The colloquy of Steven Tapia

Someone forwarded a spammer's email to Spamnesty, which replied to the email, pretending to be a person called Steven Tapia and starting a conversation.

This is that conversation.


Spammer

  • Subject: COVID-19- 2021 RELIEF FUND{Open Attachment}
  • On: Feb. 15, 2021, 7:51 a.m.



 

 

CONGRATULATIONS!!! 

 

YOU ARE LUCKY TO BENIFIT FROM YAHOO/MICROSOFT COVID-19 Relief Fund -Address: 125
Shaftesbury Ave, West End, London WC2H 8AD, United Kingdom 

Yahoo/Microsoft Management Team wishes to inform you that YOU HAVE BEEN SELECTED TO BENEFIT
FROM YAHOO/MICROSOFT COVID-19 Relief Fund of Five Hundred, and Forty Thousand British Pounds (£540, 000,00.) for Yahoo/Microsoft COVID-19 2021 New Year Relief Fund which was organized by YAHOO
Oath/MICROSOFT MANAGEMENT TEAM today
Monday, 25th January 2021
to help people fight one of world Worst pandemic in History since we become the best free e-mail provider worldwide. 

  

YAHOO Oath/MICROSOFT Brand INC collected all the email addresses of people that are active online, among over two billion-plus global users that subscribed to Yahoo, Gmail, Hotmail/outlook  and few from other e-mail providers. Four e-mail
addresses were selected today Monday, 25th January 
2021
to benefit from this Yahoo/Microsoft Covid 19 Relief Fund 2021
and your e-mail address has been selected today 25th January 2021 via Computer Random Selection System as one of the top Four lucky Beneficiary
 for 2021  Yahoo/Microsoft Covid 19 Relief
 Fund program. 

 

All
Beneficiaries shall be paid by our paying Bank {Banco Santander UK}.Easy Mode of Payment approved: {1} TT Transfer Payment {2} ATM Payment
or BITCOINS CRYPTOCURRENCIES. Your Yahoo/Microsoft Covid 19 Relief Fund of
{ £135,000} One Hundred and Thirty-Five Thousand British Pounds
must be claimed as soon as possible. Any prize not claimed within this period shall be forfeited. Stated below are your Yahoo Covid 19 Relief Fund 2021 identification
Ref:
PLEASE DONATE SOME TO YOUR COMMUNITY. 

  

Identification
Ref:    
COVID-19-UKCVD/2781252-479/N04-OF-4/135,000/2021

     

You are requested to contact our Yahoo/Microsoft Covid 19 Relief Fund 2021 MANAGER
 IN UK, Dr Alex Jeremy through his below contact details and submit your
Identification Ref, Nationality, Contact Address, Telephone Number ,Occupation and Age to him. 

  

COVID-19 Relief FUND
MANAGER: Dr Alex Jeremy 

  

E-mail: [email protected] 

E-mail: [email protected] 

Office Tel:
+448713580929 

  

You are advised to send the below information to Dr Alex Jeremy through his above e-mail to facilitate the release of your COVID-19 Relief FUND to you immediately. 

  

1. Nationality/ Country of Residence

2. Contact Address 

3. Telephone Number 

4. Age 

5. Occupation 

6.
Choose Mode of Payment-{1} TT Transfer Payment {2} ATM Payment or BITCOINS CRYPTOCURRENCIES 

  

Congratulations!!! 

Yours in service, 

   

David Filo & Jerry Yang 

Co-founders and Chief Yahoo. 

---------------------------------------------------------------

Keep your COVID-19 Relief
 FUND Identification Ref: confidential within
you until your COVID-19 Relief FUND are successfully transferred to you to
avoid disqualification that may arise due to double claiming.

You may also receive similar e-mails from people portraying to be Yahoo, this is solely to collect your personal information and lay fake claims. In event that you
receive any e-mail similar to the COVID-19 Relief FUND notification letter that was sent to you today, kindly delete it from your mailbox and give no further correspondence to such person or body. 

  

Yahoo shall not be held responsible for any loss of fund arising from the above mentioned and any COVID-19 Relief FUND notification that was not from
David Filo & Jerry Yang (Co-founders and Chief Yahoo) and signed by Yahoo
mail Board of Directors will be cancelled. 

  

Signed By:
Yahoo/Microsoft Board of Directors: 

David Filo & Jerry Yang Co-Founder & Chief Yahoo,Albert Song VP of design,Sandy Gould SVP Global Talent Acquisition,
Chris Hunter General Manager,Randy Roumillat CIO Corporate Systems,JJ Healy VP Corp Dev,
Shirin Oskooi Senior Director of Product Management,Marc Saltzman Contributes. 

