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From YouTube: Rebuild Workshop #4 Rebuild or Buy
Description
Rebuilding Together Peninsula's Dollars and Sense:
Home Repairs, Insurance, Rebuilding & Recovery
Workshop #4 Rebuild or Buy
January 9, 2011
Skyline College
A
Well,
I
have
to
say
congratulations
to
everybody.
Who's
who
sat
through
all
of
these
I
know,
I,
think
that
all
of
our
speakers
so
far
have
been
great
and
I'm
really
pleased
that
we
were
able
to
to
provide
this
information
to
you
throughout
the
day
and
again,
thank
you
to
San
Bruno
Cable
for
coming
out
and
recording
this,
and
they
will
be
putting
it
up
and
in
segments
as
I
understand
it.
Yeah
four
segments
and
you'll
be
able
to
watch
it
on
YouTube.
A
A
That's
called
the
disaster,
recovery
handbook
and
household
inventory
guide
and
that's
a
little
yellow
covered
book
that
we
gave
away
at
the
one-stop
Center
at
the
very
beginning,
and
we
still
have
copies
of
that
book.
If
anyone
would
like
it,
it's
a
general
guide
to
the
whole
process
and
we
actually
have
a
a
chapter
of
that
book
on
tax
considerations.
There.
It
is
so
bob
has
been
a
been
a
very
helpful
in
getting
the
word
out
about
that
book
over
the
years.
A
So
arum
we
gone
going
through
the
the
disclaimer
in
all
the
workshops,
the
fine
print
just
that
we're
here
to
give
you
information
for
educational
purposes.
So
moving
into
the
the
first
slide,
I'm
going
to
frame
the
this
workshop
I'm
all
I'm
going
to
contribute
here
is
going
to
be
a
few
points
to
help
you
with
the
concepts
of
what
what
are
the
factors
that
you
should
be
considering.
When
deciding
should
I
stay
or
should
I
go,
am
I
am
I?
A
A
A
lot
of
factors
I
assembled
a
panel
that
I
thought
would
shed
light
on
those
key
issues:
financial,
logistical
and
emotional
next
slide,
please
so
on
the
financials
you're,
of
course,
you're
thinking
about
how
to
maximize
and
preserve
the
value
of
your
asset
for
most
people,
their
home
is
their
most
valuable
asset,
and
so
obviously
the
real
estate
market
has
been
in
flux
over
the
last
few
years.
So
maximizing
and
preserving
the
value
of
your
home
isn't
is
a
is
an
important
decision,
tax
consequences,
which
bob
is
going
to
talk
about.
A
What
the
status
of
the
legislation
is,
that
jackie
is
introduced
and
again
those
that
information
will
help
you
make
these
decisions.
I'm
sorry
go
back
for
one
second
available.
Insurance,
obviously,
is
a
consideration
for
deciding
whether
to
buy
a
rebuild
and
then,
of
course,
there
are
other
funding
sources
available
to
you
here.
Pg&Amp;E
programs,
loans,
personal
assets
and
then
gifts
and
donations
on
the
logistical
side.
You're
gonna
be,
of
course,
there's
the
hassle
factor.
The
delay
factor
finding
a
replacement
home
selling
your
lot
negotiating
with
your
insurer
and.
A
I'm
gonna
try
to
blast
all
emotional
factors.
Obviously
the
attachment
to
the
neighborhood,
your
neighbors,
your
friends,
the
community
that
has
come
together
in
such
a
strong
way
since
the
the
events
in
September.
But
then
there
is
the
trauma
factor
of
being
there
and
going
back
there
and
then
the
the
idea
for
some
people
of
a
fresh
start.
A
We're
not
here
to
make
decisions
for
you,
we're
just
here
to
lay
out
some
of
the
factors
to
consider
and
then
I'm
going
to
briefly
go
through
the
insurance
settlement
points,
because
we
don't
have
anybody
professional
other
than
me.
I
have
I'm
an
attorney
and
I
am
an
insurance
professional.
But
you've
heard
me
talking
a
lot
today.
So
I'm
going
to
very
briefly
go
through
the
factors
to
consider.
A
We
have
a
special
law
in
California,
a
statute
that
says
that
you
can
take
your
insurance
settlement
and
you
can
use
it
to
buy
a
replacement
home
and
you
don't
have
to
rebuild
in
order
to
get
the
maximum
value
from
your
policy.
