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I Am The Flag

by Linda Ring 9. September 2014 15:29
I am the flag of the United States of America. My name is Old Glory. I fly atop the world's tallest buildings. I stand watch in America's halls of justice. I fly majestically over institutions of learning. I stand guard with power in the world. Look up and see me. I stand for peace, honor, truth and justice. I stand for freedom.

I am the flag of the United States of America. My name is Old Glory.
I fly atop the world's tallest buildings.
I stand watch in America's halls of justice.
I fly majestically over institutions of learning.
I stand guard with power in the world.
Look up and see me.
I stand for peace, honor, truth and justice.
I stand for freedom.
I am confident. I am arrogant. I am proud.September 11 Linda Ring Realtor San Diego
When I am flown with my fellow banners, my head is a little higher, my colors a little truer.
I bow to no one! I am recognized all over the world.
I am worshipped - I am saluted.
I am loved - I am revered. I am respected - and I am feared.
I have fought in every battle of every war for more then 200 years.
I was flown at Valley Forge, Gettysburg, Shiloh and Appamatox.
I was there at San Juan Hill, the trenches of France, in the Argonne Forest,
Anzio, Rome and the beaches of Normandy, Guam. Okinawa, Korea and KheSan, Saigon, Vietnam.
I was there. I led my troops,
I was dirty, battleworn and tired, but my soldiers cheered me
And I was proud.
I have been burned, torn and trampled on the streets of countries I have helped set free.
It does not hurt, for I am invincible.
I have been soiled upon, burned, torn and trampled on the streets of my country.
And when it's by those whom I've served in battle-it hurts.
But I shall overcome - for I am strong.
I have slipped the bonds of Earth and stood watch over the uncharted
frontiers of space from my vantage point on the moon.
I have borne silent witness to all of America's finest hours.
But my finest hours are yet to come.
When I am torn into strips and used as bandages for my wounded comrades on the battlefield,
When I am flown at half-mast to honor my soldier,
Or when I lie in the trembling arms of a grieving parent at
the grave of their fallen son or daughter, I am proud.
MY NAME IS OLD GLORY
LONG MAY I WAVE.

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To Serve? Or Not to Serve Food at an open house?

by Linda Ring 9. September 2014 14:41
A few Realtors and I had a discussion about serving food at open houses. The group consist of 6 Realtors. Three Realtors strongly agree that serving food at an open house is a great marketing tool. Of course, the other three Realtors did not agree. We made a simple pro and cons list. What is your opinion?

A few Realtors and I had a discussion about serving food at open houses. The group consist of 6 Realtors. Three Realtors strongly agree that serving food at an open house is a great marketing tool. Of course, the other three Realtors did not agree. We made a simple pro and cons list. What is your opinion?

Yes, serve food for the following reasons…

1) You are more likely to get a bigger turnout.Open House Food San Diego Century 21 Award Linda Ring

2) You might impress enough to get a listing from the guests that come in.

3) Food makes and open house feel more like a home.

4) A good meal will leave a lasting impression and buyers go from open house to open house. You won’t be forgotten.

5) Who doesn’t love free food!

No, don’t serve food for the following reasons…

1) It creates a distraction from the open house.

2) There are sure to be spills on owner’s carpet and furniture.

3) You never know, someone might get sick from the food.

4) In today’s society people are quick to voice their objections to food they deem offensive. Many vegetarians and vegan will find meat unacceptable and most likely you will hear about it. Many families have also become anti sugar so your cupcakes might not come across so well.

5) We specialize in selling homes not feeding hungry open house guests.

What is your opinion?

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FHA Loans - CHDAP Down Payment Assistance

by Linda Ring 6. September 2014 17:44
CHDAP, California Housing Down Payment Assistance Programs, helps homebuyers to buy a home with no money down.

