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cup-of-coffee-pour-crpd2.pngGood with Coffee...


Happy Fall...

The time is upon us to cover up the patio furniture and pull out the soup pot. More importantly time is rapidly approaching for us to vote.

vote.gifA smart voter is an informed voter. FactCheck is dedicated to verifying what politicians say and what they do.  Emails, newspaper ads, TV commercials or internet ads are often misleading at best. Verify politicians’ claims at Fact Check.  Then cast your vote on November 4th.  To find your voting place anywhere in the United States, click here.

"All people are born alike - except Republicans and Democrats." - Groucho Marx

We've launched a new section on our web site: Reverse Mortgages where people 62 years and older can learn about a new government loan.  They can use a reverse mortgage to tap the equity in their home while continuing to live there.  Or they can sell their present home and use part of their equity along with a reverse mortgage to buy another home or up to a four-plex as long as they live in one of the units.  This gives seniors more flexibility than ever before and now they never lose ownership of their home as this loan is insured by the federal government.  And, they can will it to whomever they desire.  Best of all there is no income or credit qualifying.  Yes, Virginia, there is a Santa Claus.

Everyone has been affected by the financial crisis, some more than others.  However, a little unnecessary expenditure I refuse to stop is for special treats for our Trick-or-Treaters.  We get upwards of 150 kids of all ages. Most are in lavish costumes and others not so lavish.  We're tickled to have them all.  The Trick-or-Treaters languish at our door pondering what they're going to pick.  Sometimes while they’re deciding the line of waiting kids stretches out to the street.  What's so special you ask?  We let the kids choose what they want from an array of full-size candy bars, bags of nuts, and special "in-candy" that kids love.  It’s amazing how much joy we get in the process of making their Trick or Treating memorable.  Our Halloween page is open now.  New this year is our candy poll.  Vote for your favorite.

If you have seen something you think others should know about or something amusing you would like share, please send it to me on the Contact Joanne form or in an email.  Remember, I love to hear from you!

Take care, be happy, and stay in touch,

Joanne
Your San Francisco Bay Area Real Estate Broker... and coffee lover.

cup-of-coffee-pour-crpd2.pngYou heard it here...


Possible New Energy Source ~ Thanks to Mr. Jim Knudsen

vertigro-1.png

The U.S. Department of Energy researched algae production from 1978 to 1996 until the Feds determined that algae oil could never compete economically with fossil fuels.  Considering the current price and demand for oil, times have certainly changed.

One company (from oil-based Texas) that is making big waves in this renewed fight is Valcent Products, Inc., who teamed up with Global Green Solutions to launch a joint venture called Vertigro Products, Inc.  According to Glen Kertz, President and CEO of Valcent, “algae is the ultimate in renewable energy.”  Instead of using ponds, like most energy research and development projects have used, Valcent uses a closed, high density vertical bioreactor system, growing the algae in long rows of moving plastic bags.

Watch the short video 

Vertigro web site

 


National Debt Clock ~ Thanks to Mr. Jim Knudsen

NEW YORK – In a sign of the times, the National Debt Clock in New York City has run out of digits to record the growing figure.

As a short-term fix, the digital dollar sign on the billboard-style clock near Times Square has been switched to a figure — the "1" in $10 trillion. It's marking the federal government's current debt at about $10.2 trillion.

The Durst Organization says it plans to update the sign next year by adding two digits. That will make it capable of tracking debt up to a quadrillion dollars.

The late Manhattan real estate developer Seymour Durst put the sign up in 1989 to call attention to what was then a $2.7 trillion debt.

national-debt-clock1.jpg


 


Free phones, etc. for the Hard of Hearing ~ Thanks to Mr. Richard DeBiaso

telephone-amplified.jpgThe California Telephone Access Program  (CTAP) distributes telecommunications equipment and services to individuals certified as having difficulty using the telephone. CTAP is a California State mandated program, under governance of the California Public Utilities Commission (CPUC). Equipment and some network services are available at no charge to eligible consumers.
 
