Tina To's Real Estate Blog

If you have a child at 8th grade like I do, you should be busy helping your child to enter his appropriate high school.  Most parents like myself have already got some help from the school counsellor or teachers or administrators of your child’s current school.  Having made a mistake with my elder son in choosing his high school, this time, I am spending more time to do my research.  Usually we (my son and I) can check schools through 3 ways:

1.  To check the websites of different schools

2.  To go to the school Open House

3.  Shadowing – shadowing means let your child shadow one student of the high school and join all the daily school regular activities including attending classes, go to recess, taking lunch etc.

There are basically 3 types of schools that all parents should consider.

1.  Public school – in San Francisco, Lowell High School ranks academically way higher than all other public school and will only consider straight A students application in their first round of “lottery” and then open to the second round of lottery which will include students from ALL – basically giving chance to those “handicapped” financially, academically, socially, racially.   There are also other highly favored public school boosted by their good academic results or other specialties.  For example, School of the Arts hold a very high Arts standard requirement beside academic results.  All candidates has to passed their board of examiners to study their chosen Arts area.  If your child plays piano very well and choose piano as their arts subject, then your child has to play one prepared piece (by memory) and then another piece by sight but was given by the examiner with no advance preparations allowed.  I have more insight of School of the Arts because my elder boy is graduated from there last year.

2.  Charter Schools – Charter Schools are public schools but have an independent administrative power to run their school in their own ways.  It is like an experimental school and usually starts from a small one.  For example, my younger boy’s current school , Rooftop, can also be considered as a Charter but it is named as alternative.  It is different from other public school in many ways.  First, the size is very small.  Each grade only has 60 students and at kindergarten and elementary level, each class has 20 students.  The students come from every where throughout San Francisco.  In addition to “standard” academic subjects, there are gardening, sensory motors and many different arts which usually integrated into the academic subject as well.  Rooftop originally starts from the roof only.  The recent Hot charter school is Gateway High School.  This year, Gateway also introduce its middle school.  However, if you are interested please check www.gatewayhigh.org.

3.  Private school

Each student can apply separately public school, charter school and private school.  In this way, your child will have at least 3 choices.  For me and my son we are still in the process of investigating different public and charter schools.  We have opted out private school for financial reasons.  Although there are scholarships or grants could be applied for students who like to attend private schools, I would not like my son to feel inferior.  By looking at the questionaires of the private schools and also Gateway High School, I feel that my son is not applying school, instead he is more like applying a very important job in the adult world.  The way both Toby and I interpretate the question is how can Toby and I contribute to Gateway so they may consider accept Toby.  What is good about Toby so that Gateway should take him as his student.  It sounds so ridiculous.  Also I do not believe the so called “lottery system”.  Lottery is just an excuse for the school to turn down one particular student’s application.

Schools play an extremely important role in the house price when the enrollment is giving priority to local residents but this had been slightly changed in the past few years.  I am a full time real estate agent and truly understand how the parent feel and will do for their children.  If you have any questions regarding schools or real estate, please contact me so that we can discuss.

Thank you for checking in.

Tina To

Cover of Plácido Domingo

 

Thanks to Rooftop School and being a proud parent, I have the opportunity to join my son Toby to see the Cyrano De Bergerac.  Honestly speaking, my son who attends 8th grade is not too interested in opera and so are a lot of his schoolmate.  I myself am also very green in this area.

The major lead is the famous Placido Domingo and of course, I am attracted.  It is a final run down performance and so it is free to all students and chaperons.  It is of course of the first class quality of everything: performance, voice, music, story.

I would encourage everybody to take this opportunity to see.  It will be held in San Francisco Opera as follows:

Sunday October 24, 2010 at 2pm

Wednesday, October 27 at &:30pm

Saturday, October 30 at 8pm

Tuesday, Novermber 2 at 8pm

Saturday, Novermber 6 at 2pm

Tuesday, November 9 at 7:30pm

Friday, November 12 at 8pm

Audiences are not allowed to take picture, so excusez-moi that I have no picture to post.  My personal opinion is when compared opera to Eastern opera (Chinese traditional one), I prefered the Chinese one because I feel it is more musical and the dance is very unique.

