Offered at $598,888

Outstanding Open Floor Plan Features Fall-in-Love Kitchen. Opposing bedroom wings add privacy in midst of an open single story, designed around a spacious, splendid, and sparkling kitchen. Graduate to distinction as you enter the breath-taking interior of this spectacular, expansive, five bedroom home located in Folsom’s prestigious Empire Ranch and see why few homes remain which can compare.

• 5 Br, 3 Ba, 2,914 sq. ft., 3+ Car Garage, with dazzling commercial grade pecan floors from foyer thru kitchen.
• Home’s main course is huge kitchen overlooking family room that is efficient and well-equipped featuring gleaming granite slab counters highlighted with under-cabinet lighting, custom Sheffield ginger finished, mocha-glazed, cherry cabinets with cabinet pull-outs, black appliance package with premium extra-quiet GE dishwasher and trash compactor. Kohler Executive sink with Instant-Hot anchors work triangle on large island.
• Large, private backyard – listen to the sounds of silence. Traffic rare at this end of the neighborhood with home located in back corner. Custom-landscaping anchored at each end by mounds with large rocks surrounding a half dozen trees provides the natural ambiance of a mountain meadow as you view tranquil surrounding hills from the expansive stamped concrete patio complete with built in natural gas line ready for custom BBQ cooking center.
• Enjoy your meals in the bright and open breakfast nook, or venture outside to eat on the patio & enjoy the view.

Special Opportunity for Buyer: If Buyer qualifies, a Money Merge Account™ Program is now available which could allow a Buyer to possibly pay off any 30 year mortgage in as little as 8 to 11 years, with no change in budget or lifestyle. Call for details at 916-208-3892.

PROPERTY FEATURES Central A/C Central heat Fireplace High/Vaulted ceiling Walk-in closet Hardwood floor Tile floor Family room Living room Dining room Breakfast nook Dishwasher 6 Ceiling Fans Stove/Oven Microwave Granite countertop Stainless steel appliances Laundry area – inside Balcony, Deck, or Patio Yard

Go to: www.698stonemill.com for more information, floor plan, and printable brochure.

Contact Patrick Warholic today, for your private home tour.

Folsom, El Dorado Hills, and Granite Bay Homes Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, Home Marketing Specialist for free, no registration required, MLS home and property searches with tons of advanced home search features, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Folsom Realtor, CCRA, SRES, ASP, and e-PRO certified.

Folsom, El Dorado Hills, and Granite Bay Homes Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, Home Marketing Specialist for free, no registration required, MLS home and property searches with tons of advanced home search features, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Folsom Realtor, CCRA, SRES, ASP, and e-PRO certified.

Below are a list of the “shovel-ready” projects for which Folsom submitted in the 2008 U.S. Conference of Mayors report. You can click on a project to read (and add to) its description. You can also discuss the project and vote on whether you believe it is critical or not.

The total cost of all the projects submitted by Folsom is $151,241,560

Add your insights and comments about any of the projects above. Add more detailed information on the Stimulus Watch Wiki. The wiki is a collaboration of people online where anyone can add more information about the specific project(s), and also anyone can edit, correct, and add to the article too.

Folsom, El Dorado Hills, and Granite Bay Homes Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, Home Marketing Specialist for free, no registration required, MLS home and property searches with tons of advanced home search features, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Folsom Realtor, CCRA, SRES, ASP, and e-PRO certified.

Helping People Live Better Lives, One Person at a Time

I hope you will find the following snapshot of local Real Estate inventory interesting. The table represents aggregated values based on MLS data for the specified date.

MORTGAGE. National Averages (December 28, 08)* 30-year fixed Rate – 5.31% APR – n/a% 15-year fixed Rate – 5.16% APR – n/a% 5/1 ARM Rate – 4.55% APR – n/a%

* Mortgage rates were collected from publicly available sources (yahoo.com) on the date stated. The accuracy of the information and the availability of these rates are not guaranteed by the publisher. Rates are provided for informational purposes only and are subject to change without notice. Actual market interest rates may vary.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

Visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with tons of cool and advanced home search features, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

LOS ANGELES (May 20) – The percentage of households that could afford to buy an entry-level home in California stood at 44 percent in the first quarter of 2008, compared with 26 percent for the same period a year ago, according to a report released today by the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.).

