Sandra J. Steele * Cottonwood-Sedona-Verde Valley Real Estate

Decades of Experience - Multi-Millions in Sales FULL SERVICE BROKER

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Sandra J. Steele.,REALTOR®

Desert Dwellers Realty, LLC - Sedona/Verde Valley Branch

CottonwoodHomesforSale.com, the Sedona/Verde Valley Branch of Desert Dwellers Realty, LLC is a Full Service Broker and ready to serve you whether buying or selling. The site features integrated IDX property searches. Click on the various links on the home page for extremely interesting information about the Sedona, Cottonwood & Verde Valley areas including schools, shopping, casino, verde canyon railroad & etc information. We have Decades of Real Estate Experience and want to work for you!! http://www.CottonwoodHomesforSale.com Sandra@CottonwoodHomesforSale.com

Posted Saturday, January 30, 2010 7:38 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: Real Estate

Do NOT CALL Registery

Call 1-888-382-1222 Register your land line #and your cell phone #'.

Posted Wednesday, January 27, 2010 4:39 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Foreclosure information-3 Trial Period- READ

Many homeowners under President Obama’s foreclosure-prevention program may be at risk of foreclosure.

According to a Treasury Department guideline issued last month, mortgage companies have until January 31 to review all trial modifications that have been modified due to the Home Affordable Program. New guidelines will be issued next week.

Loan Services must review all trail modifications and must determine if borrowers have made all their payments and handed in necessary paperwork.

For the homeowners who have not, they will get letter giving 30 days to comply.

The goal of the new guideline is to try and clear up the backlog of borrowers stuck in trail periods.

Home owners have waited seven or eight months just to hear if they qualify for permanent mortgage adjustments.

"About 450,000 homeowners currently have HAMP trial modifications and have demonstrated a willingness and ability to make timely payments for at least three months," said Richard Neiman, superintendent of the New York State Banking Department.

"Now, unfortunately and very alarmingly, these same homeowners face the prospect of foreclosure strictly on account of documentation issues," he said.

Paperwork has caused an issue for the president’s foreclosure-prevention program. Homeowners have been claiming, servicers are losing the documents sent in, but loan services have been claiming homeowners have not sent them in.

Next week new guidelines will be issued so the process can be expedited. The new guidelines might lighten the paperwork. Continue to fight.

Posted Wednesday, January 27, 2010 2:21 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: Foreclosure information

IMPORTANT INFORMATION Regarding your credit cards, checks and personal information (From an Attorney)

Not A Joke!!   Even If you dislike attorneys..You will love them for these tips.

Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company:

1.... Do not sign  the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'

2. When you are writing checks to pay on your credit card accounts,  DO NOT put the complete  account number on the 'For' line. Instead, just put the  last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.

3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never  have your  SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.

4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.... Keep the photocopy in a safe place.
I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a Name, address, Social Security number, credit cards.

Unfortunately, I, an attorney, have first hand knowledge because my wallet was stolen last month... Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.
But here's some critical information to limit the damage  in case this happens to you or someone you know:

5.. We have been told we should  cancel our  credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.

6.  File a  police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).

But here's what is perhaps  most important of all: (I never even thought to do this.)
7. Call the  3 national credit reporting organizations  immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the internet in my name.

The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks..

Now, here are the numbers you always need to contact about your wallet, if it has been stolen:

1.) Equifax: 1-800-525-6285

2.) Experian (formerly TRW): 1-888-397-3742

3.) Trans Union : 1-800-680 7289

4.) Social Security Administration (fraud line):
1-800-269-0271

We pass along jokes on the Internet; we pass along just about everything......

How about something useful as well

If you are willing to pass this information along, it could really help someone that you care about .

Thank You

Posted Monday, January 11, 2010 5:41 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

IMPORTANT INFORMATION FROM "FOOD & DRUG ADMINISRATION"

FDA NEWS RELEASE

For Immediate Release: Nov. 18, 2009

Media Inquiries: Sandy Walsh, 301-796-4669, sandy.walsh@fda.hhs.gov
Consumer Inquiries: 888-INFO-FDA

FDA Announces New Warning on Plavix: Avoid Use with Prilosec/Prilosec OTC

Patients should avoid using the stomach acid reducer Prilosec/Prilosec OTC (omeprazole) with the anti-clotting drug Plavix (clopidogrel),

the U.S. Food and Drug Administration warned on Nov. 17.

New data suggest that when patients take both Prilosec and Plavix, Plavix’s ability to block platelet aggregation (anti-clotting effect) may be

reduced by about half.

