IGOR_0116

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Prize to be awarded by a drawing of all entries. Drawing to be held February 26, 2016. Winner need not be present. Odds of winning are 1 in 1,000. No cost or obligation to participate. Gift Card awarded where available. Cash may be

substituted if prize cannot be purchased for any given area. Farm Net.

Congratulations to the winner of the $500 Fall Fix Up...Janet Ballard!

Enter To Win $500 Cash!

There is no sincerer love than the love of food.

George Bernard Shaw

Igor is proud to make a donation to The Children's Miracle Network for each of his transactions.

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No Other Realtor Has Sold More Homes in the Hollywood Riviera Since 2003

#1 Realtor in the Hollywood Riviera for 10 of the last 13 years, including 2012, 2013, 2014 & 2015

601 Calle de Arboles Redondo Beach, CA 90277

Igor Nastaskin RE/MAX Palos Verdes Realty


Igor Nastaskin RE/MAX Palos Verdes Realty No Other Realtor Has Sold More Homes in the Hollywood Riviera Since 2003

always asks the waitress to order for him. And one couple drives up regularly from Long Beach for our tortas.

After 26-plus years in business, Cathy and Miguel have also experienced many life events with their customers. One woman started coming there with her parents as a baby. She recently had her wedding catered by Mexican Riviera.

Another couple who came in regularly always ordered taquitos. When they passed, their children hired the restaurant to cater their funeral receptions and serve what else taquitos.

Were always honored to be part of our customers lives, says Cathy. Were like one big family.

Being part of the community is important to Cathy and Miguel. The restaurant has hosted numerous fundraisers for local students with medical needs, deceased parents and other crises.

The restaurants breakfast burrito is so popular among South High students, its known as the Spartan burrito. In fact, Cathy and Miguel were up at 3 am last June making almost 400 breakfast burritos for the seniors arriving back to campus from the annual grad night outing.

And Now for Dessert Cathys passion for Mexican Riviera is

matched by her enthusiasm for her cake business, Cake Art by Cathy. Over the past 20 years she had baked and designed more than 350 cakes for customers.

Keep in mind that these are not your run of the mill cakes. A better term for them would be edible works of art. Some of her cake designs have included a shark with a foot coming out of its mouth, a camera-shaped cake (for a photographer), an octopus attacking a submarine (for a military man serving on a sub); a trash truck, a minion cake and even a piata that won the Palos Verdes Fair cake contest.

And each cake is as tasty on the tongue as it is on the eyes, featuring such flavors as chocolate, vanilla, marble, red velvet, strawberry and banana.

Cathy attends a confectionary art convention in Las Vegas each year to perfect her cake artistry, and some of her more elaborate designs take up to 14

When it comes to Cathy and Miguel Esquivel, you can have your cake and eat it too. And your carnitas. And your quesadillas. In fact, any cuisine prepared by the Esquivels' capable hands is simply delicious. Which is why Mexican Riviera Restaurant and Cake Art by Cathy are Riviera treasures.

Where The Food is the Fiesta Since 1989, Mexican Riviera restaurant

has been the go-to spot for locals craving homemade Mexican food at a great price.

Miguel and Cathy Esquivel were only 26 and 23 when they opened the restaurant, just 2 months before they got married. After working in restaurants for several years, Miguel dreamed of owning his own place. When they heard of a restaurant vacancy in the shopping plaza on Pacific

Coast Highway and Anza, they jumped at the chance.

Both of their families rolled up their sleeves to help with getting the location ready and the restaurant off the ground. While Miguel cooked, Cathy served as waitress and the two of them stayed up late into the night washing dishes.

In those early days the Mexican Riviera menu consisted of 8 combo plates. Today, the restaurant features 27 combos, the most popular of which is carnitas, tender braised pork. And in addition to Cathy and Miguel, youre likely to find their children, Erika, Elizabeth and Michael, pitching in to wait on customers or help behind the stove.

Something else youll find at Mexican Riviera is loyal customers.

