This information is designed to answer some of the most often asked questions. If you don't see what you are looking for, fill out this form and I will get back to you shortly with the answers you are looking for. You are always welcome to call me directly at 626-274-1481.

 What is Prop 13?



  • Those who have owned their homes for a while, easily see the value of Proposition 13. Many of us remember that before Proposition 13 the average property tax rate in California was three percent of assessed value and there was no limit on annual increases. In those days, if a house on your block sold for much more than you paid for your house, you shuddered in fear when you received your next property tax bill. Chances are, your new taxes would be based on what your new neighbor was willing to pay for his home. Things got so bad in the late 1970s that people were actually losing their homes because of uncontrolled tax increases. The assessment rate is now only one percent for all California property and annual tax increases are limited to no more than two percent. When property is sold it is then reassessed at market value, but the rate remains at one percent and the new owner is then protected by the two percent cap on annual increases. What good is Proposition 13 to me? Every owner of property in the state is covered. Proposition 13 is Article XIII A of the California Constitution. How come I'm paying more in property taxes than some of my neighbors who have similar houses? Under Proposition 13 you determine how much your property taxes will be. Your taxes are not based on your neighbors', but are based on the price you voluntarily agreed to pay for your new home. We all get the same services, but I pay more. How can this be fair? In California, just like other states, services have never been related to the amount you pay in property taxes. If services were tied to what you paid, you might see four fire trucks assigned to a costly home while only one would protect a less expensive residence. In fact, property taxes are not allocated for specific services. They go into the general fund along with other taxes and it is local public officials who determine how the money will be spent. It still seems like I'm paying too much! We all feel that way, but in fact, thanks to Proposition 13, the tax rate for all Californians is only a third of what it was. If you think things are bad now, multiply your tax bill by three and see what you get. That's easy for your to say, you're still paying less than I am. That may be true, but I've been paying for years. It's the neighbors that were here ahead of you that paid for all these local improvements you now enjoy. I still don't see what good Proposition 13 is to me. Besides your lower tax rate, it makes your taxes predictable. In a few years when new houses sell in the neighborhood for two or three times what you paid, you will be protected. Under Proposition 13 your property taxes can't go up more than two percent a year. You are going to find that very important when you get around to planning your retirement. If you ever find yourself on a fixed income, chances are, because of Proposition 13, you'll be able to keep your home
  • Key to Title Insurance Savings
    Investors who plan to “turn over” their properties within a short period of time should consider the Interim Binder to save on title insurance premiums. The interim binder is not, in itself, a policy of title insurance. When issued, however, it binds the insurer to issue a policy of title insurance within three years. The fee is a mere 10% of the basic policy fee to the requesting party. When the deed of the final purchaser is recorded, the binder is exercised and a policy of title insurance is issued to the final purchaser. The only additional fee at the time would be an additional liability charge based upon the difference between the original selling price and the selling price to the final buyer. Questions: Q. May I extend my binder for a period longer than 3 years? A. Yes, if you inform us, prior to the time it expires. Call your Fidelity Title Officer for details; you can extend it for a fourth year for an additional 10%. Q. Can the binder be used by only by investors? A. No. Suppose you have a client who may be transferring out of the area within three of four years. The binder could save your client a significant amount of money at the time of sale. Q. What if I suffer a title claim during the binder period? May claim under the binder? A. In the unlikely event that there is a claim, the binder would be surrendered and converted to a policy and handled like any other policy claim. Q. May I use my binder for future issuance of a policy of title insurance to a lender should I decide to refinance rather than sell? A. There is a method to exercise the binder at the time of refinance which could save you hundreds of dollars. Call your Fidelity Title Officer for an explanation. Q. May I use the binder on any type of property? A. Generally speaking, yes. For example, suppose you purchase a piece of vacant land and subsequently develop it. You could purchase a binder at the time of acquisition and exercise it once construction is completed and you sell it. Q. What if my property resells for the same or less than original price? A. There would be no additional title insurance cost at the time of sale.
