Life in Walnut Creek, Lafayette and surrounding areas

Video Presentation...Walnut Creek CA Market Report

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Sun, 07 Mar 2010 13:32:10 -0600

The following video presentation is a market report showing a one-year trend of the Walnut Creek, CA housing market. The information is for Single Family, detached, residential homes only. It does not include Condos, Townhomes or Land properties. Walnut Creek is located in the East Bay Inland area of Contra Costa County.

This information is compiled from the Contra Costa Association of Realtors MLS as of March 6, 2010. Graphs were compiled using Clarus MarketMetrics®.

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I live, work and play in Walnut Creek, CA! For Real Estate and community information about this beautiful city as well as the surrounding areas, please visit my website at www.TerriAdamsScott.com

Video Home Tour...Bank Owned Home in Concord, CA

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Thu, 04 Mar 2010 16:39:36 -0600

Video Home tour...Bank Owned Home in Concord, CA.

Located in the popular Dana Estates neighborhood and minutes from downtown Concord and Schools. The home features 3 bedrooms, 2 baths, approx. 1568 Sq. Ft. of Living Space, nicely updated throughout, newer windows and doors, plus much more! The home is currently listed for $346,900 on the Contra Costa Assoc. of Realtors MLS. If you would like more information about this home, please give me a call. Information is deemed reliable, but not guaranteed.

Bank Owned Home in Concord, CA produced by Terri Adams-Scott on WellcomeMat

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Walnut Green Homeowners Association...6 Year Sales Review...Walnut Creek CA

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Thu, 25 Feb 2010 16:41:23 -0600

Walnut Green Homeowner's Association is located in the Northgate area of Walnut Creek, CA. It's a community of 228 Homes located among 24 Cul-de-sac streets.

The following is a review of Home Sale Prices within the past 6 years. The chart is broken down into 4 different groups based on the similar model homes. It shows the number of homes sold per year, the selling prices, square footage, lot size and price sold per square foot.

As you can see from the chart, today's prices are most reflective of those from the year 2003. The peak sales years of 2006/07 show the highest price these homes have ever sold for. This is a stable community located within the top ranking school systems and you rarely see a big turnover in ownership. If you would like to learn more about this wonderful community, please contact me!

Group 1:	3 BR/2 BA
Year	Sold Price	Sq. Ft.	Lot Sq. Ft.	$/SF
2003	$572,000.00	1517	4200	377
2004	$610,000.00	1517	7605	402
	$655,000.00	1528	4500	429
2005	No Sales
2006	$790,000.00	1517	4200	521
2007	$810,000.00	1528	7140	530
2008	$745,000.00	1517	6120	491
	$659,000.00	1528	4392	431
2009	$545,000.00	1528	5250	$357
	$600,000.00	1517	6035	$396
	$644,000.00	1517	6120	$425

Group 2:	4 BR/2 BA
Year	Sold Price	Sq. Ft.	Lot Sq. Ft.	$/SF
2003	$589,000.00	1756	4800	335
	$600,000.00	1756	5200	341
	$605,000.00	1756	4500	345
2004	$665,000.00	1756	4800	379
2005	No Sales
2006	$825,000.00	1756	5200	470
2007	$720,000.00	1756	4560	410
	$860,000.00	1756	5525	490
2008	No Sales
2009	$610,000.00	1756	4636	$347

Group 3:	4 BR/2.5 BA
Year	Sold Price	Sq. Ft.	Lot Sq. Ft.	$/SF
2003	$612,000.00	1838	3640	333
	$668,000.00	2161	4800	309
	$695,000.00	2162	7020	321
	$625,000.00	2162	3600	289
	$646,000.00	2164	3894	298
2004	$715,000.00	1837	6435	389
	$665,000.00	1839	4200	362
	$769,000.00	1839	5250	418
	$695,000.00	1852	3850	375
	$755,000.00	2161	3660	349
	$688,000.00	2164	4920	318
2005	$775,000.00	1837	3850	422
	$832,000.00	1839	4200	452
2006	$875,000.00	2103	4080	416
	$870,000.00	2161	3660	403
2007	$746,000.00	1838	3900	406
	$729,000.00	2161	3660	337
2008	$800,000.00	2162	5850	370
2009	$640,000.00	2103	4550	$304
	$680,000.00	2101	5400	$324

