March 11, 2010

El Comitan Casa Terra Cotta

Posted in Newsletter at 2:33 pm by osmx

http://www.youtube.com/watch#!v=PaSmPIbRjl0

 

Great property send me an email if interested in this beach community casa.

Gordon

omnilapaz@gmail.com

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March 8, 2010

Casa Serena For Sale

Posted in Newsletter at 1:04 pm by osmx

See video on link below.  Email me to see the home. omnilapaz@gmail.com

Great home in a beach community.  3 Bedrooms, 3 bath

Gordon

 

http://www.youtube.com/watch?v=M8d9ooWZbU0&feature=youtube_gdata

March 2, 2010

SERVICE FOR LIFE NEWSLETTER-LA PAZ UPDATE 3/2010

Posted in Newsletter at 11:15 am by osmx

Gordon G. Herpst’s…
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue…
  • Learn Almost Anything Online For FREE…
  • Protect Yourself: How Credit Card Changes Affect YOU…
  • Fun Facts and Laughs: Real Names of Celebrities, Things Actually Auctioned on eBay, and More…
  • Trivia Challenge:
  • Real Estate Corner: What changes have been made to laws on reverse mortgages?
If you’re not already a subscriber to my free e-newsletter email me to sign-up
my photo Gordon G. Herpst, GRI, TRC
Omni Services S.A. de C.V.
Phone: 52 (612) 123-4888
Email: omnilapaz@gmail.com
http://osmx.com
Dear Subscriber

Did you know you there are hundreds of places online to learn almost anything for FREE? I’ve compiled a list of 7 notable sites to check out in my latest Service For Life! ® Free consumer newsletter.

You’ll also learn how the new credit card changes will affect you, plus some fun facts, a trivia challenge, and lots more.

Enjoy your issue, and please feel free to call me whenever a friend, family member or neighbor needs a real estate professional to help with buying or selling property in La Paz, Mexico.

Lots of events in the month of February, art show of leaded glass, pencil drawings and paintings.  Carnaval closed the 21st with the childrens parade of floats, a couple of local concerts including the guitar and violin duo of Miguel De Hoyos and Alex DePue.  Good music.

BY THE WAY, THE GOVERNMENT JUST UPDATED THEIR TRAVEL ADVISIORIES FOR MEXICO. DON’T BELIEVE ALL THE NEGATIVE MEDIA.  JUST USE YOUR HEAD AND YOUR EYES THE SAME AS YOU WOULD WHEN TRAVELING ANYWHERE. IT IS SAFER HERE THAN LOS ANGELES.

To health, success and laughter in your life!
Gordon G. Herpst

Gordon G. Herpst, REALTOR®
Omni Services S.A. de C.V.

Today’s Brain Teaser . . .

At what point on the thermometer do the Fahrenheit and Celsius scales converge? (answer below)

Learn Almost Anything Online For FREE

You don’t have to payfor a college degree program to learn over the internet. Whether you want to fix a leaky faucet, speak Chinese, or listen to a lecture on world history, there’s plenty of educational material available for free. Here are some good places to start (and some you might not have thought of):

  • YouTube. It’s not just for funny videos any more. You can find tutorials on sports and home improvement as well as how to do the moonwalk! YouTube also has an education channel where you can view content from universities and other institutions. Go to www.youtube.com/edu and click on a category from Business to Social Science.
  • The History Channel. On their site at www.history.com you’ll find videos on such subjects as the Civil War, Great Inventions and Space Exploration. Check out the videos under “Topics” and “Great Speeches.”
  • DiscoveryEducation.com. Go here for videos on math, science, social studies and more that you can use to help kids with their homework.
  • University of California-Berkeley. Go to webcast.berkeley.edu to download hundreds of video or audio courses and on-campus lectures.
  • The BBC. Visit www.bbc.co.uk/languages to study everything from Italian to Chinese. Taking a trip? Learn essential phrases in 36 languages.
  • AcademicEarth.org. Watch lectures on subjects from Computer Science to Mathematics and Law given by professors from universities such as Harvard, MIT, and UCLA.
  • OpenCulture.com. This site is a guide to thousands of hours of the latest educational content on the web. Readers will be especially interested in the section on free e-books you can read on your computer.

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Feeling Like Retireing?

Maybe you just got tired of shoveling snow and you need a little warm sunshine.  Or maybe you just need a positive change in your environment. Either way, I can help.  I can help you find the perfect home or condo in La Paz.  It’s easier than you think. Just send me an email by clicking here, or call me at: 52 (612) 123-4888. My promise: there’s never any pressure or hassle – I’m here to help!