Californians who are deaf, hard of hearing, speech disabled, blind, or who have low vision, cognitive impairments, or restricted mobility, are eligible to receive equipment with certification by a medical doctor, a licensed audiologist, a qualified state agency, or a hearing aid dispenser.
 
CTAP is funded by a small surcharge that appears on all telephone bills in California. The money collected from this surcharge pays for both the California Telephone Access Program (CTAP) and the California Relay Service (CRS). This surcharge appears on your phone bill as "CA Relay Service and Communications Devices Fund."
 
 


Gasoline monitor ~ Thanks to Mr. Martin Perches

gas-pump.jpg

How much is gasoline in your area?

The AAA Gas Price Finder derives pricing information from credit card transactions at more than 85,000 outlets around the country, as well as direct feeds from individual gas stations.

Results are based on gas prices supplied within last 7 days, but many are updated within the last 24 hours.

 


Green Tip: 

usb-pack-200.jpg

RECHARGEABLE BATTERIES PLUG INTO USB PORTS

Want an alternative to using disposable batteries, which leak toxic wastes into landfills and ground water?  USB Cell produces rechargeable AA batteries that do not require adapters or cables, but instead can be inserted into your laptop's USB port, or other USB port, and be recharged hundreds of times. 

For more information visit USB Cell or to look for green products at their online green store.

 

cup-of-coffee-pour-crpd2.pngA person of inspiration...


This time we are honoring the creativity and resourcefulness that I believe lies deep within all of us, waiting to be tapped, waiting to inspire us to do something monumental.  I hope this account ignites a flame in you.

Thanks to Ms. Florence Pierson for contributing this story.

Starting in 1941, an increasing number of British airmen found themselves as the involuntary guests of the Third Reich, and the authorities were casting-about for ways and means to facilitate their escape Now obviously, one of the most helpful aids to that end is a useful and accurate map, one showing not only where-stuff-was, but also showing the locations of 'safe houses', where a POW on-the-loose could go for food and shelter. Paper maps had some real drawbacks: They make a lot of noise when you open and fold them, they wear-out rapidly and if they get wet, they turn into mush.

waddington-silk-map.pngSomeone in MI-5 got the idea of printing escape maps on silk. It's durable, can be scrunched-up into tiny wads, and unfolded as many times as needed, and makes no noise what-so-ever. At that time, there was only one manufacturer in Great Britain that had perfected the technology of printing on silk, and that was John Waddington, Ltd.

When approached by the government, the firm was only too happy to do its bit for the war effort. By pure coincidence, Waddington was also the U.K. Licensee for the popular American board game, Monopoly. As it happened, 'games and pastimes' was a category item qualified for insertion into 'CARE packages', dis-patched by the International Red Cross, to prisoners of war. 

monopoly-war.pngUnder the strictest of secrecy, in a securely guarded and inaccessible old workshop on the grounds of Waddington's, a group of sworn-to-secrecy employees began mass-producing escape maps, keyed to each region of Germany or Italy where Allied POW camps were located (Red Cross packages were delivered to prisoners in accordance with that same regional system). When processed, these maps could be folded into such tiny dots that they would actually fit inside a Monopoly
playing piece. 

As long as they were at it, the clever workmen at Waddington's also managed to add:

1. A playing token, containing a small magnetic compass,

2. A two-part metal file that could easily be screwed together.

3. Useful amounts of genuine high-denomination German, Italian, and French currency, hidden within the piles of Monopoly money!

waddington-letter.pngBritish and American air-crews were advised, before taking off on their first mission, how to identify a 'rigged' Monopoly set by means of a tiny red dot, one cleverly rigged to look like an ordinary printing glitch, located in the corner of the Free Parking square!

Of the estimated 35,000 Allied POWS who successfully escaped, an estimated one-third were aided in their flight by the rigged Monopoly sets. Everyone who did so was sworn to secrecy Indefinitely, since the British Government might want to use this highly successful use in still another, future war.

