Don't let the bank foreclose your house!!

At Ashlon is our goal to find you the best available property!
call me or email me to receive a list of the latest inventory of
bank owned properties, short sales and active Home listings.

If you are behind on your payments and will like to avoid foreclosure
please call me for a free consultation on a Short Sale listing at NO cost
to you. We will negotiate with your bank both of your loans.

www.fabygonzalez.com

fabygg1@gmail.com

(619)279-7167

trapani cove, Chula Vista, CA | Powered by Postlets

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521 CASSOU, San Marcos, CA | Powered by Postlets

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WEST E ST., San Diego, CA | Powered by Postlets

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Let me help you find a home!!!

At Ashlon is our goal to find you the best available property!
call me or email me to receive a list of the latest inventory of
bank owned properties, short sales and active Home listings.

If you are behind on your payments and will like to avoid foreclosure
please call me for a free consultation on a Short Sale listing at NO cost
to you. We will negotiate with your bank both of your loans.

www.fabygonzalez.com

FABYGG@COX.NET

(619)279-7167

FABY GONZALEZ AND ASSOCIATES!!

Top 5 Most Taxed States

Top 5 Most Taxed States
1. Vermont
Population: 620,000
Average tax burden per person: $3,861

2. Hawaii
Population: 1.29 million
Average tax burden per person: $3,856

3. Connecticut
Population: 3.5 million
Average tax burden per person: $3,596

4. Minnesota
Population: 5.2 million
Average tax burden per person: $3,203

5. New Jersey
Population: 8.7 million
Average tax burden per person: $3,024

HOW TO SAVE 50 DOLLARS PER DAY!!

How to Save Money When Money Is Tight
by Jonathan Burton
Tuesday, March 31, 2009




You can have that latte -- and your cake -- if you make smart spending choices

Like many people nowadays, Christopher Pollard is facing some tough financial challenges. For one, his fiancée recently got laid off. Still, they're both excited about their coming European vacation.

More from Marketwatch.com:

• Can You Weather a Financial Storm?

• Dividend Cuts the Unkindest of All

• Listen to Your Kids, Get Investing Ideas

How are they managing that luxury even in these difficult times? Pollard is choosy. A partner in a Minneapolis design studio, he's creative when it comes to saving money. He takes advantage of discounts and deals, thinks about what he's buying and why, itemizes expenses and talks with his fiancée and teenage daughter about their spending and his own.

"Once you get hold of where your money is going, then you can have a better handle on where you want it to go," Pollard said. "It's a mindset. You try to do your best to spend wisely and waste as little as you can."

Becoming a better saver is more than just cutting out the morning latte. It's changing your entire relationship to money. Some 12.5 million Americans were unemployed at the end of February, including 2.9 million who've been jobless for six months or more. From the market's October 2007 peak through January, U.S. shareholders lost almost 85% of the capital gains they'd amassed in stock mutual-funds since 1990. And while stocks rallied in March, we're not out of the woods yet.

More from Yahoo! Finance:

• The 15-Minute Tip: Fine-Print Pitfalls

• The Economy: Why It Feels Even Worse

• Save Hundreds on Your Favorite Splurges

--------------------------------------------------------------------------------
Visit the Banking & Budgeting Center

It's time to get a grip on your money. Here are five suggestions on where to start:

1. Prioritize

Understandably, it's hard for many families to make ends meet, let alone save. But you might be surprised at what you can accomplish.

Take control of your household budget by logging every dollar you spend in a 30-day period. Once you face a month's worth of grocery receipts, lunch tabs, parking charges, highway tolls, cell-phone and utility bills, mortgage payments, insurance statements and impulsive splurges, you can begin to prioritize expenses and find ways to save.

Think big-ticket. Here's how to save hundreds of dollars a month: Set a higher deductible for home, automobile and health insurance. Refinance your mortgage. If you get a pay raise, use the windfall to trim debt and boost your bank account. After you've established priorities, that $4 latte might be worth it after all.