BEFORE YOU MAKE YOUR MOVE TO MEXICO
BE SURE YOU GET THE E-BOOK MARGARITA MIND
SF-MM-eBook2-4.jpg        click the link below to order: Http://omnilapaz.safogel.hop.clickbank.net
Protect Yourself: How Credit Card Changes Affect YOU . . .

The new rules for credit card companies that mean more consumer protection went into effect on Feb. 22, 2010. Here’s what they mean for you:

Your credit card company has to tell you:

  • When they’re increasing your rate or other fees, giving you 45 days notice. Also, they can’t raise the interest rate on an existing balance unless you’re more than 60 days late with a payment. And they can’t increase your rate for the first 12 months after you open an account (with some exceptions).
  • How long it will take to pay off your balance. It will say on your bill how long it will take if you only make minimum payments, and how much you’d need to pay each month to pay off your balance in three years.

Monitor your cards closely and follow these tips to protect yourself:

  • Pay on time. Companies are required to mail or deliver your bill at least 21 days (instead of 14) before your payment is due. Plan accordingly.
  • Stay below your credit limit. You will, however, be given the choice to “opt-in” to over-the-limit transactions. If you opt-in and go over your limit, your credit card company can impose only one fee per billing cycle.
  • Try to make more than the minimum payment. You’ll pay less interest in the long run.
  • Shop for the best deal. Don’t forget to check out local banks or credit unions when you’re looking for a card with the best rate.
  • Read your mail. They may give you 45 days notice on a rate change, but you won’t know if you don’t open the envelope if it looks like junk mail.

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Did You Know?
Angeles International Provides Private
affordable health care in Mexico.

For medical and surgical care out of the U.S. or Canada, Angleles Health International is the innovative medical travel division of the largest private hospital network in Mexico. They have twenty hospitals,11,000 specialists and have treated over 4000 medical travelers from around the world.  They are investing $700,000,000 in the next three years to build an additional 15 hospitals in Mexico.  They have treated patients in the areas of bariatric surgery, orthopedics, cardiology and organ transplants, plus regular check ups, vision and dental care.

They are located in 5 cities.  Different hospitals specialize in different kinds of procedures and when you advise them of what procedure you need they will advise you  about which hospital and destination is best for you.
For no obligation quotes call toll free from the
United States or Canada
TOLL FREE       866-668-9263  866-668-9263     866-668-9263  866-668-9263
Fun Facts and Laughs . . .

Do You Know These Real Names of Celebrities? . . .

  • John Stewart– Jonathan Stuart Leibowitz
  • Ralph Lauren– Ralph Lifshitz
  • Bob Dylan – Robert Zimmerman
  • Elton John – Reginald Dwight
  • Hannah Montana– Destiny Hope Miley Cyrus
  • Ringo Starr – Richard Starkey

Things Actually Auctioned on eBay . . .

  • A piece of French toast Justin Timberlake took a bite of.
  • Thirty days of ad space on a man’s forehead.
  • A cornflake in the shape of the state of Illinois.
  • A man’s liver (until eBay canceled the auction).
  • A month of “friendship” (emails, phone calls every week).
  • A Gulfstream private jet.

Have A Laugh . . .

A man’s son sat down in the driver’s seat in anticipation of his driving lesson. “The first thing you should do is make adjustments so you feel ready to drive,” the father said. “What’s the first thing you think you should do?” he asked.

“Change the radio station,” his son said.


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Trivia Challenge for the Month…
 Last month’s question.
Which of the following is a new medal event at the Vancouver 2010 Winter Olympics?

a) Women’s hockey  b) Ski Cross (men’s and women’s)
c) Biathlon mixed relay  d) Women’s ski jumping

The answer is b) Ski Cross (men’s and women’s).

So, let’s move on to this month’s trivia question:

Who was the top touring act (live concerts) of the decade 2000-2009?
a. Bon Jovi
b. Madonna
c. The Rolling Stones
d. U2

Brain Teaser Answer:

Fahrenheit and Celsius converge at minus 40 degrees.

Real Estate Corner:
Not Really a good way to go.  So use caution and check the numbers.  You could run out of cash flow before you depart this earth!
Q.  What changes have been made to laws on reverse mortgages?
A. First, a reverse mortgage is a loan that lets homeowners (age 62 or older) convert the equity in their homes into cash. The equity can be paid to the homeowners in a lump sum, a stream of payments, or as a supplement to Social Security or other retirement funds. No payment is required until the borrower no longer uses the home as their principal residence.

