you and i as the homeowner.uy into an hoa community, ask that they provide you with the last 12 months of meeting minutes. if at all possible, try to attend an hoa meeting before you purchase. and talk to some of the neighbors. get an idea. how is the board? are they cooperative? are they trying to help homeowners? or is there a lot of politics involved? we all know that can happen. don't just look at the maintenance fees or the monthly dues before deciding to sign on. look at things like what is the condition of the community you're buying into? have they been skimping on maintenance and not making capital improvements? those things are not likely to suddenly get better. ask for a copy of the insurance declaration page. this will drive them crazy. look at what the hoa's paying for. look at the cc&rs. what do they say? ask your own insurance agent for their opinion on what the hoa's responsible for and what you're responsible for. buying a property in an hoa, add into your offer that the owner warrants that the

so a bank makes a loan to a homeowner that the homeowner perhaps doesn't have the sophistication that the banker sitting across the table has. doesn't quite understand what the teaser rate will mean to the cost of her house. doesn't -- the bank doesn't do the escrow, adding home insurance and taxes. and the bank convinces this homeowner, prospective homeowner, the borrower that she can make these payments, there will be no problem. then she loses her right to action. if she foreclosed on. she has no recourse, even though the bank sold her on something that a good banker wouldn't do. it's a recipe for disaster. it's a recipe for more families ending up in homes that are misled and thinking they could afford. is it too much to ask a lender to consider whether a family could afford the lending it's getting? are we back here already? the cherry on top is this bill eliminates data we need to determine if banks are targeting certain communities for these risky loans. we know this administration, we know the heads of departments are not concerned about accountability for financial institutio

to buy it but you can buy a policy. >> am i covered with homeowners insurance. >> no california homeowners understand their homeowners insurance doesn't cover earthquake they need a separate policy if you're an shiners you can get the earthquake insurance policy. >> so explain why it is for the c e a is deft if a traditional insurance agency. >> irreverent so in the 80s the state of california passed a law that requires any company that writes the policies to over earthquake insurance the homeowners are not required by commissioner cranshaw can bye there was so much loss they were going to stop writing the insurance policies for earthquakes they wanted to stop a serious insurance policy. >> we're talking about the homeownership's buying the earthquake shiners but 70 percent are renters what's my opposite. >> the option for renter the earthquake be insurance company is affordable i think people don't realize just exactly what it covers it covers damaged property but loss of use if you have to be under a building they have a quarter main that was broken as well as emergency repair if interes

the homeowner loses the right to take the bank to court from removing the home and even though they made a hom the homet you shake itat never repay so te homeowner perhaps doesn't have a sophisticatiosophistication intr sitting across the table has doesn't quite understand what the teaser rate will be. doesn't then the bank do the escrow and convinces the homeowner or the borrower she can make the payments into there willes be no problem and loses e right to action. she has no recourse. it's a recipe for disaster and ending up ined homes that are misled. is it too much to ask a lender to consider whether a family could afford one in that it's getting, are we back here already to determine if they are targeting certain communities for these loans. we know the heads of the department are not concerned about accountability for the financial institutions equity and blending inclusivity. we learned that they are considering changing its mission statement to delete the references to the communities. particularly on the communities that are solved and ignored in this town. the bill reduces the

. >> the homeowner found the grenades in her basement. police shut down the area near the san jose country club. >> a bomb squad came in and took care of the explosives. katie? >> reporter: the woman who owns the home behind us found those grenades getting ready for an es kate sale. we talked with the woman and she said it was a scary moment for all of them. sky 7 captured the moment the incident came to an end. the bomb squad detonated live grenades in the backyard of a home. the homeowner found the devices. >> there were five grenades. two were smoke and three were alive. >> reporter: this woman said she was organizing the estate sale for the homeowner. >> she was shaking like crazy because she was upset they were real. i almost fell over, because we handled them and we didn't know if they were real or not. >> reporter: they called authorities and deputies responded. they closed down streets and evacuated ten homes. >> it's really scary to know that someone has that kind of stuff in their home. >> maybe it's just memorabilia or somethin

