Ok, all you smart cookies. Can u legally tie a giraffe to a telephone poll in Atlanta, Georgia? Or pawn your wooden leg in Delaware? Don’t be stumped. Get a leg up on all your friends by listening to this week’s segment of IS IT A LAW on our weekly public policy show, THE CITY SQUARE, brought to you by the Association of California Cities-OC and their sponsor Rutan and Tucker, Orange County’s largest law firm, on Orange County’s only community radio station, www.OCTalkRadio.net.
Is It A Law? Taken from today’s CITY SQUARE
Posted in Is It a Law? with tags OC, OC Talk Radio, Orange County Talk Radio, The City Square on May 11, 2016 by OC Talk RadioWhen is the best time to sell your home?
Posted in oc housing connection on May 11, 2016 by OC Talk RadioAfter we take our usual quick look at the real estate market and the macro trends affecting it (like lower job reports and worries out of China), our hosts Hamid and Fay Hamidanchy explore when the best times to sell your home nationwide and here in Orange County. And the results may surprise you. They also end this week’s installment of this week’s OC HOUSING CONNECTION with a quick review of “alternative ways to establish credit”, particularly for those aging baby boomer (like me) who’ve paid off their houses and/or ripped up their credit cards and restrained themselves from buying anything big…leaving them with suddenly little or no credit history in this last chapter of their life. Learn why too much frugalness may work against you and how to work around it if you still want to buy another home someday on credit (and invest the cash from your existing home for needed cash flow after you retire). Fascinating ideas from Orange County’s only community radio station, www.OCTalkRadio.net.
Adjustable Rate Mortgages (ARMS) are still around
Posted in oc housing connection on May 11, 2016 by OC Talk RadioIn a world of low, fixed rate mortgages, you wouldn’t think the old adjustable rate mortgages (ARMS) so popular in the 90s would still be around. But you’d be wrong! Today our hosts Hamid and Fay Hamidanchy discuss their past experience with these popular products, how, why and where they can still be found and who might benefit from using one. For example, most of us refinanced our homes somewhere before or after the “Great Recession” to take advantage of incredibly low, fixed rate loans. We did this to take the risk out of potential rises in our loan costs (particularly those of us that had risky “high cap” loans that could soar someday into double digits). But did we actually come out ahead? We removed the risk but may (in fact) may have paid MORE over the last few years for these fixed rate loans, particularly since the indexes on which they were based (like LIBOR) also remained so low. ARM yourself with some amazing facts about adjustable rate mortgages on this week’s installment of OC HOUSING CONNECTION and see how you fared here on Orange County’s only community radio station, www.OCTalkRadio.net.
OC Hosts Giant PET EXPO
Posted in OC Spotlight, Uncategorized on April 20, 2016 by OC Talk RadioDon’t miss the world’s largest PET EXPO at the OC FAIRGROUNDS this weekend (April 22-24). Last year, over 45,000 people attended this pet extravaganza and this year promises to be even bigger with a Reptile show and sale, dozens of dog and cat breeds and all day entertainment including Splash Dogs (the dog diving demo you’ve seen on TV), a K-9 dog demonstration, the weiner dog races, a big bird show and lots of other acts and entertainment. More than 300 Pet Organizations, Rescues and Retailers will be participating from ALL OVER Southern California and they hope to top last year’s animal rescue record where over 600 dogs and cats were adopted and found new homes. If you love pets, this is the place to be. Hear more on Orange County’s only community radio station, www.OCTalkRadio.net.
Disney on Ice Skates into Long Beach Arena
Posted in OC Spotlight, Uncategorized with tags disney on ice, OC Talk Radio, octalkradio on April 19, 2016 by OC Talk RadioDon’t miss the DISNEY ON ICE show that skates into Long Beach Arena this weekend starting Friday, April, 22 thru Sunday, April 24. Hear all about it here, on Orange County’s only community radio station, http://www.OCTalkRadio.net.
Mindy Rickles Talks2Cathy
Posted in Uncategorized on April 12, 2016 by OC Talk RadioWhat’s it like when you’re father’s a comedy icon, like Don Rickles? Or you fondest memories from youth are playing in front of the Sahara hotel in Vegas? Welcome to the world of Mindy Rickles, who talks to our host Cathy Katz about all that and more on this week’s edition of our relationship show TALK TO CATHY. Hear what it was like going to school with the kids of other famous stars, like Carol Burnett’s children and others. And how she resisted the siren song of comedy touring until a chance meeting with comedian Jeff Garlin (from Larry David’s CURB YOUR ENTHUSIASM and elsewhere) gave this stay at home mom the confidence and opportunity to get up on stage herself. How does she balance home and work and the pressures of following in her father’s big footsteps? Find out on this week’s edition of Talk to Cathy, only on Orange County’s only community radio station, http://www.OCTalkRadio.net.