Here are the key changes to the laws involving reverse mortgages according to the Housing and Economic Recovery Act of 2008:

  • The loan limit has been increased from $362,790 (depending on home values in the region) to a nationwide limit of $417,000, and that can increase to as much as $652,500 in high-cost areas.
  • Fees are now capped at 2 percent of the first $200,000 borrowed and 1 percent on the balance, with a maximum of $6,000. To protect seniors from aggressive marketing tactics, the law prevents lenders from requiring borrowers to purchase insurance, annuities or other products as a condition for getting the mortgage.

While these changes have made the mortgages more attractive, they aren’t for everyone. You should do your homework and talk with a loan counselor.

We have financing available here in Mexico for foreign buyers.  Fairly standard  adjustable rate and fixed rate to 30 years and reasonable rates for forign investments.

We have several great properties available at good prices.  One on the Malecon, a couple on the beach in EL Comitan and a great house in El Centinario.  Come on down and take a look.  email me at omnilapaz@gmail.com

If you have any questions, or need capable and trustworthy representation, please email me at omnilapaz@gmail.com.
THANK YOU…For reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…


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Disclaimer:  The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical and other professional services advice.  Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.

Click to view this email in a browser
Copyright (c) 2010 by Forte Communications, Inc.

January 19, 2010

SERVICE FOR LIFE NEWSLETTER-LA PAZ UPDATE FEB 2010

Posted in Newsletter at 10:18 am by osmx

Gordon G. Herpst’s…

Service For Life! ®

Insider Tips for Healthy, Wealthy and Happy Living

Inside This Issue…

How To Prevent Portion Distortion
Free Trial? Maybe Not…
Fun Facts and Laughs: Uses of WD-40, Most Watched Shows of the Last
Decade, and More…
Trivia Challenge:
Real Estate Corner: How Can You Protect Your Home From Water Damage?

If you’re not already a subscriber to my free e-newsletter email me to
sign-up [mailto:omnilapaz@gmail.com]

Gordon G. Herpst, TRC, GRI

Omni Services S.A. de C.V.

Phone: 52 (612) 123-4888

Email: omnilapaz@gmail.com

Dear Subscriber,

Are restaurant portions causing you to gain extra pounds? The answer
is probably “yes” – after all, restaurant portions have gained 40
percent in size over the last 30 years.

You can learn how to prevent portion distortion and help control your
weight (plus lots more!) in my latest Service For Life! ® Free
consumer newsletter.

Enjoy your issue, and please feel free to contact me whenever a
friend, family member or neighbor needs a real estate professional to
help with buying or selling in La Paz, B.C.S., Mexico.

To health, success and laughter in your life!

Gordon G. Herpst

Gordon G. Herpst, REALTOR®

Omni Services S.A. de C.V.

Today’s Brain Teaser . . .

What do Miga, Quatchi and Sumi have in common? (answer below)

How To Prevent Portion Distortion . . .

Your mother’s old adage “finish your plate” isn’t the best advice
anymore. Whether you eat out (restaurant portions are up 40 percent
over the last 30 years) or eat in at home, portion sizes have grown
out of proportion, causing many of us to consume extra calories and
add unhealthy pounds. Here’s how to prevent portion distortion and
help control your weight.

Know your terms. A portion is the amount of food you choose to eat
for a meal. Big or small – the choice is up to you. A serving is a
measured amount of food or drink, such as one slice of bread or 8
ounces of milk.

Read the Nutrition Facts Label. The Food and Drug Administration puts
it there to tell you how many calories and how much fat, carbohydrate,
sodium and other nutrients are in one serving of the product. You may
think the 3-ounce bag of chips is one portion, but the label says it
contains 3 servings.

Gradually reduce your portions. Try relating one serving size to
everyday objects such as these offered by the National Heart Lung and
Blood Institute:

1 cup of cereal = a fist

2 tsp of peanut butter = a ping-pong ball

1/2 cup of ice cream = 1/2 baseball

1 medium fruit = 1 baseball

3 ounces of meat, fish or poultry = 1 deck of cards

Use the “New American Plate” guide. The American Institute for Cancer
Research says to look at your plate and aim for meals made of 2/3 (or
more) of vegetables, fruits, whole grains or beans, and 1/3 (or less)
animal protein.

Repackage products. Buying large-size bags or boxes may save you
money, but divide the items into single serving packages when you get
home.

Don’t “supersize” at fast-food restaurants. It may sound like a good
value but you know you’re eating more than you should. If you go for
the larger-sized meal at any restaurant, be sure to share it with a
friend or take half of it home for another meal.