CHDAP, California Housing Down Payment Assistance Programs, helps homebuyers to buy a home with no money down. This is accomplished by using a FHA loan and a 3% CHDAP silent second.Don't Flush you money Century 21 Award San Diego Linda Ring

The CHDAP silent second has deferred payments until the property is sold or refinanced but is never entirely forgiven.

There are some basic qualifications of the CHDAP loan program.

 

 

 

  • Borrowers household income cannot exceed median income for area.
  • Maximum sales prices are limited by FHA Loan limits.
  • Program is for California properties only.
  • Borrower cannot have owed a home in the last three years.
  • Must be able to qualify for a FHA loan.

The benefits of using a CHDAP program vs. most other down payment assistance programs is that it does not require the participation of the seller. This allows you more homes to select from.

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Floors Galore, how to choose the right flooring for you.

by Linda Ring 31. August 2014 14:47

Many homes in San Diego were built in the 1950’s. During the 1950’s most homeowners had stunning wood floors. Along comes the “Shag Carpet Era”. It seemed everyone was ready in install that new colorful shad carpet to give the home a cozy and warm feeling. Nowadays, everyone seems to be ready to get back to wood floors. They are easier to clear and help with the increasing allergies problems. From a real estate point of view, in San Diego homes with hardwood or laminate floor are in very high demand. Homes with these types of floors have a tendency to sell a little faster and perhaps a little higher. Install wood or laminate floors is certainly a strong and wise home improvement.Hard-Wood-Century 21 Award

The most common wood floor types are oak, pine, walnut, pecan, birch, ash, cheery, maple, cypress and Douglas fir. The new trend is bamboo floor because the resources and quickly re-grow help the green community.

Most floors can easily be refinished except for laminate floors. However, today, there are so many types of stains and finishes that can bring back the life and shine to original wood floors.

A trip to any local hardwood floor is a must. You will find so many different types of real wood if you want to take the time to install all new floors. If you are handy you can save so much money installing yourself.

In conclusion, I strongly suggest changing the main areas of you home from carpet to wood floors. The benefits will be…

1) Easier to clean.

2) They are great if you have pets the shed.

3) Wood floors will help with allegories

4) Wood floors make a room look stunning are rich

5) For San Diego resale value, it is a very wise upgraded.

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When you feel the need to declutter your home, here are some tips.

by Linda Ring 30. August 2014 16:39

Sometimes are homes can become overwhelming in need of organizing and decluttering? Hopefully you will find these simple tips a motivator to get that project underway. You will feel overjoyed and proud when the goal is labeled “DONE”. I find setting a timer to 15 minutes works. Every day I set aside just 15 focused minutes and tackle the designated pile of clutter for that day. You will be surprise what you can get done in just 15 minutes. Declutter You Home Century 21 award San Diego

I find dividing things in 3 piles helps too. Pile 1 is for the trash can. Pile 2 is for selling or donating. Pile 3 is to be neatly stored away. Keeping items together is really helpful too. For example and office supplies stay together and all pet items are organized in their own containers as well. The kitchen is always a challenge. All can food should be together and all food storage containers need to be in the designated area.

Adding shelves in the kitchen, home office, and garage will clever. This way all items can be in designated place. I think the key is to have a visual plan, start organizing, buy lots storage containers, group similar items together, and store them neatly in their designated areas. Go ahead, jump into your project today, it will feel fantastic when it done. Good Luck and Happy Decluttering!

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10 Reason Why Owning a Rental Property is Good..or Not So Good?

by Linda Ring 28. August 2014 09:28
Reasons why YES! 1) Most often the tenant is play some, most, or all of your mortgage payment. 2) Most often properties appreciate in value. 3) Most often the tax benefits are very good for your

Reasons why YES!

1) Most often the tenant is play some, most, or all of your mortgage payment.

2) Most often properties appreciate in value.

3) Most often the tax benefits are very good for your pocketbook.

