Bob Glaser Elected Chair of Bond Oversight Committee for San Diego Community College District

PRESS RELEASE PRESS RELEASE PRESS RELEASE

Who: Bob Glaser, Owner
What: Bob Glaser has been elected Chair of the San Diego Community College District Citizen’s Oversight Committee for Props S & N overseeing 1.55 Billion dollars in construction for the SDCCD Colleges.
When: First Meeting July 9, 2007
Where: BGlaser@PinkFlamingoMortgage.com
Why: Annual election of Oversight Chair for two year term

San Diego, CA. Bob Glaser, owner of Pink Flamingo Mortgage in San Diego, CA, was elected Chair of the San Diego Community College District (SDCCD) Citizen’s Oversight Committee (COC) for Props S & N; and will conduct his first meeting on July 9, 2007 at San Diego Mesa College. Mr. Glaser is an alumnus of San Diego Mesa College (as well as San Diego State University and California Western School of Law) and is excited to return to Mesa College for his first meeting as Chair of the COC.

Bob Glaser has had a long history with the SDCCD starting with his two terms as Student President at Mesa College. After graduation from Mesa, SDSU and California Western School of Law, Bob returned to Mesa College to serve on its Citizen’s Advisory Council. Mr. Glaser went on to serve on the Miramar Citizen’s Advisory Council as well as serve as a regular Member of the Prop S COC.

Bob Glaser was involved in the passage of both Proposition S and Proposition N which has a combined construction value of over $1.55 Billion, and will go far in the completion of Mesa College, City College, Miramar College and the Continuing Education satellite campuses. (Read more about Propositions S and N; and the projects they will build)

Mr. Glaser, who has a back ground as both an Attorney and as a Real Estate Broker, was proud to be elected by a unanimous vote of the Oversight Committee. Bob had served for several years on the Committee and brings a sense of history of the District as well as professional perspective about the development of each campus. His 30 plus year association with these campuses puts in context the current ranking of needs, and an understanding of how long the District has worked toward this goal of campus build out.

“The next two years will see aggressive progress toward completion of many dreams that have been nurtured for decades!” stated Bob. He continued, “Every campus has many critical projects they have been promoting for many, many years. Now, with Prop S and N financing in place, these critical projects can be built. This will mean a better education for the students, and an overall improved learning environment.”

“I am proud to have played a small role in the passage of these Bonds. The real credit goes to Board of Trustee and Chancellor Carroll, who stepped out and provided the leadership to place these bonds before the voters! Then they campaigned strenuously for their passage. Future students will never know the debt of thanks they owe these individuals, but their future is brighter because of the passage of Props S & N.” concluded Mr. Glaser


For further information please feel free to contact Bob at:

Bob Glaser 858-496-8899
8304 Clairemont Mesa Blvd.
Suite 213
San Diego, CA 92111-1315
Fax: 858-496-3980
Web Site: http://www.pinkflamingomortgage.com/
Email: BGlaser@PinkFlamingoMortgage.com

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So today I am registering at Technorati and claiming PFMortage.com and http://www.pinkflamingomortgage.com/ for my own. In the days and weeks ahead I will be adding key links and hopefully an RSS Button that is easier than the one at the bottom of this page that you can use to subscribe to this blog. Onward and outward!

Bob

What You Need to Know About FICO Scores!!!

Knowledge is power! So here is some basic knowledge about where those FICO scores come from and how they are added up! This information gives you a road map for planning to improve your scores. On-time payments is the obvious one, but keeping your "credit used" to "available credit" low on individual cards is not so well known. Also, keep old card that you are not using as they have very long credit histories with no late payments. Use them occasionally and then pay them off. Never, never, never let a "public record" get attached!!! Like a Bankruptcy it will stay with you a long time. Here is some more general information:

35% of a FICO score is based on Payment History:

0 - 6 Months - Late payments get the biggest point hit

7-23 Months - Next period. Not as bad, but still a hit

24 + Months - Start to lose negative impact

30% of a FICO score is based on Balances

Keep used credit under 50% of available credit

Over 75% will severely hurt your score

15% of a FICO is based on Credit History

Time will improve your score up to 30 years is perfect

10% of a FICO is the Type of Credit

Diversity your credit types between a mortgage, car loan, credit cards.