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Thinking Of Retireing Soon?

Now is a great time to visit La Paz and to

choose your retirement dream home or condo. We have some great
properties in good locations and reasonably priced.

Contact me with your dream home info and I will locate your dream home
for you. omnilapaz@gmail.com [mailto:omnilapaz@gmail.com]

Free Trial? Maybe Not! . . .

The next time you sign up for a free trial offer, be sure to read the
fine print. While these offers can be a great way to try out a
product, you might be agreeing to buy additional products and services
if you don’t cancel within a specified time.

It’s called the “negative option feature,” and it requires the
customer to cancel or opt-out of a recurring charge for future
products. While it’s not illegal, some questionable online merchants
pre-check the consent box or bury the details under terms and
conditions, making returns difficult.

If this has happened to you, you’re not alone. A Visa survey showed 29
percent of American consumers have been victims of this option. The
Better Business Bureau says it has received thousands of complaints
from people who learned the hard way by signing up for online trial
offers for:

acai berry supplements
detox products
teeth whiteners
free government grants
debt consolidation services

Best advice? Before you buy, read the offer carefully, pay attention
to pre-checked boxes and check out the business at http://www.bbb.org

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LA PAZ CARNAVAL 2010

February 11 to 16

Come on down for a great event!

Parades, entertainment, food, amusement rides

Don’t miss it

Fun Facts and Laughs . . .

Are you a member of the WD-40 fan club? Try these amazing uses:

Untangle jewelry chains

Lubricate window tracks

Loosen stubborn zippers

Clean scuff marks off floors

Keep pigeons off balconies (they hate the smell)

Protect silver from tarnishing

Remove tar & grime from cars

Most Watched TV Episodes Of The 2000s . . .

2004: The “Friends” finale, 52.5 million viewers

2000: Richard Hatch wins “Survivor,” 51.7 million

2003: “Joe Millionaire” finale, 40 million

2000: Dr. Carter fights for his life on “ER,” 39.4 million

2007: “American Idol” kicks off sixth season, 38.1 million

Have A Laugh . . .

A little girl walked up to the library counter to check out a book
entitled Comprehensive Guide for Mothers. “Are you getting this for
your mother?” asked the librarian. “No,” said the girl. “So why are
you checking it out?” asked the librarian. “Because I started
collecting moths last week.”

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JUST DO IT!

It’s a Great time to visit La Paz.

The weather is good, whale watching is underway, Carnaval this month
and we have some great properties available from $80,000 and up. So
come on down and select your dream retirement or vacation home while
you enjoy the area.

Trivia Challenge for the Month…

Last month’s Trivia Question?

Who is the highest paid athlete in the world (including salaries,
bonuses, prize money and endorsements)?

a) Michael Jordan b) Kobe Bryant c) Tiger Woods d) David Beckham

The answer is c) Tiger Woods. So, let’s move on to this month’s trivia
question:

Which of the following is a new medal event

at the Vancouver 2010 Winter Olympics?

Women’s hockey
Ski Cross (men’s & women’s)
Biathlon mixed relay
Women’s ski jumping

Brain Teaser Answer:

They are the official mascots of the Vancouver 2010 Winter Olympics.

Real Estate Corner

Q. How can I protect my home from water damage?

A. Water damage is one of the most common problems affecting
homeowners today. In fact, the Insurance Information Institute reports
that in 2007 it accounted for 22 percent of all U.S. homeowners’
insurance claims, with the average claim being $5,531. That’s why you
need to have the right amount and type of insurance coverage.

The Institute says standard homeowners insurance covers burst pipes,
wind-driven rain, and damage resulting from ice dams on your roof.
Some policies cover sewer and drain backups, but many don’t.

In general, water coming from the top down (such as rain) is covered
by a standard homeowners policy. Water coming from the bottom up (such
as from a river) is covered by separate flood insurance. You can buy
this from the National Flood Insurance Program and from some private
insurers.

The best way to prevent water damage is proper maintenance. For some
excellent tips on such subjects as avoiding frozen pipes, replacing
and maintaining bathroom fixtures and installing an emergency pressure
release valve in your plumbing system, see the water damage section at
the web site for the Institute for Business & Home Safety,
http://www.disastersafety.org [http://www.disastersafety.org/] .

If you have any questions, or need real estate representation in La
Paz, please email me at omnilapaz@gmail.com.

THANK YOU…For reading my Service For Life!® personal newsletter. I
wanted to produce a newsletter that has great content and is fun and
valuable to you. Help your friends get more out of life by forwarding
this email to them…

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list as {EMAIL_ADDRESS}, or a friend forwarded it to you.

