Rio Vista Beacon newspaper, Jan 26, 2011

Page 1

Weekly Direct Mailed Paper

Volume 13

Issue 4

Check Out Our Website www.riovistabeacon.com

www.RioVistaBeacon.com

Tradin Post Opens

(925) 550-7811

riovistabeacon@gmail.com

Soroptimist Student of The Month

Judy English Co Owner Of TheTradin Post Tom and Judy English of Rio Vista had just sold their boat and they were wondering what they could invest their money in. They thought about real estate and then asked around in the community, on what would be a good retail store to open. Their thoughts kept coming back to a work clothing store for men. The English’s then decided to open Tradin Post a store designed for the men (or women) that work in the service oriented field. They are located on 25 S 3rd Street. The shop has only been open just a few weeks and they have had an overwhelming amount of positive response from Rio Vista. “There was just no where local, that the blue collar workers could go to shop,” says Judy. “Tom and I wanted to put our money back into the local economy of Rio Vista.” Tradin Post has just about everything a man would need for work. It offers; T-shirts,

socks and underclothing. Pants, jackets, insulated bibs and warm outerwear. With name brands like Dickies, Lee, Wrangler and Hanes. Down the road they will offer boots and other items. If you don’t see what you would like in the store, they will special order it for you. They also will take men and womens jeans for resale. The English’s are new to the retail business. Judy worked in El Dorado County as a Deck Hand for the Real Mc Coy Ferry for 5 ½ years and Tom still works for Caltrans as a Draw Bridge Operator. Tradin Post is open Monday thru Saturday from 10-6. Their Grand Opening Celebration will be Saturday January 29 all day long. They will be serving hot dogs and soda. The store will offer Grand Opening Specials. Don’t forget to come by. For more information call 925-584-7677. Happy Shopping

January, 26 2011

4.3 Million Dollar Ferry Comes To Rio Vista

Rio Vista High School’s Science Department has selected Marissa Mayhood as the Soroptimist Student of the Month for January. She will report to the membership on student activities and sports during the month. Marissa is herself deeply involved in activities and sports. She plays left hitter in volleyball,and point guard in basketball, and is a softball shortstop. She also plays AYSO soccer. Marissa is a Student Rotarian, and serves as an officer in Interact (Vice President), AFS (activity director), and

National Honor Society (Secretary). She has also been the Associated Student Body Vice President. Off-campus, Marissa, along with brothers Aiden and Nathan, has appeared in several plays presented by No Small Things Productions. She tutors middle- school students and has a part-time job as well. Playing the guitar and drawing are Marissa’s favorite leisure activities. Looking toward the future, she plans to attend Cal Poly SLO and major in Psychology.

The Real McCoy is one of the two ferries that carry tourists, workers, and farmers across the Delta between Star Route 84 in Rio Vista and Ryder Island in Solano County. A new Real McCoy Ferry called the Real McCoy II will replace the 65 year old ferry sometime this next week. Currently the ferry is docked at Dutra’s waiting to be put into position.

It’s No Small Thing To Be A Volunteer Rio Vista’s No Small Thing Production’s play for Spring (Scheduled for May 20, 21, 22) will be “Around the World in a Daze”. The characters in the play will be visiting: Hawaii Japan Australia India China Germany Italy Spain Portugal France Denmark There will be scenes about each of these countries. We want very much to involve members of the Community. If you can sing in any of these lan-

guages, if you know a folk dance, can play a musical instrument or can tell a story, we would appreciate your help. We are hoping to have some of you participate in the play itself but if you only want to pass on information and not be a player that will also be most appreciated. Just contact the script writer,Janey Callahan-Chin, at (707)374-6060 or by mail at PO Box 404 Rio Vista

