Sandra Schweiger

For those of you who don't know I have a up and coming driver in the house. My oldest Zachary will be driving by January 2010 and we are all very excited. Now it should be known Zachary's grandfather my dad was Zachary's personal instructor from day one. Dick Reed (my dad) experience was with the Construction TeamstersTraining and Upgrading Fund southern California as a instructor and from there he opened the first RV Driving school that teaches individuals and their spouses/partners to drive and utilize their RV'sin the best possible way and both professions required a certian amount of patients, No braging this kid has been trained by the best.

Not all kids have this kind of one on one instruction let alone quality time with a family member with full understanding of the DMV or California HighwayPatrol wants and needs. Well Auburn has come to the rescue for our local teens. The California Highway patrol is hosting a free Start Smart Driving safely education class right here in Auburn for teenagers/young adults and their parents/guardians.

the class will be held from 7-9 pm on Oct 14th , Nov 18th , Dec 16th at EZ way Driving Schoolat 1085 Grass Valley Highway in Auburn. Now pre-registration is required call (530)885-8109

Fact:Motor vehicle crashes are the leading cause of death among American teenagers, killing between 5,000 and 6,000 teenagers every year for the past decade (through 2003, the last year for which complete NHTSA data is available) Via: Allstate insurance

I love the town of Auburn; Not only because of its rustic charm and its clasic standards we still have the coolest small town stuff. We not only still have parades for everything from 4th of July to Christmas, as a town/family we still take every opportunity to gather as possible. This just happens to be one of my favorite, The Old Town Antiques and Collectible Street fair it doesn't cost a thing. Yep just another FREE thing to do in Auburn and the enjoyment is priceless.

The warm memory's that sometimes bubble up in a persons heart when walking around at a street fair is priceless. You see the first year I was amazed at the rush of memory's this little yellow lunch box brought to my heart. Now it should be known I never owned one of these lunch boxes but I always admired it from afar and when I saw it again after 15 + years later i was a kid all over again. I didn't buy it that day and my lesson learned from this year is buy when it is right in front of you because it is not the same when you look at them on e-bay later. : {

The Old Town Business Association is providing a free shuttle from the Auburn Library parking lot from 8 a.m to 5 p.m. located at 350 Nevada Street, it runs every 20 mins. Giving you the quite moment with your treasure on your way to your car.

You should also know that the Specialty shops will be open offering gifts collectibles and clothing. Most restaurants will be open as well so take a minute to see what this town can do when it cleans out its attics and puts it on the streets.

FYI..... Bring a flashlight and shop early for the best bargains.

Auburn California has so many events in the Fall
below are events happening this Saterday and Sunday.

Saterday Oct 10
Auburn Wine and Food Festival
Check in starts at 11 am at the Place County Historic Courthouse 101 Maple St. Tasting/pouring 1-5 p.m. Tickets $45, $20 designated drivers (530) 885-9644
or
Stop my my favorite place to shop Auburn Market Place you can shop for anything here folks!
Stop and take a look.

E-Waste fundraiser
Drop off e-waste between 9a.m. and 1 p.m. at Sierra Hills School. 16505 Placer Hills Road, Meadow Vista. Electronics accepted but no appliances (530)878-9473

Waldorf open House
Live Oak Waldorf School
is having an Open house
Visit our 40-acre campus and talk with the administrator about your child.
See how our loving approach to education prepares your child for a
changing world.
Childcare available with advance reservations. 530-878-8720

Rummage sale
Women of worth sets up shop 9 am - 3 pm at the
Auburn Grocery Outlet, 414 Highway 49, Auburn
(530)878-1183
Please take a minute to visit there website and make a donation
Women of Worth

This is my short list of things to do this weekend.

Ill see you there!

Fall is here and the local Churches and schools are gearing up to the traditional Fall Event. Below are a list of the just some of our local events set for this Friday in Placer County.

Harvest Festival - Hope Lutheran School holds its annual Harvest Festival 5:30 - 8:00 pm
7117 Hope Way Penryn (916)652-0459

Oktoberfest Peace for families event 5-8 p.m. at the Blue Goose fruit Shed, 3550 Taylor Road , Loomis , Cost: $30. each, four for $100, $20 designated drivers. (530)823-6224

www.NorCalRelocation.com
Office (530)878-0321
Cell (530)263-0662

I recently attended a presentation conducted by Insurance agent Frank R. Lewis, where I learned some valuable information regarding the importance of securing homeowner's insurance early in the escrow process. It seems many companies are no longer writing insurance in parts of California due to the risk known as the "Wildfire Zone". Not only is homeowner'sinsurance a wise idea, it is also a necessary requirement whenever a buyer is obtaining a home loan. Unfortunately, many buyers wait until the last minute to obtain insurance for their home purchase which can result in the delay or inability to close escrow.

In addition this is very useful information for your buyers packet in order to help the buyer understand that there are some guidelines when shopping in certain areas.

Sandy Schweiger

What can you do?

• Work with a local insurance agent that is familiar with the area where you are purchasing your home

• Contact your insurance company immediately upon acceptance of your offer and ask if the property is located in that company's "Wildfire Zone".

• Ask your Insurance Agent to submit an application to obtain pre-approval and "Binding Authority" from underwriting. (Not just verbal approval.)

• Ask your Insurance Agent to inspect the property to determine if any of the underwriting requirements need to be met. This knowledge would be great to have during the purchase contract inspection period so you can negotiate with the Seller to fix these required items.

When determining risk, insurance companies look for many of the items in the following general
checklist *:

• ROOF:

Do all structures have an approved roof type? (Wood is not approved)

• VEGETATION:

Are all structures over 300 feet from any combustible vegetation?

• ACCESSIBILITY:

Is the street PAVED and over 25 feet wide?

Is there PAVED access to all structures from two directions?

The risk is NOT located in or accessed through a steep, narrow canyon?

• FIRE DEPARTMENT:

Is the fire department a 24-hour responding station?

Is the risk within 5 miles of the responding fire station?

Is the risk within 1,000 feet from a hydrant?

If no hydrants, what is the fire fighting water source?

Are the eaves on all structures enclosed?

All structures do NOT have wood siding?

• ADDITIONAL UNDERWRITING CONCERNS:

Are all structures situated on an approved foundation, and not on cantilevers, stilts, or pilings?

Are all raised decks kept clear of accumulations of combustible materials?

Is the structure visible from a public road, is the address clearly posted at the driveway entrance and is the driveway able to accommodate emergency vehicles?

* The above list is provided for general information purposes only and depending on underwriting practices may not be an all inclusive list of requirements. Use this list to be proactive in determining potential "red-flags" that may render a property uninsurable.

Homeowner's insurance is one of the many items you will need to address during the escrow process. The sooner you contact your Insurance Agent after opening escrow, the easier the process will be.

About Frank R. Lewis State Farm

Frank has been a State Farm agent for 27 years. His office is located in Auburn, California. His team strives to help people manage the risks of everyday life, recover from the unexpected and realize their financial dreams. For more information, visit www.FrankRLewis.biz or contact 1-800-234-5330.