Group 4:	4+ BR/2.5+ BA
Year	Sold Price	Sq. Ft.	Lot Sq. Ft.	$/SF
2003	$715,000.00	2681	6860	267
	$675,000.00	2682	4964	251
	$739,000.00	2683	4200	275
	$723,000.00	2683	5440	270
2004	$849,000.00	2357	4440	360
	$795,000.00	2683	5100	296
2005	$880,000.00	2681	3600	328
2006	$1,000,000.00	2683	4575	373
	$950,000.00	2683	4200	354
2007	$985,500.00	2682	6490	367
2008	$915,000.00	2683	4800	341
2009	$747,000	2683	5100	$278
	$685,000	2681	4900	$256

This information is compiled from the Contra Costa Association of Realtor's MLS data on closed sales transactions as of 2/25/10. These figures do not reflect Private Sales. This information is deemed reliable, but not guaranteed.

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Can you get a good deal buying an Auctioned, Foreclosed Property on the Courthouse steps?

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Sun, 17 Jan 2010 13:42:24 -0600

I have to admit, being a REALTOR is an everyday learning process! One of the items on my bucket list this year was to attend an auction of foreclosed property on the steps of the County Courthouse. I wanted to see how the process worked and whether or not you can get a good deal buying property this way. I had been warned by fellow agents that it's a pretty tight-knit group there (investors) and they don't like new competition! I was extremely curious so off I went with another Realtor friend and the following is our experience.

Here's what I was expecting to see...One Auctioneer handling all the properties that were up for auction that day. I also expected the bidders would have to sign up ahead of time and be given a number that identified them. WRONG!

We were also expecting some kind of a print out sheet or posted notice of the auctioned properties...WRONG again! This is public information, but you have to get the information somewhere else...most subscribe to a foreclosure service. So far, didn't seem to be a very organized auction in my book!

One thing we did have correct is that the properties are truly auctioned off on the courthouse steps. When we arrived, we noticed the (expected) glares and stares we received from a group that was huddled close together. We figured those must be the serious bidders/investors and nicknamed them 'The Sharks'! We picked out a couple of guys that seemed to be 'swimming in their own pool' and looked approachable. We introduced ourselves, stated we were NOT there to bid and explained we just wanted to learn more about it for our own professional growth. The two gentlemen were very kind and shared their expertise with us...not surprising because they were Real Estate Brokers and always willing to help a fellow Realtor!

Below is a short, 23 second video that actually shows an auctioned property in progress. Depending on the number of properties to be auctioned, you may have multiple auctions going on at the same time. Each auctioneer announces the property address and the opening bid price. If you want to bid, you hand them a cashiers check and your ID. If no bids, the property is sold back to the bank.

Here's a little summary of what we learned if you want to venture into purchasing these auctioned, foreclosed properties:

1. Take swimming lessons...you will be swimming with the sharks! The serious investors are not bad people...don't get me wrong...it's just that they are very experienced and this is BIG business to them.

2. Have a team approach. If you're intending to bid on more than one property, you'll have to work in teams because while you're bidding on one property, the other one you want to bid on could be going on simultaneously with another auctioneer.

3. Research, Research, Research the property well before the auction. You will need to know if the property has any liens on it, are there occupants in the home, what's the condition of the property and very important...make sure you know that you're bidding on a First Loan (not a second!). To research all this, you need weeks of preparation and the right professional assistance.

4. Create a spreadsheet detailing all your estimated costs and desired profit percentage so you know the max you can bid to make it profitable. I saw a spreadsheet and there are costs that the non-professional bidder would NEVER think of!

5. Know the comparables of the property you want to buy. Once again, the normal consumer does not have accurate, quick access to this like a Realtor has. (I wouldn't rely on Zillow!)

