Pam Winterbauer

Understanding the Federal Stimulus Bill

Pam Winterbauer — Mon, 23 Feb 2009 23:08:00 GMT

On Tuesday, Feb. 17, President Obama signed into law H.R. 1 also known as the American Recovery and Reinvestment Act of 2009. This bill has several provisions that will directly impact real estate here in Alameda County.

Increased GSE Conforming Loan Limits: This bill raises the conforming loan limits for FHA, Freddie Mac and Fannie Mae loans. While HUD has yet to officially announce the new limits, we estimate that in Alameda County the conforming loan limits for 2009 will be $729,750. Even with the continuing decline in home sale prices throughout many of our communities, prices are still high enough that many buyers have to opt for non-conforming loans with higher interest rates. These higher conforming loan limits will make home ownership more affordable for many buyers in Alameda County and encourage potential home buyers to take advantage of current market conditions.
Homebuyer Tax Credit: Income-eligible first-time home buyers who purchase a home between Jan. 1, 2009 and Dec. 1, 2009 may qualify for an $8,000 tax credit that could be used against their federal income tax liability. Unlike the $7,500 tax credit available to home buyers in 2008, this new credit will not have to be repaid. Additionally, the tax credit may be used in conjunction with other local and state-funded home buyer assistance programs. To view a detailed presentation prepared by NAR's Real Estate Services division about about the tax credit, please click here.
Vacant Foreclosed Property Clean-Up: The Housing and Economic Recovery Act passed earlier this year established the $4 billion Neighborhood Stabilization Program (NSP) and the American Recovery and Reinvestment Act pumped another $2 billion into the NSP. The NSP will use the existing Community Development Block Grant program (CDBG) to provide funding to states and local cities for programs to address urban blight caused by vacant and abandoned foreclosed properties. Locally, the City of Hayward already is making plans for how to use these funds - including purchasing and rehabilitating vacant foreclosed homes then reselling them to low- and moderate-income home buyers.
Residential Energy Efficiency Tax Credits and Grants: According to NAR, this bill provides state and local governments with $6 billion in energy efficiency and conservation grants for energy audits, retrofits and financial incentives. Through 2010, homeowners will be able to claim a 30 percent tax credit for purchases of new furnaces, windows and insulation. Details about this program and how property owners can access the tax credits and grants are not yet available.

Please click here for additional analysis by NAR of the American Recovery and Reinvestment Act.

Foreclosures jump 57 percent in last 12 months

Pam Winterbauer — Fri, 18 Apr 2008 04:19:00 GMT

Foreclosures haven’t yet peaked despite a dramatic 57 percent increase in filings and a 129 percent increase in bank repossessions between March 2007 and March 2008, according to a report issued Tuesday by RealtyTrac. Nevada, California and Florida, respectively, experienced the highest level of foreclosure activity for March 2008, the report said.

MAKING SENSE OF THE STORY FOR CONSUMERS

One of every 538 single-family households in the U.S. experienced some form of foreclosure filing during March, the report said. RealtyTrac officials predict record foreclosure activity in the third or fourth quarter of 2008 as subprime ARMs adjust upward.
In most states, foreclosure occurs in three phases: a Notice of Default is filed after payments are missed, a notice of scheduled auction is filed if steps aren’t taken to remedy the default, and an REO filing occurs when the lender repossesses the property after failure to sell it at auction.
Nevada, California and Florida experienced the highest foreclosure rates. In California, one in every 204 homes was subject to a foreclosure filing in March for a total of 64,711 properties. March filings were up almost 21 percent from February and approximately 106 percent from a year ago March.

To read the full story, please click here: http://money.cnn.com/video/#/video/news/2008/04/15/news.harlow.041508.foreclosure.cnnmoney

Can you tell me where those dang signs go?

Pam Winterbauer — Sat, 22 Mar 2008 04:57:00 GMT

We seem to be in an area where our local cities are adopting sign ordinances on how many and where the Realtors and the public can place their open house signs.

Here is what Bay East Association is posting on the issue and our Local Government Relations Committee will be meeting on Monday mornign the discuss the issue. More to follow.

Sign Ordinance Violations on the Rise: On Monday (3/17), the Bay East Board of Directors held their monthly meeting. One topic that was discussed was the increasing number of illegally-placed open house signs. This is an issue Bay East has been dealing with as the number of homes on the market and the number of open homes increases.

REALTOR® Impact: Open house signs are a key component of most REALTOR® marketing plans. Continued violation of sign ordinances could lead to even more restrictive regulations or the out-right banning of signs.

Next Steps: It is critical that all REALTORS® understand and comply with local sign ordinances. If our profession fails to follow these regulations it is likely that city governments will crack down on violators and, possibly, make their ordinances more restrictive or ban signs completely. Bay East has prepared an easy-to-use summary of sign ordinances for all of the cities in southern and eastern Alameda County. The summary is available online.

Please feel free to chime and let us know what is going on in your area.

Making Your Home More Salable

Pam Winterbauer — Fri, 21 Mar 2008 05:42:00 GMT

Before you put your home on the market, take an impartial look at your property, inside and out. You may have only one chance to pique potential buyers' interest when they view your home, so don't let easily correctable flaws stand in the way.

The NATIONAL ASSOCIATION OF REALTORS® suggests that sellers spend as little as possible on pre-sale repairs and improvements. While new tile might really spark up your kitchen, potential buyers probably won't increase their purchase offers enough to compensate your expenses.

