请点击以下链接，输入zip code即可：
http://relocationessentials.com/aff/aptsearch/tools/crime/crime.aspx
Friday, November 7, 2014
Monday, June 16, 2014
我的房地产讲座(2): Home Buying Process
Every home buying experience is
different. Each has its own twists and turns. But there are general guidelines
as to how the home buying process works. Please keep these in mind before you
buy a home. This speech is to introduce 5 steps in home buying process. Those 5
steps are summarized as “DPHOC”.
D: Deciding to Be a Homeowner
Owning a home at some point in your
life is a good decision. Mortgage payments help to increase the equity
in your house, as opposed to rent checks. Plus, rent usually increases with
inflation, while mortgage payments are generally more stable. But owning a home
is also a long term decision, so there are several things you have to carefully
consider in deciding whether you’re prepared to take the plunge.
Costs
There are lots of costs associated with buying a home. The first considerations are the physical aspects of the house you aspire to own. Maybe you already have a rough idea of the size of house you’ll need. With that in mind, decide how many bedrooms, bathrooms and other features you want. This will give you an idea of how much your house will cost, both in total price and monthly payment (including homeowners insurance). Don’t forget to factor in the money you’ll need for a down payment, closing costs, fees (such as fees for an attorney, appraisal, inspection, etc.), as well as the amount you’ll need to cover the costs of remodeling or purchasing furniture. You can use mortgage calculators to help you with your planning.
There are lots of costs associated with buying a home. The first considerations are the physical aspects of the house you aspire to own. Maybe you already have a rough idea of the size of house you’ll need. With that in mind, decide how many bedrooms, bathrooms and other features you want. This will give you an idea of how much your house will cost, both in total price and monthly payment (including homeowners insurance). Don’t forget to factor in the money you’ll need for a down payment, closing costs, fees (such as fees for an attorney, appraisal, inspection, etc.), as well as the amount you’ll need to cover the costs of remodeling or purchasing furniture. You can use mortgage calculators to help you with your planning.
Also, as a homeowner, you’ll have to
pay things like real estate taxes, school taxes and other taxes that will
affect your monthly payments. Plus, you’ll need to budget for HOA fees,
unexpected repair costs, lawn care, pest control and a potential host of other
things that pop up from time to time. So in your budgeting, you need to
consider your current income against these costs and a mortgage payment.
What’s your lifestyle?
A home isn’t just a house. It’s also a location and a lifestyle. You don’t want to make a decision that you’ll come to regret later. Another consideration to have in mind is how long you plan to be in the home or the area. If you have a more transient lifestyle, then you may want to postpone buying a home until you’re ready. Also, how ready are you for the responsibility of owning a home? Remember, you’re the one who will have to be in charge of its upkeep financially and otherwise. Ask yourself if you are willing to take this on.
A home isn’t just a house. It’s also a location and a lifestyle. You don’t want to make a decision that you’ll come to regret later. Another consideration to have in mind is how long you plan to be in the home or the area. If you have a more transient lifestyle, then you may want to postpone buying a home until you’re ready. Also, how ready are you for the responsibility of owning a home? Remember, you’re the one who will have to be in charge of its upkeep financially and otherwise. Ask yourself if you are willing to take this on.
Motives
Buy a house because it’s the right decision for you at this point in your life. It’s easy to get pressured into buying because it’s the next step in being “grown” or because the market is right. But owning a home is a big commitment. Make sure you’re doing it because you really want to and it’s the right time. Don’t let other people make the decision for you.
Buy a house because it’s the right decision for you at this point in your life. It’s easy to get pressured into buying because it’s the next step in being “grown” or because the market is right. But owning a home is a big commitment. Make sure you’re doing it because you really want to and it’s the right time. Don’t let other people make the decision for you.
P: Getting Prepared
When you’ve decided that you want
and are ready to buy a home, you need to get approval from a lender to get a
loan. But before you can do that, you have to have an idea of how much you can
afford. Your credit will also be a major factor in the loan process.
Credit
A good credit score makes you less of a risk to creditors, so you should always check your credit before applying for a mortgage of any kind. Knowing how you will look to a lender is key. If you have negative marks on your credit, do the work to repair them before you apply. By law, you’re allowed to receive one free copy of your credit report per year. You can do this by visiting any one of the credit reporting agencies or a service like annualcreditreport.com. Scores range from approximately 300 to 850; generally, the higher your score, the better you’ll qualify for a loan.
A good credit score makes you less of a risk to creditors, so you should always check your credit before applying for a mortgage of any kind. Knowing how you will look to a lender is key. If you have negative marks on your credit, do the work to repair them before you apply. By law, you’re allowed to receive one free copy of your credit report per year. You can do this by visiting any one of the credit reporting agencies or a service like annualcreditreport.com. Scores range from approximately 300 to 850; generally, the higher your score, the better you’ll qualify for a loan.
Getting Pre-Approved
A pre-approval means a lender has approved you for a loan at a specified amount based on your income, assets, debt, and credit. It’s the first step to take before shopping for a home. Your lender will provide a letter of pre-approval, verifying the loan amount you’ve been approved to borrow. Most sellers will require pre-approval to validate the sales contract on a home. Pre-approvals can usually be done within 24 hours.
A pre-approval means a lender has approved you for a loan at a specified amount based on your income, assets, debt, and credit. It’s the first step to take before shopping for a home. Your lender will provide a letter of pre-approval, verifying the loan amount you’ve been approved to borrow. Most sellers will require pre-approval to validate the sales contract on a home. Pre-approvals can usually be done within 24 hours.
H: House-Hunting
A home is more than just a
collection of rooms. Several similar properties may represent totally different
designs, commuting distances, lot sizes, tax costs and dimensions—inside and
out. It’s important to have in mind the things you want in a home before you
start looking. Consider price, location, size, amenities, and type. Also think
several years down the road. If you think you’ll need a larger home, or a
larger yard or to be closer to school for the kids, maybe now is the time to
consider all of that instead of having to move again in a few years.
