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Not Your Average Sandwich

Shima 0 comments 21.09.2015

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Today’s #MCM title belongs to the South Bay’s latest hype: BreadCrumbs sandwiches, created by local residents of the South Bay.

One of your first meals in grade school was probably a peanut butter and jelly sandwich and no matter how much older you’ve become, you still crave them. There’s something unusually satisfying and comforting about a sandwich. For some, it brings them closer to home and for others, it’s the simplicity behind it.

Sandwiches have become a household staple that no matter the time or day, sound good. In an age where restaurants are constantly competing to stand out with unique flavors, outrageous presentations, and flames coming out from the plate- there remains a universal craving of sandwiches. Even the simplest made sandwiches combining a whirl of ingredients, sandwiches satisfy cravings with just one bite.

Sometimes having “just a sandwich” is what makes it so darn good, but BreadCrumbs isn’t JUSTa sandwich. That’s right- the sandwiches stand out from others because:

1.It isn’t a franchise

&

2. The sandwiches are made with the finest ingredients.

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According to the creators behind BreadCrumbs Gourmet Sandwiches, “You are getting the best proteins, healthiest veggies and the right carbs to ensure you have the energy to physically and mentally keep yourself sharp and energized, all while enjoying our amazing sandwiches in the process. BreadCrumbs gourmet sandwiches are the highest quality sandwiches on the market. Every detail of our sandwiches has been well thought out for not only the taste, but the nutritional value for our customers. We spent over a year searching for the perfect bread for our sandwiches, choosing Non-GMO breads for its texture, smell and taste. Our meats are gluten free resulting in only the best from Boars Head. Our sauces are house-made and our vegetables are fresh and locally sourced. BreadCrumbs gourmet sandwiches are simply the best.”

The creators, Keivan and Garrett are both residents of the South Bay. Keivan worked many years in the restaurant industry and when finally realizing his passion was to provide gourmet sandwiches to locals, he presented the idea of a partnership with his buddy, Garrett. Immediately, Garrett was sold on the idea, trusting Keivan’s work ethic and experience in the food & beverage industry. Their foundation was simple: A business that provides delicious gourmet sandwiches to the community while giving back as much as it got from it.

BreadCrumbs is built on Quality and Service. The quality of business ranges from the cleanliness of the facility to how each sandwich is made and delivered. The sandwiches are rivaled by none as the best breads and proteins, local veggies and sauces are uniquely chosen and produced.

Keivan and Garrett agreed that simplicity is a great quality and goes a long way. In result, they’ve focused on enhancing the word simple by creating a fascinating experience with their meals.

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The community inspires them and their hopes are to celebrate sharing and displaying their food for all to enjoy. They host several events including the Farmer’s Market, sell sandwiches at international market, Seaside Market in, and provide after-hour sandwiches at Hermosa Beach bars. They believe in five core values including quality, service, community, employees, and trust. Their goal is that in everything they do, these ethics are seen from the way the meat is cut to the warm smile they give customers.

To learn more about BreadCrumbs, please visit their website here.

Stop by and visit the crew every:

Tuesday: Torrance Farmer’s Market

Wednesdays: Hermosa Pier,  11-4 p.m.

Fridays: Hermosa, 11th Street: 11-4 p.m.

Sunday: Palos Verdes Farmer’s Market

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One Man’s Trash is Another’s Treasure

Shima 0 comments 16.09.2015

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Today’s #WCW is South Bay resident, Christen Webb.

Webb  created a private, Facebook group called “South Bay Trash And Treasure Resale & Bargain Hunters.” The group was designed to serve as a virtual yard sale for bargain hunters which Webb describes as, “A spin off of Craigslist, Ebay, Etsy, Threadflip, and flea markets.”

Webb is a wife and mother who hates to pay full price for items sold in stores that she can find elsewhere. After years of selling her items on Ebay or Craigslist and spending lots of hours running around flea markets and garage sales, she decided that with all the groups on Facebook, she had nothing to lose.

She wanted to venture out and do something new with her own rules and guidelines.  So, she created a group where locals can buy and sell their belongings. Her goal is to save the community time and money finding items they need and to help reconnect society.

One can simply join the group by searching for the group’s name in the search engine by typing, “Torrance Trash and Treasure.”  Once found, you can simply click JOIN group and Webb will approve those residing in the south bay cities.

