Day 14 Thankful Challenge Grateful to ActiveRain Member - Cheryl Ritchie Saturday morning my computer crashed. Out of the blue, McAfee sent me a message that a "trojan virus" had been removed!" Ahhhhhhhhhhhh! Next, I get a message that says "???Something is trying to enter computer" so I ignored the message and shut down the computer but alas it was too late because as I re-started the computer, the Microsoft box sent me a big green and white box that said to click to fix. Even I am smart enough to know that is a virus who is either going to take over or get a credit card from me. My husband came to the rescue and after restarting it 6 times, determined it had to go in to be cleaned out and backed up! So into the shop it went right then. My biggest concern was that I would not be able t... 11/14/2012

Wells Fargo Bank Sending Refund Checks to Many FHA Loan Borrowers On 10/27/2012, L.A. Times reported that Wells Fargo is sending out Refund Checks to many borrowers who took out government backed FHA loans between 2009 and 2011. The checks varied in amounts but many were approximately $6350 and including $4847 for upfront premiums, $1154 for annual PMI fees and $355 for increased closing costs. The bank is sending the refund checks to borrowers who qualified for a Conforming Conventional loan but were steered to a FHA loan instead. Possibly the reason given was that loan officers made more commissions on the FHA loan therefore were not honest with the borrowers. On a loan for $350,000, loan officers made $8750 commissions (2.5% of contract price) on a FHA loan versus $6350 commissions (... 11/11/2012

The data on this page is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you're a buyer or seller, the knowledge you gain will help put you in control of your real estate transactions.   The Redlands Real Estate Market Trends for Zip Code 92373 are show above and for Zip Code 92374, please see below: Call or email anytime to discuss how this information can benefit your Redlands home sale or home purchase!  1-909-963-1789.  11/11/2012

  Univ of Redlands 65th Annual Feast of Lights     The University Of Redlands School Of Music will present from November 30 to December 3, 2012 the 65th Feast of Lights, a service of worship celebrating in spoken word, tableaux, song and orchestral offering, the birth of Jesus Christ.   Although presentations have differed slightly from year to year, the basic theme has remained constant: the story of the birth of Christ and the symbolic message of the star of Bethlehem as it led the Wise Men to the stable. At the service’s conclusion, the traditional Ceremony of Candles, adapted from an ancient rite, symbolizes the spreading of the light of Christ’s message by the twelve apostles throughout the world. For many faithful attendees, the tradition of the Feast of Lights marks the beginning... 11/09/2012

  TOY & FOOD DRIVE for the Holidays   SATURDAY NOVEMBER 10th, 2012   In Redlands, Highland, Loma Linda, and Mentone, CA   A large Holiday Food and Toy Drive is being held on Saturday, November 10th in Redlands, Mentone, Highland, and Loma Linda. Donations will benefit those in need in all four cities, and will be distributed by the Family Service Association of Redlands. The drive is being held in conjunction with the 125th Anniversary of the City of Redlands. Members of The Church of Jesus Christ of Latter-day Saints and local Boys Scouts will visit neighborhoods throughout the area to pick up donation bags on Saturday beginning at 9 a.m. Bags donated by Stater Bros. were distributed to homes last Saturday with information. Those homes who did not receive bags, but would like to partic... 11/09/2012

Redlands Certified Farmer's Market at Grove School If you are looking for fresh vegetables and fruits, stop by: Grove School Farmer’s Market  Saturday from 8:00 a.m.- Noon Iowa St. and Orange Ave., Redlands CA. California is a dream come true state no matter what your needs or wants are. We have year round warm weather, beautiful beaches, rustic mountains and desert communities. If you are looking for a home in southern California, please contact me. I am a local California Realtor, live in the Inland Empire community and aware of the local market. I am here to help you find a home or to sell the home you currently own. California has great opportunities to view Nature and Bird Watching. Whatever your needs are, you will find it here in California! From the Inland Empire you are 45 minu... 11/09/2012

  My Favorite Flowers ....Make a Wordle.     Here is my Wednesday Wordles and I think it came out very nice. I edited it in www.Ribbit.com to added a frame, and my signature. So what do you think?   You ask how? This is how I did it. I just typed in some words all relating to my theme on a word document. Plus I changed a few words color, added quotation marks and tilde(~) mark between two works I wanted to keep together, and made some capitalized and others lower case. To make it simplier just type the two words together like instead of "Forget Me Not" just type "ForgetMeNot".    Type in www.wordle.net. Go to Create. I then highlighted the words (my theme) on my word document, put my cursor over it and just slid it over to the [1st Wordle box] like we do at ActiveRain and click on [Crea... 11/06/2012

