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John Hayes

First Time Home Buyers.. CalPERS program highlights.

09-05-08
John Hayes

Here are some bullet points on the CalPERS program. Let me know if you need to get qualified or need to see some properties.

  • Exclusively for active or inactive members of the CalPERS retirement system, Judges' Retirement System (JRS) or Legislators' Retirement System (LRS)
  • 30, 60, and 90 day lock options
  • 60 and 90 day locks feature two NO COST float down opportunities
  • Down Payment and Closing Cost Assistance possible
  • Available for Purchase, Rate and Term and Cash-Out Refinances
  • Controlled Closing Costs
  • Maximum Origination 1.25 points
  • Maximum Lender Fee $350
  • Conforming Fixed and FHA available
  • Non-Conforming Fixed available to 4 times Conforming limit (currently $1,668,000)
  • Qualify at standard DU (for conventional loan) or FHA guidelines
  • Can take personal agains PERS retirement up to $18,421 (or 5% of sales price, whichever is less)
  • Maximum loan amount with personal loan is $350,000
  • Personal loan for down payment only

Now is the time to buy.. www.realestatemartini.com

John Hayes

RE/MAX Gold Folsom

530-306-3316

Blushing Scot Martini Recipe


Colored with a dash of Red Grenadine

2 oz. of Scotch
1 oz. of Godiva white chocolate Liqueur
½ oz. light cream
¼ teaspoon grenadine

Combine all these I in a mixing glass, add ice, shake I, and strain into a Swank Martini Glass.

Weekender for Aug 5th,2008 Have A Great Weekend!

09-05-08
John Hayes
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Have A Great Weekend..Feel free to call if you have any real-estate questions and or would like to see properties. Sellers if you need to get a C.M.A or just need to get you home on the market feel free to call. www.johnhayesrealestate.comJohn HayesRE/MAX Gold Folsom530-306-3316

Blue-on-Blue Martini Recipe

6 parts vodka1 part blue curacao1 dash Angostura bittersCocktail olive

Combine liquid ingredients in a cocktail shaker with cracked ice and shake well. Strain into a chilled cocktail glass and garnish with olive.

Local School Information For Sacramento Area

09-04-08
John Hayes

Now that kids are back in school..you can search for your dream home and research your children's future for education..

Here is some limks and phone #s for local schools.

Arco he Union K-8 www.archoheusd.k.12.ca.us

Center Unified www.centerusd.k12.ca.us

Del Paso Heights K-6 www.dphsd.org

Elk Grove Unified K-12 www.egusd.k12.ca.us

Elverta Joint K-8 www.elverta.k12.ca.us

Folsom Cordova Unified K-12 www.fcusd.k12.ca.us

Galt Joint Union K-8 www.galt.k12.ca.us

Galt Joint Union High 9-12 www.ghsd.k12.ca.us

Grant Joint Union High 7-12 www.grant.k12.ca.us

Natomas Unified K-12 www.natomas.k12.ca.us

North Sacramento K-6 www.nssd.k12.ca.us

Rio Linda Union K-6 www.rlusd.com

River Delta Unified K-12 www.riverdelta.k12.ca.us

Robla K-6 www.robla.k12.ca.us

Sacramento City Unified K-12 www.scusd.edu

San Juan Unified K-12 www.sanjuan.edu

*Sacramento County of Education www.scoe.net

Roseville Schools www.roseville.ca.us/

High Schools www.rjuhsd.k12.ca.us

Placer Union HSD www.puhsd.k12.ca.us

Placer County Office

Of Education

www.placercoe.k12.ca.us

Placer County:

El Dorado Union www.ig2.eduhsd.k12.ca.us

Mother Lode www.mlusd.k12.ca.us

For Complete District

Sites

www.edcoe.k12.ca.us

Placerville Union www.pusd.k12.ca.us

Latrobe www.latrobeschool.com

Buckeye Union www.buckeye.k12.ca.us

El Dorado County:

Area Colleges:

Sacramento County:

Los Rios CC www.losrios.edu

Sacramento City www.scc.losrios.edu

American River www.arc.losrios.edu

Consumnes www.crc.losrios.