If multiple people are interested in the item, it is preferred that that seller starts at the top of the list and works their way down the line of comments out of fairness. If for some reason you would not like to sell to a particular person, Webb asks that you block them in your settings. Any type or bulling or unfairness should be reported to Webb as she wants this site to be about coming together and helping each other out, not creating enemies.

The page is not designed as a bidding game, rather first-come, first- served. The seller creates a set price and once someone is interested in the item, it is up to the buyer and seller to set up a pick-up time. It depends on people’s schedule and availability for pick-ups. If schedules do not coincide, then seller can move on to next person, but it is preferred it be agreed upon between buyer and seller.

The Facebook page is a Public Group and anyone can search through it. You will need approval, however, in order to see the newsfeed with the community information. Any member can add or approve members to the group.

Webb believes that, “One person’s trash is another person’s treasure. Something that my neighbor would throw out and think nothing of I could find great use for. Why are we just dumping are old used items in the trash or leaving them on the curbside when someone else, or friends could be in need of it. The great thing about the group is that anytime one of your friends post something you get notified, leaving your friends with first dibs if they respond with interested in a timely manner.”

Webb also would like the pages newsfeed to be for free items, curb alerts, coupons that you won’t be using and anything that may help another person. Webb explains, “Just remember it is for us to all come together as a community and maybe even make a few new friends.”

In addition, Webb hopes that it will be a community board for fundraisers, local events, small businesses and bargain shopping.

Besides the exclusivity of the group, there are some fun terms one should know when joining the group.

Such as:

Interested: If you like what someone is selling comment with interested.

Possibly Interested: if you aren’t sure and need a few hours to think about it.

Sold: When items sells comment with sold

PPU: Possible Pick Up once a pick up time is arranged.

Skip: If you were interested, but then changed your mind and seller can move to next person.

Bump: If your item(s) has not received an interested comment and you would like to have your post pushed to the top of the newsfeed you can comment with Bump.

Porch Pick Up: Seller can leave item on porch and give buyer instructions on where to leave $.

ISO: in search of, if u are in search of an item put ISO and then the item you are in search of and maybe someone in the group has one lying around they can sell you cheaper than a department store would.

You can find Webb’s page here.

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Trader Joe’s increases Home Appreciation

Shima 0 comments 14.09.2015

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If you needed another reason to love Trader Joe’s, this is it.

According to RealtyTrac, who ran an analysis of home values, appreciation, and property taxes within U.S. zip codes discovered that homeowners near a Trader Joe’s have experienced an increase in home value.

The study was determined by comparing the home values of owners living near a Trader Joe’s versus homeowners near a Whole Foods. There was an average 40 percent increase in home values of those near Trader Joe’s and only a 34 percent appreciation of those near a Whole Foods.

The homes used for the study were based on 1.7 million homes, condos and co-ops with at least one Whole Foods store nearby but no Trader Joe’s, and 2.3 million homes, condos and co-ops with at least one Trader Joe’s in the area but no Whole Foods.

Why might the home value increase for a neighborhood close to a Trader Joe’s? Well, here are some reminders why Trader Joe’s is admired according to Yahoo Food

-All Trader Joe’s products are made from non-GMO foods, and contain no high fructose corn syrup, trans fat, artificial colors or flavors

-The first Trader Joe’s opened by a man named Joe in 1967 in Pasadena, CA.

-If you don’t like something, you can return it.

-If you want to try something before you buy it, you can do that too.

-Trader Joe’s donates leftover food to food banks, pantries, and/or soup kitchens.

-They make cookie butter.

In addition, as reported by Fooducate,At Whole Foods Market, items are typically priced higher than similar products at Trader Joe’s.”

Although homeowners who live in a radius within a Trader Joe’s have experienced an increase in home value appreciation, it was also noted that they pay higher property taxes on average.

In conclusion, though living near a Whole Food’s or Trader Joe’s may not be considered as in depth as this study is when purchasing a home, I have one response: cookie butter.

That is all.

References contributing to this article include: Daily Breeze, RealtyTrac, Fooducate, and Yahoo Food.

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Benefits of a VA Loan

Shima 0 comments 17.08.2015

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According to the Veterans United Network, VA loans have helped more than 21 million service members become homeowners. VA loans have more flexibility than most loans, including no-down payment and the ability to be reused.