“Both of these drugs, when used properly, provide significant benefits to patients.” said Mary Ross Southworth, Pharm.D., of the Division of

Cardiovascular and Renal Products in the FDA’s Center for Drug Evaluation and Research. “However, patients at risk for heart attacks or strokes

who use Plavix to prevent platelet aggregation will not get the full effect of this medicine if they are also taking Prilosec.”

Plavix is used to prevent blood clots that could lead to heart attacks or strokes in at-risk patients. Omeprazole, the active ingredient of Prilosec

and Prilosec OTC, is a proton pump inhibitor (PPI) used to reduce the production of stomach acid and prevent stomach irritation.

Plavix does not have anti-clotting effects until it is converted or metabolized into its active form with the help of the liver enzyme, CYP2C19. Prilosec

blocks this enzyme, thereby reducing the effectiveness of Plavix

Public Health Advisory: Updated Safety Information about

a drug interaction between Clopidogrel Bisulfate

(marketed as Plavix) and Omeprazole (marketed as

Prilosec and Prilosec OTC)

[11/17/2009]

The U.S. Food and Drug Administration (FDA) has new data showing that omeprazole (Prilosec/Prilosec OTC)—a medicine used to reduce

stomach acid—reduces the anti-blood clotting effect of clopidogrel (Plavix) by almost half when these two medicines are taken by the same

patient. Patients at risk for heart attacks or strokes who use clopidogrel to prevent blood clots will not get the full effect of this medicine if they

are also taking omeprazole. This effect is called a drug interaction and it occurs because omeprazole blocks the conversion of clopidogrel into its

active form.

Since clopidogrel can cause bleeding in the stomach, medications like omeprazole may be used in combination to reduce the production of stomach

acid, and prevent stomach bleeding. Omeprazole is available by prescription and as an over-the-counter (OTC) medication to treat frequent heartburn

FDA wants to emphasize the following information for patients using clopidogrel:

Patients using clopidogrel should consult with their healthcare provider if they are currently taking or considering taking omeprazole, including
Prilosec OTC.
Both clopidogrel and omeprazole can provide significant benefits to patients, and patients should always consult with their healthcare professional
before starting or stopping any medication.
It is very important that patients talk with their healthcare professional about any over-the-counter (OTC) drugs they are taking before starting or
while using clopidogrel

Patients who use clopidogrel and need a medication to reduce stomach acid can use antacids (such as Maalox or Mylanta) and most acid reducers,

such as Zantac (ranitidine), Pepcid (famotidine), or Axid (nizatidine) because the FDA does not believe that these medicines will interfere with the

anti-clotting activity of clopidogrel. However, Tagamet and Tagamet HB (cimetidine) should not be used. Ranitidine and famotidine are available by

prescription and OTC and antacids are available OTC.

The manufacturers of clopidogrel have agreed to look at other possible drug interactions with clopidogrel. In the meantime, the clopidogrel label will

be updated with new warnings on omeprazole and other drugs that could interact with clopidogrel in the same way. When more information becomes

available, FDA will communicate any additional recommendations or conclusions on the use of clopidogrel.

Posted Sunday, November 22, 2009 8:39 AM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: Announcements

FREQUENTLY ASKED TAX CREDIT QUESTIONS & ANSWERS

Here are some of the most frequently asked questions on the changes to the Homebuyer Tax Credit

Question: Existing homeowner credit: Must the new house cost more than the old house?
Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who
meet all eligibility requirements will qualify for the $6500 credit.
Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a
new home. I have lived in my current home for more than 5 consecutive years and
am within the new income limits. I will go to settlement on November 20. If
President Obama has signed the bill by the time I go to settlement, will I qualify for
the new $6500 tax credit?
Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment
(when the bill is signed). There is no reference to the date of contract for the new credit. The
provision looks solely to the date of purchase, which is generally the date of settlement.
Question: I am a firsttime
homebuyer but was not within the prior income limits at the time I
entered into my contract to purchase on October 30, 2009. I will be covered,
however, by the new income limits. If the new rules have been signed into law by the
time I go to settlement, will I be eligible for a credit?
Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill.
The income limit and other eligibility rules will look to your status as of the date of purchase,
which is the settlement date. So if the new rules have been signed when you go to settlement,
you should be eligible for the credit (or a portion of the credit if you're within the phaseout
range).
Question: I am an eligible existing homeowner. I have a fair amount of equity in my home. I
have found a home with a nonnegotiable
price of $825,000. Will I be able to use any
of the $6500 tax credit?
Answer: No. The $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount
above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an
absolute ceiling.
Question: I owned my home for 10 years, but sold it two years ago year and have been renting
since. If I purchase a home, will I be eligible for the $6500 tax credit if I meet all the
other eligibility tests?
Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you
will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000
and lived there until 2008 when he got a divorce. Whether John has been renting or bought in
the interim, he WOULD INDEED be eligible for the credit because he owned a home and
occupied it as his principal residence for 5 consecutive years out of the last 8 years. The
keyword here is "consecutive." As long as he lived in that house for 5 years straight what he
did since 3 years doesn't impact eligibility.
Question: I am an eligible firsttime
homebuyer. I entered into a contract to purchase on
November 1, 2009. Do I have to go to closing before December 1? How does the
extension date affect me?
Answer: You do not have to close before December 1. Once the legislation has been signed, it will be as
if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30
(or July 1, worst case), the purchaser will be eligible for the credit.