Please feel free to let me know how you feel if you have a chance to see the one I mentioned.

Related articles

• Plácido Domingo perfect to play Cyrano in S.F. (sfgate.com)
• San Francisco Symphony draws raves in Italy (sfgate.com)

Image via Wikipedia

 

What is APR, why it is different from the interest rate that my loan agent/bank representative disclosed to me?

Almost all the time APR is higher than the actual interest rate that the loan agent quote you.  APR is actually a sophisticated jargon that the Bank wants to intimidate/scare you?  Just joking.

Let me demonstrate how APR comes up and you will understand.

If I say I loan you $100 and you pay 5% interest so your interest payment is $5

But what if you pay $5 interest but I am giving you $90 because $10 is your closing cost, then now your interest rate will be: 90 divided by 5 x 100% = 5.5%

This is exactly how the bank calculate your APR.  But then you say I even pay points to lower my interest rate and how come my APR is even higher?  It is because then your closing cost is higher.  Instead of $10 closing cost, maybe now you are paying $20 closing cost so your interest rate is still 5% but your APR will be 6.25%.

Thank you for checking in.  I am a real estate agent specialized in San Francisco and Peninsular area and will be happy to help you buy or sell your house.

Last week I made use of free family pass again to go to Cartoon Arts Museum which is located at Mission and 2nd Street.  The standard charge for adult is $8 and for kid is $6.  It shows a good cartoon history and have a good deal of collection.  However, there is nothing hands on and not really too fascinating for the young kids.

However, it is free.  So have you tried yet?  If you live in San Francisco, go to any public library and see what is still available for the free activity that you can enjoy with your family within this week.

Go to http://www.sfkids.org/checkoutSF for detailed information.

Thank you for checking in with my blog.

I am a real estate agent who specified in San Francisco and Peninsular area.  I would like to share as much as I can all the interesting local information with you.

“Oh , we are experiencing the worst depression!”  ARE WE? ? ?

If you are Jewish and aged over 50, your parents may had been ran away from the Nazi Camp or forced to run away from homes.  If you came from China and aged over 50, you should have experienced the Cultural Revolution.  The point is if you asked those people, which period is worse, now or then?  What is your hinge?

Yes, we have a high unemployment rate.  Yes, a lot of people lost their homes because of foreclosure.  Yes, the government is keep on cutting budgets.  Yes, our economic growth is a negative figure or close to zero.   But how many years have our ancestors live a “simple” life before the Industrial Revolution kicked in?  Could we call those years the worst?  Would our ancestors said so?

During the 1929 depression, a lot of people hid themselves in the theaters and enjoyed the extra low ticket fee.  A lot of family actually felt those were the time they felt the closest as parents were jobless and had plenty of time with their children.  Can we still enjoy some of those side “benefits” today?

So, cheer up.  This is not the end of the world.  We are not at our worst period and so will not be tomorrow.

Thank you for checking in with my blog.  By the way, if you are thinking of making use this golden chance of low house price, low interest rate in San Francisco or Peninsular, feel free to contact me.  I have over 20 years experience helping people acquire their first home.

最近當我去借書時，無意間發現三藩市居民可以憑有效圖書証去取一個免費旅遊紙，圖書館職員會告訴你有什麼參加的單位尚有位讓你一家人（二位大人，四位低於１８歲小朋友）一起免費去的勝地。地點包括有：免費船河﹑科學館等。。詳細情形請上以下網頁www.SFPL.org/checkoutSF

Recently  I checked into the San Francisco public library and got a free family pass to enjoy an one hour boat ride to sail along the City’s waterfront.  It was spectacular to cross under the Golden Gate Bridge with my family.  The cool part is it is absolutely free and the pass would have cost $70.

Here is the deal:

Visit any San Francisco Public Library
Choose a Participating Attraction
Use your San Francisco Public Library Card to check out a Family Pass
Confirm the days and hours the selected Participating Attraction is open
Take the Family Pass to the Participating Attraction
Enjoy free entrance for 1 to 2 adults accompanied by 1 to 4 children
Program Valid through December 31, 2010

To check the availability of pass and participant attractions, please go to:

http://www.sfkids.org/content.aspx?id=12432

Important things to remember, each family can only get one pass per week and each library only carries one of each of the above attractions and it is of course on a first come first serve purpose.
So hurry and enjoy your free trip once a week with the whole family.

