Grunion Runs 2012

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grunionAs a parent now, you want to show your child all the things you’ve done when you are little. One of the things that my brother and I did when we were little was grunion running.

Little silvery fish called grunions would get washed up on the shores between the months of March to July, and the females will dig themselves into the sand to lay eggs and the males will wrap around them to fertilize the eggs. The grunions return to sea when the waves wash them back into the water.

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As low as 3% down payment for purchase loan

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mortgage-lending20% down payment seem impossible when homes in Southern California range from $300K and up for a 3 bedroom, but how about 3% down payment? There are 3 loans out there right now that I know of that offer 3% down payment.

OPTION 1: FHA loan offered by the Federal Housing Administration that offers buyers to purchase a home under FHA loan amount limits. FHA loans are offered through the major banks like Chase, Wells Fargo, Bank of America. If you stop by your local branch, they carry the FHA loan product and you can get a loan approval through them.

http://www.fha.com/lending_limits_state.cfm?state=CALIFORNIA

(for other states, please refer to the www.fha.com website)

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Buying Foreclosed Homes

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foreclosure-home-sale-sign-webThere’s a lot of talk about how much equity could be earned if you purchase a foreclosed home, but the big question is HOW? There are so many companies out there talking about “Rent to Own”, “Short Sales” or “Buy a foreclosed home”, but what’s real and what’s a scam?

First I want to start off with purchasing a foreclosed home. Foreclosed homes are homes where the owners have fallen behind on their payments and can no longer pay the mortgage on their home. After a certain period of not paying for your home, the lender that holds your mortgage deed can proceed to take back the home. This way, the mortgage lender can then try to sell the home and recoup of the cost of the initial lending.

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Get Shaved

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entrance

A year ago in the summer, I found a little trendy shaved ice spot in Torrance and never got a chance to try it. Today, after a swim with my son, we decided to give it a try.

Get Shaved, located at 1790 W. Carson St. Unit B, Torrance CA is a little dessert place next to Ralphs. The colorfully decorated space speaks “cute” all over.  You head to the counter to order and you’ll find 4 steps for ordering.

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SUMMER VACATION IN LAS VEGAS, NEVADA

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I was trying to figure out where to vacation this year. My choice was either Orlando, FL, where my step-son lives, or Las Vegas, NV. After the cost analysis, it makes more sense for us to stay close to home, in Southern California, rather than bearing the cost of peak season flights and car rentals. I thought if we only rented a time-share resort, we can have a nice 2 week vacation at the resort. Parent can relax. The boys can swim in the pool. Sometime, less is more!

I find in this age of digital everything and over stimulating games and tv entertainment, the best thing for the boys is still just some card or board games and spending time with each other in the “old fashion” way.

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To new beginnings

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Inspiration can come from so many places and this one came from my favorite BBC series, Anne of Green Gables. I remmber my English major roommate Sarah sat me down to watch it with her over tea & crackers. The story is about a young red-headed girl who just had a mind of her own. From a young school age girl struggling her identity and then blossoming into a young woman who is daring, intelligent and just has the most wonderful spirit. I loved that series. A wonderful book and movie series to watch with your little girl!

Today was not a good day for me and as I was blogging, I was reminded of something. A saying in the movie when Anne of Green Gables spoke to her aunt, “Marilla, isn’t it nice to think that tomorrow is a new day with no mistakes in it yet?” – Lucy Maud Montgomery, Anne of Green Gables

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On the Move

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south-bay-beachesLuck has it that my family moves every 2-3 years. Two years ago, my family moved from Orange County, CA to Torrance, CA because the location of the South Bay is easily assessable to all the local freeways like the 405, 110, 91. It made sense to shorten our commute to work in LA by moving closer to my husband job.

Whenever I move to a new city as a parent, I’m always on a look out for the local community activities. First place I hit, the nearest public library. Every city has their community program flyers and brochures laid out at the libraries for the public’s use. When I moved to Torrance, I found a book called SEASONS. It’s the recreation and public class guide. Within the SEASONS booklet, you’ll find classes for children and adults which include sports, swim and toddler classes all for affordable prices.

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Want to be a FREEBIRDS FANATIC?

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 first-25My cousin Carol asked me, “Want to camp out in front of Freebirds World Burrito overnight to win 1 year of burrito?”

I said, “YES! OF COURSE”

Before the camp out, Carol picked me up and drove me to the Freebirds near USC which marks the first time I’ve ever tasted a Freebird burrito. Knowing that the ingredients were grass fed beef, all natural chicken, fresh produce and ingredients made fresh every morning, I felt the LOVE behind the burrito already.

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Teaching them young to BUILD and CREATE

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build-and-grow-clinic

One of the most fulfilling things about being a parent is that you can mold and teach your child to be anything they want to be. That process starts young and there are many community businesses that help with that development.

Lowe’s is not a store just for grown-ups, but it offers “BUILD and GROW” clinics FREE to the public for kids every other Saturday at 10am. Kids are given an apron and a little patch each time they finish a project. It’s a great way to teach your kids that they can build and create what they want with the materials given. It also builds self-esteem as they see the work of their hands.

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