So
question
can
I
buy
another
house
and
still
get
replacement
value
for
what
it
would
have
cost
to
rebuild
my
own
home
with
one
alike
on
equality?
A
Yes,
according
to
the
California
Department
of
Insurance
and
the
law,
you
are
entitled
to
the
full
benefit
of
not
just
your
coverage
a
but
also
whatever
extended
coverage.
You
may
have
right
and
that's
an
important
part.
Next
can
I
buy
a
cheaper
replacement
house
and
pocket
the
difference
no
moving
on
if
I
buy
instead
of
rebuild,
can
insurers
deduct
the
value
of
the
land
of
my
new
home
from
my
settlement.
This
is
an
open
question
and
this
is
something
that
we
duped
out
for
a
couple
years
in
San
Diego
after
the
last
round
of
wildfires.
A
They
have
and
I
think
the
bottom
line
is
it's
negotiable.
In
other
words,
you
had
your
old
lot
right.
You
had
and
you're
thinking,
I,
don't
I,
don't
want
it
I,
just
don't
want
to
rebuild
I,
don't
the
hassle
factor.
The
delay
factor
I'm
out
of
here
I'm
gonna
buy
a
new
house.
Well,
what
some
insurers
were
saying
in
San
Diego
was
okay,
so
let's
say
you
let's
say
we
agreed.
It
would
have
cost
five
hundred
thousand
to
put
back
that
house
if
you
did
rebuild
okay,
so
you've
got
five
hundred
thousand
to
work
with.
A
That's
you
had
enough
insurance
and
there
you
go.
You
find
another
house
right
and
it's
five
hundred
thousand
dollars.
Well,
the
insurance
company,
some
of
them
we're
saying
we're
not
paying
you
the
five
hundred,
because
we're
gonna
deduct
the
value
of
the
lot
at
that
new
house,
because
we
don't
want
you
to
be
unjustly
enriched
with
two
Lots.
A
B
Our
programs
are
intended
to
work
with
and
supplement
your
insurance
coverage,
and
everyone
has
different
insurance
coverage
and
we're
getting
into
some
of
these
discussions.
Now
our
goal
is
to
come
in
where
they
stopped
and
bring
bring
it
up
to
a
level.
That's
more
than
fair
and
helpful
in
you
making
these
real
estate
decisions.
To
that
end,
we've
established
for
programs
for
people
to
deal
with
the
real
property
issues
that
are
faced
in
this
neighborhood.
B
The
first
one
is
a
purchase
opportunity
if
you
wish,
if
your
house
was
destroyed
or
significantly
damaged,
and
you
wish
to
move
on,
make
that
decision
to
move
on,
PG&E
will
purchase
your
property
at
the
greater
of
the
value
of
the
property.
The
day
before
the
accident
or
the
the
amount
of
home
mortgages
you
have
on
the
property,
whichever
is
greater,
the
insurance
and
mortgage
debt
will
be
deducted
from
that
amount.
B
In
addition,
PG&E
would
supplement
your
insurance
coverage
for
temporary
housing
for
a
lot
of
the
incidental
expenses
that
you
face
while
you're
going
through
this
process,
and
this
program
is
available
for
three
years.
So
there's
no
rush
to
make
a
decision.
There's
a
lot
of
emotional
issues
and
impacts
that
you're
going
through
this
program
would
be
available
to
you
for
a
three
year
period.
If
you
choose
to
participate
in
this
program
and
sell
your
property
to
PG&E.
B
In
addition
to
what
I
just
mentioned,
there
would
be
a
one-time
payment
of
an
additional
$50,000
for
participating
in
this
program.
If
you
make
the
decision,
if
your
house
was
destroyed
or
significantly
damaged,
and
you
make,
the
decision
to
rebuild
a
PG&E
is
also
in
a
position
to
supplement
beyond
your
insurance
coverage
up
to
the
amount
of
money
that
it
would
take
to
rebuild
a
home
of
light
quality
and
square
footage
on
your
property.
B
In
addition,
they
provide
money
for
hard,
scape
and
landscape
to
reestablish
your
property
to
as
good
or
better
condition
than
existed
at
the
time
of
the
accident.
