The "IN" look of today's INterior Designers
Kari Arendsen, Founder and Principal of Intimate Living Interiors, is a world class Interior Designer located in the famous "Cedros Design Quarter" of Solana Beach, Calif. She earned her bachalors degree in Interior Design at the world renowned Design Institute of San Diego. She also studied Curtural Communications and Architecture at the University of Sorbonne in Paris, France.
Kari has been honored for her designs, appearing in many print and online media such as Ranch and Coast, San Diego’s Luxury Lifestyle Magazine, San Diego Home and Garden, Premier Magazine and The La Jolla Light.
Since 2005, Kari, as built a very prestegious clientele from La Jolla, Del Mar, Rancho Santa Fe, Fairbanks Ranch, Olivehein, Encinitas, Solona Beach, San Francisco, Scotsdale, AZ, New York and abroad.
She has established a well earned niche working with professional athletes from several NFL and NBL teams throughout the USA as well as several professional athlete agents, and financial managers.
Make it a great day! "
Kari Arendsen
"TAG" Real Estate Sales & Investments is honored to welcome Kari aboard our family owned and operated TAG Team,"The Arendsen Group", and proud to introduce her to all of our friends at Trulia. Please take a few moments to peruse her very creative and informative website.
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Audit of the Federal Reserve Reveals $16 Trillion in Secret Bailouts I must pose this question. Why if in fact, "The Federal Reserve likes to refer to these secret bailouts as an all-inclusive loan program, but virtually none of the money has been returned and it was loaned out at 0% interest.", are homeowners who were given loans by these same banks responsible for paying back their mortgages? What am I missing here? Will someone please enlighten me? This is a repost but one that I think should be shared with anyone who is currently paying a mortgage to any of these banks.
The first ever GAO(Government Accountability Office) audit of the Federal Reserve was carried out in the past few months due to the Ron Paul, Alan Grayson Amendment to the Dodd-Frank bill, which passed last year. Jim DeMint, a Republican Senator, and Bernie Sanders, an independent Senator, led the charge for a Federal Reserve audit in the Senate, but watered down the original language of the house bill(HR1207), so that a complete audit would not be carried out. Ben Bernanke(pictured to the right), Alan Greenspan, and various other bankers vehemently opposed the audit and lied to Congress about the effects an audit would have on markets. Nevertheless, the results of the first audit in the Federal Reserve’s nearly 100 year history were posted on Senator Sander’s webpage earlier this morning. What was revealed in the audit was startling: $16,000,000,000,000.00 had been secretly given out to US banks and corporations and foreign banks everywhere from France to Scotland. From the period between December 2007 and June 2010, the Federal Reserve had secretly bailed out many of the world’s banks, corporations, and governments. The Federal Reserve likes to refer to these secret bailouts as an all-inclusive loan program, but virtually none of the money has been returned and it was loaned out at 0% interest. Why the Federal Reserve had never been public about this or even informed the United States Congress about the $16 trillion dollar bailout is obvious - the American public would have been outraged to find out that the Federal Reserve bailed out foreign banks while Americans were struggling to find jobs. To place $16 trillion into perspective, remember that GDP of the United States is only $14.12 trillion. The entire national debt of the United States government spanning its 200+ year history is "only" $14.5 trillion. The budget that is being debated so heavily in Congress and the Senate is "only" $3.5 trillion. Take all of the outrage and debate over the $1.5 trillion deficit into consideration, and swallow this Red pill: There was no debate about whether $16,000,000,000,000 would be given to failing banks and failing corporations around the world. In late 2008, the TARP Bailout bill was passed and loans of $800 billion were given to failing banks and companies. That was a blatant lie considering the fact that Goldman Sachs alone received 814 billion dollars. As is turns out, the Federal Reserve donated $2.5 trillion to Citigroup, while Morgan Stanley received $2.04 trillion. The Royal Bank of Scotland and Deutsche Bank, a German bank, split about a trillion and numerous other banks received hefty chunks of the $16 trillion.