Where to look
Once you know what you want, start looking. It’s important to target your search with basic criteria like location, proximity to schools and work, and other features. Once you have an idea of what you want, contact a local Realtor who can suggest properties. Be sure to do the research and obtain the services of an experienced Realtor who knows the area well. They may also have developed solid relationships with lenders that may prove useful. You can also check area real estate listings online and select several houses to visit.
Once you know what you want, start looking. It’s important to target your search with basic criteria like location, proximity to schools and work, and other features. Once you have an idea of what you want, contact a local Realtor who can suggest properties. Be sure to do the research and obtain the services of an experienced Realtor who knows the area well. They may also have developed solid relationships with lenders that may prove useful. You can also check area real estate listings online and select several houses to visit.
O: Making an Offer
Once your loan has been pre-approved
and you’ve found a home, you need to make an offer to the seller, and if
accepted, secure a contract to purchase the property. Usually there’s a bit of
haggling involved between the buyer and seller, so sellers may price their
homes a bit higher. As a general rule, it’s good to start about five percent
below the asking price. Once you’ve made an offer, it doesn’t necessarily mean
it’s final. The seller can make a counter offer and you can counter again. Once
you’ve agreed on a price, you’ll make an earnest money deposit, which is money
that goes in escrow as a sign of good faith that you
intend to purchase the property.
Inspection and Appraisal
A home inspection safeguards you against unforeseen problems that could pop up down the road. A typical home inspection includes testing electrical and plumbing systems and appliances, and evaluating the home’s roof and exterior structure and foundation.
A home inspection safeguards you against unforeseen problems that could pop up down the road. A typical home inspection includes testing electrical and plumbing systems and appliances, and evaluating the home’s roof and exterior structure and foundation.
A similar but separate process is
the appraisal. An appraiser will determine how much the house is really worth
by comparing it to other similar homes on a number of features like lot size,
square footage, etc. Your lender will order an appraisal of the home you intend
to buy. You don’t have to be present. Your Realtor or the seller can let the
appraiser into the home. The lender normally sends a copy of the appraisal to
the buyer.
C: Closing
Closing on a home means that the
sale is complete, and all the terms and conditions of the purchase agreement
have been met. At this point, the seller gives the buyer title to the property.
There are fees and expenses associated with closing. On average, they range
from three percent to five percent of the total loan amount. For example, for a
loan of $300,000, closing costs might run in the $12,000 range. Closing costs
can sometimes be rolled into the financing or even paid by the seller. Every
situation is different. Check with your Realtor for your options.
Those are some general guidelines for
first time home buyers. After hearing my presentation, you should be able to
identify the 5 steps in home buying process: DPHOC!
Wednesday, May 21, 2014
San Diego 指南
本来是写给一个新到San Diego的朋友的email，向他介绍SD的基本情况。既然码了这么多字，就收在博客里吧:)
你好！作为San Diego十年的老居民，很高兴有这个机会向你介绍SD的情况。
先简单介绍一下我的情况。我在南加州居住了十几年，一直在密切关注房市的变化。05-07年是顶峰，后来因为次贷危机，09-12陷入低谷。去年房价开始上涨，有两个原因，一是贷款利息仍然偏低，二是越来越多的中国人开始在加州买房。这是我的主页：www.oprecom.com/agent/Tan/
San Diego是美国加利福尼亚州的一个太平洋沿岸城市。位于美国本土的极端西南角，以温暖的气候和多处的沙滩著名。在人口上是加州的第二大城，美国的第八大城。同时也是San Diego County的首府和San Diego-Carlsbad-San
Marcos都市圈的经济中心。
San Diego属地中海型气候（某些地方在都市区属半干旱气候），四季分明，全年天气暖。大体上终年干燥少雨，降雨集中在冬季，全年降雨才达 274 毫米。1月平均温为 14.3 °C，8月为 22.5 °C。
在房地产市场上, 圣地亚哥郡一般分为中区, 东郡, 南郡,
北郡沿海区, 北郡内陆区。一般而言, 中区开发较早,
所以房子相对老一些。北郡是最近30年随着都会区的扩张慢慢发展的，所以房屋相对较新，并且因为毗邻加州大学圣地亚哥分校和其他高科技公司、优秀的学区,吸引了大批受良好教育的中上产阶层在此安家。在北郡内部，沿海区有因为临近海滩，温和的气候条件，房产价格比内陆区要更高些。
这是SD zip code地图：
我们4S Ranch位于92127。
如果你想了解各个zip code房市的基本情况，请上
在网页正中输入zip code，回车，可以看到各种信息，比如正在卖的房子（Homes
For Sale），最近成交的房子（Recent Closings）。请注意，这个网站上的信息并不全面。作为Realtor，我可以通过MLS（Multiple
Listing Service）为你提供最新、最准确的房市信息。
这是SD各个学校的API列表：
对中产阶级来说，SD最好的学区是92130（Carmel Valley），其次是92127（4S Ranch/Del Sur）。因为中国人注重学区，这两个区是SD中国人的首选。如果喜欢开发商刚建的新房，92130有WaterMark（100多万），92127 Del Sur有从50多万到100多万的各种新房。在我微信的Moments里面可以看到新房的照片，我也愿意带你去参观。
下面再介绍两个富豪名流汇集的地区。
La Jolla（92037）是西班牙语，
中文翻译为拉荷亚，发音是“拉吼亚”，
为珠宝的意思。
拉荷亚是圣地亚哥靠海岸的一个世界著名的区域，延绵七英里，是UCSD（加州大学圣地亚哥分校）的所在地。这里有海滩，有峭壁，有酒吧商店， 有海滩别墅，有宽阔的沙滩和草地，有高级的高尔夫球场，有无数的海鸟和海狮在海边栖息，更有各式各样的水上水底运动。人们在这里生活，坐拥着上天赐予的美
丽的大自然，无需花费一分一毫，一年到头享受着假日风情。La Jolla曾被评为全美最安全最富有文化气息和方便居住第一城。现有4万多居民。 独立屋中间价为$1,500,000，豪华独立屋中间价为$2,300,000， 同时La Jolla拥有全美最贵的房子。2012年和奥巴马竞选总统的罗姆尼就在此地拥有度假房产。
Rancho Santa Fe
(西班牙语。Rancho: ranch, 牧场; Santa: holly, 圣洁的; Fe: faith, 信念)。位于圣地亚哥北部，市中心以北20公里，距离太平洋4英里的小镇。这里是名符其实的庄园，共有6.788平方英里（17.581平方公里)， 人口约5,000左右(2010年），人口密度 180人/km2。兰乔圣菲的邮政编码92067， 是在美国第三个最昂贵的邮政代码。每户平均收入二十四万五千六百三十一，为全美美收入最高的社区之一。隐蔽在深山老林里兰的Rancho Santa Fe是美国最富裕的小镇。这里风景优美，气候宜人，一派悠然的田园风光，远离都市喧嚣和繁华。比尔·盖茨在Rancho Santa Fe就拥有一个家。
Saturday, April 12, 2014
中国人在美国买房如何贷款
• Portfolio ARM program only
• Max 60% LTV
• Power of Attorney is not allowed
Credit-- No FICO required. International credit report is acceptable or four credit reference from original country is required.
