Did You Know…

…That local hospitals provide free educational programs? The topics covered in these programs include maternity, parenthood, cancer support, personal wellness and health, and many more. Most of these classes require registration beforehand by phone or via their website, and they also offer classes that are more than informational, thus require you to pay a fee upon registering. And depending on the hospital, there are even programs that are offered in Spanish.

If you are interested in attending a free program, make sure to call your local hospital or visit their website to see what type of classes are offered. Below are links to a few hospitals in the MHET area.

Orange County:

http://www.mission4health.com/Patients-Visitors/For-Patients/Classes-Events.aspx

Riverside County:

https://riversidecommunityhospital.secure.ehc.com/calendar/index.dot

San Bernardino County:

http://www.dignityhealth.org/san-bernardino/classes-and-events

Rain Weather Means Roof and Gutter Repairs!

detail_1104_cnx_coolroofIt is important to make sure your roof and rain gutters are in good repair before rainy season arrives!  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:

  1. Check the weather
  2. Inspect the roof
  3. Clean the roof
  4. Make repairs
  5. Rinse and check for puddling
  6. Coat seams
  7. Coat the roof

Thank you to Foremost Insurance website for this valuable information. Be sure to click on the link below to read the detailed information.

Resource: http://www.foremost.com/mygreathome/mobile-home-repair/exterior/coating-your-roof.asp

Image Credit: http://www.askgeorgeparks.com/orange-county-roof-tips/wp-content/uploads/2014/01/detail_1104_cnx_coolroof.jpg

FAST FOOD Could Equal BIG EXPENSE

Better Ways to Spend Your Lunch and Dinner Money

Do you know how much money you spend on eating out every year? Let’s say that you eat out twice a week for lunch, and each meal is about $10. You would be spending about $1,000 a year on buying lunch. What if you also ate out for dinner twice a week, and each meal was about $15? You would be spending about $1,500 a year for buying dinner, and would be spending a total of $2,500 on eating out annually. And, those $3 cups of coffee each day?! Let’s say just three times a week, which adds another $468 a year for a total of $2,968! And the numbers would definitely be a lot higher if you are paying for your significant other or your family members or if you choose more expensive restaurants every once in a while.

There are many benefits of making lunch and dinner yourself, and one of the most obvious reasons is that you would be saving a lot of money in the long-run. If you are able to cut back on eating out, there are a few different ways you can spend that money so that it benefits you.

  • Start an emergency fund — Having an emergency fund can help you in many situations. You can use it when you or your loved ones have health problems, when there is a natural disaster, or when you are faced with car repairs, as a few examples. Having an emergency fund can put your mind at ease when you face unexpected situations.
  • Pay your bills — Millions of Americans have outstanding bills or debt to pay. Think about your loans, credit card bills, mortgage, hospital bills, or utility bills. Although the money you save from eating in may not be enough to pay off all your bills and debt, it does help to pay a little bit more every month.
  • Put it in your retirement fund — If you have not retired yet, you should be contributing some money in your retirement fund. You can put a few dollars more into your account each month and watch it grow.
  • Invest it – There are many ways to invest your money. A child’s education is one alternative investment. Perhaps the money you save from eating out can go towards paying for your child or your grandchild’s education, such as tutoring or summer school.
  • Save for a Special Vacation — Perhaps you are doing well on having funds or paying bills. Another option is to save for an extra special vacation.
  • Save for Next Holiday Gift Giving – Make next holiday a little easier on the budget by saving now.

Reference: http://www.businessnewsdaily.com/5185-the-cost-of-lunch-adding-up-for-most-employees.html

Selling or Moving Your Mobile Home

Have you ever considered selling, or even moving a mobile home?  The following are some important facts you need to know.

What rights do I have to sell my mobile home in the park?

Despite the “mobile” connotation, once installed in a park most mobile homes are not moved but are resold in the place of the park. Mobile homes can be expensive to move, but sometimes that alternative is a consideration if the rent in the new location is significantly lower than the current location or you are moving your home to a lot you own.  The use of a private parcel for relocation of a mobile home from a park is subject to local laws.