When you have conservative Republican stalwarts like Jim DeMint(R-SC) and Ron Paul(R-TX) as well as self identified Democratic socialists like Bernie Sanders all fighting against the Federal Reserve, you know that it is no longer an issue of Right versus Left. When you have every single member of the Republican Party in Congress and progressive Congressmen like Dennis Kucinich sponsoring a bill to audit the Federal Reserve, you realize that the Federal Reserve is an entity onto itself, which has no oversight and no accountability. Americans should be swelled with anger and outrage at the abysmal state of affairs when an unelected group of bankers can create money out of thin air and give it out to megabanks and supercorporations like Halloween candy. If the Federal Reserve and the bankers who control it believe that they can continue to devalue the savings of Americans and continue to destroy the US economy, they will have to face the realization that their trillion dollar printing presses will eventually plunder the world economy. The list of institutions that received the most money from the Federal Reserve can be found on page 131 of the GAO Audit and are as follows..
View the 266-page GAO audit of the Federal Reserve(July 21st, 2011): http://www.scribd.com/doc/60553686/GAO-Fed-Investigation Source: http://www.gao.gov/products/GAO-11-696 |
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Cherish Those Precious Moments. Life Is Not Always About Work.
During today's temultous and challenging times we often overlook the real reasons why we all work so hard to provide the comfort and joy for the ones we love.
Take the time to spend time with those who you love and cherish. Don't get so absorbed with your work that you let the years pass you buy only to wake up one day and realize that you never really got to know those things most endearing.
Having 5 children and 12 grandchildren can be an awesome and most rewarding challenge when it comes time to spending QUALITY time with each and every one of them. With a family as large as ours we cannot always engineer get together's where we have the opportunity to bring the whole family together all at once. But we try.
In the photo above are three of our 7 granddaughters enjoying a surrey ride on the beach in Coronado where we are staying this weekend to help our youngest daughter while she and her husband attend a conference and retreat here at the Lowes Coronado Bay Resort in "America's Finest City", San Diego.
Unfortunately they were not able to attend this years family reunion in Cabo (photo below) which as been an annual tradition in our family for the past 25 years. So Poppy & Tana figured out a way we could spend quality time with them anyway. Hanging with the kiddies is what it's all about at the end of each and every day.
No matter how you do it...............Just do it! At 66 years old and not getting a day younger I can safely say that had I not taken the time to get to know my precious family they would have grown and gone and never had the opportunity to get to know Poppy. Kids forget very quickly. It's up to us to make sure they don't. Make sure you reach out and touch those who mean the most this Christmas and Holiday Season.
Just About To Break The Sound Barrier. Or.......A Right of Passage?
Got A “TUDE”?................. To The Bottom of The PILE Your FILE!
Ever wondered why you May Have had A problem trying to push A deal through? Could it possibly be you?
Believe me I know first hand how keeping a cool head can get you what you want. As a general contractor and developer I've had to deal with counter clerks, inspectors and myriad bureaucrats for decades. These minimum wagers don't have a clue nor do they care. So if you show up with a "TUDE" to the bottom of the PILE your. FILE!
Now as a Real Estate Broker I’m finding that the big "FAT CAT BANKERS” are no different in that they too use low wager clerks whose only goal from the time they clock in at 8am is to clock out at 5pm. They have absolutely no business acumen or common sense in many cases. So if you show up with a "TUDE"..............to the bottom of the PILE your FILE!
If you want your deal to go as smoothly as is possible with the “FAT CAT BANKERS” you need to play by their rules and it’s still very challenging to say the least. You need to paint on that smile and hope they don’t see the tension in your cheeks as you grit your teeth.
It’s their ballgame all the way across the goal line and it’s play by their rules. Losing your cool during any part of a transaction will only put your FILE on the bottom of the PILE. Sure you can go around or over someone’s head and it will often work. But it can backfire on you as well.
If you push too hard or try to go around or over too many heads you will end up like the “Little Boy Who Cried Wolf” and soon lose your credibility, end up rubbing someone the wrong way and to the bottom of the PILE your FILE!
Bottom line? It’s best to keep a cool “TUDE” at all times. Don’t get a chip on your shoulder, paint a smile on your face and grin and bear it remembering that the low wagers working for these “FAT CAT BANKERS”, don’t really like you and there’s nothing you can do about but keep your “TUDE”
I’ve found that working with a good “MORTGAGE BROKER” is by far the most effective and efficient utilization of my clients and my time and at the end of the day there’s very little if any difference in the overall loan costs. We don’t need to deal with these “FAT CAT BANKERS” and until they get their acts together..............to the bottom of the PILE their FILE!