The story wasn't de-classified until 2007, when the surviving craftsmen from Waddington's, as well as the firm itself, were finally honoured in a public ceremony.

At any rate, it's always nice when you can play that "Get Out of Jail Free" card!

P.S. Florence's daughter-in-law offered this...

I couldn’t find anything in Snopes.  I would think Dad would have mentioned it over the course of the years when we were playing Monopoly and he never did.  Maybe he just wasn’t told about it.  He was never in Germany, always in the south Pacific.  And maybe only British soldiers were told about it.  It seems questionable, but there are so many other sites about it that I tend to think it’s for real.

I found a site from Mental Floss which tells about this.  They say they’re a magazine for intellectual esoteric. I found another one too.  It tells about lots of silk maps and prisoners even printing their own.  And this one gives lots of other links too which seem reasonable.  Apparently it was on CNN, they’re fairly reputable.  And here’s another that looks interesting.  It says it was British and American air crews who were told about this.

Hope this helps.

Dianne


cup-of-coffee-pour-crpd2.pngA chuckle or two...


Politics ~ Thanks to Ms. Linda Jo Bruton

I was so depressed last night thinking about the up coming election, I called Lifeline.


garf_4..png

Got a call center in Pakistan.

I told them I was suicidal.

They got all excited and asked if I could drive a truck.

 


The New Supermarket ~ Thanks to Mr. Richard DeBiaso
 

A new supermarket opened near my house. It has an automatic water mister to keep the produce fresh. Just before it goes on, you hear the sound of distant thunder and the smell of fresh rain.

When you pass the milk cases, you hear cows mooing and you experience the scent of fresh mown hay.  In the meat department there is the aroma of charcoal grilled steaks with onions.

When you approach the egg case, you hear hens cluck and cackle, and the air is filled with the pleasing aroma of bacon and eggs frying.

The bread department features the tantalizing smell of fresh baked bread and cookies.

I don't buy toilet paper there any more. 

 

 


Asian Reaction to the U.S. Financial Crisis ~ Thanks to Mr. Jim Knudsen

Following the financial crisis on Wall Street, uncertainty has hit the banking sector in Japan . In the last seven days Origami Bank has folded, Sumo Bank has gone belly up and Bonsai Bank announced plans to cut some of its branches.

Yesterday, it was announced that Karaoke Bank is up for sale and will likely go for a song, while today shares in Kamikaze Bank were suspended after they nose-dived. While Samurai Bank is soldiering on following sharp cutbacks, Ninja Bank is reported to have taken a hit, but they remain in the black.

A spokesman for Haiku Holdings was lost for words over the financial crisis, while according to rumors Nippon Bank was starting to feel the pinch. Furthermore, 500 staff at Karate Bank got the chop and analysts report that there is something fishy going on at Sushi Bank where it is feared staff may get a raw deal.

Meanwhile Geisha Bank has bowed to the inevitable and shut. One trader lamented: "It's all gone to Shiitake.


 


Dog act ~ Thanks to Ms. Linda Bruton


 Kate and Gin, a real treat to see.  Even Simon Cowell was impressed. 

Canine Freestyle 

 


Politicians ~ Thanks to Mr. Richard DeBiaso

A busload of politicians were driving down a country road when all of a sudden the bus ran off the road and crashed into a tree in an old farmer's field. The old farmer, after seeing what had happened, went over to investigate. He then proceeded to dig a hole to bury the politicians.

A few days later the local sheriff came out, saw the crashed bus, and asked the old farmer where all the politicians had gone. 

The old farmer said he had buried them. 

The sheriff asked the old farmer, "Were they all dead?"

The old farmer replied, "Well, some of them said they weren't, but you know how them scoundrels lie."


Wanda Sykes ~ Thanks to Mr. Jim Knudsen


Wanda Sykes take on the bail out on Jay Leno's show

Very funny, but true!

 


Cars of the 50's and 60's ~ Thanks to Mr. Jim Ward and Mr. Dan Klimek

If you are old enough to remember the cars and the music I know you will enjoy this. You will probably see cars you or your folks owned (or for some of you, and you know who your are, cars you might have stolen -- I mean borrowed for a joy ride). 