Disclaimer: The information contained in this email is intended for
informational purposes. It should not substitute as legal,
accounting, investment, medical and other professional services
advice. Always seek a competent professional for answers to your
specific questions. This email is not intended to solicit real estate
properties currently for sale.

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Alvaro Obregon 460-C
La Paz, Baja California Sur 23000

January 8, 2010

SERVICE FOR LIFE NEWSLETTER-LA PAZ UPDATE JAN 2010

Posted in Newsletter at 1:29 pm by osmx

Gordon G. Herpst’s…
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue…
Take These Steps If Your Car Is Recalled
New Year’s Resolution: Fitness Trends In 2010
Can Medication Make You Sick?…
Trivia Challenge:
Real Estate Corner: The Latest On The First-Time Homebuyer Tax Credit…

If you’re not already a subscriber to my free e-newsletter email me to sign-up
Gordon G. Herpst, TRC, GRI
Omni Services S.A. de C.V.
Phone: 52 (612) 123-4888
Email: omnilapaz@gmail.com

Dear Subscriber,

This time of year you’re probably resolving to get more exercise. To help you accomplish your goal, you can read about the fitness trends for 2010 in today’s Service For Life! ® Free consumer newsletter. You’ll also learn what to do if your car is recalled (millions have been) and which medications can make you sick. But first…

Here’s what’s happening today in La Paz. The real estate market is still holding pretty firm price wise. There are a few bargains here and there depending on the owners situation. Paraiso del Mar construction is at a stand still at the moment. But Costa Baja is in full swing working on their two devlopments and golf course. The golf course is to open late summer this year. Please feel free to contact me whenever a friend, family member or neighbor needs a real estate professional to help with buying or selling a property in the La Paz area.

To health, success and laughter in your life!

Regards

Gordon G. Herpst

Gordon G. Herpst, REALTOR®
Omni Services S.A. de C.V.

What To Do If Your Car Is Recalled . . .
Have you ever owned a car that’s been recalled? Millions of people have, including (most recently) 3.8 million owners of certain Toyota and Lexus models.

Here’s what you should know: Manufacturers must notify all registered owners and purchasers of the vehicles by mail that the problem exists and evaluate its safety risk. They must say how to get it corrected (at no charge), when the remedy will be available, how long it will take, and whom to contact if there’s a problem getting the work done.

If you’ve heard about a recall but don’t receive a letter in a “reasonable” amount of time, take these steps:

Visit the manufacturer’s web site and the site for the National Highway Traffic Safety Administration (NHTSA) at http://www.safercar.gov. Search the NHTSA’s database for recalls on your vehicle. While you’re there, search the database for any “technical service bulletins” for your car. These are memos to dealer service departments on any mechanical issues that you might want to have addressed, especially if your car is still under warranty.

Get a CARFAX report on your car (by Vehicle Identification Number). This is important if you’re buying a used car since manufacturers are not required to repair a recalled car at no charge if it is more than 10 years old.

Call your dealer to schedule an appointment. They will probably tell you to be patient.

Play a key role in keeping vehicles as safe as possible by reporting any safety-related problems to the NHTSA. File a complaint online, call their hotline or mail the complaint to their office in Washington, DC. You also can search online for complaints others have made by vehicle model.

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HOME CONSTRUCTION REBOUNDS
The U. S. home construction rebounds from a 6 month low in November. This improvement covers all sections of the nation. The rate was still about 12.4% below the rate for November 2008. The most new construction was in the Northeast, followed by the South, then the Midwest and only a 1.9% increase in the West. The banks are still not lending so the builders are unable to restock their inventories. Perhaps the little pressure from President Obama will help but don’t hold your breath.
Resolve To Follow These Fitness Trends In 2010
The American College of Sports Medicine has ranked the top fitness trends for 2010 based on a worldwide survey of fitness professionals. Make a New Year’s resolution to incorporate these trends in your family’s fitness program this year:

Educated and experienced fitness professionals. As the fitness market becomes more competitive, consumers are realizing the importance of working with professionals who have been certified through accredited health/fitness educational programs.

Strength training. This was once the domain of bodybuilders, but it’s now an essential part of a complete physical activity program.

Children and obesity. This is the year to reverse an alarming trend of rising obesity rates by getting overweight kids involved in exercise.

Personal training. As more personal trainers are educated and certified, they are becoming more accessible to a greater number of people.

Core training. This training specifically emphasizes strength and conditioning of the stabilizing muscles of the abdomen and back.

