Earthquakes have been shaking Southern Californian’s and their homes quite a bit over the last week. It is important to be prepared. Especially if you live in a mobile home, as stated on the American Red Cross website, “Mobile homes and homes not attached to their foundations are at particular risk during an earthquake.”
First you need to make sure your home is properly insured. Many
things can happen to your home because of an earthquake including damage
from fallen trees, fire and flooding from cracked pipes.
Next you must prepare a plan to keep you and your loved ones safe.
Choose a safe place in your home to ride out the earthquake far from any
windows or other objects that could fall on you. According to the
American Red Cross, “Doorways are no stronger than any other part of a
structure so don’t rely on them for protection! During an earthquake,
get under a sturdy piece of furniture and hold on. It will help shelter
you from falling objects that could injure you during an earthquake.”
Bolt down all larger items including bookcases and china cabinets.
Make sure you have an emergency kit with water, food and clothing.
Have a plan for after the earthquake stops. Know where you will go if there is damage to your home.
SACRAMENTO – Register Your Mobilehome California, a state program that provides waivers for past-due registration fees and taxes for mobilehomes and manufactured homes, has saved homeowners more than $1.5 million, collectively in third year of program run. Besides the savings in fees and taxes, homeowners who have taken advantage of the program will also see additional benefits.They are now properly positioned to legally sell or transfer their property, apply for fire and flood insurance, receive financial assistance and rebates from utility providers, and obtain permits for repairs and upgrades. The program, administered by the California Department of Housing and Community Development (HCD), allows people who acquired a mobilehome or manufactured home, but didn’t get the proper registration, to correct the issue and not have to pay back taxes and fees. “Register Your Mobilehome California gives owners the opportunity to avoid paying hundreds or even thousands of dollars in state and local taxes, fees, and penalties, giving them a more secure situation,” said HCD Director Ben Metcalf. “The program is scheduled to continue through the end of 2019, so please encourage your friends and family members who are mobilehome owners to apply before time runs out.” Mobilehome and manufactured home owners who have never applied for registration and don’t have title are eligible for the program. Under many circumstances, the owner never realized the mobilehome was supposed to have proper title and registration. Other owners may have wanted title but couldn’t afford the back state and local taxes and fees. For more information, visit http://registeryourmobilehomeca.org or call (800) 952-8356.Assistance is available in all languages. A Spanish-language version of the website, as well as other languages through Google Translate, can be accessed by clicking on the upper right corner of the homepage. The California Department of Housing and Community Development is dedicated to the preservation and expansion of safe and affordable housing, so more Californians have a place to call home. Our team works to ensure an adequate supply of housing for Californians and promotes the growth of strong communities through its leadership, policy and program development. For more information, please visit www.hcd.ca.gov.
Whether you are working or retired,
everyone needs sleep. Your mind and body
need to rest and recuperate from the day
before so that you can function well the next
day. But chances are, you have experienced
sleepless nights in your life from many
different reasons and factors.
If you have trouble sleeping, you could be
changing a few things in your daily habits so
that you can get better sleep. According to
W. Chris Winter, M.D., sleeping is a skill that
can be improved if you are not satisfied with
the quality of your sleep. Here are the most
common aspects of your life that could be
affecting your sleep every night, according to
an article written by Paula Spencer Scott:
Too Much Stress — You could be causing unnecessary stress and anxiety to yourself by thinking too much about things that happened that day or anticipating what will happen the next day. Try to accept the fact that instead of worrying, you can try to get a good night’s sleep and deal with your problems the next day.
Being Random — Your body will have a hard time keeping up if you don’t have a normal sleeping schedule. Instead of sleeping and waking up at different times every day, try to stick with a sleeping schedule that you’re comfortable with. The article states that adults need about seven to nine hours of sleep every night, and you probably already know if your body prefers more or less hours in that range. The key is to be consistent.
Not Comfortable Enough — How many years have you had your mattress or pillows? How about your sheets and blankets? What are you wearing to sleep? Maybe it’s time to explore how comfortable you are with your arrangements.