One gentlemen comes in every single day for dinner, says Cathy. We have many regulars who always order the same thing, so we know exactly what to prepare the minute they walk in. One of our customers

Spicy, Sweet and Undeniably Delicious: Local Favorite Has a Loyal Following

hours to complete. In addition to creating cakes for birthdays, weddings, graduations, quinceaneras and more, Cathy has taught cupcake decorating during summer school at Saint Lawrence School for a dozen years.

She also does cupcake decorating birthday parties, where she provides the supplies, the instruction and the fun for guests who get to bring home their edible creations.

So whether youre craving carnitas or cupcakes, local residents Cathy and Miguel have you covered.

Bring in this newsletter to get off your second entree when you visit Mexican Riviera Restaurant, located at 4239 Pacific Coast Highway in Torrance (between Ross and CVS), and be sure to enter this months raffle for a $25 gift certificate to the restaurant. Mexican Riviera Restaurant is open daily from 8am to 9:30 pm (closed at 9pm on Sundays). You can find them online at Mexriv.com and via phone at 310-373-6600.

To reach Cake Art by Cathy, call 310-951-2992.

Do you know a Riviera resident with a story to share?

Please give me a call at 310-892-6016 or e-mail: [email protected]

Read more about Igor in Executive Agent Magazine:

http://www.eamag.net/IgorNastaskin.html

Direct: 310 892-6016 Oce: 310 378-9494 ext 2349

Email: [email protected] Web: www.IgorRealEstate.com LiveInHollywoodRiviera.com

CalBRE# 01317822

Proud Sponsor of the Riviera Elementary Character Counts Program

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#1 Realtor in the Hollywood Riviera for 10 of the Last 13 Years, Including 2012, 2013, 2014 & 2015!

Igors Riviera Real Estate News

Most Popular New Years Resolutions:

1. Weight loss and health 2. Get organized 3. Enjoy life to the fullest 4. Learn something new 5. Quit smoking and reduce drinking 6. Find love 7. Spend more time with family and

friends

October 1 - December 31, 2015 Neighborhood Sales

Over $200 Million in Hollywood Riviera Sales by Igor Since 2002

ADDRESS SQ FT BED BATH LIST PRICE 4914 NEWTON ST 1,652 5 2 $755,000 4932 NEWTON ST 1,962 4 5 $840,000 4905 CALLE DE ARBOLES 1,578 3 2 $945,000 4723 NEWTON ST 2,487 5 3 $945,000 5106 PASEO DE LAS TORTUGAS 1,597 3 2 $960,000 425 PASEO DE LAS ESTRELLAS 1,552 4 2 $975,000 5002 PASEO DE PABLO 1,605 4 2 $1,120,000 23631 SUSANA AV 2,005 3 2 $1,135,000 409 VIA PASQUAL 1,522 3 2 $1,152,000 406 CALLE DE ARBOLES 1,833 3 2 $1,170,000 201 VIA ANITA 1,416 3 2 $1,175,000 236 VIA BUENA VENTURA 1,701 3 2 $1,255,000 5416 CALLE MAYOR 3,152 4 5 $1,275,000 417 VIA LOS MIRADORES 1,611 3 3 $1,279,000 683 CALLE MIRAMAR 2,785 4 4 $1,337,500 429 VIA ANITA 2,046 4 2 $1,400,000 131 VIA SEGO 2,498 4 3 $1,449,935 329 CAMINO DEL CAMPO 1,723 3 3 $1,450,000 138 PASEO DE GRACIA 2,370 3 3 $1,495,000 675 CALLE MIRAMAR 2,146 3 3 $1,650,000 375 CAMINO DE LAS COLINAS 3,360 4 3 $1,675,000 340 VIA COLUSA 2,560 5 6 $1,708,750 225 VIA ALAMEDA 3,477 5 4 $2,100,000 953 CALLE MIRAMAR 5,292 4 4 $2,222,000 352 PASEO DE ARENA 3,961 5 4 $2,250,000

Igors Featred Listings

More listings on their way

check my website for updates:

www.igorrealestate.com

New Constction in the Riviera

COMING SOON!