"At virtually every income level, every lifestyle, there's room for adjustment," said Brian Kompelien, a financial adviser in Minneapolis. "It may not be a quality of life adjustment, but more of a habit change. It's not easy to change habits, but focusing on what you're doing with your money can reveal opportunities to save."

2. Build an emergency fund

Put savings into a special account to be tapped only in a crisis, such as losing a job. You'll want quick access in a pinch, so stick to a high-yield savings account, not a locked-in CD or the stock market. A list of banks offering the nation's highest savings yields is at personal-finance Web site Bankrate.com.

This safety net brings peace of mind and can soothe other parts of your life. How much do you stuff into this cushion? Six months of living expenses is a rule of thumb -- longer if you're self-employed or the family's sole breadwinner, said Greg McBride, a Bankrate.com senior financial analyst.

3. Be creative

"When times get challenging, people get more creative," said Nathan Dungan, founder of Share Save Spend, an educational program that encourages healthy financial habits. "Be more attentive not only to how much you're saving, but where."

The Internet is a great resource. Take advantage of online retailers' discounts posted on shopping Web sites such as CouponCabin.com, DailyDeals.com, RetailMeNot.com and CoolSavings.com. Visit price-comparison sites including Bizrate.com, Shopzilla.com, PriceGrabber.com, BillShrink.com and Google.com's "Product Search" function to find bargains.

You can also save and give at the same time. BiddingforGood.com runs online charity auctions for schools and nonprofit groups nationwide. Donated items often sell well below retail.

4. Pay yourself first

You can't spend what you don't see. Send automatic deductions from your paycheck directly to a savings account -- one not linked to a checking account -- and cover monthly bills with electronic transfers. Even $50 a month of forced savings pads that emergency fund.

Moreover, do all you can to reduce household debt. Eliminating a 14% credit-card interest payment is like getting a 14% risk-free investment return, and lifts a heavy emotional weight as well.

5. Walk the talk

Live by example. Recession sales are everywhere, but you don't have to buy. "You're up against a consumer culture telling you to spend money you don't have," Dungan noted. "Make sure your actions support what you're saying."

Communication is key, especially in these trying, tense times. Talk with your spouse and family about money values and short-term and long-term savings goals, then decide how to fulfill them. These discussions don't have to be lengthy -- just regular. Review expenses and look for new savings avenues every month. Be open and honest, and you'll build a strong base for more than just family finances.

LOAN MODIFICATIONS, RESPA VIOLATIONS

DID YOU KNOW THAT THERE MIGHT BE SOME RESPA VIOLATIONS IN YOUR MORTGAGE LOAN? MOST OF THE OPTION ARM LOANS HAVE THEM. IF YOU DO AND YOUR BANK HAS REFUSED TO MODIFY YOUR LOAN, OUR OFFICE CAN HELP YOU.
CALL ME TODAY (619)279-7167
WWW.FABYGONZALEZ.COM

FORECLOSURE HELP!!! OBAMA'S PLAN

Well Finally the great news are here. there is a plan in place to help people save their homes from foreclosures. its simple... forcing the banks to modify your loan.
if you are also doing bankruptcy you will be able to add your house to it and the Judge can approve your loan modification without having to get the bank's approval.
This are great news and people have to act fast to get all the benefits.
call me if you need help with the Loan Modification or with your bankruptcy.
Our attorneys are closing the most files in all San Diego.

Faby (619)279-7167

Jeremy Lusk dies

CHULA VISTA SHORT SALES

call me if you need to do a short sale in your property. Our negotiators are experts and will do the best to get it approved.
call me at (619)279-7167 for a free consultation.

