San Diego Neighborhood Watch…time to get it going

San Diego Neighborhood Watch…Time to get it going
Decades ago crime rates across the U.S. increased at an alarming pace. Citizens and law enforcement agencies focused on developing crime prevention programs to help reduce this growing trend. In 1972 The National Sheriff’s Association organized the National Neighborhood Watch Program. This pilot program was funded by the Law Enforcement Assistance Administration of the U.S. Department of Justice and was designed to enlist the participation of citizens with law enforcement to help reduce and prevent crime. Since then Neighborhood Watch has become one of the most effective means of fighting crime in our communities. This is because you and your neighbors are the ones who really know what is going on in your area, most likely to be the first to see a crime and call for help, and are in the best position to: (1) Report code violations, unsafe street conditions, etc. that degrade the quality of life in your area, (2) Take property owners to small claims court to abate nuisances, (3) Keep your block clean and free of graffiti, and (4) Provide a safe environment for your children.

What Is Neighborhood Watch?
How to Start and Maintain a Neighborhood Watch Program

What Is Neighborhood Watch?

Neighborhood Watch is a crime prevention program that enlists the active participation of residents in cooperation with law enforcement to reduce crime, solve problems, and improve the quality of life in your area. In it you will get to know and work with your neighbors, and learn how to:

Recognize and report crimes and suspicious activities
Protect yourself, your family, and your property,
Protect your neighbor’s family and property, and
Identify crime and disorder problems in your area and work with SDPD personnel to solve them.
How to Start and Maintain a Neighborhood Watch Program

The following steps explain how to get a Neighborhood Watch program started and maintained in your area:

Talk to your neighbors. See if there’s interest in forming a Neighborhood Watch group in your area. If there is contact the SDPD for help.

Talk to the San Diego Police Department (SDPD). Contact the SDPD area station in your neighborhood and ask to talk to the Community Relations Officer (CRO) or Police Service Officer (PSO) who is responsible for Neighborhood Watch. SDPD division addresses and phone numbers are listed under IN YOUR NEIGHBORHOOD on this website. The CRO or PSO will suggest how you should proceed and discuss the crime and disorder problems that you will have to deal with.

Talk to your neighbors again. Tell them about the benefits of a program and the problems to be addressed. Ask about convenient times and places for the first meeting. Be sure to mention that Neighborhood Watch does not require frequent meetings or personal risks, and that a CRO or PSO will be invited to the first meeting to answer questions.

Planning the first meeting. Select a date, time, and place for the first meeting. Invite the CRO or PSO. Meetings are usually held at a home, school, church, or community center. They can also be held at a SDPD area station or storefront office. Send out meeting announcements a few weeks ahead of the date. You can distribute fliers, make phone calls, or send emails. Send out reminders a few days before the meeting.

Prepare an agenda and sign-in sheet for the first meeting. Ask the CRO or PSO to talk about the crime and disorder problems in your area, how to get crime and crime prevention information on the SDPD website at www.sandiego.gov/police, and how the partnership with the SDPD will work. The meeting should last about one hour. Consider providing refreshments, e.g., cookies and coffee. The agenda should allow time for questions, answers, and other topics.

First meeting. The first meeting is critical in forming of a group. All attendees should introduce themselves and sign a sheet with their names, addresses, phone numbers, and email addresses so they can be contacted about future meetings and activities. They should be assured that their personal information will not be given to anyone without their permission. The CRO or PSO will talk about the topics listed above and answer questions. Then the group should define the area to be covered and select a Block Captain or Co-Captains.

The area covered by a group in a neighborhood with single-family homes can range from several homes on one side of a street to several blocks with homes on both sides of the streets. The area can also include neighborhood parks, canyons, etc. The area covered in a neighborhood with apartment complexes can range from a single complex to several complexes.