<COVID-19 RELIEF FUND UK.pdf

Spamnesty

  • Subject: Re: COVID-19- 2021 RELIEF FUND{Open Attachment}
  • On: Feb. 15, 2021, 7:52 a.m.

Hello,
Thank you for your email! However, I don't know if this will fit in our budget. Is there anything better you could do?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: CA's Prop 19 - What You Need to Know
  • On: April 12, 2021, 7:31 p.m.

CA's Prop 19 - What You Need to Know

CA's Prop 19 - Does if Affect You?

View this email in your browser

 
Prop 19 Went Into Effect April 1st.
Some key points and changes:

 
What is Proposition 19 and is it good for CA?
Proposition 19 is seen as a win-win for California voters providing needed housing and tax relief for seniors and wildfire victims, and generating much needed revenue for schools, fire districts, cities, and counties as they face budget shortfalls due to the harmful economic impact of COVID-19. (California Assoc. of Realtors)
One part of Prop 19 extends the benefits of the existing prop 60/90 for persons over 55 and persons of severe disability by being able to sell your home today but retain the property tax basis of your home from when you bought it.
See changes below. If you would like to know how it impacts you or learn more about Prop 19, give us a call!
In a nutshell, here are some changes and benefits:

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
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Spamnesty

  • Subject: Re: CA's Prop 19 - What You Need to Know
  • On: April 13, 2021, 2:44 a.m.

Hello,
I talked to my colleagues about this but they seemed to have some apprehensions; namely, they're worried that the offer isn't fleshed out enough. Would you be able to go into more detail about exactly how this would be structured?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: It's Spring! 🌷🌿🌎☔ Get Your Green Thumb Going!
  • On: April 23, 2021, 9:11 p.m.

It's Spring! 🌷🌿🌎☔ Get Your Green Thumb Going!

It's Spring! 🌷🌿🌎☔ Get Your Green Thumb Going!

View this email in your browser

 
It's Finally Spring!

 
The weather is getting warmer, the days are starting to get a little longer, and some of us are starting to think about springtime flowers, herbs, and vegetables for our own backyard!

Here's a guide and links to some of our favorite sites and blogs to help you get started!  With the weekend right around the corner, why not get going on your own bountiful backyard!  Click through for more info ;)

Spring Planting Guide

Spring is here and it's time to do some planting! Here's a guide on what to plant now in California.

How to Build a Raised Garden Bed

Why buy pre-made raised garden beds when you can make your own for less money! Click to find a step-by-step guide to building your DIY raised garden bed.

Don't Have a Green Thumb? No Problem!

Gardening is sometimes easier said than done! Believe us, we know! Click through for tips on how to be the boss of your own backyard garden and improve your landscaping skills!

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

Want to change how you receive these emails?

You can update your preferences or unsubscribe from this list.

Spammer

  • Subject: Resend: Oops! Forgot to include the links😉
  • On: April 24, 2021, 4:31 a.m.

Resend: Oops! Forgot to include the links😉

It's Spring! 🌷🌿🌎☔ Get Your Green Thumb Going! 

View this email in your browser

 
It's Finally Spring!

 
We apologize but the links were not included in the first email.  We've included them here if you want to click through. Happy Gardening!

The weather is getting warmer, the days are starting to get a little longer, and some of us are starting to think about springtime flowers, herbs, and vegetables for our own backyard!

Here's a guide and links to some of our favorite sites and blogs to help you get started!  With the weekend right around the corner, why not get going on your own bountiful backyard!  Click through for more info ;)

Spring Planting Guide

Spring is here and it's time to do some planting! Here's a guide on what to plant now in California.

How to Build a Raised Garden Bed

Why buy pre-made raised garden beds when you can make your own for less money! Click to find a step-by-step guide to building your DIY raised garden bed.

Don't Have a Green Thumb? No Problem!

Gardening is sometimes easier said than done! Believe us, we know! Click through for tips on how to be the boss of your own backyard garden and improve your landscaping skills!

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

Want to change how you receive these emails?

You can update your preferences or unsubscribe from this list.

Spamnesty

  • Subject: Re: It's Spring! 🌷🌿🌎☔ Get Your Green Thumb Going!
  • On: April 24, 2021, 4:34 a.m.

Hello,
That is very helpful, thank you. Do you perhaps have some literature I could look at, or could you send me some more information about what exactly makes you unique?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: Where is everyone going? 🚚
  • On: May 12, 2021, 9:41 p.m.