SAN DIEGO MEDIAN HOUSE PRICE

San Diego, California
Including Bonita, Chula Vista, Coronado, Del Mar, Dulzura, El Cajon, Encinitas, Escondido, Imperial Beach, Jamul, La Jolla, La Mesa, Lemon Grove, Leucadia, National City, Ocean Beach, Olivenhain, Pacific Beach, Poway, Rancho Bernardo, San Ysidro, Santee, Spring Valley


Trend 10/21/2008 1 month 3 month 6 month 12 month
Median Price $351,000 -2.5% -7.6% -11.1% -22.0%
Inventory 11,868 -1.8% -7.6% -11.5% -19.4%

Historical Data
Date Inventory 25th Percentile 50th Percentile
(Median) 75th Percentile
10/21/2008 11,868 $229,000 $351,000 $634,900
10/14/2008 11,886 $229,600 $350,000 $639,000
10/07/2008 11,909 $229,900 $353,000 $630,000
10/01/2008 11,842 $230,000 $355,000 $629,000
09/28/2008 11,983 $231,000 $359,000 $640,000
09/21/2008 12,084 $235,000 $359,900 $649,000
09/14/2008 12,320 $235,000 $360,000 $320,000
09/07/2008 12,351 $239,000 $361,845 $649,000
09/01/2008 12,390 $239,900 $365,000 $649,000
08/29/2008 12,677 $240,000 $369,000 $649,000
08/21/2008 12,691 $245,000 $370,000 $649,000
08/14/2008 12,765 $246,500 $374,007 $649,500
08/07/2008 12,778 $249,800 $375,000 $650,000
08/01/2008 12,798 $249,900 $375,000 $650,000
07/28/2008 12,967 $250,000 $379,000 $658,000
07/21/2008 12,842 $250,000 $379,900 $650,000
07/14/2008 12,829 $250,000 $380,000 $650,000
07/07/2008 12,766 $254,900 $380,000 $650,000
07/01/2008 9,299 $264,500 $389,900 $670,000
06/28/2008 9,660 $264,900 $389,900 $669,000
06/21/2008 13,406 $269,000 $389,888 $640,000
06/14/2008 13,403 $269,000 $389,900 $640,000
06/07/2008 13,440 $269,900 $389,900 $648,000
06/01/2008 13,443 $269,888 $389,900 $648,000
05/28/2008 13,475 $269,000 $389,900 $648,000
05/21/2008 13,495 $269,900 $389,900 $640,000
05/14/2008 13,465 $270,000 $390,000 $639,000
05/07/2008 13,498 $274,900 $390,000 $629,900
05/01/2008 13,425 $275,000 $392,820 $625,000
04/28/2008 13,561 $275,000 $394,426 $625,000
04/21/2008 13,406 $279,000 $395,000 $625,000
04/14/2008 13,780 $279,990 $396,000 $625,000
04/07/2008 13,670 $284,990 $399,000 $625,000
04/01/2008 13,502 $288,000 $399,000 $625,000
03/28/2008 13,713 $289,000 $399,000 $626,900
03/21/2008 13,546 $289,900 $399,000 $625,000
03/14/2008 13,483 $295,000 $399,900 $620,000
03/07/2008 13,394 $298,900 $399,900 $617,000
03/01/2008 13,392 $299,000 $399,900 $610,000
02/28/2008 13,470 $298,900 $399,900 $600,000
02/21/2008 13,489 $299,000 $400,000 $609,000
02/14/2008 13,475 $299,000 $400,000 $610,000
02/07/2008 13,356 $299,900 $405,000 $600,000
02/01/2008 13,123 $300,000 $415,000 $605,000
01/28/2008 13,034 $303,050 $417,000 $615,000
01/21/2008 12,715 $309,750 $420,000 $619,888
01/14/2008 13,128 $309,900 $420,000 $601,400
01/07/2008 12,875 $314,900 $425,000 $615,000
01/01/2008 12,666 $315,900 $425,000 $620,000
12/28/2007 13,441 $319,000 $425,000 $625,000
12/21/2007 13,674 $320,000 $429,000 $629,000
12/14/2007 13,854 $324,900 $429,995 $629,900
12/07/2007 14,085 $329,000 $435,000 $639,000
12/01/2007 14,268 $329,000 $439,000 $640,000
11/28/2007 14,499 $329,000 $440,000 $645,000
11/21/2007 14,618 $330,000 $445,000 $649,000
11/14/2007 14,746 $330,000 $447,500 $649,000
11/07/2007 14,620 $335,000 $449,000 $649,900
11/01/2007 14,459 $339,000 $449,900 $650,000
10/28/2007 14,671 $340,000 $450,000 $650,000
10/21/2007 14,720 $340,000 $450,000 $650,000
10/14/2007 15,158 $345,000 $450,000 $655,000
10/07/2007 15,266 $348,500 $459,000 $659,000
10/01/2007 15,193 $349,000 $459,900 $659,950
09/28/2007 15,396 $349,900 $460,000 $665,000
09/21/2007 15,195 $350,000 $465,000 $670,000
09/14/2007 15,213 $350,000 $465,000 $670,000
09/07/2007 15,133 $350,000 $469,000 $675,000
09/01/2007 15,164 $354,900 $469,900 $675,000
08/28/2007 15,178 $359,000 $474,900 $679,000
08/21/2007 15,089 $359,900 $475,000 $679,900
08/14/2007 14,944 $360,000 $475,000 $685,000
08/07/2007 14,825 $361,500 $475,000 $689,000
08/01/2007 14,599 $364,999 $479,000 $690,000
07/28/2007 14,735 $365,000 $479,000 $689,000
07/21/2007 15,036 $365,000 $479,000 $685,000
07/14/2007 14,908 $369,000 $480,000 $690,000
07/07/2007 14,693 $369,000 $480,000 $692,900
07/01/2007 14,509 $369,001 $485,000 $695,000
06/28/2007 14,568 $369,900 $485,000 $695,000
06/21/2007 14,191 $372,990 $489,000 $699,000
06/14/2007 13,858 $373,500 $489,000 $699,000
06/07/2007 13,700 $370,000 $489,000 $699,000
06/01/2007 13,606 $373,000 $489,000 $699,000
05/28/2007 13,725 $372,900 $489,000 $699,000
05/21/2007 13,619 $375,000 $490,000 $699,000
05/14/2007 13,338 $375,000 $490,000 $699,000
05/07/2007 13,135 $375,000 $495,000 $699,000
05/01/2007 12,856 $378,500 $495,000 $699,000
04/28/2007 12,851 $377,000 $495,000 $699,000
04/21/2007 12,449 $379,000 $495,000 $699,500
04/14/2007 12,346 $375,000 $495,000 $699,000
04/07/2007 12,203 $375,000 $495,000 $699,000
04/01/2007 12,051 $375,000 $495,000 $699,000
03/28/2007 11,912 $375,000 $495,000 $699,000
03/21/2007

