Slightly more than one in three Americans (34.1 percent) own their home free and clear, according to data released by the U.S. Census Bureau. According to the 2011 American Housing Survey, the median homeowner has a mortgage payment of $1,015 per month, homeowners insurance of $696 a year, property taxes of $1,812 per year, and spend $396 per year on routine maintenance.
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Julie: A Life Transformed - Troubled Teen to Confident Woman
For Julie, Olive Crest was her true saving grace. After being kicked out of the house at 13, put in Juvenile Hall for shoplifting, and several unsuccessful group homes, she was on the fast track to giving up. At 15, she found Olive Crest, and her life changed dramatically. For the first time she felt truly loved and cared for by the people in her life. She worked hard in high school to graduate and attend college. When Julie turned 17, she left Olive Crest and began to start a life on her own. She already owned her own car, had a full-time job, and lived in an apartment. The skills and confidence that Julie learned at Olive Crest while receiving the love she needed ensured her successful future.
To find out more about Olive Crest, visit www.OliveCrest.org
"There's nothing that cleanses your soul like getting the hell kicked out of you."
~ Woody Hayes (Ohio State University Football Coach
and WWII Veteran)
THE ART OF FAILURE!
Have you noticed that there are fewer “losers” in schools these days? That there are more "awards" for achievement than actual accomplishments? There seems to be a trend developing whereby we are afraid to let our children fail.
Are you successful simply because you do not fail? What of the lessons of disappointment that go unlearned? The highest achievers lack recognition, while those who place second, third or fourth still get gold medals!
It’s no joke – a recent article about a rural youth horse show reported that all of the riders in the class who “placed” took home a BLUE ribbon. This is disastrous. What meaning does winning have when everyone is a winner?
We’re robbing our children of the developmental opportunity to fail and then lose their fear of failing. They must lose the championship and learn that the sun will rise tomorrow, and that another season will come with its prospects for victory.
Scientist and inventor Charles Kettering once wrote, “We need to teach… that it is not a disgrace to fail and that [we] must analyze every failure to find its cause. [We] must learn how to fail intelligently, for failing is one of the greatest arts of the world.”
By all means, do encourage young people to try their very hardest and to enjoy victory when it is theirs. But do not try to protect them from the disappointment of failure when it falls to them. It is an absolutely critical building block in developing their ability to have faith in themselves.
We love to see their smiles when they win an award, and we hate to see their despondence when they do not. Now let them experience those same contrary feelings, and continue their growth into the balanced and well-adjusted folks we strive to be!
What is a Homestead?
A homestead in California gives protection against involuntary claims against the property of an owner. If a money judgement is rendered against a homeowner in court, the person winning the judgment against the homeowner may try to collect the monetary damages by garnishing wages, bank accounts, and selling personal property to satisfy the judgment. The homestead law offers protection of a specific amount of equity depending on the classification of the homeowner. A homestead can either be automatic or declared. The State of California provides for an automatic homestead, but it may still be the best to record a declaration of homestead with the County Recorder's office.
Every homeowner has an automatic homestead exemption of at least $50,000 for their property. In California, this protection is automatic and doesn't require any signing or filing of documents. The exemption amount increases to $75,000 if at least one member of the family living in the home owns no interest in the house, as in families living with minor children. The exemption rises to $150,000 when a homeowner becomes 65 years of age or older, or becomes physically or mentally disabled. This $150,000 exemption also applies to persons 55 years of age or older if that person is single, and has a gross annual income of $15,000 or less, or married and has a combined annual income of $20,000 or less, and the sale of the property is involuntary.
To declare a homestead, a single-page document is usually filed with the County Recorder in the county where the property is situated. Declared homestead doesn't change or increase exemption amounts, but offers extra protection - it is not automatically lost when a homeowner sells. Proceeds of a sale is also protected, exempted by the homestead from creditors for 6 months after te sale - even if the home was sold voluntarily. Before such a claim can be filed against the property, a lawsuit judgment is normally required. There is usually notice ahead of time, and a homestead declaration can be filed even at the last minute.
If you want to declare a homestead declaration, you can do it yourself without using a professional service. Purchase a homestead declaration form from a legal forms supply store, or simply purchase and download online. Fill out the form including a complete legal description of the property that you can obtain from your grant deed. You will need to sign the forms and have them notarized. To file your completed form, mail or take it to the County Recorder's office and pay the recording fees set forth.
A homestead declaration doesn't protect against a forced sale of your property by a savings and loan, bank or lender holding a mortgage deed of trust on the property. It will not protect against a judgment for child support, spousal support, or in the event of an enforced valid mechanic's lien.
SLEEP, PERCHANCE TO DREAM!
How did you sleep last night? Hopefully, you didn't toss and turn worrying about the start of another workweek. A lot of us have trouble these days getting what our minds and bodies need most - rest. We rush around all day, do chores into the evening, don't eat as well as we should, and go to bed later than we ought to. Then we lie awake thinking about everything we did today, and everything we have to do tomorrow. We're so darned tired when we go to bed that we can't actually sleep!
It's a modern day dilemma of our fast-paced, do-more-in-less-time culture. The irony, however, is that our periods of rest and relaxation are vitally important to our success. When we sleep, we heal - and we dream. Bedtime is the time to put aside worries of today and plans of tomorrow - to take a reckoning of the day and be satisfied that you made it through.
Try to squeeze in some "downtime" before turning out the lights - some light reading or a little quiet time on the porch or patio. Anything you do to put the day's cares out of your mind will help you sleep when you finally close your eyes.
A big factor in clearing your mind? Forgiveness. It has been said that "one of the secrets of a long and fruitful life is to forgive everybody everything every night before you go to bed." Whether for ourselves or others, forgiving what's happened today will greatly improve your outlook for tomorrow.
Imagine the beauty of going to bed with no anger or regret in your heart. Imagine waking up in that same state. Forgive our hectic world, forgive yourself for trying to do too much. Tonight, relax and let yourself dream.
March is an exciting time in the desert with world-class events placing us right in the global spotlight! The La Quinta Arts Festival is the #1 ranked art and craft festival of its kind in the nation. Set amidst the visually stunning La Quinta Civic Center Campus, visitors come from everywhere to exxplore and experience amazing works of art from paintings to sculpture, pottery, photography and more. The event is produced by the La Quinta Arts Foundation each year, in partnership with the City of La Quinta. The Festival raises funds for the Foundation's non-profit mission of promiting and cultivating the arts. It runs March 6 through 9 from 10am-5pm.
The whole world will be watching as today's top tennis pros take to the courts at our newly expanded Indian Wells Tennis Garden for the BNP Paribas Tennis Open. What an exciting experience to watch the best-of-the-best in action within this beautiful venue. It all starts on March 3 and runs through March 16.
Timothy: A Life Transformed.
When he came to Olive Crest, Timothy struggled with a number of negative behaviors, including poor school attendance, altercations with peers, affiliation with white supremacy groups, and substance abuse. At first defiant with authority, Timothy was resistant to participate in his program. But the Olive Crest team perservered, and gradually his tough exterior began to fall away. After a couple of months, Timothy warmed up to the team and started making notable progress. His self-esteem increased and he started conquering his battle with substance abuse. He began attending school daily, participating in the classroom setting, and openly enrolled himself in the Reserve Officers Traing Corps (ROTC). To encourage his continued growth, Timothy's Olive Crest team assisted in purchasing his ROTC uniform to further motivate him to achieve his goals.
To find out more about Olive Crest, and how you can help, log on to: www.OliveCrest.org
Palm Springs was recently named the 4th Friendliest Small City in the Nation!
The list was created by Movato, an online Real Estate brokerage based in San Mateo, CA. It compiled and examined info of 100 cities with under 50,000 in population and ranked them based on crime, charity, gift stores, etc.
Movato looked at seven measurable criteria to create the list of Friendliest Smaller Cities:
* Violent crime rate
* Percent of income given to charity
* Flower & gift stores per capita
* Card & stationery stores per capita
* Bars per capita (Palm Springs took first in this category, one bar for every 792 residents)
* Farmers' markets per capita
* Religious organizations per capita
* Facebook "Likes"
The Top Ten Friendliest Small Cities:
1. San Luis Obispo, CA
2. Charlottesville, VA
3. Olympia, WA
4. Palm Springs, CA
5. Harrisburg, PA
6. Littleton, CO
7. Joplin, MO
8. Grapevine, TX
9. Galveston, TX
10. Coral Gables, FL
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