Special programs for older adults. Fitness facilities are offering more exercise programs for active older adults. Get your parents involved now!

Sport-specific training. High school athletes are now training during the off-season to prepare themselves for their specific sports.

Pilates. This form of exercise that targets the core of the body has become a mainstay of most fitness facilities. If you haven’t already done so, try it this year to increase your flexibility and posture.

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MEXICO
An investment note: Billionaire Carlos Slim, who controls Mexico’s biggest wireless and land-line phone companies, said low interest rates, a favorable exchange rate, and government policies that promote fiscal stability make it a good time to invest in the country. So if you are thinking about a vacation or retirement home in Mexico, NOW is the time to buy your DREAM home or condo. Contact me for help in finding your Dream home in the city of peace. email: omnilapaz@gmail.com

Can Medication Make You Sick?
Medication is supposed to make us better, but it can have the opposite effect. Take care to avoid these medication mistakes:

Mixing over-the-counter (OTC) and prescription medications. You may be double dosing. For example, if you take a cold pill that contains acetaminophen (more than 600 OTC and prescription medicines do), don’t pop an additional Tylenol for good measure. Too much of the drug can cause liver damage.

Not recognizing the “rebound effect.” That’s when a drug produces reverse effects when the effect of the drug has passed or the patient no longer responds to it. In other words, a remedy meant to help may make a condition worse. This has been known to happen with pain relievers, OTC eye drops, decongestant sprays, sleeping pills and teeth whiteners. Best advice: If you don’t think a drug or product is working, don’t just take more of it. Talk to your doctor about alternatives.

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Here’s A Valuable Resource…
If you’d like to receive personally researched properties to meet your individual requirements, please call me at 52 (612) 123-4888. or email me at omnilapaz@gmail.com
IF YOU ARE THINKING ABOUT BUYING PROPERTY IN MEXICO THE E-BOOK MARGARITA MIND IS A MUST READ!!

CLICK LINK HERE TO ORDER ONLINE
http://omnilapaz.safogel.hop.clickbank.net

Trivia Challenge for the Month…
Last month’s Trivia Question!
Who was the first host of Saturday Night Live when it debuted on October 11, 1975?

a) George Carlin b) Steve Martin c) Billy Crystal d) Candice Bergen

The answer is a) George Carlin. So, let’s move on to this month’s trivia question.

Who is the highest paid athlete in the world?
(including salaries, bonuses, prize money and endorsements)?

Michael Jordan
Kobe Bryant
Tiger Woods
David Beckham

Real Estate Corner
For those of you that may be first time buyer’s or have friends or relatives that may find this info useful.
.Q. What’s the latest on the first-time homebuyer tax credit?

A. The tax credit for qualified first-time homebuyers was extended to this spring. Some of the original features are the same, including:

First-time buyers can get a credit of as much as 10 percent of the purchase price, up to $8,000. The home must be your principal residence for the next three consecutive years.
If you don’t pay enough tax to offset the credit, you can get a tax refund.
You can’t purchase the home from your ancestors (parents, grandparents, etc.) or your lineal descendants (children, grandchildren, etc.).
New features include:
A buyer must have a contract before May 1, 2010 and the sale must close before July 1, 2010.
Income limits have been raised. Check sites such as http://www.irs.gov or http://www.federalhousingtaxcredit.com for details.
If you buy after Nov. 6, 2009, the credit is available if the home will be your principal residence and the price is less than or equal to $800,000.
Repeat buyers who lived in one residence for five consecutive years of the last eight can quality for a tax credit of as much as 10 percent of the purchase price, up to $6,500.
For purchases after Nov. 6, 2009, you can’t claim the credit if you buy the home from a spouse or spouse’s family members.
We don’t have first time buyer credits here in Mexico but we do have very competitive loan rates, some great properties and prices to fit most everyones budget. So come on down the weather is great!!

If you need trustworthy representation for your DREAM home purchase in the La Paz area, please email me at omnilapaz@gmail.com.