The initial duties of the Block Captain or Co-Captains are listed below:

Compile a membership list
Develop an area map with home addresses
Collect money for Neighborhood Watch signs, and post and maintain the signs
Neighborhood Watch signs and sign hardware approved by the SDPD can be obtained from CSI Signs at (858) 277-3858. They are located at 7450 Ronson Rd., San Diego 92111. However, Neighborhood Watch groups are free to buy signs from any company and do not need SDPD authorization to do so. The signs can be installed with permission on private property or utility poles, with perforated metal tape on City street light poles, or at least 7 feet above the grade level on City street signs. They cannot be installed on any traffic control sign or City tree. After installation the exposed bolt threads should be crimped to prevent theft of the sign.

Continuing duties of the Block Captain or Co-Captains. After the group is formed their duties will depend on their organizational skills and interests, and the nature and objectives of the group. The following are some possibilities:

Recruit new members
Maintain a membership list and area map with home addresses
Keep members informed about area crime and disorder
Try to see group members frequently
Establish and maintain a phone tree with home and work numbers that group members can use to contact residents in an emergency
Develop an area activity profile to help members recognize unusual or suspicious activities in the area. This could include vehicle descriptions, work hours, school hours for children, and scheduled services, e.g., gardening
Act as a spokesperson for the group
Serve as liaison with the SDPD
Plan, announce, and facilitate meetings
Organize crime prevention activities, e.g., watching homes when residents are away
Subsequent Meetings and Activities. Meetings of the whole group should be held at least once a year. They can be held more often if there is information to be distributed and discussed, a problem to address, or a special event to be planned and held. The key to keeping a Neighborhood Watch group active is maintaining interest over time and communicating with members.

Meetings can be scheduled to discuss specific crime prevention or other topics. The SDPD can also provide officers to talk on domestic violence, workplace violence, gangs, child and adult abuse, alcohol and drug abuse, identity theft, landlord/tenant relations, bike safety, homeland security, etc. Check with your CRO or PSO first and then call the Speaker’s Bureau at (619) 446-1018 to request a talk.

Meetings can also be scheduled to address a serious incident in the area, or two or more less-serious incidents of the same type. Problem solving usually proceeds in the following steps:

Definition. What is the problem? Some examples are car break-ins and thefts, home burglaries, speeding, unlicensed solicitors, graffiti, panhandling, and trash dumping.

Analysis. What are the common elements of the problem? They could be time of day, location, kinds of offenders and victims, kinds of targets, access to targets, methods of defeating security measures, etc.

Response. How can the problem be addressed? What can be done to prevent recurrence or reduce the damage if it does recur? What agencies or organizations are responsible and should help in solving the problem? What are the best things to do for short- and long-term results?

Assessment. Did the problem go away? Was the damage reduced? If not, what else should be done?

Special events are another good way to keep the group active. The following are some possibilities:

Neighborhood walks to identify potential crime and disorder problems
Socials, e.g., parties or potluck dinners
Cleaning streets, vacant lots, canyons, parks, etc.
Graffiti paint outsFund raising to buy signs, e.g., by collecting recyclables
Bicycle safety and licensing rodeoPainting address numbers on curbs and alley fences or garages

New EPA Lead Based Paint Regulations In Place This Week

New EPA Lead Based Paint Regulations In Place This WeekContractors working at properties where lead-based paint is likely will soon have to abide by The Renovation, Repair and Painting Rule goes into effect Thursday and is geared at protecting individuals from harmful lead-based paint. (See EPA info on dangers)
The new rule was enacted after a four-year study found that construction work, such as window replacement, HVAC work, demolition of interior plaster walls, removal of exterior painted siding, and sawing into painted wood exposes both occupants and workers to high levels of airborne lead The EPA notes, the most common manner in which people are exposed to lead is through lead contained in dust.
Under the rule, any renovations, repairs or painting to inside areas greater than 6 square feet and outside areas greater than 20 square feet are subject to the rule.
The Impact:
1) First off homeowners who do their own work are excluded from taking the extra testing and abatement measures. Anyway, the EPA recommends that homeowners follow the procedures in its Renovate Right handout available at http://epa.gov/lead/pubs/renovaterightbrochure.pdf.
2) Contractors working on almost all homes built before 1978 must prove they have the Environmental Protection Agency’s stamp of approval to do the work — or face fines of up to $37,500 a day.
3) Homeowners who are considering buying an older home need to know that any renovations that would be planned will require extra costs if testing proves the presence of lead paint.
4) Some estimate that the extra time and effort required for protecting, cleaning and testing construction areas in pre-1978 homes will add 5 percent to 30 percent in fees on small renovation jobs.
5) Homeowners who have any work done in the future may be scammed by some contractors who say their bids are high because the Government has new rules. You should ask for some inexpensive testing before work is done or suspicious bids are received.
6) It won’t be long before internet scammers are selling test kits aimed at the homeowner that are unreliable. For information on testing in your home visit the EPA site http://www.epa.gov/lead/index.html
7) The number of local certified contractors is growing every day. The current list can be found HERE.http://cfpub.epa.gov/flpp/searchrrp_firm.htm