Income—We require 2 years income verification history. No US tax return required. If the country of origin does not require the borrower to file tax return, then we will need paystubs, an employment letter on company letterhead explaining compensation. For self-employed, CPA letter is required.
Assets—Must source seasoned assets in a known verifiable worldwide financial institution. Will need 12 month PITI reserve.
友情提示：资产在银行账户上要存两个月，可以免去被调查进账来源的麻烦。
信息来源：
• Max 60% LTV
• Power of Attorney is not allowed
Credit-- No FICO required. International credit report is acceptable or four credit reference from original country is required.
Income—We require 2 years income verification history. No US tax return required. If the country of origin does not require the borrower to file tax return, then we will need paystubs, an employment letter on company letterhead explaining compensation. For self-employed, CPA letter is required.
Assets—Must source seasoned assets in a known verifiable worldwide financial institution. Will need 12 month PITI reserve.
友情提示：资产在银行账户上要存两个月，可以免去被调查进账来源的麻烦。
信息来源：
Shaodan Li
Senior Mortgage Originator/Producing Manager
Circle Square Mortgage (方圆贷款)
7510 Clairemont Mesa Blvd. #108
San Diego, CA 92111
Fax: (877) 442-7883
NMLS ID: 335515, CA BRE Lic #: 01891939
Wednesday, April 9, 2014
中国人如何在美国买房投资
这一二年，眼看越来越多的中国人涌进美国投资房地产，相对中国日益 高涨的房价，美国的房价竟然低过中国，实在是稀奇的事。在大洛杉矶边缘地区一些新开发的城市，2000多尺的独立洋房，25-30万美金，一个月的租金可 以达到2000美金。扣除地税管理费，收益在5%-7%。越来越多的中国人把投资的眼光放到了美国。常有客人网友问我个中所以然，我索性花了点时间访问相 熟的房产经纪，归纳如下以供参考。
美国的房子类型有独立屋[Residential single- family homes]、产权公寓[Apartment]、连体别墅[Condominiums and Townhouse]、商用地产 (Commercial properties)。
外国人在美国的房产，如果是出租，每年获利部分的交税额为个人所得利润的20%，如果一年的个人所得为5%-7%，即这5-7%的20%要交税。扣除房子的折旧费，一般3.5%左右的20%为实际交税的费用。[美国国税局定义的外国人，不是正常意义上的外国公民，而是一年中在美国居住时间未超过183天的外国人。所以如果非美国国籍也无绿卡的外国人，若长期居住在美国，则不算是“外国人”。]
如果房产卖掉，则需要交房子获利的33%。比如20万买入的房子40万卖出，则当中的差价20万为利润，这20万的33%，$66000就是要交的税。
美国关于“预扣税”[Tax Withheld]有专门的法案——外国人房地产投资税务法案1980（The Foreign Investment in Real Property Tax Act of 1980）。在1980年之前，外国人在美国投资房地产，转手出售获利之后，由于本身不在美国，不报任何所得税(Capital Gain)美国国家税务局(IRS)也无计可施无办法追缴。因此制定了对于外国人在美国进行房地产投资的税务规定，就是“预扣税”。
外国人房地产投资税务法案中指出“外国个人或者是公司在出售位于美国的房地产时，需要预先缴纳房款的10%作为其做的税之预留款项，这笔款项是可以被退回 的”。在美国出售房地产不管是否盈利都将被预扣成交价的10%，这笔钱由过户公司扣留然后交给美国国家税务局。年底卖主如实申报必要税收，美国国税局扣除 税收后再退回剩余部分。如果年终卖主没有报税，美国国税局会扣留这笔预扣税。
并非所有的外国人在美出售房产都需要被扣除预扣税，有一定的豁免情况。如果卖方的房产是作为自住或出售价格不超过30万美金，而且买方也将房子作为自住用途，那么预扣税是可以被豁免的。
美国买房过程可分为以下步骤:
1、确定买房的城市和地区；
不同城市不同社区房价不一，好学区附近的房价会比普通学区的贵，靠海的城市房价会贵，新开发的城市相对价格便宜点。买房前要做足功课。
2、选经纪人
美国各个城市都有无数的房产经纪人，对于房地产他们更专业更有经验，好的经纪人不仅信息面广，也可以为你把关按照你的需求寻找适合你的房子。经纪人为买主的服务是免费的。一般是卖主付买卖双方经纪人的佣金。
3、预审贷款
你需要填一份买主经济状况表。经纪人会根据你的经济状况推荐你向贷款公司要贷款预审批准书。你可以自己选择贷款公司，不妨多比几家，寻找最适合的。贷款预审批准书的目的是决定你的房价上限。买主经济状况表或贷款预审批准书是报价合同的附件之一。
