OPEN HOUSE SATURDAY AND SUNDAY JULY 23RD & 24TH: 2 TO 4:30PM 13831 vISIONS DRIVE – LA MIRADA, CA 90638 

Click the link above to see what the current housing trends are in Southern California .

Sincerley,

Renee Baccaro Realtor (license 01718366)

 The Perfect Home! in the perfect location. This Mediterranean feel of architectural excellence, in a Gated-community complete with Association playground, pool and spa. A Single Family home in ‘Resort’ like surroundings is an Impressive open two story bright home with High ceiling foyer, living room and dining area. Many windows lend spacious easterly morning sunshine with airy appeal from the living room to kitchen areas and to an adjoining family room with a cozy fireplace. The kitchen features upgraded granite countertop with full back splash. Built in custom BBQ Island with bar in beautifully landscaped backyard. View of waterway from the second story, laminate wood flooring throughout the house, large master with attached master bath with Jacuzzi tub.

A MUST SEE! Low HOA dues $140.00 per month.

Call Renee Baccaro Realtor License 01718355

You can search for property…or set up an account with our STATE OF THE ART Multipul Lisitng Service. This allows you to SAVE FAVORITE homes, WATCH FOR PRICE CHANGES or REJECT ones you don’t like.

You can WATCH A NEIGHBORHOOD that you like for NEW LISTINGS This gives you LIVE time results.

Sincerley,

Renee Baccaro Realtor

There are decesions to be made and the sooner you go through all your options the more sucure your future will be. You will be prepared to move forward. Don’t freeze in your gloom! You are not alone…

Stop Foreclosure

If you want to stop foreclosure and are in need of foreclosure help, the time to call 888-995-HOPE™ is now. The Homeowner’s HOPE™ Hotline is a counseling service provided by the Homeownership Preservation Foundation to work with you to find a solution to your problem. The sooner you call, the sooner you can regain your peace of mind. Remember, you’re not alone.

We can provide counseling to you, free of charge, in English and 170 other languages, 24 hours a day, 7 days a week, 365 days a year.

For FREE foreclosure help, call the Homeowner’s HOPE Hotline at
888-995-HOPE™.

888-995HOPE 24-Hours a day in 170 languages. There to assist you. Make the call.

http://www.995hope.org/

This information was put on the Department of Real Estate in Califronia at www.dre.ca.gov

 

There are enormous issues that face our county today. You know them as well as I do. Our middle class is collapsing. For the first time in our history young people will have a lower standard of living then their parents. Our deficit is now 14 and a half  Trillion dollars in dept.

 The Mortgage Market is, well a very sensitive topic these days. Once a richly driven economic powerhouse; stimulating jobs with regular raises, pushing our education and educators to higher expectation of future success…now, chewed down to the bare bone. What or who will get us out of this suffering sluggish depression?  

Things are looking bleak today when Senator Bernie Sanders on the Thom Hartman program states “We are at a pivotal moment in history”, reporting on the job market report which came out on Friday stating that hiring slowed down in May and unemployment is up to 9.1%.  Oil spikes, causing another problem, and the house of Republicans voted not to increase the nations borrowing power.

Senator Bernie Sanders talked to Vermont students at a “Town Meeting” at a university in Vermont. Sanders opened the topic with “Young people must know what they face today. They must become involved in our government process”.

The first question from a student is “How do we educate people to come up with solution about global warming?

Bernie Sanders says “Republicans control the house in Washington DC and it will be difficult to go forward with global warming…because the Republican Party does not believe that global warming is real. There is an enormous amount of work that needs to be done; moving to electrification; educating people about the fragility of our planet”.  It takes major communicating and brainstorming.

The following is a synapsis of the discussion at the town meeting:

Student question: About education costs and funding. The state is no longer funding as they agreed to. What can we do?

Bernie Sanders says it is a difficult issue because Government and legislation has to deal with so many financial issues at once; they need to think about “When we invest in education, is it an expense or an investment”? If you go to Europe or Germany, do you know how much college education cost you? Nothing! Young people, regardless of their income in those countries the citizens get the best education available. In the U.S. Medical school students upon graduating incur loans they have to repay up to $250,000. It doesn’t look as though under the Obama plan it will be getting any better; rather it looks as though it will become even more negative.  Government Pell grants will be less and other financial aid once provided for students to get higher education.

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A student asks about after graduation will he be able to find a job?

Sen. Obama plan does help to put money into economy. We are in a severe recession and we need to help the small business to expand; single payer help care system need to get free up; we desperately need to put money in infrastructure to create jobs; water systems; trade system; products made in the UNITED STATES. Our trade system encourages companies to leave the US; we have lost up to 50,000 factories to places like China and other low-wage paying countries.

Student: Regulation of the financial institutions; Wall Street reforms let off the hook; what can be done?

