Wednesday, December 16, 2009

Villages Fitness Center

While improvements are being made to the Fitness Center in The Villages Golf & Country, residents can use Club One located at the Silver Creek Sportsplex at 800 Embedded Way off Hellyer Avenue. It is projected that the use at Club One will be available through December 31, 2009.

Residents are encouraged to check with Community Affairs for the completion date of the Villages Fitness Center.

As a note, during the construction period, the residents are granted free admittance to Club One by showing their Villages ID card.

Sunday, December 6, 2009

Holiday colors emerge

Poinsettias were introduced to the United States in 1828. The flowering plant, indigenous to Guatemala and Mexico, has now become one of the major symbols of the holiday season. The Aztecs derived a red dye from the crimson leaves of the plant. (The red leaves are not flower petals.) Later, the bright red plants were used by the Franciscans in Mexico to decorate churches at Christmas time.

December 12 is National Poinsettia Day!

Saturday, December 5, 2009

December Community Events

Holiday season is in full swing at The Villages. Come check out some of these activities:

December 6 - Choral Project at Chateau Julien Wine Estate
Be amazed with the beautiful voices from the Choral Project resounding from the Barrel Room - the acoustics are amazing. This event will see Villagers' departing on a Royal Coach bus tour to Carmel for an afternoon of holiday wine tasting, gift reception, appetizers, wonderful music, good friends, and a fabulous place to begin the holiday season.

December 9 - Afternoon at the movies
Don't miss the showing of 'Angels & Demons' starring Tom Hanks at 1:30 pm in the Cribari Auditorium.

December 12 - Italian Club Christmas Party
This is a fabulous party which begins at 5 pm with no-host cocktails, followed by a five-course dinner and then listening, singing and dancing to Jerry Sauceda and his group. AND, Santa will be there so come prepared to tell him what you want for Christmas... The all-inclusive price for everything - antipasti, salad, pasta, wine, entree (choice of Filet Mignon, Filet of Sole stuffed with Crab, or Chicken Parmigiana), dessert, photo with Santa, entertainment, and free raffle prizes ALL for $45.

December 15 - Christmas Caroling with the German Club
One of the Villages traditions for many years has been Christmas Caroling in December. Come join the German Club on Tuesday, December 15 at 4pm and join in with the singing of German and English Songs.

December 17 - Montgomery Holiday Party
Village Montgomery has planned a festive Holiday Party at the Clubhouse for the residents of Village Montgomery and their guests. This evening will include a special presentation by the Villages Handbells.

December 31 - New Year's Eve
Early Bird Dinner at the Clubhouse Restaurant has 2 seatings: 5pm and 7:30 pm
This will be a special dinner including Champagne at $40/person.

Saturday, November 28, 2009

Senior Academy Osher courses in The Villages

The Senior Academy for Education has negotiated with Osher Lifelong Learning Institute at Santa Clara University to continue courses at The Villages. The Villages courses had been offered through San Jose State University and that program was cancelled in June.

The Villages has the facilities, support of the Community Activities Department, and the Board of Directors are committed to promote academic courses that contribute to the intellectual stimulation of Villagers and the surrounding community.

Thank you Senior Academy for your months of negotiation on behalf of the senior community.

Friday, November 6, 2009

Villages Guest Rooms

The four Villages guest rooms are affected by the hotel tax imposed by the City of San Jose. San Jose has increased the hotel tax. Effective November 1, rates are $96 per night for the guest rooms with two queen size beds and $85 per night for the guest rooms with one queen size bed. These rates are inclusive of all taxes.

Homebuyer Tax Credit Extended! Signed Into Law November 6, 2009

President Obama has signed legislation to extend the Homebuyer Tax Credit. Passage of the bill was widely anticipated to further spur economic recovery in the housing sector, as more buyers are now eligible for tax breaks under the new law. The $8,000 first-time homebuyer tax credit was originally set to expire on November 30.

In addition to offering the $8,000 first-time homebuyer tax credit, the new law also allows a $6,500 credit for repeat or move-up homebuyers who have lived in their primary residence for five years or more.

The tax credits are available to buyers who sign purchase agreements on a new or existing primary residence between December 1, 2009, and April 30, 2010. Buyers would have until June 30 to close on their new homes.

Saturday, October 31, 2009

Artificial Turf vs Real Green Lawn

Several residents suggested that artificial turf, called FieldTurf Landscape, may be a wise alternative for water conservation in The Villages. A test plot was installed adjacent to the Clubhouse barbecue area and the Pro Shop courtyard.

If you are in the area, please stop by and voice an opinion.

November Community Events

Holiday season is in full swing at The Villages. Come check out some of these activities:

November 5 - For the first time in 30 years, Tutankhamen has returned to the deYoung Museum and the Villagers have a tour scheduled. For $50/person the trip includes transportation and entry at the deYoung Museum. Come out to see the artifacts from the tomb of Tutankhamen which provide insight into the daily life and royal burial practices of the 18th Dynasty, Egypt's Golden Age.

