Divorce Real Estate - Critical Issues Divorcing Property Owners Need to Know.
How to Avoid Costly Property Settlement Mistakes That Are Preventable DURING Divorce, but NOT AFTER.
The family home is usually the most valuable asset in a divorce. Many difficult questions will arise during the divorce process: Who gets to keep the house? Which spouse can afford to keep it? What if the property needs to be sold? How much is it worth? Does the home's condition affect its market value? Does signing off on the title keep you from being responsible for the mortgage?
During divorce is the best time to prevent real estate-triggered: damaged credit, foreclosure or even bankruptcy from joint mortgage debt or undiscovered liens from joint title that cannot be fixed AFTER divorce.
This workshop will address specific, often-overlooked aspects of real property resolution during divorce. We will provide you with a concrete plan of action to help you avoid making costly mistakes that can ruin your financial future.
Spend 90 minutes actually working on your plan of action in this interactive workshop and getting your private questions answered in a small group environment. You will walk away with an action plan to lead you toward a better post-divorce life. Bring a pen and paper.
COST: $35
WHO SHOULD JOIN? Any person at any stage in the divorce process - pre/mid/post.
NEXT MEETING: Tuesday, April 13, 2009, 6 p.m. to 7:30 p.m.
LOCATION: The Divorce Help Clinic, 11622 El Camino Real, Suite 100, San Diego (Carmel Valley), CA 92130.
CONTACT: Michele Ashbarry or Debi Purcell (760) 440-9812 or Email divorcerealestate@cox.net
WHY IS CLASS ONLY 90 MINUTES? Anything longer makes people feel overwhelmed with too much information. That leads to feeling of immobility and nobody needs that. If after taking the class you want more information, we're here to meet with you individually to personally tailor your plan of action to suit your situation and needs.
MORE INFORMATION:
Go to our MeetUp Group:
http://www.meetup.com/Divorce-Property-Settlement-Workshop/
COMMON CONCERNS:
RAMONA MUSIC FEST RETURNS!
As a member of the Kiwanis Club of Ramona, I cordially invite you to join me for a lively afternoon of sun, fun, and music on Saturday, March 20, 2010, 2-6 PM, when the Ramona Music Fest is held at the bandstand in Dos Picos Park, off Highway 67 in Ramona!
Music, music, music! From barbershop to Americana to country to rock and roll, with musicians strolling through the park and onstage, including Cactus Twang and Whyte, featuring Cactus Jim Soldi, former guitarist extraordinary for Johnny Cash. Plus beer and wine garden, art show, Ramona showcase, tri-tip barbecue, kids' play area, family games, live and silent auctions....and more!
This event is being presented by the Ramona Rotary and Kiwanis clubs as a fundraiser for scholarships and Ramona community projects.
Win a Panasonic 50-inch plasma HD-TV! Only 300 tickets will be sold in our reverse raffle, and the last ticket drawn at the event wins this TV! Raffle tickets are $25 each and can be purchased from me. Only 300 tickets are available! Panasonic says its 50-inch Class Viera X1 series is ideal for sports, movies and gaming, with crisp, focused images during fast-moving scenes. And the Viera link allows interconnected operation of various AV devices, using only the Viera remote control, by simply connecting the devices to each other by an an HDMI cable.
Call me today to purchase your Music Fest and Raffle tickets!
See you there! Check out the website at: ramonamusicfest.org
San Diego Divorce Real Estate - Critical Issues Divorcing Property Owners Need to Know.
How to Avoid Costly Property Settlement Mistakes That Are Preventable DURING Divorce, but NOT AFTER.
The family home is usually the most valuable asset in a divorce. Many difficult questions will arise during the divorce process: Who gets to keep the house? Which spouse can afford to keep it? What if the property needs to be sold? How much is it worth? Does the home's condition affect its market value? Does signing off on the title keep you from being responsible for the mortgage?
During divorce is the best time to prevent real estate-triggered: damaged credit, foreclosure or even bankruptcy from joint mortgage debt or undiscovered liens from joint title that cannot be fixed AFTER divorce.
This workshop will address specific, often-overlooked aspects of real property resolution during divorce. We will provide you with a concrete plan of action to help you avoid making costly mistakes that can ruin your financial future.
Spend 90 minutes actually working on your plan of action in this interactive workshop and getting your private questions answered in a small group environment. You will walk away with an action plan to lead you toward a better post-divorce life. Bring a pen and paper.
COST: $35
WHO SHOULD JOIN? Any person at any stage in the divorce process - pre/mid/post.
NEXT MEETING: Tuesday, February 9, 2009, 6 p.m. to 7:30 p.m.
LOCATION: The Divorce Help Clinic, 11622 El Camino Real, Suite 100, San Diego (Carmel Valley), CA 92130.
CONTACT: Michele Ashbarry or Debi Purcell (760) 440-9812 or Email [masked]
WHY IS CLASS ONLY 90 MINUTES? Anything longer makes people feel overwhelmed with too much information. That leads to feeling of immobility and nobody needs that. If after taking the class you want more information, we're here to meet with you individually to personally tailor your plan of action to suit your situation and needs.
MORE INFORMATION:
Join our MeetUp Group at:
http://www.meetup.com/Divorce-Property-Settlement-Workshop/
COMMON CONCERNS:
Property settlement strategizing.