Sierra College www.sierra.cc.ca.us

CSU Sacramento www.csus.ed

Homepage www.ed-data.k12.ca.us

State Profile Reports www.ed-data.k12.ca.us/state

Country Profile Reports www.ed-data.k12.ca.us/county

District Profile Reports www.ed-data.k12.ca.us/district

Schools Profile Reports www.ed-data.k12.ca.us/school

Elections Bond Issue Reports

www.ed-data.k12.ca.us/election

Financial Reports www.ed-data.k12.ca.us/fiscal

API Reports www.ed-data.k12.ca.us/API

Students Trends Reports www.ed-data.k12.ca.us/StudentTrends

School Trends Reports www.ed-data.k12.ca.us/SchoolTrends

Education Issues (Article) www.ed-data.k12.ca.us/ed_issues

California Schools (Article) www.ed-data.k12.ca.us/CalSchools

Almond Orchard:

11723 Fair Oaks Blvd., Fair Oaks, Ca 95628 (916) 863-3605

Arden:

1610 Arden Way #101, Sacramento, Ca 95815 (916) 563-0390

Birdcage:

2377 Gold Meadow Way #110, Gold River, Ca 95670 (916) 631-

1935

El Dorado Hills:

3905 Park Drive #200, El Dorado Ca 95762 (916) 939-7484

Elk Grove:

9280 W. Stockton Blvd. #110, Elk Grove, Ca 95758 (916) 683-1800

Fair Oaks Pointe:

8525 Madison Avenue #142, Fair Oaks, Ca 95628 (916) 537-2600

Folsom:

1180 Iron Point Road #130, Folsom, Ca 95630 (916) 985-3456

Greenhaven:

7410 Greenhaven Drive #140, Sacramento, Ca 95831 (916) 399-

4949

Laguna

9250 Laguna Springs Drive #109, Elk Grove, Ca 95758 (916) 691-

3033

Rocklin:

1430 Blue Oaks Blvd., #150, Rocklin, Ca 95765 (916) 781-5445

Roseville:

2241 Douglas Blvd #100, Roseville, Ca 95661 (916) 781-7770

Roseville Parkway:

2999 Douglas Blvd. #315, Roseville, Ca 95661 (916) 787-5232

Parkcenter:

5 Park Center Dr #100, Sacramento Ca 95825 (916) 922-8000

Sunrise:

11707 Fair Oaks Blvd #100, Fair Oaks Ca 95628 (916) 966-7600

Photobucket

www.realestatemartini.com

John Hayes

RE/MAX Gold

530-306-3316

www.johnhayesrealestate.com

images.jpg low-tide.jpg

Low Tide Martini Recipe

6 parts vodka
1 part dry vermouth
Lime twist
1 teaspoon clam juice
Olive stuffed with smoked clam

Sacramento Home Buyers You Need To Get A Home Inspection..

08-31-08
John Hayes

What is a home inspection?
A home inspection is a visual inspection of the structure and components of a home to find items that are not performing correctly or items that are unsafe. If a problem or a symptom of a problem is found the home inspector will include a description of the problem in a written report and may recommend further evaluation.

Why is a home inspection important?
Home Buyers: Emotion often affects the buyer and makes it hard to imagine any problems with their new home. A buyer needs a home inspection to find out all the problems possible with the home before moving in.More...

Home Sellers: More and more sellers are choosing to have a thorough inspection before or when they first list their home. First and foremost, you should have a home inspection for full disclosure. You will have demonstrated that you did all you could do to reveal any defects within the home. Second, you will save money and hassle by knowing now what your defects are, not after you have already negotiated a price and are faced with costly repairs discovered on the buyers inspection. Defects found before the buyer comes along allow you to shop around for a contractor and not deal with inflated estimates that a buyer will present.

What if the report reveals problems?
All homes (even new construction) have problems. Every problem has a solution. Solutions vary from a simple fix of the component to adjusting the purchase price. Having a home inspection allows the problem to be addressed before the sale closes.

What does a home inspection include?
A home inspector's report will review the condition of the home's heating system, central air conditioning system (temperature permitting), interior plumbing and electrical systems; the roof, attic, and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement, and visible structure. Many inspectors will also offer additional services not included in a typical home inspection, such as mold, radon and water testing.

What should I NOT expect from a home inspection?

A home inspection is not protection against future failures. Stuff happens! Components like air conditioners and Heat Systems can and will break down. A home inspection tells you the condition of the component at the time the component was inspected. For protection from future failure you may want to consider a home warranty.
A home inspection is not an appraisal that determines the value of a home. Nor will a home inspector tell you if you should buy this home or what to pay for this home.
A home inspection is not a code inspection, which verifies local building code compliance. A home inspector will not pass or fail a house. Homes built before code revisions are not obligated to comply with the code for homes built today. Home inspectors will report findings when it comes to safety concerns that may be in the current code such as ungrounded outlets above sinks. A home inspector thinks "Safety" not "Code" when performing a home inspection.


