Samuel Silver's (ssilver) Blog

Santa Clarita Library Children Activities for June 2008

Samuel Silver (Keller Williams VIP Properties) — Tue, 17 Jun 2008 02:20:06 -0700

Children's Programs, Family Programs R.E.A.D. to a Dog

The Dogs are Here at Valencia Library! Join us on the 2nd Saturday of each month from 1:00 - 3:00 p.m. Each child will be given 15 minutes to read with a meet a Paws 4 Healing dog. Availability is first come, first served to children in grades K-8th. For more information, please contact the Valencia Library.

Held On:	05/10/2008 - 12/13/2008, Every 2nd Sat
Time:	1:00 p.m.
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Joy Feldman
Sponsor

Teen Programs METAMPORPHOSIS - TEEN SUMMER READING PROGRAM

Experience the pleasure of reading! Read or listen to books you might not otherwise have read! Recommend books you've enjoyed to others! How? By picking up your summer reading program game card at Valencia Library, Canyon Country Jo Anne Darcy Library, or Newhall Library! It's easy! It's fun! There is no limit to the number of books you can read or listen to. The more you read, the more you win! For more information, including the Summer Reading Program for babies, toddlers, preschoolers, and K-8th grade, contact Valencia Library, Canyon Country Jo Anne Darcy Library (661) 251-2720, or Newhall Library (661) 259-0750 or visit the County Library Web site at www.colapublib.org. Copies of our Summer Reading Program brochures will also be available at the libraries.

Held On:	06/16/2008 - 08/16/2008, Mon
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Sue Yamamoto
Sponsor

Program ID: 20080616-8

Children's Programs Summer Storytimes for Toddlers & Preschoolers

Due to high demand and limited space, we do require registration for morning storytimes. Starting Monday, May 12th you may come into the library to enter our storytime lottery. The lottery forms are available until Sunday, June 8th at 5:00 pm. For more questions, please contact the library. Parental/Adult Supervision Required.

Held On:	06/17/2008 - 08/06/2008, Every Tue, Wed
Time:	10:00 AM
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Darcy Hastings or Evangelina Ferrer
Sponsor

Program ID: 20080617-6

Adult Programs Bonding Through Books

In partnership with the City of Santa Clarita, this a two-part workshop for parents, offering creative ways to connect with their children through books. Parents will read children's stories in class that focus on various parenting topics, and then take the stories home to share and discuss with their children. Books are aims at children, ages 3-11. Advanced registration is required. Please sign up at the Information Desk.

Held On:	Mon, 06/23/2008
Time:	6:30 PM - 8:30 PM
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Sue Yamamoto
Sponsor	City of Santa Clarita

Program ID: 20080623-5

Children's Programs, Family Programs Wild Wonders

Meet and learn about insects, such as the hissing cockroach, mantids and more! Each program lasts approximately 45 minutes. Performer programs are intended for Kindergarten and up, families are welcome (no strollers please). Space is limited. We may not have room for late arrivals. Parental/Adult Supervision Required.

Held On:	Tue, 06/24/2008
Time:	7:00 PM
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Darcy Hastings or Evangelina Ferrer
Sponsor

Program ID: 20080624-11

Children's Programs, Family Programs Annie BanAnnie Balloon Show

Kick-off the summer with a balloon show that will rock your socks off! Each program lasts approximately 45 minutes. Performer programs are intended for Kindergarten and up, families are welcome (no strollers please). Space is limited. We may not have room for late arrivals. Parental/Adult Supervision Required.

Held On:	Wed, 06/25/2008
Time:	1:00 - 2:30 PM
Address:	Valencia Library23743 W. Valencia Blvd.Santa Clarita, CA 91355-2191
Fee:	Not Listed
Phone:	(661) 259-8942
Contact:	Darcy Hastings or Evangelina Ferrer
Sponsor

