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The Julian News
Julian , California
October 31, 2012     The Julian News
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October 31, 2012

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October 31, 2012 The Julian News 7 p by Juli Zerbe Julian Short Sales OPEN MONDAY- FRIDAY 8:OOAM TO 5PM Short sales are on the rise in Julian and throughout the country. Short sales currently represent about 15% of the sales so far this year• This corresponds to a decrease in foreclosures as lenders now more than ever, want to cooperate on short sales rather than proceed with expensive foreclosures• So you ask: what is a short sale? A short sale is the sale of a home for a price that is lower than the amount owed on the home. For example: a couple owns a home and has a $300,000 mortgage. The couple runs into an economic hardship of some sort and consequently decides to sell the home• HoWever in the current market the home is worth only $200,000• So they ask the bank who holds the mortgage if they can go ahead and sell and pay only part of what is owed. In many situations the banks agree to this in order to avoid foreclosure. Banks and lenders want to avoid foreclosure for many reasons such as: avoiding the legal expenses involved in foreclosures, short sales take less time for a bank to go through than foreclosure, the house transfers from one party to another without the bank having to do a lot of cleanup, repairs and maintenance, the houses do not sit empty as eyesores and health hazards in a community, the bank never has to take ownership of the house so there less hassle and liability• Banks are also given Federal Government incentives through the Home Affordable Foreclosure Alternatives (HAFA) program• It is understandable why the banks would rather do short sales than foreclosures. But what are the advantages or disadvantages for a home owner faced with the decision to either let their home be foreclosed on or to attempt a short sale? There are several advantages for homeowners to do a short sale rather than a foreclosure. Their credit rating will only be negatively affected for 2 years on a short sale and 7 years on a foreclosure. The seller in • a short sale transaction will be able to buy a home 5 years sooner than the folks who allowed their houses to go to foreclosure. Some banks offer shprt sale incentives such as up to $30,000 for relocation expenses. This is a huge incentive for people who are struggling financially• Americans are a proud people and there are stigmas associated with a foreclosure. People feel shame• A short sale allows individuals to deal with financial hardship in a more graceful way with the agreement of lender, it is much more socially acceptable. Not everyone qualifies for the short sale option• Basically in order for the bank to approve the short sale the seller must document a true hardship and the house must be worth less than what is owed. The other folks who benefit from short sales are the buyers who can buy a home for less than they would pay for the same home if it were a traditional sale• On average nationally, short sale houses sell for 21% lower than non-distressed sales• The greatest disadvantage to a buyer is that a short sale takes a long time to close because the banks are slow to process the short sale proposals• However it can really be worth the wait for a great deal. If you are struggling to make your house payments and need assistance please consult a local real estate agent. In Julian we have compassionate agents who can help you through this difficult process and time in your life. Melo-de Savage of Julian Properties is a designated HAFA Short Sale Specialist• She is the only agent in Julian with this designation, has done short sales and has specialized education to help you. Give her or another trusted Julian agent a call. A brief, confidential phone can determine if you are qualified for a short sale and will help you get started to successfully sell your home. 'Here are the July, August and September sales statistics for the Julian and Santa Ysabel Zip codes: In July 2012 there were nine sales closed. This compared with 1 sale in July of 2011. Looking good! In August 2012 there were 7 sales. This compared with 6 in 2012. Still looking better than last year. In September of 2012 there were 10 sales compared to 8 in 2012. The great trend continues• The most notable sale for September was brokered by Julian Realty of Julian. The sale was a 3922 sq ft, Deer Lake Park Road masterpiece, situated on 4.68 acres that sold for $800,000. Year to date, as of September 31st 2012, there have been 68 properties sold compared to 53 for the same period in 2011. The Julian/Santa Ysabel market is showing steady improvement. Julian offices are experiencing a lot more walk-in traffic and phone and internet inquiries as well. Juli Zerbe is an associate broker with Julian Properties. She was raised in Julian from birth has a broad knowledge of the area. Her first job at 14 years