Sellers and Buyers Pace Yourselves When Deciding to Get the PACE Energy-Efficient Program- 2017 New Laws to Protect You!

HERO AND PACE PROGRAMS – ARE THEY REALLY HEROES?

Do you ever feel satisfied and happy when you obtain something so easily that it feels unreal? Of course, not! Satisfaction and enjoyment come from some resistance, hard work, and some challenge.  And yet, when it comes to one’s home, the biggest investment in one’s life, many people have jumped to obtain the Home Energy Renovation Opportunity (HERO), https://en.wikipedia.org/wiki/HERO_Program, which is a Property Assessed Clean Energy (PACE) program https://en.wikipedia.org/wiki/PACE_financing and continue to do so in order to retrofit their homes.

Types of residential and commercial retrofitting:

  • installing energy-efficient, water conservation retrofits
  • seismic retrofits
  • solar panels
  • energy efficient windows
  • energy-efficient heating and air systems
Installing solar panels is one of the most popular with homeowners

The PACE loan program was introduced in 2008 to finance energy and other retrofits with ease and very few requirements or disclosures. To qualify for this loan, homeowners need to have equity in their homes, so credit scores do not matter. It is also 100% financing with no money down from the homeowner. So far PACE sounds enticing and an amazing way to lower one’s utility bills by doing certain retrofits. Well, it really depends on your future plans, and if you have to sell the home, as this loan is designed to pass the debt unto the new homeowners, which might not make them happy.

HOW DOES PACE IMPACT BUYERS AND SELLERS?

 

  1. Due to the fact that repayments of the PACE loan are made through the property taxes.
  2. The house has higher property taxes than a similar home on the same street with no PACE loan on.
  3. Sellers will leave debt behind to the new homeowners who assume all these upgrades whether they want them or not.
  4. PACE is shown on the preliminary title report as a first lien.
  5. The property taxes will reflect the additional assessment fees incurred through the PACE loan.
  6. New owners assume the remaining assessment payments, or sellers are forced to reduce the selling price of the home to make the sale go through.
  7. Interest rates can be 3 to 4% higher than traditional loans.
  8. Having a PACE loan might be the only way for some homeowners to install a new HVAC system or new windows, but be prepared for the future impact when reselling the house, as it is not as easy to sell in comparison with a debt-free home.
  9. Are the upgrades worth it in the long run? Sure, they are, but think of how long you will live in that house before getting this loan.
  10. To sum thing up, pace yourselves when it comes to PACE and think of the future plans and the impact of trying to pass debt to the new homeowners. We all know that debt is not sexy!
Debt is a vicious circle

 

2017 NEW LAWS REGARDING PACE PROGRAMS

 

Under the new law, which took effect Jan. 1, entities that offer PACE financing providers are required to do the following:

  1. Provide homeowners with a standard written financial disclosure similar to the federal Truth in Lending Act disclosure.
  2. Give the applicants the right to cancel PACE contract within three days.
  3. It limits the amount a homeowner can borrow.
  4. It specifies that homeowners must own the property on which the home sits, be current on their mortgage and property taxes, and not in default or involved in bankruptcy proceedings.

When things sound too good to be true, most often they are, so be aware of the potential future hurdles when selling or buying a home under this program. Maybe try to qualify for a standard loan instead, as well as understand that it can take up to 20 years to break even on a solar system and that the money saved on energy bills is not that significant.

Do your homework, and let me know if I can answer any questions.

For more info on running and real estate, whether buying or selling, please e-mail me at carmenmicsa@yahoo.com, or call me at 916-342-2446. Running for real estate with joy!

How to Lose Weight, Have More Energy, and Run Faster on Real Vegan Food!

Sports, Nutrition, and Energy

 

I loved sports since childhood and have been blessed with tremendous energy to keep going for hours, doing gymnastics, playing soccer, tennis, handball, basketball, and running, which has become my greatest passion next to tennis. Having been so fortunate to have all this energy, I never thought that I could increase my energy levels even more by becoming vegan, but once that happened, I was amazed. I also felt that I fully earned my nickname the “energizer bunny” that a lot of my friends bestowed upon me.  However, the main difference in my stamina came in 2012 when I decided to become pesco-vegan http://www.livestrong.com/article/98689-pescovegetarian-diet/ after watching Tamra, one of my tennis friends who is vegan eat after our tennis matches. She was my inspiration! One day after our singles match, I told her I was ready to become vegan, so she gave me many good pointers. I thus made the switch right away and turned fully vegan for the first month, after which I added the seafood to my diet.

The pesco-vegan diet

 

It follows the vegan diet, meaning no dairy products, no meat, no eggs, but adds seafood and wild fish, which are good sources of Omega-3s and are great for brain function.  In less than a month, after I changed my diet, my energy level doubled and I felt twenty years younger. I also lost weight, even though I was never big, but the belly fat after giving birth to our sweet children would not go away until I changed my diet and dropped from size 8 to size 4 in just two months.

As a pesco-vegan, I used to enjoy wild-caught salmon with a variety of side dishes. Always buy wild-caught fish if you decide to eat fish.
Salmon and sweet potatoes

 

The Fully Vegan Diet

 

In December 2016, while taking a Pilates class at California Family Fitness with Linda, a vegan for more than 27 years, I decided to become fully vegan and not eat any more seafood. Last year, I had a phenomenal year in running winning seven races in my age group and setting 16 PRs (personal records) out of the 18  road and trail races that I ran,  and I never ran low on fuel or energy. I also got accepted into the Sacramento Fleet Feet Racing Team, so fueling my body properly is super important. I have fun making big pots of lentil soup, vegan burgers, salads, pizza using the fresh herbs dough from Trader Joe’s, and pasta.

Pasta with mushrooms and zucchini.

 

Lentil and mixed whole grains- Yummy!
Carbs are great for runners and all other athletes!
Salads are great and so easy to make! You can top them with beans for extra protein, tofu, Quinoa, and seeds. Delicious and so healthy!

While all this sounds good, you might wonder why you should accept my story. How about other runners or athletes? Do they share a similar story with mine? Pretty much so!

Interview with Josh Fernandez, writer, English Professor at Folsom Lake College, vegan marathon and ultra runner who is on the Sacramento Fleet Feet Racing team

Josh will run Boston this year, 2017!

What made you decide to become vegan?

“At first, it was my friend Toni Okamoto, who runs a website called Plant Based on a Budget http://plantbasedonabudget.com/.  One night, I was at dinner and I called her and asked her about being a vegan. That night, she convinced me that I could easily go from being a vegetarian to vegan. Eventually, we started running together and we ran the Running With the Bears marathon where I met one of her friends, a guy named Dave Wiskowski. He was really cool an ended up running a lot of the race with me. He is an ultrarunner and a vegan. Actually, at the time, he was a fruitarian. An ultrarunner who only eats fruit! I love weird stuff like that.  Anyway, he’s a really amazing guy. A true inspiration. Together, they convinced me that cruelty-free eating is the only way for me.”

 How did changing your diet affect your running?

“I became a vegan several months before the California International Marathon in 2015. I thought to myself, “Well, this will either help me or kill me.” I started eating a lot of avocados, veggies, and pasta. I could feel a difference in my body right away. I felt leaner. I had more energy. I started training with very little fatigue. I got this feeling that I could run forever. Maybe some of it was a placebo effect, but it didn’t matter. I felt strong. That year I knocked almost 20 minutes off my marathon PR and qualified for the Boston Marathon.” 

 Was your experience as a vegan only positive?

“Yes. I used to get tired every day at around 3 p.m., like this really low energy, sluggish feeling, especially if I was at work. At 3 p.m., I would literally rest my head on my desk and struggle to get up. Then I’d pound a coffee, which would keep me up all night. I don’t get that tired feeling anymore and I attribute that all to being vegan. Dairy, especially cheese and lard, weighs me down quite a bit. Cutting that stuff out produces really beneficial and exciting results if you’re an athlete.”  

 What is your favorite source of protein after a long run? 

“I love avocados. I really like to eat a big fat sandwich with avocados, spinach, bell peppers, cucumbers, and hummus. I wash it down with a smoothie made with kale, celery, ginger, apple, garlic and a scoop of Vega protein powder. I think when you’re vegan for a while, your taste buds morph, so even sort of gross food (like garlic in a smoothie) is somehow incredibly appetizing. That’s what my wife says, at least. “

 Any pros and cons of the vegan diet?

