14905 Arroyo Rosita - Contemporary 4 bedroom home for sale on 1.3 acres!
Gorgeous Contemporary 4 bedroom home located on 1.3 acre in a quiet private 4 home gated community on the border between Del Mar and Rancho Santa Fe communities. This home features a very beautiful setting complete with a tree lined driveway, sparkling pool & spa, built-in BBQ, lush tropical landscaping which includes specimen trees and plants, rose bushes and fruit tree orchard, spectacular cathedral ceilings, slate and wood floors, stainless appliances, and slab granite counters. The spacious master bedroom suite is on the main floor that includes a sauna in the master bath. This home is located conveniently close to shopping, restaurant, beaches, schools, parks and freeway access. This home is currently being offered for sale at $1,899,000.
Robbi Campbell Properties
Sunday, May 23, 2010
Thursday, May 20, 2010
Top 5 Ways to Use your Tax Refund!
Thousands of Americans are receiving income tax refunds from the U.S. government, with the IRS reporting an average refund of $2,940 this year. In the current economy, consumers can make strategic choices to make sure that refund pays off for them.As a member of the Top 5 in Real Estate Network®, I, along with my team, are always happy to forward any information that might be of interest and/or help to you.
According to Freedom Tax Relief (www.freedomtaxrelief.com), many tax refund recipients might be thinking of creative ways to spend that cash as the economy starts to recover. But before getting carried away, they suggest thinking more long term. Freedom Tax Relief suggests the following as the top ways to wisely spend an income tax refund:
1. Pay down credit card and other high-interest debts (including payday loans). Few investments can top the rate of return for eliminating debt. Paying off credit card debt at typical interest rates effectively makes an investment that returns 20 percent or more per year. The only caveat: Be certain you change your mindset as well. If you pay off debts, only to charge up the credit cards or sign for a new car loan a few months later, you have ultimately gained nothing. If credit card debt is your problem, cut up or freeze your credit cards to ensure you do not re-create the same problem you have left behind. Use a debit card for future purchases that require a card. Ready to pay down your debt? List and pay secured debts first (mortgage, car). Mortgage payments should take absolute priority. Then list unsecured debts (credit cards, loans) in order of highest interest rates. Make minimum payments on all but the highest-rate card. Use every cent of available income to make large payments on the card with the highest rate. When that card is paid off, apply the big payment plus the old minimum payment on the next-highest rate card until it is paid off. Continue until all debt is eliminated.
2. Create an emergency fund.
The Great Recession has pointed out the importance of an emergency fund. Those who do not yet have enough readily accessible money set aside to cover several months' worth of expenses should consider a tax refund a prime opportunity to create a fund that ultimately includes 6-9 months' living expenses. These amounts are not necessarily equal to salary. Instead, they should include only what the household would spend if it were in dire straits. House these savings in a money market fund or rolling CDs so that the money earns interest and cannot easily be spent -- but can be accessed in an emergency.
3. Make sure you have adequate insurance.
Everyone should have health, auto, and home or renters insurance. If dependents rely on breadwinners' income, look into life insurance. Consider an umbrella policy to protect from additional liability. And if the household could not survive without an income, purchase disability coverage. This is a huge savings step – one trip to the emergency room or one minor accident can easily end up costing thousands or tens of thousands of dollars out of pocket.
4. Fund the future.
Contribute to retirement savings, whether an individual or Roth IRA, 401(k) or other plan.
5. Invest in the home.
Homeowners might consider using refunds to cover major or minor maintenance to make sure no bigger (and more expensive) problems arise down the road. In addition, these capital improvements can create additional equity in a home. No matter how big or small the amount, and despite the temptation to celebrate and splurge, make your choice on what to do with any refund carefully, experts say. Take time to make sure your money works for you and helps build wealth.For more information, please call Robbi Campbell Properties at 858-436-3290 or e-mail our team, and please forward this email on to anyone you believe will benefit.