4、选房看房
经纪人会根据你的要求为你寻找适合的房子。如果看到满意的，可自己开车去看周围的环境，进行初选。初选过关，再约经纪人带你去看内部。
5、签署合同
选定满意的房子，经纪人进行市场分析帮你确定要价，准备报价合同。除了价钱定金，经纪人还会建议你选择一些附加条款，以保证你在必要时能合法取消合同，拿 回定金。卖主可能会拒绝你的报价，或者还你一个价。你可以拒绝还价，或提高你的报价。如果双方达成协议，合同就签字生效了。
6、检查房屋
在加州除了房屋检查，常做的有白蚁检查[$95],修理费[$500]。条款的有效期为7天。在7天内，买主有权以任何一项检查不合格为由取消合同或要求 卖主出钱维修处理。经纪人会向你推荐良好口碑且有执照的检查师。检查结果出来后，经纪人会为你把关，指出哪些是卖主的责任，并为你跟卖主谈判。
7、付款
非美国人在美国买房用贷款比较麻烦，一般建议用现金购买。可多人多次汇款，每人一年的汇款额度是5万美金，如果30万美金的房子，用6个人的名义汇款到美国一般没问题。
8、购买保险
加州法律规定买房时必须购买火险[火灾保险]，买房负责保险费$600-1000一年。
9、交接过户
在南加州买房在政府注册的加州土地管理局成立的地产公证处过户。其费用为1%,由买卖双方对半付。
10、乔迁搬家
过户的最后一步是卖主将钥匙交给买主，过户后买主就可搬家。在过户搬家前4-5天联系水电气公司，问清要做的事。过户搬家当天再去电确认将水电气转到买主 名下。有的公司要你提供仪表数字，有的公司会自己去读仪表。电话，电视，网络服务可能要提前10到20天预约，搬家公司或租车公司也要提前两周预约。
买房的总费用汇总[限洛杉矶]：
除了房子的价格，另外需要付的有：
1，公证过户费：0.5%。如20万的房子则是1000美金。
2，房屋修理保险费。这是经济公司一定建议你买的，一般一年在$360-500之间，一旦发生空调、水管、厨具灶炉热水器的问题，保险公司可以修理。不然修理费是相当昂贵的。即使买了保险，修理时的人工费还是要付。一般一次在$50左右。
3，地产税。买房后预缴1-5个月的地产税，地税一般在房价的1.25%-2%，有些旧城市的地税低些，新城市的地税高一点。比如20万美金的房子，地税在$2500-4000左右。平摊在每个月差不多300美金左右。
4，火险$600左右，这是加州法律规定一定要买的。
5，注册费杂费$200左右；
6，房屋检查费$300,白蚁检查费$95。修理费则视情况而定。
7，报税，会计师的费用一年$300。
美国投资买房规则：
规则1：买房不能投资移民
外国人可以在美国投资买房，但不能借此获得美国身份。
规则2：有产权和有居住权不同
在美国可以买有产权或是有居住权的房屋，有产权的房屋可以供业主自由买卖和出租，而有居住权的房屋只有十几年的产权，租售只能通过物业居委会，价格比有产权的房屋便宜几倍。
规则3：签约7天内可退房
规则2：有产权和有居住权不同
在美国可以买有产权或是有居住权的房屋，有产权的房屋可以供业主自由买卖和出租，而有居住权的房屋只有十几年的产权，租售只能通过物业居委会，价格比有产权的房屋便宜几倍。
规则3：签约7天内可退房
买方在这7天里可自己花300美金请专门检查房屋质量的公司对房屋进行检查，若发现不可接受的质量问题，买主可以单方面中止合同，拿回定金。如果已签约付 款，但是买主对房子不满意，或发现有更喜欢的房子，在7天内还可以随时退房。但这300美金的检查费是不退的。经济人的费用由卖方支付，一般在2.5 %-3%。
房屋出租两种方式，自己管理，或由专业出租公司管理。
美国是一个一板一眼的国家，选择自己管理，虽可节省费用，但必须清楚了解美国房地产租赁条款。房屋租赁法规定房东必须提供给租客一个固定的美国当地地址， 以便有问题随时联系你；必须提供租客一个紧急电话号码，他们需要帮助时可去帮忙；房东需要了解当地房租的变化，租客若未按时付房租，房东即刻要采取法律行 动。
这些要求对海外投资者来说，不仅耗费大量时间精力，更浪费不必要的花费。所以，交由专业房屋管理公司管理出租房屋更为明智。
房屋管理公司的主要职责：• 刊登房屋广告，找到租客
• 起草租房协议，确认房租及各方职责
• 对租客进行信用调查、租房历史调查、工作收入确认、犯罪记录调查，以确保房东利益；
• 每月收取房租，并转入房东账户
• 定期进行房屋检查，向海外的房东通过邮件或电话汇报
• 如有需要，对房屋进行周期性维修和保养
• 代理房东进行年度报税
• 协助处理与租房有关的法律纠纷，如未支付房租；如果房客不付租金，需要专业律师驱赶房客，律师费在$600-1000左右，为时需要3个月，这算是风险之一；
• 房租合同结束后,结账退房
• 重新刊登房源，找到新的租客
管理公司的收费项目：
1，寻找到房客后，收年租金的6%，之后每延长一年租期只收$300。[针对同一房客，如果换了房客，则依然是年租金的6%]
2，每月$100美金的管理费；
3，管理公司会要求房客房租每月一付，押金交纳1-2个月。
常见问题：
1． 我需要到美国去参与买房交易和出租的过程吗？
通常是不需要的，从买房开始，全部的手续可在国内完成，房屋经济人会把英文合同发给你，过目后你签字，房屋经济人全权代理。
2． 我是否可以考察房屋？
在房屋出租之前，一般房屋经济人会建议你亲自到美国考察房屋。
3． 我如何收到房租？
房屋管理经纪人每月收取$100美金的管理费，为您监督每月的房租收取，通过转账或者现金形式，转账到你的美国账户或国内账户。
4． 谁来报税？
房屋管理经纪人会为您进行报税，并向您提供证明，您只需要签字和收取税单。税为地产税和个人所得税[房租的所得税]，一般会计师的费用是一年$300。
5． 我不在美国如何知道美国哪里的房子好？
你可以全权委托房屋管理经纪，或自行前往美国考察。前往美国考察的费用自理。
6. 在美国买房的风险在哪里？
房子出租后，万一遇到坏房客，不付钱，要动用律师驱赶房客，这上下要花费至少3个月，也就是至少损失几个月的房租，这是风险之一。
(转载自文学城)
Sunday, April 6, 2014
Saturday, April 5, 2014
各种人士推荐
House Cleaning:
Right Touch Cleaning: 619-662-1584. 性价比高，干净，老墨公司，不洗地毯。
家用Cleaning Lady: Veronica 760-212-8149.
