JANUARY 28, 2011
EDUCATION
Adams from page 6A Stephanie Rodriguez Juarez, Taryn Roloff, Esmeralda Rosales, Alicia Rubio, Diego Rubio, Ariana Samimi, Briana Sanders, Catherine Satre, Manminder Shergill, Paul Simpson, Mireya Smith, Lyian Soria, Hannah Steinhauer, Hamza Sultan, Ryan Taylor, Joseph Thompson, Meghan Troy, Megan Vallee, Browen Van Steenwyk, Jared Van Vlack, Madeline Vanderheid Nye, Ria Vano, Kaylie Varner, Jade Voong, Veronika Wallace, Heavenn Waller, Amanda Wannamaker, Lyndsey Wernholm, Wade Willet, Kavon Wise, Marissa Woerner, Adele Wong, Trevor Worrell, Kassaundra Wright, Rachel Ybarra, Dominic Young, Kimiko Zapanta and Tricia Zhou. Seventh grade: Danielle Absin, Noelani Akana, Matthew Allred, Ava Alvarez, Haaris Amirie, Isabela Angus, Samantha Armenta, Jaymie Arnold, Suryah Aryaei, Sounbol Azamey, Remy Bidmead, Lauren Bourque, Sherikat Braimah, Joshua Brennan, Nicole Brennick, Vitaliya Buynevich, Emily Carcot, Kamren Carey, Corinne Carson, Celine Castano, Antonio Chavez, Kevin Chen, Adeline Gabriell Diaz, Cristian Diaz, Carlos Escobar, Jie Ru Feng, Iris Anne Fermin, Tesla Fox, Christine Fredrickson, Kereshma Ghani, Jannie Marie Gutierrez, Geneva Hamilton, Daijah Harvey, Ethan Heinrich, Jacob Henebury, Lynzie Hudson, Chelsey Huezo, Kelly Hunt, Gianna Jenkins, Miles Johnston, Chandler Johnston Sweany, Bailey Kaczmarczyk, Ryan Kelley, Heather Kenney Mariano, Jennifer Landreth, Emma Linney, Samantha Lord, Annalise Lyons, Danika Maligro, Joshua Martin, Summer Matthiessen, Hannah May, Danielle Milton, Seann Moser, Adrian Nario, Amanda Nguyen, Kevin Nguyen, Megan O Farrell, Ayo Ogunfunmi, Adan Ortega, Sarah Palmer, Matthew Petures, Adriano Piazza, Gianna Policastro, Amy Probst, Sabrina Ramirez, Michael Renna, Vincent Reyes, Lyvin Reyes, Kylie Riddle, Celia Rivera, Justus Rivera, Allison Rohlfs, Olivia Sanabria, Benjamin Sheehan, Jagminder Shergill, Natania Silot, Delaney Sparling, Riley Sterpka, Katrina Sudweeks,
R IDE
AND
W IN
Brandon Tatum, Hussain Taymuree, Kristyna Thompson, Hannah Toelkes, Jayden Tolentino, Tianna Treichelt, Erinn Vanier, Giulia Vardanega, Sydney Veuve, Marcus Wallace, Joshua Watts, Shannon Wilson, Brooke Winham, Benjamin Withers, Lillina Woldemariam and Jake Wulf. Eighth grade: Nicholas Ackley, Rochelle Anne Alim, Chukwusom Amete, Jayme Angelo, Joseph Awwad, Matthew Balocco, Austin Barcus, Madysson Belden, Emily Blackburn, Madeline Blaise, Paige Bowen, Matthew Bryant, Cailey Burns, Dalton Chamberlain, Milan Chandler, Andrea Cliscagne, Jeremy Cook, Sebastian Cuevas, Bryanna Daniels, Elijah de Guia, Dominic Diaz, Danielle Dickerson, Brittany Dryer, Dorian Duggins, Ayah Elshaer, Michael Jeremiah Eseed, Pardis Fattahi, Sarah Formato, Emily Gil, Madison Gonzales, Viviana Gonzalez, Danielle Gregory, Nathan Grovhoug, Juan Paolo Gutierrez, Juan Gutierrez, Alaina Halter, Annalise Hanel, Devanni Harper, Michael Hary, Justin Hendrix, Danielle Marie Herrera, Alejandra Hinojosa, Elizabeth Huezo, Robert Hunsinger, Tyler Karg, Rachel Kennealy, Quyenh Le, Sarah Lefebvre, Nicole Loeffler, Parker Mace, Asheela Magwili, Madison Martin, Gabriel Medina, Caleb Michael, Matthew Mucha, Janice Nam, Benjamin Needham, Jesse Nicolas, Ashley Nightingale, Ann Jellica Nubla, Brigitte Nunez, Andrew O Neil, Dominique Odon, Sylvia Ofodu, Olulani Oisaghie, Justine Okaforize, Zaenab Onipede, Ijemma Onwuzulike, Juan Carlos Orantes, Cassandra Ostergard, Sriram Padavettan, Brody Patterson, Reyna Pena, Ashley Potts, Olivia Quadros, Elijah Ragasa, Nikko Ramirez, Carina Renteria, Cory Reyburn, Melissa Robbins, Caroline Roberts, Ron Dominick Rubio, Aleysia Santiago, Erica Santiesteban, Ivana Satre, Charles Sides, Tyler Slous, Jaeda Smith, Victoria Solis, Ryan Stubo, Noah Tan, Cameron Taylor, Hafiz Taymuree, Matthew Threde, Lareana Toralba, Taylor Underhile, Taylor Van Vlalck, Isabella Vardanega, Lauren Velasquez, Cameron Villalpando, Brandon Vonderhaar, Adam Vosicka, Riley Warner and Mohammed Wase.
