VIEWS: 0 PAGES: 3 POSTED ON: 4/10/2013
18 THE SUN SIGNATURE - AUGUST 2009 drawback to synthetic grass; it is from $10-$18 per sq. ft. This price You have options with Greenway water-saving irrigation system, Landscape expensive. should include everything from: Lawn Aeration. Synthetic grass is to aeration, dethatch, or synthetic Talk You do have options. demo, site prep, capping irrigation only one option. turf options. Synthetic grass comes in many and installation. Your actual site We can install real sod or repair As the owner of Greenway Lawn quality levels, however, only the accessibility and demo needs will and enhance your existing lawn. Aeration, a local landscape contrac- Scott Lawn top of the line grasses look natural determine your specific costs. Also, with the new water sav- tor with over 16 years in business and stay looking great over time. Greenway offers only the highest ing MP rotator irrigation nozzles, serving North County Inland, I can Synthetic turf... So my recommendation is select the best. quality, most natural looking syn- thetic grass in the extra plush “NO repair and upgrade may be your best choice. provide an on-site consultation (for a small fee) to answer your ques- is love rightlawns. you? I it real sod for Synthetic grass comes in two very distinct varieties. Those that use Infill” type product. Our prices usually range from $10- $11 per Call us to schedule a personal consultation on your property to tions and concerns, explain what to do and how to do it. In fact, we install hundreds of “infill” of sand and crumbled rubber sq. ft. installed. Give me a call for discuss how to reduce landscape Let me know how we can help. lawns and care for thousands each (grounded up old tires) and those that a consultation before you decide on water cost from irrigation up- Call our office at (858) 486-8277) year. use an extra plush, extra thick fiber. synthetic grass. grades and conversions or a new today! Synthetic grass is an option. But Both processes keep the grass blades synthetic grass is not for everyone. It clearly has its place in some land- scape designs. The pluses are: standing upright and looking natural but the drawback to the “infill” type is it is extremely messy. THE PROPERTY SHOPPE What is real estate? ture and extends beyond surface space enclosed within the walls of 1. no watering The “infill” gets everywhere and the unit. The structure, surface land boundaries. Real estate, or “real 2. no cutting costs the rubber gets hot. My personal property,” extends beneath the soil and air space outside the unit are 3. little to no maintenance. choice is the extra plush with NO Cheryl Berkson and Bob Davie to the core of the earth as well as to the property of the homeowner’s This lack of monthly expense, “infill.” the air space above to infinity. association. The point is that un- So you’ve bought a property at a over time, will help offset the The price range per square feet great price in the current “opportu- Also included are all permanent derstanding what’s included in the upfront cost, which is the primary for good quality synthetic grass is nity market.” You’re excited and structures, fixtures, crops, timber, “real property” you’ve purchased with good reason. You have invested fences, trees, easements, minerals and is paramount. in income property and are getting it rights belonging to the property. The staff of Chase Pacific Proper- ready for the first “rental tenant.” An interesting example of this ty Management has been caring for Now that you are an owner, have is the rental of a boat slip. Such investment properties in San Diego you ever thought about what “real a rental includes the water and the since 1978. If you have follow up estate” means. Most people think land below the slip, thus making questions about the management of of real estate as land, a plot, a lot, the rental of a boat slip fall under your investment property, contact a parcel, soil, “terra firma.” To the control of California Landlord/ Cheryl or Bob at (858) 485-6550 or Standing up for traditional, conservative most people’s surprise, it is actually Tenant Law. e-mail to: email@example.com much more than that. In the case of a condominium unit, or go online at: website at www. values in North County since 1995 It is three-dimensional in na- the real estate conveyed is the air ChasePacific.com. TONY KRVARIC PRESIDENT & CEO By Sheryl Landrum, Recovery can be a Catch 22 since October and raising hopes proximate 1% origination fee, who General Mortgage that the region’s slumping