we concur that most bay crest homeowners and homeowners and residents in nearby buildings believe that the current brick design is not the right one for this parcel. we believe that the current -- we believe there will be dire environmental conditions to the already existing affordable housing that baycrest provides. i know that some of the neighbors would like a pretty building to look at, and we would like that, too, but we would like the right development to go in there, and a building that will not cause harm. this is a singular situation because it's very unusual and alarming that 430 main is actually so close to the bay bridge, but also is attempting to fill this small parcel with so many units, and it will completely block baycrest courtyards. we're not talking about views, we're just talking about our health and environmental concerns. so please know that baycrest is looking for a win-win situation. we believe a two-tower design will allow lite and air flow to our current courtyard, which would solve or environmental issues. we vehemently oppose the current design because it wi

. >> the homeowner found the grenades in her basement. police shut down the area near the san jose country club. >> a bomb squad came in and took care of the explosives. katie? >> reporter: the woman who owns the home behind us found those grenades getting ready for an es kate sale. we talked with the woman and she said it was a scary moment for all of them. sky 7 captured the moment the incident came to an end. the bomb squad detonated live grenades in the backyard of a home. the homeowner found the devices. >> there were five grenades. two were smoke and three were alive. >> reporter: this woman said she was organizing the estate sale for the homeowner. >> she was shaking like crazy because she was upset they were real. i almost fell over, because we handled them and we didn't know if they were real or not. >> reporter: they called authorities and deputies responded. they closed down streets and evacuated ten homes. >> it's really scary to know that someone has that kind of stuff in their home. >> maybe it's just memorabilia or somethin

. >> new data shows just how hard that tax law is hitting bay area homeowners. in fact one city has the biggest losses in the country. >>> how a book of poems is raising money and bringing people together too. >>> i'm meteorologist drew tuma, a mild evening out there tonight, but we're going to be tracking some light showers for some. the timing in your forecast. >>> your vote, really important, you got to get ready to decide m&m's . >>> the bay area is already home to one of the most expensive real estate markets in the country. but under the new federal tax code, homeowners will receive even less tax benefits this year. researchers looked a it the entire country and found that san jose could get hit the hardest. chris has the story from silicon valley. >> reporter: the local real estate market can be hard to navigate, but changes to the federal tax code could make it even tougher to buy. mortgage interest deductions on new loans are now capped on $750,000 and for state and local taxes $10,000 is the maximum deduction. the new code also doubles the standard ded

. >> a lot of new homeowners especially are paying extraordinary amounts of rent. >> so now the tide be about to turn again. >> we're seeing individuals that had to rent starting to come back into the marketplace to purchase. >> how do you know if you should rent or buy? financial decision in your life, i think that requires a lot of thought, uh, a lot of planning, and a lot of consultation. >> first of all, you have to really evaluate your situation to see where you do stand financially. >> getting with that mortgage person early on is -- is very important. they can look at your credit scores. they can look at, um, you know, your history of income. >> take the time to do a buy-versus-rent comparison, factoring in your specific circumstance. >> what are your needs for your family, for you? is it a good school district? do you prefer a pool? what do you want out of the home? and then let's talk about what you can afford. >> realtor.com has a rent-versus-buy calculation where you can input the location you're looking at, a potential purchase price, and a potential rent. >> take care of

you have to do your own due diligence as a homeowner.ssionals to find out what programs are out there to be able to try to save your home. they're still there. be very aggressive in finding out what is still available to save your home. >> i think people need to take responsibility and not act fast. >> the one thing that i try to tell people all the time is they got to ask. go to professionals, ask. go to lenders, ask what programs are out there. find competent brokers, real-estate brokers. find out what's going with the property. and also, really try to understand the different kind of loans. congratulations on your decision. you did good. >> thank you. >> up next, the massi memo with information on refinancing that you can't afford to miss, so stick around. [ woman vocalizing ] liberty mutual stood with me when this guy got a flat tire in the middle of the night, so he got home safe. yeah, my dad says our insurance doesn't have that. what?! you can leave worry behind when liberty stands with you™. liberty mutual insurance. that's it. i