The resale of a mobile home in the park involves management’s approval.  The Civil Code regulates home sales as follows:

  • The park management can require notice that you are selling your home in the park but they cannot require you to sell it to them unless you have signed a legal document that states differently.
  • The park management cannot charge you or your agent a fee as a condition of the sale of your mobile home in the park unless you give them written authorization to perform a service in the sale.
  • The park management cannot require the selling owner or owner’s heir to use the management or a dealer or broker approved by the management as an agent in the sale, and the management cannot show or list the home for sale without first obtaining your written authorization.
  • The park management cannot require you to remove your mobile home from the park upon sale to another party, unless the home:
    1. Does not meet minimum health, safety and construction codes standards; or
    2. Is in significantly run-down condition and disrepair, as reasonably determined by the management; or
    3. Is not a mobile home or manufactured home (i.e. smaller than 8 x 40 feet in size).
  • The homeowner has the right to put up a ‘for sale’ sign in the window or side of the home, or the yard facing the street on A or H type frame if it does not extend into the street. The sign face cannot exceed 24 x 36 inches in size and may include the name, address and phone numbers of the owner or agent. Information tubes for leaflets about the home for sale may be attached to the sign or the home.
  • The park management has the right to approve the buyer of your home if it remains in the park. The management must inform you and the buyer in writing within 15 business days whether they accept or reject your buyer for residency. The management may only reject the buyer for two reasons:
    1. Buyer’s inability to pay the rent and charges of the park – usually based on an income-to-rent ratio and the buyer’s credit history; or
    2. Buyer’s inability to comply with the park’s rules and regulations – usually based on past rental history or conduct in other mobile home parks or apartments.
  • Mobile home owners and their sales agents must provide their buyers with a mobile home resale or transfer disclosure statement (TDs) on used mobile homes that lists the home’s features, defects, and code violations, if any. The park management must also provide buyers of homes in the park with a park disclosure check-off form indicating any problems with specified park facilities before they sign a rental agreement to move into the park.
  • Every mobile home sold or resold on or after January 1, 2009 must have a smoke alarm installed in every sleeping room.

Resource: What Every Mobile Home Owner Should Know, published by the Senate Select Committee on Manufactured Home Communities.

 

Worries of Eviction as a Mobile Home Owner

As a mobile home owner, are you familiar with the rules and regulations that you need to comply? The following are some important facts you need to know, taken from the pamphlet What Every Mobile Home Owner Should Know, published by the Senate Select Committee on Manufactured Home Communities.

Eviction – As a homeowner, can I be evicted from the park?

Yes. The park management may evict you if:

  • You have received notice by a government agency that you are violating a local ordinance or state law and have not complied with the law within a reasonable period of time.
  • Your conduct in the park constitutes a substantial annoyance to other residents or homeowners.
  • You don’t pay the rent, utilities or reasonable charges within five days of the due date. IF you are late in paying the rent, you will be notified that you have three days to pay or vacate the tenancy. Full payment within three days puts you back in good standing, unless you are late in paying the rent, utilities, or reasonable charges three times within a 12-month period.
  • You are convicted of specified crimes, such as prostitution or drug offenses, committed in the park.
  • You don’t comply with ‘reasonable’ park rules and regulations (management must attach them to your rental agreement when you move into the park). The management must give you a written notice that a rule has been violated, after which you have seven days to adhere to the rule before the management can issue you a termination notice. If you have violated a rule three or more times within a 12-month period, the management may issue you a termination notice without waiting seven days for you to correct the rule violation.
  • Your mobilehome park is condemned or is closed for conversion to another use.

Unlike most apartment tenancies, however, the park management must give homeowners a 60-day notice of termination and can evict you only for these specified (just cause) reasons. Upon a termination notice, the park not only may terminate your tenancy but also require you to remove your home from the park by the end of the 60-day period. During this 60-day period, you also have the right to try to resell your home in place in the park.