Instead, focus on the small, relatively inexpensive touch-ups that will give your house a polished, well-maintained appearance. A fresh coat of neutral paint in your bedrooms and new cabinet knobs in the kitchen and bathrooms are small changes that buyers will appreciate. Thoroughly clean the insides of appliances and wash and deodorize carpets. In addition, clean out closets and cabinets; this gives your home a more spacious appearance. Check for and repair cracks, leaks and other damage to walls, floors, paint and attic.

You also need to ensure that your home's exterior curb appeal is attractive to buyers. Maintain the upkeep of your lawn, including mowing, watering and weeding. Fertilize and seed your existing vegetation/foliage, but don't plant new shrubs or trees. Examine doors, windows and the overall exterior for peeling paint. Repair loose or damaged roof shingles, siding and caulking.

Your REALTOR® can assist you in recommending specific renovations and touch-ups that will make your house stand out to buyers. He or she should be able to explain expected returns on investments you make to enhance your home's salability.

Get Energy from Good Fats

Pam Winterbauer — Sun, 16 Mar 2008 22:19:00 GMT

I was referred by a good friend who is a Holistic Veterinarian to http://www.trivita.com/. This website has great information and products to improve our health. The one item Ialways take daily is their vitamin B-12 and I feel it really works! Here is a little bit of Tivitas newsletter.

The inside scoop on calories and fats Do you know what a calorie is? It's a measurement of energy. More specifically, it's the amount of potential energy stored in any food we eat. Generally speaking, both protein and carbohydrate foods each contain about four calories per gram. Fats, in comparison, have more than twice the calories and twice the potential energy per gram (note: 28.3 grams=1 ounce). So for long-term energy and stamina, think fats!

Small snacks with powerhouse fats
English walnuts - It takes about 100 calories of energy for me to walk a mile, and about 130 calories to run one mile. A one-ounce serving of English walnuts (about 7 pieces) provides 180 calories of energy - that's enough fat energy for me to walk nearly two miles or to run 1¼ miles! Plus, walnuts are very high in Omega-3 fats.

Avocado - It takes about 250 calories of energy for me to ride a stationary bicycle for 30 minutes (average speed 10 mph). That's about the amount of energy in a small avocado, a very delicious fruit containing high levels of beneficial fats.

Green olives - It takes about 140 calories for me to swim 20 laps in the pool. That's about the same amount of energy found in a small serving of green olives (my favorites!). The olive oil is beneficial for your heart and brain, as well as serving as a natural antibiotic. It is one of the most healthful oils for your body and like other sources of fat, it's filled with lots of potential energy.

Calories in, calories out

For any single day, whenever you don't use up all the food energy you consume, the excess energy is stored in fat cells as triglycerides. In other words, you gain fat. Conversely, whenever you use up more energy in a day than you consume, that deficit will likely be taken from fat stored in fat cells (the exception to this is when you are under severe stress). Here, you'll lose fat, which is a very good thing for most North Americans.

The good, the bad and the uglyFats contain more than twice as much potential energy as protein and carbohydrates. For instance, Omega 3 fats are absolutely vital for your brain and heart - so much so that a neurologist said that "Omega-3 is to the brain what calcium is to the bones." Some sound advice: eat small portions of good fats every day and eat more fat when you need more energy - for instance, on a long hike.

Certain good fats are not found in the diets of people in developed countries. Or, at the very least, they are not eaten with the same regularity as they were in past times. If we do not have enough good fats in our diet, our health will suffer in many ways. The internal organs and hormones made up from these fats will not function correctly. Our brain will literally shrink without good fats. We will have blood sugar and hormone imbalances. We may even have a heart attack without enough good fats. Therefore, it's important that we select a good balance of fats in our diet and also include a high quality, Omega essential fatty acid supplement. Omega-3 supplements are perhaps the most important supplement we can take.

Some fats are inherently bad. No matter what foods they're found in they are always bad for you. Both trans-fats and hydrogenated fats fall into this category. Never eat them. Fortunately, neither of these fats occur in nature. So, as long as you are eating whole foods that have not been processed or over-cooked, you are unlikely to be poisoned by these bad fats.

Finally, as with all foods, you can over-consume even the good fats - it's like getting too much of a good thing. This is the ugly side of dietary fats. High fat foods provide a lot of energy. If you do not plan to burn off that energy, be sure to eat very little of these foods. Otherwise, unused stores of excess energy will appear in ugly places!

St. Patrick's Day History, Legends, Trivia, and Information

Pam Winterbauer — Sat, 15 Mar 2008 06:08:00 GMT

St. Patrick's Day is fastly approaching and I went on the search to find out more about him and why the date is celebrated and here is what I found.

Who is St. Patrick Anyway?
According to the World Book, St. Patrick lived about 389-461A.D., and is the patron saint of Ireland. Patrick was chiefly responsible for converting the Irish people to Christianity. He became known as the Apostle to the Irish. His Latin name is Patricius.

Patrick was born in Britian. His father was a wealthy alderman and a Christian. When Patrick was 16 years old, pirates captured him during a raid and sold him as a slave in Ireland. He served as a shepherd of an Irish Chieftain in Ulster. During his captivity, he dedicated himself to religion. After 6 years of slavery he escaped and returned home to Britian.

