3 Ways to Have Fun at Home – Without Electricity!
A few weeks ago the world celebrated Earth Day, and it got us thinking about ways to help the earth and save energy while having fun with your family. Here are three ideas for a night of fun without electricity:
Take it Outside. Have you ever had a backyard camping trip with your family? Give it a try! Pitch the tent while the kids are at school, and when they get home have them leave their electronics at the door. All you’ll need til the morning is fire wood, s’mores supplies, and games. Which brings us to…
Kick it Old School. Some of the most treasured American games began with a simple board and some dice. Grab flashlights or some candles and introduce your family to your favorite childhood games for a little nostalgia and a lot of new memories – no outlets required.
Create Your Own Music. Challenge each family member to find a household object to turn into an instrument! The person who gets the most creative with their music-maker gets to choose the next game.
What’s your go-to activity sans-electricity? Tell us Here!
NEXTHOME ANNOUNCES OUR NEWEST FRANCHISEE – NEXTHOME TEAM LINK REALTORS
BY IMRAN POLADI APRIL 20, 2015 ANNOUNCEMENTS,EDUCATION,GENERAL,MARKETING,PRESS RELEASES,SALES
Emily Link and Jessica Fender
Emily Link and Jessica Fender
Pleasanton, CA— April 20, 2015 — NextHome is proud to announce our newest addition to the franchise, NextHome Team Link Realtors. The brokerage is the third NextHome franchise in Southern California.
Owned and operated by 35-year real estate veteran, Emily Link and her daughter, Jessica Fender, the Simi Valley-based brokerage is dedicated to serving the needs of clients in Moorpark, Thousand Oaks, Westlake Village, Newbury Park, Oak Park, Camarillo and the remainder of Ventura County.
Link started her real estate career in 1980, quickly adapting to the needs of clients in her area. As she is a second-generation REALTOR®, her success was not a surprise. She became a broker associate just six short years later in 1986.
Bringing Jessica into the brokerage as a partner brought a new dynamic. The addition of a Generation Y-agent brought a higher level of technology to the team that allowed Team Link Realtors to help clients using technology in ways that had never been used before. It was natural to have Link mentor her daughter in her real estate career. Of Link’s four daughters, three of them are in the real estate industry. That mentoring has spread outside of her family as well.
Placing a high value in both education and giving back to the REALTOR® community, Link has served as a Director for the California Association of REALTORS® (CAR) for nearly 30 years. Her service has included bring the Chair for committees such as the Scholarship Fund Committee, the Association President’s Forum, CAR Editorial Advisory Committee, and the REALTOR® Action Fund. In addition, Link has served on the Executive Committee working closely with the CAR State President.
In 1998, Link served as the state President for the CAR Women’s Council of REALTORS® – leading over 10,000 members statewide. She currently serves on the CAR EXPO committee, alongside NextHome’s Vice President of Business Development, Imran Poladi.
Owning her own boutique brokerage for over five years, Link had no intention of joining a franchise. Her business was successful and she had all of the business she desired. But an intriguing Facebook post caught her attention and she was curious to find out more.
“In November of 2014, while I was at the National Association of REALTORS® (NAR) Convention in New Orleans, I happened to see a post Imran created on his Facebook page about launching a new company called NextHome,” recalls Link. “I clicked on the website and saw other young leaders affiliated with NextHome that I know, such as James and Christine Dwiggins. Coincidentally, Imran, Christine and James were all at the NAR Convention and I was able to inquire more about this exciting venture.”
“As I enjoyed working with Jessica, I also still had a passion to help mentor others in our industry,” said Link. “I want to help not only my clients and the local community, but agents who want to be better, as well. I love to help others and I know that by adding NextHome to Team Link Realtors, I can do that more effectively than ever before.”
“It really came down to having it feel ‘right’. It makes sense at this time for Team Link to join NextHome to provide Ventura County with a brokerage unlike any other in the area.”