  • Understanding Required IRS Reporting
    Sellers of real property will have certain information regarding the sale reported to the Internal Revenue Service This required reporting is a consequence of the Tax Reform Act of 1986; it is intended to encourage taxpayer compliance and aid in audit and enforcement efforts by the I.R.S. To help you better understand this subject, the California Land Title Association has answered some of the questions most commonly asked about Required Reporting to the I.R.S. Q: Who is required to report to the I.R.S.? Sellers of real property, under guidelines established by the I.R.S., are required to have their gross proceeds from the sale reported on a Form 1099S. When a settlement agent is used, the I.R.S. makes this agent responsible for the delivery of the information on the Form 1099S. The settlement agent generally will be the escrow agent or title company; however, it may be an attorney, real estate broker or other person providing settlement services. Q: What is an I.R.S. form 1099S and what will be reported? The Form 1099S is the reporting form adopted by the I.R.S. for submitting the information required by law. The information will be transferred onto magnetic media by the settlement agent who will store the information and make the required report to the I.R.S. The settlement agent is also responsible for keeping a master copy of all transactions reported. In general, information required by the I.R.S. falls into the following categories: 1)The name, address and taxpayer ID number (social security or tax identification #) of the seller(s). 2)A general description of the property (in most cases and address.) 3)The closing date of the transaction. 4)The gross proceeds of the transaction (even though gross proceeds do not correspond to taxable income.) 5)Any property involved as part of the transaction other than cash or cash equivalent. 6)The name, address and taxpayer identification number of the settlement agent. Q:On what type of transaction is a form 1099S required? Currently, typical homeowner transactions covered include sales and exchanges of 1-4 family residential properties such as houses and condominiums. Also reportable is stock in cooperative housing corporations and mobile homes without wheels. Specifically excluded from reporting are foreclosures and abandonment of real property and financing or refinancing of properties. Q:What happens if the seller(s) refuses to provide the taxpayer identification number for the form 1009S? Should the seller fail to provide the identification number and certify its correctness, the settlement agent may choose to: 1)Delay the closing of the transaction until the information is furnished, or 2)Complete the transaction and report to the I.R.S. that an attempt was made to obtain the information from the seller. Q: How is the sale reported when there is more than one seller ivolved or when multiple sellers do not own equal interests in the property? Multiple sellers may allocate the gross proceeds among themselves for purposes or reporting. If there is no allocation, an incomplete allocation or conflicting allocations, then the entire gross proceeds will be reported for each seller. Q:Where can I go for further information on taxation of real property? The I.R.S. provides free publications that explain the tax aspects real estate transactions you may wish to order: Publication #523 - “Tax Information on Selling Your Home? Publication #530 - “Tax Information for Owners of Homes, Condominiums and Cooperative Apartments? Publication #544 - “Sales and Other Disposition of Assets? Publication #551 - “Basis of Assets? To Place your Order, Phone Toll-Free (800) TAX FORM
  • Purpose of Subdivision Public Report
    What is the purpose of the Subdivision Public Report? The purpose of the Subdivision Public Report is to inform the consumer about a specific property / project, thereby offering some protection from misrepresentation, deceit and fraud. During the processing of the Subdivision Public Report, the California Department of Real Estate, among other things, reviews the developer’s project management budget, deposit money handling, advertisements and the guarantees made to complete all promised improvements. What State of California agency is responsible for policing compliance with Public Reports? The Commissioner of the Department of Real Estate is responsible for policing compliance of the Subdivision Public Report. Whenever the Commissioner believes from satisfactory evidence that any person has or is about to violate any provisions, conditions, or requirements of the Subdivision Public Report, the Commissioner may bring an action in the Superior Court against such person, in the name of the State of California. Why is the California Department of Real Estate Subdivision Public Report important to a new home buyer? The Subdivision Public Report gives a potential home buyer pertinent information regarding the subdivision he/she is buying into. Although the Public Report is neither an offer nor a