Why are legal documents in English?

The California Civil Code addresses the management of legal documents in the State
of California in Section 1632. This section of the law states, among other things, that if a business owner negotiates contracts, including rental or lease agreements in a language other than English, then the business owner is required to translate legal
documents into all other listed languages, which are Spanish, Chinese, Tagalog,
Vietnamese, and Korean. It is not only time consuming, but difficult to translate
accurately into many different languages.

It is for this reason that attorneys representing business owners, including
mobile home parks, recommend that all legal documents and negotiations be done in

When it is necessary for translation of the documents, the prospective resident or
current resident of a mobile home park, as an example, must provide their own interpreter
who must be 18 years of age or older.

Source: Insurance Information Institute.

Winterizing Your Mobile Home

When winterizing your mobile home, there are certain goals you want to achieve,
such as, eliminating cold air from coming in, preventing hot air from escaping and
preventing any water from leaking in. Here are few tips that will help prevent any these
from occurring.

Roof: A well-maintained roof can lower your energy bills and prevent costly water
damage. The edges and seams of a metal roof should be sealed every year. In most mobile homes, there is a cavity between the roof and the ceiling with only an inch
of fiberglass insulation running under the roof. Filling in this area will help properly
insulate your mobile home.

Skirting or Foundation Enclosure: Skirting helps to maintain a steady
temperature under the home, preventing pipes from freezing and other humidity
issues. Check the skirting, skirting vents, and entry places around your home, and
make sure it’s secure and undamaged. Replace individual panels if needed.

Plumbing: When setting out to winterize a mobile home, this should be one of the
biggest areas of concern for any mobile home owner. Mobile home plumbing is
prone to freezing over during the cold winter months, so if you live in an area that may pay attention to exposed pipes. One of the easiest methods to prevent water pipes from
freezing is heat tape. Heat tape contains a heating element encased in tape that is
wrapped around water pipes, it warms the pipes and prevents freezing. And, if you
are going to leave for an extended period of time, make sure you drain all water from the

Heating, Furnace: It’s very important to make sure your manufactured home furnace
operates safely and efficiently during winter weather. Most furnace manufacturers
recommend a professional inspection every year, and your utility company may
provide a free inspection. You should replacedisposable furnace filters regularly, and
wash, brush or vacuum permanent filters.

Source:   www.manufacturedhomelivingnews.com

New Year New Mobile Home Improvements

The new year is on its way, and it is time
to start making plans to renew and refresh.
Perhaps a mobile home makeover is in your
future? Your home is your safe space. This
is where we do most of our living. It’s where
we work, play, rest and spend time with our
families. This is why you want your home to
reflect who you are, and what you enjoy in life.

There are many different and affordable ways
to renovate a mobile home, but you have to
decide what you want. You can renovate the
inside, outside or both, or only small areas of
these spaces. Renovation can be as simple as                                                           freshening things up, or it can be an
overwhelming and stressful process.

There are a few areas of concern to keep in
mind when renovating a mobile home. First,
money will be an issue. Avoid disappointment
by making a budget and planning around
it. Doing things yourself can be a great way
to save money. Second, renovations can be
disruptive, some measure of stress is to be
expected. Third, depending on what you are
doing, consider how long it will take, some
renovations take a significant amount of time
to complete. Finally, renovations are usually
a long-term change, so take your time before
making any decisions.

If your renovations may include the need
to obtain a permit from the California
Department of Housing and Community
Development (HCD) and approval from the
owner of the mobile home park where you
live. Be sure to check with HCD and your
park owner. HCD provides considerable
information on line about permits: www.hcd.
ca.gov. Review your park rules and regulations
and lease agreement and meet with
the on-site manager or owner of your park to
obtain approval for improvements made to
your site or home.


Important New Year’s Resolutions

Every New Year we make resolutions that we sometimes keep and sometimes do not keep.  However, this New Year, the recent fires and flooding disasters in our State have reminded all home owners that it is very important to check their homeowners insurance.

Mobile home owners and manufactured home owners need to make sure that their insurance coverage covers REPLACEMENT cost of the home!  This cannot be stressed enough.  You may have paid only $20,000 for a double wide home, but in order to replace that home should it become totally damaged, it will cost more than double that or more.  Also, remember that you are renting the lot and should the home become damaged, the site will need to be cleared by the home owner and this is no small cost.

NOW is the time to make sure you have adequate homeowners insurance!

Remember – Recycling Has Rules!

We are all in to recycling, but not everything is recyclable.  Always check with your trash company to confirm what and how they recycle.  Some have different requirements.   Here are some general things you need to keep out of the recycling bin.