That’s right. As long as you pay off your loan each time, you are eligible to reuse it. However, VA loans are primarily used for residential income, so you cannot use it for investment properties or vacation homes.

A common misconception is that VA loans are issued by the VA.

False.

The VA instead, provides a guaranty on each qualified mortgage loan meaning that they’ve agreed to pay a portion of the loan in the event that you default.

Pooyan Fard, Sr. Loan Consultant has kindly written below more information on how a VA loan will benefit you if applicable.

You probably have heard of VA loans but in order to help you better understand the benefits, here is a brief overview for your reference:

 To help the Service Members, Veterans and eligible surviving spouses, with the loans,  the U.S. Department of Veteran Affairs (VA) guarantees their mortgage loans. VA loan may be issued only by qualified lenders.

Here are some more details:

VA requires certain amount of length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits and issue you a certificate of eligibility (COE). This certificate could be obtained directly from the VA official website or if you provide you DD2014 paperwork, your loan agent can get it for you.

Because VA loans are guaranteed by the VA there will be no need for mortgage insurance even if you put 0% down. There is a funding fee intended to enable the veteran who obtains a VA home loan to contribute toward the cost of this benefit, and thereby reduce the cost to taxpayers and it will be determined based on the down payment borrowers are planning to put down. The COE might specify that the Veteran is exempt from the funding fee and in such cases VA loans can go up to $1,500,000 even with zero percent down!

Additionally, one should note that VA loans work for Single Family Homes, Site condos (Townhomes with no Common Walls) or VA approved Condos and it can be used for both purchase and refinance.

Please feel free to contact me in order to find out if you qualify for this great loan program.

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The House that Built Me

Shima 0 comments 14.08.2015

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Your home is made of more than just walls, concrete, and nails.

Your home is the place where birthdays will be spent, memories will be created, and life will be made.

Your child will discover who the tooth fairy is there, probably experience their first steps there,

and you’ll be there to catch them if they fall.

Your home is where the love is… and where they’ll always feel the safest.

That’s why a home isn’t just a home. It is where your heart is.

So, even though some things may be different like the leaves changing colors,

it’ll feel like it was just yesterday that you were knocking on your neighbor’s door saying,

“Trick o treat!”

As children, we dream of being grownups.

As parents, we pray our children stay small forever.

But even when we grow,

home will be where the heart is.

“The best journey takes you home…”

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Portuguese Bend Beach Club

Shima 0 comments 07.08.2015

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Portuguese Bend Club is one of Rancho Palos Verdes’ best kept secrets.  The exclusive club is hidden behind a private gated housing community in Rancho Palos Verdes. The community has a private beach club on Portuguese Bend Cove. The beach has imported sand, shaded picnic tables, sport courts, volleyball courts, and a playground for kids.

Near the south end of the beach, there are rocks and tide pools to explore at low tide. To the south of the club is Rancho Palos Verdes Beach and in the north direction  is the public beach called Portuguese Bend Cove Beach in Abalone Cove Reserve.

There is currently a  16 year waiting list at the exclusive and much sought after Portuguese Bend Beach Club. The club captures views of the Pacific Ocean and Catalina Island. While maintaining it’s peacefulness, the club has BBQs, paddle tennis and playground equipment, which  offers something for the entire family.11825061_857089791046242_1687701586413570849_n 11796386_857089931046228_7095067029504511653_n-460x193

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Mortgage Pre-Approval: Why A Pre-Approved Mortgage Makes Sense

Shima 0 comments 07.08.2015

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Today, CEO of Alliance West Financial, Kenneth Le is a guest blogger and shares below the importance of mortgage Pre-approvals. 

Mortgage pre-approval for real estate financing will put you in a much stronger position when you’re hunting for the home you want to live in. By having this important pile of paperwork out of the way you can be confident that sellers and realtors will take you seriously. They’ll see it as a signal that you’re prepared to negotiate in good faith. It’s a launch pad to owning your own home.

The Difference Between Qualified and Officially Qualified

When you’re shopping around for home financing you are likely to hear the termspre-qualifiedand pre-approved. The first term gives you a point of reference on how much you can borrow. However, pre-approval says that you’re certified to actually borrow the stated amount from that lender, in writing. Usually, a mortgage pre-approval is good for ninety days. The only thing left is to find a property that you like, and have an appraisal of its value and condition, to receive the go-ahead to fund your new home.

