Boris Smolgovsky - Insurance Broker

😍𝑳𝒆𝒕'𝒔 𝑴𝒂𝒌𝒆 𝑯𝒐𝒎𝒆 𝑳𝒐𝒂𝒏𝒔 𝑭𝒖𝒏 𝑨𝒈𝒂𝒊𝒏!
📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

𝑯𝒐𝒘 𝒕𝒐 𝑹𝒆𝒔𝒐𝒍𝒗𝒆 𝒂 𝑫𝒊𝒔𝒑𝒖𝒕𝒆 𝑾𝒊𝒕𝒉 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝑵𝒆𝒊𝒈𝒉𝒃𝒐𝒓𝒔
Unless you live pretty remotely, you probably have a neighbor somewhere. When people live in close proximity, sometimes there are disagreements—this is natural, and hopefully easily resolved. According to legal studies, about 42% of Americans report a conflict with neighbors, and those generally fall into four categories: noise, pets, unkempt property, and property boundaries.

𝘏𝘰𝘸 𝘵𝘰 𝘳𝘦𝘴𝘰𝘭𝘷𝘦 𝘯𝘦𝘪𝘨𝘩𝘣𝘰𝘳 𝘥𝘪𝘴𝘱𝘶𝘵𝘦𝘴 𝘣𝘦𝘧𝘰𝘳𝘦 𝘵𝘩𝘦𝘺 𝘦𝘴𝘤𝘢𝘭𝘢𝘵𝘦. Proaction is better than reaction, so having a relationship with your neighbor is the best way to head off disputes before they happen. The first step is to initiate a polite and cordial conversation with the neighbor. Be prepared with a proposed solution or compromise so that you can make suggestions. Try to approach the conversation at a time when everyone is calm and agreeable to talking. Be sure to take their perspective into consideration—every dispute has two sides, and a compromise means accepting both. Non-violent communication focuses on listening, rather than talking, and on trying to dig into each other’s needs, which can place an emphasis on equity rather than equality.

𝘈𝘭𝘸𝘢𝘺𝘴 𝘮𝘢𝘪𝘯𝘵𝘢𝘪𝘯 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘳𝘦𝘤𝘰𝘳𝘥𝘴. If your complaints are about specific incidents, take notes. Note the type of incident (with details), dates and times. You should also take notes of conversations with the neighbor or any attempts to resolve the dispute. This might help you later if you need to involve a mediator or prove that you acted in good faith.

𝘞𝘩𝘦𝘯 𝘪𝘵’𝘴 𝘵𝘪𝘮𝘦 𝘵𝘰 𝘦𝘴𝘤𝘢𝘭𝘢𝘵𝘦 𝘺𝘰𝘶𝘳 𝘥𝘪𝘴𝘱𝘶𝘵𝘦. Geniality won’t solve every issue, and sometimes these offenses rise above annoyance to real safety or property value issues. You might resolve your issue by bringing in a neutral third party (mediator or Home Owners Association) who can see things objectively. Sometimes it’s helpful to have a facilitator who can assist in reaching a mutually agreeable solution.

𝘒𝘯𝘰𝘸 𝘺𝘰𝘶𝘳 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘯𝘥 𝘢𝘱𝘱𝘭𝘪𝘤𝘢𝘣𝘭𝘦 𝘭𝘢𝘸𝘴 𝘢𝘯𝘥 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘪𝘰𝘯𝘴. If your homeowners association has rules or if there are local laws or ordinances applicable to the situation, be familiar with them. This can help if you believe your neighbor is violating a rule.
𝘒𝘦𝘦𝘱 𝘺𝘰𝘶𝘳 𝘤𝘰𝘰𝘭. Any conflict can become emotionally charged. In a neighbor dispute that might involve pets or children, this could be even more so. But if you lose your temper, it’s going to make it more difficult to reach resolution.

𝘔𝘢𝘬𝘦 𝘢 𝘳𝘦𝘱𝘰𝘳𝘵 𝘵𝘰 𝘭𝘰𝘤𝘢𝘭 𝘰𝘧𝘧𝘪𝘤𝘪𝘢𝘭𝘴. If the neighbor’s actions are illegal, causing property damage, or are safety hazards, you might need to involve local authorities. This is where documentation could be important. If you have photos or other evidence of illegal behavior, you can contact the appropriate municipal officer.

𝘊𝘰𝘯𝘴𝘶𝘭𝘵 with 𝘭𝘢𝘸𝘺𝘦𝘳. If the matter is a small injury or property loss, you can take your issue to small claims court. However, if you’re seeking some other relief, like an injunction or restraining order—or something different—a lawyer is the best person to ask about your options.
You can contact a lawyer to help you navigate & negotiate a dispute, even if it never leads to a lawsuit. This is particularly useful if you’re dealing with a toxic tort or premises liability claim, including a dog bite or similar, boundary disputes.

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

💥Fast, easy Mortgage Loan approvals and closing. 💯Funding every day, available to talk at any time. Call Boris Mortgage Now!

📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

😊 Are you ready for your Slice Of Home Ownership Happiness? Ready to Finance New Home or Refinance? 🎉

📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

🌨 Enjoy Your Rainy Friday and Happy Weekend! 😊
👌 Perfect days to DO HOME LOANS TOGETHER!
📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 BORIS SMOLGOVSKY , Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

🎉Happy Friday and Enjoy Long Weekend!😊
𝑨𝒍𝒘𝒂𝒚𝒔 𝑶𝒑𝒆𝒏 ⏰𝒕𝒐 𝒘𝒐𝒓𝒌 𝒐𝒏 𝒚𝒐𝒖𝒓 𝒉𝒐𝒎𝒆 𝒍𝒐𝒂𝒏𝒔. 𝑷𝒊𝒄𝒌 𝒖𝒑 𝒕𝒉𝒆 𝒑𝒉𝒐𝒏𝒆 𝒐𝒓 𝑫𝑴 𝑵𝑶𝑾!

📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

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💪𝐈 𝐡𝐚𝐯𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 𝐟𝐨𝐫 𝐆𝐫𝐞𝐚𝐭𝐞𝐬𝐭 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭!

📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

🎉𝑯𝒂𝒑𝒑𝒚 𝑭𝒓𝒊𝒅𝒂𝒚! 𝑯𝒆𝒍𝒍𝒐 𝑾𝒆𝒆𝒌𝒆𝒏𝒅 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝑳𝒐𝒂𝒏𝒔!💰 Open & Ready for preapprovals and consultations.

Interest Rates are DOWN, Don't Wait, Call Now!

☎ 𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.

𝐀𝐫𝐞 𝐘𝐨𝐮 𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐀𝐥𝐥 𝐘𝐨𝐮𝐫 𝐂𝐚𝐥𝐢𝐟𝐨𝐫𝐧𝐢𝐚 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐓𝐚𝐱 𝐁𝐫𝐞𝐚𝐤𝐬?
𝙃𝙤𝙬 𝙩𝙤 𝙊𝙥𝙩𝙞𝙢𝙞𝙯𝙚 𝙋𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙏𝙖𝙭 𝘼𝙨𝙨𝙚𝙨𝙨𝙢𝙚𝙣𝙩𝙨.
Either filing an appeal or claiming an exemption may reduce your CA property tax burden. If you own a CA home, you will want to ensure that you are not paying more property taxes than you must.
How can you reduce your CA property tax burden? There are two main methods (per laws known as Proposition 13, Proposition 58, and Proposition 19). The first is available to all homeowners. The second depends on whether you meet certain qualifications. If you meet those qualifications, you can seek tax relief using both methods.
𝑴𝒆𝒕𝒉𝒐𝒅 #1: 𝑨𝒑𝒑𝒆𝒂𝒍 𝒕𝒉𝒆 𝑻𝒂𝒙𝒂𝒃𝒍𝒆 𝑽𝒂𝒍𝒖𝒆 𝒐𝒇 𝒀𝒐𝒖𝒓 𝑯𝒐𝒎𝒆:
Each CA county tax assessors compute a homeowner's property tax by multiplying the home's taxable value by the applicable tax rate. The taxable value is set based on the purchase price, but county have the power to raise it by up to 2% each year in keeping with inflation, and to reassess value under certain circumstances. But mistakes can be. One of the primary ways to reduce your tax burden is by reducing the assessed value of the home- filing an appeal arguing that assessed value is less than assessed. The CA Board of Equalization offers a guide to the appeals process. It is time-consuming, but can be financially rewarding.
𝑴𝒆𝒕𝒉𝒐𝒅 #2: 𝑪𝒍𝒂𝒊𝒎 𝑨𝒍𝒍 𝑻𝒂𝒙 𝑩𝒓𝒆𝒂𝒌𝒔 𝒕𝒐 𝑾𝒉𝒊𝒄𝒉 𝒀𝒐𝒖'𝒓𝒆 𝑬𝒏𝒕𝒊𝒕𝒍𝒆𝒅:
- 𝘔𝘢𝘪𝘯 𝘳𝘦𝘴𝘪𝘥𝘦𝘯𝘤𝘦: The first $7,000 of the full value is exempt from property tax.
- 𝘝𝘦𝘵𝘦𝘳𝘢𝘯𝘴: May qualify for up to a $4,000 exemption, but under certain conditions.
- 𝘋𝘪𝘴𝘢𝘣𝘭𝘦𝘥 𝘷𝘦𝘵𝘦𝘳𝘢𝘯𝘴: The amount will depend on the age, income, and type of disability. The BOE's website includes a full description of this program
- 𝘚𝘦𝘯𝘪𝘰𝘳 𝘤𝘪𝘵𝘪𝘻𝘦𝘯𝘴 𝘸𝘩𝘰 𝘣𝘶𝘺 𝘢 𝘯𝘦𝘸 𝘊𝘢𝘭𝘪𝘧𝘰𝘳𝘯𝘪𝘢 𝘩𝘰𝘮𝘦: If you are 55 years old or older & sell your principal CA residence, you can transfer its base-year value to a new CA home.
- 𝘋𝘪𝘴𝘢𝘴𝘵𝘦𝘳 𝘳𝘦𝘭𝘪𝘦𝘧: If your home has been damaged/destroyed by a disaster, you qualify for a reduced assessment until home is repaired/restored.
- 𝘍𝘢𝘮𝘪𝘭𝘺 𝘵𝘳𝘢𝘯𝘴𝘧𝘦𝘳𝘴: If you acquired principal residence from parents or from children, it’ll not face a full reassessment. Also it applies if you acquired the home from grandparents, but only if both of parents are deceased.
Finally, depending on the complexity of your situation, you might wish to seek legal help.

𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant, Call 925-699-1210 OR DM 𝐅𝐎𝐑 𝐀𝐍𝐘 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍𝐒, 𝐏𝐑𝐄𝐀𝐏𝐏𝐑𝐎𝐕𝐀𝐋𝐒 𝐀𝐍𝐃 𝐅𝐑𝐄𝐄 𝐂𝐎𝐍𝐒𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒.