Natural disasters are a fact of life. Each area of the country has its own challenges, from hurricanes on the Atlantic and Gulf Coasts to tornados in the Plains and earthquakes in California. Regardless of where you live, it's important to have plans in place to ensure that you and your family are prepared should an emergency arise. Begin by researching which types of events could occur in your community: •Contact local authorities to learn how community alerts are issued and the evacuation routes you will need to follow. •Inquire about emergency plans at work, school, and any other locations that family members frequent on a regular basis. •Determine how to care for your pet(s) since most temporary shelters only permit service dogs to enter. Start by visiting the American Red Cross web... 04/23/2007

From the very start, I will confess some real ignorance at the issue of zoning. Don't get me wrong, I understand that every town, like Apple Valley, Hesperia, Victorville should/must have a master plan. I know that the primary purpose of the current zoning map and future zoning map as part of a master plan protray the planning commissioners concern for seismic issues, streets, highways, easements, height restrictions,districts and the quality of living with buffer zones parks, and medical and shopping issues.  What I am curious about concerning Apple Valley is the direction of the Growth. Where is the better potential for increased value of property?Every investor, is or becomes an expert at the issue of the zoning map. Even a person who just flips property,who by nature of flipping is ... 04/22/2007

Credit cards are a great tool when it comes to building up a good credit history. However, according to a recent report, credit card debt in America reached nearly $800 billion in 2005. How can you obtain the benefits while avoiding the pitfalls? Here are some dos and don'ts: Monitor your balances: Credit card usage and management makes up 30% of your credit score. Keep each account balance below 50% of the available credit limit at all times to maintain your score, and below 30% to improve your score.Read everything: Credit card companies can change the terms of your account at any time with only a simple written notification. Carefully review monthly statements along with any correspondence received throughout the life of the account.Evaluate special rewards programs: Generally, "rewa... 04/22/2007

The effects of the subprime crisis are becoming clearer with each passing day. According to the Wall Street Journal, tightening guidelines and fewer available products are creating challenges for borrowers with credit issues. If you're thinking about taking on or refinancing a mortgage, your credit score will be crucial when it comes to obtaining the best loan program available.For homeowners with ARMs that are scheduled to reset anytime within the next 2 to 24 months, the challenges are even greater. With higher credit standards and tightening guidelines, you may not even qualify for a refinance if you wait too long. At this stage, a fixed-rate product may be your best chance at creating real financial stability before your loan resets and your payment adjusts. Even if your mortgage ha... 04/21/2007

I recieved this outline from one of my Lenders. It is all about High Trust Selling. This is a book written by Todd Duncan. He has also written Killing the sale: the ten fatal mistakes salespeople make and how to avoid them. Here are the Six laws of High Trust Selling:Law 1 - The Law of the Iceberg: The truest measure of your success is invisible to your clients. What you do behind the scenes, the hard work is what makes it look easy in front of the client.Law 2 - The Law of the Summit : Your direction is a result of your perception.Where are you going, Will you lead by the past or the place in the future that you are going to? Law 3 - The Law of the Shareholder: Successful sales people buy stock in themselves. Have you invested in yourself. what courses, time, memorization, training, co... 04/09/2007

Just a list of names.  Some ot them you will know and recoginze others are lesser lights yet maked the history of this town Called Apple Valley. You will remember Clark Gable. and He was an acadamy award winning actor Born 1901 and died 1960. Romance and Rumors about his visits to the Yucca Loma Ranch(a home with a metal sign stands as one of the last remnants of the Yucca Loma Ranch-it is still occupied today) With one Carrol Lombard B1908 -D1942 (she was in over 81 movies a real silver screen actress)Movies Stars and other celebrates have come to Apple Valley. Here is a list: Chuck Connors(The Rifleman, Branded also a Professional Celtic Basketball player, Dean Martin (Teamed with Jerry Lewis and sang Thats Amore when the moon hits your eye like a big pizza pie) Desi Arnas(team player... 04/04/2007

House Master's is a company that performs home inspections.  When it is convenient or needed, I attend a home inspection.  This time the home is a constructed in 1953. I would rather have the surprises now, up front than in the middle of escrow. My clients agreed. We also felt it was important to give the buyer of the home some objective assurances of the present condition. 21510 Pine Ridge Apple Valley is going to get the treatment and the clients are going to get the peace of mind they deserve.The inspection took 4 hours. Scott and Brian of House Master's reviewed the property. I always learn something about homes. Even though my father was in constuction most of his adult life and I learned from him. There is always something about a home that is new especially if it is old.SO WHAT C... 03/20/2007