old was at the soda fountain in the Tozer Drug Store (currently the Miner's Diner,) After high school she earned a B.A. at Point Loma College, lived in the Napa Valley and Bay area for a bit and traveled in Europe. At the age of 24 she returned to her roots to marry, raise two wonderful daughters and eventually launch a career in real estate. Juli was licensed in 1998 and became a broker in 2003 and has worked diligently to learn the complexities of back country real estate. "Professional real estate with old fashioned integrity" describes her practice. Juli, along with her husband Joe Hutchinson, has rehabbed and sold numerous properties and currently own 8 rentals in Alabama, Texas and California. Herinterests include: community involvement hiking, historic preservation, oil painting, sustainable living and gardening. Sewing The Community We Live/n For Over 60 Years ommercial OO0 ial OO0 Payment ptions ",~:~'~L.~ !~˘:[ L1,t/J COUNCIL 24 Hour Emergency Service The World Series Comes To Julian by Jim Kentinthaller Justin Verlander is hours away, as this is being written, from toeing the rubber and throwing the first pitch as the Detroit Tigers get ready to host the San Francisco Giants in the 2012 World Series. At almost the same time, the Julian Youth Baseball Board was meeting with their new District Administrator and Umpire -In- Chief to get to know each other, and begin the serious planning for the 2013 season of Little League Baseball and Softball for the kids of Julian. On Sunday October 21st, the JYB Board met with Pam and Chip to begin a new era of baseball and softball for the kids and their families in our friendly mountain community. The general consensus seemed to be, that while there are always some bridges that need to be crossed and valleys that need to be navigated, the outlook for youth baseball in Julian is only going to get better and brighter in the years to come. With 32 years of combined volunteering with Little League between Pam and Chip, as well as over 30 years from the JYB board itself, everyone feels as if now is the time for the kids of Julian to reap the benefits of that experience. Of course, saying that and actually doing that, is what separates reality from fantasy, and unlike this authors known love for fantasy baseball (geek), the reality of making those hopes come true, lie deep within our community. We as a board have begun to set our plan in motion with plans for various fund raisers, clinics (for coaches, umpires, board members, and players), as well as next years draft and schedule. With a closer involvement with our new district administrators, we hope to see our kids add as much enjoyment, as well as skill, to their games as ever before. The JYB Board is committed to having all of our plans come to fruition this year and the years• ahead. The determination and hopefulness of everyone on the board is enough to make even the most cynical among us smile A DIVISION OF BORREGO COMMUNITY HEALTH FOUNDATION We accept Healthy Families Insurance JULIAN, CA 92036 (Next To Town Hall) www.julianmedical.com 24 HOUR ANSWERING SERVICE S,~'nio~ Cqre SUNCREST LODGE 34540 Engineers Road and Highway 79 17601 7650065 6-Bed Full Service Hospice & Dementia Case by Case Licen~ :#374601019 You say you don't have enough experience to coach a team? Don't worry. We will have a coaches clinic before the season starts and enough Little League resources at your beck and call to make even the least experienced among you a local coaching legend. The same is true for all who dream of standing behind the plate and yelling , "Yerrrrrr Out!", on a called third strike. Don't let experience, fear, or anything else, keep you from living your own Little League dreams out on your field of dreams also: Parents, talk to your kids about your experience as a kid when you played ball. Relate to them the sound of the ball smacking the glove when you threw a perfect strike to your buddy on the playground. Describe to them how it feels to get good wood on a ball when you hit the sweet spot on a low, outside pitch that you drove to right centerfield for a game-tying double. Draw them a mental picture of the first time you saw a perfectly manicured field that was as indescribable shade of green. And then, after you have taken yourself back to that time, think of the adults who were there for you to help you refine your game and help you to with anticipation. Our goal is to continue your dream of roaming see Jess Martin Park, home of some major league field one day. Baseball and'Softball this coming .... TO those who have- already had your kids go through youth sports, you are more than welcome to come join us. Let the young families in town know what it was like to watch your kids play organized sports. Bring that "experience" you now possess and volunteer to help another generation begin its passage through this timeless game. You too can become some childs wonderful memory of learning how to bunt or throw a knuckle- ball. So when next spring rolls around and your son or