C.A.R.’s First-time Buyer Housing Affordability Index (FTB-HAI) measures the percentage of households that can afford to purchase an entry-level home in California. C.A.R. also reports first-time buyer indexes for regions and select counties within the state. The Index is the most fundamental measure of housing well-being for first-time buyers in the state.

Read the entire C.A.R. article and take a look at the Sacramento area results.

Folsom Homes and Short Sale Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing and easy to use, no registration required advanced home search features that will simply astound you, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

1. Buy Energy Star products, as they have met “strict energy efficiency guidelines set by the EPA and US Department of Energy”.
2. When building or renovating a house, place insulation in the walls, ceiling and floor. It can save as much as 55% of energy in heating and 50% of energy in cooling.
3. Don’t add blinds to your windows, rather “tint” them with Low-E glazing.
4. Invest in a washing line, and use it to dry your clothes. This way, you are taking advantage of solar power, without the solar panels!
5. Buy Energy Saver light bulbs, like Compact Fluorescent bulb. They can use nearly 80% less energy, but can match, or often excel the light output of a traditional filament bulb. They also emit a white light, which is more pleasant on the eye.
6. Buy appliances that can run off batteries, rather than plug them in the wall, like an alarm clock.
7. If installing light in your garden, buy the self-sufficient Solar-powered lights, which have a perfect beautiful glow.
8. Take part in outdoor sport, such as football or tennis. This gets you out of the house, and prevents you from relying on a TV or computer for entertainment, and thus saving electricity.
9. Invest in solar panels. This can be expensive, and so I’ve saved it for last, but with nearly 50% efficiency being reached in testing (If it’s not surpassed already), Solar power will become very viable and more affordable in the future.
10. BONUS: 10. Unplug cell phone chargers / camera chargers if you aren’t using them. They consume a constant stream of electricity when plugged in, which seems small, until you have 6 or 7 of them.

Folsom Luxury Homes and Land Specialist
Our motto is to always “Do the Right Thing”, starting with providing premier executive service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with tons of advanced home search criteria like energy saving features as in, solar hot water and low E windows, plus get free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

Meaningful gift giving doesn’t have to be expensive. In fact, some of the most precious gifts are the ones that cost very little, but mean a great deal because of the time and effort the giver took in giving the gift. Below you will find a list of gift ideas that are low-cost but high value. Rather than a large chunk of change, these gift ideas require you to invest your creativity and time with only a little of your hard-earned cash.

* Make a scrapbook of the history of your relationship with the recipient. Fill it with pictures, mementos and memories from the past. Include your own heartfelt note thanking the recipient for the value and warmth they add to your life.

* Put your artistic abilities to work and create a piece of art in honor of the recipient. Write a personalized song, do a painting or sketch, or write a poem.

* Use your computer to make a family cookbook with a variety of recipes contributed by different family members. Or make a cookbook of all of your own special recipes to share with the recipient.

* If you have artistic flair, purchase blank note cards with envelopes. Decorate the cards with your own drawings to make personalized note cards for your loved one.

* If you can knit or crochet, make the honoree a new scarf, hat, afghan or pair of mittens. If you sew, create a new apron, fleece throw or keepsake pillow.

* Make an “I Love You because…” or “You’re Special because…” jar. On individual slips of paper, write something you love and appreciate about the honoree. Place the slips of paper in a decorative jar. You can also make an “I Love You” book by writing each thought on a different page of a blank journal.

* Use a desktop publishing program or your calligraphy skills to create a wall-hanging featuring a inspirational quote. If you are handy with a needle and embroidery floss, do the same thing using your needlework skills. Display the finished product in an inexpensive, yet attractive frame.

* For the chocolate lover on your list, fill a gift basket with several varieties of homemade chocolate cookies, candy, and brownies. If the recipient loves sweets but is concerned about weight gain, use recipes for goodies that are low in fat and calories.

* Make a keepsake video containing something that would be special to the recipient: children singing songs, friends telling why they love them, or you recounting funny stories of times you’ve shared together.