recommendation to purchase, it is an invaluable source of information for the consumer. Also important is the disclosure portion of the Public Report which serves to alert consumers to any negative aspects of a particular offering. What California State Agency is responsible for issuing the Subdivision Public Report? Under the California Business and Transportation Agency is the Department of Real Estate, whose Chief officer is the Real Estate Commissioner. It is the Real Estate Commissioner’s duties, through the Department of Real Estate, to issue the Subdivision Public Reports, license real estate brokers and sales persons, and adopt rules and regulations for the enforcement of the California laws dealing with the real estate industry. How does the California Department of Real Estate protect the subdivision purchaser? The Department of Real Estate has established stringent guidelines and standards with which developers must comply when structuring their projects. All aspects of the subdivision offering are subjected to these guidelines and standards in order to protect the public from misrepresentation, deceit and fraud
  • Title Policies
    If you sell or refinance your home within 5 years of the original transaction date, you are eligible to receive Fidelity National Title’s special 20% Short Term Rate! CLTA Standard Coverage Policy (1990): Provides title insurance coverage to owners and/or lenders with insurable interests in real property. Basically insures against loss or damage by reason of matters appearing in the public records, as defined. ALTA Owners Policy (1/17/92): Provides title insurance coverage to owners with insurable interests in real property. This is usually requested as an “extended coverage?policy, but may be issued as a “standard coverage?policy as well. ALTA Residential Title Insurance Company (6/2/87)(ALTAR): Provides title insurance coverage, written in “plain language.?Limited to owners of a one-to-four family residential lot or condominium unit. Includes limited coverage for certain matters such as encroachments, mechanic’s liens and violations of restrictions or zoning. ALTA Homeowner's Policy of Title Insurance for a One-to-Four Family Residence (10/17/98): Provides title insurance coverage to owners of improved one-to four family residential property. Expands the number of covered title risks to 29, including certain specified risks that may arise in the future. Provides for payment of a “deductible?in some instances. Our maximum coverage policy (ALTA Homeowners Policy of Title Insurance) can be had for the applicable premium plus an additional 10% of that premium.
  • What is Escrow
    An escrow is created when money and/or documents are deposited by two or more persons with a third party which are to be delivered upon the happening of certain conditions. The third party is known as the escrow agent or escrow holder. The authority given to an escrow holder is strictly limited by instructions provided by the parties involved. Consequently, an escrow holder acts on mutual instructions deposited into escrow and DOES NOT represent any party. The escrow officer is authorized by instructions to allocate funds for items during the escrow period, such as real estate commissions, title insurance, liens, recording fees and other costs. Instructions also specify the method of collecting funds, proration issues, time limitations and all the terms of the transaction. The escrow process protects all parites involved by retaining money and documents until the mutual instructions are met. The statutory definition of escrow is found in Section 17003 of the California Financial Code and reads as follows: Escrow?means any transaction wherein one person for the purpose of effecting the sale, transfer, encumbering, or leasing of real or personal property to another person, delivers any written instrument, money, evidence of title to real or personal property, or other thing of value to a third person to be held by such third person until the happening of a specified event or the performance or a prescribed condition, when it is then to be delivered by such third person to a grantee, grantor, promisee, promisor, obligee, obligor, bailee, bailor, or any agent or employee of any of the later.
  • What is an Uninsured Deed?
    Q: What is an uninsured deed? Most common problems from Uninsured Deed's come form Quitclaim deeds between family members, especially husband and wife. When a person is added to title, it is a window of opportunity for matters against him/her to attach to the property. Q: Why should it be of concern to you when taking a listing? -Is it a divorce situation? -Was it signed in distress? -Possible bankruptcy? Q: How can you spot an uninsured deed when you order a profile from Fidelity Title and look at the deed? -Look for accomodation stamp. -No title company or title company title order number. -No escrow number showing on document. -No document stamp showing under the fee section. -Handwritten document. -Time recorded is not 8:00 am in the morning.