housing doesn’t want to buy! With such 16935 W. Bernardo Drive, Suite 208 Corporation Staff Writer market may finally be poised for a positive news, is there anything we San Diego, CA 92127 Are we starting to see signs of comeback.” should worry about? Phone | 858-451-9700 recovery for our slumping hous- Welcome news to be sure. Fac- Unfortunately, as economic news Fax | 858-451-9701 ing market? Let’s hope so! San tors that are contributing to a rise gets better and our country begins Web | www.krvariccapital.com Diego has seen huge losses in home in home prices include: fewer fore- to move out of the recession, home values these past two and a half closure properties for sale, the First mortgage interest rates will inevi- years and we are ready for some Time Home Buyer Tax Credit and tably rise. Investors will move out HELPING CONSERVATIVES GROW, positive news. low mortgage interest rates. Can of the secure, but lower interest this trend continue? rate yield bond market and invest PRESERVE AND DISTRIBUTE WEALTH In The San Diego Union Tribune’s We all hope that we have seen the more into the riskier, but higher article “Median Home Price up in last of a wave of mortgage foreclo- interest rate yield, stock market. To June,” July 16, 2009, Emmet Pierce Tony Krvaric is a Registered Representative and Investment Adviser sures. With foreclosure properties attract investors, the bond market reports that: “San Diego County’s will need to raise the interest rate Representative with/and offers securities and advisory services through waning and home inventory shrink- Commonwealth Financial Network,® Member FINRA/SIPC, median home price rose for the a Registered Investment Adviser. CA Insurance Lic. #0C30071. ing, higher priced homes are begin- offered to investors. This, in turn, third consecutive month in June, will generate into higher mortgage ning to sell, and raising the median hitting $314,250, the highest figure interest rates. price of San Diego homes. Due to the government’s tax When it comes to mortgage credit, home purchases, as well as interest rates, as well as current Municipal Bonds permits to build, are in an upswing mortgage laws and credits, timing A Market Opportunity as people take advantage of the up can be crucial. Staying informed to $8K in tax credits the govern- with a reputable and knowledge- Recent volatility has created a potential opportunity in the municipal bond market. Tax Free municipal ment offered for those “first-time” able lender can help you stay bond yields are close to, or in some instances more than, taxable Treasury securities. This phenomenon home buyers who purchase a home ahead of the game when gathering has only occurred a few times during the past 10 years. While past performance is no guarantee of future information and making crucial before December, 2009. results, history has shown that this may be an opportune time to buy municipal bonds. To learn more about this opportunity please call me today for a complimentary copy of a report written Finally, with 30-year-fixed rate decisions when it comes to your by our Municipal Bond Strategist, George Friedlander. mortgages below 5%, for an ap- home mortgage. Liza C. Pille Vice President - Wealth Management 858-618-7914 Municipal Bonds may not be suitable for all investors. This does not MorganStanley SmithBarney constitute a solicitation to buy any particular municipal security. Please consult your Financial Advisor to determine bonds are suitable for you. Depending on your state of residency, some bonds may be excempt from state and local taxes; however, interest may be subject to the federal alternative minimum tax. Bonds are subject to interest rate risk. When interest rates rise bond price fall; generaly the longer a bond’s maturity, the more sensitive it is to this risk. Bonds may also be subject to call risk. which allows the insurer to retain the right to redeem the debt, fully or partially, before the scheduled maturity date. Proceeds from sales prior to maturity may be more or less than originally invested due to changes in market conditions or changes in the credit quality of the issuer. C 2007Citygroup Global Market Inc. Member SIPC. Smith Barney is a division and service mark of Citygroup Global Market Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citygroup Inc. and its affiliates, and are used and registered throughout the world. Working WealthSM is a service mark of Citygroup Global Markets Inc. 858-577-2400 THE SUN SIGNATURE - AUGUST 2009 19 with the fixed-rate option. emergency