This
is
one
that
takes
working
with
each
person's
individual
insurance
carrier
mortgage
lenders
to
determine
how
that
would
work
about
the
ideas
that
would
be
a
very
generous
per
square
foot
number
for
soft
costs
and
hard
costs
to
allow
you
to
rebuild
that
property
at
that
location.
This
program
is
also
about
available
for
a
three-year
period
in
this
period
that
I'm
speaking
of
we'll
start.
B
The
next
program
that
we
have
available
for
people
in
this
neighborhood
is
the
value
assurance
plan,
and,
if
you
choose
to
rebuild
your
property,
if
it
was
destroyed
or
significantly
damaged
after
a
one-year
period,
you
would
qualify
for
value
insurance,
which
is
a
program
that
will
be
in
place
for
five
years,
starting
from
tomorrow
value
assurance.
What
it
does
is
guarantee
that
you
will
see
market
value
for
your
home
if
there's
any
D
munition
associated
with
the
the
explosion.
For
that
neighborhood.
B
This
program
would
bring
you
back
up
and
make
sure
that
you
receive
market
value
for
your
property
I'm
going
through
these
kind
of
in
and
quickly
I'm
available
for
questions.
Also,
we
have
an
office
established
in
San,
Bruno
and
Shari
Avenue,
its
staff
full-time
and
we're
available
at
any
time
to
answer
detailed
questions
about
these
programs.
B
This
program,
the
value
surance
plan,
as
I
mentioned,
is
available
for
five
years.
The
last
program
I
want
to
mention
is
the
neighborhood
restoration
plan,
and
this
is
for
properties
that
were
not
destroyed
or
significantly
damaged.
Pg&Amp;E
is
offering
to
pay
for
one-year
period
up
to
ten
thousand
dollars
for
exterior
home
or
landscaping
improvements
to
help
this
neighborhood
rebuild
and
help
establish
more
quickly.
B
Like
I
said,
the
value
surance
program
starts
tomorrow
and
be
available
for
five
years.
We
have
over
fifteen
approved
realtors
on
our
list,
and
that
list
can
be
expanded.
If
you
have
people
that
you
know
of
it
are
familiar
with
these
neighborhoods
and
want
to
be
part
of
this
program.
We
have
nearly
ten
approved,
praisers
I
think
it's
up
to
ten.
Now
that
are
participating
in
the
program
and
again
we
can
add
to
that
list.
B
If
you
have
people
that
you've
worked
with,
and
things
should
be
part
of
this
program,
we've
been
meeting
with
local
contractors
to
educate
them
on
the
rebuild
and
the
neighborhood
restoration
plans.
We've
already
met
with
over
20
families
that
have
come
to
see
us
whose
homes
were
either
destroyed
or
significantly
damaged,
they're,
starting
to
consider
their
options
on
either
rebuilding
or
selling
their
property
to
PG&E
I
have
business
cards
afterwards.
A
There
probably
will
be
a
lot
of
questions,
and
it's
great
to
know
that
you
have
that
office.
I
did
not
know
that,
so
folks
can
go
there
anytime,
I'm
an
Annie
I
think
she
goes
by
any
is
a
local
local,
deep
local
I
think
your
family
has
been
in
the
real
estate
business
as
I
understand
for
quite
some
time.
Yeah.
A
C
C
Think
that
if
you
read
any
different
article,
that's
out
there
on
where
the
market
is
you're
gonna
find
every
single,
solitary
person
having
a
different
view
on
it.
The
one
person
that
I
always
have
followed
is
with
a
California
Association
of
Realtors
Leslie
Appleton
young
I,
know
there's
a
lot
of
Realtors
out
here
and
they
should
be
pretty
familiar
with
her.
She
she's
predicting
the
market
to
pick
up
in
our
area
every
area
in
California
being
different
in
the
next
five
years,
so
I
think
in
in
the
process
of
thinking
about
rebuilding
or
selling
I.
C
Think
that
that
would
be
something
very
valuable
for
you
to
think
about.
I
have
a
lot
of
respect
for
her
and
you
can.
You
can
actually
go
on
her,
the
California
Association
of
Realtors
websites
and
do
some
research
on
her
she's,
incredibly
knowledgeable
and
she's,
the
chief
economist
for
the
state,
the
other
thing
financially,
that
I
think
is
unique
to
the
to
the
situation.
C
The
rates
are
out
of
30
year
low.