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Page 2

The Agenda A Community Connection By Janith Norman, Rio Vista City Council

Annexation of land into the Lighting and Landscaping District (LLD) No. 95-2 (Summerset Rio Vista) dominated the discussion during the City Council meeting held January 20, 2011. Recently, questions have been raised concerning whether land at Trilogy has been officially annexed into the District. In an effort to resolve the issue, the City Council directed staff to do everything possible to locate the original documentation that includes the provision permitting subsequent phases of the development to be automatically annexed and/or a provision of approval that future properties be annexed into the District. According to the staff report, no such documentation has been found. Due to past practices and past filing procedures, it has not been uncommon for staff to be unsuccessful in locating historical documents. However, City staff has been

able to locate documentation that formation of the District was approved by the City Council during a public meeting on April 18, 1996 and on May 16, 1996. No written protests to the formation of the District were received, and on May 16, 1996, the City Council adopted the formation of the Summerset Rio Visa LLD No. 95-2. The City Council will have to decide whether to proceed with a ratification process. This would entail the Council approving a resolution that adopts the position that the remainder of the District is in fact a part of the District because property owners in subsequent phases of Trilogy were assessed and because they received a special benefit from the assessment. The Council received one written protest to this ratification. The protest asks for the City to undergo a Prop 218 process to allow the property owners to vote on whether to continue to be

part of the LLD.Moving forward toward a way to resolve the issue, the City Council will hold a meeting at Trilogy to discuss the appropriate next steps. During last night’s Council meeting, I raised several concerns. Here are a few of them:• The City is currently preparing for a Prop 218 vote on water and sewer rates The City has limited staff There is a $460,000 deficit in the General Fund If annexation into the LLD is not approved, the City will be responsible for the landscape and lighting now covered by the LLD How will the City pay for the landscape and lighting maintenance? Wll the maintenance provided by the LLD funds continue if the City cannot pay for maintenance? Will the areas around Trilogy become blighted? What will happen to property values at Trilogy? At the time of this writing a date for the meeting had not been set. It is anticipated that one will be scheduled soon. Upcoming Special City Council Meeting On Wednesday, January 23, 2011 at 5:30 p.m., the City Council will hold a special meeting to discuss the budget. Also on the agenda will be a proposal for an alternative plan of action in light of the filing of the Citizens’

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Rio Vista Muffler

Initiative to Rollback the Water and Sewer Rates. I will present the Council with a proposal for a Plan B. It is imperative that the City investigate and examine all possible options. If you have any suggestions, please attend the meeting and share your ideas. You may also send your thoughts to the Council via email, and, of course, you can always contact me. Your comments are always welcomed at www.JanithNorman.com. Send emails to Janith@JanithNorman. com or call 374-6451. Stop by city hall on Tuesdays between 1:00 and 3:00 to chat. I am also available on Tuesdays between 3:00 to 5:00 by appointment.

Local Basketball Free Throw Champs

The Knights of Columbus Council serving the Rio Vista - Isleton communities is pleased to announce the winners of it’s annual basketball Free Throw Championship held Jan 19th at Riverview Middle School. This year’s winners from Rio Vista at Kira Gifford, Robert Zamarripa, Ariana Mandujano, Jacob Fortes, Holly Chandler, TJ Wahl, and Joey Doner. Winners from Isleton were

Victor Garcia and Robin Samano. The winner this year will compete on Feb 12th in Vacaville against the winners from Councils in Fairfield, Vacaville and Dixon for the chance to compete in the Northern California Chapter later in February. Your local Knights thank all who participated in this year contest and look forward to next year’s event.

Children’s Clothing Exchange Sponsored by St. Brigid’s Episcopal Church of Rio Vista Saturday, January 29th

New Larger Location! DH White Elementary—Tapella Auditorium 500 Elm Way, Rio Vista 10am—2pm

Bring your children’s outgrown clothes, clean and in good condition to trade for used clothes of the right size. Receive credit for each item of clothing donated and then exchange them for clothing in the correct size. All seasons are being exchanged so stock up on what you will need for spring and summer. Clothing limited to children sizes (no adult clothing, please) DON’T STAND IN LINE TO GET IN! SAVE TIME BY TURNING IN YOUR CLOTHES EARLY! THEN JUST PICK UP YOUR CREDITS AT THE DOOR! CALL 707 374-2667 FOR DROP OFF/PICK UP! Don’t have clothes to exchange, but would like to come shop? You may exchange canned goods for clothing items. Canned fruit, vegetables, soups and chilies preferred. Food will benefit the Rio Vista Community Services Grandparents, family members and friends are all welcome! Don’t need to trade, but have clothes to donate to the Exchange? Call St. Brigid’s Episcopal Church of Rio Vista at 707-374-2667 to arrange pick-up!

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by Marla Luckhardt For the past few years, many conversations have started with “in these economic times…”. We have all changed our spending habits either from necessity or fear and when I meet people that take time out of their busy schedules to help others, I am honored. That is how I feel about the people in the Senior Coalition of the East Bay. This is a group of caring volunteers that get together once a month to share ideas and solutions to issues involving seniors. They provide me with a world of information and I am a sponge, absorbing everything I can and writing the rest down so I don’t forget anything. I will be sharing this wealth with you over the next several articles. Without Walls is a program that blew me away when I heard about it. It’s free and simple and just plain great!

Senior Center Without Walls offers activities, friendly conversation and an assortment of classes to adults over 60 who find it difficult to get to activities in their communities. From the comfort of your own home you can use the telephone to connect to their programs. Some of the activities include things like a book group, guided tours of other countries, word games, puzzles, bird watching and support groups. These are just a few! You can call them to see how you can participate at 510 444 5974 or toll free at 1 877 797 7299. Susannah Meyer is the program manager for Friendly Visitors at Meals on Wheels by Senior Outreach Services and I learned that it’s not just an organization that provides needed meals. They offer a program for seniors that are isolated and would like to have a caring, dependable visitor with a positive outlook and a big smile come and spend some time with them. They can set up one visit or one each week. These sweet people offer their time free of charge to take a walk, share memories, have a cup of tea or just chat

and visit. Maybe you would enjoy working on your favorite puzzle or play a game of cards! To hear more about this you can contact Susannah Meyer at 925 937 8311 or email her at smeyer@mowsos. org. You can also visit their website at www.mowsos. org. These two programs are just the tip of my iceberg. Everything they do is done from the heart and without financial gain. Their reward is a smile and perhaps a hug! One of the articles I recently wrote was about An Elderly Wish, which was followed up with a great article from our editor. I wanted to share a quick update and let you know that a wonderful family responded to these articles and a special family reunion took place as a result. This made my heart sing! As always, feel free to contact me at my e mail or cell phone if you have any questions. STAY HEALTHY Marla Luckhardt 925 922 0314 Marla2054@aol.com

Smart Class

The California Highway Patrol in Fairfield will be conducting a Start Smart class. The CHP will be hosting a class on January 27th , 2011. These classes will be held at the CHP Office at 3050 Travis Blvd. in the city of Fairfield. Classes will run from 6-8 P.M. Start Smart is an education program for both teenage

rules of the road, some video clips and related movies designed to inform parents of the restrictions on teen drivers and give some important information to those teens that are about to or have recently received their license. There is no cost for the classes, no need to sign up and parents are welcome to attend.

drivers and their parents. Statistics show that young drivers who have recently received their driver’s license are five times more likely to be involved in an accident than more seasoned, experienced drivers. Traffic accidents continue to be the leading cause of death for young people, age 15-20. Start Smart is a review of the

Any questions can be directed to Officer Chris Parker at the Solano CHP Office in Fairfield. (707) 428-2100

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Page 4

Bridge Over Troubled Waters by: Pastor Ella Ray Toscano

Last week we were in Covina. We left Rio Vista in sweaters and arrived in Covina to see people wearing summer clothes and shorts. It was a gift to see the surrounding mountains. Usually the smog obliterates the view, but this time we were given a glance at the majesty of the snow capped peaks. I was reminded of the song “There Will Be Peace in the Valley,” but peace there was not. Two high schools had to be shut down due to gunfire. One was in Gardenia and one in Woodland Hills. Peace was replaced with fear. On our return to Rio Vista there was an Amber alert on highway five. All of this is on the heels of Tucson could give one a spirit of fear. The twenty third Psalm says,” Though I walk through the shadow of death I will fear no evil.”In my opinion we walk in the shadow of many things and one of them is fear. Norman Vincent Peale said that fear was a conglomeration of sinister shadows and a

shadow has no substance. It would be easy to allow the spirit of fear to permeate our lives especially with the recent event in Tucson. Some once said that fear is an acronym meaning False Expectation Appearing Real. The truth is a bridge to living without fear. The truth is Jesus. He enables us to exit from a position of fear to a position of faith. It is very easy to fall into a fear pattern when we look at all of the recent acts of violence coupled with the current economics . However scripture continually reminds us that in Christ there is no fear. If he is our Shepherd then he sends his angels,”Shirley Goodnest” and “Marcy” to follow us all the days of our lives. Jesus also told us,”See to it that you are not alarmed!” (Matthew 24:6) The Message reads,” “When reports come in of wars and rumored wars, keep your head and don’t panic!” When someone responds to a request with,” I will see to it” it confirms their commitment. The