Should I attend the home inspection?
It is often helpful to be there so the home inspector can explain in person and answer any questions you may have. This is an excellent way to learn about your new home even if no problems are found. But be sure to give the home inspector time and space to concentrate and focus so he can do the best job possible for you.

Bank Owned Properties: You need to have a home inspection when you buy a R.E.O (bank Owned). Some times the home could be vacant for six months to a year. You do not know how well they took care of the property..most of the time they didnt so do yourself a favor GET A HOME INSPECTION!

Who pays for the Home Inspection?

Buyer normally pays for the home inspection. $300 well spent.

As Buyers Agent. I will credit you your home inspection when transaction is done.

http://preparehome.com/

Visit My Web Site:

John Hayes

RE/MAX Gold Folsom

530-306-3316

My Blog:

www.realestatemartini.com

Lemon Twist Martini Recipe

6 parts lemon-flavored rum
1 part dry vermouth
Lemon twist

Combine liquid ingredients in a cocktail shaker with cracked ice and shake well. Strain into a chilled cocktail glass and garnish with lemon twist.

40 Tips For Better Liife..As Agents We need This In This Market..

08-27-08
John Hayes

40 Tips for a Better Life

1. Take a 10-30 minute walk every day. And while you walk, smile. It is the ultimate anti-depressant.

2. Sit in silence for at least 10 minutes each day. Buy a lock if you have to!

3. Buy a DVR and tape your late night shows and get more sleep.

4. When you wake up in the morning, complete the following statement, 'My purpose is to ... today.'

5. Live with the 3 E's -- Energy, Enthusiasm, and Empathy.

6 Spend time with the one you are in love with while you can.More...

7. Make time to practice prayer. It provides us with daily fuel for our busy lives.

8. Spend time with people over the age of 70 and under the age of 6 .

9. Dream more while you are awake.

10. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.

11. Drink green tea and plenty of water. Eat blueberries, wild Alaskan salmon, broccoli, almonds & walnuts.

12. Try to make at least three people smile each day.

13. Clear clutter from your house, your car, your desk and let new and flowing energy into your life.

14. Don't waste your precious energy on gossip, energy vampires, issues of
the past, negative thoughts or things you cannot control. Instead invest
your energy in the positive present moment.

15. Realize that life is a school and you are here to learn Problems are
simply part of the curriculum that appear and fade away like algebra class
but the lessons you learn will last a lifetime.

16. Eat breakfast like a king, lunch like a prince and dinner like a college kid with a maxed out charge card.

17. Smile and laugh more. It will keep the energy vampires away.

18. Life isn't fair, but it's still good.

19. Life is too short to waste time hating anyone.

20. Don't take yourself so seriously. No one else does.

21. You don't have to win every argument. Agree to disagree.

22. Make peace with your past so it won't spoil the present.

23. Don't compare your life to others'. You have no idea what their journey
is all about.

24. No one is in charge of your happiness except you.

25. Frame every so-called disaster with these words: 'In five years, will this matter?'

26. Forgive everyone for everything.

27. What other people think of you is none of your business.

28. GOD heals everything.

29. However good or bad a situation is, it will change.

30. Your job won't take care of you when you are sick. Your friends will.
Stay in touch.

31. Get rid of anything that isn't useful, beautiful or joyful.

32. Envy is a waste of time. You already have all you need.

33. The best is yet to come.

34. No matter how you feel, get up, dress up and show up.

35. Play more games and read more books than you did in 2007

36. Call your family often. (Or email them to death!!!) Hey, I'm thinking of ya!

37. Each night before you go to bed complete the following statements:
I am thankful for __________. Today I accomplished _________.

38. Remember that you are too blessed to be stressed.

39. Enjoy the ride. Remember this is not Disney World and you certainly
don't want a fast pass. You only have one ride through life so make the most
of it and enjoy the ride.

40. Call me for all your real estate needs.

Check out My Blog...http://www.realestatemartini.com

http://www.johnhayesrealestate.com

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John Hayes

RE/MAX Gold Folsom

530-306-3316

Church Lady Martini recipe

Church Lady Martini Recipe

4 parts gin
2 parts dry vermouth
2 parts fresh orange juice
Lemon, lime, and orange wedges

Combine liquid ingredients in a cocktail shaker with cracked ice and shake well. Strain into a chilled cocktail glass. Garnish with fruit wedges.