6. Go observe the process first...maybe a couple of times...to see how it works and whether or not you feel intimidated by the other bidders.

7. This is a full-time job is you want to be a serious bidder and get into this as a Flipper...or you'll be another statistic in the Flopper group!

8. These are CASH ONLY purchases. No, you don't carry actual cash, but you will need Cashier Checks made out in increments of $10,000.

This was quite an eye-opener for me! I've always known that buying foreclosured properties at auction was a risky business if you didn't know what you were doing. You usually don't have the luxury of viewing the home ahead of time and have no property disclosures to rely on.

As entertaining and educational as this auction was, we couldn't help but feel sad for the homeowner who lost these homes due to unfortunate, financial circumstances. Their dreams and memories were being sold out to the highest bidder!

So, is buying foreclosed, auctioned property on the county courthouse steps a good deal? I'm sure it is...if you know what you're doing and have professional teams to support you. Not recommended for the little tadpoles out there!

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What is an Escrow? Well...it's kind of like the three trimesters of pregnancy!

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Wed, 13 Jan 2010 21:45:39 -0600

Congratulations...you've tested positive! Your offer has been accepted, you're expecting a new home and you're now in escrow! So what exactly is an escrow? This is a question many First-time Homebuyers ask as they're new to the home buying process.

Well, it's kind of like the three trimesters of pregnancy. It's a process you go through from inception of an accepted contract to the delivery of your new home.

First Trimester (Days 1-17): You just found out your contract was accepted and you're expecting the delivery of your New Home soon! You've been planning for this special moment for a long time and now that it's becoming a reality you have all sorts of feelings and 'to do' lists hitting you at once. You're happy, excited, scared and feeling a little overwhelmed because there's so much to do in such a little amount of time! Well, contain yourself and take some deep breaths because these first seventeen days are crunch time! You will be performing and reviewing all your investigative inspections, getting any remaining loan documentation needs to your lender, reviewing disclosures about the property, getting an appraisal...just to name a few! Just like in pregnancy...this first trimester is dependent on whether or not this new bundle of joy is meant to be! Don't worry...think of me as your birthing coach and I'll be there to guide and consult with you every step of the way. Also, don't be alarmed should you feel a little morning sickness! It's pretty natural and it will go away!

Second Trimester (Days 18-28): This is a lull time in which you will just be monitoring your progress. Things have definitely calmed down and you will get some of your drained energy back. This would be a good time to start packing up those items you don't use everyday. Make arrangements with movers/friends for your big day. Some things will come up that need your attention, but hopefully nothing too alarming. Practice those Lamaze breathing techniques...to calm yourself and to prepare for that last trimester! By the way, that morning sickness should have gone away...yippee!

Third Trimester: (Days 29-40): You're coming close to term and all last minute details need to be addressed. Your lender is packaging your final loan documentation and communicating with the Title and Escrow Company. Once all the conditions of the loan requirements have been met, your lender will have you come in for what we call 'the signing'. This is usually the last 3-5 days before the 'birth' of your new home! Exercise those fingers or you will cramp up from all the signatures you will provide! Don't worry, an epidural won't be necessary in this labor...it's not an unbearable pain! Once that's done, the loan documents go back to the lender and they do what's called 'funding' the loan. Once the lender has 'funded', the following day (usually) is when the Title Company goes to the County to record the new deed into your name. Once that is officially done...Congratulations...we have a successful "close of escrow"! You did it and you are now the proud owners of your new bundle of joy! As your birthing coach, I get the pleasure of delivering to you the keys to your new home!

(This is based on the scenario of a California, 40-day escrow...which is typical in today's market on a financed loan).

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Appealing Your Property Tax Assessment...Video Tutorials

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Tue, 29 Dec 2009 11:57:07 -0600

Appealing your Property Tax Assessment...Video Tutorials, are provided by California's State Board of Equalization. They have on their website 9 short videos that help walk you through the process of preparing and presenting your appeal at your county Board of Equalization or Assessment Board. I think they have done a great job in explaining the process and it's for consumer information. It may seem like an overwhelming process, but your first step is understanding the process and the time frames involved to make your appeal. As they say...Knowledge is Power...so inform yourself and you could save a considerable amount of money should your home's Property Tax Assessment be overlooked by your County Assessor.