As a result of his experiences in Ireland, Patrick became driven by the idea of converting the Irish to Christianity. To prepare himself for the task, he studied in the monastery of Lerins, an island off the coast of France. He also went to Auxerre, France and studied religion under Saint Germanus, a French Bishop. Partly because Patrick's earlier education was inadequate, his religious superiors were reluctant to let him return to Ireland as a missionary. After Palladius, the first Irish missionary bishop died in 431, Pope Celestine I sent Patrick to Ireland.

Patrick began his work where no one had ever preached Christianity. He gained the trust and friendship of several tribal leaders and soon made many converts. He is said to have founded more than 300 churches and baptized more than 120,000 people. He brought clergymen from England and France for his new churches. He succeeded in his mission to Ireland, even though many British clergymen opposed him and the way he organized the churches. Patrick preached in Ireland for the rest of his life.

Several of Patricks writing have survived and serve as the most important sources of information about his work and life. Patrick wrote "Confession", an account of his spiritual developement. In it he justified his mission to Ireland, and expressed his humility and thankfulness that God had called him to serve the Irish. Patrick also wrote a letter to Coroticus, in which he criticized a raid on Ireland conducted by Coroticus, a British chieftain. During the raid, several of Patrick's converts were killed. The letter also reflects Patrick's resentment of the scornful attitude of British clergymen and nobility toward the Irish.

Where is St. Patrick Buried? One legend has it that he was buried in the same grave as St. Bridget and St. Columba, at Downpatrick, County Down. The jawbone of St. Patrick was believed to be preserved in a silver shrine and was often requested in times of childbirth, epileptic fits and as a preservative against the evil eye. Another legend says St. Patrick ended his days at Glastonbury and was buried there. The Chapel of St. Patrick still exists as part of Galstonbury Abbey. There is evidence of an Irish pilgrimage to his tomb during the reign of the Saxon King Ine in A.D. 688, when a group of pilgrims headed by St. Indractus were murdered. The great anxiety displayed in the middle ages to possess the bodies, or at least the relics of saints, accounts for the many discrepant traditions as to the burial places of St. Patrick and others.

Legends about Patrick:

Many of the stories about Patrick are based only on legends.

One of the best known tales tells how he charmed the snakes of Ireland into the sea so that they drowned. Different tales tell of his standing upon a hill, and using a wooden staff, drove the serpents into the sea, banishing them forever from the shores of Ireland. One legend says that one old snake resisted, but the saint overcame it by cunning. He is said to have made a box and invited the reptile to enter. The snake insisted the box was too small and the discussion became very heated. Finally the snake entered the box to prove he was right, whereupon St Patrick slammed the lid and cast the box into the sea. While it is true there are no snakes in Ireland, chances are that there never have been snakes since the time the island was separated from the rest of the continent at the end of the ice age. As in many old pagan religions serpent symbols were common, and possibly even worshipped. Driving the snakes from Ireland was most likely symbolic of putting an end to that pagan practice.

According to another tale, Patrick used a three-leaf shamrock to illustrate the idea of the Trinity. Many people believe the shamrock came to be the traditional symbol of Ireland as a result of this legend. Today, his feast day, March 17th is celebrated as a national holiday in Ireland.

St. Patrick also introduced the Roman alphabet and Latin literature into Ireland. After his death, about 461AD, Irish monasteries flourished as centers of learning.

Compton's Encyclopedia adds that despite a constant threat to his life, Patrick traveled widely, baptizing, confirming, preaching and building churches and monasteries. Patrick succeeded in converting almost the entire population of the island. His "Epistola" pleads the case of the Christian Irish at the hands of their British conquerors. Patrick's writings have come to be appreciated for their simplicity and humility.

The Shamrock

The shamrock (at one called the "Searoy" is a type of small herb with leaves made up of three leaflets, and is the common name for any of several three-leafed clovers native to Ireland. The Irish have considered shamrocks as good luck symbols since earliest times, and today many people of other nationalities have adopted that belief. It has become the national symbol of Ireland, because of the legend that St. Patrick used it to illustrate the doctrine of the Trinity.

Preaching in the open air on the doctrine of the trinity, he is said to have illustrated the existence of the Three in One by plucking a shamrock from the grass growing at his feet and showing it to his congregation. It symbolizes the cross and blessed trinity.

The legend of the shamrock is also connected with that of the banishment of the serpent tribe from Ireland by a tradition that snakes are never seen on trefoil and that it is a remedy against the stings of snakes and scorpions. The trefoil in Arabia is called shamrakh and was sacred in Iran as an emblem of the Persian triads. The trefoil, as noted above, being a sacred plant among the Druids, and three being a mystical number in the Celtic religion as well as all others, it is probable that St. Patrick must have been aware of the significance of his illustration.

The Leprechaun

The Leprechaun is an Irish fairy. He looks like a small, old man (about 2 feet tall), often dressed like a shoemaker,with a cocked hat and a leather apron. According to legend, leprechauns are aloof, unfriendly, live alone, and pass their time making shoes. They also possess a hidden pot of gold. Treasure hunters can often track down a leprechaun by the sound of his shoemaker's hammer. If caught, he can be forced (with the threat of bodily violence) to reveal the location of his treasure, but the captor must keep their eyes on him every second. If the captor's eyes leave the leprechaun (and he often tricks them into looking away), he vanishes and all hopes of finding the treasure are lost. Legend has it that you can find the leprechaun and his pot of gold at the end of a rainbow.

