“Habits are at first cobwebs, then cables.” -Spanish Proverb The new year is here, and with it come the billions of small promises we all make to spark some change in our lives. For some it will be a brand new creative endeavor, like writing that first novel. For others it will be the abandonment of an unhealthy habit like smoking. Almost invariably, resolutions center on the formation or destruction of a habit. Habits are like compound interest. If you understand how to harness their power, the returns in the long run are enormous. But how to we support the willpower it requires to start and sustain a new habit? An often overlooked tool in our quest for habit formation is the simple ritual. A ritual is a series of actions or behaviors followed without deviation. Rituals are most often associated with religious ceremonies or family traditions. Even if you're not big on a religious practice, there's increasing scientific evidence to suggest that "rituals appear to benefit even people who claim not to believe that rituals work." Rituals have been shown to alleviate grief after loss and help enhance confidence before sporting events. Rituals can serve as an excellent "boot up" routine for a new habit. As most gym rats will tell you, the hardest part of most people's workout is putting on their shoes. But the act of putting on the gym clothes, preparing your sports drink, and printing out your lifting routine can become a powerful ritual which not only gets you in the mindset for your workout, but puts you on automatic pilot. Rituals often help us build habits because we don't think, we do. Some rituals don't have to be directly related to a habit we want to build or break. For instance, you might decide to start each day by sitting down at the kitchen table and drinking a large glass of ice cold water. The act of drinking the water might simply be a moment to reflect on and remind yourself of your commitments, "filling you up" with willpower. Rituals can be an important part of being mindful and living in the present. What rituals do you have in your life? Where are there opportunities to create new rituals?

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Just in case you want to know what the next trend in designs are. 21 Hot Housing Trends for 2015 Everyone wants to be hip, and the latest trends in design can help distinguish one home from another. It's not all flash; many new housing fads are geared to pare maintenance and energy use and deliver information faster. Here's a look at what's coming. http://enews.realtor.org/a/tBUkOqsB8f3M-B8$SxJAACbz-Rz/btn9

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Here is an article I found quite interesting about what to expect in lending for the next year. Yea, I know I read the weirdest things when thing get slow, but I learn cool stuff too. HousingWire Home Accenture: 3 big predictions for mortgage lending next year Will housing survive or thrive? Brena Swanson December 19, 2014 Housing survived 2014, and now heading into next year, experts are once again weighing in on what they see for the future of the housing industry and overall economy. Ghazale Johnston, a managing director with Accenture Credit Services, outlined in an interview with HouingWire 3 topics she believes will take precedence in 2015. Here are her predictions for mortgage lending in 2015. 1. Regulations Some lenders may be under the impression that the regulatory scene will quiet down somewhat in 2015. But that doesn’t look likely. Lenders will need to be prepared for the CFPB’s proposed HMDA rules which will place an even greater emphasis on monitoring of predatory lending and consumers’ access to credit. The new rules could expand the information lenders collect from borrowers and may even extend the law’s reach to additional consumer finance products such as home equity loans. Regulators may also seek historical information about closed and denied loans. Lenders with robust data content management systems that effectively track and aggregate all this data - so that it can be reported to regulators - will be well positioned to meet the requirements without major disruption to their current business. While most lenders are aware that the new RESPA/TILA rules will take effect next August, they may also need to start preparing for potential new modifications regarding timing requirements and disclosure language. These and other regulations may require lenders to make upgrades to their systems, update their processes and retrain staff. 2.Flat mortgage market With origination volume unlikely to spike markedly in 2015, according to projections, lenders will need a sales capture strategy that focuses on taking market share away from competitors. In short, lenders will be fighting for fewer customers. Never before has differentiated customer experience been so critical to lenders’ ability to compete. Accenture research shows that 55 percent of consumers who encounter a frustrating experience while shopping for financial services began considering different providers almost immediately. To address this challenge and be well positioned to win new business, lenders must have digital capabilities that support customer preferences – from prospecting through servicing. Look for bold lenders to reorient their mortgage business to become “Everyday Banks” – using mobile, online and social media to play a deeper role in the everyday lives of their customers. These lenders will increasingly integrate their offerings with local realtors, online home marketplaces such as Zillow, builders, home goods retailers and home security firms. In so doing, lenders become integral to the home buying experience, rather than just a provider of another financial product or transaction. The goal is to turn mortgage financing from what has traditionally been a one-time event into a long-term borrower relationship. 3. Data analytics To broaden their customer base next year, some lenders may ramp up non-qualified mortgage lending and go back to originating mortgages with as low as three percent down payments per the FHFA’s new guidelines. To take advantage of these opportunities however, lenders will need to strengthen their data and analytics solutions to ensure that the expansion of new originations does not introduce unnecessary credit and repurchase risks. Additionally, the right analytics tools can give lenders a more complete view of borrowers and their home buying needs. That can help lenders anticipate existing customers’ needs for a new loan in advance of an application, enabling them to extend offers to these customers and connect them with other key parties in the home buying process.

from Sharon Shepherd, Realtor, ePRO, CHS http://ift.tt/1siYFnX

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Well, it is official, I have been married 49 years today. Wonder if I will get taken out to dinner tonight. Ha ha, fat chance, unless I pay for it.

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Put our flag out first thing this morning before we left for work. Never forget !!! My uncle was on the USS Virginia and was one of the first gunners to open up on the japs. He watched the Arizona sink.

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Yea. Simple infection. I may get out in the next hour. I will be drinking a lot more water for sure and taking my potassium like a good girl

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Ack another bloody test. White count is up so where is the infection. GAAAA I AM HUNGRY

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Must be a requirement that all emts must be cuties. At least the scenery isn't bad here

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Well nothing like a ride in an ambulance (with good lookin emts ) to make your night interesting. Now I am HUNGRY and I want to go home and feed my horse and me. Waiting for test results sucks. I want FOOD!!!! Sleep would be nice too

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Any one have any ideas on how to get the NASA feed off my timeline. I though it was just going to be pictures of the universe and stars. Now I cannot shut it up.

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Risa and Lilian being Creative Love the concentration on their faces. Theirs looks so much better than mine. Love Love Love it.

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Just finished a home inspection with my favorite inspector, Dave Bahia. He makes 2 and 1/2 hours fly by with his fabulous personality and he always manages to teach me something that helps me be a better and more observant realtor for my clients. Laughing and learning, cannot have a better day.

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Except for sewing my family will tell you, I am not crafty at all. This is my first attempt. A christmas tree made of bulbs. Now all I have to do is wind that red ribbon through it to cover all the white blank spaces. Was really fun, and I only burned my finger on the hot glue gun once. See - I can be taught.

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I voted - I hope you all did too !

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Well, I had the best Halloween ever!!!! Absolutely no trick or treaters. So disappointing and then at about 7pm there is a tentative knock on the door and when I opened it I was treated to a lovely Halloween song sung by a tenor and a baritone that was delightful. My Grandsons!!!!! Erin brought the kids down from Apple Valley to trick and treat us. What great fun. Boys had great tails to tell about the Calico Ghost town's Halloween doin's. Their Chamber Singers choir plays all the ghosts and goblins there to earn money for the choir. They have been invited. To sing at Carnegie Hall next year and are very excited and working hard to raise the $50,000 it is going to take to get them all there What a great bunch of kids. Did I mention both boys have great voices. Made my whole week to see all the kids as I have been missing them so

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OK. Now I have no clothes. I cleaned out my closet and everything that was to big went into the goodwill bag. I cannot believe how many outfits I tossed. My closet is bare but I am going over to the second hand store and buy some interim clothes. Used does not bother me. I hope I can con my sister into coming with me as a devil's advocate to keep me from buying terminal ugly as I have no taste when it comes to clothes, horses are a different matter altogether.