November 7 - Holiday Faire presented in the Cribari Center Auditorium from 10 am to 2 pm. Our residents, Walter and Hanna Howald, will demonstrate the art of chocolate confection making and 40 of our Villages artisans and craftsmen have beautiful and unique items available for sale.

November 13 - Wine Tasting and Cooking Demo event returns with wines from Tenuta Winery. The cost is $12/person. Come see what Gavin is going to prepare for our holiday special!

November 26 - HAPPY THANKSGIVING!
The regular Thanksgiving buffets are sold out and the restaurant is now taking reservations for mini buffet in the cafe and preparing for to-go packages.

December 2 - Holiday at Union Square
This is our Annual shopping trip to Union Square in San Francisco. The bus will leave at 8:30 am and return by 5 pm. - cost is only $28/person. Come shop til you drop, enjoy a meal at a wonderful San Francisco restaurant, view the beautifully decorated Christmas tree at Macy's and leave the driving and the parking to the bus driver.

Sunday, October 11, 2009

Best of the Bay - KRON 4 - 2009 Nominee.....

The Villages Golf & Country Club has been Nominated "Best Country Club Community in Santa Clara County".

Best of the Bay as Seen on KRON 4:

Monday, October 12 at 1:30 pm
Monday, October 19th at 1:30 pm
Thursday, October 29th at 1:30 pm

"The Bay Area's Hidden Gem - for the Best Year's of Your Life"

For a tour, call 408.274.8766 and arrange to see this beautiful community
to make an informed decision about living at the BEST Country Club Community in Santa Clara County.

Thursday, October 8, 2009

Price Reduced to $400,000 - Natural beauty in The Villages Golf & Country Club

This one story, Cape Cod style unit, is in the perfect location in San Jose's active senior (55+) adult community and listed now for $400,000.

The deer walk right by this Village Glen Arden property while you are dining in your Custom designed enclosed patio with double paned windows and slate floors. The master bedroom suite has mirrored closet doors and organizers. While the second bedroom or guest suite has been enlarged to include a walk-in closet.

It's a real natural beauty in The Villages.

Come tour "The Bay Area's Hidden Gem - for the Best Year's of Your Life".

Call to see:
Carla Griffin
B & A Realtors
408.274.8766
DRE #00710852

Monday, October 5, 2009

October Community Events

The community affairs department have more fun arranged for Villagers and guests. Check out some of the following:

October 9 - "Joey & Friends"
The party starts at 5:30 in the Clubhouse with the show and dancing following a dinner of either Filet Mignon or Stuffed Salmon for only $53/person. This will be an evening of memories and reminiscing about the "good ole days' with Joey, Frank, and Sammy!

October 11 - USS Potomac for Fleet Week & the Blue Angels. A second bus is in the works. Don’t miss your chance for this one! $135 per person, tax deductable! Only few seats left!

October 31 - Annual Halloween Dinner Dance at the Clubhouse
The goblins will be in the Clubhouse and there will be a parade of costumes, dinner, and dancing. You do not have to wear a costume or dance to witness the fun and excitement of the evening. Prizes will be given for 1st, 2nd, and 3rd place costumes. All of this for $39/person and the buffet dinner includes a Chateaubriand Carving Station.

Come out and enjoy the fun and activities in The Villages.

Friday, September 18, 2009

Wi-Fi Service Comes to The Villages

Complimentary Wi-Fi service is available at Cribari Center, Montgomery Center, Vineyard Center and Foothill Center. No password is needed.

Thursday, September 3, 2009

September Community Events

Join in the fun this month with numerous events:

September 12 - Wine Tasting and tour at Chateau Julien in Carmel. Enjoy lunch in the beautiful courtyard and owner, Patty Brower, will be serving her favorite glass of wine to go with lunch. $44/person includes the Transportation forthis exciting outing!

September 19 - South Pacific. We now have two buses traveling to San Francisco to enjoy this 1949 musical by Richard Rodgers and Oscar Hammerstein. Following the musical, dinner will be served at the Franciscan Crab Restaurant on Pier 43 1/2. $120/person includes musical, dinner, transportation and a "feel good day" with your neighbors in The Villages.

September 25 - California Academy of Sciences. This fabulous all-day outing includes transportation, admission to Museum and two headset tours all for $53/person.

September 27 - SF Giants host the Chicago Cubs. Tickets are in the lower box 103 seats on the right field. Transportation and box seats are included in this $65/person outing!

October 1 - SF Giants host Arizona for the LAST HOME GAME OF THE SEASON. Transportation and lower box 103 seats all for $57/person. All sports fans are encouraged to bring their own lunch and soft drinks.

There is always active fun at The Villages Golf & Country Club!

