Six Creative Ways to Furnish Your Home

by admin on March 5, 2012

Six Creative Ways to Furnish Your HomeAs you look around your home, perhaps you see the need for new furniture; your existing living room furniture needs to be retired from its tour of duty; a child is ready for an updated dresser and nightstand; or maybe you need something completely different for your modest makeover.

Whatever your reason, you have many options besides heading down to the local furniture store and purchasing a full-price couch, chair, table or bedroom set. Depending upon your needs, there are a variety of budget-friendly considerations.

Check out the local furniture consignment shops.  Furniture consignment shops feature “like new” furnishings for resale. People may consign their furniture for a variety of reasons; they may be relocating, downsizing, or simply don’t want the hassle of selling it themselves. A furniture consignment shop will assess the value of the furniture and place it on their showroom floor, allowing buyers to often view items online or in person.

 Visit furniture outlet stores. If your heart is set on new furniture, a visit to a furniture outlet may be worth your time. Buyers may be able to negotiate a discount by purchasing discontinued pieces. This is also a good time to inquire if there are discounts for floor models.  Keep in mind that these items may have some minor damage due to their time on the sales room floor. But they may be so minor that they don’t bother you at all.

Attend an estate sale or garage sale. First, there’s a difference between estate sales and garage sales. The goal of an estate sale (also known as a tag sale) is to liquidate the belongings of a family or estate. These are usually held when someone needs to sell items for a variety of reasons – downsizing, divorce, relocation, bankruptcy or the death of a family member. E

state sales are open to the public and browsers actually wander through the home to view items that are for sale. While prices should be clearly displayed, there is an opportunity to bargain for lower prices. Estate sales are usually run by a professional company with the goal of selling all remaining items within the home.  Garage sales, on the other hand, also feature a variety of items for sale but browsing is limited to the garage and driveway.

Wander through the local thrift shops. Visiting a thrift shop can be a treasure hunt. People donate all kinds of items, ranging from furniture, home furnishings and decor to clothes, jewelry and shoes. Thrift shops are constantly receiving new merchandise from a variety of sources, so each trip can be a new adventure. Just because you don’t find something during your first visit, don’t cross the thrift shop completely off your list. 

Use your own connections to get out the word.  Perhaps you’re seeking a new couch for your family room–why not post your request on Facebook? With dozens of friends visiting your site regularly, there may be a great match between buyer and seller. Of course, if the couch isn’t quite what you had expected, be sure to have a gracious explanation of why it won’t work so you don’t ruin a good friendship.

 View the classified ads. Before the Internet, we used to view the newspaper ads, circling the ones that sounded promising and calling the seller to make an appointment. Today, there is a host of online options ranging from Craig’s List to eBay. Each site may have its own terms of agreement, so read the fine print closely before making any purchases. Freecycle has also become popular over the past several years; with the goal of keeping items out of landfills, all items are “free / recycled” to a new owner.

“Gently Used” Does Not Mean Old!

When you’re in the market for some new furniture, take a fresh look at the word “new.” It may be new to you, even if it has a former life in someone else’s home. There are many reasons people sell their furniture, so in addition to furniture outlet stores, don’t forget some of the creative options like estate sales, classified, and “word of mouse” via social media outlets like Facebook.

If you enjoyed these ideas on furnishing your home, please check out Kimberley Kelly’s Palm Springs California real estate website where you can also search all Rancho Mirage CA homes for sale.

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Interviewing a Real Estate Agent

by admin on February 28, 2012

Interviewing a Real Estate AgentFinding the right real estate agent to help you sell or buy your home is very important.  We become a major part of one of the biggest steps you will take in your life, whether it is the first time or the tenth. You should interview us the way you would interview a potential nanny or employee.

You need to feel a connection and a sense of security in order to trust them with the matters at hand. Following are a few areas that you should discuss when you are interviewing us (your potential Realtors):

1) The first question you can ask is how long have we been in the industry. This doesn’t mean that a fairly new Realtor is a bad thing, but you want someone who is a veteran in your neighborhood. Having someone who knows your area is key. For example, if you live in a suburb, you do not want an agent who primarily deals in the inner city and vice versa.

Because I work in certain areas and neighborhoods, I may not necessarily know the area that you are in or are hoping to purchase in as well as another agent. You want someone who is familiar with your area and our surroundings.

2) The next thing to find out is how much we charge. There will always be a commission fee schedule, ranging from one-to-six percent of the home’s sale price. One thing to remember, however, is that these fees are always negotiable. Do not be afraid to ask us if you can get a lower fee. This is probably the only time that you have a little bit of “wiggle room” to bargain with us. We want your business, of course, and we may negotiate with you a little to get it.