10 CAREERS THAT TOP $30 PER HOUR!!!

10 Careers that Top $30 per Hour
by Clare Kaufman, FindtheRightSchool.com


In just 60 minutes, you could earn enough to pay for a tank of gas, the cable bill, gym membership, or dinner out. Thirty dollars still covers some of life's essential costs. Earn that much in just one hour on the job, and you have enough to build a comfortable life.
The latest U.S. Census Bureau figures put the median household income in the U.S. at $50,233. A $30-per-hour job brings in $62,400 before taxes, or 20% more than the national median. For many people, this extra margin is just one promotion or one credential away. To boost your economic security, consider these 10 careers with salary data as reported by the U.S. Bureau of Labor Statistics:


Database Administrator
Mean Hourly Wage: $33.78
Salary: $70,260

Database administrators perform a vital role in our information economy, managing the database systems that help companies store, process, and access data effectively. Job growth is stunning in this high-demand field as well -- the profession is expected to grow 37 percent through 2016. Continuing education is a must to keep up with evolving technology, but entry requirements are modest. You can launch this $30-plus-an-hour career with an associate's degree in database administration or information technology.

Registered Nurse
Mean Hourly Wage: $30.04
Salary: $62,480

Historic demand for registered nurses is inspiring many people to reinvent themselves as health care practitioners. Nursing is projected to generate more new jobs than any other profession -- an estimated 587,000 positions through 2016, which represents a 23% increase in a decade. To take advantage of this boom, head to nursing school for your bachelor's degree in nursing (BSN). Accelerated programs are available for career changers who already have a bachelor degree in another field.