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WINTER PEST CONTROL When the cooler months roll around, pests look for reliable sources of warmth and food... that includes your house! Here are some practical tips for keeping them out. When the temperatures begin to dip, humans aren’t the only ones who appreciate the warmth and shelter of a cozy home. Insects, rodents, and other small mammals are also drawn to the comforts your house provides. Ever have a mouse die in a wall? It’s not the sort of smell that one appreciates during the holidays. No one wants an expensive electrical repair when a rat chews its way through wiring in the attic or basement, either. Do yourself a favor and protect yourself from pests this Fall and Winter. Here are some tips: 1. Inspect the outside of your home for ways animals may sneak in. Often utility vents and areas under eaves have gaps which should be sealed or screened. 2. Look for gaps around door and window frames, and caulk or repair those gaps. Tiny entry ways can lead to big problems. 3. Examine trees around your home. Are any branches close to or touching the roof? These branches can be pathways for rodents to access your roof and any access ways the roof may provide to your attic, walls, or crawlspaces. 4. Make sure your garbage and recycling bins have tight fitting or locking lids. Hungry animals will find those scraps, trimmings, and drips, and they can more or less provide an invitation to come close to the house. It’s not a bad idea to buy containers with latches or locks that won’t interfere with garbage pickup, but will deter most animals. (Raccoons are particularly clever, though!) 5. If you have a wood pile for a fireplace or other stove, keep it at a distance from your home. If you’ve been keeping it close to the house because of the cover a roof provides, consider relocating the wood and using a tarp to keep it dry. 6. Inside your home, try not to store food on countertops as it will attract flies and rodents. Airtight containers inside of cabinets an drawers is a better bet. 7. Never leave dirty dishes in the sink overnight if you can help it. Just like food on the counter, it’s an invitation for bugs. 8. Wash your floors with a water and a cleaner. Food residue from spills will attract ants. With a little prevention, you can keep your home pest free this season. Even with the best protection, pest control can become a necessity, though. If you need a referral for a trusted pest control company, feel free to get in touch with me: Sharon@SharonShephed.com

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Extreme Ultraviolet Image of a Significant Solar Flare

Extreme Ultraviolet Image of a Significant Solar Flare

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OMG OMG OMG. I went to see if I could find a pair of jeans for work as mine are getting ratty. SIZE 16 fits like perfect. *Scream* I cannot believe it. I am walking on air. I tried on a bunch of clothes (of course) and all size 16. I am so close to my goal.

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Had more fun today. My 12 year grand daughter was invited to the Mt SAC invitational cross country run and Jess and I went to see her compete. WOW what a great cross country course they have there and she was so pleased with her performance and time. She won the most improved runner for the year trophy and was as proud as punch. Was so great watching all those kids strive so hard to compete and complete the course. Kudos to them all.

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Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or Riverside County |...

7 SIGNS YOUR BEDROOM HAS GONE BAD Why hasn’t anyone made an offer on your home? It could be the bedrooms. Here are some serious signs you’re in need of a bedroom makeover. Bedrooms don’t come with an expiration date, but some really should. When buyers are touring a home, a stale bedroom with outdated style can be a deal-breaker. Problematically, many sellers simply can’t see their own bedrooms honestly anymore. Give your bedroom the “has it gone bad?” sniff test by checking for these common signs of stale design: Your ceiling has more popcorn than the home theater: Is your ceiling a constellation of dusty, stained popcorn texture? Nothing says “state of the art 1950s design” like the popcorn ceiling. Removal can be a dirty job, and you’ll want to have it checked for asbestos before you do, but getting rid of it goes a long way to modernizing the look. Mirror, mirror, on the wall. And the closets. And the... ceiling? A little reflected light makes a bedroom look bigger, but if you’re rocking the fun house / journey-into-infinity effect, consider removing some of those reflective surfaces. Frills, frills everywhere. Check those bed skirts, window dressings, and curtains. Could a Civil War-era southern belle scratch together a formal dress from your assortment of puffy fabrics? Tone it down. Sorry, captain, the pattern is... retro. Check the paper in your drawers, the shelves of your armoire, and the paper on the walls. Does it feel like felt? Is it yellow like a pirate map? Does it remind you of an 80s prom? Any (or all!) of these are signs you need to update. Prison ward pillows. Wow, that bed looks... really, really flat. You sleep like that? Clean lines are one thing, an uncomfy bedroom is another. Puff it up and make it cozy. Formica anything. Does your dresser look like it would make a nice kitchen island in the 1970s? Spring for some staging furniture and replace that laminate wonderland. But I’ve had that alarm clock / television / stereo for 30 years! Yes, and it shows. Nix the flip-digit clocks, the wood grain television cabinets, and the neon-striped boom boxes. Modernize or put them in storage, stat. Yes, buyers can modernize a bedroom when they buy the house, but expecting them to see past your bedroom’s past is taking a gamble. Do a few simple things to freshen up that room! Need someone to evaluate your interior appeal? (Free staging by a design professional on my listings) I’m happy to share my candid thoughts and guide you towards maximizing your home’s appeal: http://ift.tt/1cJ58fS

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Hurricane Gonzalo Viewed From the International Space Station

Hurricane Gonzalo Viewed From the International Space Station

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Operation IceBridge Turns Five

Operation IceBridge Turns Five

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Wiseman and Wilmore Spacewalk Preparations

Wiseman and Wilmore Spacewalk Preparations

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Stuck on the Rings

Stuck on the Rings

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Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or Riverside County |...

ELIMINATE THE "PHANTOM MENACE" Does it seem like your power bill has gone up year after year? While elevated energy costs are certainly part of the problem, thereʼs a “phantom menace” thatʼs also been driving up your bill: New electronics. Long gone are the days when shouting at the kids to “turn off the light!” was a sure way to save on electricity (though installing reduced-energy bulbs is a good move, too). The U.S. Department of Energy reports that “75% of the electricity used to power home electronics is consumed while products are turned off.” Whyʼs that? Because newer electronics and appliances consume power even when the device is turned off. The term to describe this is known as “phantom load.” Home entertainment systems with remote controls, wireless routers, appliances with clocks, electronics that use a power adaptor (i.e. a wall cube) and computer printers are all good targets for reducing phantom loads. If you can feasibly eliminate these loads, you can save a lot of money over the course of the year. So how do you eliminate phantom load? Unplugging devices every day is a hassle, but one sound alternative is the use of power strips which allow you to kill the connection to the main outlet without having to unplug devices. If you Google “smart power strips” youʼll also find a variety of options for allowing certain devices to “pass through” while others are shut off. This can be useful when you have certain devices which do need to be “on standby” while others do not. While going green is a perfectly good reason to reduce your power consumption, the money you save on power can go to other household expenses, family vacations, and perhaps even the down payment on your next (or first!) home. Keep an eye out for those energy vampires! Usually you can tell who they are by their LED lights glowing in the night. I love to help my clients get the most out of their home. If youʼre thinking of selling or searching for a home soon, please get in touch today: Sharon@SharonShepherd.com http://ift.tt/1cJ58fS

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Lisa Kay

I am doing as ordered

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An Open Letter To The General Public About Real Estate

This is a great letter that was posted on my Active Rain page and makes so much sense. Bacon anyone?