AN I P OD •
N ANO !
Riding Tri Delta Transit has lots of benefits: • Saves money • Protects the environment • Eases traffic congestion • And now GREAT PRIZES!!! Ride any Tri Delta Transit bus or visit our new mobile web site between December 1, 2010 and February 28, 2011 and you could win an iPod Nano. Other prizes include gift cards and free bus passes.
WHERE/HOW TO ENTER Look for sweepstakes entry forms in your February ValPak mailer or visit our new mobile web site at www.trideltatransit.com/mobile to enter via text message.
CHECK OUT OUR MOBILE WEB SITE F O R A N O T H E R C H A N C E TO W I N For an additional chance to win the iPod Sweepstakes, visit our new mobile web site for the iPod Sweepstakes keyword. Text the sweepstakes keyword to 83936 and increase your chances of winning!* Just go to www.trideltatransit.com/mobile and click on “schedules” to find the iPod sweepstakes keyword. • 14 local weekday routes • Route 300 limited-stop express service between Brentwood, Antioch, Oakley and BART (weekdays) • 3 local weekend routes
• Luxury Commuter Service to Dublin BART and Pleasanton • Local Park & Ride lots with plenty of free parking • And much more!
ValPak entry forms are not passes to ride the bus. Last day to enter is February 28, 2011. Winners selected by random drawing on or around March 30, 2011. Odds of wining depend upon number of entries received. Entering the contest does not guarantee that you will win a prize. Drivers will accept a maximum one ValPak entry form per person per boarding and will accept entries from non-riders (photocopies not accepted). No purchase or payment is necessary in order to enter the contest. Current bus fares apply to those who choose to ride the bus. *Standard text messaging rates apply.
THEPRESS.NET
|
7A
IBANEZ RULING COULD BE HUGE An interesting court case was decided on Jan. 7 of this year in Massachusetts after years of litigation, and it did NOT go well for the banks. This could be nothing, or it could have a HUGE impact on our real estate industry for the next decade to come. The basics of the case is that it was a foreclosure that was being contested by the homeowner. The mortgage had been sold many times, as many are. It turns out that the lender had been, let’s say, a little sloppy in doing all the paperwork correctly each time the mortgage was sold. They were so sloppy, in fact, that many times when the mortgage was sold, they would leave the name section blank of who they were selling it to, since it changed hands so rapidly. It’s like selling a car multiple times, and just passing the car title along each time in blank without recording each transaction with the DMV. Saves time and also saves all those pesky recording fees. What happened in this case is that they kept passing it on blank from one investor to the next, and then almost a year AFTER the foreclosure started they finally tried to record the sale of the mortgage to the foreclosing investor.
This case went all the way to the Massachusetts Supreme Court. And they ruled that the lender did NOT have legal standing to foreclose since they did not have a perfected legal ownership right in the mortgage. One of the justices even commented on “the utter carelessness” of the banks in this matter. The basic idea here is that lenders have to prove they own the mortgage before they can foreclose. And in many cases, they are going to have a hard time doing that. It remains to be seen if other courts in other states will make similar rulings, but it’s possible this is the precedent-setting case to set the tone for future lawsuits. This does NOT mean we are all about to get free and clear homes. In most cases, the foreclosure can re-commence once the paperwork is straightened out. But that takes time, so this may lead to more delays in foreclosures. It’s also another reason for them to work on loan mods and short sales instead of risking legal challenges to foreclosures. If you have questions on this or any other real estate topic, call me at (925) 240-MOVE (6683). To search the MLS for free and view virtual tours of homes for sale, go to: www.SharpHomesOnline. com. Sharp Realty
– Advertisement
Window Seat Gallery Portraits · Landscapes · Special Orders
Jo Cotarelo 757-3761
Pictures make great gifts!