If you are too young to have lived the 50' and 60's, I'm really sorry.  They were like nothing you could ever imagine.  I think you will still enjoy this presentation.
 
Enjoy!
Jim

Someone did an awesome job putting this together. (Turn up your sound).

Cars of the 50's and 60's 

 


AARP Eye Chart ~ Thanks to Mr. Jim Knudsen


How to be cruel to old guys:

AARP Eye Chart

aarp-eye-chart.jpg

 


Seniors Halloween ~ Thanks to Ms. Florence Pierson


You know you are too old to Trick or Treat when:

10. You get winded from knocking on the door.

9. You have to have another kid chew the candy for you.

8. You ask for high fiber candy only.

7. When someone drops a candy bar in your bag, you lose your balance and fall over.

6. People say: "Great Boris Karloff Mask," and you're not wearing a mask.

5. When the door opens you yell, "Trick or..." and can't remember the rest.

4. By the end of the night, you have a bag full of restraining orders.

3. You have to carefully choose a costume that won't dislodge your hairpiece.

2. You're the only Power Ranger in the neighborhood with a walker.

And the number one reason Seniors should not go Trick Or Treating...

1. You keep having to go home to pee.


Digital TV ~ Thanks to Ms. Merrilee DeBiaso


 Forget it, old people. No more TV in 2009.

Get Ready for Digital TV
Hilarious!

 

cup-of-coffee-pour-crpd2.pngWorth a thousand words...


A paternal dog has adopted an abandoned baby goat as his surrogate child.  Billy the boxer has become the constant companion of the 12-day old kid called Lilly. He sleeps with the goat, licks her clean, and protects her from any dangers at Pennywell Farm wildlife centre atBuckfastleigh, near Totnes, Devon.

Billy and Lilly have formed a close bond

The kid was abandoned by her mother when she was only a few hours old and adopted by paternal Billy when his owner Elizabeth Tozer began hand rearing the goat. Elizabeth said: "Lilly follows Billy around which is really quite amusing to watch and Billy sleeps with the goat and cleans her mouth after she feeds."

Billy the boxer protects his little kid.  Lilly was the smallest of a litter of three kids and her mother abandoned her because she could only care for the two stronger ones. The pair have attracted quite a crowd at the animal centre and the staff are keen to see
how their relationship will develop.

billy1.jpg

billy2.jpg

billy3.jpg


 

cup-of-coffee-pour-crpd2.pngBefore we say so long... 


2cents1.gifBefore you go, remember your comments, suggestions, and contributions are welcome. When you come across something funny or informative and in good taste, please send it along.  I would love to include it with your name and our thanks. 

Be sure to tell your friends about Coffee Break. And if you have time, explore the other sections of our web site. 

I leave you to ponder these words a good friend shared with me: 

"The happiest of people don't necessarily have the best of everything;
they just make the best of everything that comes along their way."

Carry that thought with you as you tackle the rest of your week. 

For information on buying or selling in the bay area, please call me at 510-429-4800 or send me a note on the Contact Joanne form.

~ Joanne

Joanne L. Gardiner, Broker, e-PRO Realtor

Advantage Realty
Advantage Mortgage Associates
3205 Whipple Road - Union City, California 94587

(510) 429-4800

San Francisco Bay Area 
San Francisco East Bay Real Estate

realtor-img830.gif

img131.pngOur primary realty service areas in the San Francisco Bay Area: Hayward, Castro Valley, Fremont, Newark, Niles, San Leandro, San Lorenzo, San Ramon, Sunol, Oakland, Foster City, Burlingame, and San Mateo.

The types of real estate in which we specialize are:  single family homes, detached homes, attached homes, duets, condominiums, townhomes, garden homes, PUDs, manufactured homes, mobile homes,  income property, investment property, tri-plexes, four-plexes, apartment property, and special use properties such as churches for sale.

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