3) Another thing to find out is how we plan to keep you informed on happenings involving your house if you are selling or in regards to potential houses if you are buying. A common complaint among consumers is that after they’ve hired a real-estate agent, and then received radio silence. This is unacceptable, in my opinion.

*The agent you select should provide you with a market analysis once a month, be in constant communication with you regarding other agents’ feedback on the property (if you are selling), as well as offer tips or suggestions to help it sell faster.

4) With that being said, another key factor in choosing your agent is how we will market your home for a faster sale. Currently, some real estate agents really value traditional marketing tools like open houses and newspaper advertising; others are more inclined to market with the traditional tools and then also use website advertising, virtual tours, and social media.

*I have my own opinions about and experience with all of them. Ask me. Ask me what has worked best in previous home sales in your neighborhood and then find out exactly what my plan is.

 5) Ask me what kind of a Realtor I am. Some Realtors are part-time agents and some are full-time. Sometimes, part-time agents are sometimes more comfortable “sitting” on a property for a longer timeframe. If time is important to you, find out what our average “days on market” is. That will tell you a lot about us, including tour ambition, drive, and history of selling.

6) One of the most important factors in selling your house is the price. Finding a Realtor who can list your house at or slightly above market value is one thing; finding a Realtor who can sell it for–or near–that amount is another. Ask us for a history of our recent contracts showing a comparison between list price and actual purchase price. While you’re at it, look at our history of cancelled transactions, contingency contracts, etc.  All of those play an important role in how we will sell your house or find for you the right house.

Be Patient and Ask Us Good Questions

As you can see, there are several things to look at when seeking the right real estate agent for you and your home. Take time in finding the right match, as it is a very important relationship. I will be your liaison to the housing market and you need to trust me completely.

Blog provided by Jolenta Averill a Madison WI Reator who helps buyers find homes in Madison on her website. Please check out her blog for great information on her local Madison real estate market.

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Be Prepared for Real Estate Disasters

by admin on February 17, 2012

Be Prepared for Real Estate DisastersAfter carefully carefully planning the property architecture and executing the best way to get your dream home built, you’re ready to enjoy your new home. You and your family move in, get settled, when there comes a very unexpected disaster. Whoosh, the disaster just ruined the real estate that’s so treasured and important to you.

Disasters arrive in all shapes and types. Hurricanes, tornadoes, tsunamis, hail storms, etc… Yes, the checklist of these natural disasters is quite extended. Yet, the record of non-natural disasters is even wider in range. Terrorist attacks, nuclear meltdowns, pandemic flues, etc…

Cities Prepared for Disasters

Recently, hurricanes have hit New England and New York. In Moscow, tenacious heat waves have descended. A massive flood happened in Australia which killed a lot of people and damaged a lot of real estate property. We must really face the truth, life is full of chance. In a toss of a coin, we really don’t know if the target of the next catastrophe is the location where our treasured property sits. We can get ourselves to safety. But, we can’t escape while trying to take the roof or our new windows with us.

The 5 Least Prepared US Cities

Some U.S. cities are currently more capable than others to survive the whole process of worst-case events that may unpredictably hit them. Here is the list of the five least prepared cities in the US, according to their disaster readiness scores:

1. Albuquerque, NM

2. Birmingham, AL

3. Fresno, CA

4. Pittsburgh, PA

5. Portland, ME

Top 5 Most Prepared US Cities

Here is the list of the top five most prepared cities in the U.S., according to their disaster readiness scores:

1. New York City, NY

2. Dover, DE

3. Chicago, IL

4. Albany-Schenectady-Troy, NY

5. Washington, D.C.

Strategic Planning Efforts

That’s the sad news. The good news is that society as a whole is making major efforts to effectively survive these unexpected tragedies. There are three parts to the current efforts:

  1. Strategic planning
  2. More strategic planning
  3. Even more strategic planning

Knowing how to prepare for disasters will make us plan properly, according to the area in which we live in. Are you located in a disaster prepared area? Finding out that your place is included in the worst prepared cities is not a reason to become agitated or alarmed. Proper know-how of what to do in certain cases in necessary:

Strategic Planning

Always be prepared for the unexpected. With real estate properties, we have to be aware of how to make our house steady and secure. Always check all the parts of the house that need fixing and maintenance to ensure that it will be durable enough to stand any catastrophes.

More Strategic Planning

We can’t really foretell the intensity of any coming hurricane or tsunami or tornado. That means we can’t guarantee how sturdy the real estate structure itself will be. Some houses may be totally wrecked, some may just be blown away, and some may be saveable, but with a lot of damages. Remain calm. Don’t be so upset! Remember, you do have homeowners insurance. Don’t you? Plan how to rebuild your home. You can do it with real determination and a positive mind.