THANK YOU…For reading my Service For Life!® personal newsletter. I wanted to produce a newsletter that has great content and is fun and valuable to you. Help your friends get more out of life by forwarding this email to them…

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Omni Services S.A. de C.V.
Alvaro Obregon 460-C
La Paz, Baja California Sur 23000
Mexico

December 12, 2009

Service For Life Newsletter-La Paz Update Dec. 2009

Posted in Newsletter at 12:39 pm by osmx

Gordon G. Herpst’s…
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue…
How To Complain Effectively
These Credit Card Changes Will Protect Your Teen
Use It Or Lose It: Making The Most Of Gift Cards
Trivia Challenge:
Real Estate Q&A: What Are “Walkability” Scores?…

If you’re not already a subscriber to my free e-newsletter email me to sign-up
Gordon G. Herpst, TRC, GRI
Omni Services S.A. de C.V.
Phone: (702) 425-6048 (702) 425-6048 (702) 425-6048 (702) 425-6048
Local (612) 123-4888 (612) 123-4888 (612) 123-4888 (612) 123-4888
Email: omni@osmx.com

Dear Subscriber,
Welcome to my very first ‘online’ issue of Service For Life! ® I hope you enjoy my informative and entertaining articles, anecdotes, tips and jokes. You can read about how to get the most for your money with Gift Cards in today’s Service For Life! Service For Life! ® Free consumer newsletter. I hope that this program works better than the previous ones.

Here’s what’s happening in La Paz, The Christmas parties have started and the government agencies, Notarios, schools etc. will start closing down about the 15th and will reopen starting about the 10th to 15th of January. Sooo, not much real estate will be closing until next year. The new Home Depot is now open in La Paz. We are gradually getting more services available here.
If you have a friend, family member or neighbor that needs a real estate professional to help with buying or selling property in the La Paz area, please let me know..

To health, success and laughter in your life!
Wishing you all a MERRY CHRISTMAS and a HAPPY NEW YEAR!!

Regards
Gordon
Gordon G. Herpst, REALTOR®
Omni Services S.A. de C.V.
How To Complain Effectively
The customer may always be right, but sometimes you have to convince companies that it’s true. If you think you’ve encountered bad service, you not only have a right to complain, you have a responsibility. Here’s how to do it effectively:

Decide what you want the company to do. Will you be satisfied with a refund, a credit, a repaired product or a replacement?

Contact the seller as soon as possible. Talking to a customer service representative can solve many problems. Be ready with details and documentation. Be assertive yet calm (not threatening!) as you explain your position. Keep going up the ladder until you reach someone in a position of authority.

If the issue is not resolved, write a letter to the seller’s national headquarters or the manufacturer of the item. Do your research since the manufacturer is often different than the brand name.

If you are not satisfied (after a reasonable amount of time), file a complaint with a third party. In addition to complaining to the Better Business Bureau and your state consumer protection office, take your issue to the state or federal agency that regulates that particular business. You might also get help from a trade association or the local news media.

If all else fails, consider filing a small claims suit or pursuing a dispute resolution program. You can get a directory of programs, including mediation, arbitration and conciliation, from the American Bar Association.
For more information, consult the “2009 Consumer Action Handbook” a free 172-page guide from the General Service Administration’s Office of Citizen Services and Communication. You can order the handbook, which contains a directory of several hundred companies and a sample complaint letter, or download it at http://www.consumeraction.gov.

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Feeling Scrunched In Your Current Home?
Maybe you just need a change of location for your vacations or perhaps you are ready for retirement. I can help you find your DREAM vacation or retirement home here in the La Paz area. Homes or condos, Bay views, gated areas, golf course etc. It’s easier than you think. Send me an email with your requirements. omni@osmx.com
These Credit Card Changes Will Protect Your Teen
Has your teenager or college student been tempted by credit card solicitations? The Credit Card Act of 2009 will put an end to that. Effective February 22, 2010, these new rules will limit marketing and issuing credit cards to young people:

Companies will not be allowed to issue a credit card to a consumer younger than 21 unless he or she has a co-signer over 21 or can show proof that they have the means to repay the card debt.

Pre-screened credit offers must not be sent to anyone under 21.

Companies are banned from offering gifts (such as pizzas or t-shirts) to induce college students to apply for credit cards on or near campus.

Colleges, universities and alumni organizations will have to annually disclose the terms of any marketing or promotional agreements they make with credit card companies.? Additionally, Congress urges colleges to require that students receive credit and debt management courses as a part of new student orientation.

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FINALLY HERE!!
HOME DEPOT IS NOW OPEN!
Just across the road from Sam’s club, Wal – Mart and VIPS restaurant. (VIPS is similar to Denny’s)

This will be a great help for those building or remodeling their dream homes.
PARAISO DEL MAR
The golf course is now open. They are now offering a greens fee discount to my clients so let me know when you will be here. From my web site you can access their site for the latest info. Go to the Homes In Mexico page and select Paraiso del Mar, log on with the code TH0036 Enjoy!

Use It Or Lose It: Making The Most Of Gift Cards
Chances are you’ll give or receive at least one gift card over the holidays, but there’s more to buying and redeeming them than you think. Follow these tips to get the most for your money.