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you have to do your own due diligence as a homeowner.tions of the proper professionals to find out what programs are out there to be able to try to save your home. they're still there. be very aggressive in finding out what is still available to save your home. >> i think people need to take responsibility and not act fast. >> the one thing that i try to tell people all the time is they got to ask. go to professionals, ask. go to lenders, ask what programs are out there. find competent brokers, real-estate brokers. find out what's going with the property. and also, really try to understand the different kind of loans. congratulations on your decision. you did good. >> thank you. >> up next, the massi memo with information on refinancing that you can't afford to miss, so stick around. [ woman vocalizing ] (female vo) breaking news from washington as lawmakers; (male vo) raging wildfires continue to scorch parts; (male vo) allegations of misconduct; ♪ oh, why you look so sad, ♪ the tea are in your eyes, mvo: how hard is it just to take som

so a bank makes a loan to a homeowner that the homeowner perhaps doesn't have the sophistication that the banker sitting across the table has. doesn't quite understand what the teaser rate will mean to the cost of her house. doesn't -- the bank doesn't do the escrow, adding home insurance and taxes. and the bank convinces this homeowner, prospective homeowner, the borrower that she can make these payments, there will be no problem. then she loses her right to action. if she foreclosed on. she has no recourse, even though the bank sold her on something that a good banker wouldn't do. it's a recipe for disaster. it's a recipe for more families ending up in homes that are misled and thinking they could afford. is it too much to ask a lender to consider whether a family could afford the lending it's getting? are we back here already? the cherry on top is this bill eliminates data we need to determine if banks are targeting certain communities for these risky loans. we know this administration, we know the heads of departments are not concerned about accountability for financial institutio

a dog alert the homeowner but ben slaughter said his dog's barking didn't faze the lions.at one point, one of them swatted at the other. >> they were growling at each other, but, like, it seemed like there was some sort of, like, weird maybe, like, heat going on between them? we were, like, joking that they were like a married couple fighting. >> researchers who study mountain lions in the region say they could be "in love." >>> a winter storm is pounding the northeast a week after another storm hit in the same area. forecasters expect high winds and snowfall totals that could top a foot in some places. major cities including new york and philadelphia could get nine inches, around 100,000 people are still without electricity from the first storm. coastal areas are bracing for possible floods especially massachusetts residents and some homeowners are worried about losing everything. >> i worked my whole life for this. i have worked really hard for it and, you know, it's gone in one day. it's devastating. >> it's expected that at some point we may have snow falling at the ra

a lifelong renter. >> i would like to actually become a homeowner, you know?and stop putting my finances into bags with holes.>> reporter: the alliances in charge of giving up the money. there is income qualification. >> pricing is still favorable to buy. we have to work with it. >> reporter: a report says the median price for a single hemi Ãmixing a family home here is $400,000 -- over $400,000. >> that's a bit too difficult.>> reporter: all here hope to change their status from renter to owner. >> i'm just looking forward to becoming a homeowner and i will bless that everywhere i go. >> reporter: of the money is first come first serve and they only have enough for the first 100 qualified people. people will be turning in their applications within the next few days. >> anyone interested in the program can contact the bay area affordable homeownership alliance. >>> and hayward, two rvs go up in flames, sending thick black smoke in the air. there was a small carnival going on in the parking lot nearby. as you can see, there was major damage to the trailers. fir

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at least you don't have to worry about homeowners insurance. call geico.. helps with... homeowners insurance? been doing it for years. i'm calling geico right now. good idea! get to know geico. and see how easy homeowners and renters insurance can be. (phone) maddie... you have everything you need right inside you. 9 out of 10 u.s. olympians grew up drinking milk. it's got natural protein and balanced nutrition to help your kids grow strong and milk life. internet providers promise business owners a lot. let's see who delivers more. comcast business offers fast gig-speeds across our network. at&t doesn't. we offer more complete reliability with up to 8 hours of 4g wireless network backup. at&t, no way. we offer 35 voice features and solutions that grow with your business. at&t, not so much. we give you 75 mbps for $59.95. that's more speed than at&t's comparable bundle, for less. call today. >>> coast-to-coast across the united states and live around the world this hour, you're watching "cnn newsroom." it is always a pleasure to have you with us. i'm georg

