Artist Reception on Saturday January 24th, 1-3 p.m.!

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Artist Shannon Jurich will have her Asian-inspired work on display in recognition of the lunar new year! Join the Hayward Arts Council and Realty World Neighbors for an afternoon reception at 22392 Foothill Blvd. and 22394 Foothill Blvd. featuring Shannon and other local artists, including handmade jewelry, felted hats, bobbin lace and beautiful handwoven items […]

20150106_155405_resizedArtist Shannon Jurich will have her Asian-inspired work on display in recognition of the lunar new year! Join the Hayward Arts Council and Realty World Neighbors for an afternoon reception at 22392 Foothill Blvd. and 22394 Foothill Blvd. featuring Shannon and other local artists, including handmade jewelry, felted hats, bobbin lace and beautiful handwoven items by Donna Jeffrey.

Refreshments will be provided.

(Also featured will be photography of Singapore’s Sentosans using 1990′s technology by Anna May.)

The post Artist Reception on Saturday January 24th, 1-3 p.m.! appeared first on 365 Things To Do in Hayward, California.

Secrets of the Slides: Thursday, January 22, 6:30 – 8:00 PM

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                    The Hayward Shoreline Interpretive Center is presenting a series of incredible slides recently unearthed in the Interpretive Center storage. View stunning plant and wildlife images as well as several pictures of the old salt-making process. Light refreshments served. CLICK HERE for a list of other […]

 

 

 

 

 

 

 

 

 

 

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The Hayward Shoreline Interpretive Center is presenting a series of incredible slides recently unearthed in the Interpretive Center storage. View stunning plant and wildlife images as well as several pictures of the old salt-making process. Light refreshments served.

CLICK HERE for a list of other upcoming exhibits and events at the Hayward Shoreline Interpretive Center!

The post Secrets of the Slides: Thursday, January 22, 6:30 – 8:00 PM appeared first on 365 Things To Do in Hayward, California.

Movers and Shakers of Hayward

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Pizza for the Homeless Animals!

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Pet Photos With Santa Claus!

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Did you miss SantaCon Hayward last weekend? You can make up for it by bringing your pet to the animal shelter for photos! Proceeds go toward the Hayward Animal Shelter’s spay/neuter programs. The post Pet Photos With Santa Claus! appeared first on 365 Things To Do in Hayward, California.

Did you miss SantaCon Hayward last weekend? You can make up for it by bringing your pet to the animal shelter for photos! Proceeds go toward the Hayward Animal Shelter’s spay/neuter programs. :)Santa Claws photo promotion (2)

The post Pet Photos With Santa Claus! appeared first on 365 Things To Do in Hayward, California.

EAST BAY REAL ESTATE – 2014

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Once again the real estate landscape is changing, as it always does.  Throughout the early months of this year there were not nearly enough homes for sale in all price ranges.  Buyers had to determine how much over the listed price they must offer in order to get a home.  As a result the home […]

Once again the real estate landscape is changing, as it always does.  Throughout the early months of this year there were not nearly enough homes for sale in all price ranges.  Buyers had to determine how much over the listed price they must offer in order to get a home.  As a result the home values went up, up, and up.  That was then, and this is now.  More homes are coming on the market daily and the buyers don’t have to offer in quite the frenzied atmosphere that existed a few short months ago.  To be sure, prices are definitely higher than they were earlier in the year, but the interest rates are still only a little higher than their absolute lows.  Imagine – you can get a 30 year loan for 4.5% or thereabouts.  That certainly takes some of the sting out of the higher prices.  As an illustration – say you purchase a 3 bedroom, 2 bath home  for $450,000. and you can put 20% cash down leaving you with a $360,000. loan that will be paid off over 30 years if you don’t move.  At 4.5% interest your monthly principal and interest payment will be  $1,825; if  interest rates go up to 5.5%, your payment is $2,045, and if they go up to 6.5% the payment  is $$2,279.  And,  keep in mind, 6.5% isn’t even high in historical terms.  The rates will go up, it is just a matter of time.  But you, as a home buyer, can lock in 4.5% interest for 30 years right now.  If your dream and desire is to have a home, now isn’t as good a time as earlier in the year, but it is definitely better than what tomorrow will bring.  Don’t wait to buy if you can buy now.  I believe you will be happy you did.  And, it will be my pleasure to help you find and buy that home.

THE CHANGING LANDSCAPE

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As with everything, change is inevitable.  The frantic feeding frenzi of the first six month of the year is moderating, if ever so slowly.  There are fewer wild bidding events that have left the first time home buyers out in the cold to the investors and flippers that have come in with all cash.  Now […]

As with everything, change is inevitable.  The frantic feeding frenzi of the first six month of the year is moderating, if ever so slowly.  There are fewer wild bidding events that have left the first time home buyers out in the cold to the investors and flippers that have come in with all cash.  Now that there are more homes coming on the market and the prices have escalated dramatically, the buyers will be a little more selective.  “Good” houses will alway be in demand, but the more average or mediocre properties will begin to take a little longer to sell. 