Murky Housing Market

Pam Winterbauer — Sat, 15 Mar 2008 06:05:00 GMT

While low interest rates and depressed home prices have started to attract entry-level home buyers, the typical home in San Diego County remains out of reach for the average family.

MAKING SENSE OF THE STORY FOR CONSUMERS

· Bleak economic news is usually followed by a downward turn in mortgage interest rates, but despite some fairly poor news this week about banks selling securitized loans at fire sale prices, the overall average of 30-year fixed-rate mortgages eased by just two basis points (.02 percent). The fact that news that would usually produce a significant decline in mortgage rates instead preceded only a modest drop could be a sign that rates may soon go up. Consumers should take advantage of low interest rates while they last.

· According to home-finance corporation Freddie Mac, U.S. house prices have climbed 6.2 percent a year over the past 30 years.

· The recently passed economic stimulus package raised the conforming loan limit to up to $729,750 in some areas. So-called "expanded conforming" loans should provide some borrowers with an opportunity to finance or refinance at lower rates than the jumbo market may currently offer, provided borrowers can meet the guidelines for a conforming loan, which are usually more restrictive than jumbo market underwriting criteria.

Extracted from CAR Market Matters

Best Time to Buy in Four Years

Pam Winterbauer — Fri, 14 Mar 2008 04:41:00 GMT

Home values have declined across the country, giving homebuyers the best buys they've had since 2004.

NEW YORK (CNNMoney.com) -- It may be the best time to buy a house in more than four years.

Home prices have dropped so quickly and so far that valuations - the difference between what a home should cost and its actual price - are the lowest they've been since 2004, according to a report.

The Cleveland-based bank National City Corp. (NCC, Fortune 500), together with financial analysis firm Global Insight, revealed Tuesday that more than 88% of the 330 housing markets surveyed showed price declines and improved affordability during the last three months of 2007.

Housing rescue: What you need to know

"Housing valuations are almost back to long-term norms," said National City's chief economist, Richard DeKaser. He called current affordability "the best in the past four years."

But DeKaser cautioned that home prices could fall even further.

"This isn't to say home price declines are over," he said. "We could move below historic norms. By the end of 2008, housing markets could be broadly under valued."

Prices still improving

There are still 21 housing markets, or 6% of those surveyed, that are severely over valued, including Atlantic City and Madera, Calif. That's down from 56 overvalued markets at the peak of the housing bubble in 2006.

The report compares actual median home prices with what the authors determine are proper home values based on population density, relative income levels and interest rates, as well as historically observed market premiums or discounts, to determine whether markets are over or under valued.

The report also factors in market intangibles that make some areas more desirable places to live, and more expensive.

"Declines are no longer confined to once-frothy markets," said DeKaser.

The survey covered home valuations during the last three months of 2007, but DeKaser pointed out there's reason to believe that valuations are even more favorable for buyers today.

Price declines have continued into 2008 and interest rates, although they have inched up lately, have been steady or lower compared to late last year. There have even been wage gains; personal income rose 0.5% in December. Soaring foreclosure rates have added inventory to many housing markets, depressing home prices further.

The biggest gains in affordability occurred in California, Michigan and Florida, which are areas that have also been some of the hardest hit by foreclosures. Those states registered 43 of the 50 biggest price declines.

Bend, Ore. currently tops the overvaluation list. Home prices there were judged to be about 59% higher than their fair-market value. Miami, despite a median home price decline of 5.7% last year, is the most overvalued big city, by 44%.

All the best bargains were found in Louisiana and Texas. Houses in Houma, La. were under valued by 31.2%, according to the report. Dallas was the most undervalued big city, by 30%.

Compliments of CAR Market Matters

Buyers jump into murky housing market

Pam Winterbauer — Fri, 14 Mar 2008 03:34:00 GMT

While low interest rates and depressed home prices have started to attract entry-level home buyers, the typical home in San Diego County remains out of reach for the average family.

MAKING SENSE OF THE STORY FOR CONSUMERS

· According to home-finance corporation Freddie Mac, U.S. house prices have climbed 6.2 percent a year over the past 30 years.

Extracted from CAR Market Matters

The East Bay - The Sunny Side of the Bay

Pam Winterbauer — Thu, 13 Mar 2008 10:24:00 GMT

The East Bay is an ideal place to relocate to, there is diversity in everything from housing to food to climate. it is one of the most beautiful areas of California and everything is within a couple hour drive.

The East Bay is a made up of two counties, Alameda and Contra Costa, as well as the TriValley region which includes the San Ramon Valley which is located along I-680/580 and is one of the premeire areas in Northern California.

The greater San Francisco Bay Area counties include Contra Costa, Napa, Sonoma, Solano, Alameda, Santa Clara, Marin, San Benito, Santa Cruz, San Francisco and San Mateo.

Buying Real Estate in California affords you the most in terms of lifestyle, job opportunities and real estate. The area consists of several micro-markets within the East Bay and many have weathered the recent housing market challenges.

California's East Bay-Where the Sun Shines! If you are considering relocating you may want to consider the the San Ramon and Tri- Valley area. The weather is warm, lot's of activities to choose from whether you are a family, single or a couple looking for that place to enjoy. The schools are among the best in California.

If you are thinking about buying in the East Bay or even considering selling or moving up, give me a call to assist you with the process.

