Moreno Valley, CA

Southern California experienced torrential rains yesterday.  No, not just some rain.  We had actual thunder, lightning, hail, flooding, heavy downpour and even a tornado here and there.  We even had a tornado watch going on yesterday afternoon.  I was waiting for Elmira Gulch (Margaret Hamilton) to come riding by my window on her bicycle with Toto in the basket.  Craziness!  In the afternoon, this was just a taste of what we experienced:

It was over in about an hour.  After evening fell, so did more rain.  We had this going on:

Lightning was almost hitting the hills behind our house.  Thunder rolled on and on, sounding alot like the jets we hear every so often from March Air Reserve Base located about a mile and a half south of our home.  There's supposed to be an even heavier cell headed our way later this afternoon.  Suffice it to say, Toto, we're not in Kansas anymore!

Heather Chavez, Real Estate Virtual Assistant - Second Self Virtual Assistance: When There Isn't Enough of You to Go Around!

While driving home from dropping my son off at school this morning, I saw this in the sky:

Closer view:

What the heck is it? The sun was to the left. This anomaly in the clouds started out as dark amber on the left, graduated to light gold, then was white and finally grey on the right. Of course, I just HAD to pull into the car dealership, get out and shoot a photo to share.

**These photos were taken by my very own camera and are my property. However, if you like what you see and want to use them for yourself, please let me know. I might give my permission, I might not. I gotta hear the reason first. ;-)**

Heather Chavez, Real Estate Virtual Assistant - Second Self Virtual Assistance: When There Isn't Enough of You to Go Around!

If it had a birth sign, Southern California weather would be a Gemini. Why else would you look in one direction (north) and get this:

Cloudy storm clouds over snow-capped mountains to the north of my house.

Then turn around looking south and get this:

Sunny skies over my home in the complete opposite direction from stormy skies above.

**These photos were taken by my very own camera and are my property. However, if you like what you see and want to use them for yourself, please let me know. I might give my permission, I might not. I gotta hear the reason first. ;-)**

Heather Chavez, Real Estate Virtual Assistant - Second Self Virtual Assistance: When There Isn't Enough of You to Go Around!

December 7th, 2009
6:30pm-9:30pm
Moreno Valley Senior Center
25075 Fir Avenue
Moreno Valley, CA

December 9th, 2009
5:30pm-8:30pm
Temecula Public Library
30600 Pauba Road
Temecula, CA 92592

Free Seminar for Homeowners - Presented by HELP "Homeowner Education Learning Program" a non-profit agency, this seminar will educate troubled homeowners about the options available to them. Knowledge is power.

HELP USA Also provides professionals within real estate and related fields an excellent 2 day class that will certify them as "HELP Certified Professionals" I recommend going to the homeowners free seminar first. There you will get fired up to become an educated, top notch professional. Please click on my link to HELP on the right side of this page.

FREE HOMEOWNER SEMINAR SCHEDULE

90 Minute Seminar Agenda

Topic: Can, or Should I keep My Home?
Introduction:

-Panel Members, present and not. Web Site resources and introduction to blog.
-What happened? In brief, how did we get here?
-Prediction of the market in general.
-Time frames for foreclosure process / Why the banks don't foreclose? / Should I stay if I'm not making my payments?
-Try To Modify, If To No Avail, Short Sale! Never Walk Away.
-Credit damage and when will I be able to buy again? Take action early!
-Modify? Short Sale? Foreclose? Understanding why each situation is unique. One size does not fit all.
-Why is it better to cooperate with a Short Sale than to just let the bank foreclose?

Statistical Data:

-Power Point presentation providing current data to help clarify what is happening in the region by the numbers.

Modifications:

-What's legal and what's not.
-Who's legally set up with The Department of Real Estate.
-What you must know to avoid being a victim.
-Why are we hearing stories of great success when I've been waiting for months?
-What is the Banks motivation?

Taxes:

-What is Prop-8?
-I paid 300k but I'm paying taxes based on 450k, why?
-What if I can't pay my property taxes?
-What are the potential tax consequences under a short sale, foreclosure, forbearance, modification, etc.
-What is the difference between what the Franchise Tax Board is doing and the IRS?
-What exactly is debt relief? Does the lender have to give me a 1099 for said relief?
-Can I file bankruptcy against these future taxes?

Q&A:

*Please note-All information is deemed reliable and was researched prior to this presentation. The presenters are expressing their opinions only and are not offering any legal advice. The County of Riverside is not endorsing any company or individual. All attendees are encouraged to seek individual advice structured around their own unique circumstances.

For some reason, when I was pumping gas the other day (appropriate, no?), the song "Beans, Beans the Magical Fruit" came to mind. Can you see why that might be?

Apparently, "So nice, you'll taste it twice" is considered a great advertising campaign. Of course, if you're buying your lunch at the gas station's convenience store, I guess you're not a real "stickler" for quality.

Heather Chavez, Real Estate Virtual Assistant - Second Self Virtual Assistance: When There Isn't Enough of You to Go Around!