Monday, August 31, 2009

Request for Permanent Reversal of HVCC (Home Valuation Code of Conduct)

Although HVCC has good intentions, its flaws are severely hurting our housing industry, the consumer and our economy. Please read the petition and sign the petition to permanently reverse HVCC in order to lower costs to the consumer and to restore the thousands of real estate transactions stalled by this horribly misguided code.

Representatives Childers (D-MS) and Miller (R-CA) introduced legislation (H.R. 3044) requesting an 18 month moratorium on the Home Valuation Code of Conduct (HVCC). ThinkBigWorkSmall applauds the introduction of H.R. ...

Source: www.hvccpetition.com

Saturday, August 29, 2009

Open Space Assessment Refund

The Santa Clara County Open Space Authority parcel tax which began July 1, 2002 and ended June 30, 2008 has been ruled unconstitutional and refundable.

For most Santa Clara taxpayers it was almost $20 annually, totaling approximately $120 in the six years.

To request the refund, complete the one-page claim form you received in the mail or claim on-line at Refund Claim for Tax Refund.

This claim must be filed by September 23, 2009.

If you do not request the refund, the Open Space Authority will keep your money to use as was originally intended.

Friday, August 21, 2009

JUST LISTED - 7708 Galloway Drive

Almost new and ready to move into!

This one story, Cape Cod style unit, is in the perfect location in The Villages Golf & Country Club, San Jose's active senior(55+) adult community. The home has 1490 sq. ft., 2 bedrooms, 2 baths, Expanded 2nd guest bedroom suite with walk-in closet, Gourmet Kitchen w/upgraded appliances, and Custom designed enclosed patio deck with double pane windows and slate flooring. The furnace was replaced in December 2008 and the hot water heater on August 17, 2009!

The community includes 18 & 9 hole USGA rated golf courses, tennis and fitness centers, 4 swimming pools, 7 1/2 miles of hiking trails, riding stable, RV and boat storage, Clubhouse Restaurant and so much more.

Listed for $420,000.

Call to see today:
Carla Griffin
Broker/Owner
B & A Realtors
DRE #00710852
408.274.8766

Co-listed with:
Erin and Jeff Benford
Alain Pinel Realtors
DRE #01372912 & #01473451
408.644.5159/5175

Please check out the virtual tour:
www.tourfactory.com/538271

Thursday, July 30, 2009

August Community Events

Join in the fun this month with numerous events:

August 1 - "Dog Days of Summer" - SF Giants host the Philadelphia Phillies
Transportation and box seats are included in this $46/person outing!

August 2 - The very popular Country Western Dance with the Patty Kistner Band,
$6/person to dance and listen to music from 3-6pm.

August 12 - The rivalry game! - SF Giants host the LA Dodgers
Transportation and box seats are included in this $69/person outing!

August 29 - Do you remember the Beach Boys? Come on down to the driving range for a concert by the California Beach Boys (a Beach Boys Tribute Band) from 6-9pm. Hotdogs, ice cream and fabulous dance music all for $10/person

There is always active fun at The Villages Golf & Country Club!

Saturday, July 25, 2009

San Jose Giants Coummunity Fund Golf Tournament

The Inaugural San Jose Giants Community Fund Golf Tournament held at The Villages Golf & Country Club on July 14 was a HUGH SUCCESS!

The Village resident's not only volunteered to help make this a wonderful event, many played with the great Hall of Fame players like Rich Murray and Vida Blue, 1989 MVP Kevin Mitchell and current San Jose Giants team members with manager, Andy Skeets and CEO, Jim Weyerman. Wow, what a great day and $10,953 was added to the San Jose Giants Community Fund.

Watch for the 2010 tournament to be even bigger and better!

Friday, July 10, 2009

Notification of Assessed Value

The County Assessor recently sent you a postcard with the January l, 2009 assessed value of your home. This value will be used to calculate your property tax due in December, 2009 and April, 2010.

Please look carefully at this assessed value and ask yourself if you could have sold your home last January for this amount. Because of the provisions of Proposition 13, most people will think they could have sold their home for more than the current assessed value. If you are among this majority, you need to take no further action.

If you think you would have had to accept less than the assessed value to sell your home last January, you should request an Assessor’s valuation review by August 15. You may request a review online at www.sccassessor.org/prop8.

You must have support for your valuation adjustment request. The usual support is a list of the sales prices of comparable properties during the three months before and after January l. An appraisal by a realtor familiar with your area can also be helpful. Carla Griffin does these appraisals for residents in The Villages.

Please remember that fair market value is always a range and there is no single correct valuation. Also, remember that the tax rate is a little over one percent (1%) of the valuation. Consequently, a $10,000 change in assessment will only reduce your taxes by a little over $100 for the year.

Would you like a property valuation? If you live in The Villages and would like an appraisal, please call 408.274.8766 before August 1 for your FREE property valuation.

Sunday, June 21, 2009

Ever wanted to play golf with a Baseball Pro?

