My New Blog

Are you an active or retired union member?  If you haven't register with Union Plus yet, do it now!  There are so many extra benefits they offer to Union members. Wells Fargo offers $500 mortgage gift and I will match it $500 towards closing costs.  That's $1000!!!
Posted in:General
Posted by Sabrina Simpson on March 28th, 2014 6:49 PM
As I spoke in my previous blog about being the sandwich generation, I thought about those that have parents with little means to obtain good long term care because it is so expensive.  The PACE (Program of All-inclusive Care for Elderly) was brought to my attention by a client. I knew I needed to share this information.

Locally we have a facility called Brandman Centers for Senior Care located in Reseda, California.  There are also many facilities across the United States and you can search here.  There is so much good information and everyone knows someone who can use this information.  Please pass it on.

Posted in:General
Posted by Sabrina Simpson on March 28th, 2014 6:26 PM

If you are like me, we are the sandwich generation and have elderly parents to take care of now or in the near future.  My mother, in her early 80's loves using the computer, but I needed to find something that was easier for her to use. Operating systems keep changing and it isn't as simple for someone aging to keep up with the new technology.  I found Teliken and my mother loves it!  I had to this with you! If you are looking for an easy solution for your parents or grandparents, I highly recommend Telikin.  Their customer service is awesome too!  Their website is: www.Telikin.com.

Technology today has become so pervasive that most of us take it for granted. Not only do we take for granted that we can instantly connect and get information, but we also take for granted how this technology works...
 

And that's one of the driving reasons behind the idea for a senior computer.

Many seniors and computer novices have never had the opportunity to learn the computer skills which are second nature to tech-savvy users. The concepts of windows, desktops, drop down menus, right-click options, minimizing, maximizing, tasks bars, etc., are so familiar to us because we’ve been using computers with these features for so long. We never stop to think how confusing it may be for someone who’s never used a traditional computer before.

shocked senior computer user

For many seniors learning computers, they describe feeling frustrated, overwhelmed, and lost:

“Where am I?”

“Where did the screen go?”

“Where did I save it?”

“How did I get here and how do I go back?”

Some of the biggest interface design barriers that complicate navigation for senior computer users are:

1) Disappearing desktops

2) Drop down menus

3) Overlapping windows

4) Missing or disappearing buttons

To simply assume that everyone can, and should, just learn to deal with these navigational intricacies in order to use the computer is limiting and also self-centered. Just because I want to be able to have eight different programs running, twelve internet tabs opened, and music playing on my computer, doesn’t mean that everyone else wants or needs to do all these things at once.

Computers for new users and seniors don’t have to be complex. Telikin was created, designed, and built for a different kind of user, one who wants an easier computer experience! It simplifies those aspects of computer navigation that are often frustrating and confusing for novices, while it retains the desired functionality of a conventional computer. Technology should make tasks like staying in touch easier, and more fun; and everyone, including seniors, should have a computer that they enjoy using.

Posted in:General
Posted by Sabrina Simpson on March 27th, 2014 12:20 PM

Sabrina's Fun Blog

After looking at other real estate blogs and finding most of them very boring, I've decided to blog for fun, so people can get to know me and feel comfortable enough to introduce me to their family and friends to help with their real estate goals. 

I'm a native Californian!  Are there many of us still around?  I grew up in the real estate industry, in La Mirada California.  My mother, Vita (Garrett) Schneider was a Broker/Owner of Century 21 La Mirada Realty and had been a broker since 1962, now retired. She was an instructor for California Association of Realtors, a Commercial Broker (C.C.I.M.) and a D.T.M. in Toastmasters to name just a few of her accomplishments.  I was lucky to have such a mentor when I decided to go into real estate! I love working in real estate & helping my clients with their one of their most important assets.

Where am I now?  I'm a resident of Moorpark, California (reminds me a lot of La Mirada where I grew up).  My husband, John is a licensed General Contractor and we own JCS Door & Window Inc.  Our company supplies and installs doors, windows, hardware & crown molding on large multi-residential projects and custom homes.   We are currently working on Marisol Malibu Estates.

We have raised our three children here in Moorpark.  They've all attended Moorpark schools and now grown and doing their thing. Josh served in the U.S. Army and now pursing a career in law enforcement.  Heather is finishing school to become a school counselor and Nathan with his Bachelor's in Criminal Justice is now going into the Marines.

My goal in writing this blog is to share websites that I've found helpful.  Share ideas and thoughts that you will hopefully find interesting.  Everyone is entitled to their own views, that is what makes our Great Country so wonderful! 