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Hubble Catches a Dusty Spiral in Virgo

Hubble Catches a Dusty Spiral in Virgo

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Super Typhoon Vongfong in the Philippine Sea

Super Typhoon Vongfong in the Philippine Sea

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Should I Rent My House Instead of Selling It? | Keeping Current Matters

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Astronaut Reid Wiseman on the First Spacewalk of Expedition 41

Astronaut Reid Wiseman on the First Spacewalk of Expedition 41

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Preparing For a Spacewalk

Preparing For a Spacewalk

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6 Ways to Make Bedroom-Sharing Possible - US News

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Launch Abort System Installed for Orion Flight Test

Launch Abort System Installed for Orion Flight Test

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Enjoy a Healthy Home: 10 Mistakes to Avoid

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The 10 best U.S. cities to live in

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CENTURY 21 Olde Tyme - Media

Here is a link to my newsletter on Household Budgets.. Hope it makes sense to you all. Budgets and I have only ever had a nodding acquaitance - much to my shame. But -- Old Dogs can be taught new tricks so I thought I would share. http://ift.tt/Z1jyaO

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Rosetta Comet Fires Its Jets

Rosetta Comet Fires Its Jets

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James Webb Space Telescope Sunshield Test Unfolds Seamlessly

James Webb Space Telescope Sunshield Test Unfolds Seamlessly

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5 questions to ask yourself before buying in an up-and-coming market

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Milky Way Viewed From the International Space Station

Milky Way Viewed From the International Space Station

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Fall Colors Arriving

Fall Colors Arriving

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I Got Warm - What Kind of Old Person Will You Be?

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The Surprising Safety of a Zero-Down Mortgage

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Rocket Boosters Prepared For Orion Spacecraft's First Flight

Rocket Boosters Prepared For Orion Spacecraft's First Flight

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You are right !!! This is just too too funny

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I Didn't Know Wolves Were That Important for the Environment!

I did not know this. Proof again that Mother Nature knows best.

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Mortgage rates fall from 4-month high - MSN Real Estate

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Expedition 41 Crew Launches to the International Space Station

Expedition 41 Crew Launches to the International Space Station

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What is The Color of Your Aura?

Hmmm very close to how I see myself

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Looking for Comets in a Sea of Stars

Looking for Comets in a Sea of Stars

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11 Simple Ways You Can Boost Your Credit Score

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King Fire in California, False-Color Infrared

King Fire in California, False-Color Infrared

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Sunrise at the Soyuz Launch Pad

Sunrise at the Soyuz Launch Pad

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Hate your kitchen? Now is a good time to upgrade

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The Odd Trio

The Odd Trio

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Celebration: MAVEN Arrives at Mars

Celebration: MAVEN Arrives at Mars

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SpaceX Dragon Rockets to the Space Station

SpaceX Dragon Rockets to the Space Station

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Tapping Into Home Equity the Right Way -- and the Wrong Way

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Starry Sky from the Space Station

Starry Sky from the Space Station

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NASA Airborne Campaigns Focus on Climate Impacts in the Arctic

NASA Airborne Campaigns Focus on Climate Impacts in the Arctic

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Getting A Mortgage: Why So Much Paperwork? | Keeping Current Matters

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Powerful, Pulsating Core of Star

Powerful, Pulsating Core of Star

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A Brutal Apology to Consumers from the Real Estate Indu

This young man says it all and very well indeed. Kudos to him.

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Florida to Louisiana Viewed From the International Space Station

Florida to Louisiana Viewed From the International Space Station

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7 things that are wrong with your house

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Crescent Mimas

Crescent Mimas

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Everyone remember my open house at 1580 Pacific in Norco today 1-4. Come by and see this great horse ranch we do have cold water for all

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So looking forward to tomorrow. I am taking my daughter and my 12 year old grand daughter to "Sisters of Caliber" hand gun class at the Apple Valley Gun Club. It is being taught by my office manager Connie Amelang. I love guns and shooting but never ever had a safety and use class so I am sure I am going to learn a ton than will make me a better gun owner. Plus I get to shot several different guns and decide what I am going to purchase for my own special weapon. Grand daughter is already a "dead eye marksperson" with a rifle so should be interesting to see how she does with a hand gun. fun fun fun

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Eight Great Ways to Boost Your Home’s Value

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World's Largest Spacecraft Welding Tool for Space Launch System

World's Largest Spacecraft Welding Tool for Space Launch System

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Operation IceBridge 2009

Operation IceBridge 2009

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MCoRDS Integrated Into the DC-8 Tail

MCoRDS Integrated Into the DC-8 Tail

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Multichannel Coherent radar depth Sounder (MCoRDS)

Multichannel Coherent radar depth Sounder (MCoRDS)

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Preparing the DC-8

Preparing the DC-8

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ATM Located on DC-8's Nadir Port

ATM Located on DC-8's Nadir Port

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Laser Calibration of the ATM

Laser Calibration of the ATM

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ATM Instrument

ATM Instrument

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Antarctic Sea Ice on Oct. 16,2009

Antarctic Sea Ice on Oct. 16,2009

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Antarctic Sea Ice on Oct. 16,2009

Antarctic Sea Ice on Oct. 16,2009

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Antarctic Sea Ice on Oct. 16,2009

Antarctic Sea Ice on Oct. 16,2009

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Realtor.com® Report: Healthiest End to Spring Home Buying Season in Three Years - Real Estate...

Things seem to be looking up.

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The U.S. Gulf Coast at Night

The U.S. Gulf Coast at Night

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Supernova SN 2014J Explodes

Supernova SN 2014J Explodes

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James Webb Space Telescope "Pathfinder" Backplane in the Cleanroom

James Webb Space Telescope "Pathfinder" Backplane in the Cleanroom

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www.nasa.gov

Station Astronaut Sets Up Capillary Channel Flow Experiment

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NASA Sees the Supermoon From Washington

NASA Sees the Supermoon From Washington

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Fishing LDSD Out of the Water

Fishing LDSD Out of the Water

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Hurricanes Iselle and Julio Nearing the Hawaiian Islands

Hurricanes Iselle and Julio Nearing the Hawaiian Islands

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Rosetta's Target Up Close

Rosetta's Target Up Close

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Two Years Ago, Curiosity Rover Lands on Mars, Captures Image of Mount Sharp

Two Years Ago, Curiosity Rover Lands on Mars, Captures Image of Mount Sharp

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Underway Recovery Tests for NASA's Orion Spacecraft

Underway Recovery Tests for NASA's Orion Spacecraft

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Iberian Peninsula at Night

Iberian Peninsula at Night

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NASA Astronaut Steve Swanson Returns to Earth

NASA Astronaut Steve Swanson Returns to Earth

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Expedition 40 Soyuz TMA-12M Landing

Expedition 40 Soyuz TMA-12M Landing

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The PRAYER

I most favorite song.

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Hey all, I am holding an open youse Sunday for 1 - 4 at 1580 Pacific Ave. In Norco. 3/4 acre working horse ranch with MD Barn, hot walker, wash rack, arena, paddocks and turn out. The house is 5 bedroom 3.5 bath 2,638 square foot beauty. Comes with a great pool too! Come see what a neat place this is.