Where is everyone going? 🚚

Should I stay or should I go?

View this email in your browser

 
Where is Everybody Going?

 
Are you one of the many Californians who have considered moving out of state during the last year? According to ABC News, for the second year in a row, more people left the state than moved here. The result was a net migration loss of 135,600 people. Many are re-thinking their life/work situation after such long stay-at-home orders in CA. Here are the top 5 places Californians are moving to or considering moving to in the U.S.*

https://bit.ly/2OAXwuS

#1 Texas. No state income tax and lower cost of living.

#2 Arizona. Sunny weather, and lower cost of living. Many big tech companies are expanding there.

#3 Washington. Jobs! Plus no state income tax. Big-name co.'s are there such as Microsoft, Amazon, Boeing and Starbucks.

#4 Nevada. No state income tax and no state sales tax on food and medicine, so the cost of living is attractive!

#5 Oregon. Also no state sales tax. People are drawn here to be closer to nature and its beautiful coastline.

*According to Nov 2020 census data

Hey we get it! Maybe that’s why many celebs and industry giants are doing the same thing.  After all, Elon Musk and Joe Rogan recently moved to Austin, TX!  According to recent polls, up to 40% of tech workers have considered leaving the state if remote work continues.  Recent tax increase-related state propositions have caused some wealthy residents to consider making a move as well.** However, CA is still a top destination for foreigners looking to move to the U.S.

If you are considering making a move out of CA, maybe to maximize your cost of living, now is a great time to take action. We can put you in touch with agents or organizations in other states to get you started on your search. With the housing shortage not letting up any time soon your home is likely to sell for more, and quickly, so you can “Get out of Dodge” sooner!

** https://calmatters.org/economy/2020/09/anti-california-dream-moving-industry/

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

Want to change how you receive these emails?

You can update your preferences or unsubscribe from this list.

Spamnesty

  • Subject: Re: Where is everyone going? 🚚
  • On: May 13, 2021, 8:07 a.m.

Hello,
That is very interesting! Could you elaborate? Do you have any details online I could look at?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: Home Upgrades that Produce the Highest ROI💵
  • On: May 27, 2021, 8:43 p.m.

Home Upgrades that Produce the Highest ROI💵

Even in a seller's market these home improvements provide big returns!

View this email in your browser

 
Thinking about starting any home upgrade projects over the holiday weekend?

Consider this before diving in...
 
If you had to list the top five to 10 home repairs or upgrades that provide the highest return on your investment, what would you come up with?

Staring at our four walls for more than a year has some of thinking of home improvements we can tackle this weekend! Before you start, take a look at which projects will provide you with the most return on investment.

 

Top Ten Home Upgrades that Provide

the Highest ROI for LA County

1. Manufactured Stone Veneer

2. Garage Door Replacement

3. Minor Kitchen Remodel/midrange

4. Entry Door Replacement/steel

5. Deck Addition/composite

6. Siding Replacement/fiber-cement

7. Siding Replacement/vinyl

8. Deck Addition/wood

9. Roofing Replacement/asphalt shingles

10. Bath Remodel/universal design

You may be surprised to learn most of these are exterior improvements.

As the saying goes; first impressions are everything!

Even in this hot seller's market, upgrading any of these projects will increase the value of your home that much more!

See the full list here for actual cost savings for Los Angeles and the Pacific Coast. 

If you are planning on doing any home upgrades, feel free to give us a call if you need vendor recommendations. We have been in the business for a long time now and can refer many top-notch vendors. 

source: https://www.remodeling.hw.net/cost-vs-value/2020/pacific/los-angeles-ca/

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

Want to change how you receive these emails?

You can update your preferences or unsubscribe from this list.

Spamnesty

  • Subject: Re: Home Upgrades that Produce the Highest ROI💵
  • On: May 27, 2021, 11:10 p.m.

Hello,
that sounds impressive! I am excited to hear more about your company. Can you help me with some references, completed projects, partners, etc.?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: Rising Home Prices Could Impact Your Net Worth
  • On: June 15, 2021, 2:22 p.m.

Rising Home Prices Could Impact Your Net Worth

Rising Home Prices and Last Minute Gifts for Fathers Day

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Could Rising Home Prices Impact Your Net Worth?
This past year has had a pronounced effect on the housing market. Low home inventory and high buyer demand have driven home prices to an all-time high. This has given an unexpected financial boost to many homeowners during a challenging time. However, for some renters, rising home prices are making dreams of homeownership feel further out of reach.
If you’re a homeowner, it’s important for you to understand how your home’s value contributes to your overall net worth. If you’re a renter, now is the time for you to figure out how homeownership fits into your short-term goals and your long-term financial future.

