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Richard Sellers, Realtor DRE#01148405

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Homewner Education Learning Program

10-08-09
Richard Sellers, Realtor DRE#01148405

Today, more than ever before, the general public is in need of answers they can count on. Far too many individuals are feeling lost due to the rapid changes that are taking place. Where is my bail out? Who can I trust? How does a note modification work and am I going to have tax consequences? If they foreclose, when can I buy again? These are only a few of the questions being asked today that we have qualified answers to.

Others are in the enviable position to buy in today's market but are wondering, why is it so hard to buy an R.E.O.? How exactly does a short sale work? I've heard about government programs available that help me with my down payment...do I qualify?

You must be familiar with the following acronyms if you want to be sure you are receiving the help that is being offered to you today; Fannie Mae, Freddie Mac, PERS, STRS, VA, FHA, MCC, Down Payment Assistance, CALHFA, USDA Rural, FHA203K, Reverse Mortgages etc... If you qualify for help, of any sort, we will know. Just as important, we will let you know if you do not. Before you pay money to a modification company, or others offering to help, attend one of our free classes. Learn the questions everyone should ask prior to entering into any agreement.We're here for you.

H.E.L.P., a partnership to ensure proper guidance in troubled times.

I am encouraging you to become HELP Certified. The two day course is not only highly educational, it is motivational as well. By completing this course, you are going to have a well recognized non-profit out in the public promoting you and what you represent, professionals at their best. It is in the best interest of all of our Industry to become as knowledgeable as possible. If you have any questions please don't hesitate to contact either myself or someone else in the HELP organization. http://www.freehomeownershiphelp.org/

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Lake Arrowhead Sunrise Rotary Auction

10-07-09
Richard Sellers, Realtor DRE#01148405

Their 2009 Auction will be held on November 7th at the Lake Arrowhead Country Club

It's a wonderful event with great auction items so please come help make a difference. Here are some of the great charities they support:

America's Heroes Foundation

Arrowhead Arts Assoc.

http://www.arrowheadarts.org/

AYSO - American Youth Soccer Organization

http://soccer.org/home.aspx

Boy Scouts

http://www.scouting.org/

Boys and Girls Club

http://www.bgca.org/

Camp Paivika

http://www.abilityfirst.org/programs/programs_camppaivika.asp

Choices - MPH

http://www.choices.org/

Christmas in April/Rebuilding Together

http://www.rebuildingtogether.org/

Citizens on Patrol

http://www.rebuildingtogether.org/

Dictionary Project

ww.DictionaryProject.org

Fire Explorers Program

http://www.sbcfire.org/programs/fire_explorer.asp

Foster Children's Program

http://www.nonprofitdata.com/92317/arrowhead-foster-family-agency-inc.phtml?&cmd=330950303

Friends of the Library

Girl Scouts

Hospice

International Service - MAF

Lake Arrowhead Elem. School

Lake Arrowhead Film Festival

www.lakearrowheadfilmfestival.com

Mountain Meals-on-Wheels

Mountain Fife and Drum

Mountain Literacy

Mountains Community Hospital

ttp://www.mchcares.com/

Odoworo Village, Uganda

Project IRAQ

Rebuilding Mountain Hearts and Lives

http://www.heartsandlives.org/

Rim HS ASB/Athletics/Clubs

Rim HS Awesome Learners

Rim HS Band Booster

http://www.rimband.com/

Rim HS Interact Club

Rim of the World Historical Society

http://www.rimoftheworldhistory.com/

Rim of the World Search and Rescue

http://www.sbmountainsar.org/links/

Rotary Youth Leadership Awards (RYLA)

http://www.rotary.org/en/StudentsAndYouth/YouthPrograms/RotaryYouthLeadershipAwards(RYLA)/Pages/ridefault.aspx

San Bernardino Sheriffs Department

http://www.co.san-bernardino.ca.us/sheriff/

Scholarships-Rim HS

Scholarships-Mountain HS

Scholarships-Music Camp

STARS - Disaster Relief Projects

Touch of Home for the Military

http://www.touchofhomeformilitary.com/

List of Donations to be auctioned:

Check out thier web page for full details@ http://mountainsunriserotaryauction.org

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3rd Annual Arrowhead Pine Cone Festival

10-07-09
Richard Sellers, Realtor DRE#01148405

Free Admission!
Saturday, October 10th 2009
10:00am - 4:30pm
in Twin Peaks
at
Mountain Community Senior Center & Rotary Centennial Park


Free Entertainment! Food! Fun! Contest! Games!