Program ID: 20080625-10

Santa Clarita Ca Chamber June Calender of Events

Samuel Silver (Keller Williams VIP Properties) — Tue, 17 Jun 2008 01:58:59 -0700

1 · The Full Monty · Community Wide Food Drive · SCValleyMommies' Mom's Night Out · My Fair Lady · Master Chorale "Fasten Your Seatbelts" · California Kids Consignment Sales Event · Relay For Life	2 · Newhall Redevelopment Committee Meeting · Hope for the Hungry · In Treatment Group for Cancer Patients · SCValleyMommies Park Playdate · Peace Officer Memorial Golf Tournament · DivorceCare / DivorceCare 4 Kids	3 · SCValleyMommies Chatty Tuesday Evenings · Holistic Moms Network June Meeting · Planning Commission Meeting · American Contract Bridge League · SCValleyMommies Lunch Playdate	4 · Enterprise Zone Workshop for Businesses · La Leche League of SCV Park Playdate · Empowerment Workshop "Oh C'mon, Get Real!" · Angels of Hope Club	5 · JCI Santa Clarita's General Membership Meeting · SCValleyMommies Park Playdate · Last Day of School - Hart District · Parks, Recreation, & Community Services Commission · Style and Fashion Show - Eyewear	6 · The Full Monty · Italian Feast of Santa Clarita · My Fair Lady · SCValleyMommies Musical Instrument Play	7 · Torchiere Halogen Lamp Exchange · Santa Clarita Koi and Water Garden Tour · The Full Monty · Italian Feast of Santa Clarita · My Fair Lady · Rummage Sale · SCV Dodger Day · SCValleyMommies Ugly Coffee
8 · The Full Monty · Italian Feast of Santa Clarita · Vision Board Class · My Fair Lady · Memorial Garden Tour · Rose Society--Rose Arrangement Designs	9 · Free Acupressure for Cancer Patients/Families · DivorceCare / DivorceCare 4 Kids · Michael Hoefflin Foundation 9th Annual Golf Classi	10 · Advanced Healthcare Class · Ice Cream Social for Child Care Providers · SCValleyMommies Park Playdate · SCValleyMommies Evening Park Playdate · Child & Family Center - Advisory Committee · City Council Meeting · American Contract Bridge League	11 · Empowerment Workshop "Oh C'mon, Get Real!" · SCValleyMommies Pooltime Fun · Spirited Political Conversations · SCValleyMommies MNI (Discovery Toys Party)	12 · Quilt Guild Meeting · Sports Complex Expansion-Groundbreaking event · SCValleyMommies Train Ride & Picnic · SCValleyMommies Kidstown Meet-up · SCVSingles · How to Prepare for "The Big One"	13 · The Full Monty · My Fair Lady · CARE FOR YOUR HEART HEALTH FAIR · SCValleyMommies Chatty Friday Mornings	14 · SCV Fibromyalgia Support Group · The Full Monty · Sing Me a Happy Song · Raw Foodies Rejoice! · My Fair Lady · 37th Annual Boys & Girls Club Auction · R.E.A.D. to a Dog · SCValleyMommies Storytime
15 · Shopping On A Budget Store Tour · My Fair Lady · UU of SCV collects for Santa Clara River · SCValleyMommies Ugly Coffee	16 · SCValleyMommies Park Playdate · Bonding through Books Workshop · DivorceCare / DivorceCare 4 Kids	17 · SCValleyMommies Chatty Tuesday Evenings · La Leche League of SCV Monthly Meeting · Internal Stress Workshop · Planning Commission Meeting · American Contract Bridge League · Planning Commission Study Session	18	19 · SCValleyMommies Park Playdate · Deepak Chopra's Movie "The Happiness Prescription" · L.A. County District Attorney Meet-and-Greet · Making Mealtimes Fun!	20 · My Fair Lady	21 · Painting Party for Lilly's Expressions of Cancer · My Fair Lady · The City of Santa Clarita Fine Craft Show · SCValleyMommies Ugly Coffee · Seafood 101 Class · Free Landscape Education Class
22 · Renegade Classics 4th Annual Summer Poker Run · My Fair Lady · The City of Santa Clarita Fine Craft Show · Subaru Sustainability Tour at Whole Foods Market	23 · Bonding through Books Workshop · SCValleyMommies Craft Night - Cross-Stitching	24 · Advanced Healthcare Class · City Council Meeting · American Contract Bridge League · SCValleyMommies Lunch Playdate	25 · Empowerment Workshop "Oh C'mon, Get Real!"	26 · The SCV BBC Networking Mixer · Democratic Alliance for Action Meeting · The Valley Fair · The Valley Fair in Santa Clarita · The Valley Fair in Santa Clarita	27 · Joseph and the Amazing Technicolor DreamCoat · Juggling Comedian Michael Rayner · The Valley Fair · SCValleyMommies Chatty Friday Mornings	28 · Joseph and the Amazing Technicolor DreamCoat · Book Sale · My Fair Lady · Summer Evening with The REP · Honor America / Secure Our Border Rally · Becoming a Working Actor in the Entertainmen Indus · Babies, Birthing and Parenting Day · The Valley Fair · SCValleyMommies Storytime
29 · SCValleyMommies Ugly Coffee · Joseph and the Amazing Technicolor DreamCoat · SCV Theatre Project Sunday Salon · The Valley Fair · The Valley Fair in Santa Clarita · The Valley Fair in Santa Clarita	30 · SCValleyMommies Park Playdate

Condominium or house: Which is right for you?

Samuel Silver (Keller Williams VIP Properties) — Sun, 01 Jun 2008 13:57:33 -0700

Condos and houses have their advantages and disadvantages. Use our chart to help compare your options. Be it in New York, Atlanta or Miami, the condominium market is thriving, with modern towers and low mortgage rates luring would-be home buyers with the possibility of building equity at rent-like prices. Should you join the condo club or go for a more traditional home? Consider your lifestyle and weigh the pros and cons of each before deciding which to buy. Condominiums

Pros	Cons
Easy upkeep: Do you lead a busy life? A condo can offer you a comfortable home free of yard-work and home-maintenance responsibilities. If you're not a hands-on, do-it-yourselfer, having a maintenance crew take care of the upkeep is a definite plus.	Condo fees: Most condominiums have monthly maintenance fees. The money goes toward the collective upkeep and development of the property. Combine these fees with monthly mortgage payments and you can sometimes end up paying more per month for a condo than a house of equal value.
Location: A condo provides the option of living right in the heart of the city. Many urban condos are also within easy walking distance of amenities such as grocery stores, dry cleaners, restaurants, cafes, shops and theaters. A home in the suburbs can mean jumping in the car to complete even the smallest of errands.	Shared decision-making: How your condo fees are spent is the purview of the condominium board. You could find yourself subsidizing the salary of a concierge or the maintenance of a parking garage you don't use. And what if you want to do some renovations? Yes, the condo board decides that, too.

Houses

Pros	Cons
Family friendly: With their own yards and generally more square-footage, houses tend to be more family friendly. A fenced-in backyard for children to play in can be a big benefit. Plus, a house allows the option of having pets that may not be permitted in a condo.	Upkeep: When you own your own house, you're responsible for all the maintenance. The bigger your property, the more time and money you can end up sinking into it. The upside is that money you put into home improvements will likely pay off in terms of a higher resale value.
Extra living space: Not only do kids need space, so do most grown-ups. If you're a couple, you have to determine how much time you will be spending together at home and whether or not you need quiet, private rooms. The same is true if you work from home or have a hobby that requires dedicated space.	Additional items: All the extra space a house provides can have a downside. You need to fill that space with additional furniture. You also need to buy extra items to maintain the garden. And you can expect to have higher heating and/or cooling costs with a bigger home.

Of course, regardless of whether you buy a house or a condo, it's important to do your homework and consider the future of the neighborhood you're buying into. The old axiom of "location, location, location" remains true for both. Each is a significant investment, and you need to find a safe and vibrant neighborhood capable of nurturing your investment into the future.

How much to put down on a home?