 

What is net worth?
Net worth is the net balance of your total assets minus your total liabilities. Or, basically, it is what you own minus what you owe.
Assets include your checking and savings accounts, investment account balances, salable items like jewelry or a car, and your home and any other real estate you own. Liabilities include your total debt obligations like car loans, credit card debt, student loans, and the amount you owe on your mortgage, as well as outstanding bills and taxes.

How do I calculate my net worth?
To calculate your net worth, you’ll want to add up all of your assets and all of your liabilities. Then subtract your total liabilities from your total assets. The balance represents your current net worth.
As a homeowner, you enjoy significant stability through your monthly real estate investment, also known as your home mortgage payment. While the actual value of your home can fluctuate depending on market conditions, your mortgage payment will decrease your liability each month. Right now, due to increased buyer demand, your asset may be worth significantly more than it was this time last year.Contact us for a free assessment of your home’s market value so you can accurately determine your current net worth.

How can real estate increase my net worth?
When you put your real estate dollars to work, it’s possible to grow your net worth, generate cash flow, and even fund your retirement. Here’s how.
Property Appreciation
Historically, home prices have been shown to experience an upward trend punctuated by intermittent booms and corrections. Right now, prices are at an all-time high due to a combination of record-low interest rates, strong buyer demand, and limited housing inventory. Well-planned and executed home improvements can also impact a home’s value and increase homeowner equity at the same time.
Investment Property
The purchase of a real estate investment property offers the opportunity to increase your net worth through both appreciation and cash flow. If you currently have significant equity in your home, let's talk about how you could put that equity to work by funding the purchase of an investment property.

 

We're Here to Help
If you want to learn more about growing your net worth through real estate, we can schedule a free consultation to answer your questions and explore your options. Whether you’re hoping to maximize the value of your current home or invest in a new property, we’re here to help you achieve your real estate goals. Contact us at [email protected]
The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult the appropriate professionals for advice regarding your individual needs.

20 Last-Minute Father’s Day Gifts Your Dad Will Truly Enjoy

source: CNN

click here to read entire article

 
Father’s Day is coming up on June 20, but don’t worry if you’ve been stumped about what to get the man who has it all — or if the holiday simply slipped your mind. There’s still plenty of time to find something special for the dad in your life.
We’ve rounded up 20 thoughtful gifts that are guaranteed to arrive within two days, thanks to Amazon Prime shipping. Need more ideas? Check out our guides to Target gifts, practical gifts, Nordstrom gifts and unique gifts for that one-of-a-kind dad.

Summer Concert Fun is Coming!

Beachlife Festival is on this year!

What could be better than a concert festival at the beach!

Click for more info https://www.beachlifefestival.com/

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

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You can update your preferences or unsubscribe from this list.

Spamnesty

  • Subject: Re: Rising Home Prices Could Impact Your Net Worth
  • On: June 15, 2021, 5:01 p.m.

Hello,
I talked to my colleagues about this but they seemed to have some apprehensions; namely, they're worried that the offer isn't fleshed out enough. Would you be able to go into more detail about exactly how this would be structured?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: Thinking About an ADU?Just About Anything is Possible!
  • On: June 26, 2021, 5:49 p.m.

Thinking About an ADU?Just About Anything is Possible!

ADUs; what you don’t know could cost you. Learn more here!

View this email in your browser

Thinking About Adding an ADU?

In CA, Just About Anything is Possible!

Have you thought about adding one but are not sure where to start?  What you don't know about Accessory Dwelling Units could cost you!  Get started on the right track here.

Mindy and Deborah:

We interviewed Kristen Flores, Construction Program Manager and Principal of Flo Engineering, who specializes in helping people navigate the ADU build process, to give us the details of what it takes to build an ADU in Southern California.

Kristen informed us that whatever you thought about ADUs in the past to ignore that. They are worth it and worth looking into!

READ MORE ABOUT ADUs HERE.

Photo credit: Flo Engineering Inc.

Mindy and Deborah: ADUs are a hot topic right now. Homeowners want extra income and, people working from home need more space. Tell us what an ADU is and why it might be beneficial to build one?