Lord tells us to see to it that we are not alarmed and by all means do not panic… he has the whole world in his hands. Though we walk through the valley of the shadow of fear our Shepherd, the Lord Jesus Christ, goes before us and leads us. No matter what we see or hear that causes fear God is still in control. This week I tried to find the site of the Azusa Street Revival which was an amazing outpouring of the Holy Spirit in the early 1900s. It was a historical event that was the beginning of the Pentecostal movement. We had the address but there was nothing there. I thought that there might have been a placard or something to denote the miracle but there was nothing to be seen. However we know that a mighty movement of God happened. The Holy Spirit cannot be seen or contained but it can be experienced. The Azusa experience is one of history but it could happen again. I believe there is untapped power available to all Christians at this very moment. This is the power from the Holy Spirit .This power will zap the power of fear. When we walk in the spirit we can see Shirley Goodnest and Marcy following us. For those who do not remember Continued On Pg 5

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Real Estate Q&A By Sam Richards

Richards Real Estate

SUFFERING LENDER ABUSE Q. Being laid off at work, my Wife was struggling to make payments and we fell behind on our house payment. Our lender offered a loan modification with a reduced payment, and if we made that payment on time for 3 months, then they would make that be the payment I made from then on. Instead, after I made the reduced payment on time for 3 months, they decided I didn’t qualify and told me I had to make up the difference of the new payment and original, plus late fees and penalties. That came to $7k which I don’t have, so now they are going to foreclose! What was the point of all the modification

nonsense? J.W. Rio Vista A. The federal government, in an effort to slow the rate of foreclosures, initiated the Making Homes Affordable program to force lenders to work with home owners. Before they can foreclose, if you are still living in the home, they must offer a loan modification. Mostly what is happening is the lenders/ Banks are using a “check that box” attitude toward loan modifications. As long as they can show they attempted a modification, then they can move on to a short sale or foreclosure. The rate of successful modifications has to be less than 5% of applicants. Your lender is simply going to look at the most profitable aspect of your loan, and usually that involves selling and moving on. Unfortunately, the process raises your hopes

and sets you up for a big letdown at the end, and it seems to me the lender should be made more accountable for stomping on your emotions and sending you into anxiety with fear of being homeless. There are no solutions to this horrible misuse of the good intentions of the Making Homes Affordable program, and the federal government cannot force evaluation policy on lenders and banks, so they do what is required and then foreclose.Some tips for the time after you have moved out and your lender if finished abusing you, protect as much of your credit as possible. Don’t give up and just stop paying everything. You will probably have to rent, so you will need enough credit to pass a screening. Pay everything you can, especially utilities. A credit score as low as 550 can still put you in a rental, so mediate credit cards and anyone else you owe for smaller monthly payments and be on time every month. When you get back to work, you can recover

your higher credit rating, and after 2 or 3 years even buy another home. Q. My home is being sold on a short sale. I haven’t been able to make my house payment, but I could make a rental payment which is about a third as much. My problem is bad credit from inability to make the house payment, and rental companies keep turning me down. Is there any solution? T.V. Rio Vista A. Trying to rent through property management companies will be more difficult; typically they manage but do not own the property, so they must meet owner guidelines on qualifications. What you want to look for is a “for rent” that is direct from the owner. They will be more concerned about ability to pay rather than credit. Often they don’t even pull the credit, so don’t go to them saying how bad your credit is! Be honest if asked, but also be advised that every time your credit is pulled, your score drops 8-23 points. So, if you are applying direct to homeown-

ers, go online and get a copy of your report and keep it handy for review

if needed. Call, we can help. 707-374-6491 or visit www. richards-realestate.com

Pastor Ella Continued From Pg.4 the 23rd Psalm it reads… surely goodness and mercy will follow me all the days of my life. When the events of the day seem to enable the spirit of fear one needs to remember the shepherd. When the coyotes wailed at night the shepherd threw more logs on the fire. As he did so he saw thousands of little lights all around him. He realized that they

were the eyes of his sheep. In the midst of danger the sheep were looking towards the shepherd not toward the coyotes. Look to Jesus…(Hebrews 12)…. Look for his angels Shirley Goodnest and Marcy! They will follow us so we can dwell in the house of the Lord …not the house of fear. Courage is fear that has said its prayers.