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 03:59:42 -0700

Unsure about how much you need to save in order to make a down payment on a home? There are several options. It's not always easy to save up enough to make the traditional 20 percent down payment on a home. Fortunately, lenders today offer many low-down-payment mortgages. But when deciding how much to put down, you should consider the following: Is 20 percent the standard down payment? In order to qualify for a conventional mortgage, lenders usually require a minimum down payment of 20 percent. If you put down less than 20 percent, most lenders will require you buy Private Mortgage Insurance (PMI). This insurance typically costs about one-half of 1 percent of the purchase price of the home and protects the lender in the event that you should default on the loan. Your overall mortgage costs will therefore be less if you come up with 20 percent down and can avoid having to pay PMI. What if I put down less than 20 percent? If you can't afford a 20 percent down payment, paying PMI may be your best option. And once you reach 22 percent equity in your home (or sometimes 20 percent equity with a good payment history), you can get your lender to cancel the insurance. An alternative is to apply for an 80/10/10 loan. It enables you to avoid PMI by financing half of the required 20 percent down payment with a second mortgage. The way it works is that 80 percent of the purchase price of a home is financed through a first mortgage, 10 percent through a second mortgage, with the final 10 percent coming from the down payment. Or you can apply for a government-insured FHA loan. Again, you will have to pay for insurance, but you may qualify with a down payment as little as 3 percent. What about putting down no money at all? It is possible to finance 100 percent of the purchase price of a home with a mortgage that requires no down payment at all. The disadvantage of this type of financing is that you are likely to be charged a higher interest rate than that of a standard mortgage. This means your monthly mortgage payment will be higher. Also, because you didn't make the standard 20 percent down payment, you will have to pay PMI. Let's review the options When deciding how much to put down on a home, it's important to know what your options are so you can decide what works best for you. Would you prefer getting instant equity in your home and lowering your monthly mortgage payment? Then putting down 20 percent may be best for you. Are you unable to come up with a 20 percent down payment but want to avoid paying PMI? Then you may want to consider an 80/10/10. Can you only come up with a 3 percent or 5 percent down payment and don't want to wait to buy a home because you are concerned about rising house prices? Maybe a government-insured FHA loan would be a good answer. Do you have no savings at all but are so eager to enter the real estate market immediately that you are willing to pay the extra costs involved in a no-money-down mortgage? Provided you are able to handle the required payments and are confident your financial situation will enable you to refinance for a mortgage with better terms in the future, it could be the way to go. The important this is to evaluate your own situation carefully before you decide how much to put down on a home.

Want to Buy a Home? Use Our Tips to Get Your Finances Ready

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 03:54:26 -0700

It's never too early to start planning when you want to buy a home. These seven steps will put you on track. 1. Decide on your price range Calculate how much you can afford. For example, if you can afford a maximum monthly payment of $1,000, you will be looking at a total loan amount of about $167,000 (assuming a 30-year fixed rate at 6 percent). And, remember, owners have different monthly bills than renters. Along with the mortgage payment, you'll have to pay homeowner's insurance, utilities and property tax. If you are realistic about your limits, you can focus on the right price range. 2. Look at your current budget Have a look at your income and both long- and short-term expenses. Include any expected changes. Will that new job mean a rise in pay? Are you planning an expensive wedding or making a big purchase, such as a car? A careful plan will show where you have flexibility in your cash flow. 3. Open a savings account Keep a separate home-savings account and don't dip into it. This is the time to cut back on your expenses as much as you can in order to save for the down payment. So, curtail dining out and delay the purchase of new furniture. Save tax refunds, cash gifts or bonus checks. Give yourself a financial goal and a fixed time to reach it, say six months or a year, and then assess your situation. 4. Check out down-payment assistance Although it's nice to have a 20 percent down payment, it's not necessary. Many lenders offer low down-payment products. Start investigating. 5. Get pre-approved for a mortgage If you know how much you can borrow, you won't have to make an offer conditional on financing -- and your offer will be more appealing to sellers. A lender will base the pre-approved figure on your income, credit and debts. 6. Don't forget the extras Aside from the down payment and the first mortgage payment, there are fees that may surprise a new homeowner. Closing costs can range anywhere from 2 to 6 percent of your mortgage amount. Plus, a home inspection may cost several hundred dollars. You may also have to hire a moving van or even stay in a hotel for a few days. Plan to save enough money to cover all of these expenses. 7. Your REALTOR® can help Look for a REALTOR® with whom you are comfortable. After all, you will be spending quite a bit of time together. A REALTOR® will discuss the available homes in the neighborhood you are interested in and provide information on recent selling prices of comparable homes.

Curb Appeal Counts

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 03:45:31 -0700

Curb Appeal Counts Try to think of your home's appearance as a form of advertising. You're ready to put your house on the market. Inside, it is beautifully decorated and sparkling clean. That bit of peeling paint on the porch and the bald spots in the garden won't bother prospective purchasers, right? Maybe not. And then again, they may drive by, see these flaws and take your house off the list of houses they plan to view. First impressions count. What real estate agents call "curb appeal" is the impact your house makes when seen from a car or the sidewalk. If the exterior of the house and the yard are tidy and well maintained, prospective purchasers walk in with a pleasant feeling of expectation that the interior will match up. If the lawn is shaggy, the windows are dirty and the doorbell doesn't work, they will be on guard for problems inside. Here's a short list of things you can do to increase your home's curb appeal: cut and rake the grass and water frequently enough to keep it green; fill and seed any bare patches. wash windows and replace any cracked glass. weed and edge the garden. bridge gaps in foundation plantings with bright annuals in containers. remove flaking paint and stucco from the steps, porch or deck, door, trim and storage sheds and repaint. keep the lawn and porch or deck clear of bikes, toys, gardening tools, flyers and other clutter. keep the pool immaculate. make sure the front door opens and shuts smoothly and the doorbell functions. tuck garbage containers out of sight. It's a good idea to ask your selling agent to take a tour of the exterior, note any flaws and tell you what you need to do to make your home more sellable. If you don't have the time or skills to make repairs or spruce up the garden yourself, consider hiring a handyman, gardening service or pool service to visit your home a few times before you list and while it is on the market. Check out ads in the local paper or ask neighbors or your agent to recommend people who can help you at a reasonable price. Try to think of your home's appearance as a form of advertising. The few hundred dollars you invest in increasing its curb appeal can mean more viewings, a quicker sale and -- possibly -- a better price.