The Giants organization is bringing some players, coaches, and owners of the San Jose Giants, San Francisco Giants, and Hall of Fame players to play in the Inaugural San Jose Giants Community Fund Golf Tournament at the Villages Golf and Country Club on Tuesday, July 14.

All golfers are invited to play in this tournament and play in a foursome with a baseball pro. The tournament benefits the youth in our community through the development of healthy lifestyles in children and teens through physical activity and eduction.

The registration fee includes golf, lunch, dinner, prizes and the ALL-STAR game which will be shown on a big screen during dinner. For further information and to register for the tournament, please contact Tournament Coordinator, Ruth DePonzi, (408) 297-1435

Interested in sponsorship opportunities? There are many opportunities from Tee Sponsor to Dinner Sponsor packages.

Come out and help support the youth in our community.

Buyer changed mind!

Didn't have a chance to see and purchase this beautiful Villages property located at 8799 Grape Wagon Circle?

Please call today to see the property - 2 bedroom, 2 bath, large patio, city views. Price has been reduced to $520,000.

Seller has begun packing and is looking for another offer.

Friday, June 5, 2009

MAJOR $40,000 Price Reduction

8799 Grape Wagon Circle, San Jose
Listed for $520,000. OWNER says Sell!

Are you ready to move into an active adult community?

If so, this place might be your new home. It is located in The Villages Golf & Country Club. 1415 sq. ft., 2 bedrooms, 2 baths, ungraded within past 2 years with Brazilian cherrywood floors, tile in the baths, Plantation shutters and much more.

The community includes 18 & 9 hole USGA rated golf courses, tennis and fitness centers, 4 swimming pools, 7 1/2 miles of hiking trails, riding stable, RV and boat storage, Clubhouse Restaurant and so much more.

Association Fee is $657/mo.

Call to see today:
Carla Griffin
Broker/Owner
B & A Realtors
408.274.8766

Co-listed with:
Erin and Jeff Benford

Sunday, May 31, 2009

June Community Events

Join in the fun this month with numerous events:

June 7 - Concert Band playing at 2:30

June 13 - Celebrate Father's Day with 'Battle of the Bay' -
SF Giants host the Oakland A's
Transportation and box seats are included in this $69/person outing!

June 20 - Classic Cars, Wine Tasting, and Art Show
Cribari Center from 1-4 pm

June 26 - Travel down the hill to catch the San Jose Giants vs. Stockton Ports
Tickets are only $23 each which includes BBQ dinner, drink and
enjoyment of sharing the section with friends.

Monday, May 25, 2009

1st Annual District 8 Senior Health Fair

Walk your Way to Wellness

Hosted by Councilmember Rose Herrera

Date: Saturday, May 30, 2009
Time: 8:00am - 11:00am
Location: Eastridge Mall
PARK IN PARKING LOT C by BARNES AND NOBLE and ENTER THROUGH ENTRANCE C ( BETWEEN BARNES AND NOBLE AND BED BATH AND BEYOND)

Street: 2200 Eastridge Loop
City/Town: San Jose, CA

Description:

FREE event and the participants will enjoy breakfast, receive health information and screenings, participate in a walk for fitness and much more. There are 40 organizations to connect seniors to the local health resources including B&A Realtors presenting information about The Villages Golf & Country Club.

Stop by our table for a free gift!

Saturday, May 23, 2009

JUST LISTED - 8799 Grape Wagon Circle, San Jose

Are you ready to move into an active adult community?

If so, this place might be your new home. It is located in The Villages Golf & Country Club. 1415 sq. ft., 2 bedrooms, 2 baths, ungraded within past 2 years with Brazilian cherrywood floors, tile in the baths, Plantation shutters and much more.

The community includes 18 & 9 hole USGA rated golf courses, tennis and fitness centers, 4 swimming pools, 7 1/2 miles of hiking trails, riding stable, RV and boat storage, Clubhouse Restaurant and so much more.

Listed for $559,000.

Call to see today:
Carla Griffin
Broker/Owner
B & A Realtors
408.274.8766

Co-listed with:
Erin and Jeff Benford
Alain Pinel Realtors
408.644.5159/5175

Please check out the virtual tour:
www.tourfactory.com/513748

Sunday, May 17, 2009

The Villages FARMERS' MARKET

It is that time again!

Opening Day, Wednesday, May 20th, 9:30am - 11:30am.

The Villages Farmers' Market will be held in the Clubhouse Parking Lot and will run every Wednesday until Fall.

Come out and purchase the seasonal specialities directly from the farmers:

* Tree ripened cherries from Hollister
* First of the season's tender apricots from Modesto
* Vine-riped strawberries from Watsonville
* Organic produce
* Fresh cut flowers
* Crisp salad greens
* Specialty baked breads
* & more direct from Certified Growers and Producers!