619-559-9507.
760-801-2429, prestige_cleaning_services@ymail.com
Carpet Cleaning:
John 858-568-5586，858-888-3089. Becky推荐，中国人，只洗地毯。我用过，很好。
Tran's Carpet Cleaning: 陈氏清洁地毯公司，619-988-4472，858-560-9746. 我用过，越南人，能讲中文。
搬家公司：
Hualong Movers 858-736-6006. 我用过。
Andy 赵，858-229-7795. 858-229-3984.
Home insurance:
Central National: Agent Xiaowen 310-676-6998.
American National: Agent Kiyoma 858-335-3171.
Costco Ameriprise: for both auto and homes.
装修：
罗成 858-205-2020. 我用过。
Ken 770-617-5623. mitbbs ID: Caonong.
张师傅 626-203-5671.
Mike Huang 858-405-0490. 东北人。
www.acandjflooring.com
Handyman: 760.803.5284 or 760.415.2585 Freddy Gonzalez, he is a contractor, painter, drywall, handyman, etc. Mention Rose, he will take good care of you.
mitbbs danymm 搜集的装修师傅的信息:
1. 理想，858 429 8888
2. 金师傅，858 231 3536
3. 关师傅，619 892 3585
4. 华夏，858 205 9791
5. 黄师傅，858 205 6888
6. 曹师傅，626 324 1577
7. 杨师傅，858 225 9925
8. 郝师傅， 858 699 6462
9. 罗师傅，858 205 2020
10. 张师傅，626 203 5671
评价也都一般，基本上大家都是说细节无法细看，整体还行，好像没看到有谁评价特别高的。所以大家选的时候就选价格和档期吧，呵呵。价格可以打电话咨询，也可以免费上门估价。
做院子：
付师傅：858-336-1667.
Christopher DeVincent 858-539-3424.
Licensed contractor 760-271-7526. Does both design and labor. Rose推荐。
Gardener:
Domingo, 760-270-2107
Jaime Mendez, 760-317-7478.
砍树：
Freddi, 760-420-2543.
浇水系统：Sal, 619-569-0538. 老墨，质量好价钱便宜。
Home Inspectors:
http://sdinspect.com. 我用过。
Gary Bruntsch 858-272-8001. Gary@SuCasaInspection.com. 我用过。
Dan 8582297703. 我用过，很仔细。电话讲好给现金会便宜些。
Abe Blas: 760-473-1071
LA Home Inspectors:
Phillip, 626-831-0990. 讲中文。
Elite Inspector, 800-494-8998.
david.foerstner@pillartopost.com, 323-244-9264.
Termite Inspector:
Michael Keller: 619-282-8771, 619-572-5931.
Plumber No. 1: Williamson Plumbing, Matt, 858.449.1100, also mention my name, he does small projects, reasonable price
Right Touch Cleaning: 619-662-1584. 性价比高，干净，老墨公司，不洗地毯。
家用Cleaning Lady: Veronica 760-212-8149.
619-559-9507.
760-801-2429, prestige_cleaning_services@ymail.com
Carpet Cleaning:
John 858-568-5586，858-888-3089. Becky推荐，中国人，只洗地毯。我用过，很好。
Tran's Carpet Cleaning: 陈氏清洁地毯公司，619-988-4472，858-560-9746. 我用过，越南人，能讲中文。
搬家公司：
Hualong Movers 858-736-6006. 我用过。
Andy 赵，858-229-7795. 858-229-3984.
Home insurance:
Central National: Agent Xiaowen 310-676-6998.
American National: Agent Kiyoma 858-335-3171.
Costco Ameriprise: for both auto and homes.
装修：
罗成 858-205-2020. 我用过。
Ken 770-617-5623. mitbbs ID: Caonong.
张师傅 626-203-5671.
Mike Huang 858-405-0490. 东北人。
www.acandjflooring.com
Handyman: 760.803.5284 or 760.415.2585 Freddy Gonzalez, he is a contractor, painter, drywall, handyman, etc. Mention Rose, he will take good care of you.
mitbbs danymm 搜集的装修师傅的信息:
1. 理想，858 429 8888
2. 金师傅，858 231 3536
3. 关师傅，619 892 3585
4. 华夏，858 205 9791
5. 黄师傅，858 205 6888
6. 曹师傅，626 324 1577
7. 杨师傅，858 225 9925
8. 郝师傅， 858 699 6462
9. 罗师傅，858 205 2020
10. 张师傅，626 203 5671
评价也都一般，基本上大家都是说细节无法细看，整体还行，好像没看到有谁评价特别高的。所以大家选的时候就选价格和档期吧，呵呵。价格可以打电话咨询，也可以免费上门估价。
做院子：
付师傅：858-336-1667.