The San Bernardino mountain range is a unique mountain range in that it runs east to west and is located in a Mediterranean climate. Because the mountain range runs east to west, sunshine gives rise to a variety of plants . We have eight different native Pine trees in our area. Also there are a variety of cedar and firs and junipers that have cones and are conifers but are not a true pine cone.
Lake Arrowhead
is home to 2 of the biggest pine cones in the world!
THE COULTER PINE
is the heaviest pine cone in the world!!! They can weigh up to 10 pounds or more (where is the biggest one)? These cones can be deadly if they fall on your head. Old time loggers called them "widow makers" because they killed loggers when cones fell. The Indians also ate the pine nuts.
THE SUGAR PINE
is the longest pine cone in the world!!! Up to 24" or maybe more (where is the longest?) They got their name from their sweet sap. The Indians used the sap like glue as well as chewed it like gum. The nuts are also edible. The tree is the tallest of all pines in the world. The sugar pine can be up to 280 feet!!
KNOBCONE PINE
is known as the hardest pine cone in the world. Knob cone is a closed cone that relies on the heat of a wildfire to open them up so the seeds drop. This cone can become embedded in the branches.

PINYON PINE
was prized by local Indians who not only enjoyed the large brown nuts but used parts of the tree for a variety of medicinal purposes. Placing cones near a fire opens the scales so nuts can be easily removed. This is the only one needle pine in the world. Most pines have 3-5 needle sheaths.
LODEPOLE PINE
has a small cone about 2 inches long. Used a lot in decorations, they are fairly open and easy to work with. The tree gets its name from its trunks that are so straight they made great poles for the Indians' teepees. The tallest Lodge pole Pine in the world is located in the San Bernardino Mountains.
JEFFREY PINE
also known as "gentle Jeffrey", the prickles on the end of its scales are turned inward so it does't hurt when you handle it. The Jeffrey and the Ponderosa look alike but feel different. The Jeffrey isn't't prickly like the Ponderosa. Cones are typical in form and are 4-6 inches in length.You can also identify this tree by its bark that smells like vanilla.
PONDEROSA PINE
looks a lot like the Jeffrey, but its scales stick out and make this pine cone "prickly." Its nickname is "Prickly Ponderosa." It is typically smaller than the Jeffrey Pine. The Ponderosa is the most widely distributed pine tree in North America. Frequently when Ponderosa and Jeffrey pines inhabit the same location, they will cross breed.
LIMBER PINE
cones are thick, often curved and are between 3-8 inches in length. The tree is sturdy and stout and grows at the higher elevations. Its small branches are so flexible they can be tied in knots.

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Lake Arrowhead Country Club Goes Green By Building a Lake to Hold Re-Claimed Water

10-06-09
Richard Sellers, Realtor DRE#01148405

LACC Builds a lake for re-claimed water to supply all it's irrigation needs and conserve fresh water for the surrounding communities. Not only are they hepling the enviroment but beautifing their course in the process, it's proactive actions like this that need to happen across the country in water rationed areas to ease the burdon on our resources. Congratulations to the LACC Board and members who support this excellent project.

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Real Estate Rate and Market indicators.

10-06-09
Richard Sellers, Realtor DRE#01148405

Market Outlook

Tuesday, October 06, 2009

Price Trend: Negative

Price Volatility: High

_________________________________________________________________

Current Conditions:

FNMA 4.5 101-20 (-2)

GNMA 4.5 101-26 (-3)

10yr Yield 3.257

Today's Economic Data

(PST)

None

_________________________________________________________________

Commentary:

The calendar is void of economic data today. This has been reflected in bond trading this morning as prices

have drifted mostly lower as stocks have improved. There is a 3yr auction today which will likely put some

pressure on bonds through noon or so.

This Week's Economic Calendar (All times Central)

Date/Time

(Central) Indicator Period Est. Actual Prior

10/5 9:00

ISM Non-Manf.

Composite

SEP 50.0 50.9 48.4

10/7 6:00

MBA Mortgage

Applications

2-Oct - - -- -2.8%

10/7

14:00

Consumer Credit

AUG -$10.0B --

-

$21.6B

10/8 7:30 Initial Jobless Claims 3-Oct 540K -- 551K

10/8 7:30 Continuing Claims

26-

Sep

6133K -- 6090K

10/8 9:00 Wholesale Inventories AUG -1.0% -- -1.4%

10/9 7:30 Trade Balance AUG -$33.0B --

-

$32.0B

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