If you love house music then out this ……..Funky London House……

http://funkylondon.podomatic.com/entry/2010-01-30T06_06_54-08_00

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Happy Friday

Off to the San Ramon 24 Hour Fitness, prospecting 8am-10am, then
meeting new client in Walnut Creek 11am.

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Sometimes you need extra cash………

http://www.sanramonexpress.com/news/show_story.php?id=1120

 

Rotary has cash for projects to help others

by Dolores Fox Ciardelli Sometimes it takes a little extra cash to do a lot of good in the community. That's where the Rotary Club of San Ramon steps in to help with grants for worthwhile projects. Nonprofit groups must apply by March 1 for grants from the San Ramon Rotary Foundation. The grants range from $200 to $1,500 and will be awarded by the foundation's grants committee. "It can be more than $1,500 if the grants committee approves it," said Rotarian Sam Parwiz. "We need to get the word out," he added. "We have in the neighborhood of $10,000 to $20,000." Grants will be awarded to groups that make a big impact in the community by meeting a need. The fFoundation does not make continuing or permanent commitments but evaluates requests annually on their merits. Groups must also be ready to account for the use of the money. Grants will be given to groups that will use the money within the year, from July 1, 2010-June 30, 2011. Grant recipients are requested to recognize the Rotary Club of San Ramon in an appropriate manner, and the foundation will list those who receive the grants in press releases and the Rotary publication, Crows Call. Grant recipients in 2008-09 were as follows: Ten (10) Scholarships to High School Seniors Agape Villages Assistance League of Diablo Valley CALDA California High School Robotics Program Contra Costa Firefighters 1230 Del Amigo Continuation High School Diablo Valley College Diablo Valley Veterans Foundation/Sentinels of Freedom Discovery Counseling Center East Bay Diaper Foundation Eugene O'Neill Foundation Golden View School Halleck Creek Ranch Institute Hospice Foundation of East Bay Loaves and Fishes Lucille Glass Mauzy Foundation San Ramon Historic Foundation San Ramon Senior Center Foundation San Ramon Youth Police Academy San Ramon Valley Eating Disorder Support Group Shelter Box USA Wardrobe of Opportunity Grant applications are available at www.sanramonrotary.org. For more information, call Sam Parwiz at 219-5144.

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Marriage is…………

Marriage is the process of finding out what kind of man your wife would have preferred…

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WACHOVIA Loan Modification – Don’t Try To Negotiate!

San Ramon, CA – A real story!

WACHOVIA Loan Modification – Don’t Try To Negotiate!
 

Hello –

I am new here to the forum but I wanted to share my story of my loan modification with Wachovia to help anyone out there who may be in the same or similiar boat. Going through this whole process is a scary thing – almost like walking through a room pitch black, I felt so lost. I hope my experience can help anyone! My first mortgage is with Wachovia. I was in an Option ARM loan and due to the loss of my side business couldn’t even afford the minimum payment. I had tried to modify my loan with them for over a year. Finally things were getting more tough so I decided to short sell. I became late on the payments and not until I was THREE MONTHS LATE, they offered me the MAP Loan Program. Being that I was lost in the whole process, I was trying to get help with going over the terms of the loan. It was a sweet deal (reduction of 20% principal, 3.5% interest only for the first few years, then went up about half a percent each year, eventually capping out at 6.5% for the life of the loan in a 40 year fixed. All late payments and fees waived). I unfortunately missed the deadline to return the signed docs because I was nervous, although it sounded like a sweet deal, I tried to get second opinions on the situation, etc (which I now regret)….so when I called back to turn them in, they made me go through the whole application process again! This time the offer was not as nice. (reduction of 20% principal, 4.75% first three years and up from there capping out at 6.5% for the remainder of the term for 40 years, late fees and back fees waived). Still can’t complain – Although my payments will be almost $500 more a month then the first initial offer, I am hoping that when my property value is reassesed for taxes, this will help drop my payments. I have probably called those people a million times! TRUST ME THEY WILL NOT BUDGE! They say they DO NOT negotiate any terms of any offer whatsover and they are right. I am thankful that I will be able to save my home, but its hard to swallow at the same time. So my advice to anyone working with Wachovia, if what they are offering you the first time works for you, TAKE IT! I talked to a Rep today in the Loss Mitigation VIP Center and he said he has seen that when people do not take the first offer for whatever reasons and try to negotiate for whatever reasons, the bank is giving them worse options… So I hope my experience can help those who are feeling lost in the process. There is hope, keep trying. My home is now 7 months behind on the mortgage. You have time, but don’t wait!!!

If you know someone who needs help please forward this to them.

Sam Parwiz

Real Estate

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I used to buy natural foods, till I found out that most people die of natural causes. lol

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The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance…

Theme Song (Movin’ On Up) by The Jeffersons  
Download now or listen on posterous

TV_Theme_Songs_-_The_Jeffersons_Theme_Song.mp3 (1101 KB)

The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

• To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.
• The tax credit applies only to homes priced at $800,000 or less.
• The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.
• Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

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$8,000 First-time Home Buyer Tax Credit at a Glance

 

• The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
• The tax credit applies only to homes priced at $800,000 or less.
• The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
• For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.
• For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

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Federal Housing Tax Credit: Tax Credits at a Glance

$8,000 First-time Home Buyer Tax Credit at a Glance

• The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer%u2019s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home%u2019s purchase price up to a maximum of $8,000.
• The tax credit applies only to homes priced at $800,000 or less.
• The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
• For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.
• For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

• To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.
• The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer%u2019s principal residence within three years after the initial purchase.
• The tax credit is equal to 10 percent of the home%u2019s purchase price up to a maximum of $6,500.
• The tax credit applies only to homes priced at $800,000 or less.
• The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.
• Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

via federalhousingtaxcredit.com

if you have any questions I will be glad to help and answer them for you. samparwiz@gmail.com

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Kind words from my new client…

Sam,
A brief note of Thanks and appreciation.  Thank you for making it obvious that you sincerely wanted to assist me.  Thank you for not strutting and trying to impress me with your talents and successess.  It is quite clear in our interaction that you are authentic and genuine/real and I do so appreciate that. I look forward to working with you and Mary.  T.

 

Tracy B.

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