I just love outdoor rooms with draperies!
http://realestate.msn.com/20-outdoor-room-ideas#1 Lisa Schoeffler, CRS, ASP
Prudential California Realty
805-766-7373
GaryandLisa.com
A member of HomeServices of America, Inc.
a Berkshire Hathaway affiliate
1. Access to transportation
2. Good Schools
3. Nearby amenities
4. Area Architecture
5. Reputation
6. Parks and outdoor spaces
7. Low crime rate
8. Your neighbors
9. Local economy and stable home values
10. Proximity to cultural experiences
Lisa Schoeffler, CRS, ASP
Prudential California Realty
805-766-7373
GaryandLisa.com
A member of HomeServices of America, Inc.
a Berkshire Hathaway affiliate
Interest rates on fixed-rate mortgages broke all-time record lows, Freddie Mac said today, announcing the results of its weekly mortgage survey.
- 30-year fixed-rate mortgages: The average 30-year home loan was 3.84%. Borrowers paid an average 0.8 point (a point is 1% of the loan amount). That's down by 0.04 of a percentage point from last week. This week last year, 30-year rates averaged 4.71%.
15-year fixed-rate mortgages: Borrowers scored an average rate of 3.07% on 15-year loans, paying 0.7 point. That's a 0.05 drop from last week. This time last year 15-year rates averaged 3.89%.
Create little morning moments
Snuggle and cuddle
Make up special stories
Ask for help
Break the rules
Have fun at bedtime
Get silly
Use your words
And just pay attention to the little things
Lisa Schoeffler, CRS, ASP
Prudential California Realty
805-766-7373
GaryandLisa.com
A member of HomeServices of America, Inc.
a Berkshire Hathaway affiliate

Taxes are complicated, but some rules are simple. Respect these three rules, and you’ll reduce the chance of coming to grief with the Internal Revenue Service.
1. Keep business and personal affairs separate
2. Keep good records
3. Respect and keep those 1099s
Lisa Schoeffler, CRS, ASP
Prudential California Realty
805-766-7373
GaryandLisa.com
A member of HomeServices of America, Inc.
a Berkshire Hathaway affiliate