Christopher DeVincent 858-539-3424.
Licensed contractor 760-271-7526. Does both design and labor. Rose推荐。
Gardener:
Domingo, 760-270-2107
Jaime Mendez, 760-317-7478.
砍树：
Freddi, 760-420-2543.
浇水系统：Sal, 619-569-0538. 老墨，质量好价钱便宜。
Home Inspectors:
http://sdinspect.com. 我用过。
Gary Bruntsch 858-272-8001. Gary@SuCasaInspection.com. 我用过。
Dan 8582297703. 我用过，很仔细。电话讲好给现金会便宜些。
Abe Blas: 760-473-1071
LA Home Inspectors:
Phillip, 626-831-0990. 讲中文。
Elite Inspector, 800-494-8998.
david.foerstner@pillartopost.com, 323-244-9264.
Termite Inspector:
Michael Keller: 619-282-8771, 619-572-5931.
Plumber No. 1: Williamson Plumbing, Matt, 858.449.1100, also mention my name, he does small projects, reasonable price
Plumber No. 2: Black Mountain plumbing, 858.536.4161, use it for your large projects, price can be high but quality is good
Plumber No. 3: Master Plumbing, Tony Lopez, 858-271-0880.
Heating and air conditioning: ASI heating and air, 619.590.9300, they are not the cheapest, but quality is good.
AC guy: Mel, 619-757-7475. Text Irma 619-534-1979.
AC guy: Leo, 626-264-2592.
油漆工：
Hoang: 858-344-8887. 韩国人。
Rojo: 619-204-2525. 最好自己买好油漆，先写好合同。
外墙刷漆买water based exterior paint.
Joshua Berner: 858-688-2248, Josh@ColossusPainting.com
AC guy: Mel, 619-757-7475. Text Irma 619-534-1979.
AC guy: Leo, 626-264-2592.
油漆工：
Hoang: 858-344-8887. 韩国人。
Rojo: 619-204-2525. 最好自己买好油漆，先写好合同。
外墙刷漆买water based exterior paint.
Joshua Berner: 858-688-2248, Josh@ColossusPainting.com
Loan brokers:
Yan Xu
Destiny Financial Corporation
6540 Lusk Blvd, Suite C241
San Diego, CA 92121
Cell: (858) 335-2188
Office : (858) 999-8558
Fax: (858) 999-8598
离Qualcomm近，很多人都推荐。
Shaodan Li
Senior Mortgage Originator/Producing Manager
Circle Square Mortgage (方圆贷款)
7510 Clairemont Mesa Blvd. #108
San Diego, CA 92111
Fax: (877) 442-7883
sli@CircleSquareMortgage.com
www.CircleSquareMortgage.com
John Li
858-568-8850
jli@CircleSquareMortgage.com
www.CircleSquareMortgage.com
John Li
858-568-8850
jli@CircleSquareMortgage.com
移民, Living Trust律师：
蒋百庚律师事务所。指北推荐。
Tel: (858) 750-1906
Cell: (858) 405-2328
Property Managers:
Chris Shang, 858-925-3998.
Michi 陈美智, 760-533-6211. San Marcos地区.
Roofing 1: Bob Duncan 858-679-1637.
Roofing 2: TR Construction, Mike Sgambati 858-537-6490.
房地产律师：
Robert Muir: http://muirlaw.com/
CAR Legal hotline: 213-739-8282
Home Staging: Belle Maison 858-449-7688
Eviction Service:
http://www.dca.ca.gov/publications/landlordbook/evictions.shtml
https://www.kickemoutquick.com
Garage door repair:
Castle garage: 858-391-1990, 价格合理。
888-997-2423.
888-524-8421.
619-770-0300.
蒋百庚律师事务所。指北推荐。
地址:7670 Opportunity Rd., #225,San Diego, CA,92111
电话:858-759-8398
韩满琦律师。Mitbbs loveallkids推荐。Tel: (858) 750-1906
Cell: (858) 405-2328
Property Managers:
Chris Shang, 858-925-3998.
Michi 陈美智, 760-533-6211. San Marcos地区.
Roofing 1: Bob Duncan 858-679-1637.
Roofing 2: TR Construction, Mike Sgambati 858-537-6490.
房地产律师：
Robert Muir: http://muirlaw.com/
CAR Legal hotline: 213-739-8282
Home Staging: Belle Maison 858-449-7688
Eviction Service:
http://www.dca.ca.gov/publications/landlordbook/evictions.shtml
https://www.kickemoutquick.com
Garage door repair:
Castle garage: 858-391-1990, 价格合理。
888-997-2423.
888-524-8421.
619-770-0300.
Friday, January 31, 2014
How to search for Licensed Familycare
Go to this link:
https://secure.dss.ca.gov/CareFacilitySearch/
Please follow the following easy steps to search for licensed Familycare：
1. Change Facility Group to "Child Care". Select "Family Child Care Home(Large only)";
2. Input Zip Code 92xxx;
3. Press Search.
Those are some search results as examples.
