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HUKUM CHAND PASSED AWAY

It is to inform with great heart and grief that Mr. Ramesh Suman (Broker Realtor) the owner of Majestic Homes’s father-in-law Hukam Chand passed away on March 4, 2014 at John Muir Hospital in Concord (California). (1) Visitation will be held on Tuesday, March 11, 2014 from 5-7:00pm. (2) Funeral service Wednesday, March 12, 2014 at 10:00 a.m.  at the Pittsburg Funeral Chapel, 2295 Railroad Ave Pittsburg. (3) Cremation services following at Oakview Memorial Park 2500 E. 18th St., Antioch, California 94509 at 12:30 PM and (4) Final ARDAS and Guru Ka Langar will be at Shri Guru Ravidass Temple, 2150 Crestview Drive, Pittsburg CA, after the funeral. For more information you may contact Mr. Ramesh Suman (925) 366-3618.

Late Hukam Chand was father of Mrs. Gyan Suman (Head Cashier of Shri Guru Ravidass Temple, Pittsburg, California and an elder brother of Mr. Harbans Kalu Ex Vice President of Shri Guru Ravidass Temple, Pittsburg, California and also brother-in-law of Mr. O. P. Balley, General Secretary of the Supreme Council, Shri Guru Ravidass Sabhas, USA.

Mr. Hukum Chand was born in Barian, Punjab in India on February 11, 1928.  He went to Fiji Islands with his parents in 1936.  He was a member of Fijian Advisory Board and the served the local police force also. He used to do Shabad Kirtan on Radio in Fiji.  He migrated to United States with his family in 1975.

He is survived by his wife Satya Chand, three sons, 2 daughters, 16 grandchildren and 17 great grandchildren.  His beliefs in his culture and religion were very firm.   He was a very friendly person, he used to stop and greet every one he met.   He will be dearly missed by us all. He survived a deadly attack in Fiji when he was on duty at New Zealand Commissioner's home 1971.   He was a tough man.  Doctors told him numerous times that he would not survive, but he proved them wrong time after time.  Finally on March 4, 2014 he surrendered to GOD. 
His legacy will remain with us forever.
Posted on www.ambedkartimes.com March 10, 2014

SRI GURU RAVIDASS TEMPLE – PITTSBURG
Ramesh Suman

Sri Guru Ravidass Temple was opened in Pittsburg California in 1985.  Founding members started working towards a goal of building our own Gurughar in California. Sidhu family, Jagur family, Bangar Family, Rattu family, Sheemar family, Dharma family, specifically Mr. O.P. Balley, Mr. Sohan Singh Damria, Mr. Hardev Singh, Mr. Mr. Gulzara Jagur, Mr. Deo Raj Sandhu, Mr. Sukhraj Chopra, Mr. Teja Singh, Late Mr. Karma Ram Dalel, late Mr. Lahori Ram, late Mr. Mulkh Raj, late Mr. Sansara Jagur, late Mr. Nasib Chand Jagur, Mr. Satya Pal Bangar and so many other families came together to help build this Gurughar.

Mr. Gulzara ' Charley' Jagur found a church for sale in Pittsburg.  He negotiated the deal on behalf of the committee.  He even donated his commission for this good cause.

I remember when Mr. Nasib Jagur, Mr. Satya Pal, Mr. Sansara Jagur, Mr. Moti Baru, Late Mrs. Bachani Dalel, Mrs. Seebo Dharama used to cook lungar for the sangat. It used to be a three day event.  Most of the people came to Gurughar, worked on building repairs and cooked food.  Children used to come and enjoy the festivities while the parents worked tirelessly to start this Gurughar.  It took a few years to get this Gurughar ready for Sangat.

Mr. Moti Baru is very dedicated to Gurughar,   for years he took care of the landscaping. He drove 50 miles to come to Gurughar every week to cut the grass, trim the bushes and plant flowers all year round. He donated flowers, plants, fertilizer or whatever was needed to make our Gurughar lawns look like a park.  I have seen some people stop in front of the gate and admire the landscaping.