According to Freedom Tax Relief (www.freedomtaxrelief.com), many tax refund recipients might be thinking of creative ways to spend that cash as the economy starts to recover. But before getting carried away, they suggest thinking more long term. Freedom Tax Relief suggests the following as the top ways to wisely spend an income tax refund:
1. Pay down credit card and other high-interest debts (including payday loans). Few investments can top the rate of return for eliminating debt. Paying off credit card debt at typical interest rates effectively makes an investment that returns 20 percent or more per year. The only caveat: Be certain you change your mindset as well. If you pay off debts, only to charge up the credit cards or sign for a new car loan a few months later, you have ultimately gained nothing. If credit card debt is your problem, cut up or freeze your credit cards to ensure you do not re-create the same problem you have left behind. Use a debit card for future purchases that require a card. Ready to pay down your debt? List and pay secured debts first (mortgage, car). Mortgage payments should take absolute priority. Then list unsecured debts (credit cards, loans) in order of highest interest rates. Make minimum payments on all but the highest-rate card. Use every cent of available income to make large payments on the card with the highest rate. When that card is paid off, apply the big payment plus the old minimum payment on the next-highest rate card until it is paid off. Continue until all debt is eliminated.
2. Create an emergency fund.
The Great Recession has pointed out the importance of an emergency fund. Those who do not yet have enough readily accessible money set aside to cover several months' worth of expenses should consider a tax refund a prime opportunity to create a fund that ultimately includes 6-9 months' living expenses. These amounts are not necessarily equal to salary. Instead, they should include only what the household would spend if it were in dire straits. House these savings in a money market fund or rolling CDs so that the money earns interest and cannot easily be spent -- but can be accessed in an emergency.
3. Make sure you have adequate insurance.
Everyone should have health, auto, and home or renters insurance. If dependents rely on breadwinners' income, look into life insurance. Consider an umbrella policy to protect from additional liability. And if the household could not survive without an income, purchase disability coverage. This is a huge savings step – one trip to the emergency room or one minor accident can easily end up costing thousands or tens of thousands of dollars out of pocket.
4. Fund the future.
Contribute to retirement savings, whether an individual or Roth IRA, 401(k) or other plan.
5. Invest in the home.
Homeowners might consider using refunds to cover major or minor maintenance to make sure no bigger (and more expensive) problems arise down the road. In addition, these capital improvements can create additional equity in a home. No matter how big or small the amount, and despite the temptation to celebrate and splurge, make your choice on what to do with any refund carefully, experts say. Take time to make sure your money works for you and helps build wealth.For more information, please call Robbi Campbell Properties at 858-436-3290 or e-mail our team, and please forward this email on to anyone you believe will benefit.
Wednesday, May 19, 2010
New Home for Sale at 13118 Sea Knoll Court, Carmel Valley 92130
Come see our new home for sale at 13118 Sea Knoll Court! Priced to sell at $1,124,900! For more photos and virtual tour, click here
Call Robbi Campbell Properties at 858-436-3290 or email at robbi@robbicampbell.com for any questions or more info!
Call Robbi Campbell Properties at 858-436-3290 or email at robbi@robbicampbell.com for any questions or more info!
Tuesday, May 18, 2010
New Home for Sale at 13118 Sea Knoll Court, Carmel Valley 92130
New Home for Sale at 13118 Sea Knoll Court, San Diego, Carmel Valley, 92130.
1st time on market! Beautiful plan 1 Huntington Heights home on quiet established cul-de-sac street! Gated courtyard entrance! Pecan wood and limestone floors. Optional fireplace in living room. Cathedral ceilings, crown moulding, wood cased windows, neutral paint and carpet, Granite counters in kitchen. Lovely western facing backyard with grassy play area, stone platner walls, specimen trees and roses! Security system, dual Air conditioning, walter filtration system. Walking distance to Ashley Falls school and park, Temple Beth Am, and Cathedral High school. No HOA fees. Call Robbi Campbell Properties for questions at 858-436-3290!
1st time on market! Beautiful plan 1 Huntington Heights home on quiet established cul-de-sac street! Gated courtyard entrance! Pecan wood and limestone floors. Optional fireplace in living room. Cathedral ceilings, crown moulding, wood cased windows, neutral paint and carpet, Granite counters in kitchen. Lovely western facing backyard with grassy play area, stone platner walls, specimen trees and roses! Security system, dual Air conditioning, walter filtration system. Walking distance to Ashley Falls school and park, Temple Beth Am, and Cathedral High school. No HOA fees. Call Robbi Campbell Properties for questions at 858-436-3290!