What is a CMA and Why Do you Need One?

Pam Winterbauer — Thu, 13 Mar 2008 04:48:00 GMT

CMA is real estate shorthand for "Comparative Market Analysis." A CMA is a report prepared by a real estate agent providing data comparing your property to similar properties in the marketplace.

The first thing an agent will need to do to provide you with a CMA is to inspect your property. Generally, this inspection won't be overly detailed (she or he is not going to crawl under the house to examine the foundation), nor does the house need to be totally cleaned up and ready for an open house. It should be in such a condition that the agent will be able to make an accurate assessment of its condition and worth. If you plan to make changes before selling, inform the agent at this time.

The next step is for the agent to obtain data on comparable properties. This data is usually available through MLS (Multiple Listing Service), but a qualified agent will also know of properties that are on the market or have sold without being part of the MLS. This will give the agent an idea how much your property is worth in the current market. Please note that the CMA is not an appraisal. An appraisal must be performed by a licensed appraiser.

The CMA process takes place before your home is listed for sale. This is a good assessment of what your house could potentially sell for.

CMAs are not only for prospective sellers. Buyers should consider requesting a CMA for properties they are seriously looking at to determine whether the asking price is a true reflection of the current market. Owners who are upgrading or remodeling can benefit from a CMA when it's used to see if the intended changes will "over-improve" their property compared to others in the neighborhood.

Why Buy a Home in Today's Market

Pam Winterbauer — Thu, 13 Mar 2008 04:34:00 GMT

1.) Interest rates on long-term, fixed, and adjustable mortgages are at historically low levels. The rate on a 30-year, fixed mortgage is hovering just below 6 percent, while, by comparison, interest rates were hitting 8 percent and higher during the last market downturn in the late 1990s, and were between 10 and 12 percent at the height of the last housing boom in the 1980s. Lower interest rates make it easier to qualify for a loan, and your monthly payments are more affordable.

2.) No one can put a price on the intrinsic value of homeownership. Home prices also reflect financial worth and, the good news is, across California the median sales price for a single-family home has been consistently rising for several decades. In short, housing remains a solid, long-term financial investment. While the pace of home appreciation has slowed over the last year, historical data suggest home prices will continue to appreciate over time. The projected median home price for a single-family home in California in 2008, for example, is $553,000. By comparison, the median price in 2000 was $241,350; $193,770 in 1990, and $99,550 in 1980. (source: C.A.R.)

3.) The length of time a home remains on the market before it is sold has increased from roughly two weeks in 2004 to between eight and nine weeks in 2007. According to the unsold inventory index provided by the CALIFORNIA ASSOCIATION OF REALTORS®, it would take 16.3 months to sell all the homes on the market at the current sales pace, compared with 6.4 months in 2006. With more homes on the market for longer periods of time, you have more choices when it comes to selecting a home today.

4.) The multiple-offer frenzy that dominated the latest housing boom has subsided, and there is less pressure on today's home buyers to outbid one another. REALTORS® in California reported that in 2007 only 28 percent of homes sold had multiple offers, compared with 57 percent in 2004. (source: C.A.R.)

5.)The credit industry crisis that has made securing a home loan difficult for many has led to
heightened scrutiny of mortgage lenders. As a result, state and federal agencies have created
protections for home buyers that were not in place a year ago. The U.S. Federal Reserve, for example, has proposed a plan to require lenders to confirm a borrower's ability to afford a mortgage before making a loan and establishing guidelines for explaining subprime loan terms in order to better educate buyers. Many new public education and awareness campaigns, such as Freddie Mac's "Don't Borrow Trouble®" campaign, have been developed to help you achieve the dream of homeownership without the financial risks that led so many borrowers into trouble in recent years.

Buying a home in today's market may be challenging, particularly for those with credit problems or little saved to put toward a down payment. But there are many factors impacting the current housing market that make buying a home today a viable option.

Information compliments of the California Association of Realtors

Just for Fun

Pam Winterbauer — Wed, 12 Mar 2008 06:05:00 GMT

I have been researching information on alternative products that work for a variety of reasons!

Did You Know That?

1. Drinking two glasses of Gatorade can relieve headache pain almost immediately -- without the unpleasant side effects caused by traditional "pain relievers."

2. Did you know that Colgate toothpaste makes an excellent salve for burns?

3. Before you head to the drugstore for a high-priced inhaler filled with mysterious chemicals, try chewing on a couple of curiously strong Altoids peppermints. They'll clear up your stuffed nose.

4. Achy muscles from a bout of the flu? Mix 1 Tablespoon of horseradish in 1cup of olive oil. Let the mixture sit for 30 minutes, then apply it as massage oil, for instant relief for aching muscles.

5. Sore throat? Just mix 1/4 cup of vinegar with 1/4 cup of honeyand take 1 tablespoon six times a day. The vinegar kills the bacteria, also try gargling with warm salt water.

6. Cure urinary tract infections with Alka-Seltzer. Just dissolve two tablets in a glass of water and drink it at the onset of the symptoms. Alka-Seltzer begins eliminating urinary tract infections almost instantly -- even though the product has never been advertised for this use. (Note:Alka-Seltzer PlusCold Medicine is not the same and contains aspirin, which can cause stomach bleeding if you have ulcers.)

7. Honey remedy for skin blemishes... Cover the blemish with a dab of honey and place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and speeds healing. Works overnight.