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Should You Remodel or Buy a New Home? 3 Things to Consider Before You Decide

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Unprecedented X-ray View of Supernova Remains

Unprecedented X-ray View of Supernova Remains

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Flying Through an Aurora

Flying Through an Aurora

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How to Save for a Second Home - Credit.com

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Orion’s First Crew Module Complete

Orion’s First Crew Module Complete

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Norco CA : 1580 Pacific Ave. Norco, CA 92860

Here is a fabulous horse ranch in Norco listed by my good friend Wanda and we need it sold yesterday as it is a contingency on a sale I am involved in. Tell all your friends.

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This terrifying prank video will make you poop your pants

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This terrifying prank video will make you poop your pants

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Terrifying Giant Spider Is ... Just a Dog in a Costume

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10 Ways to Boost Your All-Important Credit Score

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Hubble Sees Spiral in Serpens

Hubble Sees Spiral in Serpens

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Expedition 40 In-flight Crew Portrait

Expedition 40 In-flight Crew Portrait

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Expedition 40 Crew in the Harmony Node

Expedition 40 Crew in the Harmony Node

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Expedition 40/41 Trio in the Harmony Node

Expedition 40/41 Trio in the Harmony Node

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Expedition 39/40 Trio in the Harmony Node

Expedition 39/40 Trio in the Harmony Node

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Expedition 40 Trio Conduct Standard Suit Leak Checks

Expedition 40 Trio Conduct Standard Suit Leak Checks

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Expedition 40 Trio in Sokol Launch and Entry Suits

Expedition 40 Trio in Sokol Launch and Entry Suits

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A Portion of the Station’s Russian Segment and ATV-5

A Portion of the Station’s Russian Segment and ATV-5

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A Portion of the Station’s Russian Segment and ATV-5

A Portion of the Station’s Russian Segment and ATV-5

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Expedition 41/42 Prime Crew Members Clasp Hands

Expedition 41/42 Prime Crew Members Clasp Hands

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Expedition 41/42 Crew Trainer Keeps an Eye on Monitors

Expedition 41/42 Crew Trainer Keeps an Eye on Monitors

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NASA Engineers Conduct Low Light Test on New Technology for Webb Telescope

NASA Engineers Conduct Low Light Test on New Technology for Webb Telescope

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Why home sales could rise this fall

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Tracking Traces of Alternative Jet Fuels

Tracking Traces of Alternative Jet Fuels

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View From Under A Horse While Jumping – Girth Camera!!!

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An Astronaut's View from Space

An Astronaut's View from Space

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Century 21 Olde Tyme

I have more fun doing this. The kids are just a hoot and so polite as they wait for their cotton candy.

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6 Good Reasons To Get Renter's Insurance

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Ridin' Horses with Kerry Kuhn: "The Idea of 'Feel'" | HRTV.com

OK I found heaven. A place to watch horse videos till I drop. HRTV. OOOOOO I love it .love it, love it.

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Red Skelton's 1969 Pledge of Allegiance

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Freddie Mac: Mortgage rates stay low heading into holiday

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This horse is the best. Works like the old man (35 years) grazing in my back yard. Worth the world to the family.

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Homebuyers' Advice: Are You Really Ready to Buy a Home?

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Home is Never Far Away

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5 Ways to Protect Your Credit

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Easy DIY Stone Veneer for Fairy Garden Houses

I want to try this I have the perfect place for a fairy house and what a great afternoon project.

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How to judge your Realtor by their shoes

This is so true. My shoes are always beat up. Add to that my clothes are sometime worn by dogs jumping up on me, horses rubbing on me and don't forget the occasional pit belly pig rubbing his snotting nose on my pants to get my attention.

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4 Factors That Shouldn't Affect Mortgage Loan Approval

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OK, My wanna be horder hubby has gone to far. 2 count em 2 Razor race cars he is rebuilding for my grand-kids - in the middle of my family room and hall. So who trips over em, breaks a toe, knocks herself out on the corner of the wall, slams her knee (the bad one). I swear if I could of moved, I would of found my horse whip and beat him to death with it. As it is I can barely more, head hurts, leg is pounding and toe is aching. I need a horse hug and I can't make it out to the corral. There is a war brewing in my household as soon as I can move well. Whine whine whine. OK, vented - Now I can laugh at myself.

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5 Signs It's Time to Buy a Home

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I got Texas. Which U.S. state should you actually live in?

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Daves Highway - Amazing Grace, My Chains Are GOne

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Daves Highway - Amazing Grace, My Chains Are GOne

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Why it pays to buy now in 10 hot markets - MSN Real Estate

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Guide to Buying and Installing a Sprinkler System

I so need to do this

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Outlander - Episode 101

Don't know if any of you have read this series of books but they are awesome to say the least and starz is following them very closely, which is a pleasure to say the least. I am buying em when they hit the video store for sure.

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10 questions to ask at an open house - MSN Real Estate

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10 States With the Cheapest Mortgage Rates

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7 Ways To Deal With Bad Credit When Renting

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Be careful what you post on Facebook. You never know who's watching.

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More often than not, we will regret what we didn't do over those things we did, even if those things we did fell short of our hopes. If you look back on your life, you may find it remarkably hard to recall things you tried that didn't work out, but the most glaring will be the times something held you back. A man who must file for bankruptcy after a risky business deal will not remember it so much as the time he failed to visit his elderly mother upstate before she passed. Action takes the sting out of regret. Each new attempt, every decision to stand up again after a blow helps us let go of missed opportunity and times when fear held us back. I believe we have a bias for action, a kind of internal drive that mandates we learn. When we thwart that drive we are the most unhappy. It is easy to slip into safe habits. Far too easy to settle into sustainable patterns that keep us from exploring. We must be mindful of this in order to avoid the accumulation of regrets. If we come to the end and ask ourselves, "What did I do with all of the time?" we have been unmindful. A simple way to practice mindfulness is to keep a list. Keep a list of the actions you are taking, the "what's new" in your life this week. Only note the proactive things you do, the times when you have actively made a decision and followed through on that decision. Look for something to investigate outside of your regular routine. It might start small, like a shift in your morning coffee stop, but it might also be large, like pursuing a new language with an eye on a 50th birthday trip in a foreign country. When people look back on your life, let them remark on all the things you tried, not all the rationalizations for the things you didn't do.

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Stop Living in ForeverLand - Storeboard

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Mortgage rates continue to hover near yearly lows

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Sharon K. Shepherd

Something I thought you might find interesting Sharon Shepherd, Realtor, ePRO, CHS

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Belinda Krawiac has just recommended me as a professional!

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Sharon Shepherd

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Sharon Shepherd

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Sharon Shepherd

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Sharon Shepherd

Karen von Schmitou has just recommended me as a professional!

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Sharon Shepherd

Richard and Sharon McG. has just recommended me as a professional!

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Sharon Shepherd

Daniel and Cheyenna Ortiz has just recommended me as a professional!

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Sharon Shepherd

Belinda Krawiac has just recommended me as a professional!

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Sharon Shepherd

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Sharon Shepherd

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Visit my HyperSocial Profile at http://ift.tt/1so75Hi

I have earned the NAR's e-PRO® Certification!

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Visit my HyperSocial Profile at http://ift.tt/1so75Hi

I have earned the REALTOR® Badge!

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Sharon Shepherd

I just signed up for a free SocialBios account from Realtor.com. Get your account at http://ift.tt/PHLEwE !