4) If an unforeseen events happens you might need to use your rental for yourself.San Diego Investment Properties San Diego Century 21 Award Linda Ring

5) You can use the rental as leverage for other future investments.

Reasons why NO!

1) It could take months to evict a non-paying tenant

2) Tenant damage from a tenant could be very costly.

3) Tenants will call all hours of the day for even the slightest problem.

4) Government regulations are increasingly in favor of the tenant.

5) Future IRS tax benefits could decline.

Becoming a landlord can have great financial awards…it can also have great financial hardship for the owner. Before you invest your hard earned money you should seek professional advice. I would suggest getting advice from professional attorney who specializes in landlord/tenant laws. Also, a professional tax consultant is a must! Other professionals such as a financial advisors, accountants, and property management companies will be able to share ideas, thoughts, and professional advice to help determine if becoming a landlord is right for you. Of course you want to seek the professional opinion of a local real estate agent. Not all neighborhoods will make for a good rental investment because of sales prices in the area verse the market rental value. Please be sure to have each and every question you might have regarding becoming a landlord is clearly answered by a professional. It is so important to weigh all the pros and cons of owning an investment property to ensure the future is as secured as possible.

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Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.

Zero Down VA Loan. We Help Our Heroes Buy Homes!

½% FHA Loans Available.

We have homes, condos, townhomes, units, mobile homes, and more.

Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

www.Help619.com

(619) 251-5202

#NoPlaceLikeHome

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Lemon Grove California 91945.

by Linda Ring 27. August 2014 20:21
Let’s talk Lemon Grove California 91945. Have you see the Lemon Grove Monument? The big lemon is on Main Street. Its ten feet wide and located right next to the red trolley.

Let’s talk Lemon Grove California 91945. Have you see the Lemon Grove Monument? The big lemon is on Main Street. Its ten feet wide and located right next to the red trolley.

Lemon Grove is just east of Downtown San Diego City. It’s only about 4 square miles. Its motto is “Best Climate on Earth”. Lemon Grove is trying to reach the next motto of “Best Business Climate on Earth. We love see new business arrive.Lemon Grove Ca 91945 Linda Ring Century 21 Award

The population is about 26,000 people. Lemon Grove is 440 feet above sea level and the drive to the gorgeous beaches is just minutes away.

Did you know actor Dennis Hooper lived in Lemon Grove when he was around 13 years old? Other notable residents have been John Forester the cycling activist and author. Speed Martin who was a Major League Baseball player.

Lemon Grove was settled in 1869 by a sheep rancher named Robert Allison. In the early 1900’s is when the community acquired it name because of all the large citrus groves that were planted and harvested. Most of the large citrus groves had disappeared by World War II and residential housing was built. By 1960 Lemon Grove was pretty much completely developed.

This year so far about 250 homes have been listed and sold with Lemon Grove. The average selling prices is around $321,000. Lemon Grove is a wonderful place to live. It feel a little bit county and a little bit city. Lots seem to be a larger in Lemon grove which makes for great gardens and fruit trees.

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.

Zero Down VA Loan. We Help Our Heroes Buy Homes!

½% FHA Loans Available.

We have homes, condos, townhomes, units, mobile homes, and more.

Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

www.Help619.com

(619) 251-5202

Buy Homes Here

 

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Understanding San Diego Western Subterranean Termites

by Linda Ring 26. August 2014 14:43
If you suspect you have a termite infestation, please call a local licensed termite company. Many inspections run $50 for a written report of findings.

The Western subterranean termite is the most common in North America.

These annoying termites can squeeze through structures that are only 1/16 of an inch wide. Sometimes they enter through concrete slabs, around drain pipes, and between the slab and the foundation.