That's
luckily
on
on
the
you
know,
and
the
stage
that
you're
in,
if
you're
thinking
about
buying
I,
think
that
you
can
possibly
make
better
on
what
your
mortgage
is.
I
I
did
get
an
opportunity
to
talk
to
a
few
people
in
the
neighborhood
that
have
been
able
to
refinance
and
lower
their
interest
rates,
with
using
comparable
houses
that
have
sold
around
the
neighborhood
and
I.
C
Think,
probably
for
whoever
is
your
Realtor
or
whoever's
going
to
be
helping
you
through
this
process,
whether
it's
to
rebuild,
get
a
mortgage
refinance
or
to
sell
I
I
know
that
that's
one
of
the
greatest
benefits
that
we
have
Realtors,
don't
always
come
come
by
with
the
best
reputation.
Fortunately,
Marshall
ility,
where
I
come
from.
We
have
a
great
reputation,
but
we
do
have
the
higher
that
we
are
Realtors
with
a
higher
code
of
ethics,
of
which
we
can
actually
use
comparables
outside
the
neighborhood,
which
were
very
familiar
with
to
help
with
that
and
appraisers.
C
Are
there
calling
us
your
your
approved
appraisers?
We
we
actually
recommended
them
back
and
forth,
and
so
we're
all
trying
to
work
with
this
together
to
make
sure
that
we
can
get
the
values
to
the
house
where
it
should
be.
I
want
to
talk
a
little
bit
about
logistics
and
obviously
the
time
is
is
you
know
for
rebuilding
is
not
always
going
to
be
the
shortest,
as
if
you
were
able
to
purchase
purchasing
right
now.
Another
advantage
I'm
trying
to
put
the
positive
in
this
whole
scenario
here,
for
you
is
the
markets
full.
C
C
Well,
if
it's
a
house
and
it's
financial
and
it's
to
sell
its
I
mean
obvious,
whenever
you
can
make
a
move
and
you
can
make
a
move
up,
it's
gonna
be
financially
better
for
a
house
or
an
investment,
but
to
rebuild
like
Amy
had
mentioned.
Before
is
definitely
the
emotional
part
of
your
home
and
when
you
buy
a
home,
we
sell
homes
and
the
emotions
are
very,
very
abundant.
C
Very
abundant
and
I
think
that
any
realtor
that's
going
to
help
you
with
that
home,
that
home
rebuilding
or
that
needing
that
appraisal,
or
any
of
sort
of
that
is
so
important
that
they
realize
what
you're.
Looking
for
you?
Are
you
looking
as
a
financial
move?
Are
you
looking
because,
like
Amy
said
that
the
roots
are
there,
your
kids
are
in
school
there
or
you
know
two
years
from
from
now?
C
Are
you
going
to
be
able
to
rebuild
the
house
and
in
time
for
them
to
make
that
move
to
the
to
the
next
school
or
wherever
it
is
and
I
think
for
the
most
part,
our
local
Realtors
here
in
San,
Bruno,
are
pretty
in
tune
to
that
need.
I
am
certainly
in
fact
in
tune
to
it
and
I
think
that
the
way
I
would
like
to
retitle.
C
This
would
be
the
house
versus
home
and
as
far
as
the
rebuild
or
the
purchase
and
the
positive
note
is
a
lot
of
people,
don't
have
the
opportunity
to
even
think
about
maybe
moving
south
I
heard
a
lot
of
people
even
know.
San
Bruno
is
like
such
a
great
place
to
be
I've
heard
a
lot
of
things
that
we
can
earn
this
and
make
this
into
a
positive
move
for
you,
so
I'm
available
for
any
questions
as
well.
C
If
you
want
rates
or
appraisals
or
anything
in
terms
of
that
I'm,
our
firm
is
available
and
there's
some
other
Realtors
from
other
places.
Here.
I
see
that
as
well.
I
I
want
to
just
finish
by
saying
our
greatest
benefit
to
you
as
Realtors
is
when
you
do
get
it
appraised
or
even
if
you
go
to
rebuild
it,
we
know
what
sells
a
house.
So
when
the
appraiser
comes
out-
and
it's
you
know
your
your
crestmore
home,
it's
either
the
split
level
or
the
rancher.
C
A
C
Whether
it's
P,
Jeannie
or
not,
I
mean
we
basic,
are
comparable
properties
right
out
of
a
very
simple
Multiple,
Listing
Service
and
all
the
appraisers
use
that
we
use
that
when
we
put
a
price
on
a
house
and
PG&E
is
going
to
use
it
as
well.