Rio Vista Lions Club and Soroptimist International present their first Princess Ball. February 12, 2011 6:00 pm Dinner 7:00 -9:00 pm Dancing St. Joseph’s Hall (220 S. 4th Street) Cost: $20.00 per “couple” (Dad/Daughter) Plus $5.00 per additional girl Ticket information will be distributed through Riverview Middle School and the elementary school district. Purchase tickets by February 6th. For ticket call Warren Oglove @ (707) 374-3477 or contact him via email @ warrenoglove@aol.com

Rambling Around Rio

The First Congregational Church is not a denomination it is an Association. It is part of an Association with the Congregational Churches throughout the United States called the National Association of Congregational Christian Churches.We are a local independent church. Start the New Year with God. Find a church and worship locally...saves on the gas! If you do not have a home church the doors are always open at 230 Sacramento Street. Join us as we worship in the name of Jesus every Sunday at 11:A.M. If you are a newcomer to Rio Vista church is a good way to meet new friends who will support you in prayer and fellowship. Adult Sunday school is from 10:00-10:45 A.M. Sunday.Children’s church meets during church. A fellowship hour follows church at 12:00. Choir practices every Sunday at 5:P.M. Bible study groups meet during the week .

Our next event is a Valentine’s breakfast at the Striper. If you have a prayer request or need information call the office 374 2033 Hope to see you Sunday....Pastor Ella Ray Toscano.

February 1 DELTA TEA PARTY PATRIOTS MEETING The Delta Tea Party Patriots will meet on Tuesday, February 1 6:30 Pm at the Veteran’s Memorial Hall, 610 St. Francis Way, Rio Vista. Dr. Schulz will be the guest speaker and his topic will be “The Inevitable Collapse of the American Dollar.” For more information: www.deltateapartypatriots. blogspot.com or dtppatriots@gmail.com. February 11 DELTA TEA PARTY PATRIOTS SPECIAL EVENT The Delta Tea Party Patriots will present a special event on Tuesday, February 11 6:30 Pm at the Veteran’s Memorial Hall, 610 St. Francis Way, Rio Vista. Dr. History will be speaking and his topic is “Recapturing the Founder’s Dream.” For more information: www.deltateapartypatriots. blogspot.com or dtppatriots@gmail.com.

The City Of Rio Vista Is Accepting Applications For One (1) Vacancy On The Army Base Steering Committee. This is a Council subcommittee to analyze options for the reuse and redevelopment of the Army Base. Application deadline is January 24, 2011. For an application and more information, please contact Marni Rittburg at City Hall, (707) 374-6451 ext 103.

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All who seek Christ are welcome. We meet at 218 California Street, Community outreach is a priority of this church.

Holy Eucharist Every Sunday at 10:30 a.m. with refreshments following. Evening Prayer service is 1st Tuesday at 7 p.m. (707) 374-2667

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®, TM, © 2011 Jelly Belly Candy Company, Fairfield, CA 94533 U.S.A.

Visit JellyBelly.com Or Call 1-800-953-5592 For More Information

In our private & shared rooms Montoring & observation to update families Highly trained, certifies CPR, health & Safety, fingerprinted staff Free non obligated assessment Fresh home cooked nutritional snacks & meals Conducts regular social fun and recreational Activates in or outside home Medication management Continence management Daily living assistance Respite living assistance

Golden Star Home In our Home Environment we provide 24 hours 7 days, personalized care

672 Rubier Way, Rio Vista 707-374-4087 Mention This Ad And Receive 5% Off 3 months rent.

Hospice care Dementia/Alzheimer’s care Ambulatory & non ambulatory, Lic # 486801846

pine bedding & litter (1200 cubic inches) $2.49

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TEDDY BEAR HAMSTERS $4.99 w/purchase of any Hamster cage 2/14/11

