If you have a fruit fly infestation, take a look here!  We love following @theboardhousewifepdx and she says that she’s tried a lot of fruit fly traps in her time, but this is the most effective method. EVER.

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A post shared by Nicole Jaques | Trendy Recipes + Kitchen Hacks + Cleaning Tips (@theboardhousewifepdx)

Source:  http://www.cafairs.com/fair_list.asp

Don’t miss these state and county fairs, festivals, and carnivals throughout California.

Realtor.com | By Larissa Runkle | May 26, 2023

We all have a summer to-do list: Weed the garden, refinish the deck, deep-clean the patio furniture before your big Fourth of July party. But around this time of year, many of us also start putting together a very different type of checklist: the summer bucket list.

Filled with sun-centric activities that will ensure you have an enjoyable season, this bucket list often involves hobbies that can be done in the comfort of your own backyard.

Maybe you want to spend more time reading or cooking your way through an entire cookbook. Whatever your summer goals are, we have some ideas on outdoor decor that can help make them happen. Here are five trending outdoor looks from Instagram this week that will help you check off every item on your summer bucket list.

1. Back porch bistro

For those who love to cook or have ambitious summer cooking plans—you’re going to want a place where you can enjoy those meals. Enter: this back porch bistro look from @homewithrue.

“An outdoor patio with a bistro table sets the stage for long, leisurely conversations and laughter-filled evenings,” says designer Robin DeCapua, of Madison Modern Home. “Invite your friends to cook with you—you’ll need the extra helping hands if you want to tackle that whole cookbook!”

Get the look: Create your perfect back porch bistro with this outdoor bistro set.

2. Patio potting bench

Every great gardener needs a potting bench to organize plants and prepare seeds. We’re particularly taken by this moody-colored potting bench seen in a post by @ohhomelygirl.

“This potting bench is a fantastic example of how to use your outdoor space to enhance your interests and pay attention to your bucket list,” says designer Dani Smith. “It’s perfect if you’re interested in gardening or even love to repot and propagate houseplants—it sets an intention and provides a casual-living aesthetic.”

Get the look: Give your green thumb an outlet this summer with this potting bench.

3. Garden reading nook

Looking for a quiet retreat where you can devour your growing pile of summer reads? Curate a reading nook like the one seen in this post from @cuckoolandcom.

“A comfy outdoor chair, adorned with plush cushions and a cozy throw, will invite you to curl up and dive into your literary adventure,” says DeCapua. “Set up a small table nearby to hold a refreshing glass of lemonade and a stack of books. With your summer garden reading nook, you can indulge in your love of reading while basking in the beauty of nature.”

Get the look: Get ready to have some of your best reading days of the season on this daybed.

4. Backyard fire pit

Need a place to gather around the fire with your brood? Check out this fire pit setup featured in a post from @outdoordesignerstore.

“What I especially love about this gathering area is that it’s the perfect foundation for entertaining,” says Smith. “Just fire up the pit and surround it with cushions, blankets, a lantern or two, a tray with drinks—you can’t go wrong.”

Get the look: Design your perfect summer gathering spot by combining this fire pit with a few of these floor pillows.

5. Poolside Tiki bar

If learning how to shake up some new craft cocktails is on your summer bucket list, you probably want to have a spot to show off your skills.

This poolside Tiki bar, seen in a post from @fincadelicaibiza, is a luxurious version of something you can achieve in your backyard.

“Refreshing drinks, good vibes, and lots of fun—cheers to the perfect poolside Tiki bar,” says DeCapua.

Get the look: Go all in with a thatched-roof Tiki bar or keep it classic with this wooden bar table.


Orange County Insiders | 2023

Not all Orange County donuts are created the same. Read on for the shops we’ve identified as the best.

1. Sidecar Doughnuts & Coffee (Costa Mesa, CA)

Sidecar’s donuts are decidedly gourmet. Try their flagship favorite: Salt & Butter.


2. Oliboli Donuts (Tustin, CA)

Try this: The Banoffee donut


3. The Donuttery (Huntington Beach, CA)

Open 24 hours!

Try: The blueberry donut or any of the malasadas.


4. Duck Donuts (Irvine, CA)

All donuts here are made-to-order!

Cinnamon sugar and french toast donuts


5. Randy’s Donuts (Costa Mesa, CA)

The iconic Inglewood donut company now has a location in Orange County!

Keeping Current Matters | May 26, 2023

Some Highlights

Your sink, shower, and tub drains aren’t magic garbage holes.

LifeHacker.com | By Elizabeth YukoPublished May 13, 2023

We like to think of drains as some kind of magic hole that makes things disappear. As convenient as that would be, unfortunately, that’s not how they work—including those attached to kitchen sinks with a garbage disposal, utility sinks, bathtubs, and showers.

To avoid having to unclog your drain, or hiring a professional plumber to deal with the situation, here are a few examples of things you shouldn’t put down any drain in your home—even if that’s the easiest way to get rid of it.

Don’t put these things down the drain

Pouring, dumping, or stuffing the following items and materials down any drain in your home is a bad idea:

Grease and oil

Whether it’s grease leftover from cooking, or oil you’ve discovered has gone rancid, do not pour it down the drain. Even if it’s in liquid form when you dump it, it can still cause or contribute to clogs that could wreak havoc on your plumbing.

Kitty litter

This should go without saying, but kitty litter does not go down the drain—even if it’s the flushable kind. Not only can it cause major blockages in your pipes, but it may also contaminate your water supply.

Potting soil

Repotting houseplants or doing other minor indoor gardening tasks in a sink, tub, or shower may be convenient, but if there’s a chance some potting soil could end up going down your drain, find somewhere else to handle it.

First of all, soil is a lot denser than it seems, which means it can easily clog pipes. Also, if some gets stuck down there, it could make your drain smell bad.

Coffee grounds

Although sometimes touted as a way of deodorizing your garbage disposal, coffee grounds really shouldn’t go down any drain. That’s because water makes them clump together, and over time, they can build up and lead to blockages. Use them in your garden instead.

Timeout.com | Jan 26, 2023

Sure, you’re probably heading to Santa Barbara for its glorious sandy beaches, and all the good things that come with it. Surfing, sunbathing, that sort of thing. But once you’re done with the miles and miles of breathtaking coastline, there’s a whole lot more of Santa Barbara to be explored – and it’s a lot more than just sandy beaches.

Santa Barbara is actually home to a whole host of great restaurants, museums and attractions, and it’s pretty easy on the eye too – most of its historic landmarks are just begging to be photographed and stuck on an Instagram story. So whether you’re there for its annual film fest or its wine festival, you’ll never be stuck for things to do in this city. Read on for the best things to do in Santa Barbara right now.

Fun things to do in Santa Barbara

1. Old Mission Santa Barbara

The late 18th-century Old Mission Santa Barbara gave the city more than just its name. You can see its lush courtyard, tiled roof, and shaded arches reflected in buildings all over Santa Barbara. But the mission is a beautiful, historical destination on its own, with a solemn cemetery, chapel, and an exhibition about its construction and life within its walls.

2. Santa Barbara Museum of Natural History

The compact halls of the Santa Barbara Museum of Natural History lend themselves well to pint-sized patrons, from a kid-sized cavern to an outdoor playground. Adults can enjoy a stroll around the campus’ Mission Revival buildings spread along a wooded creek, while the small Sea Center at Stearns Wharf is an all-ages winner, with shark- and anemone-filled touch tanks and a research center with biologically-rich muck straight from the seafloor below.

Inspiration Point

Photograph: Shutterstock

3. Inspiration Point

Hike to Inspiration Point for the kind of breathtaking natural encounter that will clear your mind. There are two ways to get to Inspiration Point, a beautiful outlook overlooking Santa Barbara’s coastline and the Channel Islands in the distance. The shorter option starts at Tunnel Trail and will make for about a 3.5-mile roundtrip. It begins on an easy paved road for about a mile but then makes its way to a trail that is steep in parts. The other option is starting at Jesusita Trail, which is steep in some areas and stretches about 7 miles.