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. >> chris: we'll be back with a very short final word. ave a homeowners claim last year so allstate is giving us money back on our bill. well, that seems fair. we didn't use it. wish we got money back on gym memberships. get money back hilarious. with claim-free rewards. switching to allstate is worth it.

and what the homeowners are doing to prevent the suspect from coming back... (vicki) plus...al 'cat cafe' robbed and a cat who was up for adoption goes missing... hear how you can help the staff out. (steve) and after the break.. new ad's have been posted up at some bart stations... but not everyone likes them... find out what they say that is causing quite a controversy.. (vicki)new at 9 -an advertisement posted across bart stations claims a visa is to blame for taking tech jobs away from americans and giving them to foreigners.kron4's ella sogomonian is live in the newsroom with more on the ad...ella what does it say? the ad is taking on the 'h-1-b' law claiming is costing americans tech jobs that are going to foreign talent. but recruiters fight back saying the visa isn't the problem - that instead there aren't enough u.s. citizens to meet a great demand. an advertisement at bart stations aims at u.s. tech workers claiming quote "your companies think you're expensive, underserving, and expendable..." before going on to address congress demanding they "fix the h1b law so co

jesse: everybody knows it's a homeowner.hen the plummer or electrician comes over, you are taking out hundreds of dollars in cash. you are writing a check. sometimes it's $1,200, $1,400 a visit. that's real money to a lot of people. like you said, it doesn't require going to business school or graduate school. and there is good money in those businesses, and there is nothing to look down on those jobs for. >> not just good money in the job itself. the onramp into small businesses so often begins -- it starts with the mastery of a trade. i spend a lot of time talking with a lot of ceos in big companies, and it will drill down to how did it start. so many of these men and women have stories that originate with the mastery of a skill that was in demand. when we started knocking the lower rubs off of the ladder or the rungs we think of as lower, we make it impossible to climb. i think it's the tragedy of our times. we have so many well educated people who are not trained or prepared for the opportunities that actually exist. tha

what experts say all homeowners should do once a year. >> now we await nor'easter number two.s one could dump a lot more snow than the last one. why are march storms so common in our region. >> here's a live look in center city. it is the calm before the storm. meteorologist kate bilo returns with an update. when we can expect the worst of it whe >> a man is under arrest tonight. police say he stole an oscar statuette after an the awards ceremony. a photographer followed him because he didn't recognize him as a winner. when he was confronted he handed back the statuette without a fight. >> pennsylvania's attorney general is suing uber after a massive data breach. the lawsuit claims it broke state law when it failed to notify thousands of uber drivers for a year that hackers stole their personal information. in november uber admitted it covered up a data breach that affected a total of 57 million drivers and passengers. washington state and chicago have also filed lawsuits. >> the powerful nor'easter that trail of downed trees. they not only knocked out powerlines but composed

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at least you don't have to worry about homeowners insurance. call geico.co... helps with... homeowners insurance? been doing it for years. i'm calling geico right now. good idea! get to know geico. and see how easy homeowners and renters insurance can be. maria: welcome back. a look at big market event coming up in the week ahead that could impact your money and of course we kick it off with economic money. dallas manufacturing survey, also earnings reports for red hat and paychecks. next week tuesday, market movers, home price index and consumer confidence report will be out, along with earnings from brand names like sonic and ihs market. also wednesday we get the latest real gdp numbers, pending home sales, also blackberry, walgreen's reporting earnings. the markets are closed on friday for the good friday holiday ahead of the easter holiday and then on thursday we end the shortened trading week with the latest economic data on initial claims, personal income, the chicago purchasers management indicator and the consumer sentiment report out. earningout.c