FULL LINE OF PET SUPPLIES WE HAVE BIRDS, HAMSTERS & FISH

Page 7

Order Lobster For Your Special Someone

One Enchanted Evening: Romantic Lobster Dinner for Valentine’s Day Valentine’s Day is coming soon; is a romantic dinner in the cards? If you’d like to enjoy a special meal at home, Rio Vista Soroptimist members are offering a treat. You can plan an elegant evening featuring a fresh lobster dinner without the trouble and expense of dining out.Or, for a livelier evening, get a group together and have an old-fashioned Down East lobster feed! You can

order your lobsters live or cooked, for pickup on Friday, February 11. The cost is only $20 apiece, and all proceeds benefit local Soroptimist charitable projects and scholarships for graduating RVHS students. Orders may be placed through February 3, with any Soroptimist, at Books Rio V (207-A Main), or by calling Chandra Drury, 374-6865. Want to add a delicious ending to your dinner, or surprise someone special with something sweet? Soroptimist members are also selling See’s candy, delivered fresh to Rio Vista. Orders may be placed for Valentine’s Day (by February 3), or for Easter (by April 7).Contact any Soroptimist, Books Rio V, or Hope Cohn at 398-6159.

Thank You From Hello My Name Is Yogurt

My Name Is Yogurt held their ribbon cutting for their one year anniversary on Saturday January 15. They held drawings throughout the day. A big thank you to some of the local businesses that donated to the event. Here are the donations from the Rio Vista local businesses New Image- bag with hair products Bank of Rio Vista- 2 coffee cups Pharmacy- 2 boxes of sees candy Pizza Factory- family meal coupon Books of Rio Vista- $10 coupon

Tacqueria- $10 coupon Judy's- Rio Vista sweatshirt The Gym- free 30 minutes message They also gave away free yogurt cards throughout the day. The winner of the ipod nana 8g was Marco Cadenaj. The weather was foggy but it turned out to be a nice day to have our loyal customers still coming out to celebrate with us....A Thank you too all. Looking forward to a great 2011

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An Ounce of Prevention

You wouldn’t drive your car 50,000 miles without an oil change and a tuneup, so why have you waited five years to have your mouth examined and your teeth cleaned?

• Bonus Coupons • Special Offers • Photos • Guestbook • & Much More!

NEED A “ROLL UP THE SLEEVES” “HANDS ON” “RENAISSANCE STYLE” CONTRACTOR?

At Dentistry of the Delta, our aim is to restore your mouth to a healthy state so you will look and feel your best! A healthy mouth is an important part of a healthy you, and an attractive smile is one of your keys to success! Regular visits to your dentist will help you avoid unwanted pain and costly repairs.

So, to look better, feel better, and save money, call our office today!

Dentistry of the Delta

REMODEL & REPAIRS PHONE - 707-374-6693 LICENSE #914545

(707) 374-6863

139 A Bruning Avenue, Rio Vista www.dentistryofthedelta.com

STEVE WENDLING CONSTRUCTION

Dr. Mel Pearson

LET ME WORK ON YOUR HOUSE SO I DON’T HAVE TO WORK ON MINE!

Delta Pharmacy & Gifts

$4.95 Friday Lunch Specials Served 11 - 2:00 No To-Go Orders

Jan. 7th Ham Steak w/ Garlic Mashed Potatoes Calamari Strips w/ Chips Jan. 14th Foster’s Fish & Chips - lunch size Bobby Flay’s Country Captain Chicken Jan. 21st Foster’s Meat Loaf w/ Mashed Potatoes Grilled Turkey Burger w/ Potato Salad Jan. 28th Winter White Beans w/ Grilled Sausage Foster’s Famous “Hot Brown” Sandwich

Filling all of your pharmaceutical needs and so much more. No need to travel out of town for that unique gift for a special someone. Stop by today and see our wide selection of gift items that are perfect for any holiday. We feature a staff that places customer service at the top of the list. We’ll even wrap a gift you purchase at our store FREE! So, shop Delta Pharmacy & Gifts!!!

Free Gift Wrap

with minimum purchase Sale items excluded 407 Main Street, Rio Vista CA 707-374-5135 Hours: Mon-Fri. 9 a.m.-7 p.m. Sat. 9 a.m.-5 p.m. Sunday-Closed

Page 8

Buyers Are Drawn Low Six Ways To Takeby Title Prices and Low Interest

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One the many TheofWall Streetdecisions Journal is buyers have to “affordability� make when reporting that purchasing a home the is the top reason forishome way in which they want to buying in 2010. Given the hold title. There are many current market conditions, options available each this makes sense.and Accordoption regardbyto ing to differs anotherinsurvey the division of interest in Weicher Realtors, buyers the property and the way are looking for a bargain,in which the than property con-are but more ever,isthey veyed. Here are being drawn by the lowmost home common ways take title: prices and lowto interest rates.