“The only con is when people invite you over to dinner, you have to engage in the awkward conversation where you let them know they’re either going to have to make a vegan meal, or you’ll just “bring something from home,” which never happens. But luckily, when you’re vegan, nobody really invites you to dinner, anyway.” 

Any specific advice for runners or anyone else looking to change their diet and become fully vegans?

 “My friend Toni suggested (since I really loved cheese, like in a sick way, enough that I would sometimes eat a block of medium cheddar for lunch) that I should become a vegan in phases–first you get rid of  milk, then eggs, then cheese, etc. So that’s what I did and it really worked. I don’t miss cheese anymore. When I’m craving pizza, Amy’s makes a really good frozen cheese-less pizza that hits the spot, since I don’t like the taste of imitation cheese. You’d think with all the technological advances in the world someone would engineer a cheese that doesn’t taste like toe fungus, but I guess that’s not really a priority. Anyway, I think everyone loves animals, so I would suggest that everybody go vegan. Don’t make me bust out pictures of what happens at factory farms.” 

 Why vegan vs. vegetarian?

“For me, it comes down to two things: health and compassion. I feel my healthiest when I’m not weighed down by meat and dairy. I also feel the most connected to the world when I’m not causing pain to other animals.” 

Now that you have two opinions on turning vegan, I urge you to find out what works for you as far as your diet, consult a nutritionist, read more about the vegetarian and the vegan diets, and embrace the change.  I wish you a healthier, speedier, and more amazing 2017. You can do it!

For more info on running and real estate, whether buying or selling, please e-mail me at carmenmicsa@yahoo.com, or call me at 916-342-2446. Running for real estate with joy!

 

 

Pricing Your Home Right for Top $$$ in our 2017 market – Dos and Don’ts!

Buying and selling a home are both emotional events, but selling a house in our Sacramento real estate market and any other market is even more emotional, as sellers put their heart and soul into their homes, remodeling, improving, and leaving behind indelible memories. With our low housing supply inventory that will continue in 2017 sellers rejoice in their opportunity to sell their homes for top dollars with little hassle and even with multiple offers. Yet, pricing your home right in a hot market is still key and Realtor.com offers some great advice and six rules on pricing your home right. http://www.realtor.com/advice/6-rules-follow-pricing-home/

Pricing Your Home Right

DO PRICE YOUR HOME RIGHT! When it comes to pricing a home, the majority of the sellers feel that their house is worth so much more than the rest of the homes that have sold recently. https://www.houselogic.com/sell/how-much-is-my-home-worth/?cid=pm_ps_bing_cac

DON’T  FOLLOW YOUR FEELINGS; FOLLOW THE DATA! My duty as a real estate broker and professional is to present all the data, such as recent comps of other similar homes that sold in the neighborhood, statistics, and market analysis, which will help my sellers decide upon my suggested listing price. Thus pricing their home will be done based on carefully researched data and not emotions, feelings. By relying on the most current market data, sellers will avoid pricing their home too high. Also according to local appraiser Ryan Lundquist, it is important to http://sacramentoappraisalblog.com/2017/01/03/trends-to-watch-in-real-estate-in-2017/ choose similar homes to the one the seller has to sell, instead of focusing on the highest sold in the neighborhood and have appraisal issues later on during the escrow. Lundquist also points out that just because our housing inventory is low does not mean that sellers should command unreasonably high prices, which is also my position as a real estate broker. I like to be honest and upfront with my sellers during the listing appointment and not create false expectations.

Not all buyers will appreciate the older flushing system, so changing the toilet might be a great idea, giving buyers fewer things to nitpick.

Reasons Your Home is Not Selling:

  1. Home is overpriced.
  2. Home is outdated.
  3. Home is over-improved for the neighborhood.
  4. Home has been nicely updated and remodeled, but price is too high and buyers are not willing to pay for it.
  5. Few, or no showings at all is a clear indication of the house being overpriced.
  6. Plenty of showings, but no offers is also a sign that the house is overpriced.
  7. Price is king!