Interest rates have move up a bit and that together with higher  prices will slow the market a little.  Bottom line though, this is still a wonderful time to buy a home.  There are still bargains out there and the wise will step up as buyers.  Real Estate is a premire investment.  If you want to discuss how it can be so for you, please give me a call for an informational meeting.   There is no obligation; the first meeting is free and you can determine if real estate fits your investment or personal housing objectives.

 

Investment in Real Estate

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Last time I wrote about owning your home as an investment.  Today let’s talk about Real Estate as an investment when it is not your home. Real Estate is a vehicle for amassing a large estate.  What makes it particularly attractive is the huge leverage potential.  As an investor, one only needs 20 – 30 […]

Last time I wrote about owning your home as an investment.  Today let’s talk about Real Estate as an investment when it is not your home.

Real Estate is a vehicle for amassing a large estate.  What makes it particularly attractive is the huge leverage potential.  As an investor, one only needs 20 – 30 percent of the purchase price to own and control the whole property.  With stocks and commodities there can be margin calls that require additional capital.  Real Estate does not.  Rare coins, bullion, or stamps are harder to value and depend much more on the whims of the market.  Real estate can lose value, we have seen that, but it will come back after any downturn.  After all, if it is residential real estate that is the investment, people need housing so there is a constant demand for shelter.  A caveat is that your investment will appreciate the most in growing areas of the country.  Where robust economies exist with a diversity of business taking place, this is where the safety and greatest opportunity for your investment to appreciate lies. 

Another great feature of a real estate investment is the ability over time, as appreciation takes place, to exchange it for property of greater value and  defer your capital gains tax to a later day.  This allows most of your gain to be plowed into the new property making it possible to purchase a greater investment property than if you had to pay your taxes at the time of sale. (To be sure you conform to the tax laws surrounding tax deferred exchanges, I strongly suggest that you seek the services of a qualified real estate broker/agent.)

A very strong case for investment in real estate can be made and if you wish to explore it further, I suggest that you contact me, or a broker in the region of your interest, to assist you in making a wise investment.

Real estate investing is a life long endeavor, and prudently engaged in will provide all the money you would ever need for retirement and inheritance for your loved ones.

Home Ownership as an Investment

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Home ownership provides an excellent investment vehicle.  First, we all need a place to live – a shelter for our ourselves and family.  We can rent that shelter, or we can own it.  If we rent it, then we are just buying it for someone else.  There are no tax deduction and we are not free to […]

Home ownership provides an excellent investment vehicle.  First, we all need a place to live – a shelter for our ourselves and family.  We can rent that shelter, or we can own it.  If we rent it, then we are just buying it for someone else.  There are no tax deduction and we are not free to improve our shelter in the way we choose.  So, tax deduction is one benefit of ownership and choice of how to improve our home and make it our own is another.  With only a small percentage down payment, we control the whole property, but the appreciation of value is not on just the money we invested, but on the whole worth of the property.  You could say, “This is the ultimate in investment leverage” and you would be right.

Here in the Bay area, land is at a premium for building homes.  Also, the diversity of the business community all but insures us that property values over the long haul will go up providing an excellent long term investment.  We get to live in and use our investment.  Plus, when we get to our retirement years, we can own all of the home so we don’t have to make a rent payment every month with a more limited income.

All this from choosing to BUY your shelter (home) instead of renting it.  Next time I blog we will look at buying real estate that you don’t live in as an investment.

Contact me with any questions you have, or to begin your greatest long term investment.

WHEN WILL IT END??

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When will what end?  Cheap interest rates, of course.  Nobody know, but there is lots of speculation as to whether it is soon, or many months away.  Whether near of far, interest rates are so low it is almost like borrowing free money.  For instance, borrow $500,000. at 3.375% and the interest charge is only […]

When will what end?  Cheap interest rates, of course.  Nobody know, but there is lots of speculation as to whether it is soon, or many months away.  Whether near of far, interest rates are so low it is almost like borrowing free money.  For instance, borrow $500,000. at 3.375% and the interest charge is only $1406. per month.  Imagine that; a half a million dollars and only 1406. per month. That is a big reason why buyers are scrambling and bidding up the relatively few homes in the lower price ranges that are on the market.

Home Owners:  Now is the time to sell and move up to that larger home that you know would be great for your family.  You are going to have to live somewhere so why not accept the low interest rate gift that the goverment is offering by holding the interest rates down artificially.  Let me find that special home for you that you now can afford, but won’t be able to when the interest rates do go up, and they will.  It’s just a matter of time.

Contact me for a FREE consultation on what is available to you now in this window of time.  It will cost you nothing to gain valuable information on which to base your housing decisions.  REALLY, the cost is nothing but a little of your time.  CALL ME, LET’S TALK!!