The
bottom
line
is
that
you
don't
have
a
lot
of
comparable
sales
directly
in
that
neighborhood.
So
we've
worked
with
the
appraisers
I've
done
numerous
amount
of
what
we
call
comparable
market
analysis
and
PG&E.
C
C
You
know
they
one
of
the
one
of
the
little
tricks
that
they
told
us.
Is
that
the
more
detail
that
we
can
put
in
the
listing
the
better
off
we
are
now.
Obviously,
some
people
don't
have
a
house
there,
but
if,
in
fact
there
are
houses
to
go
on
the
market
in
the
neighborhood,
we're
going
to
be
very
detail-oriented,
we're
gonna
say
Italian
marble,
you
know
bathroom
whatever
it
is,
and
you
know
like
the
you
just
had
on
the
last
workshop.
You
know
if
this
redwood
versus
fir
whatever
it
is.
A
Money
is
in
the
details,
I
think
we
can
all
conclude
that
from
today,
all
right.
Well
great,
thank
you
for
that
perspective.
Bob
castle
is
a
very
experienced
CPA,
with
a
with
I
would
almost
have
to
say
a
specialty
in
casualty,
tax
loss
issues,
so
I
really
appreciate
him
coming
over
the
bridge
today
and,
and
speaking
and
Bob
I
I
know,
I
did
briefed
him
a
little
on
the
particular
issue
that
we
talked
about.
That's
the
open
question
with
the
IRS,
but
if
you
can
just
lead
off
and
I
think.
D
D
D
D
If
you
look
at
number
one,
it
says
two
years
after
the
close
of
the
first
taxable
year
in
which
any
part
of
the
gain
upon
the
conversion
is
realized.
Okay,
that's
the
key
sentence.
What
they're
saying
to
you
is
this:
if
you
received
money
in
2010
from
whatever
source,
be
a
PG&E,
be
it
your
insurance
company?
What
have
you
that
is
going
to
be
part
of
the
cost
of
your
rebuilding?
You
have
two
years
after
the
year,
which
means
by
December
31
2012.
You
got
to
have
your
house
rebuilt.
D
If
not,
you
stand
liable
for
a
potential
that
all
your
insurance
proceeds
become
taxable
income
now
and
all
the
question-and-answer
stuff
that
I've
seen
PG&E
handout
that
I've
seen
the
IRS
handout
in
me.
Thank
you
for
your
sending
me
over
those
questions.
This
is
not
mentioned
now
in
the
Oakland
Hills
fire.
D
We
had
a
big
difference.
We
had
our
disaster.
A
federally
declared
disaster
and
I
wrote
the
tax
law
which
got
this
to
change
to
four.
So
what
you
people
have
to
look
at
if
you're
going
to
rebuild
and
you
gotta
listen
to
Scott.
Listen!
My
realtor
state
friends
here
about
home
vs.
house.
If
you're
going
to
rebuild
your
home,
you
have
to
look
and
see.
Are
you
gonna
comply
with
the
tax
law?
Will
you
make
it
by
December
31
2012?
D
If
you
receive
proceeds
in
2010,
that's
a
critical
factor.
It's
critical!
Because
two
years
from
now
the
newspapers,
the
press
will
all
have
disappeared.
You
won't
have
the
power
with
the
only
television
cameras
here
today
to
record
all
this
IRS
is
gonna,
come
in
and
say,
hi
guys,
you
didn't
make
it
in
time.
Your
proceeds
become
taxable
income.
D
D
D
One
of
the
things
we
learned
in
the
Oakland
Hills
fire
ask
your
children.
What
was
in
your
house
and
what
was
missing
I'll.
Tell
you
how
I
say
that
one
of
my
clients
I
got
his
six
daughters
in
my
office
one
day,
I
said:
okay,
guys.
What
are
we
missing?
They
came
up
with
$80,000
of
specific
items
that
the
parents
had
forgotten,
but
the
kids
remembered
so
ask
her
to
ask
your
kids.
D
That
basis
does
not
include
your
personal
property,
does
not
include
your
personal
property,
so
you
want
to
look
at
that
thing
now.
What
we
learned
in
the
Oakland
Hills
fire-
there
are
some
things
that
you're
missing.