  • Types of Searches for Title Orders.
    The Statement of Information (SI) is one of the most important forms that your client fills out. It should be completed and sent to your Fidelity Title Officer as soon as possible. Two Types of Searches done on every title order: 1. Property Search Encumbrances, trust deeds, voluntary liens 2. People Search Tax liens, judgments, bankruptcies, notice of actions Almost 90% of problems on title come from the People Search.
  • Requirements for Insuring Trusts.
    In today's world of busy probate courts and exorbitant death taxes, the living trust has become a common manner of holding title to real property. The following may help you understand a few of the requirements of the title insurance industry if title to property is conveyed to the trustee of a living trust. WHAT IS A TRUST? An agreement between a trustor and trustee for the trustee to hold title to and administer designated assets of the trustor for the use and benefit of one or more beneficiaries. CAN A TRUST ITSELF ACQUIRE AND CONVEY INTEREST IN REAL PROPERTY? No. The trust is an arrangement between a trustee and the trustor only. The trustee, on behalf of the trust, may own and convey any interest in real property so long as the trustee acts within the powers granted by the trust to the trustee. CAN THE TRUSTEE GIVE SOMEONE A POWER-OF-ATTORNEY? Only if the trust specially provides for the appointment of an attorney in fact. WHAT WILL THE TITLE COMPANY REQUIRE IF A TRUSTEE HOLDS THE TITLE TO THE PROPERTY WHICH IS PART OF THE TRUST? First, a full copy of the trust and any amendments. Second, a certification that the copy of the trust and amendments (if any) are complete and true copies, and the names of the present trustees of the trust. MY TRUST CONTAINS A CERTAIN AMOUNT OF MONEY TO BE GIVEN TO VARIOUS CHARITIES WHICH IS NONE OF YOUR BUSINESS. CON I OMIT THESE PAGES? Because many provisions may be on the same page, the answer must be no - but the companies may accept a copy of the trust with those amounts blacked out. IF THERE IS MORE THAN ONE TRUSTEE, CAN JUST ONE SIGN? Maybe. The trust must specifically provide for less than all to sign. WHAT WILL THE TITLE COMPANY REQUIRE IF ALL THE TRUSTEES HAVE DIED OR ARE UNWILLING TO ACT? If the trustor is not able to, or the trust provisions prohibit the trustor from appointing a new trustee, the court must do so. WHO CAN BE A TRUSTEE? Any individual not under a legal disability or a corporation that has qualified to do a trust business in California. HOW DOES A NOTARY ACKNOWLEDGE THE SIGNATURE OF THE TRUSTEE? Title is vested in the trustee. Hence, if the trustee is an individual or corporation, then the new general form of acknowledgement will be prepared to reflect the intrinsic nature of the trustee. HOW WOULD THE DEED TO THE TRUSTEE ORDINARILY BE WORDED TO TRANSFER TITLE TO THE TRUSTEE? "John Doe and Mary Doe, as trustees of the Doe family trust, under declaration of trust deed dated January 1, 1992." ARE THERE ANY LIMITATIONS ON WHAT A TRUSTEE MAY DO? Yes, the trustee is limited principally and most importantly by the provisions of the trust and, thus, may only act within the terms of the trust. The probate code contains general powers which, unless limited by the trust agreement, are sufficient for title insurers to rely on for sale, conveyance and refinance purposes.
  • Proposition 80/90


    Do you qualify to keep your current tax rate on your replacement property?