Capital Gain Taxes Going Up, Way Up

Capital Gain Taxes Going Up, Way Up“58 Percent Increase in Capital Gain Taxes is Coming”

TAX INCREASE #1 – 20 PERCENT CAPITAL GAIN TAX IN 2011
On January 1, 2011, the capital gain tax reduction that was signed into law by President Bush under the Tax Increase Prevention and Reconciliation Act will “sunset.” The tax rate will revert from the current 15 percent rate back to the former 20 percent capital gain tax rate that was in effect prior to 2003.

TAX INCREASE #2 – 3.8 PERCENT MEDICARE TAX IN 2013
Beginning in 2013, the national health care reform legislation that became law in March, 2010, imposes a new 3.8 percent tax on certain investment income. The new tax will apply to single filers with incomes over $200,000 and married taxpayers with incomes over $250,000. Under the law, the investment tax provisions in Chapter 2A of the Internal Revenue Code are placed under the heading “Unearned Income Medicare Contribution.” In general, this new Medicare tax will apply to investment income that is subject to income tax, which includes capital gains. Pursuant to IRC Section 1402 (C)(1)(A)(iii), the investment income to which this new tax applies includes “net gain” (to the extent taken into account in computing taxable income) attributed to the disposition of property that qualifies as a capital asset under Section 1221 (capital gains), as well as gains on other property that are considered part of ordinary income. Also of relevance for rental property owners, this new tax applies to a real estate investor’s rental income if they have income above the $200,000/$250,000 income thresholds.

The net effect of both capital gain tax increases is a new 23.8 percent tax rate for higher earners—the highest rate for long-term capital gains since 1997. The Joint Committee on Taxation estimates the new Medicare tax on investments will cost taxpayers over $30 billion annually. Additionally, the modified adjusted gross income threshold at which this Medicare tax will apply will not be indexed for inflation, which means an increasing number of taxpayers will be snared by this tax provision.

Overall, the economic impact of these tax increases will be felt by the very investors who help promote long-term economic growth. In 2007, taxpayers with incomes greater than $200,000 reported 47 percent of all interest income, 60 percent of all dividends and an amazing 84 percent of all capital gains.

THE COMING TAX INCREASES – A COMPARISON
Current January 2013
Conventional Short-Term 35.0% 43.4%
Conventional Long-Term 15.0% 23.8%
AMT Short-Term 28.0% 31.8%
AMT Long-Term 15.0% 23.8%

A SOLUTION AND WAY TO DEFER TAXES – 1031 EXCHANGES
Since 1921, 1031 tax deferred exchanges have been a proven tax saving strategy that helps real estate investors improve their investment position through the ability to not recognize Federal or state capital gain taxes. Contact the 1031 experts at API to learn more!

IRS Audits For Wealthy On The Rise
According to an article in InvestmentNews.com, Uncle Sam — specifically the Internal Revenue Service — wants your clients’ money. The IRS increased its audits of taxpayers earning between $1 million and $5 million by about 45% last year to 18,585, from 12,746 in 2008, according to data released last month. The agency also performed 17% more audits of taxpayers who earned between $5 million and $10 million last year (2,090 versus 1,784) and 9% more among those earning $10 million or more (1,473 versus 1,347). Click here to read the full article on Investment News.