You
have
to
really
get
caught
up
on.
Those
of
you
who
had
wills
living
trusts
were
those
documents
they
probably
burned
up
in
the
fire,
so
you
got
to
get
them
replaced,
so
you
have
life
insurance
policies.
My
friend
winged
watcher
here
tells
me
that
you
can
contact
your
life
insurance
policy.
D
You
know
life
insurance
companies
and
for
what
35
or
50
dollars
don't
send
your
new
copy
of
the
policy.
Is
that
correct?
Wayne?
Yes,
so
you
want
to
make
sure
you
get
those
things
replaced:
vehicle
ownership,
insurance
policies,
real
property
documents,
investment
documents,
stocks,
bonds.
If
you
held
your
certificates,
contact
the
companies
and
tell
them
your
loss
of
you
lost
your
certificates
in
the
fire,
they'll
replace
them.
Now.
D
What
you
want
to
watch
out
for
is
this.
You've
got
a
lot
of
vendors
out
there.
A
lot
of
people
are
gonna
say
they
got
a
deal
for
you,
where's
our
gentleman
from
the
city
of
San
Bruno,
all
right,
I'm,
putting
you
on
the
hot
seat.
These
people
who
decide
they
want
to
rebuild
in
order
for
them
to
make
it
and
satisfy
the
tax
law.
You
have
got
to
fast-track
them
through
the
city.
You
can't
take
six
months
to
approve
their
plans.
They're
gonna
give
you
plans
on
Monday
and
two
weeks
from
now.
D
E
Most
everyone
here
has
already
heard
me
say
this,
but
the
City
Council
has
already
adopted
a
new
code
to
handle
all
the
homes
that
were
either
damaged
or
destroyed
by
this,
by
cutting
the
approval
times
down
and
having
an
expedited
permitting
process
both
on
the
architectural
review
side
and
the
structural
review
sites.
Oh
yes,
well,
you
turn
in
plans.
They're
gonna
be
done
quickly.
We
already
have
a
pretty
quick
process,
but
they'll
be
even
done
even
more
quick
than
normal.
Okay.
D
Ladies
and
gentlemen,
this
is
this
is
critical
because,
where
you
get
tied
up
into
in
hanging
and
not
making
your
timeframe
for
me,
the
other
thing
is
some
of
the
contractors
are
out
here
and
it's
great
to
see
them
all
here.
We
had
them
a
lot
of
them
here
when
the
Oakland
Hills
fire
happened,
go
to
a
one
shop,
stop
find
a
general
contractor
like
our
friend
that
was
just
up
here
where
he
can
have
your
contractor.
D
D
The
first
question:
you
want
to
ask
your
contractors:
how
long
is
it
going
to
take
him
to
get
your
house
built
and
what
you
want
to
do
is
put
it
in
your
contract.
You
got
to
be
done
by
December
31
2012,
which
means
on
December
30th.
You
moved
in
on
December,
31st,
you're
sleeping
in
that
house.
That's
where
you
put
your
head
down
on
the
pillow.
D
If
you
don't,
you
got
a
tax
problem
now
when
it
comes
to
the
personal
property
side
of
this,
you
can
because
you're
not
declared
as
a
person
as
a
federal
disaster.
You
have
to
account
for
your
personal
property
proceeds
separately
than
you
do,
for
your
real
property
proceeds.
That's
what
falls
under
the
code
here
now.
Let
me
give
you
a
suggestion
that
we
gave
to
a
lot
of
people
in
the
Oakland
Hills
fire.
How
many
of
you
have
a
frequent
flyer
miles
credit
card
short
hands.
D
D
A
D
D
They're
rebuilding
Together.
We
got
to
give
these
folks
a
lot
of
credit.
You
know
these
seminars
don't
come
together.
Just
somebody
makes
a
phone
call
and
snaps
their
fingers.
It
takes
a
lot
of
work
and
a
lot
of
patience
and
Amy
and
her
United
policyholders
and
Bob
rebuilding
together
deserve
a
lot
of
credit
for
you
guys
and
a
lot
of
things
from
you
guys
for
putting
these
seminars
together,
because
it's
a
lot
of
work
and
Amy.
Thank
you
for
doing
this.