To view the video tutorials, go to www.boe.ca.gov/info/AssessmentVideo/AppealAssessmentIndex.html

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Which Remodeling Projects offer the best return...Survey Says....

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Mon, 28 Dec 2009 19:11:30 -0600

Which remodeling projects offer the best return on your investment? According to the Remodeling Cost vs Value 2009-10 Report, its Survey Says...replacing your front entry door! For a cost of approximately $1300 (mid-range, steel door), you recoup a whopping 128% of your investment!

The report includes 33 remodeling projects and breaks it down into Cost, Resale Value and Cost Recouped. The report also breaks it down into nine Regional Averages among the 80 metropolitan areas surveyed.

For the Pacific Region, the majority of the Top 10 projects with the greatest return on your investment fell into the Exterior and Energy Saving categories. Also, the majority of the 10 remodeling projects with the best return on investment nationally involved home maintenance items that cost less than $14,000.

Upgrading kitchens and baths are still a smart bet. However, home owners will recoup the greatest share of their costs by foregoing super-deluxe projects in favor of mid-range kitchen and bath remodels.

To view the whole survey, go to Remodeling Magazine. If you're thinking of starting a remodeling or addition project in the Walnut Creek, Lafayette, Concord, Alamo or surrounding areas, give me a call and I'll be glad to share licensed contractor referrals with you. Before hiring a contractor for a major project, always check to see if they are licensed and in good standing. To check this, go to California's Contractors State License Board.

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Video...Differences between FHA vs Conventional Loan Requirements

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Tue, 15 Dec 2009 20:12:05 -0600

There are many different loan programs out there today and it can seem a little overwhelming, especially to the first-time homebuyers. In this video interview, we discuss the differences between FHA (Government-backed loans) versus a Conventional Loan. We briefly review different criteria and what those requirements are with the different loan products. My guest speaker was Yvonne Hemmingsen, Mortgage Loan Consultant, with Diversified Capital.

The first step in the home-buying process is to sit down with your Mortgage Loan Specialist to determine what the best loan product is for you. There are many options to choose from based on your financial situation and credit worthiness. The information in this video was based on information available as of Dec. 15, 2009 and is subject to change.

FHA vs Conventional Loan Requirements produced by Terri Adams-Scott on WellcomeMat

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Concord CA..."Available Homes For Sale" Analysis

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Thu, 10 Dec 2009 20:12:47 -0600

Concord, CA..."Available Homes for Sale" analysis. This report includes Single, detached homes only that are currently available for sale per the Contra Costa Association of Realtors MLS as of Dec. 10, 2009.

It appears to be trending more from Bank Owned to Short Sales. You can see from the chart below that the bulk of available homes are priced at $499,000 and below (approx. 77% of ALL available). With this trend, the report is geared to show you how each price range breaks down to the type of sale it is. Here's the terminology of the categories: REO (Real Estate Owned/Bank Owned); SS (Short Sale); NONE (non-distressed/normal sale); DOM (days on market); $/SF (Price per square foot).

There are 129 homes currently available for sale. This chart shows the breakdown based on ALL available.

Avg. Price	%REO	%SS	%None	DOM	$/sf
$437,000	32%	51%	17%	60	$233

Now let's look at how this breaks down per price range. Prices are rounded to the nearest hundredth dollar.

Price Range	% of Total	%REO	%SS	%None	DOM	$/SF
up to $199k	5%	43%	43%	14%	57	$167
$200-$299k	29%	18%	56%	26%	37	$204
$300-$399k	21%	22%	19%	59%	34	$239
$400-$499k	22%	18%	25%	57%	66	$238
$500-$599k	9%	9%	27%	64%	94	$265
$600-$699k	6%	0%	12%	88%	68	$311
$700-$899k	5%	0%	17%	83%	183	$220
over $900k	3%	0%	0%	100%	109	$327

Summary: With investors and First-time homebuyers, the $375,000 and below market is the most active and sought after price range. With the increase/trend of more short sales versus Bank Owned, it seems to confirm what the media is saying that the push is towards the banks to work more with the owners versus foreclosing on them.