5 bedrooms 4 baths

Offered at $2,100,000

Remodeled Single Level Home

6602 Monero, Rancho Palos Verdes 3 bedrooms, 2 baths


IN ESCROW

New Constction Riviera Home

with Stnning

Ocean Views 222 Via Anita, Redondo Beach

4 bedrooms, 4 baths Offered at $2,200,000

IN ESCROW

Substantially Remodeled

Riviera Home

4520 Highgrove, Torrance 3 bedrooms, 3 baths Offered at $959,000

My team of professionals is dedicated to making your real

estate transaction a smooth and enjoyable experience.

Igor Nastaskin

TEAM IGOR

Congratulations to the Winner of the $40 Return Engagement

Gift Certificate:

Corrine Barton

To read more letters from buyers and sellers Ive represented, go to IgorRealEstate.com or LiveInHollywoodRiviera.com

Another Satisfied Client

October 26, 2015 Igor, I'm looking forward to seeing you this final trip, looking you in the eye and shaking your hand while thanking you for your superior guidance and professionalism throughout the various progressions of first leasing and then selling our Hollywood Riviera home. This entire sale process has been quite enjoyable actually, even with the compounded elements of required signa-tures from out of the country. Thank you again for your understanding and patient nature my friend, you are a gem. Bill Babcock

No Other Realtor Has Sold More Homes in the Hollywood Riviera Since 2003 Igor Nastaskin, DRE # 01317822

Direct (310) 892-6016 / Oce (310) 378-9494 ext 2349 Email [email protected] / Web www.IgorRealEstate.com & LiveInHollywoodRiviera.com

A free market evaluation of my property. Now In three months In six months Im interested in buying a home. I have a question for you. Enter me in this months raffle for a... Enter me in this months drawing for: $25 Mexican Riviera Restaurant Gift Certificate $500 Cash For The New Year! (2/26/16) Name Address

City State Zip Telephone /

E-mail This newsletter is for information purposes only and nothing herein is intended as advice. Information in this newsletter may be obtained, in part or whole, from N.A.R., C.A.R., ARA content, or other related sources. It is not intended as a solicitation if your home is currently listed with a broker. It is not our intention to solicit the offerings of other real estate brokers. We are happy to work with them and cooperate fully. All information deemed accurate but not guaranteed. An Equal Opportunity

Company. Equal Housing Opportunity. Some offices independently owned and operated. Drawing is void where prohibited by law or regulation. Printed in the U.S.A., Copyright 2016 The Marketing Advantage, 1-800-655-6611.

PLEASE PLACE STAMP HERE

Prize to be awarded by a drawing of all entries. Drawing to be held February 26, 2016. Winner need not be present. Odds of winning are 1 in 1,000. No cost or obligation to participate. Gift Card awarded where available. Cash may be

substituted if prize cannot be purchased for any given area. Farm Net.

Congratulations to the winner of the $500 Fall Fix Up...Janet Ballard!

Enter To Win $500 Cash!

Igor is proud to make a donation to The Children's Miracle Network for each of his transactions.

There is no sincerer love than the love of food.

George Bernard Shaw

Igor Nastaskin RE/MAX Palos Verdes Realty


Igor Nastaskin RE/MAX Palos Verdes Realty No Other Realtor Has Sold More Homes in the Hollywood Riviera Since 2003

Igor Nastaskin 601 Calle de Arboles Redondo Beach, CA 90277

#1 Realtor in the Hollywood Riviera for 10 of the last 13 years, including 2012, 2013, 2014 & 2015 No other Realtor has Sold more Homes in the Hollywood Riviera since 2003


biggest home-price gains will continue to occur in these western markets.

Mortgage rates will rise later this year and into 2016: At the end of 2015 the average rate for a 30-year fixed mortgage averaged 3.85%. The 30-year average has been hovering at or below 4% for most of 2015. In the fall, Freddie Mac (the government-regulated buyer of mortgage loans) issued a housing market prediction for 2016. In it, the companys chief economist forecasts that the average rate for a 30-year fixed home loan would gradually rise to 5.1% by the end of 2016.

If rates do start to rise gradually this year, we could see a slight reduction in home-buying activity, but this could be offset by continued improvements in the job market and broader economy.

Job gains will bring more home buyers into the market: Since 2014 the U.S. gained about five million jobs, according to Doug Duncan, chief economist at Freddie Mac. This means there are more people in a position to buy a home which could lead to a demand for housing.