Posted Wednesday, November 11, 2009 1:46 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: Tax Credit questions & answers

MORE TAX CREDIT INFORMATION

Homebuyer Tax Credit Extended…
Plus, New Tax Credit for Existing Home Owners!

It’s official! President Obama has signed a bill that extends the tax credit for first-time homebuyers (FTHBs) into the first half of 2010. In addition, the

extension also opens up opportunities for others who are not buying a home for the first time.

Tax Credit for Homebuyers

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible

for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive

comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five

consecutive years during the last eight years.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

What are the New Deadlines?

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

Tax Credit Versus Tax Deduction

It’s important to remember that the tax credit is just that… a tax credit. The benefit of a tax credit is that it’s a dollar-for-dollar tax reduction,

rather than a reduction in a tax liability that would only save you $1,000 to $1,500 when all was said and done. So, if a first-time homebuyer

were to owe $8,000 in income taxes and would qualify for a tax credit of $8,000, she would owe nothing.

Better still, the tax credit is refundable, which means the homebuyer can receive a check for the credit if he or she has little income tax liability.

For example,

if a first-time homebuyer is eligible for a tax credit of $8,000 but is liable for $4,000 in income tax, she can still receive a check for the remaining $4,000!

Higher Income Caps

The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit.

However, single filers who earn $145,000 and above are ineligible

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit.

However, joint filers who earn $245,000 and above are ineligible.

Maximum Purchase Price

Qualifying buyers may purchase a property with a maximum sale price of $800,000.

Posted Monday, November 09, 2009 10:56 AM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: HOMEBUYER'S TAX CREDIT INFORMATION

TAX CREDIT INFORMATION

TAX CREDIT (Updated + New Information)

FEATURE	Jan 1 – November 30, 2009 Rules as enacted February 2009	December 1 – April 30, 2010 Rules as enacted November 2009
Firsttime Buyer – Amount of Credit	$8000 ($4000 married filing separate)	$8000 ($4000 married filing separate)
Firsttime Buyer – Definition for Eligibility	May not have had an interest in a principal residence for 3 years prior to purchase	Same
Current Homeowner – Amount of Credit	No Provision	$6500 ($3250 married filing separate)
Effective Date – Current Owner	No Provision	Date of Enactmen
Current Homeowner – Definition for Eligibility	No Provision	Must have used the home sold or being sold as a principal residence consecutively for 5 of the previous 8 years
Termination of Credit	Purchases after November 30, 2009. (Becomes April 30, 2010 on Date of Enactment.)	Purchases after April 30, 2010
Binding Contract Rule	None	So long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close
Income Limits (Note: Increased income limits are effective as of date of enactment of bill)	$75,000 – single $150,000 – married Additional $20,000 phase o	$125,000 – single $225,000 – married Additional $20,000 phase out
Limitation on Cost of Purchased Home	None	$800,000 Effective Date of Enactment
Purchase by a Dependent	No Provision	Ineligible Effective Date of Enactment
Antifraud Rule	None	Purchaser must attach documentation of purchase to tax return

Posted Sunday, November 08, 2009 9:38 AM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

EXTENDED AND EXPANDED HOMEBUYER'S TAX CREDIT.

President Obama has signed into law the extended and expanded homebuyer's tax credit !!!!!!!!!!!!

Go to: www.CottonwoodHomesforSale for information and frequently asked questions.

Sincerely,

Sandra J Steele., REALTOR®.