Past committees saved and paid off the loan on this Gurughar.  Replaced the old roof, paved the parking lot and built a new kitchen and bathrooms.  In 2005 the committee bought the adjacent building.  This building used to be a gym.  This building was renovated and used for major celebrations because the original Gurughar could not hold all the Sangat on these events.  There was a loan on the Gurughar which was paid off by the previous committee when Ram Parkash Raju was the president.

In December 2012, committee decided to remodel this new building for the Gurughar.  President Salinder Bhatia headed the project with the help of handful sewadars.  Mr. Mohinder Banga was the man to get the blue prints, permits and design this Gurughar.  He used his license to purchase most of the material at wholesale cost and saved us a large amount of money.  Most of the sewadars worked voluntarily donating their time.  Only a few skilled people were hired to do some specific job.  Sangat donated for the construction with open heart, may Waheguru bless them all for their contributions.

In addition to Salinder Singh Bhatia and Mohinder Singh Banga, Santokh Madhar painted inside of the building at no charge for labor, Hardial Banga supplied free labor for tile installation and texturing, Sukhdev Banga installed the sound system.  Few members lent money to buy materials. Some of the sewadars were, Ajay Chahal, Baljit Singh, Ramesh Ralh Gian Salhan, Balwinder Kumar, Rajinder Hans, Jaila Jaggi, Ravi Jaggi, Jagtar Bhatia, Shinder Pal Narabut, Raj Kumar, Sanjeev Kumar, Happy Badbhaga, Ronesh Suman, Prem Saroya,  Santokh Ralh, Gurdev Singh Sidhu,  Assa Ram, Sarbjit Singh, Karnail Heera, Balbir Chand Mall, Dilbag Singh, Hans Raj Raipur and many others. These sewadars worked long hours pretty much every day to get this Gurughar ready for the Sangat. Shane Singh.  I must say Gyan Suman was one lady to work with them shoulder to shoulder. Most of the times, Renu Madhar, Babita Chahal and Laxmi Raipur made lungar for the sangat during construction.   Unfortunately, there are very few founding members left. Mr. Sohan Singh Damria and Mr. O.P. Balley are still very actively participating in the Gurughar functions.   Mr. Balley is always there to offer advice and help with any correspondence. 

  As soon as you enter the Gurughar, you can't help saying "WOW".  This is probably the biggest and the best Guru Ravidass Gurduara in California. This Gurughar can now accommodate large gatherings.  It has one of the best design for the stage, the way the CHANANI is suspended  from the ceiling, new Sach Khand,  about 2 dozen speakers, great lighting system with some chandeliers and led bulb lights, thickest carpet for comfortable sitting, central heating, dual pane windows, new bathrooms and so much more.

Civil Marriages can also be performed at this Gurughar.  Our Head Granthi Harjinder Singh Ji Rasia can make the arrangements.  This will save time and hassle of going to Reno or to Courts to get the marriage certificate.

This Gurughar was opened to Sangat on May 5, 2013 on Baba Farid ji's birthday. Sri Guru Granth Sahib was brought respectfully to this Gurughar form the original Gurughar in the presence of hundreds of members and Punj Piare. These celebrations went on until the late hours of the day. Everyone was so appreciative of the workmanship.  Committee did not cut any corners; they used the best of everything.   There are a few new members in the present committee, they will bring some new ideas and make some positive changes.  I look forward to see them succeed.

This grandeur Gurughar is a matter of great pride for our community. This is one of the big milestones in the history of our Gurughar and our sangat deserves the credit for supporting such a large commitment.  Board of Directors and the Managing Committee can't do much without the support from all the members. This work is not over yet by any means, we need to continue this momentum and start the other projects like new kitchen and repair of our first Gurughar as soon as possible.  We need to donate to this worthy cause as much as we can and frequently as we can.

I am glad to be a part of our community.  I know we are not perfect but we are moving in the right direction. May Waheguru Sahib Sri Guru Ravidass Ji Maharaj give all of us the strength and ability to continue building our Gurughars & schools, educate our children, develop our community and increase our social and religious awareness.