“From the moment that I had the good fortune to meet Emily, I knew that she is exactly the type of person I would like to be in business with,” said NextHome’s Vice President of Sales, Charis Moreno. “She brings so much to our franchise with her expertise, as well as her commitment to making the real estate industry better. I couldn’t be more thrilled to have Emily and Jessica as part of NextHome.”
We are proud to have Emily, Jessica and the NextHome Team Link Realtors as a part of the NextHome family!
Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.
After the worst national housing crash in history, the picture of distress continues to improve, but now with one worrisome aberration. For the first time in more than two years, the number of repeat foreclosures took a U-turn and was higher in January compared to a year ago.
Repeat foreclosures are when a home has been in the foreclosure process once, was somehow saved by either a loan modification or payment program, but then goes back into foreclosure. This can happen when the borrower either can’t or won’t keep up with the new payments. New repeat foreclosures rose 11 percent in January from December and accounted for more than half of all new foreclosures, according to Black Knight Financial Services.
The problem is worst in states where a judge is required in the foreclosure process. These so-called “judicial” states have a far longer time horizon for processing foreclosures and therefore have huge backlogs of troubled loans in limbo.
Analysts at Black Knight say they are unsure what’s driving the numbers. They point to some seasonal factors and do not believe the problem is due to the government’s mortgage bailout program (the Home Affordable Modification Program), which has a five-year term. Some of those first modifications from 2009 are turning into pumpkins. As such, they do report a slight uptick in resets under the program but say those would not materialize into new foreclosures until May at the earliest. The problem may in fact be far more basic.
“It’s not surprising because so much tinkering was done with defaulted borrowers over the last five or six years. It’s not surprising they’re running into problems again,” said Guy Cecala, CEO and publisher of Inside Mortgage Finance.
During the worst of the crisis, banks were put under increased pressure to modify loans even outside the government bailout program. They lowered interest rates, but in the end, many of their borrowers simply didn’t have the basic cash flow to pay, whatever the rate. Re-default rates were expected to be high, with some calling even 40 percent conservative.
In the meantime, completed foreclosures have been decreasing more rapidly than the backlog of seriously delinquent loans. The hope had been for the opposite and a quick return to a more normal level of distress. There are still more than twice as many troubled loans than normal, despite rising home values and an improving economy. In other words, the mortgage mess isn’t all cleaned up just yet.
General Membership Meeting – Every third Sunday of the month. 1:00pm – 3:00pm at Hale Mahaolu Elua hall. Interested new members are invited to attend.
Date: Sunday, June 20th, 2010
Time: 1:00 pm to 3:00 pm
Cost: Free to attend. Membership Fee: $15.00
Categories: Cultural / Ethnic
Hale Mahaolu Elima Community Hall
11 Mahaolu St.
Kahului, HI USA 96732
Island Area: Central Maui
Website: aui Adult Day Care Centers.org
Caregiver Support Group held every 1st Thursday of each month sponsored by Maui Adult Day Care Centers
Contact: Laura Paresa
Date: Saturday, March 14th, 2015
Time: 8:00 am to 1:00 pm
Bring your can goods and non perishables
Across from Kahului Shopping Center
Kahului, HI USA 96732
Island Area: Central Maui
Every Thursday, Friday, Saturday, and Sunday from 8am to 5pm at Maui Nui Farm. Nui’s Garden Kitchen lunch wagon will now be available 7 days a week serving delicious Thai food and more.
Every first Saturday & Sunday of the month are Family Days at Maui Nui Farm (8am – 5pm). Come enjoy the music, Thai food, and take a free farm tour. Customers receive 10% off on all purchases when accompanied by a donation for the Food Bank to accompany the farm’s donations. If you bring your Maui Nui Farm re-usable produce bag (available for a nominal fee) on Family Days, you will receive 10% off your purchases.
Maui Nui Farm is a 40 acre farm in Kula, Maui on the slopes of Haleakala owned by Nui Mizel and her son, Kit. If you have your wedding or event catered by them, you can be sure you’ll be eating the freshest food Maui has to offer.
Kula is famous for its produce. The cooler temperatures, rich soil, and regular rainfall make it perfectly suited for growing healthy food. Kula onions and Kula greens are phrases that have become part of the local language.