 

Kristen: An accessory dwelling unit (ADU) is a smaller, independent housing unit located on the same lot as an existing residence and is an affordable type of housing unit to build in California.  ADUs can be considered the next revolutionary add to a homeowner’s property, as they increase property value, supply affordable housing, provide additional housing for family or guests, and provide additional income to homeowners.  For a building to be considered an ADU it must contain a kitchen or kitchenette, living area, plumbing/sanitation, and a separate entrance.  The square footage of an ADU can vary and there are size restrictions based on what city you live in and the size of your lot.

 

Mindy and Deborah: Can you give us a little history about the creation of ADUs in California and what has recently changed?

 

Kristen: ADUs were approved in June 2017 when the state of California declared it was in a housing crisis and needed a solution. Officials got creative and started thinking of ways to build more affordable housing in our state; and the ADU was created and approved. Back then, building an ADU was much more restrictive and not as affordable.  Also, cities were not accommodating to help homeowners get started. 

 

A big improvement from the ADU requirements in 2017, was an added discussion about how to best incentivize homeowners to want to build an ADU.  Over 70% of households in California are at max living capacity with 2 to 3 people in their homes.  As of January 2020, many of the original ADU restrictions have been lifted, making these units more attractive to homeowners.  Mostly due in part to the severe housing shortage in the state, which forced the federal government to give the state monetary incentives to encourage homeowners to build ADUs.  Los Angeles was deemed one of the counties in California with the greatest housing shortage.  The government is now incentivizing cities to encourage homeowners to build ADUs to help with the housing shortage in our state.

 

Mindy and Deborah: What are some of the new incentives?

 

Kristen: It has taken almost three years for cities to understand how best to incentivize homeowners and for homeowners to realize that building an ADU is a profitable venture and worth it. Grants include: LEAP Grants, REAP Grants, and SB 2 Planning Grants.

 

For investors who want to build an ADU and flip houses, incentives have also been added. For example, there are companies like Rent the Backyard where you sell a portion of your property, and a company comes in to build the ADU. You are basically renting your backyard to a company who builds the ADU.

 

Want to know more about the 2020 changes?

8 Things to Know About California’s 2020 ADU rule changes

 

Mindy and Deborah: What is the biggest hurdle for people considering an ADU?

 

Kristen: Homeowners have been apprehensive to consider an ADU because they typically do not know where to begin.  There are many considerations: Do I call the city I live in first to get approval and are there any requirements? Should I call a company like Flo Engineering to get an estimate of costs and determine whether it makes sense to build an ADU on my property? Do I need an architect? Where can I put an ADU and how big can it be? Are there any loans available or any restrictions if I want to rent it out? Can it be used as a vacation rental?

 

Another problem we run into is people get overly zealous and tend to want to overbuild their ADU, which can end up decreasing the value of your property. Our goal is to find a perfect fit for your ADU that adds value to your property. 

 

Where you can place your ADU is relative to the city and specifically the HCD (Housing and Community Development Department) representative I communicate with regarding each project. One of the benefits of using a rep like myself, is that I can get creative with a homeowner’s permit request, so the likelihood of it passing is greater.

 

Mindy and Deborah: Who should a homeowner call first if they want to build an ADU?

 

Kristen: Before you call anyone, you should write down the reasons you want to build an ADU, how it will affect where you currently live (if you live in the primary dwelling), where you want to put it, how big you think you want it and other critical requirements. Make a list of questions you have, so you are prepared and can get the most realistic answers before you begin. Many people who contact their local city first might be dissuaded to build an ADU and end up getting denied if they do not have all the necessary info or if the city is backlogged with other projects. Making your first call to a company like ours, can save you a ton of time and money trying to figure it all out for yourself, and ultimately avoid making missteps.  That way, your dream of building an ADU becomes a reality much quicker.

 

There are many facets of this project that homeowners do not often think of. Our goal is to help the homeowner navigate the often-confusing process of envisioning, resourcing, and building an ADU on their property.  We do all the legwork and research ahead of time to provide you with the information needed to determine if building an ADU, and what type of ADU, is right for you.  We provide the ideal team and resources when it comes to the construction of your ADU. You want someone who understands the intricacies of ADUs and how to achieve this project effectively and efficiently. 

 

Mindy and Deborah:  What is the process like if a homeowner chooses to meet with an engineering firm like yours? 

 

Kristen: The first thing I do is sit down with my clients to determine what their objective is for building an ADU. Is it to expand your current living space by adding a gym or an office? Or maybe you need additional living space for a young adult who recently graduated from college or aging in-laws who you want to live closer to you. The most common reason people build ADUs is to create additional income for themselves by renting out the unit. 

