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Now that the end of 2022 is within sight, you may be wondering what’s going to happen in the housing market next year and what that may mean if you’re thinking about buying a home. Here’s a look at the latest expert insights on both mortgage rates and home prices so you can make your best mo…

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In January of 2000, an employee in the group I managed at the largest communications company in the world walked into my office with a very heavy heart. He said, “Do you know how much money I lost today?” You see that morning this company issued a preliminary earnings report to warn Wall Str…

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“The most despicable, deceptive campaign we’ve seen in a long time,” said Jon Coupal, President of the Howard Jarvis Taxpayers Association, about a mailer sent out by the proponents of Measure D in San Bernardino. “Moreover, the illegal use of the image of Howard Jarvis has resulted in two ‘…

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Well, here we are two days after the celebration of the beginning of the Reformation of the church. All Hallowed Eve and Halloween were celebrated on Monday, and yesterday we looked back at an action-packed weekend last week. Churches on Sunday, October 30 likely talked about All Hallowed Ev…

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Assemblymember Kevin McCarty (D-Sacramento) and Early Childhood Education supporters hosted a press conference and classroom tour to celebrate the start of Universal Transitional Kindergarten (UTK) in schools throughout the state.

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The tide may have turned on Proposition 30. A Berkeley IGS poll released last week now has support dropping below 50% after polling at 55% a few weeks ago. While the opposition to the measure is much less, at 37%, the gap has narrowed significantly. Two factors might explain this drop. First…

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If giving unemployment benefits to criminals sitting behind bars or fraudsters in foreign countries wasn’t enough to make your stomach turn, recently, we learned that California’s unemployment fraud initial estimate of $20 billion is closer to $32 billion and counting.

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Are we exalting ourselves? Or are we humbling ourselves?

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A young man was walking through the forest one day when he spotted a mountain lion. Instantly the man ran towards the nearest place where he could hide. The hungry lion followed in hot pursuit, and it was soon apparent the man wouldn’t make it. Terrified, the man did the only thing he could …

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Citizen tax revolts have been waged throughout American history. Indeed, the genesis of the United States was a dispute with Great Britain over taxes. The issue came to a head when colonists in Massachusetts dressed as Native Americans and dumped English tea into Boston Harbor. Literally, th…

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Proverbs 27:1 states, “Do not boast about tomorrow, for you do not know what a day may bring.”

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We have officially wrapped up the legislative session for 2022. On the final day‚ we debated and voted on bills until well past midnight. While I cannot cover all that happened in one newsletter‚ I will be sharing more in the coming weeks. For today‚ here are some of the highlights:

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If you’re thinking about buying a home, you likely have a lot of factors on your mind. You’re weighing your own needs against higher mortgage rates, today’s home prices, and more to try to decide if you want to jump into the market. While some buyers may wait things out, there’s a reason ser…

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Jesus told them this parable: "Suppose one of you has a hundred sheep and loses one of them. Does he not leave the ninety-nine in the open country and go after the lost sheep until he finds it? And when he finds it, he joyfully puts it on his shoulders and goes home. Then he calls his friend…

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It's tough to survive in California if you're poor. Green-energy schemes drive our electricity rates 80-percent above the national average. Gas prices make every trip to the gas station gut-wrenching. The median home price is above $800,000 and our state sales and income taxes are the highes…

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Whether you’re a potential homebuyer, seller, or both, you probably want to know: will home prices fall this year? Let’s break down what’s happening with home prices, where experts say they’re headed, and why this matters for your homeownership goals.

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Two-thirds of California voters consistently tell pollsters that they think Proposition 13 is a good thing, but even with more than 40 years of constant support, Proposition 13 is still attacked by people who are mad that it’s so effective at protecting taxpayers.

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A family sits together for dinner, a rarity in today’s society. Teenager Ruth said her friend had told her about Jesus saying, "Jesus is the way the truth and the life".

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As there’s more and more talk about the real estate market cooling off from the peak frenzy it saw during the pandemic, you may be questioning what that means for your plans to sell your house. If you’re thinking of making a move, you should know the market is still anything but normal.

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As there’s more and more talk about the real estate market cooling off from the peak frenzy it saw during the pandemic, you may be questioning what that means for your plans to sell your house. If you’re thinking of making a move, you should know the market is still anything but normal.