Millennials and Boomers: 2 Halves of the Same Housing Problem
Posted in Uncategorized on April 11, 2016 by OC Talk RadioTo a certain degree, Millennials and their Baby Boomer parents are two halves of the same housing problem which includes high prices, short supplies and few first time homebuyers. For 20 somethings, it’s all about getting them INTO a home. And for Boomers, it’s all about getting them to move OUT of their home, or at least get the equity out of their homes (particularly when they need the money to supplement their sparse social security income). So today, our host Hamid Hamidanchy spends this week’s show examining each half of this interrelated housing problem.
Millennials are certainly deferring “family formation” much later than previous generations. And when they do finally start having children, will they still want the American dream of their own home w/a backyard for their kids and safe suburban neighborhoods to play in? For now, it’s anyone’s guess. That’s because they are NOT buying homes or even showing any interest in the process. Instead, they seem to prefer renting in more urbanized areas with close proximity to shopping, entertainment and work.
Some say it’s because they can’t afford to buy with the amount of student debt they carry and the unaffordably high prices of homes near the hi-tech, hi growth coastal communities where all the jobs are being spawned. So will OC become like SF and NY where high paid young workers abandon the idea of home ownership altogether and rent their whole lives instead? Or will they be forced to commute or move to new job growth centers in less exciting inland areas? For now, they’re flocking to urbanized areas and seem apathetic to having kids, cars or homes (given what their parents went thru in the Great Recession). For Millennials, it’s all about their lifestyle and the heck with equity and home ownership.
Boomers, on the other hand fought hard to buy their homes and they seem more determined than ever to stay put for as long as possible. Partly, this is due to lower tax rates locked in before their homes doubled or tripled in price. But mainly it’s because they plan to stay, work and live longer than any generation in history and that means they are NOT ready to quit and move to some retirement community to live out their lives playing golf like their parents did. Like their children, they are deferring moving to the next stage of life and this means fewer homes opening up on the market for their children to buy. And a tighter market means a higher priced market, which also acts to keep Millennials from moving in.
So what are the boomers to do? Particularly when they stop working? If the studies are right, they will have far less money saved than they’ll need if they live to be 100 and far fewer pensions to count on as well. So maybe they’ll stay in their homes and draw from the substantial equity they’ve acquired as housing has hit all time highs thru FHA approved programs like REVERSE MORTGAGES. Discover the rules put in place by the FHA to protect borrowers of these unusual new products including age limits (62) and the amount of equity you can tap (up to $625,000) And discover how these may be the answer for both ends of the spectrum…a way to keep Baby Boomers in their homes thru the end of their life and still leave a home and some equity to their children when they finally start their delayed family formation. Only on Orange County’s only community radio station, www.OCTalkRadio.net.
Is It a Law? From this week’s CITY SQUARE
Posted in Is It a Law?, Uncategorized on April 7, 2016 by OC Talk RadioCan you pop another person’s bubble gum bubble in Conway, AR? And can you walk your bear on the city street without a leash in Woodstock, NY. (Yes…THAT Woodstock). Sound silly? Wait until you hear the answers from our guests Chip Monaco and Tom Koutroulis from WASTE MANAGEMENT and Andy Trotter from WEST COAST ARBORISTS on the latest IS IT A LAW segment of our weekly public policy program, THE CITY SQUARE. Brought to you by The ASSOCIATION OF CALIFORNIA CITIES-OC and RUTAN AND TUCKER, OC’s largest law firm (and the sponsor for this segment). Only on Orange County’s only community radio station, www.OCTalkRadio.net.
The MUMMIES are here at Bowers Museum
Posted in OC Spotlight, Uncategorized with tags Bowers, Bowers Museum, Mummies, Mummies of the World, OC, OC Talk Radio, octalkradio on April 5, 2016 by OC Talk RadioIf you think you’ve heard strange noises in your neighborhood, know that the Mummies are here at Bowers Museum in Santa Ana. With over 1.4 million visitors experiencing Mummies of the World to date, the display at Bowers Museum will be the first time the exhibit has been to Orange County. As the largest exhibition of real mummies and related artifacts ever assembled, the exhibit provides a window into the lives of ancient people from every region of the world including Europe, South America and Ancient Egypt, Check out this week’s OC SPOTLIGHT as we talk with one of the exhibit’s “mummy specialists”, James Schanandore (who teaches at the University of Wisconisn-La Crosse) about what makes this exhibit so interesting and unique. And watch this space closely as we give away some VIP tix to this exhibit in the coming month!
Understanding VA Loans for Veterans
Posted in Uncategorized with tags OC, oc housing, oc housing connection, OC Talk Radio, Orange County on April 4, 2016 by OC Talk RadioEven those who’ve served in the military don’t always understand the great loans available to buy their home thru the Veteran’s Administration. Who qualifies? What are the advantages and benefits? And does it take any extra time to process? All these questions and more are answered this week by our hosts, Hamid and Fay Hamadanchy as they look at one of the least understood Federally guaranteed loan programs available to all our veterans on this week’s installment of the OC HOUSING CONNECTION, right here on Orange County’s only community radio station, http://www.OCTalkRadio.net.
OC TALK RADIO 