The farm grows such crops as lettuce, zucchini, squash, brocolli, bok choy, bananas, papayas, strawberries, gold potatoes, avocadoes, and also flowers such as protea, tuberroses, gardenias, haliconia, water lilies, and orchids. There is always a selection of fresh produce available.
This is an Ongoing Event occurring on Sunday Thursday Friday Saturday of every week.
Time: 8:00 am to 5:00 pm
Fewer people bought a house with just a 3% down payment in 2014 than in any of the previous 10 years. That might sound like a positive thing because it means the purchaser owns more of the house and the bank owns less, but experts say it suggests that first-time buyers are not fueling the housing recovery.
Only 25% of house purchasers taking out all residential house loans (conventional or Federal Housing Administration loans) put less than 3% down when purchasing a home, versus 27% in 2013, according to new analysis by real estate data firm RealtyTrac of nearly 20 million loans for single-family homes and condos nationwide over the last 10 years. That’s the lowest level in a decade. First-time buyers are among the most likely candidates for these loans. “It may seem like a lot but the average over the past 11 years has been 33%,” says Daren Blomquist, vice president at RealtyTrac.
The government has been promoting these low down-payment loans in an effort to encourage more first-time buyers get a leg on the property market, Blomquist says. The FHA has offered a 3.5% down payment loan, and many can be below 3% due to down payment assistance programs, he adds. The government-backed lending enterprises Fannie Mae and Freddie Mac recently introduced the 3% down payment loan program, and the U.S. Department of Housing and Urban Development also lowered the insurance premiums that low down payment borrowers have to pay, which Blomquist says would save the average house buyer $917 a year.
“If you don’t have a lot of money for a down payment, you may be out of luck in this housing market,” Blomquist says. “A lot of first-time home buyers don’t have a lot of money to put down or else they would be participating in this market more,” he adds. “If first-time home buyers don’t return to the market in greater numbers, it signifies a shift where a primary avenue of building wealth for middle-class Americans — homeownership — is no longer as readily available.”
Buyers can get a 97% loan-to-value mortgage through an FHA loan paired with a down payment assistance program that provides a second loan to cover all or part of the down payment, an FHA loan where the closing costs are rolled into the mortgage and/or a purchase-and-rehabilitation loan where the borrower is able to borrow based on the “after-repair” value of the property rather than the current value, which is typically lower since this is mostly used with distressed properties, Blomquist says. In the latter case, he adds, the bank may determine the value of the home post-repair will be actually greater than the actual mortgage.
There’s a downside to 3% down payments for those who qualify. Because the low down payment loans are considered higher risk, they come with mortgage insurance, which represents extra cost on the monthly housing payment and also represents another layer of qualification that the borrower has to go through to get the loan, Blomquist says.
There was an unusual bump in 2009 when down payments of 3% or less peaked at 46%. After subprime lenders exited the market in the wake of the 2008 financial crash, “the FHA stepped in to fill the gap,” Blomquist says. The FHA loans are disproportionately low down payment loans so those became a bigger share of the market. In addition, around the same time there was a first-time home buyer tax credit that was introduced that spurred more purchases by first time home buyers making low down payments.
The lower the average sale price, the lower the down payment. For purchases with no down payment — where the combined loan was actually more than the purchase price — the average sale price was $154,214 last year. But for those homes that cost more than $502,213, the average down payment was more than 50% of the average purchase price. “This shows that those who do have cash and feel optimistic about the job market are buying,” says Don Ganguly, CEO of HomeUnion, an online platform that helps investors buy and sell single-family homes. “It’s a little bit of the story of the haves and have-nots.”
The bad news: It could take an average of 12.5 years to save up for a 20% down payment — a common requirement by banks — with a personal savings rate of 5.6%, according to separate research by RealtyTrac released last November. RealtyTrac’s figures are based on current house prices — and don’t take into account possible further rises in home prices. However, if the down payment for a conventional loan was lowered to 3% from the traditional 20% — as was recently suggested by Melvin Watt, director of the Federal Housing Finance Agency — it would take less than two years.