reserve or take cash out Home The only downside with a fixed- whenever needed. Life is indeed Loan rate Reverse Mortgage is that you good with a Reverse Mortgage! are required to take all of the cash at Again, you can take up-front Corner closing. For example, let’s say that cash, income-for-life or the line of you are 63 years of age and own a credit feature or any combination Bert Morrison home valued at $675,000 with a of the three! mortgage of $180,000. In this situa- To qualify for a Reverse Mortgage you must be 62 years of age and Reverse mortgage tion the fixed-rate Reverse Mortgage will pay off your $180,000 mort- gage AND provide you with about have adequate equity. There are no income requirements and virtually plenty options aretaking out Re- More people are $184,000 in cash at closing. You will never have to make no credit requirements. You can live in your home and obtain tax- verse Mortgages these days. another mortgage payment for as free cash at any time. With the recession, many people long as you live in your home and If you are interested in finding have seen their assets depleted and there are no restrictions on the uses out more about a Reverse Mortgage need another way to generate in- of your funds. you can call Bert Morrison, Owner come. With a Reverse Mortgage it With the Adjustable-Rate Reverse of Quality Funding Group at (858) is possible to receive up-front cash, Mortgage you do not have to take 485-6100. income for life or a line-of-credit all of the cash at closing. In fact And we invite you to go online that pays you interest, or some you don’t have to take any cash at at: www.QFGonline.com to listen combination of these features. all. Your existing mortgage is first to our Reverse Mortgage podcast. There are two basic types of Re- paid off so that you never need to We are celebrating our 21st year BUILDING FOR THE GOOD- Jay Riordan, founder of Dream Design verse Mortgages: fixed and adjust- make another mortgage payment of business and we value your Builders in Rancho Bernardo, believes that there is more than able. The fixed rate option is new for as long as you live in your business. one reason for building something. Riordan is a member of the and has several distinct advantages. home. Then you can “park” your Quality Funding Group is located RB Sunrise Rotary Club. Riordan chairs the program to build a With the fixed-rate option you have money in an internal line of credit within the Rancho Bernardo Plaza house in a day in Corazón, Mexico. Riordan, on the left, is seen Shopping Center at 16787 Ber- with his volunteer helpers on last year’s project building a home long-term certainty of the interest that pays you interest. for a deserving family in Tijuana: Patrick Riordan, Jake VanHeel, rate. Also, you generate more cash You can use this fund as an nardo Center Drive, #10. Christopher Riordan, Brenda Riordan, Megan Campitiello and Cole Campitiello. Jay Riordan chairs RB Sunrise Rotary “Build a House in a Day” painting and pounding nails. How- On Nov. 14, 2009 Dream Design Builders founder, Jay Riordan, is ever, there are always a few people hoping not to experience déjà vu in on each team with basic carpentry or Tijuana, when he and his team of construction skills. RB Sunrise Rotary volunteers once “After the loss of my home, for a again travel to Mexico to participate brief time I experienced what it was in this year’s “Build a House in a Day” like to not have a safe place to keep Corazón project. what’s dear to me,” states Jay. “I It was just two years earlier on Oct. look forward to joining my fellow 22, 2007 that the Riordan family lost Rotarians, friends and colleagues in their home during the devastating rolling up our sleeves, getting dirty San Diego wildfires. Ironically, Jay and making a tangible difference in had been in Tijuana with Sunrise another family’s life. Rotary volunteers on a Corazón “When we arrive at the site, there home construction project just two will only be a slab of cement. When days before the fires consumed his we leave 10 hours later, we will turn BENEFITS OF AERATION home. over the keys of a brand new home When the opportunity to chair the to a deserving family.” SAVES WATER SAVES MONEY cross-border event this year presented The Rotary Club of Rancho • Reduces your water bill by reducing costly runoff itself, Jay volunteered. Corazón has Bernardo Sunrise (San Diego) is • Helps repair and reduce brown spots • Stimulates root growth for a thick green lawn been building and repairing homes involved with several