Posted Saturday, November 07, 2009 3:40 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: "TAX CREDIT "CURRENT INFORMATION", President Obama has sined into law the extended and expanded homebuyer's tax credit

TAX CREDIT CHANGES

Congress has extended and expanded the homebuyer tax credit. Modifications "December 1 - April 30, 2010" become effective when President
Obama signs the bill. All changes made to the current credit become effective on that date, as well.

Here are some of the most frequently asked questions on the changes to the Homebuywer Tax Credit.

QUESTION: Existing homeowner credit: Must the new house cost more than the old house?
Answer:        No. Thus, for example, individuals who move from a high cost area to a lower cost area who meet all eligibility requirements will qualify for the
                    $6500 credit.
QUESTION: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a new home. I have lived in my current home
                    for more than the 5 consecutive years and am within the new income limits. I will go to settlement on November 20. If President
                  Obama has signed the bill by the time I go to settlement, will I qualify for the ne $6500 tax credit?

Answer:        Yes, The existing homeowner credit goes into effect for purchases after the date of enactment (when the bill is signed). There is no reference
                    to the date of contract for the new credit. The provision looks solely to the date of purchase, which is generally the date of settlement.
QUESTION: I am a first time homebuyer but was not within the prior income limits at the time I entered into my contract to purchace on
                    October 30, 2009. I will be covered, however, by the new income limits. If the new rules have been signed into law by the
                    time I go to settlement, will I be eligible for the credit?
Answer:        Yes, The new income limitations go into effect as soon as the President has signed the bill. The income limit and other eligibility rules will
                    look to your status as of the date of purchase which is the settlement date. So, if the new rules have been signed when you go to settlement,
                    you should be eligible for the credit (or a portion of the credit if you're within the phase-out range).
QUESTION: I am an eligible existing homeowner. I have a fair amount of equity in my home. I have found a home with a non-negotiable
                    price of $825,000. Will I be able to use any of the $6500 tax credit?
Answer;        No. The $800,000 cap on the cost of the purchased home is firm at $8000,000. Any amount above $800,000 makes the home ineligible for any
                    portion of the credit. the $800,000 is an absolute ceiling.
QUESTION: I owned my home for 10 years, but sold it two years ago and have been renting since. If I purchase a home, will I be eligible for the
                    $6500 tax credit if I meet all the other eligibility tests?
Answer:        Yes,, because you lived in the home for more than 5 consecutive years of the previous 8, you will quality for the $6500 tax credit. For example. Say
                    John and his wife bought a home in 2000 and lived there until 2008 when he got a divorce. Whether John has been renting or bought in the interim,
                    he WOULD INDEED be eligibloe for the credit because he owned a home and occupied it as his principal residence for 5 consecutive years
                    out of the past 8 years. The keyword here is "consecutive." As long as he lived in that house for 5 years straight what he did since 3 years
                    doesn''t impact eligibility.
QUESTION: I am an eligible first-time homebuyer. I entered into a contract to purchase on November 1, 2009. Do I have to go to closing
                    before December 1st? How does the extention date effrect me?
Answer:       You do not have to close before December 1st. Once the legislation has been signed, it will be as if the November 30th date had never
                    existed. Therefore, so long as the contract settles before April 30 (or July1, worst case), the purchaser will be eligible for the credit

Please contact me me for all you Real Estate needs & desires. I want to be your REALTOR® Thank you & Sincerely, Sandra J Steele

Posted Saturday, November 07, 2009 8:51 AM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

Filed under: "TAX CREDIT "CURRENT INFORMATION"

THIS COULD SAVE YOUR LIFE !! "Written by a Police Officer"

Crucial

Because of recent abductions

In daylight hours, refresh yourself

of these things to do

in an emergency situation...

This is for you,

and for you to share

with your wife,

your children,

everyone you know.

After reading these 9 crucial tips,

forward them to someone you care about.

It never hurts to be careful

in this crazy world we live in.
1. Tip from Tae Kwon Do :

The elbow is the strongest point

on your body.

If you are close enough to use it, do!
2. Learned this from a tourist guide.

If a robber asks for your wallet and/or purse,

DO NOT HAND IT TO HIM.

Toss it away from you....

Chances are that he is more interested

in your wallet and/or purse than you,

and he will go for the wallet/purse.

RUN LIKE MAD IN THE OTHER DIRECTION!

3. If you are ever thrown into the trunk of a car,

kick out the back tail lights and stick your arm out the hole

and start waving like crazy..

The driver won't see you, but everybody else will.

This has saved lives.

