Cliff's Notes…on Real Estate » cliffnotesonrealestate.com

C.A.R. Fast Facts: 4/7/10

Cliff Keith — Wed, 07 Apr 2010 23:20:45 +0000

Fast Facts:

Calif. median home price: February 2010: $279,840 (Source: C.A.R.)

Calif. highest median home price by C.A.R. region February 2010: Santa Barbara So. Coast $795,000(Source: C.A.R.)

Calif. lowest median home price by C.A.R. region February 2010: High Desert $122,580 (Source: C.A.R.)

Calif. First-time Buyer Affordability Index – Fourth Quarter 2009: 64 percent (Source: C.A.R.)

Mortgage rates – week ending 4/1/10 30-yr. fixed: 5.08 Fees/points: 0.7% 15-yr. fixed: 4.39% Fees/points: 0.6% 1-yr. adjustable: 4.05% Fees/points: 0.6% (Source: Freddie Mac)

Who are the “BAD GUYS” here?

Cliff Keith — Wed, 10 Feb 2010 01:27:03 +0000

Click the link below and see how The Goldman Sachs Golden Boys have tricked the Amercian people once again with their new front company: OneWest Bank.

Click Here: This should make your blood boil!

Is there any reason why everyone should not be angry and want these guys tared and feathered and then run out of town on a rail?

Homeowners: Boost the Selling Price of Your Home!

Cliff Keith — Tue, 02 Feb 2010 04:35:45 +0000

10 cheap ways:

1. Paint the façade of your home including your front door.
2. Trim the plants and plant seasonal flowers.
3. Paint the inside of your home with neutral colors
4. Don’t forget all the flooring, replace, repair, or buff out.
5. Make major repairs, roof, pest report, property inspection recommendations
6. Buy a HPP (Home Protection Plan) so all systems are covered when you move
7. Make energy-efficient improvements and possibly get a tax credit
8. Replace light fixtures with modern ones and low energy bulbs
9. Buy a new stove for the kitchen
10. Replace the bathrooms: fixtures, shower heads, toilet seat, towels, and hand cloths

It should go without saying the homeowner should to a super through cleaning job and get rid of all dust, dirt, cobwebs, mold and any smells from pungent cooking odors, pet smells, or mildew.

There is nothing like a bright, fresh open air feeling to bring the buyers calling. Only caveat is to do these before you allow a prospective buyer in your lovely home.

For other informative pamphlets click here now

Comeback America…part 2 1.25.101

Cliff Keith — Tue, 26 Jan 2010 05:33:43 +0000

part 2: It is all about how our government collects money, mainly through taxation, and how they spend our taxes in governmental operations, programs and benefits. The decisions on how much taxing and how much spending is called fiscal policy.

Fiscal Policy is all about managing our nation’s finances properly! Our government, all three branches, have been making fiscal policy decisions that are very bad. And we as a citizen have to get our fiscal house in order through our elected and appointed officials. THERE ARE SOLUTIONS!

Two types of of spending: 1. Discretionary Spending. 2. Mandatory Spending (NO CONTROL and consists of about 60% of the Federal Budget, which includes Social Security, Medicare, and Medicaid).

Q.) How bad has our National Debt gotten? A.)’07=161B, ’08=455B. ’09=1.42 Trillion! or 9.9% of our G.D.P.. (Figures from O.M.B.) What does a Trillion Dollars look like?

Comeback America!

Cliff Keith — Sat, 23 Jan 2010 02:28:49 +0000

I have recently started to read a book by David M. Walker entitled Comeback America. Turning the country around and restoring fiscal responsibility. I am excited to be reading this book as if offers not only information on what went wrong with the US economy but also how to fix it. It’s an easy read and anyone who is older than a 5th Grader should be able to read and understand.

The book is intended to promote “basic principal values like thrift, personal responsibility saving and our stewardship obligation to shape the future for our next generation that is better than our past”. It will go on to explain how the “political system has failed to guard our nation’s financial health”. (What a great sound bite!)

If anyone has any comments or suggestion you are encouraged to comment below.

Thank you.
Cliff Keith

http://www.LovelyRedwoodCityHomes.com

HANDBOOK 2010

Cliff Keith — Tue, 05 Jan 2010 19:42:25 +0000

Health :
1. Drink plenty of water.
2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants..
4. Live with the 3 E’s — Energy, Enthusiasm and Empathy
5. Make time to pray.
6. Play more games
7. Read more books than you did in 2009 .
8. Sit in silence for at least 10 minutes each day
9. Sleep for 7 hours.
10. Take a 10-30 minutes walk daily. And while you walk, smile.

Personality :
11. Don’t compare your life to others. You have no idea what their journey is all about.
12. Don’t have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
13. Don’t over do. Keep your limits.
14. Don’t take yourself so seriously. No one else does.
15. Don’t waste your precious energy on gossip.
16. Dream more while you are awake
17. Envy is a waste of time. You already have all you need..
18. Forget issues of the past. Don’t remind your partner with His/her mistakes of the past. That will ruin your present happiness.
19. Life is too short to waste time hating anyone. Don’t hate others.
20. Make peace with your past so it won’t spoil the present.
21. No one is in charge of your happiness except you.
22. 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.
23. Smile and laugh more.
24. You don’t have to win every argument. Agree to disagree…

Society :
25. Call your family often.
26. Each day give something good to others.
27. Forgive everyone for everything..
28. Spend time w/ people over the age of 70 & under the age of 6.
29. Try to make at least three people smile each day.
30. What other people think of you is none of your business.
31. Your job won’t take care of you when you are sick. Your friends will. Stay in touch.

Life :
32. Do the right thing!
33. Get rid of anything that isn’t useful, beautiful or joyful.
34. Your GOD heals everything.
35. However good or bad a situation is, it will change..
36. No matter how you feel, get up, dress up and show up.
37. The best is yet to come..
38. When you awake alive in the morning, thank your GOD for it.
39. Your Inner most is always happy. So, be happy.

Last but not the least :
40. Please Forward this to everyone you care about, I just did.

George Washington Carver Quote

Cliff Keith — Wed, 30 Sep 2009 07:26:38 +0000

When I was young, I said to God, ‘God, tell me the mystery of the universe.’ But God answered, ‘That knowledge is for me alone.’ So I said, ‘God, tell me the mystery of the peanut.’ Then God said, ‘Well George, that’s more nearly your size.’ And he told me.” — George Washington Carver

“Stop Foreclosure In San Carlos” California 94070

Cliff Keith — Fri, 18 Sep 2009 22:18:41 +0000

Stop Foreclosure In San Carlos, CA 94070

Here’s a little ditty for you on this wonderful Friday.

Pondering

Cliff Keith — Sun, 30 Aug 2009 20:03:40 +0000

When you call a credit card company you hear an automatic message telling you, “to better serve you” they would like you to enter on keypad your account number. After you enter your number you are put into a loop to wait for your turn to speak with a account representative. The first thing out of the person’s mouth that answers your call is…May I please have your account number? How is that serving me better? And better yet why are they wasting my time? Aren’t they losing money with this needless step in their process?