Top Cures for not Selling:

  1. Be proactive, not reactive, which simply means not waiting months and months before dropping the price and selling your home at what the market will bear.
  2. Do not wait till you receive a bunch of low ball offers; instead, adjust the price accordingly to attract those highly motivated and well-qualified buyers.
  3. Do not let too much time elapse in between price adjustments, or buyers will think there is something wrong with your house.
  4. Enhance the curb appeal on a budget and make things inviting, so buyers can feel at home.
  5. Work with highly reputable, honest, and experienced agents who can aggressively market your home and get it sold.
    Besides having a three-page marketing plan for my sellers, I also market their homes on the radio show Real Life Lending on 105.5 FM

     

    And least, but not last, remember that buyers today have so much more information at their fingertips and they are not willing to overpay for a house, so evaluate the recent sales and price your home to sell and you might even get more than asking price with the right marketing strategy.

    For more info on running and real estate, whether buying or selling, please e-mail me at carmenmicsa@yahoo.com, or call me at 916-342-2446. Running for real estate with joy!

 

16 Life Lessons I Learned from Running in 2016!

“Running gives us the total freedom to be ourselves, while negotiating life one stride at a time.” Carmen Micsa

Physical Fitness Lessons

  1. When in doubt you can do something, just do it anyway. I have learned this lesson this summer during the week I ran 101 miles just to see what it is like to run like an elite runner. I had started my week with a 15-mile run on the American River Parkway in the morning. In the evening, I went running through Ancil Hoffman Park and doubted I can have a decent 5 mile run, but to my great surprise, I ran in the low 8s and felt great. It also helped to see a coyote roaming around and trying to beat the summer heat.
    On the American River Parkway
    Coyote prowling around Ancil Hoffman Park

    2. When the legs get heavy, stop clenching your fists and teeth; instead, lighten up! Anytime I am tired, I love looking up at the sky. The turkey vultures seem to  have the smoothest and seamless fight pattern. They glide effortlessly and float with grace. I try to imitate them, while making my body glide down the trail with ease and determination to  end the heavy breathing and my body’s fatigue.

    The ducks were quaking and moving while I was just admiring them and taking a break from my long run.

    3. When you feel sluggish, look for someone slower than you to make you look better. I remember being at the end of my run and getting into a desperation mode when I came across this steady and determined tortoise crossing the bike trail. I smiled big and understood that slow and steady is a good thing; yet, I still found enough strength to push a little faster and not listen to my tired body.

    Feeling as slow as tortoise? Get those legs moving!

    4. Body aches all over, but you still need to get your easy run in, which is by no means easy. I remember starting my group strength training class this summer to get my body stronger and avoid injury. After my first class, I got  super sore, as my bosy was not used to the intensity. The next day, I had to do a Fartlek run that started with a 2-mile warm-up. I felt the gluteal muscles halting my entire being and thought to myself that I could just skip this and wait till the next day to run. Yet, once I finished my first two miles and got into doing my Fartleks, I felt so much better and the speed agreed with me.  Moral of the story: find that sweet spot to push past pain and a tired body.

    I used to wear knee sleeves, but not anymore.

    5. Knee pain is making you wince and stop more often than you want. My knees used to bother me until I started to run faster and changed my form and cadence. The quicker turnover of my feet also alleviated the strain I was putting on my body, so every time I get tired, keeping my form as intact as possible is key. http://www.runnersworld.com/race-training/the-great-cadence-debate

Mental Lessons

6.  Relax the mind. Although this is only my second year as a runner, I ran 18 races ranging from 5Ks to 50K this year. I PRd 16 of them and won 7 races in my age group. One reason I enjoy racing so much is because I am really good at relaxing my mind. I know I will be prepared and I do not worry or stress about the outcome of the race. I try to enjoy every minute, while I visualize myself running at a great pace propelled by all the racers around me. I can honestly say that I am not nervous when racing, whether I run a 5K or a marathon, which is why relaxing my mind with positive images and a good pep talk really works.

Winning first place in my age group at the Fabulous 40s 5k run, which felt hard due to the heat, but I ran relaxed and was excited to see my results at the end.

7. Tell your brain stories. You might scratch your heads here, but the reality is that our brains will not distinguish between a true statement or a little white lie, which by the way you should not make a habit to use unless you need to make yourself believe in your ability to keep on running strong. For instance, my favorite mantra is “fresh legs,” which I tell my brain towards the end of a race when I am tired. My brain will accept the story; my finish will be much stronger.

My body was done after 7 hours of running my first 50K, but seeing my sweet Sophia at the finish line running next to me has activated my “fresh legs.”