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California Real Estate Broker, General & Mfg. Home Contractor & Dealer, Developer, Investor. Distressed Property Spec in all facets of the Mfg Housing Industry. Foreclosure, Short sales, probate, etc.
Welcome to TAG Real Estate Sales & Investments
TAG (The Arendsen Group) Real Estate Sales & Investments is a full service real estate brokerage specializing in distressed property acquisitions. We offer a one stop, turnkey solution for any real estate transaction. We provide rehab, remodel, rebuild or new build services on residential and commercial properties throughout the San Diego area.
Our services include but are not limited to all phases of construction including architectural and landscape design, enginnering and interior design. Whether you wish to fix and flip or buy and hold to lease/rent. We will assist you in building your real estate portfolio and will manage your investments as well. We welcome and encourage you to to call us at 800 909-1110 or feel free to log onto our website anytime at www.sandiegorealestatetoday.com,
OnTheLevel General Contractors Inc is a one stop shop for lenders, Real Esate Professionals and homeowners that are involved in a manufactured home loan or real estate transaction. Whether you need an engineer's certification on a foundation or a foundation repair, we have a national network of service providers and licensed contractors to provide turn-key solutions.
For the loan officer, processor or underwriter On The Level can provide support with your manufactured home transactions by facilitating the engineer's certifications of the foundation. The engineer's certification specifies that the foundation complies with the HUD Permanent Foundation Guide for Manufactured Homes (PFGMH - HUD 7584), a requirement for all FHA-insured loans which include Home Equity Conversion Loans (Reverse Mortgage) Loans. If the foundation does not comply for any reason, we can also expedite the requisite repair to meet the engineer's repair or retrofit specifications. Generally all costs associated with certifications or repairs can be paid out of loan closing.
For the homeowner interested in selling his/her home or the borrower looking for a loan, the engineer's certification is frequently the final sales or loan condition. If the foundation needs additional structural supports in order to meet enhanced wind, seismic, roof or snow load requirements, we can work with your realtor or lender to make sure that all requirements are met for a seamless transaction and the invoices are presented in the closing.
We also an experienced consultant, expert witnesse and troubleshooter in all facets of the manufactured home industry. We are accredited by the Better Business Bureau as well as members of a number of manufactured home professional organizations.
For an Engineer's Certification Inspection, click here or call 800-900-1110.
For Foundation Retrofits or Repairs, click here or call 800-900-1110.
If you have any title issues on your manufactured home please visit our website
Click here for Manufactured Home Lenders and Realtors
A manufactured home must be a HUD certified home, which means it must have been manufactured after June 15, 1976. If there are metal plates at the rear of the home that begin with a three Alpha letters like CAL, ARZ, ORE, that's usually a good sign. If the HUD label is missing, usually a label verification letter from the Institute for Building Technology and Safety (IBTS) which will give the provenance of the home will suffice. 2. The Manufactured homes and FHA Insured Loans is classified and taxed as real estate. A long term lease may also be acceptable in certain instances. 3. The axles and tongues must be removed. 4. The manufactured home must have an adequate perimeter enclosure with appropriate ventilation. 5. Must have a floor area of not less than 400 square feet 6. Built and remains on a permanent chassis 7. The finished grade elevation beneath the manufactured home shall be at or above the 100 year return frequency flood elevation. 8. The home must sit on a permanent foundation.
AND All foundation systems, new and existing, must meet the guidelines published in the HUD Permanent Foundations Guide for Manufactured Housing, (HUD-7584), dated September 1996. A certification attesting to compliance with this handbook must be obtained from a licensed professional engineer and included in the insuring file.
This last requirement can throw the loan processor into a quandary if they have never expedited a manufactured home transaction previously because this request will often show up at the 11th hour of loan closing. Nine times out of ten the appraisal report will show that the home is on a foundation system so the processor or loan officer won't have alarm bells off of worry going off when they receive this condition. Unfortunately, the appraiser often simply determines "permanence" strictly on the basis that the tires and axles have been removed or some other vague set of standards, not on the basis of the foundation attachment.
