Michelle Brignoni's Discussions

Free Museum Days Around Los Angeles--------------------------------------------------------------------------------Who said taking the family out had to be costly? Here's a free list from our family to yours. See you at the Museum!Always FreeCalifornia Science Center, Exposition Park, Downtown Los AngelesUCLA Fowler Museum of Cultural History, Los AngelesThe Getty Center, Brentwood, Los AngelesThe Getty Villa, Pacific PalisadesMuseum of Television and Radio, Beverly HillsTravel Town Train Museum, Griffith ParkWeekly Free Museum DaysFree Every ThursdayMuseum of Contemporary Art (MOCA), Downtown Los Angeles - Free every ThursdayMOCA Geffen Contemporary, Downtown Los Angeles - Free every ThursdayUCLA Hammer Museum - every ThursdayMonthly Free Museum DaysGeorge C. Page Museum at the La Brea Tar Pits, Los Angeles - Free the first Tuesday of the monthNatural History Museum, Exposition Park, Downtown Los Angeles - Free the first Tuesday of the monthHuntington Library, Collections and Botanical Gardens, Pasadena - Free first Thursday of the monthNorton Simon Museum, Pasadena - 1st Fridays from 6 to 9 pmLos Angeles County Museum of Art (LACMA) - Mid-Wilshire, Museum Row, Los Angeles - 2nd Tuesday

It is sooooo simple to clean up graffiti in your neighborhood and you will notice that the more you make a report for clean up the less Graffiti.  This service is usually done within the next business day.  Simply follow this link and make your online request. http://www.lacity.org/bpw/ocs/grsr.htm See! That simple! The more you clean up your neighborhood, the more the value goes up! Happy cleaning!

Well next time you visit LA you will have some places to explore!

Thinking Ahead--------------------------------------------------------------------------------The headlines can be scary. The current housing crisis has put many Americans at risk of losing their homes and had a significant ripple effect on the economy as a whole. Unfortunately, some consumers received loans in the early part of this decade that they ultimately could not afford. In many instances, buyers selected an adjustable rate mortgage (ARM) with terms they could manage at the loan’s onset. But when the scheduled rate hikes set in a few years later, they found themselves too far in debt without enough income to meet their commitment.You can avoid the same fate by paying close attention to the conditions and terms of your own loan. Start with these four recommendations:1. Make sure that your loan officer is licensed in your state and in good standing.2. Understand the lending process. In addition to learning about buying and selling real estate, you should spend time educating yourself on lending. For instance, you should have a good understanding of your credit score and how it affects your ability to borrow money. If you have a poor score, but a lender is still willing to give you a mortgage, there will probably be consequences down the line.3. Study the rates and timetables. Many homeowners were caught off-guard when their monthly payments increased as part of their ARM schedule and structure. Make sure you will be able to afford the higher payments in the future if this is the loan product you choose.4. Understand what your monthly payment will include. You want to make sure expenses like taxes and insurance are tied into your monthly payment and are not additional costs.For more resources on this topic, visit the web site for your state government. The federal government offers information at http://www.usa.gov/Citizen/Topics/Family_Homes.shtml.