92126:
WANG, JINHONG & SPENCER, DAVID FAMILY CHILD CARE
11527 SPITFIRE ROAD
SAN DIEGO, CA 92126
(858) 549-4668
92127:
CHOU, ZUZU FAMILY CHILD CARE
17823 HUNTERS RIDGE ROAD
SAN DIEGO, CA 92127
(858) 485-9268
HU, MING FAMILY CHILD CARE
9741 TALLUS GLEN
SAN DIEGO, CA 92127
(858) 356-5067
92129:
LI, MIMI FAMILY CHILD CARE
13123 SIENNA COURT
SAN DIEGO, CA 92129
(858) 780-8691
PAN, NING YING FAMILY CHILD CARE
12921 GAMBUSA WAY
SAN DIEGO, CA 92129
(858) 538-6693
TIAN, RUOJUN FAMILY CHILD CARE
9196 TRUMAN STREET
SAN DIEGO, CA 92129
(858) 780-9698
92130:
LUO YING FAMILY CHILD CARE HOME
LUO, CICI FAMILY CHILD CARE
LEE, QUAN & MARCY FAMILY CHILD CARE
https://secure.dss.ca.gov/CareFacilitySearch/
Please follow the following easy steps to search for licensed Familycare：
1. Change Facility Group to "Child Care". Select "Family Child Care Home(Large only)";
2. Input Zip Code 92xxx;
3. Press Search.
Those are some search results as examples.
92126:
WANG, JINHONG & SPENCER, DAVID FAMILY CHILD CARE
11527 SPITFIRE ROAD
SAN DIEGO, CA 92126
(858) 549-4668
92127:
CHOU, ZUZU FAMILY CHILD CARE
17823 HUNTERS RIDGE ROAD
SAN DIEGO, CA 92127
(858) 485-9268
HU, MING FAMILY CHILD CARE
9741 TALLUS GLEN
SAN DIEGO, CA 92127
(858) 356-5067
92129:
LI, MIMI FAMILY CHILD CARE
13123 SIENNA COURT
SAN DIEGO, CA 92129
(858) 780-8691
PAN, NING YING FAMILY CHILD CARE
12921 GAMBUSA WAY
SAN DIEGO, CA 92129
(858) 538-6693
TIAN, RUOJUN FAMILY CHILD CARE
9196 TRUMAN STREET
SAN DIEGO, CA 92129
(858) 780-9698
92130:
LUO YING FAMILY CHILD CARE HOME
| Phone: | (858) 225-8982 | ||
| Facility Number: | 376623317 | ||
| Facility Capacity: | 14 |
LUO, CICI FAMILY CHILD CARE
| Phone: | (858) 886-9322 | ||
| Facility Number: | 376624048 | ||
| Facility Capacity: | 14 |
LEE, QUAN & MARCY FAMILY CHILD CARE
| Phone: | (858) 259-5065 | ||
| Facility Number: | 376618120 | ||
| Facility Capacity: | 14 |
Thursday, January 30, 2014
San Diego 各个学校的 API 列表和分界线
San Diego 各个学校的 API 列表:
http://api.cde.ca.gov/Acnt2013/2013GrthAPICo.aspx?cSelect=37%2CSan%2CDiego&c=R
4S Ranch / Del Sur这边几个小学都很新，API也都很高。
Monterey Ridge Elementary 939 945
Stone Ranch Elementary 955 960
Del Sur Elementary 972 959
这里有Poway Unified School District 的小学分界线地图:
http://www.powayusd.com/boundaries/elem.shtml
PUSD middle school boundary map:
http://www.powayusd.com/Boundaries/middle.shtml
PUSD high school boundary map:
http://www.powayusd.com/Boundaries/high.shtml
http://api.cde.ca.gov/Acnt2013/2013GrthAPICo.aspx?cSelect=37%2CSan%2CDiego&c=R
4S Ranch / Del Sur这边几个小学都很新，API也都很高。
Monterey Ridge Elementary 939 945
Stone Ranch Elementary 955 960
Del Sur Elementary 972 959
这里有Poway Unified School District 的小学分界线地图:
http://www.powayusd.com/boundaries/elem.shtml
PUSD middle school boundary map:
http://www.powayusd.com/Boundaries/middle.shtml
PUSD high school boundary map:
http://www.powayusd.com/Boundaries/high.shtml
4S Ranch 的新学校：Design 39 Campus
这是新学校的主页：
www.design39campus.com
想注册的现在就可以报名了，Interest form在网页上有，2月7号以前交。如果人太多了要抽签的。不是First Come First Serve，所以大家保持淡定。
主要是为CFD 6,14,15服务的。CFD 4,8,12,13也有机会。CFD6，14，15对应4S, Del Sur, the Lakes这几个community。
貌似要进行教学改革，学生分成四个大组：
TK，K，1；
2，3；
4，5，6；
7，8。
每个学生有自己的进度。先进的学生可以提前学习高年级的课程。
我参加了Information Night。 这个会议主要是介绍教学理念、课程安排和作息时间。
教学理念来自Institue of Design at Stanford, 感觉他们侧重激发学生的兴趣，减轻学生的负担，提供更多机会让学生探索不同的领域。会采用计算机（Tablet, laptop）教学。
作息时间：
每天上午是Instruction Time, 老师和学生分小组互动学习，越低的年级Instruction
Time越长。
中午Lunch Time 40分钟，让学生有足够的时间吃饭和社交。
下午是Focus Time, 学生集中精力学习自己感兴趣的课题。越高的年级Focus Time越长。
下午还有一个15分钟的Minds in Motion 或者 Exploration. Minds in Motion主要是
各种体育运动和舞蹈等让学生出出汗。Exploration是让学生有机会尝试新的领域。
课程除了传统的Reading, Writing, Engineering, Computer Science, Robotics以外，还有以下选择：
1. Visual & Performing Arts, 比如画画、陶艺等。
2. Music，比如作曲、吉它等乐器。
3. Video Production.
4. Gateway to Technology. www.PLTW.org.
家庭作业：
Students create their own homework based on their goals, interests, and
passions. No homework over weekends or holidays.