Never use a "Buy Now Pay Later" this is a big credit HIT.

10% of a FICO is based on Inquiries

What counts and what won't is complicated. You should Opt-Out of all

involuntary credit pulls.

Go to http://www.pinkflamingomortgage.com/ and under Power Tools there is a video that will tell you how to Opt-Out.

Finally, if you have old (older than two years) "write offs" on your record. Leave them alone. As you can see above, after 24 months there is very little hit on the credit score, you have gone through the worst. But if you pay them off, the computer re-posts it as a new report, and then a pay off of an account that was written off and you get a very BIG HIT. So let sleeping dogs lie.

Now that you know the secrets, balance off those credit cards to all under 50%. Pay on time and never open a "buy now pay later" account. Finally, any items that are incorrect on your Report should be challenged with the Credit Agency and with the reporting company. Make them remove the errors.

Soon you will be over 700 and qualify for the best financing available!!!

Bob

NBC 7/39 Pros on Demand

We are proud to be the NBC 7/39 Mortgage Pro on Demand.

We currently have two video tips running on the 7/39 web site and should be adding a 3rd soon.

As a "Pros on Demand" member we occasionally get questions forwarded from the public to answer. Usually about interest rates or ARM vs. Fixed. We are proud to be associated with NBC and to offer free expertise whenever needed.

If you have a question about Mortgages or Real Estate in general feel free to contact me at: BGlaser@PinkFlamingoMortgage.com . I will get back to you asap and help solve your problem.

Both of our video tips deal with improving your credit score, or FICO. If you are getting ready to buy in San Diego County, you must clean up your credit file first. The difference between a 640 and 703 FICO could save you tens of thousands of dollars over the life of a loan. Sometimes more.

So watch the videos and follow the instructions for your quick and easy clean ups. I will be writing here about more detailed ways to improve your credit scores. So check back often. Or click on the RSS feed below and my site will notify you when I post something new.

You can always email me at: BGlaser@PinkFlamingoMortgage.com

Bob

5 Easy Steps to Improve Your Credit Score

When shopping a mortgage in San Diego, or anywhere, the first question will be ... "What's your FICO (credit score)? Mortgages are driven by credit scores. And with the Sub-Prime melt down, they are more important than ever. So what can you do??? Well there is the obvious, pay everything on time and keep your credit cards for a long time. History is important, timeliness is important and keeping your outstanding credit balances low is very important.

Here are the 5 easy steps to improve your credit score. None of these require much money, its more the effort here that will pay big dividends.

First and foremost:

1. Opt Out of unsolicited credit offers by calling 1-888-5 Opt Out.

Every time your credit is pulled you are charged a point or two. There are different rules for different types of pulls. But why have any unless YOU want them. By calling Opt Out, you do just that. You opt out of receiving ANY unsolicited credit offers for credit cards, mortgages, revolving charge cards, and any other form of credit. Any time you AUTHORIZE a credit check, no problem. But now you are in charge of your credit file.

Next you have to:

2. Purchase your Tri-Merged credit report at: http://www.transunion.com/ and know your score.

How can you know where you are going, if you don't know where you are starting from. Get your credit report WITH the credit score. OK this will cost a few bucks. But now you know what you are fighting against.

Then:

3. Review your report and file a written challenge to every error.

Every credit report has errors. They are there, and they will cost you points until you challenge them and take them off. Or you can wait 7 to 10 years until the credit agency finally drops them. Hey, it isn't brain surgery. Just write them a letter and challenge them on the facts. Now remember, they just need to list the item accurately. So if your complaint is that the company failed to fix your product ... well the credit agency just won't care. That is not there job. But if the payment was made on time and they are WRONG listing it late, they have to investigate with the lender. If it is a public record and it was removed, or the lien was paid and your report is in error. Then tell them. Give them all the facts and ask for a response in 30 days. It's your right.