4. Santa Barbara Museum of Art

State Street’s Santa Barbara Museum of Art recently completed a massive six-year renovation and expansion project, bringing new gallery spaces and public areas to the museum. You’ll find a mix of rotating exhibitions and highlights of the permanent collection that are heavy on Impressionism and Southern California abstraction. Visit the museum store for jewelry, books, toys, and other custom items.


5. Stearns Wharf

If you’re looking for fresh seafood, head to Stearns Wharf in the early morning hours to wait for the fishing boats to unload their catch. You can buy straight from the boats and take your fish home with you on ice—it’s cheaper, fresher, and way more fun. Although the pier (home to California’s oldest working wharf) offers wine tasting, a touch aquarium for kids, and lots of shopping and dining options, avoid it after mid-morning—it tends to become a bit of a tourist trap as the day goes on.

6. Santa Barbara County Courthouse

Santa Barbara County Courthouse is the one time you might want to spend a day in court. The Spanish-Moorish structure is striking from the inside, but step underneath its spacious archway, and you’ll find yourself inside one of the most beautiful government buildings in the country, period. Take the elevator or stairs to the top of the Seth Thomas Tower Clock for sweeping views of Santa Barbara—and make sure to stop by the historical, sublimely painted Mural Room on the second floor.


7. Santa Barbara Botanic Garden

If you’re the type of person who finds peace in nature, the Santa Barbara Botanic Garden should be on your itinerary. This garden, which focuses on native California plants, is unlike any other. Even the Redwood Section, where redwood trees were planted beginning in 1930, looks as though the trees are organically growing there. Throughout the mile-long walkway, there are plenty of spots for visitors to sit and reflect.

8. Lotusland

Polish opera singer and garden enthusiast Ganna Walska built up the beautiful tropical and subtropical gardens at Lotusland over four decades. Today, you can explore the multiculturally-themed gardens with two-hour guided tours that’ll take you through everything from a silvery-blue forest to a prehistoric-looking cycad garden.

9. Santa Barbara Zoo

A tangle of trails weaves through the beautiful grounds of the Santa Barbara Zoo. Equal parts open green space and lush animal habitats, the zoo is teeming with conservation information and close-up views of creatures like elephants, lions, leopards, and giraffes. Check at the front to see the daily feeding schedule for the long-necked mammals.

The Mortgage Hype that seller concessions on Conventional loans could be the better play than on FHA loans – Facts & Numbers vs Assumptions – Part 2

By 

Mortgage and Lending with Social Media – Infinity Home Mortgage Company, Inc
August 05, 2010 09:00 AM

 

Facts & Numbers vs Assumptions – Part 2

 

 

mortgage interest rates - facts and numbers

 

I love what I do and I love crunching numbers, sometimes being creative and finding a way to maximize my clients cash assets, putting them in a good financial position for years to come. Meaning that I like to act like a financial planner, making sure that the borrower doesn’t always use all of their assets, especially in today’s market.

Before you continue with this post, you will need to read part 1, Planting Seeds in the Borrower’s Head. If you want the cliff notes version, read the next few sentences below.

I truly believe as a loan officer, that I do my job as well as I can, with pride and satisfaction. That a realtor should not give mortgage advice deeper than the basics. The basics would be to know what programs are good in your area, and that you ask a few simple questions to make some determinations. Other than that, the realtor should not get into the rates and down payments. I hope to explain better below.

 

 

 

So what am I questioning?  It’s when a realtor makes a statement such as this one.  “home buyers can receive 6% closing help with 10% down.  Which benefits our buyers more, making a larger down payment or paying their cash for closing costs???” – How about possibly neither, which I will show below. The last comment was followed with this kind of comment. – “The lower interest rates often offered with 10% down compared with FHA may make the conventional more attractive. “ These same statements are mentioned in part one and written by Lenn Harley.

