Newspaper Archive of
The Julian News
Julian , California
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August 25, 2010     The Julian News
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August 25, 2010
 

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8 The Julian News August 25, 2010 $398,900. Country Charmer close to town on 4.9 3 bedroom 2 bath, 1600 sq. ft. historic look lovely wooded lot call Bonnie at 619-992-3868 acres. Master bedroom, large extra room, many windows, light & bright. Water meter and well. $219,000 Paul Bicanic, Broker f-FREE Parking at Wynola Farms Marketplace Commercial Building For Sale or Lease 2216 Main St., Julian $599,000 1500 Sq. Ft. - Onsite Parking Call for Details 760-765-1580 or 760-271-7670 or 505-783-4152 Fabulous views from this large usable parcel. Approved for PK residemee. Cam build (/.] homes legally. Priveway amd pad roughed ira. geasomal creek with area suitable for pond. Part o{ lamd was previously terraced for orchard. Toms of Oak Firewood to be harvested. good for horses. + 19,000 I Z /lores - Very Private Pime Hills Land. Views to The Coast and Owamasas. Near the emd of Quiet Oaks Trail. Horses OK. SilL[?. WILl. TEAI/[ - FLUS CAgH - FOg. A JULIAN ,glI/ENCE q.89,000 S.ll Acres -- Private with Well, Peg mmel, Storage Puildimg. +199,999 Z.9 Acres -- Fabulous View Property. Septic Approved for Ped )om Kesidemce. All Utilities at Property. Water Meter Installed. Lots of Usable Lamd for orses, #ardem. + 199,000 Vro e, are +o,+ + r re is telepho derqround to e=h pared. Some have water eeeters, somme need wells. All orysMIg approved for $ Fed Eoom redde ees. uitable for maeu aelured ho es. 1 Acre -- orgeous, 91opimc$ Puildable Parcel IV, educed To gell .+ 0,000 Z.6J Acres -- Fabulous View. eller Will Provide ,%ptie Layout with acceptable offer ................................... +| : F,000 Z.94 Acres -- Large Parcel with Water Meter ........... +98,000 Z.5 A res -- Fabulous views h'om The Coromados to lememte. orders tate Park. Approved eptio Layout for Ped Koom residemee. Priveway amd Fad roughed im ............ +98,000 Z.5 Acres -- All underground utilities, Septic layout approved for PK resideme, lots of Oaks. Asphalt Paved - +-1 F0,000 Acres --- Approved Plains for Ped Koom, ZPaTh, Z400 g.F. F, esidemee, Coum'y approved radieg Plan, Approved l P,.oom Septic layout, Water Mmr, I II Rabobank Acquires Deposits, Certain Assets And Liabilities Of Butte Community Bank And Pacific State Bank Transaction Significantly Expands Rabobank's Presence In Central Valley Continuing Tradition Of Community-Involved Banking August 20, 2010 -- Roseville, CA- Rabobank, N.A. tonight announced it has acquired all deposits and certain assets and liabilities of Butte Community Bank and Pacific State Bank from the Federal Deposit Insurance Corporation (FDIC), effective immediately, Part of global financial services leader Rabobank Group, Rabobank, N.A. is a $10.2 billion community bank providing full retail and commercial banking services primarily in non-metropolitan markets across a 700-mile expanse of California. The transaction is a significant step forward in Rabobank, N.A.'s growth strategy and is highly synergistic, combining community banks with similar business lines and little geographic overlap. The addition of the banks significantly expands Rabobank's footprint, creating a 120-branch retail banking franchise which extends from the Imperial Valley up through the Central Valley and throughout the Central Coast. The acquisition also gives Rabobank a well- established platform from which to further expand its business in areas it has targeted for growth. Butte Community Bank and Pacific State Bank customers should continue to conduct their banking as they have in the past and have confidence in the safety of their deposits transferred to Rabobank, N.A. Butte Community Bank and Pacific State Bank deposits are now deposits with Rabobank, N.A,, and continue to be insured up to FDIC limits. Rabobank, N:A. is backed by the financial strength and stability of AAA rated Rabobank Group, one of the world's safest banks. Rabobank Group and Rabobank, N.A. are well-capitalized and meet the needs of customers without government assistance. Rabobank Group and Rabobank, N.A. are not participating in the U.S. government's Troubled Asset Relief Program nor any assistance programs operated by other governments. "We are pleased to welcome Butte Community Bank and Pacific State Bank customers to Rabobank," said Ronald Blok, CEO of Rabobank, N.A. "Now as customers of Rabobank, they can have confidence in the safety of their deposits and the soundness of their bank. These organizations have much in common with Rabobank, most importantly a strong commitment to community banking, personalized service, and local investment. By combining these franchises, we will be able to offer all our customers increased convenience with a more extensive network of branches and ATMs, and able to provide Rabobank banking products and services to a broader range of clients. We'll do this while continuing to meet the high standards for service excellence and community engagement to which Rabobank and Butte Community Bank and Pacific State Bank have tong been committed." Butte Community Bank and Pacific State Bank customers will soon receive more information from Rabobank about the transition. The banks' branches are now operated by Rabobank, N.A. and are being rebranded with the Rabobank name and logo. Rabobank plans to complete the system and franchise integration next year. "The transaction has tremendous strategic value," Blok continued, "in that it gives Rabobank an immediate and broad presence in communities where we have planned to grow and where we can increase our service to local businesses, farmers, and individuals. In addition, these banks are a highly complementary geographic fit. This is a great opportunity for us to deepen our existing customer and community relationships and to build new ones through continued investments that enhance our customers' experience." Butte Community Bank was a $499 million community bank based in Chico with 14 branches concentrated in Butte County and the surrounding counties. Established in 1990, the bank offered