Coated Materials: Juice boxes, chip bags, frozen food boxes, and other materials that have a plastic, glossy or shiny coating are not recyclable.

Food-Stained Materials: Pizza boxes, used paper plates, napkins, paper towels, and jars with food residue should not be put in a recycling bin. While the materials themselves are recyclable, once they are contaminated with food they are useless.

Lids and Caps: While bottles can be recycled, the cap is made out of a different kind of plastic called polypropylene that has to be recycled separately. This goes for laundry-detergent caps and peanut-butter lids, too. Most plastics have numbers that determine where they should be recycled. No. 1 and No. 2 can usually be recycled with everything else. If it is No. 5 (polypropylene) or another number, it probably needs to be separated.

Plastic shopping bags: Plastic bags from the grocery store can be detrimental to recycling equipment because they wrap around the machinery and can shut down operation.

Shredded paper: A sheet of paper can be recycled five or six times. However, shredding paper destroys the fibers and makes it difficult to recycle. Brightly colored paper can be a bigger problem and ruin a whole batch of recycling paper.  Put out shredded paper in compost instead.

All medical waste: Needles, syringes, etc.

Plastic foam: Block Foam, air-filled packaging and packing peanuts

Source:  planetsave.com, ocregister.com

Celebrating the Holidays Around the World

Holiday traditions are as unique as the countries they are from.  Some rituals date back centuries, while other celebrations are only decades old.  To celebrate this time of coming together, here are a few holiday traditions from around the world:

Christians around the world celebrate the birth of Jesus on December 25th, and  Naples Italy is famous for it’s nativity scenes.  During this time, it is not uncommon to find the Christ Child’s crib in many Christian homes.

Rovaniemi, Finland is the “official home town” of Santa Claus.  Jolly old Saint Nick in his red suit, can be visited 365 days a year.  Children from around the world come to deliver their wish lists in person.

Jewish families around the world light candles on the eight nights of Hanukkah.  The festival is observed by lighting the candles of a candelabrum with nine branches, called a Hanukkah Menorah.   Hanukkah festivities include praying, playing dreidel and eating latkes.

In Croatia, s few days before the holiday, residents release thousands of paper lanterns carrying their Christmas hopes and wishes into the sky.

Christmastime in Russia swaps Santa Claus with a gift-giving character from Slavic folklore, Father Frost.  He’s rarely seen without his daughter, Snow Maiden, by his side.

Kwanza is a celebration that honors African heritage in African-American culture, and is observed from December 26 to January 1, culminating in a feast and gift giving.   Each day of Kwanza, marked by lighting a candle on the Kinara holder, represents one of the founding principles of the holiday, including unity, faith and purpose.

On January 6th, the Christian holiday of the Epiphany, children in Spain sometimes receive presents.  A parade celebrates the Three Kings and their visit to the Baby Jesus.

No matter how you celebrate the holiday season, ENJOY!!

Source:   www.businessinsider.com

Important Information For Mobile Homeowners FEMA (Federal Emergency Management Agency) May Not be there for the Uninsured

Everyone hears so much about FEMA coming to the aid of people who have lost their homes and belongings during a disaster, that they may be under the impression that they do not need homeowners’ insurance because FEMA will be there. Think again.

In the event of a natural disaster, it is important to understand that FEMA benefits are based around helping the insured, and survivors with homeowners’ insurance are the ones who may be eligible for FEMA assistance.   Insured homeowners and renters whose home or personal property sustain damage from a natural disaster, should first file a claim with their insurance company, and then register with FEMA.

Insured survivors may be eligible for assistance with losses and needs not covered, or those in excess of their policy coverage.   The programs offered by FEMA are intended to meet individual basic needs, and to help people get back on their feet.    FEMA is not a substitute for personal property and insurance coverage, and cannot pay for all losses caused by a disaster.

Another important reminder to mobile home owners. When insuring your home, be sure to insure it for replacement value and what it will cost to replace the home.   In addition, you will be responsible for cleaning debris off of your site and those costs could be significant.  Do not risk not having adequate homeowners insurance coverage.

Source:  www.fema.gov

Thankful Thanksgiving Wishes

Thanksgiving Day is a national holiday in
the United States, and Thanksgiving 2018
occurs on Thursday, November 22. In 1621,
the Plymouth colonists and Wampanoag
Indians shared an autumn harvest feast that
is acknowledged today as one of the first
Thanksgiving celebrations in the colonies.