Real estate commissions: What you need to know

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 03:28:23 -0700

Real estate commissions: What you need to know Confused about real estate commissions? You're not alone. Here are some answers to a few of your most common questions. There's no question a good real estate agent can be a valuable resource when it comes to buying or selling a home. But how much is that help going to cost? First of all, if you're the one buying the home, it isn't going to cost you anything. The agent's commission comes out of the selling price. That means it's deducted from the amount the seller receives, not added onto the amount the buyer pays. Of course, it can be argued that as a buyer you are indirectly paying the commission by virtue of the fact that it's included in the price. But following that logic, all homes for sale by owner should cost less than those being sold through an agent, and that certainly isn't always the case. Second, if you're the seller, you don't have to pay an agent anything up-front to market your home. A real estate agent generally doesn't receive any commission until closing, at which time they will receive the amount stipulated in their contract -- typically somewhere between five and eight percent. But chances are (unless you're in a particularly hot market) your agent is going to have to work hard to earn that commission by investing a lot of time and effort into marketing your home. And they're going to have to give a cut of that commission to both their brokerage and the buyer's agent (unless they represent both the buyer and the seller). To help take the mystery out of real estate commissions, we provide the following answers to a few of your most common questions. Q. What is the average commission on a home purchase? A. The average commission is about 5 percent, although 6 percent commissions are still common. Q. Who pays the commission? A. The seller. It is paid out of funds received from the sale of the home. Q. Does the commission go entirely to the seller's real estate agent? A. No. The broker whose firm lists the house sets the commission. The listing broker then offers part of the commission -- often 50 percent -- to the broker whose firm represents the buyer. Both brokers then share their portion of commission with the agents who work with the seller and buyer. The agents' share may be as little as 50 percent or as much as 100 percent, depending on their arrangement with the broker. If either brokerage is part of a franchise, it may also pay part of the commission as a franchise fee. Q. Is it possible to negotiate the real estate commission? A. Yes. An agent may be willing to negotiate his or her commission in order to get your business. This is especially true if the agent is independent and doesn't have large operating costs. In some cases, both agents might agree to cut their commissions in order to bring down the price of the home if the buyer's offer doesn't quite meet the asking price. Sometimes a buyer's agent may offer concessions such as paid closing costs, a repair allowance or a rebate in order to help close a deal. Buyer rebates are legal in most states. Q. Will I pay less if I buy a house without using a real estate agent? A. You might be able to negotiate a reduced price. Since the listing broker won't have to share the commission with another agent and broker, he may agree to a reduced commission and pass the savings on to you. This may also be possible if you use the same agent as the seller -- for example, if you toured an open house and retained the listing agent. This is called dual agency, and is legal in most states, although it may be subject to special laws and regulations. Q. Is a real estate agent likely to push me to buy a more expensive home so he can make a higher commission? A. There isn't a big incentive for an agent to push you to buy a more expensive home because of the way commissions are divided. Your agent may be entitled to 65 percent of his broker's share of the commission -- perhaps 3 percent of the sale price. Under that scenario, if you were to buy a home for $260,000, rather than $250,000, your agent would earn only an additional $195. However, there could be an incentive for the agent to steer you toward a house on which his broker has been offered a larger share of the commission. This practice is not prevalent, but it does occur. Q. Are there other commissions that buyers don't see? A. In some cases, a seller, listing agent or builder might offer the buyer's agent a cash bonus or other incentive to help sell the house. The buyer's agent should disclose these fees if you ask. Q. Can I get a lower fee by using a discount broker? A. A discount broker may offer you lower fees, or a deal in which you pay only for the services you receive. However, discount brokers may be more suitable for those with a good knowledge of real estate, since they may not offer a full range of services.

How much should you offer for that home?

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 03:21:12 -0700

How much should you offer for that home? You've found a home you want to buy, but how much should you offer to pay for it? One of the most perplexing points in the home-buying process is the decision of how much to offer for the home you want to buy. If you offer "too much," you might experience buyer's remorse or feel the house was "overpriced." Yet if you offer "too little," you might infuriate the seller and lose your opportunity to purchase the property. So, what's the right amount? To answer that question, you'll need to do some homework and give some serious thought to how sincerely you want to buy that particular home. Your agent can make offer recommendations Don't rely on the listing agent who represents the seller to help you decide how much to offer for the home you want to buy. Rather, ask your own real estate agent about the asking and selling prices of other homes in the area and market conditions that might indicate whether you should offer more or less than the seller's asking price. If the market is characterized by multiple offers and strong demand relative to the supply of for-sale homes, you might want to offer more than you would if the market were characterized by price reductions and weak demand relative to supply. You also might want to offer more if the home has certain features that are must-haves for you, but aren't widely available on other comparable homes in the area. Time pressure could be another reason to offer a higher price if your current home is already on the market or you need to move by a certain date due to school schedules, employment or other reasons. Some buyers try to anticipate the direction of home prices and build that expectation into their offer. Future prices may be important if you intend to sell the home within a few years, but market cycles may be less relevant if you plan to stay put for a while. Moreover, sellers may be loath to discount their asking price simply because you think prices might be lower in the future. Offers that are contingent upon an appraisal, financing, the sale your current home or other conditions are less attractive to the seller than are offers that don't include such requirements. If your offer contains contingencies, you may wish to offer a higher price as an inducement to the seller to accept those conditions on the sale. Be cautious about online estimates Automated valuation services on real estate Web sites are a popular resource for home price estimates. These estimates are not appraisals; rather, they rely heavily on historical home-sales data. Consequently, they might not be a reliable indicator of a home's current value, especially if the market is on a turning point. A similar resource is local multiple-listing services data about homes that are currently on the market. This data may be available on local MLS or brokerage company Web sites. Don't exceed your budget Never offer more for a home than you actually can afford to pay. Get a pre-approval letter from your lender that states how much you can borrow and an estimate of your closing costs. Be honest with your agent about how much you're willing and able to spend and what features you must have in your home.