8. Listerine therapy for toenail fungus... Get rid of unsightly toenail fungus by soaking your toes in Listerine mouthwash. The powerful antiseptic leaves your toenails looking healthy again.

9. Easy eyeglass protection... To prevent the screws in eyeglasses from loosening, apply a small drop of Maybelline Crystal Clear nail polish to the threads of the screws before tightening them.

10 Coca-Cola cure for rust... Forget those expensive rust removers. Just saturate an abrasive sponge with Coca Cola and scrub the rust stain. The phosphoric acid in the coke is what gets the job done.

11. Cleaning liquid that doubles as bug killer... If menacing bees, wasps, hornets, or yellow jackets get in your home and you can't find the insecticide, try a spray of Formula 409. Insects drop to the ground instantly.

12. Smart splinter remover... just pour a drop of Elmer's Glue-All over the splinter, let dry, and peel the dried glue off the skin. The splinter sticks to the dried glue.

13. Hunt's tomato paste boil cure.... cover the boil with Hunt's tomato paste as a compress. The acids from the tomatoes soothe the pain and bring the boil to a head.

14. Balm for broken blisters... To disinfect a broken blister, dab on a few drops of Listerine .. a powerful antiseptic.

15. Heinz vinegar to heal bruises... Soak a cotton ball in white vinegar and apply it to the bruise for 1 hour. The vinegar reduces the blueness and speeds up the healing process.

16. Kills fleas instantly. Dawn dish washing liquid does the trick. Add a few drops to your dog's bath and shampoo the animal thoroughly. Rinse well to avoid skin irritations. Goodbye fleas.

17. Rainy day cure for dog odor... Next time your dog comes in from the rain, simply wipe down the animal with Bounce or any dryer sheet, instantly making your dog smell springtime fresh.

18. Eliminate ear mites... All it takes is a few drops of Wesson corn oil in your cat's ear. Massage it in, then clean with a cotton ball. Repeat daily for 3 days. The oil soothes the cat's skin, smothers the mites, and accelerates healing.

19. Quaker Oats for fast pain relief.... It's not for breakfast anymore! Mix 2 cups of Quaker Oats and 1 cup of water in a bowl and warm in the microwave for 1 minute, cool slightly, and apply the mixture to your hands for soothing relief from arthritis pain.

20. Get rid of Ants by spreading Baby Powder around the areas ants like to invade.

San Ramon Community Activities

Pam Winterbauer — Tue, 11 Mar 2008 20:38:00 GMT

Here is the list of upcoming activities for the San Ramon Area.

Aquatics

Spring Break Recreation Swim
at the San Ramon Olympic Pool

The San Ramon Olympic Pool & Aquatic Park will be open in the afternoon for children and families during Spring Break. Come to the pool and enjoy the play pool, recreation swim pool, and water slide.
Mon-Fri March 24 – 28 1 - 4pm
>>Click Here to Learn More

Community News

-->

Enrichment

Mad Science Preschool Workshops
Let’s Get Growing Spring Break Camp!
In this camp preschoolers will learn all about how their gardens grow, from the very first seedling, to the important roles of sun and rain, to the amazing plants and flowers that sprout and bloom.
Ages 3.5 - 5 Mon-Fri 3/24 - 3/28 9:00am-12:00pm
5 Classes $200(R)/$250(N)
SRCC Act# 53867
>>Click Here

Spring Break Lunch Connection at Central Park
The Spring Break Connection allows kids in the spring break camps at the San Ramon Community Center at Central Park, 1st – 5th grade, to participate in their favorite morning camp and then connect to afternoon camps for a full day of FUN! Enthusiastic staff will meet each child at the conclusion of their morning camp, use an hour for a monitored lunch and then check them into their program afternoon camp. Please send your child to camp with a lunch for the connection.
Grades 1-5
Mon-Fri 3/24-3/28 12-1pm
5 Classes $20(R)/$25(N)
SRCC Act# 54254
>>Click Here

Word Power
Instructor: Berkeley Academics Staff
Using a variety of learning and memorization techniques, students will build an extensive vocabulary. Words will be ingrained through writing, testing, drilling and visual aids. Students will memorize new words and learn to use those words in their correct context. There is a $10 supply fee payable to the instructor on the first day of class.
Grades 1-5
Mon-Fri 3/24-3/28 9:00am–10:20am
5 Classes $179(R)/$224(N)
SRCC Act# 53822
>>Click Here

Math Whiz
Instructor: Berkeley Academics Staff
Practice makes perfect. Through drills and supplemental worksheets, students will enhance their speed and accuracy in math. With assistance from tutors, each student will work at his or her own pace to target areas that need improvement. There will be a $10 supply fee payable the instructor on the first day of class.
Grades 1-5
Mon-Fri 3/24-3/28 10:30am–11:50am
5 Classes $179(R)/$224(N)
SRCC Act# 53824
>>Click Here

Essay Writing Lab
Instructor: Berkeley Academics Staff
Learning how to write an effective multiple-paragraph essay is an essential skill for future academic success. In this course, students will learn how to arrange paragraphs to develop an idea, with attention to unity, coherence, sentence fluency, transitional devices, and logical procession. With immediate instructor feedback, students will improve their writing through a multiple revision process and receive necessary grammar, usage, style, and word choice assistance. There is a $10 supply fee payable to the instructor on the first day of class.
Grades 1-5
Mon-Fri 3/24-3/28 1:00pm–2:20pm
5 Classes $179(R)/$224(N)
SRCC Act# 53825
>>Click Here