If you remember the title of Part 1, it was Planting seeds in the borrower’s head. Read my conclusion in part 1. I truly believe when you talk about such statements, that you could be planting a seed in the borrower’s head. This could confuse the borrower or even worse, make them choose your thoughts without knowing the details.  Let me show you what I am talking about.

 

 

Key Important Points –

  • If the property is in a distressed area (declining market), the maximum LTV is 90%, which means you have to put 10% down.
  • The monthly payments on the conventional loans can increase or decrease depending on the credit scores.
  • Each scenario is the same profit margin. You would need a credit score of 720 + to avoid any pricing penalty.
  • Most PMI companies won’t go below a 680 credit score.  There are a few that could go down to 660, but depending on the status of the lender with that MI company. But in all honesty, FHA loans would be the best option once you go below a 680 credit score. So why even bother with details.

 

The scenarios used below are based on a mid credit score of 699.

FHA Loans vs Conventional Loans - 8-5-10

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Now, there are a few other scenarios, such as lender paid mortgage insurance (LPMI) or 80/10 or lender paid closing costs (which you increase the interest rate which pays for some closing costs), and a few other mortgage insurance programs. But I just wanted to give you an idea on the statements that were mentioned above and how one needs to be careful in what they state to the buyer.

On another note, FHA is trying to reduce the seller help from 6% to 3%.  HUD seeks public comment on three main issues for FHA loans.  In the examples above, I decided to pretend that FHA’s seller help was reduce to 3%.

 

Reminder : – Comparing 10% down conventional with 3.5% down FHA – In regards to the money that you don’t use on the FHA loan, you either save it as cash on hand or you could invest it. You can usually get a 6% to 7% return on your money. If you have a decent idea or work with a good financial planner, you could get 9% to 10%. If you really know what you are doing and or are aggressive, you could get like 12% return. And please don’t read into those that sell you the idea to pay down your house off in half the time. There are some scams out there. They work, but not as advertised.  Secondly, you will be writing off less interest if you pay off your house quicker. And the interest write off on the interest rate itself, depending on your interest rate, might not be as much as you think. Just food for thought and showing the complexities when comparing different types of mortgages.

 

 

Key Important Reminder –

Lender Overlays and different PMI companies (private mortgage companies) have different guidelines and rules. Also, when doing a conventional loan with MI, you will also have to send the file to the MI company to be underwritten.  So even if your company says yes, the MI company could still say no. On FHA loans, it’s just underwritten once.

 

 

 

Conclusion : Many would think and or assume that with 10% down on a conventional mortgage, that it could be cheaper in interest rate and in payment than on a FHA mortgage with 3.5% down.  And in some cases, even though your down payment is more with a conventional loan, it could cost you more out of pocket or possibly more within the price of the home because some sellers will tack on the seller concessions onto the price. And look at the fact that you added about $6,000 of upfront mortgage insurance on the FHA loan, yet the FHA loans look to be cheaper all the way around. And you can compare the principal balances after 5 years and how much cash that you kept in your pocket with a lower monthly payment. Food for thought.

Cash is King – I highlighted the FHA loan scenario with 5% down. As you can see, the mortgage payment would actually be about $30 less than when putting 10% down. What I hear so many people focus on is the fact that they don’t want to be underwater on the property.  People, buying a home is suppose to be an investment and in many cases, a long term investment. This is a whole other topic, but it needs to be discussed. You just never know what will be around the corner and having a larger savings could save you down the road. I wrote an excellent series on this topic.  Click on the Cash is King link.  Part 2 of 3  –

Numbers don’t lie, uneducated facts or assumptions do.


