How to Prepare for Santa Ana Winds

Q. What are Santa Ana winds?

Named after Southern California’s Santa Ana Canyon and a fixture of local legend and literature, the Santa Ana is a blustery, dry and warm (often hot) wind that blows out of the desert. In Raymond Chandler’s story Red Wind, the title being one of the offshore wind’s many nicknames, the Santa Anas were introduced as “those hot dry [winds] that come down through the mountain passes and curl your hair and make your nerves jump and your skin itch.

Prepare:

Learn and teach safe fire practices:

  • Build fires away from nearby trees or bushes.
  • Always have a way to extinguish the fire quickly and completely.
  • Install smoke detectors on every level of your home and near sleeping areas.
  • Never leave a fire-even a cigarette-burning unattended.
  • Avoid open burning completely, and especially during dry season.

Protect your home:  All vegetation is fuel for a wildfire, though some trees and shrubs are more flammable than others. To reduce the risk, modify or eliminate brush, trees and other vegetation near your home. The greater the distance is between your home and the vegetation, the greater the protection.  Leaves, trash and other combustible materials should be cleared from underneath sun decks and porches.  Find more information on ways to protect your home at www.fema.gov/hazard/wildfire/wf_prepare.shtm#3.

Learn and teach safe fire practices:

  • Build fires away from nearby trees or bushes.
  • Always have a way to extinguish the fire quickly and completely.
  • Install smoke detectors on every level of your home and near sleeping areas.
  • Never leave a fire-even a cigarette-burning unattended.
  • Avoid open burning completely, and especially during dry season.
  • If you have an exterior television antenna or satellite dish, tighten it up or remove it for a short while. These things have been known to fly off and leave you with nothing but some exposed wires.
  • Check roof shingles annually. Some people keep a small stack of extra shingles to replace the ones we lose every year.
  • Duct tape: it isn’t exactly a pretty choice, you can reinforce your windows with duct tape. The wind would blow and stretch our windows inward, but they’d never break.
  • Check and tighten shutters.
  • Keep all trees and bushes properly trimmed and away from windows. Keeping outdoor debris clear, you’ll be helping reduce the chances of a large fire spreading.

The one thing the Santa Ana winds will bring is the opportunity for you to check for insulation gaps in your windows and doors, so with the winds departure today, maybe this weekend is a good time to get insulate your windows.

Read more at: http://www.fema.gov/news/newsrelease.fema?id=41754

Disclaimer: For information and entertainment purposes only.

Simplifying Loan Paperwork for Buyers – How to Bargain Shop for Mortgages

Consumers likely are more comfortable comparison-shopping for microwaves than mortgages because the home-loan process can be cumbersome, with reams of paperwork, unfamiliar jargon, and of course, the rush to close and move to a new place.

The U.S. government is working to make the process easier. Since May, officials have been trying to simplify and combine two required forms that show would-be borrowers their final loan terms and costs before closing. The “Know Before You Owe” campaign, spurred by sweeping financial reforms in 2010, has produced two drafts of the merged documents that are still in testing phase.

Read entire article: http://www.signonsandiego.com/news/2011/nov/30/you-better-shop-around/

A piece of advice a very successful real estate investor once gave me: Don’t let the lender send you the documents to read and sign 2 hours before the notary arrives.  A lot of brokers send the papers just hours before the notary arrives and it gives the borrower little time to read the documents and ask questions.  People have reported that the loan officers told them the papers had to be signed today….etc…  Well unless there is a very good reason the papers have to be signed immediately request the loan officer send you the papers at least 5 days before the notary will arrive.  If you do not have the “savvy” to understand the documents you can have someone who is use to reading contracts: a friend, relative, lawyer, or a licensed real estate appraiser(www.socalappraisalserv.com) .  Find someone who has no interest in the transaction to look these document over.  You can also get a second opinion from a HUD-approved counselor at little or no charge.  In San Diego you can call the Housing opportunities Collaborative at (800) 462-0503, someone will direct you to the right agency.  2 things to remember: never sign anything unless you understand it and this is the biggest investment you will ever make; ask for help.

Disclaimer: for information and education purposes only.

SDSU Launches Sustainability Major

San Diego State University is going greener with the addition of a new major in sustainability studies designed to help students tackle some of the most complex social and environmental problems around the world.

The school announced the academic track this week, saying the move was prompted by student demand, faculty expertise and the need to prepare future leaders in a different way. The program includes a study abroad component based in the idea that creating a sustainable environment is a global challenge.

Read more at: http://www.signonsandiego.com/news/2011/nov/22/sdsu-launches-sustainability-major/

Disclaimer: For information and entertainment purposes only.