 Jacinto Farms in Redlands CA and Redlands Photo Contest       This produce market, the Jacinto Farms, moved into Redlands earlier this year. If you are looking for fresh veggies and fruit, stop by. Today I was there and bought some green beans and a variety of squash. They also have an entire shelf of jams, marmalades and olives. Their melons are beautiful and I ended up buying a pumpkin and some different varieties of squash.   Jacinto Farms 1269 Brookside Avenue Redlands, CA 92373 (909) 335-2333 7 days a week-9:00 to 6:30 p.m   Jacinto Farms 2108 Mentone Blvd. Mentone, CA 92359 (909) 389-9458 7 days a week-8:30 to 6:30 p.m   Go to their web site.   Redlands Photo Contest Rules ·        The photo must contain a pumpkin or pumpkins in it. However, please note, this isn’t a pumpkin carv... 11/04/2012

REDLANDS CA COMMERCIAL REAL ESTATE Calculating the value, income, and rate of return on Redlands CA Commercial real estate investments need not be complicated. Here are three monetary aspects of an investment that share a mathematical relationship. They can help you determine a tangible return on a Redlands CA investment like commercial Redlands CA retail, Redlands CA office, Redlands CA industrial and Redlands CA multifamily real estate: Value: The cost or market value of a Redlands CA property. Income: The estimated annual income the Redlands CA property can produce. Rate of Return: An annual percentage return on the Redlands investment. To calculate the value of a Redlands CA income property, simply divide the annual income by the rate of return, or: VALUE = INCOME/RATE OF RETURN To ... 10/25/2012

REDLANDS CA COMMERCIAL REAL ESTATE COMMERCIAL REAL ESTATE AGENTS - REDLANDS CA Redlands CA commercial property includes office buildings, industrial property, medical centers, hotels, malls, retail stores, shopping centers, farm land, multifamily housing buildings, warehouses, and garages. In many Redlands California, residential property containing more than a certain number of units qualifies as commercial property for borrowing and tax purposes. The total value of commercial property in the United States was approximately $11 trillion in 2009, as measured by the CoStar Group and published in the Journal of Real Estate Management. According to Real Capital Analytics, a New York real estate research firm, more than $160 billion of commercial properties in the U.S. are now in default, ... 10/18/2012

Stop at Coventry Pet Resort in Redlands for the Royal Treatment Coventry Pet Resort in Redlands, San Bernardino County, CA offers Pet Grooming for cats and dogs, teeth cleaning, Clipping and/or Painting Nails, Obedience Training, Daycare M-F, Boarding, and Pet Food/Supplies plus they also gives a whole lot of love.   Here is one of mine being dropped off for grooming. This is so important especially when you leave them there for boarding; you don't want to be worried about them. Mine always come home happy. They also do grooming the day you pick up if you chose and then keep them up front so they stay clean. This is a great feature as well.   I have used Coventry exclusively for grooming and since 1989. I pamper my dogs and expect the royal treatment ……and they get it at Coventry Pet Re... 10/17/2012

35 Safety Tips to have a fun and safe Halloween.   The observance of Halloween, which dates back to Celtic rituals thousands of years ago, has long been associated with images of witches, ghosts, devils and goblins. Over the years, Halloween customs and rituals have changed dramatically. In the United States, the first official citywide Halloween celebration occurred in Anoka, Minnesota, in 1921.     Today, many of the young and young-at-heart take a more light-spirited approach. Glowing skeletons and lighted Jack O' Lanterns decorate homes, while children dressed in all kinds of costumes begin flocking out onto neighborhood streets in search of treats. Make this year's holiday extra safe by following these safety tips on costumes, treats, decorations and more!     I have made of a list... 10/12/2012

It Is October So Get Organized Before Jan....and try the NEAT Scanner   I typically keep my office pretty clean by putting my receipts all in one big box and the larger files and booklets in another big box. So when the first of the year comes, I am usually spending several weeks getting my records sorted, scanned, and organized. Does this sound familiar.   One of my colleagues told me she had bought a new scanner several weeks ago and loved it. Oh thanks I said but I have a pretty new scanner and it works fine plus it copies and prints as well. No she said, it is a scanner to organize your bills, receipts and puts them into the files you create in your computer. Really!   So I had to go and check out this scanner and after researching it, I bought one and started working on my files. ... 10/11/2012