Critical issues for property owners.
Evidence of house value.
Get ready first budget.
Property owner's best interests (keeping the house versus selling).
Exterior Remodeling: Best Bang for Your Buck
Despite a slow market and a slight decrease in the resale value of most remodeling projects, REALTORS® report that the smartest home improvement investments may also be some of the least expensive. Results from the 2009 Remodeling Cost vs. Value Report show that small-scale exterior projects are the most profitable at resale, according to estimates by REALTORS® who completed a recent survey.
On a national level, eight out of the top 10 projects in terms of costs recouped were exterior replacement projects that cost less than $14,000. Certain types of door and siding replacements, as well as wood deck additions all returned more than 80 percent of project costs upon resale. A steel entry door replacement - a new addition to this year's list - recouped 128.9 percent of costs, followed by upscale fiber-cement sliding replacements at 83.6 percent. Wood deck additions recouped 80.6 percent of costs.
"Once again, this year's Remodeling Cost vs. Value Report highlights the importance of a home's first impression," said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz. "With exterior projects returning a high percent of project costs upon resale, Realtors® can help give your home curb appeal while adding value to the real estate transaction.
The 2009 Remodeling Cost vs. Value Report compares construction costs with resale values for 33 midrange and upscale remodeling projects comprising additions, remodels and replacements in 80 markets across the country. Data are grouped in nine U.S. regions, following the divisions established by the U.S. Census Bureau. This is the twelfth consecutive year that the report, which is produced by Hanley Wood, LLC, was completed in cooperation with REALTOR® Magazine, as REALTORS® provided their insight into local markets and buyer home preferences within those markets.
On a national level, the project with the biggest improvement from 2008 was the attic bedroom addition, recouping 83.1 percent of remodeling costs compared to 73.8 percent in 2008. The only other interior project that landed in the top 10 was a minor kitchen remodel with 78.3 percent costs recouped.
Other exterior projects in the top 10 include midrange vinyl and upscale foam-backed vinyl sliding replacements, which returned more than 79 percent of costs. In addition, several types of window replacements - midrange wood, midrange vinyl, and upscale vinyl - all returned more than 76 percent of costs upon sale.
Similar to last year's report, the least profitable remodeling projects in terms of resale value were home office remodels and sunroom additions, returning only 48.1 percent and 50.7 percent of project costs.
Regionally, cities in the Pacific states of Alaska, California, Hawaii, Oregon and Washington once again outperformed the rest of the nation in terms of remodeling costs recouped upon resale. The West South Central region of Arkansas, Louisiana, Oklahoma, and Texas; the East South Central region of Alabama, Kentucky, Mississippi and Tennessee; and the South Atlantic region of the District of Columbia, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia and West Virginia also performed relatively well.
The regions that generally returned the lowest percentage of costs were New England (Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island and Vermont), East North Central (Illinois, Indiana, Michigan, Ohio and Wisconsin), West North Central (Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota), and the Middle Atlantic (New York and Pennsylvania).
Golder commented that remodeling projects are just one of many factors that contribute to a home's overall resale value. "As the first, best source for real estate information, REALTORS® are experts in providing insight into what projects and investments will make a difference in your house. It's important to consult with a REALTOR® who can explain the variety of factors that affect a home's value, such as location, condition of surrounding properties and the regional economic climate," she said.
Results of the report are summarized in the January issue of REALTOR® Magazine. To read the full project descriptions, access national and regional project data, and download a free PDF containing data for any of the 80 cities covered by the report, visit www.costvsvalue.com. "Cost vs. Value" is a registered trademark of Hanley Wood, LLC.
Source: NAR
One of the reasons I love living in Ramona are all of the wonderful family-friendly community events. In December, the festivities have the special warmth that only Christmastime can bring.
December 5th: This marks the 19th Annual Christmas Tree Lighting, and will be held at the Pavilion at the Ramona Outdoor Community Center located on Aqua Lane. Santa Arrives at 5:15pm and the tree will be lit at 6pm. The Ramona Town Hall Band will play at 6:40pm with local children choirs singing carols throughout the evening. Please bring non-perishable food goods to benefit the Ramona Food and Clothes Closet. The Ramona Airport is hosting the annual Toys for Tots between 11am to 3pm at 2926 Montecito Road. If you miss that event, we will have a Toys for Tots box at the Tree Lighting. Bring those unwrapped toys to either event so the Marines can distribute them to the kids. Please don't forget about the older kids too. FREE admission.
December 19th: Hometown Christmas Concert at the Ramona Mainstage, 626 Main St, at 2pm. The Ramona Town Hall Band will be there with Holiday sounds. Again, please don't forget the non-perishable food good for the Ramona Food and Clothes Closet. FREE admission. For information visit www.ramonatownhall.com
Come visit either of these events in Ramona, and you might decide to stay! That's what my husband and I did nearly 8 years ago. Did you wind up loving Ramona as much as I do? Call me to help you find that perfect place to call home.
Wishing you and your families a wonderful holiday season and a very Merry Christmas!
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Debi is a Real Estate Collaborative Specialist - Divorce REALTOR specializing in the San Diego area including Ramona, Poway, Rancho Bernardo, Scripps Ranch, Lakeside, and Escondido.
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