What does this mean for the home buyers? Be prepared to be in multiple offer situations in the $375k below market. Also, lenders are demanding offers to be closer to 'market' prices on Short Sales and less likely to negotiate 'hot deals'. Also, until the majority of banks learn how to streamline their Short Sale process...buckle up! A Short Sale transaction will require extreme patience and time!

If you would like more information about buying or selling a home in the Concord and surrounding areas, please contact me. If you would like to learn more about Concord, CA, please visit their website.

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Who is buying the bulk of REO's in your neighborhood?

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Mon, 21 Sep 2009 20:36:04 -0500

Who is buying the bulk of the REO (Bank Owned) properties in your neighborhood? It's very frustrating for the 1st Time home buyers when the bulk of the homes they can qualify for are going to the 'all cash' buyers...which are typically investors. I know from experience and numerous offers that the banks don't care about selling their properties for the highest possible, fair market value. They opt for the less-risk offer which is all cash. I get it...I know they want the properties off their books...but it doesn't mean I have to like it! I just wish one of the bank's incentives were based on revenue rather than just number of units sold. I say that based on my experience and opinion.

One of the areas with the bulk of the REO homes for sale is located in Antioch, CA. The following chart shows the sales from Aug. 1 through Sept. 20, 2009. It covers detached, single family homes only. There were 232 homes that closed escrow during that time period. The "Cash" offers represent 28% of all sales and 75% of the REO (Bank Owned) sales.

How Sold	Total % of All Sold	Avg. Selling Price	Days on Market	Sold $/Sq. Ft.	% REO	% Short Sale	% Regular
Cash	28%	$181,469	22	$101	75%	8%	17%
Conventional	43%	$224,014	29	$111	63%	9%	28%
FHA	26%	$233,758	43	$106	60%	23%	17%
Other	2%	$164,000	16	$99	80%	0%	20%
VA	1%	$283,333	59	$127	0%	33%	67%

So, who is buying the bulk of the REO's in your neighborhood...cash investors or 1st Time home buyers? (To me, I don't put 1st Time home buyers in the 'all cash' category!)

(The above figures were taken from the Contra Costa Assoc. of Realtor's MLS effective Sept. 21, 2009)

If moving to Walnut Creek or the East Bay of California, give me a call, search the MLS or view My Website for more information.

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Walnut Green 3rd Annual Community Garage Sale Video

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Sun, 13 Sep 2009 17:55:26 -0500

Walnut Green 3rd Annual Community Garage Sale was a BIG and successful event this year! This 228 home development is located in the Northgate community of Walnut Creek, CA.

The early morning hours of thunder, lightning and rain didn't keep these homeowners from enjoying their annual event! They got creative with tarps and tents to cover their treasures. There were 28 families that participated this year and the event was highly publicized. I don't know who had more fun...me or the homeowners! The video is a highlight of the participating families sharing their goods and success stories.

Walnut Green's 3rd Annual Community Garage Sale produced by Terri Adams-Scott on WellcomeMat

To learn more about this community or find homes available for sale, please give me a call at (925) 765-4339. To search the MLS or learn more about Walnut Creek Real Estate, please visit my website.

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Walnut Greens 3rd Annual Community Garage Sale

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Sat, 05 Sep 2009 10:34:10 -0500

Walnut Greens 3rd Annual Community Garage Sale.

This year's community garage sale has over 20 families participating in this event. This development is located in the Northgate area of Walnut Creek, CA and has 228 homes all located within 24 cul-de-sacs.

The community rallies together for this event and offers a wide range of items to be sold. The kids get involved by setting up lemonade and bakery stands.

Grab the family and friends and come on over!

When: Saturday, Sept. 12th, 2009

Time: 9 AM to 1 PM

Where: Walnut Creek, CA (click for map)

Information: FREE Maps of participating homes will be located at the corner of Doncaster Dr. and Arbolado Dr. which is the entrance to Walnut Green.