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What you can buy for $250,000 - MSN Real Estate

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Are Multiple Agents the Way to Go? - Buy, Sell - realtor.com

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Top 10 Real Estate Agent Safety Tips [Infographic]

For all of my Real Estate Agent friends. Things we need to remember always.

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10 Ways to Retire on Less Money

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Hmmm. Jess bought 7 cans of cat food for that feral cat he "hates" but last night the 7th can could not be found, however, I do remember him have what looked like a tuna fish sandwich for lunch - I don't remember buying any tuna ---- I'm just sayin'----------------

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5 tips for selling your home for the best price

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Had a great dinner last night at Ooka in the Riverside Plaza with my sister, her daughters and her oldest daughter's in laws. They we're celebrating my grand niece's birthday. Great company and great food. Yummy

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The best way to loan your child money to buy a home Tax Guy

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The 10 Most Important Factors for Buying Your Dream Home

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I got Farmhouse. What type of house should you live in?

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5 tips for winning a bidding war - MSN Real Estate

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Cherry BBQ Chicken Drumsticks Recipe : Patrick and Gina Neely : Food Network

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Selling Your House? 5 Reasons to Do It Now! | Keeping Current Matters

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8 biggest mistakes first-time homebuyers make

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9 Ways to Increase Your Home's Value

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9 Ways to Increase Your Home's Value

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Housing Trends eNewsletter- Sharon Shepherd

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general. Please click on this link to view the Housing Trends JUN-2014 Newsletter http://ift.tt/1jDCQwq The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources. Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports. If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report: http://ift.tt/1nCQdbl Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future. Sincerely yours, Sharon Shepherd Century 21 Olde Tyme 1261 6th Street Norco CA 92860 951-256-3800 | 909-223-1094 Sharon@SharonShepherd.com

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Homebuilder Confidence Surges on Stronger Sales

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Moving? Here's How to Get Packing Materials For Free - The Savings Experiment

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Saving for a home

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I got The Lovers - What Tarot Card Are You?

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Saving for a home

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What Kind of Woman Are You?

Well that sorta figures, not sure it is complimentary but too bloody true.

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I am 37% Bitchy. In other words, I am a Balanced Bitch. How Bitchy Are You? Take the quiz!

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10 states with the fastest-growing economies Slide Show

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Summer Fun with Your Horse | EquiSearch

This is such a great article for all of us in Norco that I just had to share it. Enjoy,

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5 Steps to Sell a House That Won't Sell - US News

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It Pays to Use a REALTOR®

I knew I was valuable, I just love it that I wasn't wrong.

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Mortgage rates fall for third straight week - MSN Real Estate

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New Mortgage Strategies for Homebuyers Without 20% Down

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How to Prepare Your Home For Quick Sale

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What Is the Real Cost of a Mortgage?

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Here’s what we’ll give up for a down payment on a home Amy Hoak's Home Economics

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Just closed one escrow and opened two more. God is being very good to me. Just got back from a mini vacation with my daughter and five of my six grand kids. What a great time we had. Got to finally to see Yosemite for the first time and the kids were so impressed and awed by it all. Will be posting pictures of all especially Bridal Veil falls without water - sad indeed !

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New Home Sales Rocket Higher in May - DailyFinance

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Before You Buy a Home, 4 Essentials to Have -- AOL Real Estate

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What Is the Real Cost of a Mortgage?

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A Building Trend: Bigger Homes on Smaller Lots -- AOL Real Estate

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How To Qualify For A Mortgage If You're Self-Employed

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Mortgage Loans for People With Bad Credit - - realtor.com

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10 Reasons To Make Repairs Before You Sell Your Home

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4 Reasons to Buy YOUR HOME Now! | Keeping Current Matters

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What Country in the World Best Fits Your Personality?

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What Country in the World Best Fits Your Personality?

Yep got me to a "T"

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5 Warning Signs that You are about to have a Bad Mortgage Experience

This is some great advice on judging a lender and let me tell you, from personal experience, it is so true.

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5 Warning Signs that You are about to have a Bad Mortgage Experience

This is some great advice on judging a lender and let me tell you, from personal experience, it is so true.

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5 Ways to Make Sure Your House Sells Quick | Young Adult Money

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A Guide to Creating Your Ideal Household Budget - DailyFinance

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Well, I am just walking on air today. I went to the feed store and some silver fox cowboy did a take when he saw me and flirted with me. Boy did my ego ever wake up a bit. Was soooo nice. And I still have 65 pounds to go.

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A Guide to Creating Your Ideal Household Budget - DailyFinance

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'Shopping' for a Roommate? 4 Essentials to Avoid Conflict -- AOL Real Estate

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'Shopping' for a Roommate? 4 Essentials to Avoid Conflict -- AOL Real Estate

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FaxVision.com the #1 Online Fax Provider

Been really happy with my e-fax. Service is great and it works all the time which is a plus for me.

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4 ‘smart home’ gadgets you don’t want hacked Slide Show

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Ok where is everyone?? Come one come all to my poem house (Victorian Home) 395 Garfield in Lincoln Park in Pomona. 1- ? Come see this great home

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The most valuable tax break? Tax Guy

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Zillow Mortgage Marketplace: 30-Year Rate Drops Below 4% -- AOL Real Estate

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Open house is Sunday from 1-4.

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Everyone is invited to an open house on 395 Garfield in the Lincoln Park District (heritage homes) in Pomona. It is a fantastic home and worth seeing as it has had only 4 owners since 1924 and is in pristine condition with lovely yards, a man cave and most of the original wood work.

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White House: New mortgage policy will help home buyers

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White House: New mortgage policy will help home buyers

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Handbagloverusa.com

OK My next purse for sure. v I am going to be a pistol packin' MaMa. All legal to boot.

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How to Avoid Closing-Cost Confusion -- AOL Real Estate

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Your kids decide when you buy a home Amy Hoak's Home Economics

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4 tips for setting the right price with sellers | Inman News

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Was a decent day opened an escrow, searched for homes for 3 buyers and gave my antique horse (35 years young) a good grooming. When he sees the brush and curry comb he comes running, no halter required. He is such an old love.

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Are you carrying too much housing debt into retirement?

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Ready to Buy? Consider a Home in These Thriving Markets -- AOL Real Estate

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Why millenials rent: What do you think?

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Wall Street Survivor

Demystify Investing with Wall Street Survivor Many young people are interested in building long-term financial health (if not outright wealth), but also lack a fundamental financial education. While the basics of debt management and savings are good places to begin, there's also ample opportunity to explore investing. There are so many shady investment "sources" on the Internet that it can be difficult to find a source which genuinely educates people honestly and transparently. Wall Street Survivor is one refreshingly trustworthy resource. According to Wall Street Survivor, "Our mission is to spread financial literacy. We've stripped away the jargon so that learning how to buy stocks can be simple and fun." The site promises to help newbies learn investment and personal finance topics at their own pace and practice what they've learned through quizzes an interactive games. The site offers courses, an informative blog, and a large library covering a wide range of financial topics, including this video, "What is a Mortgage." (Great to share with prospective first-time buyers.) Check out Wall Street Survivor online today: http://ift.tt/KwRw86

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Is Paying Off your Mortgage Early a Good Idea?

