Real Estate & Home Loan Specialists
Serving Californians since 1992

OCTOBER 2004

Dear Friends,

Election day – Tuesday, November 2 will soon be here. Please don’t take your right to vote for granted. If you’d like to know who I’m voting for please give me a call.

If you are looking for some Halloween fun, I suggest going to the corn maze at Ardenwood Farm. If you go at night, they make it a bit scarier for you with ghosts and goblins that jump out at you from the corn stalks. You can also visit their pumpkin patch and take a train ride.

Real Estate Update

Sales are still going strong, with 2004 year to-date unit sales and average selling price in most markets being higher than this time last year.

Check out the latest stats at: http://www.bayeast.org/buysell_housingstats.html or

http://www.sanjoseproperty.com/newsletter.html

If you want to know what the price of home sold for shoot me an email with the property address.

Property Taxes Are Due Nov. 1 late on Dec. 10.

There are really no valid excuses for not paying on time, even if you didn’t get a property tax bill. Alameda County and a few others offer online access to your assessment and payment history online. To find out more at go to: http://www.smafinancing.com/property_taxes.htm

Prepay your 2nd Installment

Consult your tax consultant to see if it makes sense to make both property tax payments before year end (you need to make sure the extra payment doesn’t throw you into AMT Tax).

Tax Newsletter

Are you looking for a tax newsletter, here’s a free one I subscribe to that does a good job of updating me recent legislation. http://taxtrimmers.com/

National Do Not Call Registry Logo

Refi Central

The latest jobs report showed the economy was producing far fewer jobs than expected. As a result rates retreated lower, under the expectation that the Fed would be raising rates at a slower pace than they currently are expected to.

Definition of a No Cost Refinance is one in which the only thing you pay for at closing are interest, taxes and insurance.

Shopping Deals

http://www.slickdeals.net/ Amazing bargains across a broad category of goods.

http://dealnews.com/ Great deals – focused mostly on technology items.

Looking for a Traffic School

If you have to go to traffic school, try it online. I did, and it’s much better than sitting in classroom on a Saturday or Sunday and it only costs $17.95.

Health Spa

Back in 1998, I was feeling very sluggish, and just couldn’t concentrate on anything for too long. I was also getting sick quite a lot. I was referred to the Optimum Health Institute in Austin. It was an amazing experience, and the end result was high energy, and a year of no allergies.

Though most of the people that visit the non-profit institute are suffering from a life threatening illness like cancer or chronic disease like arthritis, I think almost everyone would benefit from a 1 week stay. The program involves, eating raw foods, wheat grass, massage, exercise and colonics.

Would You Like a Free Sweet Lime Tree

My dad’s has 11 Sweet Lime Trees to give away. Let me know if you’d like one. In India the sweet lime is therapeutically valued for its cooling effect in cases of fever and jaundice. It’s also though to be cure for malaria.

Sweet lime is a fruit that resembles lemons in every respect, except it does not have the mouth-puckering taste. Its mild, sweet juice tastes like home-made lemonade.

SMA Realty & Finance.

Service is our number one goal, and the reason that 99% of our customers come from referrals. If there is any way we can help you, a friend or a neighbor, please let us know. Please forward this to any of your friends, you think may enjoy it or benefit from it.

Best regards,

Sunil Sethi, Broker, MBA, CPA

UCLA Anderson School of Business ‘98

London Business School ‘97

UC Berkeley ‘98

SMA Realty & Finance