A
Well,
I
appreciate
that
it's
very
kind,
and
and
again,
as
I
mentioned
earlier,
we're
the
funding
for
this
program
has
been
provided
by
a
grant
from
both
the
Silicon
Valley
Community
Foundation
and
the
San
Francisco
foundation.
So
we
thank
them.
Okay,
so
I'm
going
to
open
it
up
to
questions
and
and
and
I
would
love
the
questions
to
include
any
future
programs
that
you'd
like
to
see
us
organized.
A
As
I
mentioned,
we
will
be
doing
another
program
on
financial
considerations
with
when
the
tax
issues
get
clarified
further
and
but
we're
very
open
to
some
other
ideas.
So
questions
and
we
have
oh
sure,
yeah
great
great
great
question-
how
many
of
you
saw
the
article
in
the
San
Mateo
Daily
Journal
show
hands:
okay,
1
2,
how
many
of
you
saw
the
postings
on
the
listserv,
the
Glenview
listserv?
A
A
Yeah,
that's
good
to
know
any
other
sources
of
information
that
led
you
here
today
that
we
didn't
mention
the
telephone
somebody
somebody
called
you
yeah,
okay
could
have
could
have
could
have
been
me.
Okay,
any
questions,
a
flier
mail
from
the
city,
any
anything
else,
okay,
good!
Well,
we
are
really
working
hard
to
get
the
word
out
about
these
events
and
I'm
so
pleased
by
the
turnout.
I
was
sweating
about
this
okay
questions
for
our
panel
I.
G
C
G
A
D
Make
something
very
clear
here
unless
things
have
changed
since
I
was
a
kid
San
Bruno
is
within
San
Mateo,
County,
okay
right!
So,
if
you
move
out
of
the
county,
you're
gonna
have
to
find
out
whether
that
county
will
accept
it.
Okay.
So
if
you
go
to
you
have
a
receptacle
and
there's
only
four
that
do:
okay,.
C
F
A
tax
question:
well,
actually
I
probably
have
two
one.
Is
you
had
pointed
out
this
two-year
clause
here
if
you
did
not
receive
money
last
year,
but
you
will
receive
money
this
year
that
that
extends
to
the
December
31st
of
whatever
the
tax
year
is
or
is
it
two
years
from
the
date
you
receive?
Okay,.
D
G
F
My
other
question
is:
if
I
am
NOT
the
homeowner,
but
I
am
a
survivor,
a
surviving
family
member,
that's
administered
that
property
and
I'm
receiving
that
money
into
the
estate,
as
opposed
to
for
my
own
self
to
rebuild
my
own
home,
which
I'm
not.
Is
there
any
difference
in
how
that
money
is
handled?
If
it's
going
into
an
estate.
D
D
F
C
E
I'd
say
you
know,
the
the
county
has
records
and
for
the
most
part,
they're
failing
fairly
accurate
I
would
check
to
see
make
sure
if
you
look
back
and
you
notice-
hey
I
did
in
addition
10
years
ago
and
that
doesn't
reflect
what
was
there
to
take
a
look
at
our
city
records
to
see.
You
know
the
exact
square
footage
that
you
added.
We
we
base
most
of
our
records
off
the
county
records
as
well,
plus
whatever
we
have
in
permits.
I
might.
C
C
13
was
established
in
1978
and
it's
based
on
the
sales
price,
so
if
it's
been
transferred
in
a
sale
that
it's
won
and
any
bonds
and
assessments
per
year
of
the
sales
price.
So
when
did
you
purchase
your
house
42
years
ago,
so
your
taxes
have
only
gone
up
every
so
often
I
mean
they
can
go
up
a
certain
percentage
every
year,
but
that
is
their
established
at
that
point.
If
you
do
a
remodel
and
they
thinking.
C
A
You
well
I
think
we're
gonna
stick
to
our
schedule.
If
there
are
any
more
questions,
I'm
sure
the
panelists
will
be
happy
to
answer
them
I'm
out
in
the
hall,
but
I
want
to
again
thank
rebuilding
Together
Peninsula
for
being
fabulous
partners.
In
the
event,
you
have
a
whole
mutual
admiration
society
going
last
chance
for
a
raffle
entry,
if
you're,
if
you
didn't
get
a
ticket
for
this
fourth
and
final
workshop,
raise
your
hand.
Otherwise
we
were
gonna.
Do
the
final
drawing
and
carry
thank
our
generous
vendors.
Yes,.