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8 great estates for sale - MSN Real Estate

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The state legislature has been considering a tax that would be imposed on homeowners who need to record certain documents with their counties This $75 per document tax will be imposed on a variety of documents, which will include, for example, documents related to refinancing properties, taking properties in and out of trusts, making lot line adjustments, obtaining constructions loans and upon the death of a spouse. The tax also applies to foreclosures (the owner would be responsible, not the lender) and filing mechanics liens. For instance, it’s not untypical in a refinance, for six documents to be subject to the new tax, resulting in a tax total of $552. If a spouse dies, up to five documents need to be recorded, creating a total tax of $440 including existing recording fees. SB 391 is in the Assembly Appropriations Committee. The CALIFORNIA ASSOCIATION OF REALTORS® is opposing this bill

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Ok I an off to set up my open house at 395 Garfield in Lincoln Park (huge enclave of Heritage Homes) in Pomona near the fair grounds off of Garvey. Come see this place as it is fabulous.

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Hey everyone, I am holding an open house on a killer Victorian Heritage house in Lincoln Park, Pomona. 1 - 4 on Sunday. Come and see this beauty. 395 Garfield. Garvey off ramp, Mckinley and follow my signs.

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6 Renovation Tips for New Landlords | Zillow Blog

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10 Surprising Things That Lower the Value of a Home

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HubSpot's Blog Topic Generator

Not that I am lazy but this is just sweet

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10 Surprising Things That Lower the Value of a Home

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Exposing Some Common Homebuying Myths -- AOL Real Estate

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Read my review of GoDaddy's services: "Go Daddy Rocks"

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Four Dirty Jobs You'll Be Glad You Did

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10 Reasons Why Homeowners Have an Edge on Renters -- AOL Real Estate

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10 Reasons Why Homeowners Have an Edge on Renters -- AOL Real Estate

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Electronic Locks | Install an Electronic Deadbolt | Schlage

This is just to great and idea for me not to pass it along. Great take on the combo front door lock that works 2 ways.

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Bathtubs are out, big showers are in Amy Hoak's Home Economics

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Woooohoooo. 250 lbs even today. That means I have lost 49.5 pounds. I know I am still obese but..... I see size 14 looming on the horizon. And 50 pounds is a whole sack of horse feed so I am feeling really really positive that I will be successful

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Wall Street Survivor

Demystify Investing with Wall Street Survivor Many first-time home buyers are interested in building long-term financial health (if not outright wealth), but also lack a fundamental financial education. While the basics of debt management and savings are good places to begin, there's also ample opportunity to explore investing. There are so many shady investment "sources" on the Internet that it can be difficult to find a source which genuinely educates people honestly and transparently. Wall Street Survivor is one refreshingly trustworthy resource. According to Wall Street Survivor, "Our mission is to spread financial literacy. We've stripped away the jargon so that learning how to buy stocks can be simple and fun." The site promises to help newbies learn investment and personal finance topics at their own pace and practice what they've learned through quizzes an interactive games. The site offers courses, an informative blog, and a large library covering a wide range of financial topics, including this video, "What is a Mortgage." (Great to share with prospective first-time buyers.) Check out Wall Street Survivor online today: http://ift.tt/KwRw86

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Is Your Home Ready for Your Retirement? -- AOL Real Estate

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5 Simple Tips to Make Your House Flip Strategy Foolproof!

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5 Simple Tips to Make Your House Flip Strategy Foolproof!

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“If you are immune to boredom, there is literally nothing you cannot accomplish.” (From David Foster Wallace's novel, The Pale King) Passion. Everyone claims to have it. It's bandied about in marketing materials endlessly. "I have a passion for client service!" Or: "My true passion is real estate." We often assume passion is the most common trait associated with champions. Winners. People who pursue something relentlessly. But is it? Passion, if we haul out the trusty dictionary, is defined in several ways: 1. strong and barely controllable emotion 2. a state or outburst of such emotion 3. intense sexual love 4. an intense desire or enthusiasm for something (Hmm... if you're selling my home, there's at least one on that list I'd rather you not have!) In truth, I'd rather you not rely on any of them. Even enthusiasm. As a high percentage of married couples will tell you: Passion cools. Enthusiasm dims. Champions are not built from passion. Passion may attract, it may catch the eye, but it is largely the domain of the impetuous. When enthusiasm wanes, boredom takes hold. Boredom is far more powerful a force than passion. Like a rocky bluff before the relentless sea, boredom can undo even the loftiest overlooks. Those who rely on passion to carry them are at a distinct disadvantage. Those who refer to passion as their cornerstone will inevitably change their behavior when their mood changes. When passion fades and boredom sets in? The passionate will behave like the bored. Those winners who go the distance do not allow passion or boredom to sway their behavior. They are the ones who can endure an endless chain of "next right actions" to attain their goal. They trust the process. If there are days you feel boredom, don't beat yourself up. Don't assume there's something wrong with you if you're not brimming with enthusiasm over that split-level ranch house listing built in the 1960s. If you're showing up and you're doing what needs to be done in the face of boredom, congratulate yourself. You're behaving like a champion.

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5 Smart Housing Rehabs Whether You’re Staying or Selling

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Wanted to invite everyone to my open house tomorrow from 1 to 4 at 395 Garfield Ave. (Lincoln Park) in Pomona. 2800 square feet, 4 bedrooms, 2.5 baths on .37 acres. this Victoria beauty has only had 4 owners and is in pristine condition. New baths and kitchen.

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7 Major Cities Where Rents Are Now Below Average -- AOL Real Estate

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This is the email I received after my young clients were informed that their new home had recorded and was really theirs. "YEEEEAAAAAAAAAAAAAAA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Finally, after all that searching, paperwork, bank statements, emailing, rate lock extensions, telephone calls over 3 time zones, and our notary experience, it is finally OURS!!!! Thanks for letting us know the moment you knew. Thanks for putting us in the most debt in our young lives!!!"

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Great day. Closed escrow for my great client in New York. I do love email, messaging and Docusign. Almost completely paperless deal. Yay trees.

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Don’t Wait: Home Repairs that are Cheaper in Spring

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Don’t Wait: Home Repairs that are Cheaper in Spring

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Spring 2014 Looks Great for the Real Estate Market | Top Cultured

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5 Myths and 5 Truths About Selling Your Home | Zillow Blog

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How sweet it is. Took my belt in another notch That means another 1.5 inches off of my waist. Down to 253. I have lost 50 pounds and gone from size 24 to 18. 60 pounds and 2 more sizes to go

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10 fastest growing cities

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Buying a Home With No Down Payment -- AOL Real Estate

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5 Steps To Retire Debt-Free

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How to Budget for Buying a House

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3 reasons THIS spring could save chilled housing

Good news is always fun to pass along.

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Homebuying: How to Choose Between New or Existing Dwellings -- AOL Real Estate

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3 reasons THIS spring could save chilled housing

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Perfect Potatoes

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Perfect Potatoes

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How a Condo Can Be a Cost-Saver -- AOL Real Estate

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25 Biggest Real Estate Mistakes (and How to Avoid Them)

I love HGTV and most of their programs. Enjoy.

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25 Biggest Real Estate Mistakes (and How to Avoid Them)

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Be Alert to Today's Hidden Costs of Homebuying -- AOL Real Estate

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Top 10 States With Exploding Home Prices

Not another bubble please. Just a normal market where we can all earn a living with a bit of hard work.

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It's Still Cheaper to Buy than Rent...for Now

Well - that title says it all.

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OK this is just to funny, at least to me, not to post. Huge bus parked by the dump station here in Pedley with at least 8 Homeland Security agents trying to figure out how to use the dump station correctly and which thing to turn to empty their holding tank. Head scratching and a lot of talking and advice going on. Does that scare anyone? laughing my head off------------------

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It's Still Cheaper to Buy than Rent...for Now

Well - that title says it all.