 

Once that is determined, we will devise a plan for the client.  We are also very knowledgeable about financing and can provide loan options as well.  For example, if a client’s intention is to rent out the ADU to low-income residents, there are programs available that you would want to take advantage of, such as the LA ADU Accelerator Program or the CalHome program, Affordable Housing Trust Funds. If your intention is to build a back office or in-law suite, then we can help you decipher between a HELOC (Home Equity Line of Credit: always preferred, reassures that you do not build more than the equity in your property) and a construction loan. You would definitely want to take advantage of these programs to save money. 

 

Once the ADU intention is determined, we will discuss design.  Do you want a studio, one-bedroom or 2-bedroom unit? How many square feet do you want or need, and so on, to determine the best fit.

 

From there we start the process of hiring the necessary people to start your project. Based on our knowledge and extensive network, we lock arms with our clients to decide which contractors, engineers, designers are best to begin and finish each project.

 

Mindy and Deborah: Are there any hidden issues or concerns that people often do not think of when decided to build an ADU? 

 

Kristen:  Yes! ADUs can get very costly if you didn’t factor in having to add water lines or power lines for instance. Or if you need a soils engineer because you live on a hillside or in a sandy area.  Do you need an architect to draft plans or will a draftsman suffice? Often, we need to determine if excavation is necessary; can we fit a bobcat in to remove dirt, and what are the cost implications? 

 

We can do all this research ahead of time, so you are fully aware of all the costs before you begin. Why take it on yourself? Save yourself the grief and have someone knowledgeable guide you through the process.

 

One thing to note.  ADU regulations are subject to change regarding the regulations around the California housing crisis. 

If you would like to know more about ADUs, please refer to the reference sites below.  And - always check with your local municipality for ADU specifications.

California Department of Housing and Community Development:

 

FAQs about ADUs:

http://caladu.org/ordinance/FAQsADUs.pdf

 

https://www.laadu.org/

 

California's New Accessory Dwelling Units Laws: What You Should Know

FLO Engineering Inc. 

Contact Kristen directly for more information on ADUs and the various sizes and requirements for California.

Copyright © 2021 Mindy and Deborah, All rights reserved.

You are receiving this email because you opted in via our website.

Our mailing address is:

Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
Add us to your address book

Want to change how you receive these emails?

You can update your preferences or unsubscribe from this list.

Spamnesty

  • Subject: Re: Thinking About an ADU?Just About Anything is Possible!
  • On: June 26, 2021, 10:21 p.m.

Hello,
That is very interesting! Could you elaborate? Do you have any details online I could look at?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: CA's Housing Crisis Could Be Coming to Your Neighborhood!
  • On: July 31, 2021, 12:18 a.m.

CA's Housing Crisis Could Be Coming to Your Neighborhood!

Here's How You Can Take Action

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CA's Housing Crisis Could be Coming to Your Neighborhood!
 
This July 9, 2021 Los Angeles Times article highlights how recent senate bills, if passed, could greatly impact many California neighborhoods including yours.

From the Times article: In recent years, a group of California lawmakers has been pushing for legislation to override locally approved zoning rules and permit denser development in residential neighborhoods. At the moment, a bill is rushing toward passage in the state Legislature that would dramatically and undemocratically rewrite land-use rules in California. Read the rest of the article here and make sure to contact your local city/state representative to voice your opinion!

Will the Senate Bills Target Your California Town?  Find out here.
 

A glance at what your neighborhood could look like if SB 9 or 10 passes.

Understanding Closing Costs
 
Closing costs are an essential expense of homebuying and include a variety of payments beyond your property's purchase price. Part of the closing cost, the real estate agent commissions, is paid by home sellers.

You could pay fees for an attorney, a title search, title insurance, taxes, lender costs and homeowners insurance. Some are nonnegotiable, like recording or transfer taxes charged by your state or local government.

However, your lender's fee can be negotiated. The home seller or lender may cover some of your closing costs. Closing costs depend on loan size and tax laws, but on average, purchasers should expect 2% to 5% of the net purchase price.

Within three days of your loan application's receipt, you'll get a loan estimate. Three days before your closing, you'll receive your closing disclosure with the final details of your loan and your closing costs.

Closing costs can be divided into three sections:

Lender's fees — Some lenders wrap costs into an origination fee. Others break them out: courier fees, appraisal costs, administrative fees, processing fees, credit check, transfer taxes, a flood certification (if required) and underwriting fees.
Discount point — This is an optional closing cost equal to 1% of the loan amount. It can be used to lower your interest rate. Consult with your lender for the pros and cons of paying discount points.
Title company fees — These are about 70% of closing costs, so shop around for companies offering title search, title insurance and settlement services.