A Nature Walk and a Surprise Hummingbird   On the end of my walk yesterday, I saw this beautiful Hibiscus Flower blooming in all its glory and just as I took the photo, a hummingbird flew by. In this photo, you can see the little guy in the lower right corner. Here you can see the hummer trying to hug the plant and hide from me. I believe he is just moving through during the fall migration as his coloring is different from the ones in my area and yard. He is so cute! And here is the beautiful flower still blooming with the threat of rain today.   Here is a little hummer in my backyard last night.   California is a dream come true state no matter what your needs or wants are. We have year round warm weather, beautiful beaches, rustic mountains and desert communities. If you are looking f... 10/10/2012

Back in September 2012, I wrote an article about the wild burros in Riverside and San Bernardino Counties living in the hills between Redlands and Grand Terrace. Did you know there are Wild Burros in Grand Terrace, CA? There had been a lot of media hype that week and spectators were driving around looking for the animals and giving them food and water as we were having a triple digit heat wave. Riverside and San Bernardino cities were having record temperatures of 111 degrees and this caused the burros to come out of the hills for help. Some interesting Facts: Spanish origin brought here from 1500-1800’s. Many times the travelers perished during the trip across the rough desert terrain so the burros would learn to survive and form packs.   Oatman, Arizona was a mining town from 1900-19... 10/08/2012

As a full-time agent with nearly two years in the business, come February 2013, I've learned a lot about keeping a postive mindset and being focused one one thing.  I realize that while I would love to HAVE a certain listing, or DO the production of one of the big agents in my office, I am learning that BEING is the most important part.  I see this every week from one of our affiliates and I just wanted to give a little 'shout out' to one of my awesome affiliates.  He is super great and always positive with a smile.  While we have not had the pleasure of working together yet, it is only a matter of time.   I know that for a fact because he is one of the best social media networkers I know.  Check in somewhere on foursquare?  He is there with a comment, pronto.  Need a quick price quote,... 10/04/2012

REAL ESTATE SHORT SALE FORMULA (Read this article first, then click on the link above) Do I Qualify for a Real Estate Short Sale in Redlands CA? So you're considering a real estate short sale for your Redlands, California Home….. Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Redlands home compared to what it is currently worth. We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust. We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you ... 09/28/2012

Over 200 species of birds migrate through each year. Many migrate at night and are confused by the urban lights, particularly those on tall structures. Lights left on in tall buildings lure many birds into fatal collisions, resulting in 1 billion bird deaths throughout the United States each year.   Lights Out for Birds is a program where building owners, managers, and tenants turn off lights within their buildings during the bird migratory season.  San Francisco was one of the first cities to participate in Lights Out for Birds. The program is spreading and is now active in 22 cities in the US and Minnesota’s state owned or leased buildings.     August 15 through November 30 is fall migration and the time to encourage businesses to participate in Lights Out for Birds by turning off un... 09/27/2012

Fall is here so Celebrate! This morning is the official first day of fall, Sept. 22, 2012. It is my absolute favorite time of the year! I have been collecting pictures of fall to share this morning. Enjoy! The leaves are starting to turn golden tones and fall off the trees and the Mum flowers are in the stores and in a variety of colors so I fill my yard with all the colors. The vegetables are still pretty and bright and make a good pot of soup as the weather is cooling off and of course the coffee shops are selling Pumpkin Lattes and Muffins. Sunday we had Pumpkin Pancakes and they were delicious! I made Snickerdoodle cookies and frosted them with pumpkin frosting and fall sprinkles. A perfect gift to a friend or mail off as a care package. Oh yes, don't forget pumpkin bread...my favor... 09/21/2012

SHORT SALE HOUSE REDLANDS CA If you are facing foreclosure and you can no longer afford your home, you may qualify for a Redlands CA Short Sale, even if you don't think you can or don't think your home can be sold in today's market. What is a Redlands CA Short Sale? A Redlands CA Short Sale, also known as a pre-foreclosure sale, is when you sell your Redlands home for less than the balance remaining on your mortgage. If your mortgage company agrees to a short sale, you can sell your Redlands CA home and pay off all (or a portion of) your mortgage balance with the proceeds. You may also be eligible for the government's Home Affordable Foreclosure Alternatives Program (HAFA) which offers incentives for sellers to complete a short sale. A Redlands CA Short Sale is an alternative to foreclo... 09/18/2012