philanthropic in Mexico through “Build a House ventures each year. This year’s PAY FOR ITSELF IN WATER SAVINGS in a Day” projects since its begin- “Build a House in a Day” Rotary ning in 1978. Each project has an experienced lead project has raised $4,000 towards their goal of the $8,000 needed. If $ 40 $ 65 When it come to Real Estate... FRONT ONLY AERATION FRONT AND BACK AERATION builder in charge of the construction as you would like to help and want to Lawns larger than 1,000 sq.ft. Lawns larger than 2,000 sq.ft. well as a project safety manager and donate to this worthy cause, contact $20 per each additional 1,000 sq. ft. $20 per each additional 1,000 sq. ft. trip coordinator responsible for liaison Jay Riordan of Dream Design Build- The sod and seed experts say for AERATE EVERY When was the last time you RATED with the sponsoring group prior to the ers at (858) 674-9818 or visit: www. #1 the healthiest lawn you should... 6 MONTHS had your lawn aerated? project. dreamdesignbuilders.com. BEST PRICE We also fertilize at the time of aeration, It’s the best time for fertilize. Volunteers do not need construction For more information on Sunrise Call today BEST SERVICE Front $8 (up to 1,000 sq.ft.) • Front & Back $16 ( up to 2,000 sq.ft.) experience, just the basic skills of Rotary, visit: www.rbsunrise.org. 858-486-8277 SERVICES OFFERED • Aeration • Weed preventative When it comes to Real Estate... Scott Lawn, Owner • Annual fertilization service • Dethatching www.grnway.com • Sprinkler repair and installation • Overseeding Let GREENWAY do it CA Lic. #856402 • Sod and landscape makeovers • On-site consultations www. Reverse Mortgages Improve Your Quality of Life! Call now: (858)967-8801 Only an EXPERT will do! • Eliminate mortgage payments • Income monthly or when needed Service • Integrity • Experience • RESULTS! Office 858-676-6165 Shirley • Use funds for any purpose firstname.lastname@example.org Napierala DRE#00899853 • All income is tax-free! Call Bert Morrison Today! Your local, experienced Reverse Mortgage Counselor Bert Morrison Real Estate Broker 858-485-6100 A Diamond in the Rough! CA Dept. of Real Estate Listen to our podcast at: Room for horses at this 1.66 acre property with 3 bedroom and 2 License #01026933 www.qfgonline.com bath with 1895 sq.ft. Needs TLC, but is private and has a gated pool/patio area...Living room with fireplace and lower level family 16787 Bernardo Center Drive, Suite 10 room... Great potential here at this South Poway location... San Diego, CA 92128 Sold “AS IS” by the Trustee...........$499,500 - 535,000 VR 20 THE SUN SIGNATURE - AUGUST 2009 the federal government is giving first We need to be cautious, however, Real Talk Best Buys/in Real Estate About Real Estate time homebuyers who qualify a tax incentive who purchase and close and understand that it is a great time to buy if you plan to hold on to the escrow in 2009. home for a while. It is also a good Marilyn Hanes Finally, the front pages of major time to invest if the rental amount Coldwell Banker Residential Brokerage newspapers are agreeing, “Index exceeds the amount of the mortgage. finds price gains for homes in We may still have a slight correction NANCY CANFIELD Good vibrations! Continued positive news on the county,” “Hopeful Signs of Recov- ery,” “Investors lift Dow to best July in the market as many foreclosures are not yet on the market. How- Realtor #628323 since ‘89”. ever, there is some pent up demand outlook of the housing market is We have noticed an increase in for buyers and families who have 619.871.9333 creating a vibe that housing may real estate sales and prices for the been renting and waiting for this Windermere Exclusive Properties have hit bottom! Following along past several months. Plans have stability. 16890 Bernardo Center Drive with this trend seems to be some been made for construction on San Foreclosures and short sales are San Diego, CA 92128 positive news on the stock market Diego military bases which will act being priced so that they receive Email: email@example.com • www.nancycanfield.com and unemployment rate. as a stimulus for our economy as it multiple offers and this has been Interest rates are still very low and always has. These are just a few happening throughout the year. We signs of recovery. feel this trend is going to last and Toni Church Century 21 Award We deserve some good news, don’t begin a new cycle. 