Compare settlement fees, which can vary by several hundred dollars. Make sure you understand what's covered.
Buy optional owner's title insurance to protect your own investment in the home.

Both types provide protection if someone claims they have an ownership right to your home or that they haven't been paid for work on the property and have a lien against it.
Title insurance helps if the previous owners failed to pay property taxes.
Try to get a reissue rate instead of a new rate to save you as much as 40% — this is available in some situations.

Prepaid costs — Most lenders require you to set up an escrow or impound account to collect homeowners insurance and property taxes; if you make a down payment of 20% or more, you can sometimes be exempt.

At closing, you'll pay one year of your homeowners insurance, with two months of premiums kept in reserve. You will be required to pay two to six months of property taxes, depending on when the tax bill is due.

You can negotiate with sellers to finance closing costs.

Buyers can ask sellers to raise the purchase price for a credit at the settlement table to cover closing costs. If it's a buyer's market, you can ask sellers to pay closing costs outright.
You can request lender-paid closing costs. The lender pays closing costs and charges a slightly higher interest rate to recoup the money.

Here are other closing-cost tips:

Low-to-moderate-income households can apply for homeowner assistance. These are loans with slightly higher interest rates, but some or all of your down payment and closing costs are covered. They are intended to help families keep cash in reserve for emergencies.
You're not obligated to accept real estate agents' recommendations about a title company. You can shop around.
You can negotiate the settlement date. If you close at the end of the month, the lender will charge only one or two days of prepaid interest, but if you close on the first of the month, you'll pay the full 30 days. Your closing date impacts when your first mortgage payment is due.

Closing costs may seem excessive but conducting a title search helps you make sure you have legal possession of the home, and the escrow account protects you from neglecting to set aside money for taxes and insurance. However, negotiating, comparing fees, and financing your closing costs with your seller or lender can make closing costs easier to handle.

This is just a summary. Not all situations will allow for all these possibilities. Your best bet is to be aware of them, and discuss them with your real estate agent, attorney, mortgage bank and other financial professionals.

Some Friday Fun!

Do you ever read your horoscope and think, Wow, that’s totally me? That can apply to pets too! Whether you’re a believer or skeptic, here’s our fun take on what your pet’s zodiac sign may say about them.

 

Aquarius: Aquariuses make the most creative pets! Ready to turn any object into a toy, they might be a little aloof when playtime’s over. Don’t take it personally—they’re just exerting their independence.

Pisces: Pisces pets are very in touch with their emotions—and yours! If you’re having a bad day, you can be sure that they’ll climb into your lap to give you some extra loving.

Aries: Aries pets aren’t ones to slow down—they’re always on the move and are quite active. Perfect for those who love the outdoors, they’ll be an ideal companion on long walks!

Taurus: Tauruses are fancy-pants, so don’t be surprised if your pet enjoys the finer things in life, like luxury food, state-of-the-art toys or a nap in a cashmere blanket! Rest assured, they’ll always love you too.

Gemini: This twin sign is known to have two sides—one that’s super active and one that needs space to recuperate and be by themselves. But when they find their people, Gemini pets will be a friend for life.

Cancer: A water sign, Cancer pets are known for their intuition and emotional intelligence. Always a loyal companion, they’ll stick with you through the good and bad!

Leo: Get ready to share the spotlight with your Leo pet! Natural-born leaders, they’ll always be top dog or cat in your household. One great thing about them? They’re fiercely loyal.

Virgo: Hardworking, determined and grounded (but with a secret sensitive side), Virgo pets are devoted companions and will be very vocal about their love for you!

Libra: Gentle, sensitive and intuitive, Libra pets make a calm household companion and will add to the harmony of your home. Don’t be surprised if they want to cuddle as soon as you get home from work!

Scorpio: When Scorpio pets set their mind on something, they won’t stop until they get what they want! Passionate and spunky, you’ll never get bored with them.

Sagittarius: Sagittarius pets are naturally curious, so they’ll want to explore their surroundings and any new people that come to visit! They’re also super lovable and affectionate.

Capricorn: These pets make the best protectors (no matter what their size!) because they’re so loyal to those they love. They’ll always be by your side!

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Spamnesty

  • Subject: Re: CA's Housing Crisis Could Be Coming to Your Neighborhood!
  • On: July 31, 2021, 9:44 a.m.