    The replacement property must be the owner's principal residence and eligible for the Homeowners' Exemption. The original property, at the time of its sale, must have been eligible for the Homeowners' Exemption, or entitled to the Disabled Veterans' Exemption. The seller of the original residence, or a spouse residing with the seller, must be at least 55 years of age, as of the date that the original property is transferred. The replacement property must be of equal or lesser "current market value" than the original. If the replacement is purchased in Los Angeles County, the original can be located in Los Angeles County or any other California county. Several other counties have passed similar Proposition 90 local option ordinances. If your original is in Los Angeles County, and you want to relocate in another county, contact that county for Proposition 90 eligibility. The replacement property must be purchased or newly constructed within two years (before or after) of the sale of the original property. The owner must file an application within three years following the purchase date or new construction completion date of the replacement property. This is a one-time only filing. Proposition 60/90 relief cannot be granted if the claimant, or spouse, was granted relief in the past. Proposition 60/90 relief includes, but is not limited to: single family residences, condominiums, units in planned unit developments, cooperative housing corporation units or lots, community apartment units, mobile homes subject to local real property tax, and owners' living premises which are a portion of a larger structure. In most instances, if more than one owner of an original property is eligible for Proposition 60/90, they must choose among themselves which one will use the benefits
  • What is 1031 Exchange?


    Q: What is a 1031 Exchange? Section 1.1031, of the Internal Revenue Code of 1986, as amended, offers real estate investors one of the last great investment opportunities to build wealth and save taxes. By completing an exchange, the investor (Exchanger) can dispose of their investment property, use all of the equity to acquire replacement investment property, defer the capital gain tax that would ordinarily be paid, and leverage all of their equity into the replacement property. Two requirements must be met to defer the capital gain tax: (a) the Exchanger must acquire like-kind replacement property and (b) the Exchanger cannot receive cash or other benefits (unless the Exchanger pays capital gain taxes on this money). The tax code states: "No gain or loss shall be recognized on the exchange of property held for productive use in a trade or business or for investment purposes if such property is exchanged solely for property of a like-kind which is to be held for either productive use in trade or business or for investment purposes." Investors can accomplish virtually any investment objective with exchanges including greater leverage, diversification, freedom from joint ownership, improved cash flow, geographic relocation and/or property consolidation. Q: What is involved in a delayed exchange? A typical tax deferred exchange is very similar to a taxable transaction except that prior to closing on the property being sold,, a qualified intermediary, is assigned into the Sale Contract. They sell the property to the buyer and transfer the proceeds safely into a separate exchange account. (The IRS stipulates the exchanger cannot be in actual or constructive receipt of funds at any time during the exchange.) The exchange period begins with the transfer of the first property providing the investor 45 days to identify, and a total of 180 days to close, on "like-kind" replacement property. The exchange is completed when the qualified intermediary is assigned into the Purchase Contract, utilizes the proceeds received to acquire the replacement property, and instructs the closer to transfer ownership to the exchanger via direct deeding. Q: What are the exchange requirements? -Purchase Equal or Greater Value -Reinvest all Net Equity -Equal or greater debt. (Exception: A reduction in debt can be offset with additional cash, however a reduction in equity cannot be offset by increasing debt.) Exchanges must be completed within strict time limits with absolutely no extensions. The Exchanger has 45 days from the date the relinquished property closes to identify potential replacement properties. This involves a written notification to the Qualified Intermediary listing the addresses or legal descriptions of the potential replacement properties. The purchase of the replacement property must be completed within 180 days after of the close of the relinquished property. After the 45 days has passed, the Exchanger may not change their Property Identification list and must purchase one of the listed replacement properties or the exchange fails! To avoid the payment of capital gain taxes the Exchanger should follow three general rules: (a) purchase a replacement property that is the same or greater value as the relinquished property, (b) reinvest all of the exchange equity into the replacement property, and (c) obtain the same or greater debt on the replacement property as on the relinquished property. The Exchanger can offset the amount of debt obtained on the replacement property by putting the equivalent amount of additional cash into the exchange. In the case of real property exchanges, the Exchanger must sell property that is held for income or investment purposes and acquire replacement property that will be held for income or investment purposes. This is the like-kind property test. I.R.C Section 1031 does not apply to exchanges of stock in trade, inventory, property held for sale, stocks, bonds, notes, securities, evidences of indebtedness, certificates of trust or beneficial interests or interests in a partnership.