Western subterranean termite colonies are usually located in the ground under homes or along the foundation. They can be seen by the mud tubes they swarming termites San Diego Century 21 Awardconstruct. It is not uncommon to see the large numbers of winged termites swarm or leave the colony to search out mates. Swarms occur in the daytime, and in San Diego they occur on warm, sunny days during the fall, winter or early spring. A colony of termites can be 100-1,000 termites which will destroy a few inches of wood a year. Termites live from 3 to 5 years. If you suspect you have a termite infestation, please call a local licensed termite company. Many inspections run $50 for a written report of findings. Termites Century 21 Award San Diego

Western subterranean termites are highly destructive to Douglas fir and other common building timbers. Western subterranean termites rapidly eat out the internal sections of structural timbers, they devouring mainly the spring wood, and preferring to leave the harder summer wood sections.

The standard Home Insurance policy does NOT cover termite damage to structural or decoration timbers. The cost of repairs can be very expensive, particularly if you are required to remove and replace load-bearing structural timbers in the roof, wall or floor areas.Termites San Diego Century 21 Award

If you suspect you have a termite infestation, please call a local licensed termite company. Many inspections run $50 for a written report of findings.

 

 

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New FICO09 May Be Coming to Town,

by Linda Ring 26. August 2014 09:38
Later this year, if all goes well, mortgage lenders may have the opportunity to transition to the new FICO09 system. These changes are a very welcome relief for millions and millions of consumers who are just 30-50 points away from qualifying for homeownership.

New FICO09 May Be Coming to Town,

Later this year, if all goes well, mortgage lenders may have the opportunity to transition to the new FICO09 system. These changes are a very welcome relief for millions and millions of consumers who are just 30-50 points away from qualifying for homeownership.

After the recession in 2007, almost all lenders were regulated into firming up home mortgage loaning guidelines. Some lenders made internal company changes to their loaning guidelines with even tougher qualifying debt to income ratios and credit score acceptability. This was making it nearlyFICO09 May be Coming to a Lender Near You Century 21 Award San Diego Linda Ring. impossible to obtain a home loan regardless of your common and average ability to pay back the debit. Only the best of the best borrowers were approved for a home loan. Well, things might be changing soon.

With FICO09, don’t expect your negative credit to be magically erased. It will still follow you but with less negative impact. Any credit collection accounts on a buyer’s credit report will still remain for 7 years even if it’s paid off. However, the way this negative impact is viewed by the lenders will change if FICO09 is adopted.

The bottom line is, if FICO09 is implemented by lenders, any paid or settled collection accounts are not mathematically considered when calculating your home purchasing power via your credit score. More great news!...unpaid medial collection will have less negative impact as well when trying to qualifying for a home loan.. Over 64 million consumers have some type of negative credit from medical collections. Over 100 million consumers have negative credit from simple collections accounts. These negative impacts greatly reduce the ability of the consumer to own a home. With FICO09 changes, millions of people will be able to buy again or for the very first time.

Let’s hope that VA, FHA, Fannie Mae, and Freddie Mac will adopt these changes fast…because “There is No Place Like Home”.

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Thou Shalt Not…10 Rules To Live By When Purchasing A Home.

by Linda Ring 25. August 2014 18:03
1) Thou Shalt not change jobs, become self-employed or quit job. 2) Thou Shalt not buy a car or van...(you may be living in it). 3) Thou Shalt not use charge cards excessively or let fall behind.Linda Ring San Diego Century 21 Award Realtor

10 Rules to Live by During Your Home Buying Journey

1) Thou Shalt not change jobs, become self-employed or quit job.

2) Thou Shalt not buy a car or van...(you may be living in it).

3) Thou Shalt not use charge cards excessively or let fall behind.Linda Ring San Diego Century 21 Award Realtor

4) Thou Shalt not spend money you set aside for closing.

5) Thou Shalt not omit debits or liabilities from your loan application.

6) Thou Shalt not buy furniture or appliances.

7) Thou Shalt not originate any inquires into your credit.

8) Thou Shalt not make any deposit or transfers money without asking your Lender.

9) Thou Shalt not change bank accounts.

10) Thou Shalt not co-sign a loan for anyone.

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