UPDATE : I had originally worked on this post starting at 3:30 am this morning and had most of it done by 7 am. But I didn’t submit it because I had to check out one issue and then the day got away from me.  But Mr. Stevens of FHA has announced new upfront mortgage insurance changes and changes for the monthly. In my opinion, the 5% comparisons, FHA loans will still be the best option, even with a credit score of 699 or less. In regards to the 10% down on conventional loans?  The payment might be better by $100, but still keeping in mind that you are keeping $13,000 in your pocket.  You need to think of the trade off and your future. Here is the link to the letter from FHA Bill approved to give FHA the ability to change upfront and monthly mortgage insurance.  I will be writing about this tomorrow and giving examples.  thanks

Realtor.com | By Ana Durrani | Apr 27, 2022

A good sprinkler system is a must to keep your yard healthy and lush all year round—and keep you from doing the heavy lifting. Not only will sprinklers do the watering for you, but they can also help you save on water and energy costs.

So with the hot months approaching, it’s time to install a sprinkler system—or do some maintenance on your existing one—to ensure your lawn and garden gets all the H20 it needs.

To brush up on the particulars of sprinkler installation and maintenance, read on.

The best time to install a sprinkler system

Photo by Circle D Construction

The best time to install a sprinkler system in your yard depends on your location and climate. But generally, you should put in sprinklers before or after the growing season so flora is not destroyed and there is time for it to grow back nicely, advises David Steckel, an expert from Thumbtack.

“Spring or fall is recommended, or during any sort of major landscaping project,” says Steckel.

The only time you shouldn’t install sprinklers is when the ground is frozen. In cold parts of the country, your sprinkler specialist will want to wait until after things have thawed to make any changes to your irrigation system.

Consult an irrigation professional for sprinkler problems

Some of the most common sprinkler issues include reduced water pressure, inadequate water coverage, timer or wiring issues, and leaks, says DJ Olhausen, a real estate agent with Realty ONE Group Pacific.

These issues can cost you “thousands of dollars in repairs” if they aren’t caught early on, Olhausen says.

But don’t try to diagnose these problems yourself—leave sprinkler system maintenance to the experts.

“Irrigation professionals have the right equipment and know-how to properly repair or install a sprinkler system,” says Dave Holmes, service training manager for The Grounds Guys, a Neighborly company. “We have found that those who install their own irrigation systems often experience stress and concern regarding their systems following the installation.”

Irrigation experts are not just putting pipe in the ground, Holmes explains. They are evaluating your landscape’s plants and grass and providing answers and solutions to what they need.

How to choose the right sprinkler system for you

Photo by Margie Grace

There are a number of ways to get water to your lawn or garden, including sprinkler irrigation, drip irrigation, and surface irrigation. That’s why choosing the correct system for your yard is not a one-size-fits-all solution.

Olhausen tells homeowners to take into consideration the type of climate you’re in, what spray patterns are most ideal for your landscape, what kind of soil your lawn consists of, what your overall budget is, and how your water pressure performs.

You should also think about whether you want an in-ground or above-ground system, and an automatic or manual system.

To the average homeowner, the answers to these questions aren’t obvious. That’s why it’s wise to consult with a professional irrigation company before choosing a sprinkler system.

Sprinkler system costs

Whether you’re installing a sprinkler system for the first time or repairing part of your current sprinkler system, costs vary based on your location and the type of system you have.

The average cost to install a sprinkler system can range from $90 to $800, with more expensive systems costing $1,320 to $5,650, according to Thumbtack. Then, you have to factor in the cost of the actual system.

In-ground sprinkler systems will run about $2,500 to $3,500 for a quarter-acre lot. Drip irrigation systems that are used to deliver water to the plants’ roots and stems cost $1,800 to $2,500 per acre.

Sprinkler repairs, on the other hand, can cost $91 to $300, plus labor.

“In order to save money on future maintenance and repairs, it is important to clean your sprinkler heads and valve to remove dirt, grime, and other residues,” says Steckel. “Also, keep tabs on the water pressure to prevent leaks and check wiring, which may deteriorate due to normal wear and tear.”


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