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Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or Riverside County |...

I’m here to save you pain, buyers. There are myths about the home shopping experience that must be addressed. I like to make the home buying experience as stress-free as possible, so please hear me out on these three big myths about home buying: Myth #1: “That house has been on the market so long I bet we can work the seller down easily.” Not necessarily. Exceptionally high days on market could mean almost anything. The seller could be bullheaded about their price. The seller may not be particularly motivated to sell for emotional or other personal reasons. Don’t forget: A sales-weary seller isn’t likely to respond to your host of rational reasons why their house should be a bargain. Myth #2: “I want to look at foreclosed homes because they’re a real bargain and the banks need to unload them.” Banks, like entrenched sellers, don’t always make decisions which seem rational based on obvious information. You can have a hard time divining the reason a bank chooses to reject an offer for a foreclosed or distressed property, and their decision may be based on financials which seem counterintuitive. The truth is, many distressed sales can be longer and more fraught than regular sales. Myth #3: “I liked this house a lot, but with this market, I bet it will still be there if I decide to buy it.” It’s very, very painful to see a client love a home but fail to make a move to purchase that home. If you fell in love with it, why wouldn’t someone else? Just because a property has been on the market a little while doesn’t mean it will stay on the market. The bonus myth in this one? Your “perfect” home is probably going to be a home with some small compromises. If you don’t make an offer on a home, you’re effectively saying, “I’m comfortable losing this home.” My job as an agent is to represent your interests and do my best to protect you along the way. If you’re pursuing a home purchase in the near future, please get in touch. There are many other ways I can lower your stress and help you find a great home: http://ift.tt/1cJ58fS, http://ift.tt/1lcVzOA

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It's Still Cheaper to Buy than Rent...for Now

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Top 10 States With Exploding Home Prices

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“A home is not mere shelter: its essence lies in the personalities of the people who live in it.” H. L. Mencken US editor (1880 - 1956)

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“The really important kind of freedom involves attention, and awareness, and discipline, and effort, and being able truly to care about other people and to sacrifice for them, over and over, in myriad petty little unsexy ways, every day.” -David Foster Wallace (February 21, 1962 - September 12, 2008), American writer

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13 Things You Didn't Know You Should Ask When Renting An Apartment

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13 Things You Didn't Know You Should Ask When Renting An Apartment

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OK . Happy dance. I now weight 255# and am officially a size 18 (a bit loose grin) I am so excited to see my body melting slowly away, to know that this time I will make it. I have fought and cried and been major depressed because of my weight. It was such a relief to be told what was wrong and why the weight wouldn't come off unless I staved and walked 4 miles a day. Now I eat sensibly (1600 calories/day) exercise 3x per week and presto 3 to 5 pounds a month, slow but sure. Thank you, thank you, thank you Dr. Moola. Oh, no magic pills, or drugs. She just fixed my hormone balance.

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5 ways your home is changing

Now I kinda like the look of this home. Certainly not a boring facade.

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5 ways your home is changing

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Buying A House? Here Are 6 Reasons To LOVE A 20% Down Payment

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Homes Under $100,000 With Curb Appeal | Zillow Blog

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“Finish each day and be done with it. You have done what you could. Some blunders and absurdities have crept in; forget them as soon as you can. Tomorrow is a new day. You shall begin it serenely and with too high a spirit to be encumbered with your old nonsense.” -Ralph Waldo Emerson (1803 − 1882); Philosopher, Poet, Author, Essayist

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Homes Under $100,000 With Curb Appeal | Zillow Blog

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Well, my day is just made. Happy dance and ego in the clouds. This is a note one of my clients sent me - "Thanks for everything, specifically to recommend us this house (I would have never found it on our own) and for your recommendation (and very quick if I may add) on home inspectors in the area. You are a valuable resource!!!!" I shall glow all day.

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Here is the flyer for my lovely Victorian listing in Lincoln Park in Pomona. It is such a breathtaking place and the pictures do not even begin to do it justice.

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Best Ways to Buy Foreclosures in a Seller's Market -- AOL Real Estate

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Best Ways to Buy Foreclosures in a Seller's Market -- AOL Real Estate

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How to woo younger home buyers - MSN Real Estate

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California Trail Trials

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Many home remodeling projects do wonders for the value of the home. Certain upgrades and renovations pay dividends when it comes time to sell, and you often can recoup the money you’ve invested in the upgrade. There are exceptions, however. And one stands head and shoulders above the rest (or should I say below) when it comes to return on investment: The home office. Surprised? It may seem like a home office would be a boon for your home at sale time, especially considering the number of people who telecommute and work online. But the fact of the matter is, a home office seldom recoups more than 45% of the money invested in the remodel. Why? Multiple factors. First, even people who work at home often don’t work at home. When was the last time you walked into a coffee shop and didn’t see a laptop open? Many people still find space outside the home to work. Second, a full-on home office renovation often takes up a bedroom which new owners might want to be able to convert back into a bedroom. If you’ve spent the time and money having built-in furniture added, media wiring, and other “office like” details installed, it represents a cost to restore or lost-usage for the new owners. Of course, if you need a home office and want to have the home office of your dreams, it might be worth it to you to put the return on investment aside. But don’t undertake the project thinking it will pay off down the line. Curious which home remodeling projects pay off at the sale? Let’s talk about what you’re considering: 909 223-1094, http://ift.tt/1cJ58fS, Sharon@sharonshepherd.com Like me on facebook: http://ift.tt/1lcVzOA

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Information on Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or...

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Here's How Much Money You Must Earn To Buy A Home In 25 Big US Cities

This is very interesting indeed.

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Here's How Much Money You Must Earn To Buy A Home In 25 Big US Cities

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5 Things You Should Always Do Before You Buy a Home - DailyFinance

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Quick Tips: Keeping up with home maintenance costs

More goodies for my "honey" to "do"

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Quick Tips: Keeping up with home maintenance costs

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10 Romantic Rooms You Won't Want to Leave -- AOL Real Estate

Ok, I am not a romantic - but - I could spend a bit of time in these and maybe soak up a romantic thought or two.

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A Very ACCURATE HOROSCOPE FOR THE YEAR 2014! Very Spooky! - Seriously, For Real?

Very amusing. I read em all.

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Information on Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or...

“Advice to children crossing the street: damn the lights. Watch the cars. The lights ain't never killed nobody.” Jackie "Moms" Mabley (born Loretta Mary Aiken), American standup comedian "But I had the light," is probably one of the most common phrases spoken after a car accident. Green means go for me, red means stop for them. Before you know it, you're on the phone with your insurance company. Who doesn't remember an adult reminding them to "look both ways before you cross the street"? It seems like common sense so basic we wouldn't even need to teach it. But it's funny how that lesson, which seems so obvious, is often lost in other areas of our lives. Take, for instance, the raft of real estate market data you hear every month. What's new construction looking like? How did pre-existing sales do last month? What's it look like in the greater metro area for condo prices? To a certain extent, these are just the traffic lights of real estate. Agents help you look both ways before you act on those "trusted" signals. Knowing the local market doesn't necessarily mean knowing the big numbers. It means knowing the specifics. It means knowing how to interpret market activity tailored to the needs of my clients. Metaphorically, it's my job to be a good scout and protect client interests as they "cross the market" (and that includes not getting hit by a bus-sized bad move). Reporting always lags behind reality, though the delay may be small or large. Local agents are the best real-time readers of neighborhoods and inventory. Don’t get too nervous about what you hear in the news. Talk to someone who’s out there making it! Keep your eyes open our there, and best of luck this week! Get in touch if you’re thinking about making a move soon: Sharon 909 223-1094, sharon@sharonshepherd.com, http://ift.tt/1cJ58fS

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Information on Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or...