 

Posted in:General
Posted by Sabrina Simpson on March 23rd, 2014 6:19 PM
Header
Header_2
Listings Photo
$190,000.00
15036 Campus Park Drive #C

Moorpark, CA 93021



Beds: 2 Rooms: 4
Full Baths: 1 Sq. Ft.: 1012
Garage: 2 Built: 1980
 

2bdrm/1.5ba Campus Park Townhome
This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Sabrina Simpson
Prudential California Realty
8052672714
www.sabrinasimpson.com



 
  Visit this listing here
Posted in:General
Posted by Sabrina Simpson on May 12th, 2012 5:46 PM

The 2010 New Home Credit and First-Time Buyer Credit begins May 1, 2010

Applying for the 2010 New Home/First-Time Buyer tax credits: Applications must be faxed after escrow closes. Application if the 2009 form is used will be denied.  If the 2010 application is received before May 1, 2010, or it is received before escrow closes it will be denied.  Click on the links below for more information:

2010 Reservation Request for New Home Credit Form

First-Time Buyer Frequently Asked Questions

FTB Publication 3528 - New Home Credit

Posted in:General
Posted by Sabrina Simpson on June 7th, 2010 7:39 PM

It has been a while since I've posted to our blog, however I came across an article I wanted to share that answers questions about the housing crisis.  I found it to be very imformative.

http://www.american.com/archive/2008/may-june-magazine-contents/your-guide-to-the-housing-crisis

Posted in:General
Posted by Sabrina Simpson on June 1st, 2008 3:47 PM

Daily Real Estate News | June 26, 2007

5 Reasons Why Going Green is Growing
More than that 41 percent of the 300 U.S. real estate investment trusts (REITs) are actively pursuing energy efficiency and green building upgrades. What's more, another 27 percent plan to do so, according to an analysis by Progressive Investor, a monthly newsletter that guides investors and advisers toward sustainable investments.

Progressive Investor says the following is driving the trend:

  • Rising energy and water costs. Developers and building owners are feeling the crunch of high energy and water costs, which, according to the Building Owners and Managers Association, constitutes 28 percent of operating costs for downtown office properties and 30.4 percent for suburban properties. They see the quick payback and cost savings in energy efficiency and other green building upgrades.
  • Building green no longer costs more. Turner Construction's 2005 Green Building Market Barometer shows it costs a mere 0.8 percent more for basic Leadership in Energy and Environmental Design (LEED) certification, easily recouped through lower operating costs.
  • Client preference. More clients and tenants are showing a preference for green buildings, which have been proven to increase productivity, retain employees, and lower absenteeism. The combination of reduced operating costs and more satisfied occupants translates into 3.5 percent higher occupancy rates, 3 percent higher rents, and a 7.5 percent increase in building value, says the McGraw-Hill 2006 SmartMarket Report.
  • Attention-getting. Corporations with sustainable business policies are building highly visible green headquarters including Bank of America, Toyota, Goldman Sachs, Hearst, IBM, JPMorgan Chase, and Herman Miller. The Freedom Tower, which replaces the World Trade Center, will be LEED-certified.
  • Increasing mandates. Nine states and 40-plus municipalities have passed legislation mandating LEED-certified buildings.


— REALTOR® Magazine Online

Posted in:General
Posted by Sabrina Simpson on June 27th, 2007 11:12 AM
The National Association of Realtors® aggressively supports the mortgage interest deduction (MID) because it helps people become and remain homeowners. The MID has been part of the federal tax code since it was first enacted in 1913.

A home purchase – the largest investment most families will ever make – builds family wealth, provides tax revenues for local governments and stimulates growth in all housing-related industries.

People with both low and middle incomes use the MID. According to IRS tax return data from 2002, a little more than 60 percent of the families who claim the MID have household incomes between $60,000 and $200,000.

While in any particular year only about one-third of taxpayers itemize, of the taxpayers who do itemize deductions, more than 60 percent take the MID.

NAR strongly opposes any attempts to alter the current tax treatment of mortgage interest. Any changes to the mortgage interest deduction could erode the value of homes and homeownership, effectively closing the door on the American dream.

An NAR survey of home buyers found that both first-time buyers and repeat buyers ranked the desire for tax incentives as an important reason to buy.

People don’t buy homes because of the MID. They buy homes to satisfy social, family and personal goals. The MID does, however, facilitate homeownership by reducing the carrying costs of ownership.

The mortgage interest deduction remains the most effective tax incentive to expand homeownership. Homeownership provides important social and economic benefits. It is the cornerstone of a healthy community, the basis for positive community involvement, and a family’s first step on the ladder to wealth.

