Fml Din:	Y
Drs Area:	WInClst:	Patio:	N/	Solar:	Eat Area:
Heat:	AC:	Y/ CA	Pool:	N/	Spa:	N/	Sprnklr:
Timer:	FamRm:	N	Seprte:	R/O:	Appl:
Roof:	Story:	A	TV:	Lvn Rm:	Y	Entry:
Laundry:	Dryer:	Softnr:	220V:	Bonus:	N
WetBar:	CablTV:	Intcom:	Water:	Sewer:
55+:	N

________________________________

Financial Information

________________________________

Points:	Possession:		Term:	Cash,Ctnl,Fha,Spay,Sbmt
1st:	Loan Type:	Interest:	/	Notice of Default:
2nd:	Loan Type:	Interest:	/
Additional Financial Information:
Land Fee/Lse:	FEE	Land Lse/Yr:	Lse Expires:	Lease Renews:
Lease Transfr:	Land Lse Purch:		Assn #1:	$ 0/mo	Assn #2: $ /mo

________________________________

Office Information

________________________________

SO Comp:	3%	Dual/Var:	No	Occup Inf:	VCNT//Ph:
LO:	ITAR13/Tarbell Realtors Banning			LOFax:	951-849-2724LO Phone: 951-849-2676
LA:	INEWSTAM/Tammy Newsom			LA Cell:	951-492-8470LAPgr:
LA Res:	LA Fax:	951-849-2724		Voice Mail: 951-492-8470/0

LA Email:	Tammynewsom@Tarbell.Com
Show Inst:	GDSign: YKey Safe: Combo-See RemarksKey Loc: Front Door
List Date:	09-04-07ActDOM: 3Rcv Date: 09-04-07ExpDt: Mod Date: 09-04-07

Office Comments: This Is A Short Sale Subject To Lender's Approval Of Price, Terms, And Commissions. Commissions To Be Split 50/50 Between Selling Broker And Listing Broker. Please Note That A Response From The Lender May Take Several Days So Please Allow For That Time In Your Purchase

Cabazon home with pool must see

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:36:15 -0500

12841 Centurian Street, Cabazon 92282

LP: $399,999

Status:	A	Area:	263	County:	RI	TG#:	724A1
City:	CABA	Zip:	92282	Unit #:	APN:	523092013
Cross St:	Penland					Lease?:	N
Type:	SFR/ D	#Units:	List/Svc Type:	ER/FS	Zone:
Bdr:	5	Baths:	3.00/	SubDv/Tract:	/
Model:	ASF:	2800/ S	View:	Y

________________________________

Features and Descriptions

________________________________

ML:I07085129

Features:	CC,CF,CB,CU,DV,GA,DY,FR,FD,GR,LF,LX,LL,MF,UN,PN
Cathedral Ceilings, Ceiling Fan, Custom Built, Custom Window Covering, Desert View, Direct Garage Access, Driveway, Freestanding, French Doors, Great Room, Loft, Lot 10000-19999 Sqft, Lot-Level/Flat, Main Floor Bedroom, Unincorporated, Walk-In Pantry
L/P Excludes:
Description:	2 Story, 5 Bedrooms Plus A Den, 3 Baths, And An In-Ground Pool! Custom Home Built In 2006 With Wood Looking Floors Through-Out Downstairs, And Upgraded Carpet Upstairs. An Entry Hall That Gives The Ambience Of An Larger Estate Home With Beautiful Chandelier Lighting. Slab Granite Counters In Island Kitchen With Stainless Steel, Recessed Lighting, And Decorative Pantry Door. A Formal Area Plus A Family Room With A Fireplace And A Nitch Area To Accomodate A Huge Tv Or Entertainment Center, A Downstairs Bedroom & Bath As Well As Laundry Room And A Gorgeous Den With Beautiful Decorative Glass Double Wood Framed Doors. Upstairs Is 3 More Bedrooms And A Bathroom Plus A Master Suite With His And Hers Walk-In Closets And It's Own Bathroom As Well. The Master Bath Features Double Sinks, A Seperate Jacuzzi Style Tub And Shower And Toilet Room. Large Loft Upstairs, Surround Sound And Intercom System Throughout Home. An In-Ground Pool In The Back Yard And A Block Wall Surrounding The Rear Yard.

________________________________

Additional Property Information

________________________________

Lot:	122/	TR#:	2525	Lot Sz:	10890/ / A			Acres:	.25
Termite:	Horse:	N	FldZn:	Add/Alt:	SpecStd:
SchDist:	BANN	Elem:	Junior:	HighSch:	Yr Built:	2006
Assmnt:	UN	Firepl: Y, FR,/,		Garage:	2A/O/	Yard:	Y	Enclsed:	BW
Floors: CR,WW,WD		GrDrOp:	Y	Remts:	2	Off-Den:	Y	CnvtBdr:
MstrBdrm:	Y	Retreat:	RVSpc:	SecSys:	Fml Din:	Y
Drs Area:	WInClst:	Y	Patio:	Y/ CC	Solar:	Eat Area:	BC,DL,FK
Heat:	FA	AC:	Y/ CA	Pool:	Y/ IG	Spa:	N/	Sprnklr:
Timer:	FamRm:	Y	Seprte:	R/O:	Appl:
Roof:	CS	Story:	B	TV:	Lvn Rm:	Entry:
Laundry:	IR,IN	Dryer:	Softnr:	220V:	Bonus:	Y
WetBar:	CablTV:	Intcom:	Water:	DISTRICT	Sewer:
55+:	N