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Everyone's invited to my open house tomorrow 1-4 at 395 Garfield in Pomona. Fantastic Victorian Heritage house that has had loving care are it's life. Upgraded electrical and plumbing, new kitchen and baths. It is lovely and then some. Come see for yourself.

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10 Romantic Rooms You Won't Want to Leave -- AOL Real Estate

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It’s Tax Time! See Tax Breaks for Homeowners | Zillow Blog

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2013-14 Cost vs. Value: Remodeling Pays Off Big Time

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Mother/Son Wedding Dance Goes From Cute To Epic [VIDEO]

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For Renters: 5 Essentials When Choosing a Neighborhood -- AOL Real Estate

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Do you know what is so great about losing so much weight? I can touch my toes. But, better than that, I can tie my shoes and breath at the same time.

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For Renters: 5 Essentials When Choosing a Neighborhood -- AOL Real Estate

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These Are the 8 Most Common Homebuying Mistakes Foreclosure Experts See

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My two beautiful grand daughters Lilly (blond) age 9 and Risa age 11 won 1st and 2nd place in their schools science fair. Risa's was on Reflexes and Lillys was Osmosis. Just a little proud.

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My two beautiful grand daughters Lilly (blond) age 9 and Risa age 11 won 1st and 2nd place in their schools science fair. Risa's was on Reflexes and Lillys was Osmosis. Just a little proud.

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These Are the 8 Most Common Homebuying Mistakes Foreclosure Experts See

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Real Estate 2014: The New Wisdom -- AOL Real Estate

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Average 30-year mortgage rate falls to 4.32%

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Average 30-year mortgage rate falls to 4.32%

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Five Resolutions For The Home Buyer

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Five Resolutions For The Home Buyer

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10 U.S. Cities That Will Be Even LESS Affordable In 2014

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OK everyone. My open house starts at 1:00 at 395 Garfield in Pomona. Please come see it.!!!!!! It is right off of Garey and McKinnley.

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Information on Selling or Buying a Home in Riverside Corona Norco Chino Nuevo Perris or...

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Prices, Coupons and Information - GoodRx

This is a fantastic article on Generic Drugs, a real eye opener sent to me by Scott Levitt of Real Helper. GoodRx: Prescription Price Protection A recent PBS Newshour feature revealed how generic drug pricing can vary widely, so much so that one cancer survivor was quoted prices as high as $400/month for a life-saving drug while other pharmacies sold it for $10/month. The story behind generic drug pricing is eye-opening, and for many the education can be the difference between life and death. One online service designed to help consumers make better choices about where they purchase their medications is GoodRx. The site (and app!) empowers patients in multiple ways. From the website: Compare prices for all FDA-approved prescription drugs at virtually every pharmacy in America. Find pharmacy coupons, manufacturer discounts, generics, comparable drug choices and savings tips all in one place. Save up to 80% at local pharmacies you already know. We'll even send you refill reminders and alerts when prices change! Got insurance? GoodRx can often beat your co-pay or help with drugs that aren't covered by your plan. Don't fall into the generic drug price trap. Save yourself and your clients money by connecting them with GoodRx: http://www.goodrx.com/

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Key U.S. Mortgage Rates Dip for Second Consecutive Week

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Ok, this is just to funny not to share. I don't know how many of you real estate agents use Lead Router like C21 does but I have absolute proof that they do not screen anything. I received a lead this morning with the Buyer's name being a web address in spanish, the phone number was and international one and the buyers comment was "Free Viagra Samples" I was rolling on the floor.

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Key U.S. Mortgage Rates Dip for Second Consecutive Week

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Freddie Mac Outlines 4 'Positive Indicators' For a Full Housing Recovery

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Freddie Mac Outlines 4 'Positive Indicators' For a Full Housing Recovery

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Foreclosures hit six-year low in 2013

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Foreclosures hit six-year low in 2013

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Credit Score Sabotage: 5 Common Ways You Can Undermine Yourself -- AOL Real Estate

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Everyone in Riverside area, remember my open house today in Norco 1-4. Move in ready pool home with horse facilities. 175 Rawhide. Hope to see you there.

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OPEN HOUSE !! Saturday from 1 -4 in Norco at 175 Rawhide right off of Crestview. 4 bedroom 2 bath horse property with a pool, barn and large shop/storage shed. Move in ready. Come and see it.

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Credit Score Sabotage: 5 Common Ways You Can Undermine Yourself -- AOL Real Estate

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Credit Score Sabotage: 5 Common Ways You Can Undermine Yourself -- AOL Real Estate

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HelloSign

Cheaper than Docusign.

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Homes Under $100,000, Near High-Ranked Schools -- AOL Real Estate

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How to drive across the USA hitting all the major landmarks…I would love to do this some day. I...

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New Mortgage Rules: 4 Things You Need to Know -- AOL Real Estate

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My poor hubby just lost his best friend and fishing buddy to a heart attack. What a bummer for him. They had been friends for over 40 years.

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The 15 US Cities That Are Driving The Future

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OK all. You are invited to an open house I am holding 1 - 4 this Sunday at 395 Garfield in Pomona. It is an absolutely fantastic Heritage Victorian in Lincoln Park in Pomona. 4 bedrooms 2 bath, remodeled Kitchen and bathrooms. Lush, lush landscaping with private patios and sitting areas. Price at $690,000 this is home to be proud of. Bring your buyers or come and buy it yourself.

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The 15 US Cities That Are Driving The Future

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What's ahead for 2014 housing market

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What's ahead for 2014 housing market

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Sharon Shepherd, Realtor, ePRO, CHS

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Sharon Shepherd, Realtor, ePRO, CHS

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NEAT TIPS FOR REUSE AND RECYCLING A client of mine was recently preparing her house for the market and in the process of cleaning out the garage began to wonder if there were ways to keep more stuff out of the landfill through reuse or recycling. She found some great ideas online. Since I know you care about the environment, too, I thought you might find these three tips interesting: Did you know you can bring those styrofoam peanuts to pack-and-ship stores? They’re happy to reuse them. Not only does it cut down on the new packing materials they have to order, but it also keeps them out of the ground for the next million years! Don’t recycle wire clothes hangers. Reuse is a much better option. Dry cleaners will take back wire hangers just like shipping stores will reuse styrofoam peanuts. Keep wine corks out of recycled wine bottles. Not only do the corks cause problems for recycling centers (they have to get them out of the bottles), you’re missing out on an opportunity for the cork to be put to good use. Even natural corks don’t compost well. Many liquor stores and wineries have a barrel handy for wine corks, and the cork is recycled into flooring material, sandals, and other durable barriers. Do you have any other tips to share? I’d love to add them to the list, and I’m sure they’ll come in handy as I help others prepare their homes for sale.

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Sharon K. Shepherd

Something I thought you might find interesting Sharon Shepherd, Realtor, ePRO, CHS

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Sharon K. Shepherd

Something I thought you might find interesting Sharon Shepherd, Realtor, ePRO, CHS

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