The national homeownership rate has stood at a high 69 percent of U.S. households since the first quarter of 2005. Though there have been dramatic increases in homeownership among minorities, there remains a gap in ownership rates between Caucasians and African Americans, Hispanics and other minority groups. Eliminating the MID would decrease homeownership rates.

The tax deductibility of interest paid on mortgages is both a powerful incentive for homeownership and one of the simplest provisions in the tax code. It should not be targeted for change.

NAR has been both vocal and successful in protecting the MID, yet proposals to eliminate it or scale it back continue to surface in Congress. Policymakers and voters have a legitimate desire to simplify the tax system, but tampering with the deductions for mortgage interest and property tax would be unwise, if not disastrous.

Current law permits deductions of the interest paid on mortgages of up to $1 million on a primary residence and one additional residence. In addition, the interest paid on home equity loans of up to $100,000 may be deducted.

NAR opposes any tax reform plan, including a flat tax plan, that does not retain the deductibility of mortgage interest. NAR also opposes any effort to convert the MID from a deduction to a tax credit.

Flat tax and other tax code simplification plans threaten the MID. In the past, flat tax proposals have come before Congress as part of the ongoing debate over how best to reform the current tax system.

NAR believes true reform can be achieved only through legislation that simplifies regulations and moves to a lower overall tax burden. Tax reform proposals that result in unfair distribution of present tax levels, heavier total tax burdens, or disruption of markets are not desirable. NAR will remain vigilant in opposing any tax reform plan that excludes the deductibility of mortgage interest.

A flat tax is a tax system in which all earned income is taxed. It has no deductions or exclusions. A single rate of tax applies to all individuals, regardless of income level. It's called a flat tax because this single rate applies to all income.

Updated: 3/1/07
Posted in:General
Posted by Sabrina Simpson on June 24th, 2007 9:49 PM

The State of California is working hard to protect borrowers from illegal and improper lending practices while still making sure that people get the credit they need to live the American Dream. Prospective homebuyers and other borrowers need to do their part by being careful about the lenders they select. Educating yourself about the techniques that dishonest lenders use will help you avoid becoming a victim of predatory lending.

The term “predatory lending” is used to describe a variety of deceitful, fraudulent or unfair credit practices, including:

  • Steering borrowers towards interest rates that far exceed the lender’s risks.
  • Charging excessively high fees and commissions.
  • Persuading a borrower to repeatedly refinance a loan in order to charge high points and fees each time the loan is refinanced (“loan flipping”).
  • Misrepresenting the loan’s terms and conditions.
  • Requiring high-cost credit insurance (“packing”).

Unscrupulous lenders who use these tactics often target vulnerable populations such as low-income borrowers and seniors.


PROTECT YOURSELF FROM PREDATORY LENDING PRACTICES

Shop Around

  • Compare the interest rates and the total costs of loans offered by several banks and credit unions in your area.
  • Ask lenders for names of other customers you can contact to see if they are satisfied with their experience.
  • Check for consumer complaints against lenders you are considering by visiting our Web site at www.corp.ca.gov or by contacting your local Better Business Bureau.
  • Don't take the first loan you are offered.

Use Caution

  • Be wary of lenders who contact you first, through mail, e-mail, door-to-door sales or telemarketing solicitations.
  • Be suspicious of lenders or brokers who guarantee loan approval regardless of your credit history.
  • Beware of offers that are “only good for a short time."
  • Steer clear of lenders who resort to high-pressure sales tactics.
  • Be wary of promises to refinance the loan to a better rate in the future.
  • Watch out for "hidden" terms, such as penalties for early pay-off of the loan.
  • Avoid "balloon" payments—some loans keep monthly payments down by requiring a big payment at the end of the loan term.
  • Make sure the monthly payments are well within your monthly budget.

Ask Questions

  • Ask your lender exactly what is being offered—you have a legal right to know the total cost of the loan, the annual percentage rate, the monthly payments and how long you have to pay back the loan.
  • Have all fees and points explained to you before applying for a loan.
  • Always ask questions until you understand everything.

Before You Sign on the Dotted Line

  • Make sure that you have received, read and understand all required disclosure documents.
  • Check to see if the loan terms quoted to you match your loan documents.
  • Before you sign the loan papers, have a lawyer, family member or friend go over them with you.
  • Never sign a document with blank spaces; all spaces should be filled in before you sign.
  • The bottom line: If you have any doubts, don't sign!
Posted in:General
Posted by Sabrina Simpson on June 2nd, 2007 8:45 PM