almost $5 billion in taxpayer bailout money they promised to help homeowners and then tossed application forms on to a file that was so big it made the floor buckle and now this congress is offering to help us loosen the oversight on databa databank. there's a $132 billion in assets by this bill. less than a year ago grabbed by the attorney general of massachusetts of delaware for funding auto loans if new customers couldn't repay using paper work they knew was doctored and now the congress is helping hussein oversight. then there's the financial institutions that are caught discriminating. allied financial has 164 billion in assets that would be cut loose by this bill and in 2013, allied financial page $98 million to settle charges that it discriminated against minority borrowers in providing auto loans. it was actually pretty straightforward they charged african-americans and latinos more than white people. it was huge. 235,000 nonwhite borrowers paid on average 200 to $300 more than white borrowers with similar credit profiles and now this congress is offering to help loosen oversight

what experts say all homeowners should do once a year. >> now we await nor'easter number two. this one could dump a lot more snow than the last one. why are march storms so common in our region. >> here's a live look in center city. it is the calm before the storm. meteorologist kate bilo returns with an update. when we can expect the worst of >> a man is under arrest tonight. police say he stole an oscar statuette after an the awards ceremony. a photographer followed him because he didn't recognize him as a winner. when he was confronted he handed back the statuette without a fight. >> pennsylvania's attorney general is suing uber after a massive data breach. the lawsuit claims it broke state law when it failed to notify thousands of uber drivers for a year that hackers stole their personal information. in november uber admitted it covered up a data breach that affected a total of 57 million drivers and passengers. washington state and chicago have also filed lawsuits. >> the powerful nor'easter that blew through our area left a trail of downed trees. they not only knocked ou

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at least you don't have to worry about homeowners insurance. call geico.eico... helps with... homeowners insurance? been doing it for years. i'm calling geico right now. good idea! get to know geico. and see how easy homeowners and renters insurance can be. >>> welcome back to foichl as the s&p climbs back from the february lows some stocks are going parabolic, soaring to record highs despite all the volatility for more we go to dominic chu. >> well of course i'm high on life, melissa, i get to work with the "fast money" team all of us here at cnbc on a daily basis, yes i'm high on life the overall market seems to be in a consolidation phase there is a 50 day moving average in the s&p 500 there are a handful of larger cap stocks that found a way to get back to recent highs and extent themselves above their longer term trend prices we looked at a s&p 500 turns out there are 40 stocks trading within 2% of their at least 52 week highs or per among those, half of them, at least 20% above their 200 day average price. among the stand outs in that list of 20 comp

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it's how the homeowner managed to track down the burglar that is catching attention. nbc bay area's asure innousha rs more. >> reporter: police tell us he stole electronics and jewelry. one of the homeowners wasn't going to give up on finding him. 24-year-old victor bell's arrest didn't happen through typical police work. >> outstanding work by the victims in each case that gave information to the police that led us to him. >> reporter: bell is accused of burglarizing two homes. one in redwood city and the other in east palo alto. >> he was on parole for residential burglary at the time. >> reporter: police say in both recent cases, the homeowner's surveillance cameras caught him on the properties. the east palo alto victim posted this screenshot online to find out the man's identity. the san mateo county district attorney says the homeowner learned the man is a local rapper from redwood city known as money 500 who brags about burglarizing homes in this rap video on youtube. >> when defendants do this type of action, they're stupid. that's just a stupid act. we view t

now, on today's show, we're going to meet homeowners from all over the bay area who are just like you, except for one thing. they have a brand new kitchen experts kitchen. we're going to meet lynn and randy salazar. they lived in their home for 25 years. they rented it out for 18 years, then they came back to live in it, but lynn said, "no, we're not moving back in that home "until the kitchen is updated." so, they went to another kitchen company, finally ended up with kitchen experts. we'll tell their story. you're not going to believe it. we're also going to meet senior designer johnny. see a lot of before and after stunning photos you don't want to miss. and we're going to tell you why homeowners all across the bay area are choosing kitchen experts of california. so, sit back and relax for the next 30 minutes. we're going to show you how you can get your dream kitchen and become one of our special homeowners. coming up on today's kitchen experts show, why homeowners are choosing kitchen experts over other companies. - i think the difference was he's a designer.