________________________________

Financial Information

________________________________

Points:	Possession:		Term:	Cash,Ctnl,Fnma,Fha,Fhmc,Va
1st:	Loan Type:	Interest:	/	Notice of Default:
2nd:	Loan Type:	Interest:	/
Additional Financial Information:
Land Fee/Lse:	FEE	Land Lse/Yr:	Lse Expires:	Lease Renews:
Lease Transfr:	Land Lse Purch:		Assn #1:	$ 0/mo	Assn #2: $ /mo

________________________________

Office Information

________________________________

LA Email:	Tammynewsom@Tarbell.Com
Show Inst:	AOSign: Key Safe: No Key SafeKey Loc: No Key Safe
List Date:	06-09-07ActDOM: 90Rcv Date: 06-10-07ExpDt: Mod Date: 07-26-07

Office Comments: Sign Should Be Up By June 15th. There Is No Lock-Box As This Home Is To Be Shown By Appointment Only. Owner Is Extremely Co-Operative And Motivated. Easy To Show. Call Listing

Great home in Painted Hills

Suzzette Walls (Tarbell,Realtors) — Fri, 07 Sep 2007 15:31:31 -0500

Add to Cart

Check Page

61105 Deronda Avenue, Cabazon 92282

LP: $429,000

Status:	A	Area:	263	County:	RI	TG#:	694A7
City:	CABA	Zip:	92282	Unit #:	APN:	667173004
Cross St:	Pierson / Salton View					Lease?:	N
Type:	SFR/ D	#Units:	List/Svc Type:	ER/FS	Zone:
Bdr:	3	Baths:	2.00/	SubDv/Tract:	/
Model:	ASF:	2100/ B	View:	Y

________________________________

Features and Descriptions

________________________________

ML:I07094826

Features:	CB
Custom Built
L/P Excludes:
Description:	Located In Exclusive Painted Hills! Beautiful Custom Santa Fe Home, With Views Of The Spectacular San Jacinto Mountains And Palm Springs. Spacious Living On A 1/3 Of An Acre With Room For Pool, RV, And Toys. 2100 Sq House With A Large Fully Finished Insulated 3Car Garage. 3 Bedrooms, 2 Full Bathrooms With A Spa Tub In The Master Bathroom, Den, Large Living Room, And Great Room. Great Home For Entertaining, Brazilian Tiger Mahogany Floors In The Kitchen And Entranceway. Travertine Marble In The Grand Foyer And Master Bathroom. Quiet Neighborhood With Great Neighbors. With A Brand New Development Of Highland Falls Next Door, 2,700 Homes Surround Two 18-Hole Golf Course Planned For Near Future.

________________________________

Additional Property Information

________________________________

Lot:	19/	TR#:	445	Lot Sz:	14810/ / A			Acres:	.34
Termite:	Horse:	N	FldZn:	Add/Alt:	SpecStd:
SchDist:	Elem:	Junior:	HighSch:	Yr Built:	2006
Assmnt:	UN	Firepl: N, ,/,		Garage:	3A/O/	Yard:	Y	Enclsed:	BW
Floors: HW,MB,OT,WW		GrDrOp:	Y	Remts:	2	Off-Den:	Y	CnvtBdr:
MstrBdrm:	Y	Retreat:	RVSpc:	SecSys:	Fml Din:	Y
Drs Area:	WInClst:	Patio:	N/	Solar:	Eat Area:
Heat:	FA	AC:	Y/ CA	Pool:	N/	Spa:	N/	Sprnklr:
Timer:	FamRm:	Y	Seprte:	R/O:	Appl:
Roof:	SC	Story:	A	TV:	Lvn Rm:	Entry:
Laundry:	Dryer:	Softnr:	220V:	Bonus:	Y
WetBar:	CablTV:	Intcom:	Water:	Sewer:
55+:	N

________________________________

Financial Information

________________________________

Points:	Possession:		Term:	Cash,Ctnl,Exch,Fnma,Fha,Fhmc,Omc,Owc,Sbmt,Trde,Va
1st:	Loan Type:	Interest:	/	Notice of Default:
2nd:	Loan Type:	Interest:	/
Additional Financial Information:
Land Fee/Lse:	FEE	Land Lse/Yr:	Lse Expires:	Lease Renews:
Lease Transfr:	Land Lse Purch:		Assn #1:	$ 0/mo	Assn #2: $ /mo

________________________________

Office Information

________________________________

SO Comp:	3.0%	Dual/Var:	Yes	Occup Inf:	OWN/Mr. & Mrs. Brown/Ph:
LO:	ITAR13/Tarbell Realtors Banning			LOFax:	951-849-2724LO Phone: 951-849-2676
LA:	INEWSTAM/Tammy Newsom			LA Cell:	951-492-8470LAPgr:
LA Res:	LA Fax:	951-849-2724		Voice Mail: 951-492-8470/0

LA Email:	Tammynewsom@Tarbell.Com
Show Inst:	AO,CFSign: YKey Safe: No Key SafeKey Loc: No Key Safe
List Date:	06-28-07ActDOM: 71Rcv Date: 06-28-07ExpDt: Mod Date: 07-26-07

Office Comments: Shown By Appointment Only At This Time. Lockboxes Will Be Installed By July 1st. Call