Wednesday, May 13, 2009

GREEN TIP: Leaks Faucets

Leaky faucets that drip at the rate of one drip per second can waste more than 3,000 gallons of water each year. Not sure if you have a leak? Read your water meter before and after a two-hour period when no water is being used. If the meter does not read exactly the same, you probably have a leak.

Monday, May 11, 2009

Medicare Basics: A Guide for Caregivers

Please click the link to Federal Citizen Information Center in the sidebar to order this publication.

While there, please read over other publications that are offered to the public. Is this link informational for you? If so, please give me your feedback.

Thursday, May 7, 2009

May Community Events

Join in the fun with an activity filled month:

May 10 - Special Mothers Day Brunch
May 16 & 17 - Villages Amateur Theater Show
May 22 - Dancing with the Social Dance Club
May 27 - Wine Tasting and Cooking Demo
May 29 - Opera San Jose Performing

Monday, April 27, 2009

Spanish Club Cinco de Mayo at The Villages

Entertainment and Celebration at The Villages!

Come join in the fun of the Cinco de Mayo Fiesta sponsored by the Spanish Club on Friday, May 1, 2009 starting at 5pm.

There will be a no-host bar to mix and mingle including Margaritas, Corona beer, Spanish Sangria and Tequila from Jalisco and the enjoyment comes with a Culinary Fiesta at 6pm.

Mariachi Tapatio will stroll through the banquet rooms playing during dinner and then they will swing into dancing music.

This will be a great evening to enjoy Cinco de Mayo and spring in The Villages.

Saturday, April 25, 2009

San Jose Museum of Art - A3 Benefit (Art, Auction & Accessories)

Mother's Day is approaching! Purchase a fabulous gift...and help the San Jose Museum of Art

This weekend! April 25 & 26, 2009, 11am - 5pm, FREE entry to event.

The annual A³ Benefit of the San Jose Museum of Art is a highly anticipated event on the Bay Area arts calendar. The A³ Benefit is the Museum's major fundraising event of spring and raises significant funds for award-winning exhibitions and public programs.

Magnificent jewelry designs, original artwork, raffle and silent auction items such as gift baskets and certificates will be featured.

Thursday, April 23, 2009

Home Maintenance Tips for SPRING

Spring has arrived in many parts of the U.S. The ideas below will help you prepare your home for a hassle-free summer:

*Clean showerheads and faucet aerators.
*Clean and seal tile grout.
*Clean the clothes dryer exhaust duct and space under the dryer. This prevents lint from accumulating and reduces the risk of fire.
*Inspect washing machine hoses and replace when they show signs of wear or leakage.
*Inspect deck or patio for deterioration and safety hazards. Repair loose boards, protruding nails or other safety issues.
*Keep a multi-purpose fire extinguisher handy and ready for use.
*Wash the exterior of your house using ordinary garden hose pressure and a mild detergent.
*Caulk exterior joints around all windows and doors.
*Change air conditioner filters.
*Have a certified chimney sweep inspect and clean your chimneys.

Monday, April 20, 2009

Baby Boomer Senior Expo 2009!

New Era Seniors Lifestyle Show
This is Information for Baby Boomers and beyond!

http://www.BoomerSeniorShow.com


Where: Santa Clara Convention Center
5001 Great America Parkway, Santa Clara
When: Sunday April 26, 2009
Time: 11:00 AM to 5:00 PM
FREE Admission and Parking

This is an opportunity for baby boomers, seniors, family of seniors and caregivers to meet experts. The full day Expo and Seminars include
topics such as:

*Affordable housing for independent living.
*Home care assistance
*Home improvements – room additions, painting, modifications, wheel chair access
*Long Term Care
*Real Estate - investments, mortgages, reverse mortgages, etc.
*Travel information
*Trust & Wills
*Wealth management and wealth creation
*And much more!

AS A NOTE, I will be exhibiting and talking about the real estate opportunities available in The Villages Golf & Country Club. Just look for B & A Realtors and ActiveOver50 publication.

Visit my exhibit booth and receive a FREE Thank You Gift!

Sunday, April 12, 2009

Moving into Less Space? Take a hard line on purging belongings

To make for a smooth non-stressful move, avoid the five most deadly mistakes:

1. DON'T leave the purging process until you're ready to move.

2. DON'T be stubborn about doing it all on your own.

3. DON'T focus too much on giving items a good home instead of getting rid of them.

4. DON'T forget to label boxes on all four sides.

5. DON'T forget to pack everything up systematically.

Good purging requires effort and time. If you can't make these changes yourself, get help. A good professional organizer can guide you from the purging to settling in.

Tuesday, March 31, 2009

HELPFUL HINTS...Other uses for Alka Seltzer

Clean a toilet.
Drop in two Alka Seltzer tablets, wait twenty minutes, brush and flush.
The citric acid and effervescent action clean vitreous China.