学校会如何验证你的住址？
To verify residency you must present ONE of the following documents:
Deed to home,
Mortgage payment receipts or coupons,
Escrow papers for new home,
Property tax receipt,
Current bill from local utility company, including cable TV,
Receipt for deposit with local utility company, including cable TV,
Military orders,
Rental agreement,
Rent receipt,
Bank statement,
Any other legal document which establishes home address within school boundaries(drivers license accepted).
www.design39campus.com
想注册的现在就可以报名了，Interest form在网页上有，2月7号以前交。如果人太多了要抽签的。不是First Come First Serve，所以大家保持淡定。
主要是为CFD 6,14,15服务的。CFD 4,8,12,13也有机会。CFD6，14，15对应4S, Del Sur, the Lakes这几个community。
貌似要进行教学改革，学生分成四个大组：
TK，K，1；
2，3；
4，5，6；
7，8。
每个学生有自己的进度。先进的学生可以提前学习高年级的课程。
我参加了Information Night。 这个会议主要是介绍教学理念、课程安排和作息时间。
教学理念来自Institue of Design at Stanford, 感觉他们侧重激发学生的兴趣，减轻学生的负担，提供更多机会让学生探索不同的领域。会采用计算机（Tablet, laptop）教学。
作息时间：
每天上午是Instruction Time, 老师和学生分小组互动学习，越低的年级Instruction
Time越长。
中午Lunch Time 40分钟，让学生有足够的时间吃饭和社交。
下午是Focus Time, 学生集中精力学习自己感兴趣的课题。越高的年级Focus Time越长。
下午还有一个15分钟的Minds in Motion 或者 Exploration. Minds in Motion主要是
各种体育运动和舞蹈等让学生出出汗。Exploration是让学生有机会尝试新的领域。
课程除了传统的Reading, Writing, Engineering, Computer Science, Robotics以外，还有以下选择：
1. Visual & Performing Arts, 比如画画、陶艺等。
2. Music，比如作曲、吉它等乐器。
3. Video Production.
4. Gateway to Technology. www.PLTW.org.
家庭作业：
Students create their own homework based on their goals, interests, and
passions. No homework over weekends or holidays.
学校会如何验证你的住址？
To verify residency you must present ONE of the following documents:
Deed to home,
Mortgage payment receipts or coupons,
Escrow papers for new home,
Property tax receipt,
Current bill from local utility company, including cable TV,
Receipt for deposit with local utility company, including cable TV,
Military orders,
Rental agreement,
Rent receipt,
Bank statement,
Any other legal document which establishes home address within school boundaries(drivers license accepted).
不找律师eviction过程汇报，以及collection
（转载自文学城）
Tenant 从9月开始不交房租。
lease 上是免eviction
notice 的，但我还是送了
一个。 不是6号送的，但口头催了tenant交钱。9月15日file了eviction。 因为过去做eviction case 听律师说过，eviction notice，不用挂号信， 就贴在门上，收不收到都没关系。所以我就贴到门上（其实这意味着给不给notice都无所谓。先file, serve以后再notice, 写前面的日期。贴在门上谁能作证。），用了9月6日的日期。我们这里法律规定从不交房租起要一个月法庭才可以开庭，所以无论如何也要等到10月6日后了。（开庭时间安排在一个月后，但file时间要尽量提前。）
具体步骤：
1。我自己去法院一个general office， 问开庭schedule, file cases 都在那里。当时就填了表，表非常简单，只有两项：tenant name and address, landlord name and address. 交了费$99.00，这case 就算file了。
2。我选择了private service， 因为较快，可以和service person 单独电话联系，告诉他tenant可能在家时间，什么时候去最合适，如果一次去找不到人，私人的可以在短时间内多次去。如果是法院的service，可能一周就递一次, 碰不上tenant 就要耽误一周，也许几周。我问到哪去找privite service， 告知，走廊里到处都是，并递给我一个电话list，可以从中任选一个。当时站在旁边有一大汉给了我一名片，说他可以。我就付了他$50.00 cash， 如果是法院public service 是$25.00.
3。 这里规定serve以后10天就可以开庭， 开庭日期file的那天就决定了，具体日期和时间是这个private service人告诉我的，尽管他过了几天才serve的。我不知道是他让tenant签字时没让tenant看时间还是只要file eviction以后10天。
4。file 10 天后 开庭，tenant 出庭。我因为还想个给他个机会，庭上有免费mediator签了个约定，tenant每2周交多少钱，把eviction推迟一个月。后来发现这绝对是冒傻气，是地主自我约束的条例。tenant虽然按时付了2周过去欠我的钱，到了下个月初，还是没钱交当月的租金，并且在交谈中，他提到他还不错，没file bankruptcy。 吓了我一身冷汗。 我还以为这人很innocent，原来人家连这个都懂。再次开庭时我毫不犹豫的把他清出去了。虽然tenant此时已经搬走，但他没有上庭。法庭也没问搬没搬走。 我还是把eviction按到了他头上，省得以后他再害别人。前后经历2月，其中1个月是我自找没趣（本来只须一个月）。（开庭要带材料：lease，copy of eviction notice)
教训： 一旦file eviction， 一点都不能耽搁，no mercy. 我有个朋友第一次做landlord，被一个很绅士的人白住了半年。那人的套路是很客气，总说要付钱的。等2个月后朋友终于忍不住file了eviction，serve找不到人， 人家不开门。总算serve上了，人家file bankruptcy， 这边eviction 开不了庭。 最老油条的是，此人file bankrupcy 假装没钱交fee， 法院允许一定时间的拖延交费。 在缴费之前，这个bankrupcy case 不成立，几个月后，此人撤诉，因此没有留下记录。半年后这边eviction也可以开庭了， 人家搬走了。 又去继续骗别人去了。 可怜我这朋友连deposit和第一个月的房租都没收到，check跳票了。所以第一个月和deposit一定要money order.
5。 今天满怀信心得到法院想 file collection，因为我搞到了此tenant的新住址。结果 被告知 A: 如果我知道tenant 的bank， 可以经过法院申请bank冻结账户，如果账上有钱，我可以一次性得点钱。B: 如果我知道他的工作地点，可以通过法院从他的paycheck直接扣25%。 知道住址没用。 C: 我可以找collection company 去收，不需通过法院。
http://www.fastevictionservice.com/
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