Still More Strategic Planning

You’re getting ready for rebuilding. You’ve passed a lot of tests of durability. So, why surrender now? Go on. Plan as you did the first time you built your most treasured real estate property. Still more strategic planning is the key to recover what was lost for future gain.

This guest blog was provided by Vickie Nagy. Vickie is a Realtor in San Ramon, California and specializes in helping buyers find San Ramon CA real estate. If you’re looking for a luxury home, check out Vickie’s website where you can search all Danville CA real estate and Dublin CA real estate.

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2012 Celebrity Foreclosures

by admin on February 13, 2012

2012 Celebrity ForeclosuresWhat do celebrities OJ Simpson, Vanilla Ice, R Kelly and Octomom, Nadya Suleman, all have in common?

These celebs all have houses that are facing foreclosure. Celebrities invest in real estate properties, which can be a good or bad thing. Let’s take a look at what these celebrities have been up to.

Celebrities Currently in Foreclosure

Orenthal “OJ” Simpson

OJ Simpson has gone through a lot of financial problems since his problems with the law after his late wife’s death.  Simpson who is well known for his NFL history is facing the foreclosure of his Miami home. Simpson who is currently serving up to 33 years in prison for conviction of kidnapping and armed robbery is trying to save his Miami home from foreclosure.  He originally bought the home in 2000 for $575,000, and the home is now valued at $478,000. The home has four bedrooms, and four bathrooms.

Vanilla Ice

Ice, ice, baby! Vanilla Ice, also known to friends and family as Van Winkle, became the first white rapper in the 90’s to make it. Currently residing in Florida, Vanilla Ice was taken to court by the homeowners association for almost $14,000. The home owner’s association gave him first notice of owing back in May 2011 for $2,800, but now he claims that he is not the owner, as he signed ownership to Van-Rap Ltd the same month.

How irresponsible can you be? Has money gone to your head or what? Think of your family. Pay what you owe and be done with it. Over the years there has been much controversy about the truth in his words. Back in 1991, controversy escalated on exaggerations about motocross winnings, which he claims was error by his manager, has gotten him into some negative comments by critics. As many know that he has had problems with drugs and he has never been able to recapture his fame and doesn’t look like he ever will.

R. Kelly

I Believe I Can Fly! Robert Kelly, AKA R. Kelly, popular R&B singer-song writer from the 1990s who grew up in the projects of Chicago. R. Kelly raised by his mother, who instilled in him a strong backing of the Christian faith. In his lyrics he uses this theme. Kelly has gone through some scandals over the years including child-pornography. Now he is facing foreclosure of his Chicago home that he purchased in 1999.

His home originally purchased for $3.5 million, was faced with foreclosure for $2.9 million. Kelly claims that he let it come to this point in effort to arrange for modification with the lender. Kelly’s home is now on the market for sale at $1.595 million, located outside of Chicago, on a private lot 22,000 square feet, and a 12-foot concrete and wrought iron wall, Thank you R. Kelly, for doing the right thing and being responsible with your real estate property!

Octomom, Nadya Suleman

Awh, don’t you just love children! Well, that is what Octomom, Nadya Suleman thinks. She has fourteen children, all from invitro-fertilization, and lives with her mother. In 2009, Nadya gave birth to Octuplets. Although she has had financial difficulties in the past with raising her other six children, she completed her Bachelor’s degree at CSUF and has plans to further her education. Octomom with her fourteen children are facing a financial hardship of foreclosure on their home.

Nadya, knowing that she was out of work from a past injury and living on government benefits was not expecting her financial burdens to affect her residential situation. In 2011, she enlisted the help of a California real estate agency to help sell her home, but they refused, saying they did not want that kind of media coverage and would not help her because of her status. Her status, being that she is a mother of fourteen who receives help from government in means of providing for her family.

Even the Rich Can be Irresponsible

All of these celebrities in one way or another have either been responsible or irresponsible for their actions with real estate and other financial responsibilities. They are not alone.

This guest blog was provided by Allison Klein who specializes in Fort Collins homes for sale. You can learn more about Allison by visiting her website where you can also search all Windsor CO homes for sale and Loveland CO homes for sale.

 

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A Guide To Make Home Buying Simple

by admin on February 7, 2012

A Guide To Make Home Buying SimpleBuying a home is something which very few people consider these days, in spite of it being one their biggest cherished dreams. With the rise in the value of almost everything these days, people are often not in a position to afford the home of their dreams.