Once you have a letter of approval from one lender it doesn’t mean that you’re bound by their offer. You might still find alternative financing on better terms. What it shows is that you’ve demonstrated you’re really in a position to commit to the home buying process. In the minds of real estate professionals, pre-approval separates the serious buyers from the window shoppers.

Mortgage Pre-Approval Is Two Of Three Keys To Home Ownership

Lenders will be asking two specific questions when you apply for mortgage pre-approval: Are you likely to behave responsibly and do you have the financial capacity to make the payments? You’ll be judged by your behavior, as recorded on your three credit reports. This gives them a pretty good indication of how you’re likely to act over the long term. They’ll pay close attention to your payment history and how you’ve used or abused your borrowing opportunities in the past.

Lenders will then look for evidence that you have the financial capacity to take on the responsibility of a mortgage. They do this by analyzing your income and assets. They’ll be looking to see that you have a stable source of income and that you can meet your monthly obligations.

The Market Starts To Care When You Get Two Thirds Of the Way There

Pre-approval unlocks home financing in principle. To get the loan in practice your lender will have to give an additional approval for the property you intend to purchase, as it’ll be used as collateral to secure the loan. This stage is not part of mortgage pre-approval but it will need to be addressed before they agree to finally lend to you. The most important thing to remember is that you won’t lose a mortgage because you couldn’t get the house but, if you’re not pre-approved, you’re very likely to lose that house that you just fell in love with. Mortgage pre-approval is two thirds of the battle.

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Preparing your home for an Earthquake

Shima 0 comments 04.08.2015

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According to the U.S. Geological Survey, California is expected to have an earthquake with a magnitude of 8.0 or greater earthquake.  Although the earthquake is estimated to hit anywhere in the next three decades, the chances increased from 4.7% to 7%.

The Federal Emergency Management Agency has suggested several tips in preparing your home:

First, “Make your home safer to be in during earthquakes and more resistant to earthquake damage by assessing its structure and contents.” Based on the year built and the maintenance you’ve kept, your home may have more areas prone to damage than you think. Examples FEMA includes are “structures not anchored to their foundations or having weak crawl space walls, unbraced pier-and-post foundations, or unreinforced masonry walls or foundations.”

When seeking to purchase a new home, be sure to have your inspector seek for any weaknesses in your future home. Also, be sure that when building a home that it falls under the seismic provisions of your local building code.

Lastly, be sure to always have any hazardous items that are damage-prone higher or away from areas that could potentially harm you in the event of an earthquake. Always secure paintings and pictures with closed hooks and be sure that your plumber has installed flexible connectors on all gas appliances.

For more safety tips, please refer to FEMA’s website here.

Do you remember your first job?

Shima 0 comments 17.07.2015

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I remember my first job like it was yesterday. I was 16 and I wanted to gain some experience, yet have my own schedule. So, I decided to become an independent contractor and babysit children.
I first began babysitting Maddie and Matthew who quickly made me realize how much I loved children. Matthew used to always ask for apples dipped in honey and to this day, I remember him when I have some. I had such a great experience with them that I continued to babysit children for eight years after.

During my years as a Nanny, I worked with four different families and I gained lifelong lessons that have continued to help me every day. First, I learned the importance of building relationships with my clients. It was very important to me that parents knew that their children were safe with me and had completed all necessary duties such as finishing homework, eating dinner, and all- around, being a good role model for them.

I also learned the importance of valuing each family’s needs individually. Although I babysat two families with two sets of boys, they were completely different. This taught me the importance of accommodating to different needs and wants. For example, one family believed highly in structure while the other didn’t. I learned how to adjust my skills and qualities for each family differently. Above all, I learned most from the children I babysat. I learned that timing is of the essence and trusted it to build relationships with each one. The effort I gave was directly related to my results of being an excellent, reliable, and trustworthy Nanny.

Many realtors focus on closing deals quickly because they want their client to succeed in purchasing or selling their homes ASAP. Babysitting taught me the importance of completing task efficiently. That is, the work that’s needed is done precisely, yet at a quick rate. My goal is to make your home-buying or selling as smooth as possible. It is important to me that I not only find you your dream home, but I leave you with great memories in this process so when you look back, it will be a memorable journey.

“The best journey takes you home…”