* Cook a meal for the recipient and/or put meal(s) in their freezer that can easily be heated and served rather than having to cook.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free MLS Home and property searches, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

“Organizing is what you do before you do something, so that when you do it, it is not all mixed up.” A. A. Milne

In personal development growth occurs more easily when we create space to grow. In order to experience living beyond limits in business or personal lives we must rid ourselves of the chaos and clutter that keeps us clogged up. To change life and business begin by getting organized.

1. Know Your Top Priority Zones: Focus on 3 to 5. Top priority zones are the most valuable areas of your life. Consider the roles you play throughout the day. What means the most to you long-term? Examples are spirituality, self-care, family, business, career, home, education, hobbies, volunteer work, etc. To make the best time management decisions know your priorities. You will be challenged by a new opportunity. Does it honor your priorities? If not, say ‘no’ for now. Under each top priority zone list the top 3-5 priorities. For instance, under self-care you could have exercise, take vitamins, eat 5 fruits/ vegetables, read for 30 minutes, and drink 8 glasses of water daily. The more you can simplify and get focused the better.

2. Schedule Blocks of Time: Blocks of time for your various priority zones give you time and a clear focus on the priorities in each area. Consider how much time you need and how much you can commit to each priority. When is the best time of day to schedule it so that you follow through? Customize your schedule to fit your energy level and personality so your time is used efficiently.

3. Now you can create your “to do” list or “toleration” list: What are you putting up with that needs to be handled. Get it out of your head and into a system such as a list, Day-Timer, palm pilot, blackberry, computer, etc. Plan to do it, delegate it, or dump it. What can you let go of? Give yourself permission to let go so you can focus on what will make the greatest difference.

4. Systematize: Create systems that save you time and make life easier. If there is an area not working for you chances are it is in need of a simple system. How often are you running to the store and what can you do to make one trip? When you buy something new, get rid of something old so your closets never get packed. How can you spend less time waiting in lines, managing e-mail, and handling paperwork? What marketing system can you put in place so you know exactly what to do each day. Create a home for everything so you know exactly where items go. Instead of items landing where they were left have a designated space for office supplies, a space for hardware, etc. Pick up more ideas at http://startingnowcoaching.com/_wsn/page16.html.

5. Set Yourself Up for Peak Performance: Take regular breaks to rejuvenate. In the book the Power of Full Engagement: Managing Energy, Not Time is the Key to High Performance and Personal Renewal, the authors Jim Loehr and Tony Schwartz suggest taking 10 minute breaks every 90 minutes. Get plenty of sleep and choose healthy energy sources vs. adrenaline for endurance. By the way…I hope you chose self-care as one of your top priorities. Take a day off, get help, do what it takes to organize your life and business. Save time doing what you don’t like and more time doing what gets you pumped. That’s when you will bubble over sharing the special gifts you have to offer and we will all be better off.

Starting Now!

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you, free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

Two: Look for the Energy Star Label. Energy Star-qualified refrigerators use about half as much energy as refrigerators made before 1993.

Three: Get Unplugged. Many home electronics still consume energy even when they are turned off. Many devices with a “standby mode” will continue to use power. Also, chargers and power adapters continue to draw power from the wall socket even if the device is not attached. Unplug these devices or use a power strip to turn off multiple units, when they aren’t being used to make sure that you aren’t wasting energy.

Four: Double-Up on Windows. Replacing old single-pane windows with double pane-windows helps reduce heat loss in winter and heat gain in the summer.

Five: Turn Down the Thermostat. Lowering you thermostat by just one degree can reduce costs by about four percent.

Six: Sustainable Floors. Cork flooring not only looks great, but it’s also natural insulator. So when you look into purchasing flooring, consider using bamboo, cork or another sustainable material.

Seven: Earth-Friendly Decks. A lot of deck material comes from tropical hardwoods. These woods look great and stand up to the elements for a very long time.

Eight: Low-Flow Faucets. Low-flow water fixtures such as showerheads, faucets and toilets reduce water consumption and water heating costs by as much as 50 percent.

Nine: Buy Renewable Energy. Check with your local utility company and see if you can purchase renewable energy.

Ten: Recycle! After you replace all those inefficient, windows and fixtures, make sure you recycle all that metal and glass. By recycling half of your household waste, you can save 2,400 pounds of carbon dioxide annually. Find more information about programs in your area at www.recycle.com.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search for energy saving features. California Home Network provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.