Top 10 Home Buying Mistakes

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 02:53:30 -0700

Buying a house is the largest investment most people ever make; yet all too often it's a decision made in haste without adequate preparation Use our list of common house-buying mistakes to avoid costly regrets. 1. Doing it alone. Buying a house is a complex transaction. Even if you don't use an agent, you'll need a complete, dependable team: lender, lawyer, inspector, insurer, as well as referrals and advice from friends and family. Enlist the help of these individuals early in the buying process. 2. Buying at first sight. You may be in love with the place, but does it fit your family's needs and budget? Make a list of your needs and wants and make sure the house fits your requirements. Check out the neighborhood and the community before you buy by visiting at different times of the day and week to learn about noise and traffic patterns. Even if you don't have kids, check out the local schools to make sure your resale value will be good. 3. Not getting pre-qualified and pre-approved. Being pre-qualified gives you a general idea of how much you can afford to borrow. Being pre-approved means a lender has verified your information and credit rating and agreed to provide you with a specific amount of money. You are in a better position to go house hunting knowing exactly how much you can afford and that you have financing. 4. Overbuying. You may qualify to borrow more, but can you afford to? Analyze your monthly costs: debt, food, transportation, entertainment, and savings. As a general rule, your total monthly debts, including your mortgage, should not exceed 36 percent of your income before taxes. Be sure to budget enough to cover closing costs (often two to five percent of the home's purchase price), plus moving, redecorating and maintenance. Allow for increases in ongoing expenses such as utilities and taxes. 5. Misplacing your trust. No matter how much you like the agent, sellers, inspector, or the guy down the block who vouches for them, remember this is a business transaction. Your decision is binding. Do your own research and know your support team's roles and responsibilities. 6. Relying on oral agreements. Get it right and get it in writing. Written agreements almost always trump oral ones when it comes to contracts. If the offer says the lawnmower is negotiable, but the agent says it's included, get it in writing. 7. Skipping the fine print. You need to understand what you're signing before you pick up a pen. Ask for documents in advance, make time to read them and ask questions. Get copies of your mortgage papers a few days ahead of closing. 8. Forgetting or betting on resale. Avoid buying a home that costs 50 percent more than neighboring homes and think before buying the most expensive home on the block. Your neighbors' lower home values will weaken yours. Remember, markets change. If you buy intending to flip your investment and the market falls and you have to sell, your selling price may not be enough to even cover your mortgage. 9. Making an unconditional offer. Protect yourself with at least two of these contingencies in your offer: Mortgage financing -- You're pre-approved, but is the house? Before a bank will lend you money, it will want a formal appraisal of the property to confirm that there is sufficient equity in it to warrant the loan. If the house appraises lower than the sales price, the loan may be declined. Inspection -- never buy an existing or new home without a thorough home inspection. Walk through the home with the inspector to learn more about the house and any concerns he or she may have. Insurance -- confirm you can get adequate coverage. In some areas, it's difficult to get hazard insurance. 10. Having buyer's remorse. No place is perfect. There will always be surprises. Don't let a few initial blips spoil the whole ride. And don't miss a great house waiting for the perfect one!

Home Trends to Watch: What's Hot for 2008 and Beyond

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 02:44:19 -0700

Take a cue from high-end homes. Luxury homes showcase the latest in floor plans, appliances and décor. Check out your local tour of homes or visit some open houses in new construction neighborhoods. Living spaces like mudrooms and home offices are all the rage; formal living rooms are not. Stick with your style. Many experts agree that your remodeling projects should reflect the style of your home. For example, if you live in an ultra-contemporary condo, a quaint country kitchen might seem out of place and turn off potential buyers when you're ready to sell. Kitchen updates. The kitchen is the heart of the home for many families and in addition to food preparation it's also a place to pay bills and do homework. Today's kitchens tend to be open and often include cabinets for TVs, computers and small appliances. There are so many choices when it comes to kitchen cabinets, fixtures, flooring and appliances; where do you start? Lowe's offers a free Kitchen Renovation Planner that can be downloaded here. http://www.lowes.com/lowes/lkn?action=pg&p=kitchplan/KitchenRenovPlanner.html&rn=none&lks=pcgp3 Go green. Eco-friendly materials like bamboo flooring are gaining in popularity. So are Energy Star® appliances, windows, and lighting products, which increase energy efficiency. Lowe's has a wide variety of energy-saving products that can save you money. Check it out: click here. http://www.lowes.com/lowes/lkn?action=pg&p=/MiddlePageFiles/middleEnergyCenter.html&source=endban&campid=Energy Go outside. Outdoor living spaces are the latest trend in adding a room without adding four walls. At the high end of the market, outdoor living rooms, kitchens and fireplaces are becoming standard. Technically speaking . . . As our lives become more dependent on technology, homes will become "smarter", allowing homeowners to remotely arm a home security system, turn appliances on and off, and control thermostats. Artisan color trends. The colors of 2007/2008 turn over a new leaf encompassing the natural, the ethereal, the homespun and the restful. These vivid elements inspire sophistication, regality, and simplicity. To view the Artisan color pallets, click here. http://www.valsparatlowes.com/explore-colors/color-by-trend.html You can also create your own Idea Notebook online, courtesy of Valspar and Lowe's.

8 Home Organization Tips

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 02:24:40 -0700

Start with a plan. 1. Make a list of projects you want to complete during the year and prioritize them. You don't have to do everything in January and February; pace yourself so you won't feel overwhelmed. Take three simple steps. 2. Every organization project starts with three basic steps: purge the items you no longer want or need, analyze what's left to determine how you use it and measure the space you have to figure out what will fit where. When you're organizing, use a three-box system: keep, discard, and don't know. When you're finished, seal the don't know box and put it away. If you haven't opened it in a year, you don't really need whatever is in there. Throw it away without looking inside. Clean out the closets. 3. Get everyone in your household involved by competing for the "cleanest closet" award. When organizing a closet, frequency of use is an important consideration. Things you reach for at least once a week should be stored at a height between your shoulders and your knees. Lowe's has a variety of closet organizers to handle hanging garments, shoes, sweaters, and all types of accessories. De-clutter the kitchen. 4. The kitchen is often a catch-all for clutter. Review what's on your counters and move small appliances and cookware you use most often to easy-to-reach cabinets. Lowe's has an Unfinished Oak Lazy Susan Corner Unit that's perfect for maximizing your corner cabinet storage space. Tidy up the bathrooms. 5. Clean out all the drawers and cabinets by tossing out expired products and items you haven't used in at least a year. Then sort your products in a drawer organizer, such as the Real OrganizedTM Chrome Drawer Organizer, available at Lowe's. Make laundry day a breeze. 6. Keep a plastic shoe box in the laundry room to store items you find such as lipstick, buttons and money. Set up a three-basket hamper system in your closet or bathroom so you can sort your clothes the moment you take them off, making laundry day that much easier. Organize your home office. 7. Customizable closet systems aren't just for bedroom closets. Check out Lowe's selection of shelves, drawers and hanging storage for your home office closet. Lightweight storage bins are great for files you use often and come in decorative canvas, metal, wood and plastic styles. Don't forget the basement and garage. 8. Oil drips, grass clippings and trackedin mud make basements and garages a challenge to keep clean and organized. The best way to organize these areas is to create "zones" and keep the tools and products you need in their respective zones, such as lawn care (mower, tools, potting soil), car care (antifreeze, oil, car wax), sports equipment/toys, and general hardware/tools. ©2007 by Lowe's®. All rights reserved.Lowe's and the gable design are registered trademarks of LF, LLC.