daughter get ready to take the field for their first game, they too can begin their own dream of toeing the hill on the bump and see themselves just like Justin Verlander, getting ready to throw out the first pitch in the 2025 World Series. Look for a flyer that will be coming home soon with your kids from school for information on early registration. There will be an early registration discount for everyone who decides to register before the end of the early-bird time period. Try our new and improved website ,too. julianyouthbaseball. org year, become our kids fields of dreams anytime they step on a field, either for practice, game day, or even stopping off with Mom or Dad just to have a catch. Everyone in Julian can make this come to pass by simply volunteering just a little of their time, money, and/or experience. We all understand the demands on our already busy lives. Volunteering comes with a sort of built in pressure for some. Sometimes it seems as if we are somewhat reluctant to volunteer our time for fear of not being able to hold up our end of the bargain or fearing that we don't have the knowledge needed to lend a helping hand. Lets not let that be a deterrent any longer. If you are afraid that yoL don't have the time, volunteer for some extra time that you do have. Help at a concession stand, send out emails and make phone calls to families when needed, drive an extra kid or two down the hill when a team is traveling, keep score of a game, help get the fields ready on game day. There are always small little details that could use an extra body or two to help with their completion. Of course the most needed types of volunteer are coaches and umpires. 1I by Larry Cox Ma[[iages on the M6untain ' • . , Th,l ; Chapla,n call Rev Les;. urneri i# 760-443.3o930 leszmor@a6i rh' VHS Tapes Ben Sulser, District Manager Q: I have almost a dozen VHS tapes, six that have never been opened. They are mostly Walt Disney movies. How can I sell them? -- Sue, Alton, Ill. A: VHS tapes are becoming difficult to sell. In fact, most modern players do not even have VHS ports. Since you live fairly close to St. Louis, one of the better stores that might be able to help you is Record Exchange, a super outlet that specializes in vinyl, CDs, VHS tapes and even a limited number of 78s. The address is 5320 Hampton Ave., St. Louis, MO 63109. Q: I was given a set of four water tumblers made by the Hazel Atlas Glass Company. Do you know anything about this No Appointments Just Come I~ i $30.00 OFFICE i November 10th from 9:00-5:00 November 29th from 5:30-9:30 November 30th from 5:30-9:30 Class cost $20 Please call 760-765-1510 to sign up and i ndicate which class you would like to attend, j All ages boys/girls are encouraged to participate with Elementary, Middle, High School, and Adult divisions available for sign-ups. Male, Female and Co-Ed. Winners will be receive a T-Shirt and Gift Cards. All money raised will go to the Julian High School Boys/Girls Basketball programs. Cost per team is $40 if sign-ups are received by November I and $50 per team if received after November I Please see Yvonne Fleet at the high school office to register your team or call Aaron Warkentein 559-393-6783 or Ryan Cross 951- 313-0166 for registration or general inquiries. Anyone wishing to volunteer goods or services are welcomed--please contact Aaron or Ryan to find out how! company? -- Carol, Albuquerque, N.M. A: The company was established in Clarksville, W.Va., in about 1902. A sales brochure from 1928 claimed that the company was the "World's Largest Tumbler Factory." It is, perhaps, most famous for the iconic blue Shirley Temple glassware produced during the 1930s. Collectors should be aware that the Temple items have been reproduced. Q" While sorting through ome old magazines, I found several I think could be worth money, including Batman & Robin No. 403, The Phantom No. 39, and Superman and Lois Lane No. 105. --Jere, Brownstown, Pa. A: I found your comics referenced• in the Official Overstreet Comic Book Price Guide compiled by Robert M. Overstreet (House of Collectibles, $22). Your comics are valued in the $3 to $10 range, depending on condition. Q: I have a compass that ~s marked "Lee Dawll Short & Mason, Rochester" and dated 1916. Whom can I contact to find out more about it? -- Henryetta, Apache Junction, Ariz. A: Kornelia Takacs buys, sells and appraises older pocket compasses. Contact is kornelia25@hotmail.com. Check out the website at http://www. pocket-compass.com. Q: The handmade wool rug I have features a New England scene and was made by my grandmother in Portsmouth, N.H. What is it worth? -- Sandy, Port Orange, Fla. A: If you have warm memories of your grandmother, it is worth quite a great deal. Write to Larry Cox in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to questionsforcox@ aoLcom. Due to the large volume of mail he receives, Mr, Cox is unable to personally answer all reader questions. Do not send any materials requiring return mail. (c) 2012 King Features Syndicate., Inc. ll•