  • Real Estate Real Estate Real Estate


    Throughout History, real estate has proven to been a great investment, both long and short term.
    I became a real estate Broker because I believe in real estate.
    There are a million ways to make a million dollars in real estate by taking advantage of existing tax laws, through rental and other income properties, flipping, fixer uppers, foreclouse and many many other avenues.
    If you are interested in building real estate wealth, please fill out this form. I will schedule a private consultation with you to determine where you might best begin.
    To me, real estate is like a game, he who has the most wins.
    Lets get togather and develope a plan today. Call me at 626-274-1481 right now so we can begin the road to wealth.
  • Preventing Identity Theft

    https://. The "s" means secure. Or look for the gold lock on the bottom right hand corner of most browsers. This is also an indication that the information you are sharing is secure.

    Minimize Your Exposure to Identity Theft Online: 4 Simple Steps
    Recent advances in technology have helped to streamline and improve the lives of people all over the world. With a swipe of the card we can rent movies and pay for gas. We can use the internet to find better deals on new and used items. We can even go online and order a pizza to be delivered in less than an hour. All of these conveniences that we enjoy are made possible through the use of computers to capture, store, and reproduce data. This same information management technology that we use everyday to enhance our lives is also used by criminals to commit identity theft. The good news is that there are some simple precautions that you can make to minimize your exposure to this type of crime. Identity theft is the use of personal identifying information such as birth date, social security number, or mother’s maiden name to commit fraud. Skilled criminals can use the internet to put together an identity profile for a random individual. These criminals can then take that profile and commit a variety of fraudulent crimes. This type of fraud can range from using a stolen identity to get a credit card under another person’s name to intercepting an electronic transaction and having the funds deposited into an unauthorized account. This type of illegal activity can get your bank accounts frozen bringing your life to a screeching halt. Not to mention what it can do to your credit. Often time’s identity fraud can be more devastating and invasive than having your home broken into. The following tips are some simple practices that you can implement to safe guard yourself against identity theft:
    1) Beware of "Phishers" pronounced Fishers.
    "Phishing" is one of the most common ways that information is captured using the Internet to commit identity theft. "Phishers" attempt to capture your personal information by sending you emails that look like they are coming from a reputable company that you do business with. The email will say something along the lines of "Urgent! Immediate verification of account information needed. Click on the link below." The email may even provide a phony customer service number to call. Either way it is just a scam to get you to voluntarily give up enough information for the criminal to commit fraud. Beware of such emails. Always call and question the purpose for the verification if you think that the email might be legitimate. Make sure that the link takes you to the official site of the company that you have an account with. If not, leave the page by using the "x" in the top corner of the page to close the window. Do not get tricked into clicking on the link within the window that says "close", "cancel", or "ok". Always use the "x". Effective use of your spam filters, firewalls, and routers can further minimize your exposure.
    2) Stop the Spyware and Viruses
    Spyware and viruses fall into a category of computer programs called "malware". Malware is any type of computer program that is designed to infect your computer to monitor and record information going in or out of the system. A spyware program or a virus may be designed specifically to capture your banking information when you make a transaction online. Once the identity thief has this information, he or she can open up other credit accounts in your name, redirect Internet transactions, or commit any variety of other fraudulent activities. Usually, malware appears in the form of a pop up window or random link that appears while surfing the net. If you click anywhere on the window, other than the x in the upper right hand corner to close the window, you are basically granting permission to have your computer infected. Other forms of malware can infect your computer when you download programs or music from the Internet with spyware secretly attached. The FDIC, or Federal Deposit Insurance Company, suggests to avoid becoming a victim of malware while using the Internet use should always be cautious of websites that you and your family visit. If you are going to download music or programs from the Internet, only do so from reputable sites. Reading all licensing agreements carefully is also a good idea to make sure that you are not being tricked into agreeing to allow malware onto your computer. The most important thing is to make sure that anytime you are making a transaction online it is being done with a well know company over a secure server. To make sure that the information you are transmitting is secure. Look for the beginning of the web address to start with
    3) Protect with Passwords
    Many times identity thieves will attempt to gain access to your existing online accounts. They may try to use your credit or debit account to make unauthorized purchases. To protect yourself, place passwords on your credit card, bank, and phone accounts. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Ask if you can use a password instead. Make any passwords or answers to "secret questions" something that only you could know. Changing some of your more important account passwords from time to time can’t hurt either. If one of your normal passwords does not work when trying to access an account, make sure to call the company that you have the account with immediately to check for unauthorized transactions. Most credit card companies also have their own systems in place to offer you additional identity theft protection.