Technical Writer
Median Hourly Wage: $30.18
Salary: $62,780

Technical writers interpret engineering and scientific information for a lay audience, producing product documentation, user manuals, project proposals, and scientific reports. Most writers come to the field with a college bachelor's degree in a communications or liberal arts field. Some colleges offer specialized certificate programs in technical communication, which incorporate IT literacy training.

Fashion Designer
Median Hourly Wage: $34.22
Salary: $71,170

Fashion design has the reputation as an all-or-nothing labor of love -- you begin as a starving artist and ultimately attain celebrity stature designing haute couture. In fact, the majority of fashion designers -- 3 in 4 designers -- work secure, salaried jobs for apparel manufacturers. What these artists give up in suffering and glamour they make up for in a solid and stable paycheck. A job as a salaried fashion designer starts with an associate's or bachelor's degree in fashion design.

Accountant
Median Hourly Wage: $30.11
Salary: $62,640

Accountants should have no trouble finding work as businesses throughout the economy sort through the financial rubble of the credit crisis. Mounting federal regulation will also contribute to demand for trained accountants. Accountants working for accounting and bookkeeping services earn upwards of $30 per hour. These employers hire trained professionals with a bachelor's degree in accounting or finance.

Environmental Scientist
Median Hourly Wage: $30.71
Salary: $63,870

Environmental scientists will be the heroes of the coming era, developing much-needed strategies to redress environmental damage to soil, water, and air. The field is expected to grow 25% in response to new federal regulations and funding, as well as private investment. A bachelor's degree in earth sciences will get you started in this fascinating and important field. Many scientists go on to a master's degree to secure the best opportunities.

K-12 Curriculum Designer
Median Hourly Wage: $30.87
Salary: $64,220

Curriculum designers are at the forefront of educational research, developing new instructional materials and strategies to improve the quality of education in our nation's schools. The job typically calls for a graduate-level degree in the field, such as a master's degree in education (M.Ed.).

Dental Hygienist
Mean Hourly Wage: $31.21
Salary: $64,910

To make about the same amount of money with a two-year associate's degree, enroll in a dental hygiene program. Dental hygienists work alongside dentists to promote oral health and hygiene. Hygienists enjoy distinction as one of the nation's fastest growing occupations, with 30% growth expected through 2016.

Detectives and Criminal Investigators
Median Hourly Wage: $30.05
Salary: $62,500

Solving crimes is all in a day's work for these criminal justice professionals. Criminal investigators can build their skill set by completing an associate's degree in criminal justice, where they take courses in crime scene investigation, criminal investigation procedures, and more. The Bureau of Labor Statistics rates job opportunities as "excellent."

Television Producer
Median Hourly Wage: $31.66
Salary: $65,850

Producers coordinate the television features we enjoy, from sitcoms to dramas to the nightly news. To build the necessary skill set, producers enter the field with an associate's or bachelor's degree in mass communications or broadcast media.

A tight economy hasn't stopped employers in these ten fields from hiring qualified grads. With the right degree, you can upgrade your career and find job security in the form of a $30-an-hour paycheck.

100% Financed VA loans Chula vista!!!

Did you know that VA loans are the only 100% financing available right now?
so If you are in the military and want to buy, you can actually buy with zero out of pocket expenses!!!
If you live in military housing you can also buy instead and earn equity in the next few years.
call me for a free consultation!!

Faby
(619)279-7167

OBAMA'S INAGURATION TODAY!!

what did you think of the speeches?

Stage your Home and sell faster!!!

Should you modify your mortgage loan?

I have received many calls from previous buyers asking me if they should try to negotiate with their bank to modify their mortgage loan. My advise is that they do it with the help of someone who has done it before. If you give your bank the wrong financial numbers or cannot prove your financial hardship correctly you might be declined the opportunity.
I have only done a couple of negotiations myself and both times I was able to get a reduction on their current payment.
Do try to save your home by asking for a modification before you decide to do a short sale.