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We hate to pick on Attorney General Rob Bonta two weeks in a row, but he’s really given us no choice. Last week we chronicled his hypocrisy on data privacy by posturing as a champion on that issue while negligently allowing his Department of Justice to release sensitive information on Califo…

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Worry is the number one mental disorder in America. “The Mayo Clinic claims 80-85% of its total caseload is due directly to worry and anxiety. Many experts say that coping with stress is the #1 health priority of our day. One leading physician has stated that, in his opinion, 70% of all medi…

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According to a recent survey, more and more Americans are concerned about a possible recession. Those concerns were validated when the Federal Reserve met and confirmed they were strongly committed to bringing down inflation. And, in order to do so, they’d use their tools and influence to sl…

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Assemblylmember Kevin McCarty’s (D-Sacramento) gun violence prevention bill, keeping firearms and ammunition out of the hands of those who are prohibited from owning them, was signed by Governor Gavin Newsom, Tuesday morning. AB 2551 requires the Department of Justice (DOJ) to notify local l…

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Examples of hypocrisy in politics are common but in California they are legion. Take Governor Newsom for example. During the pandemic, he lectured Californians to stay home and wear masks while he dined unmasked at a fancy Napa Valley restaurant. And just last weekend, it was revealed that h…

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There was a program on British television about the state of religious experience among children. It told about a young boy whose parents suffered a very serious car accident. The boy told the police, "I wanted to pray but didn’t know any prayers." Alfred Lord Tennyson stated, "More things a…

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 Making retirement planning errors at any time, but especially when there’s economic uncertainty and market volatility, can create difficulties in achieving your long-term goals. Here are five common, and potentially costly, mistakes you’ll want to avoid.

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Here we go again. Another “study” purporting to reveal how unfair Proposition 13 is. But this time, the tax-hikers are using the progressives’ favorite catch-all justification: inequity and racism. Prop. 13 has been under constant assault for 42 years by people who want to raise property tax…

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This week we celebrate all that we love about America. Most years, there have been parades, fireworks, speeches, and family BBQ’s. Contestants squared up in the annual Hot Dog Eating contest, and veterans marched down Main Street reminding us of the cost of America’s Liberty.  This year … wh…

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 A recession does not equal a housing crisis. That’s the one thing that every homeowner today needs to know. Everywhere you look, experts are warning we could be heading toward a recession, and if true, an economic slowdown doesn’t mean homes will lose value.

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According to Wikipedia, The Christian holiday of Pentecost is celebrated on the 50th day (the seventh Sunday) from Easter Sunday. It commemorates the descent of the Holy Spirit upon the Apostles and other followers of Jesus Christ while they were in Jerusalem celebrating the Jewish Feast of …

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If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Mortgage rates directly impact the monthly payment you’ll have on …

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Once upon a time there was a very great man.  There was not one of his kind who was so good.  In fact, this man was perfect.  He spent his life teaching, loving, giving, doing all he could to make it better for the world.  In his brilliance and perfection, he influenced many to write down wh…

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Board of Equalization (BOE) Member Ted Gaines today characterized Governor Newsom's revised budget proposal as another lost opportunity to provide long-term economic relief to the millions of hardworking California families living paycheck to paycheck.

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Homeownership has become a major element in achieving the American Dream. A recent report from the National Association of Realtors (NAR) finds that over 86% of buyers agree homeownership is still the American Dream.

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During the past two years, Gov. Gavin Newsom’s administration has paid billions of dollars in secretive no-bid contracts with little to no transparency. Now Newsom is deploying his same secretive approach to a growing number of other public contracts. All Californians, irrespective of party …

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To all mothers wherever they may be this Sunday, happy Mother’s Day.  You know, as glamorous as Mother's Day is made to be by our society, being a mother is not so glamorous all the time.  In fact, the Mother’s Day celebration for many is often difficult for many women.  Many single women lo…

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Ever wonder why people get shorter as they get older?  One if the primary reasons is spinal disc dehydration.  There are 24 discs within the spine and with time, gravity and lack of proper motion they become dehydrated and consequently you get shorter.

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If you’re thinking of selling your house, it may be because you’ve heard prices are rising, listings are going fast, and sellers are getting multiple offers on their homes. But why are conditions so good for sellers today? And what can you expect when you move? To help answer both of those q…

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As a participant in capital politics for more than 30 years, I’ve observed many abuses of power. Corruption, pettiness, gross narcissism, and dirty tricks have all increased in recent years both in terms of frequency and shock value. The latest incident, and honestly one of the more disturbi…

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