In the termination notice, the management must specify why you are being evicted and include such facts as the date, place and circumstances concerning the reasons for the termination. If you stay in the park beyond the time allowed in the notice, the park management must file an action in court to evict you, known as an ‘unlawful detainer.’ In order to preserve your right to defend yourself in an unlawful detainer action, you must follow certain procedural requirements, including the filing of specified documents within a short time frame, usually five days. Most defendants in unlawful detainer actions are best advised to obtain legal representation so they can properly comply with these requirements. If you lose, the court may order your eviction carried out by a peace officer in a matter of weeks and you will probably lose your home if you cannot sell it or move it from the park. If you are actually evicted, the park management will file a warehouseman’s lien on the home, or through an abandonment proceeding, conduct an auction, and eventually gain title to it.

Resource: What Every Mobile Home Owner Should Know, published by the Senate Select Committee on Manufactured Home Communities

How to Make 2017 the Best Year Ever

As we welcome the new year, many of us wish to make it the best year ever. But how can we have a great year without putting some effort into it? There is one thing that we all can do — that many of us haven’t done in a long while — that will improve the quality of your life and the life of others around you.

It’s volunteering.

Let’s be honest. Volunteering sounds like a lot of work, especially for those who have full-time job.  But for those who are retired, it turns into a tremendous blessing. With any lifestyle you may have, consider the following benefits and values of volunteering:

  • The feeling of accomplishment: Giving up your time to do something for others can make you feel wonderful. Knowing that you chose to help others instead of sleeping in on the weekends will make you feel accomplished and productive. Helping kids with their homework at the local libraries or in your mobile home park club house instead of spending time watching television shows will make you feel like you make a difference.
  • Meet new people, make new connections: In any place that you volunteer, you will definitely meet new people. Depending on the type of the organization, you can even make new friends and new connections. Volunteering in your mobile home community will help expend your friendships. Talk with your park manager about starting a home work club and tutoring for children in your park, or ask about residents who are unable to get out much. Stopping by for a visit would mean a lot to them.
  • Learn something new: A great thing about volunteering with non-profit community organizations is that you can choose an organization that interests you, or you can choose one that is completely different and challenge yourself to something new. And through volunteering you can acquire new skills, new ideas, new hobby, or even a new perspective.
  • Get a new perspective: As long as you keep an open mind while volunteering, you will definitely gain some new perspectives. You will be humbled by your experiences of helping others. Perhaps you will realize how much you have rather than how much you don’t have.
  • Help save a life: There are many places that you can volunteer to help save a life other than hospitals. You can volunteer at a youth center or local Boys and Girls clubs to inspire young minds to stay above the influence and to stay in school. You can also volunteer at your local animal shelter to help improve the quality of life of the animals until they are adopted.

These are only some of the values and benefits of volunteering. But you can make your 2017 the best year ever if you can spare some time to volunteer. Many organizations are very flexible and will coordinate with your schedule so that you can make a difference. You can search for volunteer opportunities by reading your local newspaper or visiting your city website.  If you are a senior, contact your local Office on Aging.

If you live in Orange, Riverside, or San Bernardino Counties, you can use the links below to your county’s Office on Aging website.

Orange County: http://officeonaging.ocgov.com/opportunities/volunteer

Riverside County: http://www.rcaging.org/programs_services#vol

San Bernardino County: https://hss.sbcounty.gov/daas/ 

New Year New Tax Rate

Are you up-to-date with the new California tax rate? Sales tax rates have been decreased by 0.25%. Use the link below to find the new sales tax rate by city.

http://www.boe.ca.gov/app/rates.aspx

Keep in mind that if you are returning an item that you purchased before January 1st, the store must provide you the refund of the old tax rate. However, if you purchased something before January 1st but you receive it after the New Year, you are still charged the rate used at the time of purchase.