For those of you who are thinking of buying your own home, there are a few things which you have to sort out before you start the whole house hunting process. Home buying can be quite difficult if you don’t go about things in an orderly manner. Here are a few things I use to help my buyers who are looking at Merritt Island FL real estate:

A Guide To Make Home Buying Simple

Firstly, when you think of buying a house you need to know what your budget it. It will help if you take time to calculate how much you can afford to pay off monthly towards your mortgage after covering all the other general expenses. Make sure to buy a house which you can afford; don’t go in for something which is way beyond your means. When you are deciding on your budget, take into consideration your annual earnings, monthly expenses and any unpaid debts.

Once you know what your budget is, you need to set your priorities straight. You should know exactly what you are looking for and which needs stand out to be more important than the others. This will help you choose an appropriate neighbourhood too. Once you sort everything out in order of priority, you will find it much easier to go about the whole home buying process. First time home buyers don’t usually have enough money to make a full payment for a house which they wish to buy.

This will obviously require a mortgage loan. This would require you to keep a clean credit history. If you don’t have a good credit history it will be hard for you to get a mortgage loan. Make sure that you keep a clean credit and secure yourself with a copy of your clean credit history. Make sure that all the information that is printed on the copy of your credit history is up to date and true. After getting a copy of your credit history it is important for you to get approval from your lender.

Get Pre-Approved Before You Start

Before you start searching for a place, you will have to get an approval which helps you find a place which you can afford. Remember to never waste your times checking out houses which are not within your budget. The budget is something which you have you consider at the very beginning; make sure that you constantly keep it in mind and stick to it. Look for a home that meets, if not all but at least a major part of your needs.

Buy a home in a good neighbourhood and if you have kids make sure to live in a neighbourhood which has a good school. It is very important to live in a neighbourhood in which your kids will be able to grow up without hassles.

Be Sure Before Writing An Offer

Make sure that you find out all the required information about an area before you consider moving into it. Last but not the least; make it a point to find out about different deals before you actually settle for something. This is a very important factor. You would obviously not know which deal is the best if you don’t compare it with other deals. Research is a very important factor when it comes to finding the perfect place. Compare different deals in the same as well as different neighbourhood and pick the one which meets most of your requirements and is within your budget. Follow these guide lines and make home buying easier!

This article was written by Linda Wise who specializes in helping buyers find Satellite Beach FL real estate as well as real estate Titusville FL. You can check out Linda’s website for more information on the home buying process.

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The Process Of Selling A Short Sale

by admin on February 6, 2012

The Process Of Selling A Short SaleA short sale can be done if the outstanding balance on the mortgage is more than the current value of the house. It can be a very stressful and emotional period for the owner and he or she should opt for the same as the last resort.

Though it may seem as the right decision at a certain point of time, you will have to know that it is very difficult to convince the lender of the same. The following lines will cover all the necessary steps involved in the same and how one can speed it up.

The Process Of Selling A Short Sale

The first process is to get a valuation of the property. For this, you will have to contact an agent and seek his or her help. This way, you will get to know if the same is eligible for a short sale. If there is any equity present which may not make this possible, the lender would never agree for it.

Once this is done, the second stage is very important as this involves letting the lender know of your decision. In this case, an application has to be sent to the bank, etc. along with the relevant paperwork. During this phase, you may take the help of an agent or a realtor. The bank will then make some checks before authorizing the same. The letter should be accompanied by certain documents such as the following:

  • The current value of the property
  • The outstanding loan amount
  • Your personal bank account and proof of income
  • Hardship letter
  • All the documents which will convince the lender that there is no other option
  • The broker price option

The next step would be to wait for a response from the bank. This will take time as the bank will have to forego a considerable amount of money in the bargain. It will try and find out any other means of getting out of the situation. However, if the lender is ready to go ahead, the next step is finding a buyer for your house.

Make sure the realtor who you choose has a big customer base. Many of the short sales are usually bought by potential investors and the agent should know about these people. They will then make an offer which has to be sent to the lender for approval. It is the lender who will have the final say in such sales and hence, send only those offers that are close to the value of the property at present.

The house should be maintained well. This is because of the ‘as is’ clause in the agreement and if it fails to create a good impression, the prospective buyers will shy away from the deal. It makes sense to let the buyer know of the reason for the foreclosure so as to speed up the process. The price of the house should also not be very high. It should be close to the total amount you owe the bank.

Since the lender is the decision maker, one needs to have a lot of patience in such sales. If there is any scope of getting a better price for the house, the lender will outright dismiss the offer. An agent who can act as a mediator and who has the relevant experience to talk to the bank personnel will really be a boon in such a situation. The decision to short sale the property is to avoid bankruptcy and a negative credit rating. Therefore, one has to plan everything in advance in order to get a fair deal.

About the Author: Paula Henry of Sycamore Group Associates provides Brownsburg real estate services and providing information about Brownsburg Indiana Homes for those people searching Brownsburg Indiana Neighborhoods to buy or sell their home.

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