Pet Disturbance — Sometimes our beloved animal companions can be a little too disturbing at night. The author of the article reminds us that dogs have different sleeping cycles than humans, so they are likely to move around while you’re sleeping.
Too Much Light — You probably already turn off your lights when you go to sleep, but do you turn off all your technology? There could be light coming from the television, computer, phone, printer, etc., which can ultimately bother your sleep. In addition, close your blinds or curtains if you have strong moonlight coming through your window.
Overthinking — I’m sure we have all done this: thinking about not getting enough sleep. The article states that this is a problem that builds upon itself. Thinking too much about whether you will fall asleep or get enough hours adds to your stress and anxiety. Do yourself a favor and think pleasant thoughts, and remind yourself that simply resting in bed is beneficial to your body.
It is important to make sure your roof and rain gutters are in good repair before and after the rainy season. According to Foremost Insurance, if your mobile home has a metal roof it needs a new coating every 2 years and touch-ups after a storm. Their step-by-step guide teaches you to make repairs on your own roof so that you don’t have to hire a professional every 2 years. They list all the materials you need and present the following steps:
Check the weather
Inspect the roof
Clean the roof
Rinse and check for puddling
Coat the roof Be sure to visit this website to read the detailed information. www.Foremost.com
Currently there are more than 48 million items worth $9.3
billion of unclaimed property in California’s custody. The California
Controller, Betty Yee, is encouraging people to search the state’s online
database to see if any of the property belongs to them.
The unclaimed funds are a result of California Law
protecting consumers by requiring banks, insurance companies and other
businesses to transfer unclaimed property to the State Controller’s Office
after a period of no activity, which is around three years. The state then
becomes the guardian of abandoned savings and checking accounts, insurance
benefits, uncashed checks, wages, stocks, bonds, safe deposit box contents and
various gift cards.
To see if you have any unclaimed property, you can go to www.claimit.ca.gov.
People who find property on the website can submit claims at the site, or by
calling 1-800-992-4647. Anyone is able to search the entire unclaimed property
database, and see all individuals and organizations who have items protected by
It’s that time of year to start focusing on getting your home clean and organized – inside and outside. Whether you want to deep clean, declutter or organize, here are some quick and easy tips to help you accomplish your Spring Cleaning goals. Now is the time to make sure that your parking area and outside areas are in compliance with your communities rules and regulations. • Make a schedule: Evaluate your home and what areas need the most work. Focus on what you skip over during routine cleanings and what you have put off until another time in your outside carport and landscaped areas, and start there. Having a plan on what room and what outside storage and landscape areas to clean first will keep you focused on the task at hand. • De-clutter: Studies have shown that decluttering makes you more efficient and keeps you organized. A disorganized home, porch, storage sheds and carports adds to your stress level and can take a toll on your health. In some cases clutter becomes a trip hazard to you and your family and guests. You may be surprised at how refreshed you feel after eliminating clutter from your life – both inside and outside your home. • Always Work from Top to Bottom and Don’t Forget Walls and Windows: People always remember to clean their floors, but often forget about the walls and windows. Keep in mind, not all dust settles on the floor. When it comes to the windows, hot soapy water and a squeegee works great, and don’t forget to remove and wipe down the window screens outside. • Kitchen and Bathroom: Clean out the pantry and refrigerator (throwing out old items) and clean the appliances inside & out. In bathrooms be sure to throw away old toiletries and expired cosmetics.
In the United States, flu season occurs in the Fall and
Winter. Influenza viruses circulate
year-round, but most flu activity peaks between December and February, and can
last as late as May.
The Flu is a contagious respiratory illness caused by
influenza viruses that infect the nose, throat and lungs. It can cause mild to severe illness, and at
times can lead to death. The Center for
Disease Control (CDC) states that the best way to prevent the flu is to get the
flu vaccine, but is the vaccine right for you?
The CDC recommends that you should get a flu vaccine before
flu begins spreading in your community.
