Thursday, October 21, 2010
Tuesday, September 7, 2010
LA County Fair Discount
LA County Fair Discount
COURTESY OF Bolton and Company
We are again pleased to offer to all Bolton clients, your employees and their family members, special pricing for the LA County Fair, which will be opening Labor Day weekend (Saturday, September 4th). The Bolton rate is $9 for adults (vs. $17 on the weekends) and $6 (vs. $12) for children ages 6-12 (please note that there is a $1 processing fee per order). This discounted pricing can only be obtained online with the exclusive access code as listed on the flyer below.
Enjoy!
Saturday, July 24, 2010
NEW CREDIT CARD LEGISLATION
New Credit Card Legislation:
What You Need to Know
New laws have radically changed how credit card companies can operate. Here's what you need to know about the new credit card legislation and how it may affect you.
Over-limit fees have been banned. Purchases are now denied if there are insufficient funds. And if cardholders want overdraft coverage, they must choose to opt in for this service. This is a huge loss of revenue for credit card companies and they've mounted an aggressive campaign to convince cardholders to opt in. The fees are typically $30 for each time you use your credit card and don't have sufficient funds available.
One of the consequences of the new legislation is that credit card companies are reducing available credit limits, some by as much as 50%. If you carry an outstanding balance, this is a concern because a higher debt-to-credit ratio could potentially lower your credit score. On each credit account, it's best to keep debt less than 30% of your available credit.
Credit card bill payments are now due on the same day every month. You can now schedule automatic monthly payments to avoid being late on paying your bill.
Credit card companies are busily sending cardholders the details of their new terms. These new terms might include annual fees, higher interest rates and lower reward points. Cardholders have the option of opting out of these new terms, whereupon the account will be closed. However, under the new legislation, cardholders have five years to pay off the debt under the old terms.
What You Need to Know
New laws have radically changed how credit card companies can operate. Here's what you need to know about the new credit card legislation and how it may affect you.
Over-limit fees have been banned. Purchases are now denied if there are insufficient funds. And if cardholders want overdraft coverage, they must choose to opt in for this service. This is a huge loss of revenue for credit card companies and they've mounted an aggressive campaign to convince cardholders to opt in. The fees are typically $30 for each time you use your credit card and don't have sufficient funds available.
One of the consequences of the new legislation is that credit card companies are reducing available credit limits, some by as much as 50%. If you carry an outstanding balance, this is a concern because a higher debt-to-credit ratio could potentially lower your credit score. On each credit account, it's best to keep debt less than 30% of your available credit.
Credit card bill payments are now due on the same day every month. You can now schedule automatic monthly payments to avoid being late on paying your bill.
Credit card companies are busily sending cardholders the details of their new terms. These new terms might include annual fees, higher interest rates and lower reward points. Cardholders have the option of opting out of these new terms, whereupon the account will be closed. However, under the new legislation, cardholders have five years to pay off the debt under the old terms.
Thursday, July 22, 2010
Monday, July 19, 2010
For all your real estate needs....
If you know anyone buying or selling their home, I would appreciate a chance to meet with them and discuss my outstanding service...
Thanks -
Jess Mangubat
Dilbeck Realtors - Pasadena
jessmangubat@yahoo.com
Thanks -
Jess Mangubat
Dilbeck Realtors - Pasadena
jessmangubat@yahoo.com
Sunday, June 27, 2010
Real Estate 411:
Real Estate 411:
[Housing Market] Life After the Tax Credit?
By: Sara Sutachan, senior research analyst
After dipping briefly below the 500,000 mark in April, sales bounced back strongly in May, to a seasonally adjusted annualized rate of 552,800 for single-family detached homes, increasing 14.1 percent from April and 1.2 percent from last May and registered the highest sales pace in the last five months. The current surge in home sales was due in large part to the delay in escrow closings for many first-time buyers who wanted to close in May to take advantage of both the state and federal tax credits.
However, the numbers of properties that went into contract during the month of May dropped 16.9 percent compared to April. That was consistent with expectations that activity may decline once the federal tax credit deadline passed. Looking forward, we can expect the flurry of sales dealing with tax credits to subside somewhat. However, with the state’s unsold inventory index at very lean levels (4.6 months in May, well below the long-run average of about seven months) and with mortgage rates expected to be favorable, prices should remain steady or perhaps even increase in the coming months.
For questions about Real Estate 411, please contact the Research & Economics Department at research@car.org or (213) 739-8352
[Housing Market] Life After the Tax Credit?
By: Sara Sutachan, senior research analyst
After dipping briefly below the 500,000 mark in April, sales bounced back strongly in May, to a seasonally adjusted annualized rate of 552,800 for single-family detached homes, increasing 14.1 percent from April and 1.2 percent from last May and registered the highest sales pace in the last five months. The current surge in home sales was due in large part to the delay in escrow closings for many first-time buyers who wanted to close in May to take advantage of both the state and federal tax credits.
However, the numbers of properties that went into contract during the month of May dropped 16.9 percent compared to April. That was consistent with expectations that activity may decline once the federal tax credit deadline passed. Looking forward, we can expect the flurry of sales dealing with tax credits to subside somewhat. However, with the state’s unsold inventory index at very lean levels (4.6 months in May, well below the long-run average of about seven months) and with mortgage rates expected to be favorable, prices should remain steady or perhaps even increase in the coming months.
For questions about Real Estate 411, please contact the Research & Economics Department at research@car.org or (213) 739-8352
Saturday, June 5, 2010
2010 Decline in Value
NOTICE OF REVIEW OF 2010 ASSESSED VALUE
California Law provides for a temporary reduction in assessed values when the Prop 13 value of a property excees the actual market vlaue as of Jan 1.
For more information regarding decline-in-value reassessments, please visit the Assessor's website at
http://assessor.lacounty.gov and review the information.
If you have any questions please feel free to call me.
Remember this is a free service!!
Various private companies may be sending mailings to property owners offering their services to pursue a reduction in their property taxes. These companies may charge hundreds of dollars to file for a reduction in value on behalf of the property owner. Some companies even impose late fees if the application is received after an arbitrary deadline. Be aware that solicitations from private companies offering to pursue a reduction in property taxes must clearly indicate that they are NOT a government agency and that their services are NOT approved or endorsed by any government agency. Failure to provide such notice is a violation of California law.
I hope this information is useful. Thank you for following my blog.
Enjoy the your weekend!!
Jess Mangubat
Dilbeck Realtors - Pasadena
626.431.2266
jessmangubat@yahoo.com
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