Santa Clarita Concerts in the park

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 02:05:17 -0700

All Concerts are FREE and take place at 7:00 p.m. @ Central Park

	July 5 - Santa Clarita SymphonyA salute to great American Musicals with songs from Rogers and Hammerstein, Bernstein and Sondheim and Tin Pan Alley composers George Gershwin, Cole Porter and Irving Berlin, plus a patriotic salute to John Philip Sousa!

	July 12 - No DuhNo Duh captures the complete essence of a Gwen Stefani & No Doubt concert, mixing their music with nostalgic visuals, stylings and props from their videos, complete with costumes and a rockin' sense of humor.

	July 19 - Bonne Musique ZydecoInfectious dance music, rhythms, and an uninhibited beat is the best way to describe zydeco-music that will keep your feet and body moving, and raise your heart rate!

	July 26 - Hollywood U2Having toured many countries, Hollywood U2 has the experience and all the elements to emulate one of the greatest rock bands in the world like no other. They deliver the true sentiment and energy of U2's material with extremely accurate interpretations of U2's countless hits.

	August 2 - Durell Coleman Soul ReviewEx="star Search" winner Durell Coleman and his band have opened for Earth Wind & Fire, The Temptations, and Anita Baker. With multiple lead vocalists, choreographed dance steps, and a powerful horn section, the Durell Coleman Soul Review performs classic R&B, Motown and DAnce hits.

	August 9 - The CrazeAn irresistibly great show where girls scream, hipsters dance, cowboys smile and everyone has fun. The Craze's influences range from 60's rock to 80's new wave: imagine the Beatles putting together a Duran Duran tribute band.

	August 16 - Ken O'Malley & the Twilight LordsJourney to the heart and soul of Ireland with Ken O'Malley and the Twilight Lords, a band that will fill Central Park with classic American and British roots rock as well as Irish favorites.

	August 23 - Queen NationQueen Nation is an amazing recreation of vintage Queen, with vocalist Joe Retta capturing Freddy mErcury's voice, style, and mannerisms and guitarist Mike McMannus replicating Brian May riffs. Queen Nation has been hailed by many critics as one of the best Queen re-creations in the world.

Santa Clarita Dodger Day

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 01:58:23 -0700

The last day to purchase tickets is MAY 29 at 5:00 pm or when our tickets are sold out. HURRY! THIS GAME WILL SELL OUT FAST! QUANTITIES ARE LIMITED! FIRST COME, FIRST SERVED! vs. Chicago Cubs Saturday, June 7 A portion of the proceeds will benefit participating SCV non-profit groups. SAVE UP TO PER TICKET FIELD LEVEL: $30 INFIELD RESERVE: $20 ALL YOU CAN EAT RIGHT PAVILION FIELD: $28 Pre-Game Festivities: 12:45 Game Start Time: 12:55 TICKET SALE LOCATIONS: • The Signal • KHTS • City of Santa Clarita • WaMu CO-SPONSORS: City of Santa Clarita • The Signal Newspaper • SCV Dodger Night Committee William S. Hart Baseball & Softball • KHTS 1220 AM • SCV WaMu Branches

Free Lamp Exchange

Samuel Silver (Keller Williams VIP Properties) — Thu, 22 May 2008 01:49:58 -0700

City of Santa Clarita Residents: Pre-Registration Required • Trade in your old halogen torchiere floor lamp for a FREE energy efficient fluorescent model ($60 value). • Pre-registration is required. To secure your new torchiere, please call (800) 968-5203 or email partnership@energycoalition.org. • Limited to the first 500 participants. • Your choice of black, white or satin nickel. Parking Lot of Santa Clarita City Hall 23920 Valencia Blvd. Santa Clarita, CA 91355 Why Trade? To register, call (800) 968-5203 or email partnership@energycoalition.org. FREE Lamp Exchange! Saturday, June 7th • 8 am - 12 noon Cut your energy usage by 70%, while saving up to $250. Halogen lamps burn as hot as 1,000ºF and are responsible for hundreds of fires. Save Be Safe Magic Mountain Pkwy. N McBean Pkwy. Valencia Blvd. This program is funded by California utility ratepayers and administered by Southern California Gas CompanySM and Southern California Edison, under the auspices of the California Public Utilities Commission.