If you’re purchasing one…
Only buy cards that clearly state the cost, monthly fees and expiration date.
Include your purchase receipt with the gift card in case the recipient has problems with it.
If you’re using one…
Know what you have. Is it a store card or bank card? Bank cards (Visa, MasterCard and American Express) are popular but they come with fees and terms. If you receive a bank card, register it online so you can get a replacement if it’s lost or stolen. (You’ll need to report it right away.)

Use the total value of the card within six months. You’ll avoid fees and the possibility of the store going out of business.

Try to use the card at stores that accept split payments (part card, part cash). While most large chain stores do, some stores don’t. The Consumer Federation of America says 10 percent of the value of bank cards is never used.

Keep track of your balance (the store may be able to tell you). It’s easy to forget you have money left on the card. Any unused amount only benefits the store or bank.
There’s good news: Effective August 2010, a new law requires cards to be active for at least five years and prohibits companies from charging fees if gift cards are used within the past 12 months.

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Trivia Challenge for the Month…

Who was the first host of Saturday Night Live
when it debuted on October 11, 1975?
George Carlin
Steve Martin
Billy Crystal
Candice Bergen

Answer will be in next Months newsletter.

If you are thinking about buying property in Mexico this book is a MUST READ! ORDER YOUR ONLINE E-BOOK HERE.
This book will help you avoid the pit-falls many people experience when buying property in Mexico. Have a joyful and happy time enjoying your DREAM home. Miss all the frustration and delays.
CLICK HERE TO ORDER

Real Estate Q&A…
Q. What Are “Walkability” Scores?

A. CEOs For Cities, a national network of urban leaders, commissioned a study released in August 2009 that explored the relationship between home values and walkability in various U.S. metropolitan areas.

Walkability is defined by the Walk Score algorithm, which calculates the closest amenities to a U.S. address. Scores range from 0 (car dependent) to 100 (most walkable).

The results showed that the walkability of cities translated into increased home values in 13 of the 15 housing markets studied. In the typical metropolitan area, a one-point increase in Walk Score was associated with an increase in value ranging from $700 to $3,000 depending on the market. The gains were larger in more dense, urban areas like Chicago and San Francisco and smaller in less dense markets like Tucson and Fresno.

Walk Score is an approximation. It does not consider factors such as public transit, crime and topography. Lots of real estate agents, however, are adding the Walk Score to their listings.

(Great info if you are buying or selling in the states, but not meaningful
in Mexico at this time.)

If you have any questions, or need capable and trustworthy representation, in La Paz, please email me at omni@osmx.com.

THANK YOU…For reading my Service For Life!® personal newsletter. I wanted to produce a newsletter that has great content and is fun and valuable to you. Help your friends get more out of life by forwarding this email to them…
LOTS OF ADDITIONAL INFORMATION ON MY WEB SITE.
click here to go there!

Share this issue with family and friends — Forward To A Friend
You received this email because you requested it, are on the mailing list as {EMAIL_ADDRESS}, or a friend forwarded it to you.

Disclaimer: The information contained in this email is intended for informational purposes. It should not substitute as legal, accounting, investment, medical and other professional services advice. Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.
Click to view this email in a browser

Copyright (c) 2009 by Forte Communications, Inc.

If you would like to stop receiving helpful tips on Healthy, Wealthy, and Happy Living from me, you may Remove yourself here: Unsubscribe

Omni Services S.A. de C.V.
Alvaro Obregon 460-C
La Paz, BCS 89060

November 5, 2009

Service For Life Newsletter-La Paz Update November 2009

Posted in Newsletter at 11:20 am by osmx

Click link below for the newsletter in PDF format.

scan0001

YOU NEED THIS BOOK IF YOU

are even thinking about buying property in Mexico.
Click on the following link to buy and download your copy in PDF format.
Link address is also listed below.

http://omnilapaz.safogel.hop.clickbank.net

October 12, 2009

Service For Life Newsletter-La Paz Update Oct.2009

Posted in Newsletter at 12:47 pm by osmx

CLICK THE FOLLOWING LINK TO OPEN THE PDF FILE.

scan0001

September 15, 2009

Service For Life Newsletter and La Paz Update Sept. 2009

Posted in Newsletter at 9:54 am by osmx

Please go to  http://osmx.com/scan0001.pdf  for the newsletter as I am unable to paste formatted word documents into the blog pages.

July 10, 2009

Service For Life Newsletter-La Paz Update July 2009

Posted in Newsletter at 11:40 am by osmx

Newsletter July 2009

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