Thursday, May 6, 2010
Top 5 Remodeling Headaches to Avoid!
Whether you’re adding a room to accommodate an expanding family or remodeling to increase value, home renovations can be one of the best investments you make, especially in today’s economy. The key to a successful remodel, however, is knowing what mistakes to avoid.
As a member of the Top 5 in Real Estate Network®, We have advised many clients on what renovations will offer the best return on their investment and pay dividends when the time comes to sell their home.
According to a Consumer Reports poll, the most popular remodeling projects for homeowners are kitchens (19%) and bathrooms (17%). In another survey, however, Consumer Reports asked 6,000 readers to reveal what went wrong when they remodeled their kitchens and baths and how much those mistakes added to the overall cost of their projects. Here's how to avoid their mistakes and save:
1.Don't rush in. Changing plans is the most common, but costliest remodeling gaffe. Be sure to leave time for research and create a comprehensive plan, listing every product.
2.Prepare for the unexpected. There's a lot going on behind the walls. Unexpected water damage was an issue with 17% of bathroom remodels, while structural problems caused headaches for 10% of kitchen projects. A good contractor will be able to anticipate such problems, allowing the homeowner to budget accordingly.
3.Don't chase the “low ball.” Contractors are lowering their profit margins due to the tight market, but they often make up their costs in labor or other areas. Readers who went for “low-ball” pricing ended up spending a median of $1,500 extra for labor on their kitchens and $1,000 extra on their bathrooms. Don't sign a contract with a lot of open-ended amounts for products and materials—these are called "allowances," in contractor speak.
4.Get the paperwork in order. Have the contractor attach copies of his or her up-to-date license, insurance, and workers' compensation policies to the written contract. He or she should also get permits and provide a lien waiver when the job is done; this will keep suppliers from contacting the homeowner for unpaid bills.
5.Focus on the boring bits. Specifying lighting and placement of trash cans are not much fun, but are critical to the process. For example, the proper exhaust fan will prevent mildew in baths and vent odors in kitchens.
Following the above advice will help ensure a successful—and profitable—remodel. For more information or for contractor referrals, please e-mail us at robbi@robbicampbell.com or call at 858-436-3292. And please forward this on to anyone you know in the midst of remodeling— don’t let them make these same mistakes!
As a member of the Top 5 in Real Estate Network®, We have advised many clients on what renovations will offer the best return on their investment and pay dividends when the time comes to sell their home.
According to a Consumer Reports poll, the most popular remodeling projects for homeowners are kitchens (19%) and bathrooms (17%). In another survey, however, Consumer Reports asked 6,000 readers to reveal what went wrong when they remodeled their kitchens and baths and how much those mistakes added to the overall cost of their projects. Here's how to avoid their mistakes and save:
1.Don't rush in. Changing plans is the most common, but costliest remodeling gaffe. Be sure to leave time for research and create a comprehensive plan, listing every product.
2.Prepare for the unexpected. There's a lot going on behind the walls. Unexpected water damage was an issue with 17% of bathroom remodels, while structural problems caused headaches for 10% of kitchen projects. A good contractor will be able to anticipate such problems, allowing the homeowner to budget accordingly.
3.Don't chase the “low ball.” Contractors are lowering their profit margins due to the tight market, but they often make up their costs in labor or other areas. Readers who went for “low-ball” pricing ended up spending a median of $1,500 extra for labor on their kitchens and $1,000 extra on their bathrooms. Don't sign a contract with a lot of open-ended amounts for products and materials—these are called "allowances," in contractor speak.
4.Get the paperwork in order. Have the contractor attach copies of his or her up-to-date license, insurance, and workers' compensation policies to the written contract. He or she should also get permits and provide a lien waiver when the job is done; this will keep suppliers from contacting the homeowner for unpaid bills.
5.Focus on the boring bits. Specifying lighting and placement of trash cans are not much fun, but are critical to the process. For example, the proper exhaust fan will prevent mildew in baths and vent odors in kitchens.
Following the above advice will help ensure a successful—and profitable—remodel. For more information or for contractor referrals, please e-mail us at robbi@robbicampbell.com or call at 858-436-3292
Subscribe to:
Posts (Atom)