Critical Reading
Instructor: Berkeley Academics Staff
Students will learn effective critical reading skills. Reading through a wide variety of excerpts taken from different genres, students will strengthen their analytical abilities by answering multiple questions on the excerpts. Students will learn to identify both main points and specific details within the text. There is a $10 supply fee payable to the instructor on the first day of class.
Grades 1-5
Mon-Fri 3/24-3/28 2:30pm–3:50pm
5 Classes $179(R)/$224(N)
SRCC Act# 53826
>>Click Here

LEGO Camp
Instructor: Play-Well TEKnologies Staff
Explore concepts in physics, mechanical and structural engineering, and archi-tecture while playing with your favorite creations. This is a hands-on and minds-on class suitable for LEGO novices to ‘maniacs.’ This class is not affiliated with the LEGO Group.
Grades 1-5
Mon-Thu 3/24-3/27 9:00am–12:00pm
4 Classes $217(R)/$271(N)
Crow Canyon Gardens Act# 54085
>>Click Here

BandWorks
School of Rock Camp
Instructor: BandWorks Staff
Awarded Best of the Bay 2007. Play in a rock band and perform for family & friends! You’ll gain self-confidence, learn to work together and develop music skills. Some music experience recommended. Bring instrument & amp, except drums & piano. A $50 materials fee payable to BandWorks on the first day of class.
Mon-Fri 3/24-3/28
$250 (R)/$313(N) SRCC
Ages 7-10 9:00am–12:00pm Act# 52918
Ages 10-12 1:00pm–4:00pm Act# 52919

Chess Camp
Instructor: Berkeley Chess School
Chess Camp is fun and learned quickly and easily. Studies have found that the hidden rewards for students of chess are surfacing on test results in reading, science and math along with findings that indicate growth in critical cognitive abilities such as deducing, hypothesizing, strategic thinking, logic and judgment. Beyond academia, chess influences social behavior, including self esteem, respect for others, patience and the old fashioned notion of good manners. Berkeley Chess School is a nonprofit organization affiliated with the U.S. Chess Federation. Are you looking for something for your child to do during conference week that offers CHALLENGE, EXCITEMENT, A CHANCE TO MAKE NEW FRIENDS and is just plain FUN? Come to the Berkeley Chess School (BCS) chess camp! Emphasis is on the joy of the game but with a serious eye to the student’s progress.
Grades 1-5 Mon-Fri 3/24-3/28 9:00am–12:00pm
5 Classes $199(R)/$249(N)
DSCC Act# 53233
>>Click Here

Clay Sculpture Camp
Instructor: Sabine Brunner
Create a clay world of your own. Five days of hand building, sculpting and coloring a fantasy world with animals and people. This camp will teach your child how to transform their imagination into clay sculptures and includes the complete process of creating ceramics from wet clay to shiny colorful glazed pieces of art. There is a $20 materials fee payable to the instructor on the first day of class.
Grades 1-5
Mon-Fri 3/24-3/28 10:00am–12:00pm
5 Classes $124(R)/$155(N)
DSCC Act# 52920
>>Click Here

Mad Science Spring Break Camps
Grades 1-5
Mon-Fri 3/24-3/28 SRCC
Secret Agent Camp
The Mad Science Secret Agent Camp is a fun journey into the world of detection, spy science, and forensics. Campers will examine the science behind the spy tools made famous by the world’s greatest spies! We will reconstruct activities using scientific methods and use the science of cryptology to send and decode secret messages. Kids will get a chance to see what can’t be seen by the naked eye and will follow in Sherlock’s steps to lean what tracks can tell us! Join the Mad Science Bureau of Investigations to help foil a burglary using state-of-the art security techniques!
9:00am-12:00pm Act# 52921

Crazy Chemistry
We’ll explore and create exciting chemical reactions, make colorful concoctions and bubbling brews. Amaze yourself with magical temperature changing baggie science or growing ghost crystals. Study the chemistry involved in not-so-simple things like chalk and soap, and even experiment with the chemistry used by artists, spies and detectives! Chemist bring home a project each day.
1:00pm-4:00pm Act# 52922

Performing Arts

Hands on Magic Spring Break Camp
Instructor: Leo Luna
Come and learn some of the tricks of the trade at this magic camp where you will learn from a professional magician. Final class will feature a short magic show for family and friends. $20 lab fee payable to the instructor at the first class meeting.
Mar 24-Mar 28, 5:00pm-6:00pm $74(R)/$89(N) DSCC
>>Click Here

KTS Spring Performing Arts Camp
Instructor: Kids Take The Stage
And now for something completely different! In this year's Spring Drama Camp our young artists will have the opportunity to perform songs and dances from some of Broadway' s biggest muscials: Wicked, Hairspray, and Rent! $20 Lab fee payable to instructor on the first class meeting.
Mar 24-Mar 28, 8:30am-6:00pm $375(R)/$474(N) DSCC
>>Click Here

Sports

Skate Boarding Camp
Are you up for an intense week of skate boarding? Then this fun-filled, instruction packed Skate Boarding Camp is what you need. Learn the basics of safety, how to get on your board and the latest tricks techniques from our Parks & Community Services Staff!
Ages 5 - 12
Mon-Fri 3/24 - 3/28 9:00am-12:00pm
5 Classes $125(R)/$156
San Ramon Skate Park Act# 53287

On the Ball Basketball Camps

On the Ball Sports – Basketball Camp is directed by Ohlone College head men’s basketball coach John Peterson and his talented staff. Coach Peterson brings with him a wealth of teaching experience. Coach Peterson and/or his staff will cover offensive & defensive concepts in addition to 3 on 3 and 5 on 5 games. All participants will take part in drills and games each day and will receive a shirt at the conclusion of the camp.