nbc's robert handa has the exclusive story and the response from a lot of angry homeowners. robert? >> reporter: well, that's right. it's actually surprising to see how many large, unsightly vehicles there are around. take a look at this one here that neighbors say has been sitting for about a week. they also say despite all their complaining, some vehicles aren't going anywhere. rob is fed up. he lives off 28th street near downtown san jose. he says he's had to look at this abandoned rv near his home for two weeks. >> it's an eyesore, definitely not pretty to look at. >> reporter: have you complained about it? >> yes. police came out and made an effort to deal with it. but nobody wants to deal with it. >> reporter: it's an increasingly common problem. the roosevelt neighborhood association says it complains, vehicles are tagged, sometimes cited, and that's it. >> the contractor tow company for our area refused to take an ba abandoned motor home because they don't have room. >> reporter: homeowners say that's not their problem. the vehicles are. >> get the vehicles out of here, inst

maine's property tax people, homeowners, need a break. we, you and i, need to make sure that the large foundations, the natural resource council of maine who are ripping off the landowner in the state of maine need to step up to the plate. they can put all the land they want in conservation, but they have to contribute to society. [ applause ] it's going to be the same thing as last year. all those who have exercises during the course of this meeting, you're welcome to the blaine house. the rest of you, you know, you got to break a sweat sometimes. we propose allowing municipalities to collect property taxes or fees from large nonprofit entities, and we've tried to require land trusts to contribute to the tax rolls. we have been met with staunch resistance from the democrats. now, let's talk about this. let's think outside the box. tough problems need tough decisions and tough solutions. i don't walk away from tough decisions, and i think i've proven it many times, even this last weekend. and i'm not embarrassed to tell you it's the right

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we were newly married, excited to be first time homeowners, and excited to have a house to build a family together in the city we both were born and raised in. we planned to rhenvaowe vat rer home. we have every intention of living in this home and making it our forever home. from early on in this process, mr. clarke has raised a series of issues related to windows, leveeing a number of complaints on the property. mr. clarke owns and rented out 1421 ulloa, and we understand mr. clarke tried to purchase our home from its prior owner. it's unclear to us what his end game is, but appears to slow us down, wherever property, leveeing a series of complaints against our property. i would note that he has a number of large windows on the west siding face of his property -- >> overhead, please. >> overhead, please. >> yeah. >> by our count, eight windows and a door. he has had issues with us -- he has had issues with us having windows on the side of our house regardless of the size or location, and told us recently that he didn't want us to have any windows on the side of our house, that we would,

the homeowner says the packages were for his son. the homeowner says he installed the camera as a precautionary measure.. and he says this is the first time his packages have been stolen. ( robin )we're learning more about the suspect in the deadly texas bombings. authorities say 23-year-old ámark anthony condittá blew himself up as police closed in on his location. although the suspect is dead... many like former f.b.i agent rick smith... wonder why conditt did it. kron 4's j.r. stone reports. 23 year old mark anthony conditt is beleved to be responsible for at least five explosions that killed two and injured five others in texas. police say conditt's confession was found on his cell phone. sot i'm not sure what this person's motive was but obvioulsy it was terror he was able to terrorize austin. that's former f-b-i agent and current private investigator rick smith who works in san francisco. smith says the evidence was likely building as bombs continued to be sent out.sot there's receipts there's internet postings there's eyewitne

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the homeowner apparentlyhad homeowner apparentlyhad no idea she had live grenades in her home.but once she found them, she did the right thing and called authorities.pkg there were 5 grenades. 2 were smoke and 3 were live.the home's estate dealer tells us, the homeowner hasn't lived here in years.it was empty for 2 years. she doesn't know if someone brought them in. she had no idea. she didn't know they were live. she carried them out like it was no big deal. she was all upset thinking they were real.the house is in the process of being sold and the owner was trying to get everything out for the estate sale when she found the grenades in her basement. her estate dealer says she has no idea how they got into the home, but as soon as she found them she alerted the sheriff's office.i almost fell over cuz we didn't know if they were real or not and so we put them down just in casethe bomb squad came out and detonated the grenades. the home is on a secluded property, so none of it was visible to the public.however the smell was quite strong , well after the scene was cleared. the tells us t

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