Charmed for Lunch in Capitola

http://www.bloomsburytearoom.com/

The Bloomsbury Tea Room

Well worth the investigation! Great food,service and ambiance!
After a couple attempts to try this little gem we succeeded. Even though a couple of trees were down and we sauntered through our rare rain storms.

The charming decor, the charming wait staff and owner and the food was delicate, delicious and perfect for an afternoon of dallying around.
I have always loved Capitola, lived here, worked here and now relish finds like this that keep it on my constant path.
This is locally owned, staffed and all components are fresh made.
You won't be disappointed - You Will Be Charmed!

Energized Santa Cruz

This is the Santa Cruz I remember growing up! Windy, wild, energized.
The way one feels in a short time in this town. So much to see, do, accomplish and so much fun getting there.
Come along and enjoy the ride.

Santa Cruz's Perfect Garden conditions

One of the greatest activities to be involved in, is Gardening! Or if you are really a devotee farming!
It revives the soul, makes one realize the basics of life and allows you to connect with a higher power.
While in the garden you not only see the beauty of nature, visit with all sorts or creatures but you get dirty and feel so good about it. The smells, tastes, textures of all you are around is invigorating and reminds you of what is really important and the cycle of life.
Don't pass up taking care of the earth and providing for the growth of something in what ever degree or fashion you can. Containers, strips around your condo, house or a section of your property. To tend the land, reap from it and share your labor whether it be edibles or flowers is such a gift.
Plant those seeds, tend the soil and spend time watching nature take root and develope into some of the most incredible creations.

Don't waste time thinking about it, the rains will soon be here and thats the best start to a gardens life.

The cabin at the lake

Once you come here its hard to leave!

Still some benefits to moving!

With the latest revision for Homebuyers, read up on the changes that make it attractive to make that move.

New $6,500 federal tax credit for “move-up” home buyers may benefit you

The federal government recently extended and expanded the federal tax credit for home buyers. The tax credit now concludes June 30, 2010 instead of Nov. 30, 2009, and also includes existing homeowners who meet certain qualifications.



MAKING SENSE OF THE STORY FOR CONSUMERS

Current homeowners are eligible for a $6,500 federal tax credit if they have lived in their current home for a consecutive five out of the last eight years, and the adjusted household income does not exceed $125,000 for single files or $225,000 for join filers.

The expanded tax credit went into effect Nov. 6, the day President Obama signed the bill. Homes that close escrow between Nov. 6, 2009 and June 30, 2010 are eligible to apply for the tax credit.

The legislation does not require homeowners to sell their current residence; however, the new home must be the primary residence and the price of the home must not exceed the limit of $800,000. Homeowners who plan to retain their current home as a rental or second home are advised to move into the new home the day escrow closes so there is no question it was the principal residence at the time of the tax credit.

Almost all housing types are eligible, including new and existing single-family homes, condominiums, manufactured or mobile homes, and boats that serve as the owner’s principal residence. Second homes and investment properties are not eligible.

Home buyers in 2009—those who close after Nov. 6, but no later than Dec. 31, can claim the $6,500 credit on their 2009 federal tax returns, or amend their 2008 returns. Similarly, eligible buyers in 2010 will be able to file for the credit on their 2009 returns or 2010 returns. All home buyers should talk to a tax advisor regarding timing decisions.

First time home buyers shouldn't wait too long!

The outlook for getting into that first home is looking up. Income ratios, supply of available units and tax incentives are driving this positive reading. Jump on board - Good Things don't last forever!


http://tinyurl.com/ygnd6g9

Deed in Lieu

There are so many tricky ways being tauted to stall the inevitable. Loosing your home. These are times to be wary of everything you hear and throughly check with agencies that have authority before getting your hopes to high!

Great article dispels many confused on the issue of 'Deeds in Lieu' give it a quick read and then you'll get it! http://tinyurl.com/yg3c3ju