insurance, investment services and payroll services along with traditional banking products. Pacific State Bank was a $312 million community bank based in Stockton with 9 branches primarily in San Joaquin County and the Sierra foothills, with an additional branch in the Bay area. Pacific State Bank was founded in 1987 to serve the local business community. Rabobank began its California retail banking operations with the December 2002 acquisition of Valley Independent Bank and subsequently more than doubled that bank's assets and capital. In January 2006, Rabobank acquired Community Bank of Central California, adding 14 branches to its then 26-branch network. The January 2007 acquisition of Mid-State Bank & Trust added 41 branches to Rabobank, N.A.'s franchise. In 2009, Rabobank, N.A. opened eight branches in the Modesto- Merced area and one in Carpinteria. In 2010, the bank acquired Napa Community Bank and will open new branches in Visalia, Tulare and Bakersfield (2) later this year. - Credit -- A Special This week since we are all doing so well in trying to follow the first six principles, I am going to go off on a little tangent, and next week we will get back to Principle 7"Always Look at the Big Picture". This week we are going to talk about "Credit" and how it defines us and how it affects our daily lives. There is always one question I ask people when the subject comes to money. When is the last time you looked at your credit reports? It is free every year, at www. freecredirreport.com You need to do this ASAP, because I can guarantee, everyone else out there that is making a financial decision about you is looking at it. We all know that when we want to buy a car or house, banks will look at your credit, but did you know that when you go to get a job they look at your credit as well, and even some companies are looking at your credit to determine promotions. I met a gentleman last month who was looking to get some errors taken off of his credit report, because that is one of the things that I do. I help people fix their credit reports and get their credit scores into high 700's-800's. He approached me because he had been up for a promotion to Senior Manager; he had been with the company for 15 years and was by far the most qualified, until they had looked at his credit report. He had not looked at his credit report in 4 years, because he felt he was paying his bills on time and did not have high debt amounts. What he did not know was that the Credit Reporting agency, that the company used to pull his credit, had been reporting a property foreclosure on his report for the past two years that was not his, this also pulled his credit score down to 623. By the time he figured this out and we got it fixed, it was too late he had already missed an opportunity for the promotion. His company felt that his financial integrity was questionable, and they gave the job to someone else. I hear these types of stories every day and the main cause of the issue is not tracking your credit report and credit score. Our company alone over the past 6 years has removed over 600,000 derogatory items and over 50,000 public records from people's credit reports. Companies are looking at credit reports for many different reasons. In some states, electric companies are checking credit reports to determine how much a person will pay for electric. Other states the Insurance Companies are looking at credit reports and scores to determine how much a person will pay for automobile or home owners insurance. I would be asking my insurance company if they are doing this. In this economy I can understand that there is a lot of late payments, foreclosures, errors on credit reports, because the issue is massive and across the world, what I can't understand is how large companies are able to do this and get away with it. I believe in a company making a profit, it is the American way, but for a company to make gross (sickening) profit off of people because they are struggling, just makes me mad, and the fact that our elected government agency officials let them get away with it, makes me furious. What is a good FICO score, most people do not know? FICO scores range from 300-800, today a 750 or above is an ideal score to provide the best benefits. The lower the credit score the more interest you will pay, which means the more you will pay for a product in the end, sometimes, hundreds of thousands more on a mortgage or even ten of thousands more on a car loan. If you.want to know more about your credit score, go to www.united-credit. org United Credit Education Services, and click on FAQ's and Credit Education tabs, it will tell you all you wanted to know from a source that wants to ensure you get all the right information. One last thing before I go, there are three major credit reporting agencies, Transunion, Equifax, and Experian. Credit Reporting Agencies are privately owned companies; they are not part of any government agency, although there are people out there who would want you to think that. We all need to take action for ourselves and defend ourselves first before anyone can help us. Go get your credit reports and scores and see where you stand. There is hope for a brighter financial future for all of us, we just need to take action. If you want to know more or you have questions give me a call at 619-922-1216, we can talk and even meet up for a conversation and I am always looking to meet new people, I live local in the Julian community, or email me at apkfinancial@yahoo.com. Until the 1700s, ballerinas wore long, heavy skirts, tight corsets and heeled slippers-all of which limited their ability to jump and perform other energetic movements. Create "defensible space" around your home, plan to evacuate early, and make BAI|I|ICAI)I II part of your wildfire safety plan. BAI|I|ICAi)E I! Fire Blocking Gel has saved hundreds of homes across the US, including San Diego County. The gel is easy to apply with a garden hose and mil mum 40psi water pressure when wildfire threatens your community. BAI{I{ICAi)I I! helps protect your house against flying embers, radiant heat, and lirect flame contact. 100% non-toxic and biodegradable. Home Kits $350.00 each plus tax. Includes free site visit and delivery.