9934 Mercy Rd. # 200 we? I have been helping many local Marilyn Hanes is one of San San Diego, CA 92129 AWARD homeowners in their need to sell Diego’s top realtors with a passion Experienced ... their homes and their equity is gone. for excellence and a strong work 17 years in San Diego Real Estate “Not a Short Sale or REO” It has been heart breaking for them ethic which has produced many sat- Knowledgable ... 17 years serving North County Inland to need to short sale, however, there isfied clients throughout San Diego Professional ... is hope on the horizon and short sell- County and worldwide. Centurion Producer Award Winner ing a home is better than foreclosing, You can contact Marilyn at (619) 1998, 1999, 2000, 2001, 2002, 2003, according to accountants and lend- 540-6750 or you can visit Marilyn’s 2004, 2005, 2006, 2007 and 2008 ers. Please, should you need help website at: MarilynHanes.com or e- with this, give me a call. mail her at: firstname.lastname@example.org. “ Helping families Why Windermere? Popular North Poway Neighborhood Gorgeous Sabre Springs Home make 4 Bedrooms/2 Baths single family 4 Bedrooms and Bonus room/3 their home on Mira corner Cortina - large Mesa lot. Large fam- Baths, 2841 estimated square feet. next Winder-who? ily room/kitchen area is great for Highly upgraded. Granite, traver- move.. tine, marble kitchen . Maple Windermere, the newest real estate entertaining. Dual paned vinyl Cabinets. Creekside Elementary office in town has attracted Nancy Smoothly” windows, plantation shutters. Large Canfield with its progressive pro- master and master bath. School. Dual Zone. A/C. Views. Toni Church No HOA or Mello Roos. Call Toni Copper plumbing. Call Toni grams, charismatic leadership and Church, Century 21 Award, Church, Century 21 Award, highly-charged environment. It is (858) 354-5820 858-354-5820. . . . $636,600 858-354-5820. . . . . $775,000 one of the largest real estate firms Email: Toni@ToniChurch.com CA Lic #01119025 in the country. “From the moment you walk in the front door and hear the floor to ceiling waterfall, there is great chi or energy,” Canfield said. “I have always worked for an excel- lent company, but I needed to recharge myself, my career and learn how to Nancy Canfield better navigate these difficult waters Facebook, Twitter and the like, says in real estate today. Canfiel. “But I’ve learned what they “Many of the agents we sit op- are and a bit about how they can posite in a transaction have only supplement good agents. I’ve always recently gotten their licenses, or, if favored the personal touch, visiting experienced, are forced to work in clients, assisting in all of their mov- a foreign atmosphere of short sales, ing needs, estate sales, finding a new auctions and foreclosures. It takes home, moving into a retirement com- time and lots of work to become munity, and I always will. adept at the complications of real “I liken my service to handknitting estate transactions. Gone are the an Irish sweater versus one made days where you can plunk a For on a machine. I guess, to complete Sale By Owner sign in front of your the analogy, now I’m willing to house, and wing it. Inevitably, with use commercial buttons instead of rare exception, the seller will leave handmaking them, too. Does that thousands of dollars on the table. make sense?” “Truthfully, I have resisted a lot Canfield was asked if she could of the new tools available on the provide any feedback from recent internet, like Social Networking: clients. The following came from the Chandlers of Escondido. “We have known Nancy Canfield for quite some time now and feel she is more like family than our realtor. We have moved several times in the past five years and Nancy has been a God-send in helping us through the trials and tribulations in trying to navigate everything from financing to finding the perfect home for us. “She is extremely knowledgeable in every aspect of the process and does a lot of extra work getting to know all the areas, schools, busi- nesses and everything else you don’t typically think about for the loca- tions we were looking at, making the decision process that much easier. “She continues to amaze us with her knowledge, her compassion and ability to act as the level-headed buffer between parties, often making personal sacrifices to ensure that we, her clients get what we want and the deal gets done. “We love Nancy Canfield and strongly recommend her to all of our friends and family.” You can still reach Canfield at (619) 871-9333 or visit her website at: www.nancycanfield.mywinder- mere.com.
Pages to are hidden for
"Page 18-21.indd - The SUN Signature . Com"Please download to view full document