For more than two centuries, days of thanksgiving
were celebrated by individual colonies
and states. It wasn’t until 1863, in the midst of
the Civil War, that President Abraham Lincoln
proclaimed a national Thanksgiving Day to
be held each November.

In many American households, the
Thanksgiving celebration has lost much of its
original religious significance; instead, it now
centers on cooking and sharing a bountiful
meal with family and friends.

Turkey, a Thanksgiving staple so ubiquitous
it has become all but synonymous with the
holiday, may or may not have been an offer
when the Pilgrims hosted the inaugural feast
in 1621. Today, however, nearly 90 percent of
Americans eat the bird—whether roasted,
baked or deep-fried—on Thanksgiving,
according to the National Turkey Federation.

Other traditional foods include stuffing,
mashed potatoes, cranberry sauce and
pumpkin pie. Volunteering is a common
Thanksgiving Day activity, and communities
often hold food drives and host free dinners
for the less fortunate. n


How to Avoid Common Scams Online

According to a report from the Federal Trade Commission (FTC), millennials are particularly more vulnerable to online scams than seniors, as shocking as it may seem. The research finds that “40 percent of adults age 20-29 who have reported fraud ended up losing money in a fraud case”. But when people aged 70+ had a loss, the median loss was much higher.

Email scam awareness

Email scams, also called phishing scams, are becoming increasingly common as fraudsters come up with new tricks to try and steal your personal information and bank details.  In some cases, the emails have malicious software attached which can infect your computer, tablet or mobile with a virus.

What is a phishing scam?

Phishing when a cybercriminal contacts you out of the blue and convinces you to hand over your personal information or money or gets you to download a virus that infects your computer. Phishing is a play on the word ‘fishing’ and usually happens over email, but can also happen through texts, social media or phone calls  Are you curious to know what are the most common ways to easily fall victim to a malware attack or phishing scams? It usually happens when you:

  • Shop online
  • Check your email addresses
  • Access your social media net

Here are five ways to avoid common scams:

  1. Delete Unsolicited Emails. One of the best ways to avoid email scams is to delete unsolicited emails. Legitimate companies will never send you pertinent information by email.
  2. Don’t Believe Promises of Money or Prizes. Any email or social networking link that promises free money or prizes should be dismissed, as these are almost always scams.
  3. Never Disclose Sensitive Personal Information. Any person who sends you an email asking for sensitive information, such as your bank account number or Social Security number, is up to no good. No matter what they promise you, mark the email as spam and move on.
  4. Filter Spam. Many email programs have the spam blocking or junk mail filter, if you are using online email services like Gmail, Hotmail or Yahoo be sure these features are active; also, you will reduce the amount of undesirables messages in your Inbox.
  5. Hover Before You Click. Whenever you receive an unsolicited email asking you to “click here,” beware – even if it sounds like a legitimate company. The same goes for social networking links that take you to what appear to be login pages. These may be, in fact, sites designed to steal your information.

Stolen, leaked or compromised passwords

The latest version of a worrying scam is using details from one of the recent pastes of stolen information. They are inserting your name and a password that is associated with your email address from a hacked site into the email.

Enter your email address on www.haveibeenpwned.com and see where your info had been stolen from. Then make sure you change the password (s) on any site listed and any other site where you have used the same password.

Never, EVER use the same password on different sites. Always use a different password for each site you log in to. Don’t use simple passwords, like your name, your husband’s/wife’s, your boyfriend’s/girlfriend’s, your dog’s or cat’s name. Always use a strong password with a mixture of letters and numbers and different characters. Something like jenny, Rover, 12345, 54321, password, login or similar words are absolutely useless. You need something like TsfE£%9& to stop them being guessed.  It is strongly recommended to use services like 1Password or LastPass to keep and create safe secure passwords.

Source: https://www.moneycrashers.com/common-email-internet-scams/

Federal Trade Commission

Living in an Old Mobile Home? Why not Buy a New Manufactured Home?

So many of the homes in mobile home parks date back to when the parks were built in the 1960’s and 1970’s. It may be time to consider replacing your older mobile home with a new modern manufactured home. New manufactured homes are better built and offer many cost saving features such as modern appliances, installation, better windows and much more. And, the best news of all is that there are a wide range of models, manufacturers and price ranges to choose from.

To learn more about modern manufactured homes visit the California Manufactured Housing Institute’s website at www.cmhi.org or call CMHI at (951) 683-4053.

You may also want to contact a knowledgeable and experienced manufactured home dealer such as Manufactured Housing Educational Trust member Advantage Homes. Visit the Advantage Homes website at www.advntagehomes.com for more information.