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
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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.
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