    4) Keep an Eye on It and Act Quickly
    To really protect yourself from identity thieves you need to keep a close eye on all of your open accounts. Review all of your statements each month carefully. Look for anything out of the ordinary or unauthorized. Check your credit report as well for any irregularities. You should also be careful who you share information with. Don't give out personal information on the phone, through the mail, or on the Internet unless you've initiated the contact or are sure you know who you're dealing with. Identity thieves are clever, and have posed as representatives of banks, Internet service providers (ISPs), and even government agencies to get people to reveal their SSN, mother's maiden name, account numbers, and other identifying information. Before you share any personal information, confirm that you are dealing with a legitimate organization. Hopefully you will never be a victim of identity theft. However, if you ever have the slightest suspicion that someone may be using your personal information to commit fraud, the best thing that you can do is act quickly. The sooner you take action the more you will be able to contain any damage that is being done. The first thing that you should do is to contact the company that provides the credit account and notify their fraud department. This should automatically freeze the account until the discrepancy can be investigated. Next, contact one of the three major credit bureaus and have a fraud alert placed on your account with (contacting one will alert all three). All of the conversations and correspondences that you have with the credit bureaus or companies where the fraudulent activities occurred should be documented. You will then want to file a police report and get a copy of the report for your records. Finally, you should report the fraud to the appropriate state agencies and the FTC. You can contact the FTC with an identity theft report directly at
    Being aware of how identity theft occurs and keeping a close eye on your open accounts is the best protection against this type of fraud. According to the Identity Theft Resource Center, the average victim of identity theft spends an average of more than $1400 dollars in out of pocket expenses to correct the situation. This means that prevention really does pay off. Don’t become a victim.
  • Property Management Services


    675 W. Foothill Blvd. #104
    Claremont, CA
    (909) 399-3103
    540 W. Baseline Rd. #16
    Claremont, CA
    (909) 621-5941
    P.O. Box 1510
    Upland, CA 91785
    1275 Center Court
    Covina, CA 91724
    Preferred Business Service
    34428 Yucaipa Blvd #E340
    Yucaipa, CA 92399
  • Stage Your Home For Sale
    The buzzword today with residential real estate agents is staging. Staging a home can change a homes atmosphere that appeals to homebuyers and which may bring a higher price and accelerate market time.
    By adding small decorative touches, rearranging or deleting furniture or creating vignettes a home can look like a professional stager was hired. Mark Nash author of 1001 Tips for Buying and Selling a Home has seen the best and worst in home staging as a real estate broker in Chicago and he shares some do's and don'ts for home sellers that want to try to stage their home.
    • Pick-up recent home decorating magazines. If your not up to speed on current decorating trends it will help familiarize yourself with how interior design is being marketed. Tab pages with low-cost ideas that which will make your home say today.
    • Invite a friend or real estate agent over. A second or third pair of eyes will help you accent the best and edit the worst in your home. Be prepared for some constructive criticism. You want to hear it before you put your home on market, not as feedback from prospective buyers. Go room-by-room with a worksheet so you can take notes. Depending on how much time you have available for an update or a makeover, you will need to prioritize and figure out what will give you the biggest return. Do this at least two months before you put your house on market.