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Rio Vista Auto Repair ning

Free Air Conditio Inspection

Sole Proprietorship: One What about pride in homperson takes title. Thea home eownership? Buying owner may selldon’t the orwill because they want the property as he she to rent was not theordrivchooses. All decisions are ing force. Instead, it comes made single downby to aprice. Another facperson regard themore distor wasinthe desiretofor position of the property. living space. According to the survey, 28% of the reCommunity Property: spondents said they bought a Title can only bethey heldwanted by house “because amore husband and wife only. living space or a larger Each owns an equal share. property�. However, 11% Both manage and both of those surveyed said must that consent to afinancial sale. Each “potential growth� may will his/her share motivated them to pur-to heirs. If there are no heirs, chase a home. Only 12% upon death, the said sharethey of of respondents the decedent passes to bought a house in 2010the due surviving spouse. to relocation. Joint Any Real Tenancy: estate agents believe number of persons hold that buyers are stillcan motivattitle. Title can be between ed by the potential financial husband wife oraany growth, and but indeed good number individuals; value inofthe form of low corporations are excluded. interest rate and discounted All persons have and home prices is theequal driving undivided interest. Upon force these days.

death, the share of the Currently the 30-year decedent to those fixed-ratepasses mortgage (FRM) remaining on title. averaged 4.74 percent with an average 0.8 point for the Tenancy Common: week, upinfrom last week Any number of persons or when it averaged 4.71 percorporations can hold title. cent. Last year at this time, The be averaged equal the shares 30-yearcan FRM or4.99 unequal. An individual percent. The 15-year share conveyed FRMmay this be week averaged separately through a sale 4.05 percent with an aver-or through death. A new heir age 0.8 point, down from orlast purchaser will become week when it averaged a4.08 tenant in common percent. A yearwith ago at other existing owners.FRM this time, the 15-year averaged 4.40 percent. The Partnerships: Any number 5-year Treasuryindexed ofhybrid persons or corporations adjustable-rate may hold title. There must mortgage (ARM) averaged be at least two. A share 3.69 percent this week, may or conveyed withbe ansold average 0.7 point, with thefrom consent of allwhen pardown last week ties. An heir or new owner it averaged 3.72 percent. A will partnerARM with yearbecome ago, thea5-year those already holding title. averaged 4.27 percent. Trust: Titlewill is held byremain How long prices alow? trustee. Interest in The answer to the this property be held by questionmay involves a complex an individual, analysis of thecorporation, depressed group or partnership. housing market. HowDismany position of shares are more foreclosures or short stipulated terms to of sales will by wethe continue the trust. Each interest may see? Predictions vary. Some be conveyed or the latter part believe that in willed to heirs separately of 2011, five years after the according to the of last batch of fiveterms year ARMs the trust.homeowners to seek drives relief, we will begin to see a For information slowmore rise in home prices.or clarification, please feel free to call 707 330-0808.

New Image Salon byĂŠAndrea

SAVE THE DATE

Foreign & Domestic Auto Repair

Complete Auto Repair Since 1967 ENGINES • CLUTCHES • TRANSMISSIONS TUNE-UPS • OIL CHANGES MUFFLERS • BRAKES

Winter Lube Oil & Filter Special

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Winter Lube Oil & Filter Special Plus Wiper Blades

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374-2796

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Saturday, January 29 & Sunday, January 30

Huge Estate Sale Open 9:00 am - 5:00 pm

New and used items including Lawn & Gardening Equipment, Home Decor, Tools, Auto, Clothes, Small Appliances, WomenÕs Accessories, Jewelry, Bedding and much more! Everything in excellent condition.

Do not miss the two day estate sale!

Located at New Image Salon, 219 Montezuma St. (Across from the library) The New Image Salon stylists will be out Saturday, January 29 - Monday, January 31, while attending the International Salon and Spa Expo. New Image Salon will be open on Tuesday, February 1. We apologize for any inconvenience and look forward to seeing our clients when we return.

Please call for an appointment

707‡374 ‡3032

219 Montezuma Street, Rio Vista, CA 94571

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