The reason for this requirement is to establish a national standard of consistency amidst inconsistent state installation standards. While manufactured homes have standardized preemptive structural, plumbing, and electrical standards that need to be met before leaving the factory, installation standards vary from county to county, state to state. Additionally, manufactured homes are unique in that they can either be titled either as personal property (chattel) or real property. In some states the distinction between personal and real property is determined by the type of foundation and underpinnings that support the home. Since the individual jurisdictional requirements vary significantly, the Engineer Certification Letter helps to provide a standard for excellence. This is generally an underwriting requirement for all FHA insured loans, which also include Reverse Mortgages.
If an existing home is already on a foundation, an engineer can provide a certification attesting to the fact that the home meets the guidelines. If it does not meet the HUD guidelines, there are a variety of proprietary or approved engineered foundation Retrofitting systems in combination with the existing structural components. As in any industry, one size does not fit all in the engineering landscape and engineers that specialize in the manufactured home industry and the HUD inspection specifications are even rarer still. Because there are a vast array of proprietary products that have been introduced into the national marketplace, knowledge about these systems is also an additional benefit since these have all been pre-engineered and stamped delineating all of the system specifications. This also means if the foundation does not meet the FHA-insured criteria for a permanent foundation, the engineer does not need to re-invent the wheel with a repair recommendation---there are a plethora of products available for the retrofit contractor. Therefore finding the right combination of an engineer and contracting team that understands the FHA lending process so the engineering certification does not impair the loan lock timeline, is familiar with the availability of proprietary systems that can resolve the repair issues if they are necessary and are able to liaison with both lender and borrower to provide turn-key solutions.
On The Level http://www.onthelevelcontractors.com and Pacific Consulting Engineers collectively team to comprehensively resolve FHA-insured loan certification and foundation repair issues for the manufactured home borrower and lender.
TESTIMONIALS
REFERRAL LETTERS
Click on these links to download letters of referral from companies that have worked with On The Level (letters are in PDF format).
CLIENT COMMENTS
"Our manufactured home owners benefit from the ease of handling their sometime complex needs and with you working in their best interests in a smooth and professional manner, with honesty and integrity at the forefront."
James Marietti, Multi-State Home Lending
Janis,
"Thank-You for all your help. You made it all possible. I will definitely refer you. Please send me some business cards. Your company is awesome. "
Marsha Dixon
Homeowner, Page AZ
"You are by far the best at this cert business that there is out there!!!"
Eliut Gonzalez
Pacific Coast Mortgage
"As a Realtor, I have used the services of On The Level several times to level manufactured homes for my buyer's and my seller's. In my opinion, On The Level's services are far and above those of other leveling companies. They are very professional, timely and stand behind their services. If one ever needs a leveling company, I would highly recommend Janis and her company."
Barbara Whisenant
You guys are awesome! Thank you very much! I don't know who else anyone has been using here for this service but I will recommend you to everyone!
Again, THANK YOU, THANK YOU, THANK YOU!!!!!
--Wil Fortenberry, Paramount Equity
--Financial Specialist
Janis,
Thank you so much. I have to tell you, you are awesome to work with. I thought this deal was dead and I know that a lot of mortgage brokers out here feel like they don?t know where to turn to on manu deals. I will definitely spread the word about you guys!
--Amy Brill Janis,
You and your company are truly the best in the business and I will always recommend you as the preferred contractor for all future jobs. Thanks again and have a great day.
--Darel Handley
--Handley Homes
We were so impressed with how professional and nice "On the Level" was. That's how a business should operate! They even fixed the steps that the inspector messed up! I can't tell you how happy we are that we found them to do the foundation.
--Hope Nichols, Homeowner
Janis,
Thank you so much for all our hard work! This file would not have closed if it wasn't for you. You were awesome. We need more people out there like you.
--Mickey Bowlin, West Coast Escrow Janis,
What can I say but, 'wow' thank you for getting our inspection handled. You have helped make our dream come true.
--JD and Betty Biros
--Olancha, CA "
We officially closed our loan last week. Chad and I just wanted to thank you for being so awesome to work with as we got the retro-fit issues worked out. We really appreciate it!"
Thanks again!
Sincerely,
Rana Watterson
"Thanks for having such great knowledge on this when no one else did. You were awesome!"
All the best
Jim Siebert
Vitek Mortgage Group
"Thank you. You saved this one for me!"
Michelle Camacho
Foothill Home Mortgage
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