On the Ball Volleyball Camps

Jamie Cortes, head volleyball coach at Ohlone Callege, will direct this weeklong volleyball camp focused on skills, drills and games. Coach Cortes has vast experience both playing and coaching at the high school, collegiate and national levels. Staff will be comprised of current and former collegiate players with a camper to coach ratio of 8:1. All participants will receive a camp t-shirt.

Skyhawks Flag Football Camp

Skyhawks Sports Academy is offering flag football camp which will introduce the core skills of passing, catching and de-flagging or defensive positioning – all presented in a fun and invigorating training environment. The week ends with the Skyhawks Bowl – a chance for athletes to showcase new and refined skills. These programs are designed for beginner to intermediate level players. Not recommended for advanced athletes. The participant to coach ratio is approximately 15:1. Campers receive a football, T-shirt and merit award. Bring water and snacks.

Skyhawks Mini-Hawk Camp

Mini-Hawk programs allow young children to explore soccer, baseball, and basketball in a day-program setting. There is no pressure—just lots of fun while these young athletes participate in all three sports, soccer, basketball and baseball, through unique Skyhawks games. Our Mini-Hawk coaching staff is trained to meet the specific needs of young children and is committed to helping them start off on the right foot as they venture into athletics. The participant to coach ratio is approximately 10:1. Campers receive a mini-ball, T-shirt and merit award. Bring plenty of water and a snack.

Stick School Lacrosse Camp

The beginner course is for children with little to no experience playing lacrosse. Students will be taught history, rules and basic stick skills through age appropriate recreational style activities designed to instill knowledge and confidence. All equipment is provided for this non-contact class promoting fun, fitness and fundamentals! Participants will be divided based on age and skill level. Each camper will receive a shirt.

WSM Soccer Academy

Terry Weekes, director of coaching and player development for the San Ramon Soccer Club, and the senior staff of San Ramon Soccer will direct a week long developmental program for recreational and competitive players. This camp will provide a great opportunity for all players to further develop their skills and enjoyment of the game. The camp will be held indoors and each participant will receive a camp t-shirt.

Tennis Camps

Youth Beginning/ Intermediate: This camp teaches the fundamentals and is perfect for beginners and intermediate players. The program includes drills, contests, games, scoring, mini matches and tournaments. Bring a new unopened can of Penn or Wilson balls.

Youth Advanced: This intensified tennis training camp is challenging and for more advanced players who will be grouped according to ability for instruction drills and match play. Tournaments, singles and doubles highlight the program. Bring a new unopened can of Penn or Wilson balls.

The Moving Timetable

Pam Winterbauer — Tue, 11 Mar 2008 03:11:00 GMT

4 weeks before the move

Do-it-yourself movers -- line up access to packing materials such as furniture pads, hand truck, dolly, packing tape (to tape doors closed and cords up), nylon packing string and rope, scissors, markers and utility knife. And, begin packing.
Clean or repair any appliances that need it
Use up perishables -- such as food in the freezer
Transfer all prescriptions to your new pharmacy
Change any magazine subscriptions
Make copies of important documents: school records, insurance, driver's registration, etc.
Have rugs and drapes cleaned and keep them in bags until the mover arrives
Collect all items being repaired, cleaned or stored

4 days before the move

Pack suitcases for the trip to your new house. Put in extra clothes for emergencies.
Pack an "Instant Aid" box containing things you'll need upon arrival: sponges, paper towels, laundry detergent, paper plates, toothpaste, light bulbs, hammer, trash bags, hand soap, toilet paper, scissors, utility knife, coffee cups, tea kettle, snacks, pencils and paper, masking tape, bath towels and shelf-lining materials
Defrost the refrigerator and freezer so they can dry at least 24 hours before the new owners arrive
Make an inventory of every item and box to be loaded onto the truck
Set aside valuables and legal documents to go with you, not the van
Take the telephone directory with you as well as important telephone numbers
Contact your local post office and arrange to have your mail forwarded to your new address

1 day before the move

Point out to packers any extra-fragile items needing special attention. Mark any items you do not want moved. Remember movers pack everything -- even the garbage.
Leave mirrors and pictures on the wall for the movers to pack
Leave beds assembled; take off sheets and blankets
Unplug all TV sets 24 hours in advance so they will be at room temperature the day of the move. Moving a set in which heat is retained could damage internal parts.
Do-it-yourself movers finish packing

Moving-out day

Do-it-yourself movers should pick up the truck early
If using movers, use your inventory list to ensure that all items are loaded on the truck
Let the mover know where you can be reached
Before you sign it, read the bill of lading. Keep it in a safe place until furnishings are delivered, charges are paid and claims are settled.

Moving-in day

Check items off your list as the movers are unloading them
Make sure utilities are hooked up
Be on hand to answer questions, make necessary payment arrangements, give directions and examine your furnishings