On top of that, many cities across the country are still suffering from a shortage of homes for sale (relative to demand). This supply-and-demand imbalance could continue to push home prices up in 2016, as buyers compete for limited inventory.

Student loan debt will keep many Millennials out of the market: Accord-ing to a recent analysis by the Federal Reserve, outstanding student loan debt now totals more than $1 trillion and it

Housing Market Forecasts and Predictions

is keeping many would-be home buyers from entering the market.

Student loan debt can create additional hurdles for mortgage shoppers in a couple of ways. For one thing, it increases the borrowers total debt-to-income ratio, which can cause problems during the underwriting and approval process. Additionally, excessive debt can lower a persons credit score. All of this makes it harder for debt-burdened Millennials to qualify for home loans.

Is student loan debt going to be the next big financial crisis for the U.S.? We will have to wait and see, but in the meantime, it will almost certainly affect the housing market.

Please note - This article offers a collection of real estate market predictions and forecasts for 2016. Such forward-looking statements should not be viewed as facts or financial advice. They are the equivalent of an educated guess. As with any prediction, there are no claims, assertions or guarantees regarding the U.S. housing market in 2016.

It is that time of year again. The time of year when the real estate industry tries to prognosticate what the housing market will look like for the new year. Here are the best (and maybe the worst) predictions for 2016:

Home prices will rise more slowly in most U.S. cities: Over the last couple of years, we have seen home prices rise rapidly in many parts of the country. This was often the result of a supply and demand imbalance. In many large metro areas, there were plenty of home buyers on the market but not enough homes to meet demand. Prices tend to rise rapidly under such circumstances.

In July of 2015, the financial data company CoreLogic issued a forecast for the U.S. real estate market that predicted a 4.7% rise in national home prices through July 2016. The biggest home-price gains will continue to be in the West: In 2015, some of the biggest home-price gains occurred in the western part of the nation. Cities in Colorado and in California experienced double-digit gains in property values. Denver and San Francisco, for example, both posted year-over-year gains of +10%.

These markets could experience some cooling in 2016, but many housing analysts expect that the

New Year! New Home? Igor Nastaskin

310.892.6016

Direct: 310 892-6016 Oce: 310 378-9494 ext 2349

Email: [email protected] Web: www.IgorRealEstate.com

LiveInHollywoodRiviera.com CalBRE# 01317822

Read more about Igor in Executive Agent Magazine:

http://www.eamag.net/IgorNastaskin.html

No other Realtor has Sold more Homes in the Hollywood Riviera since 2003

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#1 Realtor in the Hollywood Riviera for 10 of the Last 13 Years, Including 2012, 2013, 2014 & 2015!

Igors Riviera Real Estate News

The love of family and the admiration of friends is much more

important than wealth and privilege. - Charles Kuralt

Igor Nastaskin Direct 3108926016

To read more letters from buyers and sellers Ive represented, go to IgorRealEstate.com or LiveInHollywoodRiviera.com

Another Satisfied Client

October 26, 2015 Igor, I'm looking forward to seeing you this final trip, looking you in the eye and shaking your hand while thanking you for your supe-rior guidance and professionalism throughout the various pro-gressions of first leasing and then selling our Hollywood Riviera home. This entire sale process has been quite enjoyable actually, even with the compounded elements of required signatures from out of the country. Thank you again for your understanding and patient nature my friend, you are a gem. Bill Babcock

Igors Featred Listings

More listings on their way

check my website for updates:

www.igorrealestate.com

New Constction in the Riviera

COMING SOON!

5 bedrooms 4 baths


Remodeled Single Level Home

6602 Monero, Rancho Palos Verdes 3 bedrooms, 2 baths


IN ESCROW

New Constction Riviera Home

with Stnning

Ocean Views 222 Via Anita, Redondo Beach

4 bedrooms, 4 baths Offered at $2,200,000

IN ESCROW

Substantially Remodeled

Riviera Home

4520 Highgrove, Torrance 3 bedrooms, 3 baths Offered at $959,000

No Other Realtor Has Sold More Homes in the Hollywood Riviera Since 2003 Igor Nastaskin, CalBRE # 01317822