Clean a vase.
To remove a stain from the bottom of a glass vase or cruet, fill with water
and drop in two Alka Seltzer tablets.

Polish jewelry.
Drop two Alka Seltzer tablets into a glass of water and immerse the
jewelry for two minutes.

Clean a thermos bottle.
Fill the bottle with water, drop in four Alka Seltzer tablets, and let soak
for an hour (or longer, if necessary).

Unclog a drain.
To clear the sink drain, drop three Alka Seltzer tablets down the
drain followed by a cup of Heinz White Vinegar. Wait a few minutes,
and then run the hot water.

Friday, March 20, 2009

SCAM ARTISTS USING FORGED LETTERHEAD TO CON CALIFORNIANS

California Attorney General Edmund G. Brown Jr. is warning consumers that scam artists are using the forged letterhead of major lenders to "con" worried Californians into paying thousands of dollars for non-existent loan modification services.

"Californians should be deeply skeptical of anyone who demands money up front and makes extravagant promises that they can save their home," Brown said. Steps consumers can take to protect themselves from loan modification fraud are available at the local board of realtors.

Be very careful and it is always advisable to do some due diligence or ask your real estate professional for assistance.

NOTE: Complaints may be filed with the Attorney General's Office at: Office of the Attorney General - Public Inquiry Unit, P.O. Box 944255, Sacramento, CA 94244

Thursday, March 12, 2009

GREEN TIP: Permanent Filters

Instead of replacing your air conditioner or furnace filter several times a year, consider replacing the disposable filter with a permanent filter. These filters can be cleaned with a vacuum cleaner or garden hose and mild household detergents. Plus, these filters carry a lifetime warranty, saving you money in the long-term.

Saturday, March 7, 2009

Economic Recovery payments

The stimulus packages provides for a one-time payment to Social Security and Supplemental Security Income (SSI) beneficiaries - $250 to individuals and $500 for couples (if both receive benefits). You do not have to file forms or do anything special to get this money. It will just show up by early June as an extra check or automatic deposit, depending on how you usually receive your benefits.

Friday, February 27, 2009

Use a Reverse Mortgage to Purchase a Home

Did you know you can use a reverse mortgage to purchase a home? The American Recovery and Reinvestment Act of 2009 (The Stimulus Package) includes a feature for seniors age 62 and over: the availability of reverse mortgages on home purchase transactions.

An example is Meghan who recently sold her home for $600,000, netting approximately $515,000. She had originally wanted to purchase a place for $450,000, which would leave her a cash reserve of $65,000. However, what she really liked cost $550,000. She is purchasing the property for $550,000 with $300,000 cash and a $250,000 reverse mortgage. She is very excited because this will leave her with $215,000 in cash reserves. Yet, because it is a reverse mortgage she will not have to make any payments until her home is sold or she no longer uses it as her primary residence.

As an extra bonus for Meghan, because her purchase price of $550,000 is less than her sales price of $600,000, she will be able to transfer her property taxes to her new home. She had lived in her home for over 30 years so her property taxes are quite low.

If you know of anyone who might be in this situation, please suggest that they consult their tax advisor and talk to a Senior Equity Reverse Mortgage specialist.

Published by:
Carla Griffin, Broker, B & A Realtors

Tuesday, February 17, 2009

Four Ways the Stimulas Plan Benefits Home Owners and Buyers

Press Release

February 17, 2009 - CMPS Institute

There are four primary sections of the economic stimulus plan that will benefit home owners and buyers,” said Gibran Nicholas, Chairman of the CMPS Institute, an organization that certifies mortgage bankers and brokers.

Benefit #1 – Higher Reverse Mortgage Loan Limits (For the Seniors 62 and over)

The loan limits for FHA-insured reverse mortgages have been increased to $625,500 across the entire country – not just the higher cost areas. The previous limit was $417,000 across the country. “This is especially important because the FHA program is virtually the only game in town as private and jumbo reverse mortgage programs have nearly all evaporated,” Nicholas said.

This coincides with another "little-known change" in the reverse mortgage arena: the availability of reverse mortgages on home purchase transactions. “This is a fantastic opportunity for senior citizens to buy a new home and live mortgage payment-free without having to wait for their old home to sell,” Nicholas said. “Seniors could also use this strategy to buy a new home and turn the old home into a rental or otherwise wait for market conditions to improve before trying to sell the old home.”


Benefit #2 – Expansion of Home Improvement Tax Credit

“The tax credit for making energy efficient home improvements is now 30% of the cost of the improvements up to a maximum of $1500,” Nicholas said. “This means that if the improvements cost you $4,500, you would receive a tax refund of $1,500 when you file your tax returns.” Eligible improvements include energy efficient exterior doors and windows, insulation, heat pumps, furnaces, central air conditioners and water heaters. “Generally, most modern improvements like windows, furnaces, and air conditioners meet the necessary standards for energy efficiency,” Nicholas said. “If you’ve been holding off on making some of these improvements, now is a great time to get a move on it – especially with all the great deals being offered.”

Benefit #3 – Expansion of First-time Home Buyer Tax Credit

The tax credit available to first time home buyers was increased from $7,500 to $8,000 for homes purchased between January 1, 2009, and December 1, 2009. Also, the credit no longer needs to be paid back as long as the buyers live in the home without selling it for at least 3 years. “The previous version of the credit expired on July 1, 2009, and required home buyers to pay the funds back over a 15 year time frame,” Nicholas said.

There is one catch, however: if you bought the home in 2008, the credit remains $7,500, and it still needs to be paid back over a 15 year timeframe beginning in 2011when you file your 2010 returns.

Benefit #4 – $729,750 FHA and Conforming Loan Limits Restored in High Cost Areas

“The $729,750 maximum loan limit had been in force throughout 2008, but was reduced to $625,500 in 2009,” Nicholas said. “The economic stimulus plan restores the $729,750 maximum. This makes higher cost homes more affordable – especially in the coastal housing markets that tend to have higher than average home values.”

For further information on these Benefits, please contact your CPA, Reverse Mortgage Lender, or local Real Estate Broker.

Saturday, February 14, 2009

Senate Passes Stimulus Package By 60 To 38 Vote

The following is directly from the President of the California Association of Realtors (http://www.car.org/), James Liptak (2/13/09):

Late this evening, the U.S. Senate passed the American Recovery and Reinvestment Act of 2009 by a 60 to 38 vote. Earlier today, the stimulus package passed the U.S. House of Representatives in a 246 to 183 vote. Today’s votes followed several days of negotiations by the House, Senate, and White House, with the final tab for the stimulus bill coming in at $787.2 billion.

On the housing front, the good news is that the legislation resets the conforming loan limit cap at $729,750, up from $625,500. Numerous counties in California experienced a marked decrease in their conforming loan and FHA limits on Jan. 1, and the stimulus bill reinstates 2008 loan limits through Dec. 31, 2009.

The bill also increases the first-time home buyer credit from $7,500 to $8,000, and removes the requirement that the credit be paid back if the buyer stays in the home for at least three years. It also extends the expiration date for the credit from July 1 to Dec. 1, 2009. Homebuyers must have purchased a home after Jan. 1, 2009, and before Dec. 1, 2009, to be eligible for the $8,000 credit.

C.A.R. and NAR have long advocated for higher conforming loan limits. The conforming loan limit provisions and other housing elements in the stimulus package are a step in the right direction for our industry and all Californians.

Now that the stimulus package is approved and is on its way to President Obama for signature, it is our hope that Congress will turn its attention toward helping homeowners remain in their homes and will take immediate steps directed specifically at stemming the ongoing foreclosure crisis.

This is excellent news!

Tuesday, February 10, 2009

WOWW - February 11, 2009; 8:30 am - 11:00 am

Councilmember Nancy Pyle's 2nd Annual (WOWW) (Westfield Oakridge Winter Walk and Resource Faire for Seniors) will be held on Wednesday, February 11 from 8:30 am to 11:00 am.

Schedule of events:

8:30 am to 11:00 am Resource tables open

8:30 am to 9:10 am Seniors register for WOWW in the Sears Courtyard of Westfield
Oakridge Mall and receive a FREE healthy breakfast

9:10 am to 9:15 am Councilmember Nancy Pyle's Welcome

9:15 am to 9:30 am Kaiser leads warm-up stretching exercises

9:30 am to 10:40 am Mall Walk

10:40 am to 11:00 am Kaiser leads cool-down stretching exercises
Raffle Drawing

11:00 am Councilmember Nancy Pyle's Closing Remarks

Come visit the table of B & A Realtors and receive a "Valentine" thank you.

Sunday, February 8, 2009

COFFEE FILTERS...Who Knew!

Coffee filters...who knew! And you can buy 1,000 at the Dollar Tree for almost nothing.

1. Cover bowls or dishes when cooking in the microwave. Coffee filters make excellent covers.

2 Clean windows and mirrors. Coffee filters are lint-free so they'll leave windows sparkling.

3. Protect China . Separate your good dishes by putting a coffee filter between each dish.

4. Filter broken cork from wine. If you break the cork when opening a wine bottle, filter the wine through a coffee filter.

5. Protect a cast-iron skillet. Place a coffee filter in the skillet
to absorb moisture and prevent rust.

6. Apply shoe polish. Ball up a lint-free coffee filter.

7. Recycle frying oil. After frying, strain oil through a sieve lined
with a coffee filter.

8. Weigh chopped foods. Place chopped ingredients in a coffee filter on a kitchen scale.

9. Hold tacos. Coffee filters make convenient wrappers20for messy foods.

10. Stop the soil from leaking out of a plant pot. Line a plant pot
with a coffee filter to prevent the soil from going through the drainage holes.