4. Women have a tendency to get into their cars

after shopping, eating, working, etc., and just sit

(doing their chequebook, or making a list, etc.

DON'T DO THIS!)

The predator will be watching you, and this

is the perfect opportunity for him to get in

on the passenger side, put a gun to your head,

and tell you where to go.

AS SOON AS YOU GET INTO YOUR CAR ,

LOCK THE DOORS AND LEAVE..

If someone

is in the car

with a gun

to your head

DO NOT DRIVE OFF,

Repeat:

DO NOT DRIVE OFF!

Instead gun the engine

and speed into anything, wrecking the car.

Your Air Bag will save you.

If the person is in the back seat

they will get the worst of it .

As soon as the car crashes

bail out and run.

It is better than having them find your body

in a remote location.

5. A few notes about getting

into your car in a parking lot,

or parking garage:

A.) Be aware:

look around you,

look into your car,

at the passenger side floor ,

and in the back seat

B.) If you are parked next to a big van,

enter your car from the passenger door.

Most serial killers attack their victims

by pulling them into their vans while the women

are attempting to get into their cars.

C.) Look at the car

parked on the driver's side of your vehicle,

and the passenger side... If a male is sitting alone

in the seat nearest your car, you may want to walk back

into the mall, or work, and get a

guard/policeman to walk you back out.

IT IS ALWAYS BETTER TO BE SAFE THAN SORRY. (And better paranoid than dead.)

6. ALWAYS take the elevator

instead of the stairs.

Stairwells are horrible places to be alone

and the perfect crime spot.

This is especially true at NIGHT!)

7. If the predator has a gun

and you are not under his control,

ALWAYS RUN!

The predator will only hit you (a running target)

4 in 100 times; and even then,

it most likely WILL NOT be a vital organ.

RUN, Preferably in a zig -zag pattern!

8. As women, we are always trying

to be sympathetic:

STOP

It may get you raped, or killed.

Ted Bundy, the serial killer, was a good-looking,

well educated man, who ALWAYS played

on the sympathies of unsuspecting women.

He walked with a cane, or a limp, and often

asked 'for help' into his vehicle or with his vehicle,

which is when he abducted
his next victim.

9. Another Safety Point:

Someone just told me that her friend heard

a crying baby on her porch the night before last,

and she called the police because it was late

and she thought it was weird.. The police told her

'Whatever you do, DO NOT

open the door..'

The lady then said that it sounded like the baby

had crawled near a window, and she was worried

that it would crawl to the street and get run over.

The policeman said, 'We already have a unit on the way,

whatever you do, DO NOT open the door.'

He told her that they think a serial killer

has a baby's cry recorded and uses it to coax

women out of their homes thinking that someone

dropped off a baby. He said they have not verified it,

but have had several calls by women saying that

they hear baby's cries outside their doors

when they're home alone at night.

10. Water scam!

If you wake up in the middle
of the night to hear all your taps outside running or what you think is a
burst pipe, DO NOT GO OUT TO INVESTIGATE! These people turn on all your
outside taps full ball so that you will go out to investigate and
then attack.

Stay alert, keep safe, and look out for your neighbours!

Please pass this on

This e-mail should probably be taken seriously because

the Crying Baby Theory was mentioned on

America 's Most Wanted when they profiled

the serial killer in Louisiana

I'd like you to forward this to all the women you know.

It may save a life. A candle is not dimmed by lighting another candle..

I was going to send this to the ladies only,

but guys, if you love your mothers, wives, sisters,daughters, etc.,

you may want to pass it onto them, as well.

Send this to any woman you know that may need

to be reminded that the world we live in has a lot of crazies in it

and it's better to be safe than sorry..

Everyone should take 5 minutes to read this. It may save your life or love one's life

Posted Saturday, September 26, 2009 3:17 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

New Desert Dwellers Realty, Sedona/Verde Valley Branch REALTOR® William Mesch (Bill)

Bill is a retired Custom Home & Commercial Builder. He lives in Sedona, AZ and works the Sedona/Verde Valley areas. Bill is here to serve you with the highest integrity and experience. www.SedonaDwellers.com is his web site that is under construction. Email him at Bill@SedonaDwellers.com with a big welcome.

Posted Thursday, March 26, 2009 9:49 PM by Sandra J. Steele, Branch Manager., REALTOR® S | 0 Comments

SANDRA'S MONTHLY NEWSLETTER

Subscribe to my lewsletter. Click on DesertDwellers@CableOne.net and type subscribe in the subject box.

It is informative and FUN too!. You will enjoy it.