An article published by the Golden State News states the following:

“A retailer who continues to charge and collect the higher statewide sales and use tax after January 1, 2017, must either refund the excess tax collected to their customer or pay the excess tax to the Board of Equalization (BOE). If the excess tax collected has been paid to the BOE, the retailer may request a refund on behalf of their customer by completing form BOE-101, Claim for Refund or Credit.”

Remember that sales tax rates differ by cities and counties, so make sure you look up your area using the California State Board of Equalization website!

Resources:

http://www.boe.ca.gov/app/rates.aspx

https://goldenstatenews.com/2017/01/03/a-tax-in-california-has-actually-been-lowered/

Welcome in a Healthy 2017!

What could be a worse way to start the New Year than to be sick? Flu viruses seem to make their way into millions of people starting as early as October, and they can ruin our most precious holiday seasons. Regardless of your immunity, there are 4 simple steps to follow to stay flu-free during the start of the new year.

  1. Get the flu shot. Flu vaccines are a sure way to protect you from catching the seasonal virus. What’s convenient about getting flu shots is that you don’t have to have health insurance or visit your physician’s office to get one. You can stop by at your local pharmacy, or you can even get one for free! There are a lot of cities that provide free flu shot events, and even college campuses provide them for their students. Make sure you do some research to see where you can get a flu shot for free!
  1. Dry your hands. We all know that it is crucial to wash your hands, especially after touching millions of germs outside. But what you may not know yet is that it is equally important to dry your hands after washing them. Even though you wash your hands thoroughly with soap, damp hands can easily spread germs to and from the surfaces you touch.
  1. Don’t touch your face. When you touch a surface that many other people touch, such as shopping carts, doorknobs and ATMs, then touch your eyes, nose and mouth, you are creating an easy route for the virus and germs to enter into your body. And, take advantage of stores that provide disinfectant towels to wipe down shopping carts.
  1. Stay away from sick people. Those who are infected by the flu virus are contagious for up to one week. If you are unfortunately sick this New Year, take a sick day from work! The last thing you want to do is be the spreader of virus. If someone at work or school is suffering from flu-like symptoms, keep your distance and be sure to have bottles of hand sanitizers around!  It would not hurt to drop subtle (or not so subtle!) hints to let them know that they’re infected because the rest of the office doesn’t want to get sick, too!  And if you’re meeting any sick family members, kindly give them an air-hug and blow them a kiss. Avoid touching someone who is sick.

There are many other things that you can do to avoid getting sick — and you should do them. Because why would you risk getting sick for the start of the New Year?

Reference: Boost Your Flu IQ: Need-to-Know Info That Will Keep You Protected This Season by Catherine Winters

http://parade.com/508234/catherinewinters/boost-your-flu-iq-need-to-know-info-that-will-keep-you-protected-this-season/

Mobile Home Resident Law 2017

The new 2017 “Civil Codes” or the MRL, as the codes are often referred to, will go into effect January 1, 2017.  Copies will be distributed to park residents by the park management by February 1, 2017.  To get a digital copy of 2017 Mobilehome Residency Law please visit:
http://mobilehomes.senate.ca.gov/publications.

There were not too many changes this year, but it is always good to be familiar with the State laws that govern the community in which you live.

Questions about the Mobilehome Residency Law may be asked of the California Mobilehome Ombudsman at (800) 952-5275.

Home for the Holidays

happyholidaysAs we embark upon another busy holiday season anticipating spending special times with family and friends it is also a time to reflect upon our many blessings.  Living in a close- knit manufactured housing community with neighbors and friends next door is one of life’s best blessings.  The mobile home park lifestyle is a wonderful choice for seniors and families alike.  Homes on smaller lots require less time to upkeep and allow more time for travel, hobbies, and time to spend with children and grandchildren.  Perhaps you will host family members in your home this holiday or perhaps you will travel to spend time with loved ones.  Maybe your community is having special holiday celebrations in the clubhouse.  Whatever your plans, you are wished a most joyful season.