I am so sad to let you know that Mrs. Kartar Kaur Bains mother of Mr. Avtar Singh Bains, passed away this morning at their home in Pittsburg.

 Mr.  Avtar Singh Bains and his wife Mrs. Debho Bains were planning to do path sewa in the Gurughar  for her health. They have been taking care of his mother for a long time.  I can only imagine how they might be feeling at her heavenly departure.

May god bless her soul and give courage to the family to bear this loss.  

My heartfelt condolences to the family.

Ramesh Suman
Broker/Realtor, DRE -  00871752
Majestic Homes, 3432 Hillcrest Ave- Suite 200,  Antioch, CA 94531

Office Phone: (925)779-1234, Direct Phone: (925)366-3618, Fax: (925)219-3918 , Email:
Ramesh@RameshSuman.com

SHORT S SALE
SHORT S SALE

SHORT S SALE: Short sale is when your property values is below the loan amount you owe on the property. A few years ago, most of the people in the real estate business did not understand short sale. Loan modification and short sale were new terms. In last 4-5 years we have more short sales than traditional sales. If you are having a difficulty in making loan payments, you should discuss with your lender or a real estate professional, who is experienced in this field, various options that are available to home owners to stay in their homes. You should ask your lender to modify loan terms or give you some kind of help before you start thinking about the short sale. Fannie Mae and Freddie Mac have tweaked their Automated Underwriting Systems (AUS) and many borrowers who were previously unable to get approved under HARP 2.0 are now getting approved. 15-year and 10-year terms are also now getting approved with unlimited LTV, in addition to the 30-year, 25-year and 20-year terms. Ask your lender if you can be approved now.

DO NOT PAY IN ADVANCE FOR A LOAN MODIFICATION. Go to HUD Approved Housing Counseling Agencies for help.

If you have to short sell the house you should consult with a real estate professional. Check with your lender if you will qualify for a HAFA short sale. There is $3,000 incentive for the sellers. Not all the homes qualify for a short sale.
You may be eligible for HAFA if you meet all of the following criteria:
•You have a documented financial hardship.
•You have not purchased a new house within the last 12 months.
•Your first mortgage is less than $729,750.
•You obtained your mortgage on or before January 1, 2009.
•You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a mortgage or real estate transaction.

Chase Mortgage has very good programs to help sellers who have to short sell their homes. The incentive can be up to $30,000.00. (Not HAFA program), amount of incentive may vary depending upon each situation.
On July 11, Gov. Jerry Brown signed the California Homeowner Bill of Rights (AB 278), which is designed to halt the abusive tactics of loan servicers and protect struggling homeowners who are trying, in good faith, to renegotiate their mortgages. The passage of the bill makes California the first state in the nation to take provisions in the National Mortgage Settlement, which covered the nation’s five largest mortgage loan servicers, and apply those rules to all mortgage servicers.

It's a Seller's Market. There are few properties available for sale. There are multiple offers on the property because the interest rates have been very low in the past few months, making loans very affordable for buyers.. We are witnessing buyers offering more than the asking price. There are a lot of investors with large cash to buy properties. It makes it very hard for the first time home buyer with FHA loan to compete with CASH buyers. Most sellers want to sell their properties fast and they accept the lower cash offer than the full price or over the asking price offer. Ask an experienced Realtor for help.
NOTE IT PLEASE: This article is for informational purposes only, not to be considered a legal or financial advice.
YOU MUST CONSULT WITH AN ATTORNEY & ACCOUNTANT TO UNDERSTAND THE CONSEQUECES OF YOUR SHORT SALE.
Ramesh Suman
Broker, DRE License – 00871752, Director - Delta Association of Realtors
Certified Distressed Property Experts, Certified HAFA Specialist, GRI, RCS-D
Majestic Homes, Real Estate Services, 2006 A Street, Suite 219, Antioch, CA 94509
Office Phone: (925)779-1234, Direct Phone: (925)366-3618, Fax: (925)219-3918
Posted on www.ambedkartimes.com dated October 24, 201

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