Sponsor: Terri Adams-Scott, REALTOR

Contact: (925) 765-4339 or email at: terri@terriadams-scott.com

For more information about this event or available homes in this community, please don't hesitate to give me a call.

To search the MLS or learn more about Walnut Creek and East Bay Homes, visit my website.

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2009 Contra Costa County Q2 Market Report

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Wed, 29 Jul 2009 11:14:00 -0500

I am pleased to share our Quarterly Market Report for the Second Quarter of 2009 for Contra Costa County. If you would like to learn about your particular neighborhood, or how this data can help you in buying or selling a home, please contact me.

For more information or to search the MLS for homes in the Walnut Creek and surrounding areas, please visit my website: http://www.terriadams-scott.com

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Ever feel like the AFLAC duck....uh?....grrrrr!

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Thu, 16 Jul 2009 20:07:44 -0500

I just had an 'AFLAC' moment....uh?.....grrrr!

This new 'traditional' listing came up (no REO/Short Sale)...beautifully updated throughout...in the neighborhood my buyer wants...perfect size and amenities...and best of all, priced competitively and in their price range! I hurriedly called the agent...WooHoo...a live person answers the phone! I start asking my typical questions and find out there's 3 offers on it already. Okay... when are you going to present/review the offers? I hear this long, hesitant sigh as the agent proceeds to tell me the seller's demands...or don't bother putting an offer in:

1. Wants a $5,000 deposit

2. No FHA loans

3. ALL contingencies removed in 10 days

4. If appraisal comes in lower than your offer, there will be NO re-negotiation so plan to come up with the difference in cash.

UH?...Okayyyyy...the first two demands are no problem. It also wouldn't be a problem to remove inspection contingencies within 10 days...but removing the loan and appraisal that quickly in today's market is not that realistic for non-cash offers. In regards to demand #4...that's really stretching it! If I KNEW the appraisal could come in around $5000 below, we could probably deal with that. BUT...we all know how crazy this appraisal system is right now! It could come in...for example...$20,000 below our offer...and we'd be expected to pay the difference or risk our deposit (plus inspection costs) if we don't perform? I do have a handle on the values in the area, but gambling that the chosen appraiser shares that expertise...there lies the problem...grrrrr!

So if you feel hurt and can't make the contract work...they'll take cash...which is just as good as money! UH.....GRRRRR!!!

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Moving to Walnut Creek, CA or surrounding area...let me help you!

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Wanna play "I Spy"? Check out this iPhone app...iCam!

Terri Adams-Scott, Realtor, Walnut Creek CA Real Estate (J. Rockcliff REALTORS) — Mon, 06 Jul 2009 19:47:45 -0500

I love my new iPhone 3Gs and all the cool apps that are available! I don't go 'app crazy', but when I find one that strikes my fancy, I just gotta have it!

I came across this app called "iCam" by SKJM, LLC. You can stream up to four webcam video and audio feeds from anywhere in the world to your iPhone or iPod touch over WiFi, 3G and EDGE.

This is not a free app, but was well worth the $4.99 for me. There are multiple reasons why someone may want a surveillance system and mine was primarily out of curiosity to see what my dog is doing while I'm away from home.

There are limited features to this compared to a full surveillance system. It is a one-way system in which you can see and hear what your web cam is picking up. You cannot have a 2-way conversation back to it. It also does not record. So, if you want to spy peek in on the animals, kids or whoever while you're away, this is a handy app to have on your iPhone.

If it sounds interesting, I recommend you read the reviews/forums for yourself and you be the judge. Also, the software you download onto your computer is in beta form. I have used this app for 3 days and have enjoyed it! I'm using the built-in camera on my MacBook Pro.

So...the next time you're out viewing property, BEWARE...the sellers just may be spying on you! With all this technology, it's easier than ever!

Has anyone tried this app? Would love to hear your opinion. If you have another app you really like, please share it with us!

Moving to Walnut Creek...call me at 925-765-4339.

www.TerriAdams-Scott.com

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