Sanders: Where we want to go; Banks; Dodd–Frank Wall Street Reform and Consumer Protection Act; bring transparency to the Federal Reserve. We were able to for the first time to trace and make public where 3 Trillion dollars of US Dollars went; to every large financial institutions in the country during the wall street crisis; The money went around the world; Auto companies, GE; Foreign banks. Information will come out in a few months because of the Reform bill. Four Giant financial Institution has top assets that are two-thirds of the  GDP; they issue 2/3 of credit cards and provide over half of mortgages. Break the huge financial institutions up…if not we’ll see another collapse. It is a hindrance to the kind of economic development we need. For example: Wall Street should be helping our small business; help them get the affordable loans they need to gain jobs, etc., etc. Help our manufacturing sector to gain jobs. Study the power of Wall Street; they exert Hugh influence over congress. One example:  In order to get deregulated (Sen. Sander opposed) Wall Street spent 5 billion in lobbying over ten years. It’s an issue that has to be dealt with.

What is the American supplement with the American troops in Afghanistan?

Sen. In my view given the recession; with 50 million Americans with no health insurance; young people cannot afford to go to college,  with our infrastructure falling apart; we have been there for ten long years. We need to improve our infrastructure. Ten years is a very, very long time. We need to support the Afghanistan people by training their troops, sooner or later Afghanistan will have to rely on themselves. We cannot just walk away, but we need to slowing start pulling our troops out.

Student asks a question relating to new energy from gas and how it will effect local air and water.

New energy sourse from gas: they are finding new potentials with natural gas in various parts of the country. The problem is with the methodology the process by which we develop can have a negative impact on the water in the region. First we want to make sure of the environment impact it will have.  

Bernie continues…with vigor on this subject.

EPA – Study the congress republican party! I don’t mean to be bipartisan but the republicans in control are  a right wing extremist party. They believe there should be minimal government regulations in digging or drilling for oil, coal, or gas exploration. Despite the significant success…these guys want to get the EPA out so those companies can do what they want. That will make lack of clean air and water and toxins will make people sicker in this country. They want to convert medicare in to voucher program. This extremist right wing party is working on turning our country backward…for their own greedy profits.

Student asks about Planned Parenthood.

Planned Parenthood –Defunded: Planned Parenthood does an excellent job.  Planned Parenthood was placed on the chopping block because women can get an abortion. They were saying fed funds were going to abortion “planned parenthood”, but this was not true. We have worked very hard…Planned Parenthood was not cut.

Very important Planned Parenthood; environmental; providing loans and aid for college student. This all comes down to the budget issue; do we move toward deficient reduction. I believe there are other ways to tripled deficit cuts, bringing troops home as a part of that reduction effort, 1% of the income earners of this country are doing phenomenally well, they need to pay their fair share of taxes. Look at the budget of the US. This would be of tremendous help.

Conclusion Sen. Sanders goes on to conclude the town meeting.

We need to turn this country around…we need your brains, your youth, your energy, your commitment. It is too important for you not to participate. Get involved in debates and be active in your pursuits.

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Happy Friday -13th everyone!

Mortgage Bonds are trading higher, following a consumer inflation reading that essentially met expectations.

Inflation data shows consumer prices are on the rise, but the report met expectations – hence the contradictory response in Bonds… The headline Consumer Price Index came in at 0.4% for the month, which met expectations…however this reading did carry the year-over-year rate to a hotter 3.2% – up sharply from the prior month’s 2.7% reading.  This was the hottest year-over-year headline rate in 2 1/2 years.

Even after stripping out the so-called “transitory” higher costs for energy and food, the Core CPI came in at 0.2%, which was slightly higher than the 0.1% expected.  This brought the year-over-year Core rate to 1.3%, up from last month’s 1.2% reading.  The takeaway here – one of the Fed’s QE2 goals was to create inflation and avoid deflation – it appears that they have been somewhat successful as the risks for deflation have somewhat abated.

The Consumer Sentiment Index was released this morning and reported that consumer sentiment rose to 72.4 vs the 69.5 expected.

The Euro is stronger today as economic growth in the region came in better than expected.

Did you Know?

Friggatriskaidekaphobia? That the official name for “fear of Friday the 13th.” And this is the only day during 2011 when the 13th will fall on Friday.  Historically, Stocks don’t get spooked and tend to move higher on Friday the 13th.  If this plays out, it would hurt Bonds…so go ahead and give your lucky rabbits foot a rub just in case. 

Today’s Base Rates:

Mortgage Product      Rates    APR

30 Year Fixed Conf    4.5%      4.73%

15 Year Fixed Conf    3.75%    4.04%

5/1 Conf ARM            3.125%  3.28%

5/1 Jumbo ARM         4.125%   4.29%

Thought of the Day

To achieve, you must care enough to make the effort but not so much that you’re afraid to fail. The most valuable results are reached by focusing intensely on what you’re doing without attaching your sense of self worth to what you get from it.

Imagine what you could do if you could do without worry. In fact, you can.

Think of how effective you could be if you didn’t have to obsess over how effective you were being. Those who accomplish much, do so by being unconcerned that they might accomplish little.

Have a great day & weekend

Renee Baccaro Realtor

DRE 01718366