If they don't remove a mistake or error, then:

4. Repeat your challenges every month until they are gone.

Be the squeaky wheel!!!

Finally, and this is a big one:

5. Keep “used” credit to less than 50% of your available credit on each card and account.

This establishes your wise use of credit. Make sure each card is under 50% and that all cards combined stay under 50% (which should be true if you follow the first rule) and they will see thatt you know how to manage your credit.

Some other general items. Age of your history is important. Keep cards open a long time. Even with zero balances they show your long term credit management. Don't keep opening new cards just because you can. It looks desperate. And never, never, ever let a public record get filed. They put you into a higher risk category which remains even when they are paid off. So ... don't fight the IRS.

More tips at the web site: http://www.pinkflamingomortgage.com/

Bob

LiveWell San Diego!

At the end of our business week, most of us look forward to quality time with our family and down time from our day to day work routine. So it was with maybe just a little less than 100% enthusiasm that I collected my mother (an active 75 year old) and devoted last Friday evening to supporting LiveWell San Diego, an Adult Resource Network (formerly the Clairemont Senior Center), with our attendance at their annual fundraising BBQ.

LiveWell San Diego is a not for profit organization primarily serving the nutritional needs of Senior Citizens throughout San Diego county, but also offering recreation activities, adult daycare and a place where caring staff are committed to empowering retirees, seniors, and caregivers to live life to its fullest by providing a one-stop-source for services to help them remain healthy, active, independent, and fulfilled.

My mom and I were greeted at the door by smiling volunteers who helped us with name tags and invited us to join the already large and enthusiastic crowd of party goers enjoying music from the 50s and 60s on CD, as well as a very talented woman singing and playing the guitar. Inside, we were met by my business partner at Pink Flamingo Mortgage, Terry McComas, who was attending with her older brother (a retiree, due to cancer and the loss of an eye). Terry ushered us to a table she had already filled with members of Bay Mesa Real Estate Association (one of the professional organizations we affiliate with), and Bill O’Donnell (retiree, professional bagpipe player and Assistant Manager of a local mobilhome park).

After exchanging greetings, we headed off for the serving bar where some of the best fried chicken I ever tasted was being offered – in addition to freshly tossed salad, perfectly cooked vegetables, sumptuous beans and fresh fruit. Warm cookies were delivered around the room in a basket, as we were finishing up our dinner plates.

But more than the food, I looked around the room and was struck by the others in attendance. Many, like me, had come from their work with senior parents or senior friends in tow. Most of the other attendees were seniors served by LiveWell San Diego, many of them up in years, but still out and about in their community and enjoying a good meal, good music and the companionship of others.

LiveWell San Diego relies heavily on the financial support of the community to provide nutritional and recreational programs for seniors. I was pleased to support the organization at the BBQ last Friday, and hope my friends, family and business associates reading this blog may choose to help, too. The Director, Cathy Hopper, can be reached at 858-483-5100. LiveWell San Diego is located at 4425 Bannock Avenue, San Diego, CA 92117. Your can check out their website at http://www.livewellsandiego.org/

Our loved ones may never need the senior nutritional programs, adult daycare or recreational activities provided by LiveWell San Diego, but – if we do – it’s people like you and me, people that support and contribute to LiveWell San Diego, that will ensure they have the funds to continue to serve our senior community.

Bob

Another Day in Paradise with the Padres!

Another Day in Paradise & the Padres are in 1st Place!! What a week! Tonight the Padres go for a sweep of the Dodgers. Decorum prevents me from listing the Dodgers complete name on my blog, but trust me there are a lot of extra expletives that go in the name.



San Diego is a great place to live and fund mortgages. And the last two years the Padres have won the Western Division and made us proud. This year we have to go deep into the playoffs. And Trevor gets 500!!! Wow!



It's enough to blot out Paris Hilton's release from jail. What a fiasco.



But back to the Padres. The best pitching in baseball. The best relief staff in baseball. Now we just need to improve on clutch hitting, and we can go all the way and win the World Series.



See you at Petco !!

Bob