Hello,
Thank you for your email! However, I don't know if this will fit in our budget. Is there anything better you could do?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: Is the housing market cooling down?
  • On: Aug. 18, 2021, 11:05 p.m.

Is the housing market cooling down?

Here are some housing market trends and summer housing predictions you can expect!

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Is the Red-Hot Housing Market in California Finally Starting to Cool?

It’s a small shift but according to multiple sources, the market is starting to cool off a bit. Read more here.

If you’re preparing to buy or sell a home soon, it’s important to know just what lies ahead of you, so we’re sharing a few housing market trends and summer housing market predictions you can expect to see this year.
Mortgage rates are rising, but they will remain comparatively low. While the increase might be relatively small, it can still make the difference of tens of thousands of dollars of interest over the course of your loan. It's not the first time this has happened over the past year. As a result, it’s difficult to know if this trend will continue. That being said, rates are still low when compared to pre-pandemic levels.

Demand is still high, driving home prices even higher. The high demand for home buyers and limited inventory of homes on the market have created a perfect storm to prices rising. According to Zillow, U.S. home values have increased 11.6% over the past year. Although there is more inventory coming up, that means a whole lot more buyers in the coming to later months too. 

The home buying process may take longer than usual. Several factors have come together and caused the mortgage closing process to be slower than usual. First, the large increase in demand has simply created more work for mortgage lenders.

In an effort to ensure that only truly qualified buyers are getting loans, lenders have become more strict with their income, employment, and credit requirements. As a result, it may take longer to process each loan and you'll want to be ready months in advance.

Housing transactions will rise with increased vaccine rollout.  As the coronavirus vaccine continues to roll out, much of people’s lives are returning to a semblance of normal. The mortgage industry is no exception. Many homeowners have been hesitant to sell their homes over the past year due to uncertainty.

The bottom line, this summer, we’re likely to expect more home listings. This could be good news for buyers, as an increase in inventory may help level the playing field a bit.

Knowing where home prices are headed is crucial if you're deciding on the best time to sell.  Experts say home prices will continue to appreciate this year - but likely at a slower pace.  If you're looking to maximize your house's potential, now may be the time to list. Message us so we can talk about home price appreciation and what it means for you. 

Curious Why Your Pet Does These Silly Things?

Our pets can be such goofballs sometimes, but we love them for it! While the reasons behind some of their quirky habits will forever stay a mystery, let's decode other silly antics that actually make total sense. Which of these behaviors does your pet do?  Click on the behavior you are curious to learn more about and find out why!

Why does my cat knead things?

Why do dogs tilt their heads?

Why does my cat ignore me when I call her?

Why does my dog chase his tail?

Why does my cat rub his face on me or on objects in my house?

Copyright © 2021 Mindy and Deborah, All rights reserved.

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Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
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Spamnesty

  • Subject: Re: Is the housing market cooling down?
  • On: Aug. 18, 2021, 11:44 p.m.

Hi,
that sounds impressive! I am excited to hear more about your company. Can you help me with some references, completed projects, partners, etc.?

Steven Tapia
CEO, MNesty, LLC

Spammer

  • Subject: How Millennials Are Changing The Mortgage And Home Buying Market
  • On: Sept. 3, 2021, 9:37 p.m.

How Millennials Are Changing The Mortgage And Home Buying Market

Summer is Coming to a Close.Say goodbye to summer grilling with a burger fest.🍔

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How Millennials Are Changing The Mortgage And Home Buying Market

Millennials are ending their leases, moving out and buying houses in larger numbers. In fact, they make up the fastest-growing segment of buyers today, according to a recent National Association of Realtors report. Particularly, those in their late 20s to early 30s are pushing this segment along the most. A Pew Research study found that household income rates of this bunch were two to four times higher than that of other age groups.
Millennials are having an impact on the market, and it’s not just buyers. A Zillow study found that about half of all buyers are under the age of 36 and about half of the sellers are under 41. The movement in the market by millennials is likely due to growth in their careers, higher income and paying off student loans and other personal debts. Read the article here

Summer is Coming to a Close.

Say goodbye to summer grilling with a burger fest.

Check out the LA Times Best Burger Recipes here

Copyright © 2021 Mindy and Deborah, All rights reserved.

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Mindy and Deborah1720 S Elena AveRedondo Beach, CA 90277-5705
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  • Subject: Re: How Millennials Are Changing The Mortgage And Home Buying Market
  • On: Sept. 4, 2021, 2:08 a.m.

Hello,
I am a bit busy now, but I am definitely interested. When can we talk?

Steven Tapia
CEO, MNesty, LLC