It takes about 2 weeks after vaccination for antibodies that protect
against flu to develop in the body. The
CDC also recommends that everyone 6 months of age and older should get a flu
vaccine. Vaccination to prevent
influenza is particularly important for people who are at high risk of serious
complication from influenza, such as children younger than 5, adults 65 and
older, and pregnant women.
As an added convenience, many drug stores and retail outlets
provide flu shots. It is easy to simply
get a flu shot during your shopping trip!
For more information regarding the flu vaccine, contact your physician.
It is hard to imagine a mobile home park or manufactured
housing community that does not have rules because in such a place there would
be dogs running around off leases, cars parked in fire lanes preventing
emergency vehicle access, signs posted everywhere, landscaping overtaking
neighbor’s home sites, loud music and parties would go throughout the day and
night, and on and on.
When you think a rule in your community is may not needed,
think again. There are very good reasons
for every rule and policy and the primary reason is to protect your quality of
life and that of your neighbors. It is
very important to be aware of your community rules and regulations and to
adhere to them. It makes life a whole
Supplemental Security Income (SSI) is a program administered
by Social Security that benefits people with limited income and resources who
are disabled, blind, or age 65 and older.
Blind or disabled children may also receive SSI.
To receive SSI you must reside in the United States, not be
absent from the country for 30 consecutive days or more, and be either a U.S.
citizen or national, or a qualified non-citizen.
Many people who are eligible for SSI may also be entitled to
Social Security Benefits. However, SSI
and Social Security differ. Social
Security benefits are paid to individuals who have worked long enough and paid
Social Security Taxes, where SSI benefits are not based on prior work. SSI is financed by general funds of the United
States Treasury, personal income taxes, corporate and other taxes, and Social
Security taxes do not fund the SSI program.
To qualify for SSI you must have limited income and few
assets. Effective January 2019, prior to
reaching full retirement age, you will be able to earn up to $17,640. After that, $1 will be deducted from your
payment for every $2 that exceeds the limit.
Social Security requires SSI recipients to have less than $2,000 in
assets for a single person, and less than $3,000 for a couple.
The maximum Federal amounts of SSI that can be received are
$771 per month for an eligible individual, and $1,157 per month for an eligible
couple. SSI benefits are paid on the
first of the month, and recipients can also receive medical assistance
(Medicaid) to pay for hospital stays, doctors bills, prescription drugs and
other health costs.
If you are interested in applying for SSI you can schedule
an appointment with a local Social Security office by calling 1-800-772-1213 or
file an application online at www.ssa.gov.
April 15th is fast approaching and everyone is searching for deductions that they can claim on their tax returns. California renters who meet income and other requirements, can apply for a Nonrefundable Renter’s Credit of $60 (if filing separately) or $120 (if filing jointly). Since mobile home owners rent their space they may qualify for the tax deduction.
The following must be met in order to qualify:
You were a California resident for the entire year.
Your California adjusted gross income is: $41,641 or less if your filing status is single or married filing separately. $83,282 or less if you are married filing jointly, head of household, or qualified widow(er).
You paid rent for at least half of the year for property in California that was your principal residence.
The property you rented was not exempt from California property tax
You did not live with another person for over half of the year (such as a parent) who claimed you as a dependent.
You were not a minor living with and under the care of a parent, foster parent, or legal guardian.
You or your spouse were not granted a homeowner’s property tax exemption during the tax year.
Other deductions you may also be able to claim include home office deductions, job hunting costs and charitable giving. If you have a home office that is used exclusively for business, you may be able to allocate a percentage of your rent, utilities, renter’s insurance and other expenses as a tax deduction. Remember, if you do have a home office, make sure you are complying with all of the rules of the mobile home community in which you live. If you looked for a new job, you may be able to get an income tax deduction for your job-search related costs such as the cost for resumes and postage, telephone charges and local travel for interviews. And last, if you donated your time or goods to a charity, you may be able to deduct the value of the items you donated, the miles you traveled and the expenses you paid on behalf of the charity.
Be sure to check with your tax advisor or tax preparer to see if you qualify for the Nonrefundable Renter’s Credit or other deductions. You may also contact the California Franchise Tax Board at 1-800-852-5711.