    • Stage a home office if you don't have one. They're not a trend; they're required for homebuyers in 2006. Many homebuyers today work from home part or full-time or want a space where they can organize their life and park a computer. Find an extra bedroom, walk-in closet or an unused corner and convert into a home office. Make sure there is a convenient electric, telephone and cable supply.
    • Focus on living spaces. These areas are where the majority of homebuyers will spend their time. Place a side table and a floor lamp next to a comfortable chair as a reading corner. Float sofas and coffee tables away from walls for a designer look. Use area rugs to anchor furniture groupings on bare tile and wood floors. Living spaces must have matching table lamps. Streamline family photos and place green plants in room. Fireplaces should always be operable and on in season. Place groupings of candles and clear glass bowls filled with natural potpourri on side and coffee tables. Substantial wicker baskets can organize magazines, remote controls and toys. Limit knick-knacks to make room for staging materials.
    • Give attention to Kitchens. Put away in a handy drawer all dish towels and rags. Reduce recipe boxes, barrels of cooking utensils, excess-cooking machines, and cookbooks by two-thirds to open up counter spaces. For a quick update put new hardware on cabinets. Find an out-of-the-way place for a portable dishwasher. Clean off everything on the refrigerator door. Omit throw rugs scattered around the kitchen. Clean off windowsills to open up exterior views. Organize cabinets with clear containers. If you can't see the back wall of a cabinet, buyers will think you don't have enough storage space. Ditto closets. Budget to keep a variety of fresh fruit in a glass bowl on the counter. Edit family bulletin boards. Remove old curtains and install new wood blinds on windows.
    • Spend time on sleeping and bathing spaces. Often over looked in the frenzy to get a home on market, these spaces can make or break a home. Buy a set that consists of a matching bed skirt, bed spread, pillow covers and blinds to match. Buy a new shower curtain and separate liner. Wash the liner often if mold develops. Add complete sets of towels that coordinate with your new shower curtain. Clear all cosmetics off vanity. If you have an over-the-toilet cabinet consider removing and place a piece of artwork in its place. Remember to keep items in the "too much information" category, out of view. If you have a king-size bed in a small room, you'll pay to have buyers over come this negative, so get rid of it now. Clear off dresser and nightstands of excess. Make sure the bedroom receives the maximum natural light. Install closet organizers in closets. Eliminate wall and door hooks for clothes. People might look under your bed, no surprises please.
    • Remember first impressions in entries. A simple consol table with mirror over makes a nice entranceway. Make sure this space is well lit day or night. Place adhesive under rugs so buyers don't trip or slide.
    • Use inexpensive silk flowers. Nothing distracts buyers more that silk flowers that are past their time, inappropriate for the season or thrown together. Throw them out, now.
    • Forget to upgrade Fido's bowl. I've experienced more unhealthy pet food bowls, watering stations and litter boxes than I care to remember. We know you love your pet, but prove it to homebuyers.
    • Overlook window coverings. Buyers today think less is more in window fashion. They want the most light and the least embellishment on windows. And no layered treatments with sheer panels please.
    • Use low wattage light bulbs. Dark, dim rooms are unappealing to homebuyers. They want to see what they might buy. Replace bulbs with manufacture recommended wattages and especially the burned out ones. The newer low-energy bulbs don't cast home or people in flattering light.
    • Think that everyone loves wallpaper. No two people have the same taste in this instant decorator finishes. If it's more than three years old, take it down and paint in a neutral color. And wallpaper boarders are out.
    • Paint with commitment colors. If you've determined that you need to paint, stay away from bold or as I call them commitment colors. Commitment colors are those buyers either love or hate. It can be difficult for buyers to overlay their style on them. As one client said to me "I don't live in a magazine."
    • Think cleaning is a part of staging. Cleaning is what you do before staging. Everything should shimmer and shine. Don't forget the windows.



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    626-274-1481 • DRE 01248368
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