Santa Clarita Ca Chamber May Calender of Events

Samuel Silver (Keller Williams VIP Properties) — Mon, 19 May 2008 02:07:57 -0700

	1 · SCV Mayors Prayer Breakfast · SCValleyMommies Park Playdate · COC Theatre: The Hobbit · Parks, Recreation, & Community Services Commission	2 · 7-Eleven Grand Opening in Saugus · SCV Man and Woman of the Year Dinner · COC Theatre: The Hobbit · Castaic Days · Necessary Targets	3 · 3rd Annual Santa Clarita Rally for the Troops · Shop on a Budget Store Tour · Mother's Day Tasting · 2nd Annual SCV Fibro Faire · Castaic Days · SCValleyMommies Ugly Coffee · Free "The Secret" Movie Screening · Artist To Stop Traffik · Eleos Arts Recital · FREE COMIC BOOK DAY! · COC Theatre: The Hobbit · Second Annual Community Health Fair · Necessary Targets
4 · Pride Week · COC Theatre: The Hobbit · Child & Family Center's Taste of the Town · Castaic Days · SCV Healthy Baby Expo	5 · Newhall Redevelopment Committee Meeting · Family Fun Night! at the Valencia Library · Young Life Fundraising Golf Tournament · Pride Week · DivorceCare / DivorceCare 4 Kids	6 · Spiritual Care Training · Make it and Take it Art with Margo Gravelle · SCValleyMommies Chatty Tuesday Evenings · Pride Week · Planning Commission Meeting · American Contract Bridge League · SCValleyMommies Park Playdate	7 · VIA Regional Summit · Pride Week · Angels of Hope Club	8 · Quilt Guild Meeting · Pride Week · VWC''s Ms Taken Identity Luncheon · SCValleyMommies Kidstown Meet-up	9 · "The Encounter" Self Mastery Workshop · COC Dance: Spring Dance Performance · Pride Week · SCValleyMommies Chatty Friday Mornings · SCValleyMommies Mommies Night In (Arbonne Party)	10 · Pride Week · 4th annual Monopoly Mania · "The Encounter" Self Mastery Workshop · A Day of Glamour for Mothers · Indoor/Outdoor Boutique and White Elephant Sale · Day Before Mother's Day · Monopoly Mania 4 · Turtle Island Quartet · Castaic Lake Water Agency Open House · Cub Scout Cup · R.E.A.D. to a Dog · Free Landscape Education Class · SCValleyMommies Storytime
11	12 · Your Body's Secret Language...Revealed! · Cheer Evaluations · DivorceCare / DivorceCare 4 Kids · SCValleyMommies Park Playdate	13 · Spiritual Care Training · The Biggest Winner · Children's Manners Workshop · Cheer Evaluations · City Council Meeting · A Successful Transition to Junior High School · American Contract Bridge League	14 · SCV Computer Club Celebrates 20th Birthday in May · Zonta Club of SCV Monthly Business Meeting · "Mobilizing the Progressive Vote" · Cheer Evaluations · Spirited Political Conversations	15 · Bike to Work Day Challenge · SCVSingles May Event · SCValleyMommies Park Playdate	16 · Men's Barbeque and Cigar Night! · 13th Annual Spring Home & Garden Show · The Full Monty · COC Symphonic Band & Jazz Ensemble "Pops" Concert	17 · 13th Annual Spring Home & Garden Show · Special Olymics Spirit Games 2008 · Mary Ellen's Tea Party · Brenda Mehling Cancer Fund Fight It! 5K Run/Walk · The Full Monty · SCValleyMommies Ugly Coffee · 2nd Annual SCV Candlelight Vigil for our Military · COC Choir presents Spring Songfest · Frontier Toyota/HMNMH Golf Classic · "FIGHT FOR OUR TROOPS"
18 · 13th Annual Spring Home & Garden Show · EcoFest 2008 · The Full Monty · SCV Theatre Project Salon with Sally Struthers · 3rd Annual Bowling For Youts'	19 · DivorceCare / DivorceCare 4 Kids · Zonta Golf Tournament	20 · Spiritual Care Training · SCValleyMommies Chatty Tuesday Evenings · Planning Commission Meeting · American Contract Bridge League · Planning Commission Study Session	21 · SCARC Club meeting · Spring Garden Party · 5% Day at Whole Foods Market · COC Theatre: New Works Festival	22 · Meet Judicial Candidates · COC Theatre: New Works Festival	23 · The Full Monty · "The Encounter" Self Mastery Workshop · My Fair Lady · NEWHALL COFFEE PRESS CONFERENCE · COC Theatre: New Works Festival · SCVYO "From the Old World to the New World" · SCValleyMommies Chatty Friday Mornings	24 · Santa Clarita Artists'' Association Paint Out · The Full Monty · Your Body's Secret Healing Language....Revealed!! · My Fair Lady · COC Theatre: New Works Festival · SCValleyMommies Storytime · SCValleyMommies Storytime
25 · The Full Monty · Memorial Day BBQ at Whole Foods Market · "The Encounter" Self Mastery Workshop · My Fair Lady · COC Theatre: New Works Festival · Singer/Songwriter Kim Acuna to share music	26 · Memorial Day BBQ at Whole Foods Market · DivorceCare / DivorceCare 4 Kids	27 · Spiritual Care Training · City Council Meeting · American Contract Bridge League	28 · Zonta Club Installation · Empowerment Workshop "Oh C'mon, Get Real!"	29 · "The Encounter" Self Mastery Workshop	30 · The Full Monty · My Fair Lady · California Kids Consignment Sales Event · COC Graduation	31 · The Full Monty · SCValleyMommies Ugly Coffee · Cancer Prevention Study -3 enrollment · Hunger Defense Fund Food Drive · My Fair Lady · California Kids Consignment Sales Event · "The Encounter" Self Mastery Workshop · Relay For Life · SCV Wine Classic

Five Smart Investments for selling your place

Samuel Silver (Keller Williams VIP Properties) — Fri, 11 Jan 2008 16:50:00 -0800

Create space and light.People buy places that have space and light. Even if you don't have much of it, you can create the illusion of having it with a few small investments. One quick affordable way to create a "light" and airy feel is to apply fresh, neutral paint on the walls in every room. This will make your space look and smell great!To create the feel of "spaciousness," even in a small space, make sure you remove anything from the floor that isn't a piece of furniture. Whether you get a storage facility, donate items to charity or ask a friend for help storing boxes, get "non-furniture items" off of the floor and out of the living space! By updating paint on all of the walls, and removing unnecessary floor clutter, you create a light and spacious environment, which is vital to successful selling.Invest in good windows. Energy efficiency is very important to most buyers these days, so they are looking at exposures and windows. Insulated windows are always a plus and they typically pay for themselves within five years. Think green and landscape. Mature trees are worth a mint, while having outdoor spaces with pergolas, garden swings and well maintained fences and hardscape create tremendous appeal. You don't have to spend a fortune to create an inviting look with your landscape. Plan ahead and buy small plants and trees that you know will grow quickly. It helps keep things affordable and creates a "move-in ready" feel for most buyers. Buy or build storage options.Whether it's built-in, free standing or attached to the ceiling in the garage, nothing beats an abundance of storage. An oversized garage can be invaluable to some buyers that lead active lifestyles. If you don't have an attached garage, carve out some attic space, create storage under stairways when possible and make the most of any closets by adding shelving upwards and downwards. If you have a two-car garage, leave extra space open for your home showings , to ensure the appearance that there is a place for everything; like those things we all have, including bicycles, mowers, snow blowers or shovels. Storage is important to most people, so a little bit will go a long way in making a positive impression.Finish basements and add built-ins. Finished basements look great and add value. Ten years ago, nobody cared about a finished basement but now everybody wants one. Obviously, basements are not available in all parts of the United States but where you find basements, you will discover buyers that want them finished.In the areas of our country where basements are not an option, built in furniture is in demand! Buyers want built-in's for computers, television sets, stereos, kitchen storage and books. Nearly any type of built-in is desirable to a prospective buyer and such features provide a good return on investment for sellers.Happy house selling & buying this holiday season and best wishes for a prosperous new year.

TAX BREAK FOR MORTGAGE DEBT FORGIVENESS

Samuel Silver (Keller Williams VIP Properties) — Fri, 21 Dec 2007 00:20:26 -0800

TAX BREAK FOR MORTGAGE DEBT FORGIVENESSPresident Bush signed into law today a new measure giving tax breaks to homeowners who have mortgage debt forgiven. Under preexisting law, the debt forgiven by a lender, such as for short sales and refinances, was generally taxable to the borrower as debt discharge income. With the passage of the Mortgage Forgiveness Debt Relief Act of 2007, a taxpayer does not have to pay federal income tax on debt forgiven for a loan secured by a qualified principal residence.This tax break applies to debts discharged from January 1, 2007 to December 31, 2009. Qualified principal residence indebtedness is debt incurred in acquiring, constructing, or substantially improving the residence (up to $2 million for refinances).For purposes of calculating capital gains, any debts discharged excluded from income under the new law must be subtracted from the basis of the taxpayer's principal residence (but not below zero). However, taxpayers may generally exclude from capital gains income up to $250,000 (or $500,000 for married couples filing jointly) for properties owned and used as their principal residence for at least two of the last five years.For a copy of the Mortgage Forgiveness Debt Relief Act of 2007, go to http://www.govtrack.us/congress/bill.xpd?bill=h110-3648.

Beaumont Ca Demographics

Samuel Silver (Keller Williams VIP Properties) — Thu, 29 Nov 2007 04:47:18 -0800

WELCOME TO BEAUMONT, CALIFORNIA

Population: 28,250* ( As of July 2007) Trade Area Population: 75,000 (10 mile radius, est. March 2007) Trade Area Population: 120,000 (15 mile radius) Persons per household: 2.7Taxable Sales: $249,810,000

Real Estate values: Residential - The average home cost of all residential transaction for the third quarter of 2007 was $372,064,00. Commercial: Questions concerning the numerous business opportunities in Beaumont should be directed to Mr. David Dillon, Economic Development Director with the City of Beaumont. 951 769-8520 The official City web site http://www.ci.beaumont.ca.us/Beaumont Police DepartmentThe Beaumont Police Department, under the guidance of Chief Frank Coe, is actively recruiting top quality officers and adding programs to better sever a growing population. For detailed information concerning the Beaumont Police Dept. please consult the Department web site http://www.ci.beaumont.ca.us/policedepartment.htmPhone Number 951 769-8500Beaumont Fire Department The Beaumont Fire Department is contracted with Riverside County Fire Department. Station 66 is fully staffed 24 hours each day, 365 days per year by eight paid professional firefighters. Currently there is one Captain, two engineers and five firefighters assigned to Station 66. The full time firefighters are supported with help of 20 to 30 members of the Beaumont Volunteer Fire Company. Station 66 staffing includes 3 Paramedic firefighters, providing Beaumont residents a paramedic on duty 24 hour per day. The web site is http://www.rvcfire.org/opencms/ContractCities/Beaumont.htmlThe non-emergency phone number is 951 845-3718 Beaumont Library DistrictThe Beaumont Library District was founded and funded in 1911 by the Carnegie Foundation. The classic Library Building is located at the corner of 8th Street and California Ave. in Beaumont. The Library houses over 56,000 volumes plus computer terminals, videos and CD's. The Library currently serves over 14,000 borrowers. The phone number is 951 845-1357, The web site is http://www.bld.lib.ca.us/ Beaumont-Cherry Valley Water DistrictThe Beaumont - Cherry Valley Water District was established in 1919 as an irrigation district. The district currently services over 12,500 residential and commercial meters in the city Beaumont and the surrounding unincorporated Cherry Valley (as of March 2007). The District primarily pumps high quality ground water with supplemental "State Water Project" water available through the San Gorgonio Pass Water Agency. All new development in Beaumont is double piped with purple pipe to receive reclaimed waste water. The district can be contacted at 951 845-9581 or the web site is http://www.beaumontcachamber.com/www.bcvwd.orgCommunication: Telephone service for the city of Beaumont has recently been completely re-wired with new state of the art fiber optic cable, to facilitate Verizon FiOSTV, High Speed Internet, Telephone and TV to every household .

Mileage to nearby cities:	Mileage to Medical Facilities:
Banning: 5.5	San Gorgonio Memorial Hospital: 5
Calimesa: 6.5	Redlands Community Hospital: 16
Redlands: 15	Riverside County Medical Center: 14
San Jacinto: 9.5	Loma Linda Medical Center: 21
Hemet: 12.5	Jerry Pettis Veterans Hospital: 21
Moreno Valley: 15	Kaiser Fontana Hospital: 35
Riverside: 25

Mileage to Recreation Areas:	Mileage to Airports
Oak Glenn Apple Country: 10	Banning Municipal Airport: 7
Casino Morongo, (Indian Gaming): 10	Palm Springs Municipal Airport: 30
Lake Perris: 10	Ontario International Airport: 45
Diamond Valley Reservoir : 16	March Air Reserve Base: 20
California Speedway: 30	San Bernardino Int., Norton AFB: 27
Mountain Ski Resorts: 45	Los Angeles International: 100
Beach Cities: 65

Transportation Union Pacific Railroad Main Line with sidings available. For information concerning rail sidings contact, Economic Development Director, Mr. Dave Dillon. (951 769-8520) City Bus service connects with City of Banning and Riverside Transit Authority.

Sam Silver from Tarbell REALTORS Current Listings

Samuel Silver (Keller Williams VIP Properties) — Thu, 29 Nov 2007 04:35:30 -0800

	Samuel Silver Visit My Web Site(951) 849-2676(951) 849-2724 fax(951) 203-0787 cell phonessilver@tarbell.com

1318 BAKER ST, LONG BEACH, CA 90810

SAVE

$549,900 4 Bedrooms 2 Bathrooms 1,807 Est. Sq. Ft.

Virtual Tour Photo Tour
Listing # I07105192