Tax Freedom Day Occurs One Day Later in 2010 Than 2009
Tax Freedom Day, the day that Americans will work to pay this year’s tax obligations at the federal, state and local levels, is April 9, 2010. Americans will pay more in taxes in 2010 than they will spend on food, clothing and shelter combined. Click on the Tax Foundation’s website to read more.

States With The Highest Combined State And Local Taxes
The Tax Foundation published its 2010 Facts & Figures Handbook which provides the ranking of tax burdens by state.
The Top Three The Bottom Three
Connecticut: $7,007 Mississippi: $2,834
New Jersey: $6,610 Alaska: $2,871
New York: $6,419 West Virginia: $3,000

The U.S. overall is $4,283.

No State of Calif. Tax on Forgiven Debt. Good News for San Diegans

NO MORE STATE TAX ON FORGIVEN DEBT
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification. Enacted into law yesterday, Senate Bill 401 generally aligns California’s tax treatment of mortgage debt relief income with federal law. For debt forgiven on a loan secured by a “qualified principal residence,” borrowers will now be exempt from both federal and state income tax consequences. The existing federal exemption is for indebtedness up to $2 million, whereas the new California exemption is for indebtedness up to $800,000 and forgiven debt up to $500,000.
“Qualified principal residence” indebtedness is defined as debt incurred in acquiring, constructing, or substantially improving a principal residence. It includes both first and second trust deeds. It also includes a refinance loan to the extent the funds were used to payoff a previous loan that would have qualified.
The tax breaks apply to debts discharged from 2009 through 2012. Californians who have already filed their 2009 tax returns may claim the exemption by filing a Form 540X amendment.

Taxpayers who do not qualify for the above exemptions (e.g., second home or rental property) may nevertheless be exempt under other provisions. Most notably, taxpayers who are bankrupt are exempt from debt relief income tax. Also, taxpayers who are insolvent are exempt from debt relief income tax to the extent their current liabilities exceed current assets

Survey finds Americans Prefer Homeownership

This recent survey and report by Fannie Mae is accurate and reflects the national attitude of most buyers in this current market. Yes the economic news has petrified and effected almost everyone in the country. Most average Americans are holding their cards close to their chest just waiting for the bottom to hit or the tone of the real estate news to change. The news is encouraging and interest rates are tremendous. In our 25 years of living and working in real estate we have never seen a better time to get started in home ownership.
It is imperative that a home buyer be cautious and get professional help. A through evaluation of all the facets of the purchase (price, financing, terms, neighborhood conditions, amenities, condition, location, values, structural condition, title issues, enviromental hazards, access, permits, natural hazard potential, zoning etc) is almost a requirement before making the largest financial decision of most people’s lives.
Here is a summary of the Fannie Mae National housing Survey report:

A new national survey gauging attitudes toward housing finds that two-thirds of Americans (65 percent) still prefer owning a home, despite the challenging economic environment and the housing downturn. The Fannie Mae National Housing Survey, conducted between December 2009 and January 2010, polled homeowners and renters to assess their confidence in homeownership as an investment, the current state of their household finances, views on the U.S. housing finance system, and overall confidence in the economy.
The survey revealed that homeowners and renters alike are taking a more cautious approach to homeownership. Nearly a quarter of renters polled (23 percent) said they will buy a home later than once planned. In addition, Americans with traditional, fixed-rate mortgages with predictable payments are significantly more satisfied than those with other types of mortgages. Respondents cited non-financial reasons such as safety (43 percent) and quality of local schools (33 percent) as driving factors in wanting to own a home, ahead of financial considerations.
A majority of consumers (60 percent) believe that buying a home today is harder than it was for their parents, and nearly seven in 10 (68 percent) think it will be even more difficult for their children. Most respondents (88 percent) also believe that walking away from an underwater mortgage is not acceptable, but those who know someone who has defaulted are more than twice as likely to have seriously considered stopping payments on their mortgage.

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