Direct (310) 892-6016 / Oce (310) 378-9494 ext 2349 Email [email protected] / Web www.IgorRealEstate.com & LiveInHollywoodRiviera.com

A free market evaluation of my property. Now In three months In six months Im interested in buying a home. I have a question for you. Purchasing investment property. Enter me in this months drawing for a: Giving you a referral. $500 Cash For The New Year! (2/26/16) Name Address

City State Zip Telephone /

E-mail This newsletter is for information purposes only and nothing herein is intended as advice. Information in this newsletter may be obtained, in part or whole, from N.A.R., C.A.R., ARA content, or other related sources. It is not intended as a solicitation if your home is currently listed with a broker. It is not our intention to solicit the offerings of other real estate brokers. We are happy to work with them and cooperate fully. All information deemed accurate but not guaranteed. An Equal Opportunity

Company. Equal Housing Opportunity. Some offices independently owned and operated. Drawing is void where prohibited by law or regulation. Printed in the U.S.A., Copyright 2016 The Marketing Advantage, 1-800-655-6611.

Financial Resolutions 2016 is here and statistically speaking, a majority of this

years resolutions will involve some kind of financial aspectwhether learning about investments, saving more, or spend-ing less. If you have not decided on what you want to work on in 2016, or your resolutions could use a tune-up in their design to ensure success in completing them, here are three questions to help you get started: 1. What were your saving habits in 2015?

Regardless of how much money you make, you can not begin accomplishing your financial ambitions if you spend all of your money. One of the best ways to begin increasing your net worth via saving money is to make your saving auto-matic. Have a percentage of your income automatically go into a separate savings account. 2. How financially responsible were you?

Late payments not only generate annoying fees and inter-est charges, but they also play a large role in determining your credit score. A poor credit score could mean higher in-terest rates on loans or disqualification from loan programs, the need for deposits to have access to many services, high-er insurance premiums, or even lost job opportunities. There-fore, being responsible is the next big step to accomplishing your 2016 financial goals. Just like saving, bills can also be paid through automatic or periodic payments you can set up. 3. What condition are you in debt-wise?

Finally, you may owe some debt at the moment. As debt adds up, it begins hurting your credit score in a more signifi-cant manner. Therefore, if you can not currently pay off your debts, try to negotiate the payments or work with a credit agency to find the right solution. While these actions may have short-term negative consequences, they will more than likely lead to a better chance of recovering your credit score down the road.

Here are some suggestions to help you formulate your 2016 financial resolutions:

Spend less The first, in reference to the suggestions above, is to, of course, pay off debts and spend less. Spending less is a popular resolution but can oftentimes be formulated with too vague or unclear of a direction. There

are ways to spend less that many people are not aware of, such as going through statements and checkbooks to re-search if you are getting a good return rate on your contribu-tions, refinancing your mortgage, or getting an insurance audit to see where you are overpaying.

Save more Make saving into a side account automatic or take advantage of employer-sponsored savings plans. Em-ployer-sponsored programs allow your contributions to be tax-deferred and, on top of that, many employers actually match your contribution to a certain degree. You should begin to set up an emergency fundsomething necessary to have in these troubled economic times in case of a lost source of revenue or unexpected medical bills. Keep this fund somewhere you will not be tempted to spend it.

Set up a budget For families looking to accomplish their financial goals together, have the talk. Make a plan for your family after going through checkbooks, statements, and getting your free credit score report. Once a budget is set, inform family members of spending and saving plans. In-volve your children in the process as well. Studies have found that many young adults dont have a clue where to begin planning for their financial futures because it was nev-er emphasized at home. Begin a successful financial family legacy by involving everyone in the budget preparations. For new couples, the same rules apply. Both partners should be well informed of the budgetary status and any actions that could influence it.

Invest in yourself Invest in yourself by investing in edu-cation to have better career opportunities or invest in your financial knowledge. There are countless books and web-sites that can teach you about stocks or bonds so that you can improve your investment or saving skills. Ask yourself important questions about your investment goals, long term personal goals, family situation and apply financial concepts to generate potential plans for the long years ahead.

These financial resolutions simply can not wait. Even if you only adopt one of these resolutions for 2016, you will be making a financial change for the better and for the long- term.

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