8. Let the positive energy carry you over the mental threshold. At the beginning of a race, most of us possess this positive energy, but towards the end when legs are tired and want to quit, the energy decreases. My trick to increase and keep my positive energy consistent is simply to observe my breath, the sky, the trees, and anything else that will take my mind off any negative feelings or remarks.

During my first 50K Folsom Gold Rush, I kept my positive energy by noticing the harmony and perfect flow of nature.

9. Surround yourself with positive and vibrant people to boost your own mental strength. We runners underestimate the power of our own words and others, so in order to perform at the level we want, it is imperative to surround ourselves with the doers and believers instead of the naysayers. When our family and friends believe in us, our minds are like a well-prepared plot of land waiting to receive the seeds that will later will grow into healthy plants. Our minds are no different and need the same clearance and preparation.

Finishing California International marathon strong. I had so many friends and family who cheered on me and believed in me so that made my running the marathon easier and more enjoyable, as my mind received all the good vibes.

10. The power of distracting the mind and redirecting our thoughts. I can honestly say that all women who are mothers like myself will get this very easily. During long runs, I have learned to distract any negative objections my mind brings up, as well as redirect my thoughts to more positive images, such as celebrating at the finish line. Additionally, whenever necessary, I treat my mind the same way I used to treat our toddler kids by using the power of distraction. The beauty of this is that my mind will accept distractions when body and legs are tired, whereas our children who are older now detect any attempt to distract them when I change the subject.

Even stopping for a jumping picture can be enough to distract the mind and infuse energy.

11. Let imagination guide the mind. During my 20-mile race before running CIM (California International marathon), I used one of the signs someone made for us runners to fuel my imagination and to make me run at marathon pace the entire race. The sign read: “Pain is temporary. Facebook pictures are forever. ” I smiled when I saw that, because as the Facebook queen- ha!ha! I could totally relate to the sign. I even started to write my won FB post in my mind, which helped me continue my run at a strong pace without hardly any pain.

Feeling strong during my 20-mile race three weeks before my CIM marathon.

Spiritual Lessons

12. Running brings us closer to God. With every step and stride, we go through a giant leap of faith. We believe in ourselves and are grateful to the higher powers guiding us. Moreover, when I ran my first marathon in 2015, I felt that God attached angel wings to my shoes that helped me run non-stop for 26.2 miles.

Finishing the first marathon CIM 2015 was truly a divine feeling.

13. The Zen of Running. Running with calm and composure turns us into Zen runners.  It is easy to overreact and worry about things that are not under our control, but if we learn to harness the Zen in us and smile when things get tough, then we will enjoy ourselves more and will be stronger mentally.

Enjoying a trail run on a frosty morning and feeling Zen about my run and life.

14.  Running is humbling. We as runners know that every race can take a sharp turn in a good or bad direction, so we  try to stay humble and not let our minds take off with too much elation and excitement.  As Lao Tzu says in one of my favorite books Tao Te Ching: “The further you go, the less you know.”

A humbling view from one of my trail runs through Cronan Ranch. The view left us in pure awe.

15. Running is serenity soothing the mind, soul, and body. When calmness turns into serenity during my runs, I experience an exhilaration similar to being on the peak of the tallest mountain. My poem about serenity that I wrote after one of my runs can also attest to this indelible feeling:

Serenity

“The crowns and branches of the trees

dip themselves in a pool

of serenity.”

The flowers at the edge of the river brought peace and serenity to my run at the beginning of spring this year.

16. And last, but not least, running is my meditation in motion. With every stride, I feel the pulse of the earth underneath my feet. I meditate on the mundane, the nature around me in correlation with God’s amazing grace, life and death. When I meditate and run, I am in sync with the world around me and feel so ALIVE. Running is LIFE.

The blooming trees in spring offer the perfect backdrop for my meditation in motion.

 

With all the lessons learned in 2016, I feel that I am barely scratching the surface of life and that the further I go with my running, work, being a mom, wife, professional, writer, friend, the less I know. I ran 1,649 miles in 2016 and looking forward to running even more in 2017. Namaste! Happy 2017 filled with wonder and many spiritual wanderings.

For more info on running and real estate, whether buying or selling, please e-mail me at carmenmicsa@yahoo.com, or call me at 916-342-2446. Running for real estate with joy!