In case you are thinking of what you want to send your girlfriends/ motherfriends

you may like to send this one.  I recieved this one from my friend and I think it is amazing.  Please click onto “rising mother of the year” to see.

rising mother of the year

When I received the notice to appear for jury duty, I would say why me again, why not strike the lotter but the jury?  Fortunately, not all U.S. citizen react like me and some, in fact, welcome jury duty.

As a self-employed person like myself, I would not get any compensation from my boss?  I am my own boss!!!  That may explain one reason why I do not welcome to serve my jury duty.  However, today, I attended my annual jury duty.  ( I mean annually because I never miss one in any one year.)  I roughly counted and do a quick statistic about the attendees. In total, there are roughly 140 attendants, only 14% of paid employees ( I do this by observation that only 2 persons in a 14 persons roll asked for jury duty excuse paper to be submitted to their bosses) and another 14% are seniors (also by judging from their outlook).  So the rest of attendees are either self-employed or unemployed.

Lucky enough, I was allocated to the courtroom right away with about 69 others.  Another 31 attendees out of this 70 were selected randomly into the panel for further questioning about their suitability to be the jury.  The judge read out the case, introduce the prosecutor, the defendant, and the defendant’s attorney.  Also all names related to the case were read and any attendants who claimed to be related to these people would be excused.

This was a criminal case and no matter what when the case had not be finalized, we swore that we would not discuss it.  But this case will be ended in one week and it was a small case “a car was broken in and the owner claimed to lose$400, nobody was injured and the suspect was caught”.

When the group in the panel was questioned about their previous experience of vandalism, 10 out of the 30 had and some of them had been vandalized more than one time but still claimed that they would not be biased by their previous experience.  Do you think so??  If I were them and I had time, I would say the same thing too because I wanted to help to put justice to the victims including myself.  However, when I was later chosen, I declared myself not able to be fair and would be biased by my beliefs.  I believe the police had made great efforts to catch the suspect and provide proof, I would drop dead if the suspect was proved innocent no matter what.  In that sense, I will not be a fair judge.  I have preoccupied idea already.

To guard democracy and fairness, the government spends thousands of dollars trying their best to provide fair judge.  Some people think that is a waste of public money, some not.  What do you think?

By the time I posted this article, it had been one month from my jury duty date and should not be interfering with the court decision.

Have you ever forgot familiar words or names or the location of keys, eyeglasses or other everyday objects?  According to the Seven Stages of Alzheimer’s Disease from www.alz.org, the Alzheimer’s Association, this is the typlical symptom of the Second stage of Alzheimer.

Recently I have read a book “Jan’s Story” by Barry Petersen.  Barry’s wife has an early onset of Alzheimer at age 55.  But during the early stages. Barry had not taken the opportunity to go to places where they always wanted  to go, do things that they had longed to do because Barry thought he still have “time”.  However, Alzheimer’s disease really do not have a timeline and full of unknown, the disease can progress suddenly without any warning.  Barry regretted a lot but who does not.  I guess regarding this, Barry is not alone.  We always put up things that we think we still have time, aren’t we?

There is also another debatable issue that despite Barry and Jan had married for 20 years and love each others ever since, Barry was encouraged to look for a new partner, another sole mate.  This would be extremely difficult if Barry was in the Chinese society.  Traditional Chinese values eternal love and that eternal love means loyalty.  Barry should not physically depart his wife not mentioning mentally.  Barry also spells out clearly the meaning of marriage that is there is love between husband and wife and they take care each others, be each other’s soulmate.   This is a pretty high standard to uphold and  I think at least 50% of married couples had not reached.  Many couples are together out of needs but not out of love.   At least this is true to one of my friends’. 

What is your opinion regarding this?  If you have time, I would recommend you to read this book Jan’s Story by Barry Petersen which will come out in June 15, 2010.  (The one I read is Advance Reader’s Edition , meaning not finalized in editing and I bought it from the   Main Library in San Francisco.)