11. Prevent a Popsicle from dripping. Poke one or two holes as needed in a coffee filter.

12. Do you think we used expensive strips to wax eyebrows? Use strips of coffee filters.

13. Put a few in a plate and put your fried bacon, French fries,
chicken fingers, etc on them. Soak s out all the grease.

14. Keep in the bathroom. They make great "razor nick fixers."

OH YEAH THEY ARE GREAT TO USE IN YOUR COFFEE MAKERS

Thursday, February 5, 2009

Clubhouse Recipe for Month of February

PEPPERED SALMON WITH TOMATO LIME AND CAPER RELISH

Relish:
2 Roma tomatoes, finely diced
1 Tbsp. capers
1 tsp. diced red onion
1 tsp. diced pepper (either yellow, orange, red, or green)
3 limes, rolled, squeezed and juiced
1 oz. extra virgin olive oil
Salt and pepper, to taste

Combine all ingredients in a mixing bowl and let stand for a minimum of 1 hour at room temperature. (Taste and adjust to your taste!)

Salmon:
2 - 6 oz. salmon filets, skinned and deboned
1 oz. olive oil
Course ground black pepper
Kosher salt

Generously sprinkle black pepper, and a bit of salt on one side of salmon filets. Heat olive oil over medium high heat in saute pan until it just beings to smoke. Add salmon, pepper side down and saute for 4-5 minutes until well browned. Flip and reduce heat to medium and continue to cook until done to wellness desired (4-5 minutes for medium, less for rare). Remove from pan and let rest on a plate for a couple of minutes.

To plate: Place mixed salad greens decoratively on plate and place salmon on top. Top with the relish and serve with vegetables.

As an alternative sauce: Boil down pure orange juice until thick and serve over the salmon with orange slices on the side of the mixed salad greens.

Taken from the Cooking Demonstration by Gavin Williams, Director of Food and Beverage at The Villages.

Saturday, January 31, 2009

DID YOU KNOW?

1. Weeds Away with Newspapers

When you start to put in your plants, work the nutrients into the soil. Wet newspapers, put layers around the plants overlapping as you go and cover with mulch. Forget about the weeds! Weeds will get through some gardening plastic and they will not get through wet newspapers.

2. Get Rid of Ants

Put small piles of cornmeal where you see ants. They eat it, take it 'home', can't digest it, so it kills them. This may take a week or so, especially if it rains, but it works and you don't have the worry about pets or small children being harmed!

Thursday, January 22, 2009

GREEN TIP: Paperboard is Recyclable

Paperboard is a thicker form of paper used in consumer packaging. Examples include cereal containers, tissue boxes, drink boxes, detergent packaging, and shoe boxes. Paperboard is recyclable--often at curbside--if the plastic liner has been removed and it has not been stained with cooking oil or water. While paperboard often is coated with kaolin clay to improve its printing surface, it's still recyclable.

Friday, January 16, 2009

GREEN TIP: Use Before Recycling!

Collect 8.5- by 11-inch paper that's been printed on one side by your printers and fax machines, designate a paper drawer on each printer, or as many printers as practical, for this paper, and use it to print drafts.

Saturday, January 3, 2009

Villages Restaurant

Our Clubhouse is changing up the Features for dinner....

The Buffet Night on Wednesday evenings has been changed to ITALIAN NIGHT starting January 7.

One Starter, One Entree, and One Dessert for ONLY $11.99.

Wow, how can you pass up this 2009 economic change. See you on Wednesday evenings in the Clubhouse!

Clubhouse Recipe of Month of January

PASTEL IMPOSIBLE (IMPOSSIBLE CAKE)

Cake:
1 box chocolate cake mix
1/2 can evaporated milk
1/2 cup oil
3 eggs
1 cup caramel sauce

Preheat over to 350. Stir the chocolate cake mix with the evaporated milk, oil, eggs, and caramel sauce until mixed. Pour into greased 9x13 inch pan. Set aside.

Flan:
1/2 can condensed milk
1/2 can evaporated milk
3 eggs
1 teaspoon of vanilla essence

Combine the condensed milk, evaporated milk, eggs, and vanilla essence. Slowly, pour the flan mixture on top of cake mix, creating a second layer on top of the cake mixture. Place 9x13 pan in a larger pan, and fill the larger pan with water just higher than the flan mixture. Cover 9x13 inch pan with aluminum foil. Bake for 60-90 minutes. Allow cake to cool. Garnish with berries, mint, and powdered sugar, as desired.

Thursday, January 1, 2009

GREEN TIP: Stash Away Money in 2009

Drink tap water and before you know it, you can stash away $14,000.

You don't always have to drink bottled water. A $3 bottle of water a day x 365 days x 10 years x 6% interest is $14,694. That can be money in your pocket!

Small changes today means BIG bucks tomorrow.

Happy savings in 2009.

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