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Posts tagged ‘Home’

A Bit About Mold

There are a number of little things to look out for when purchasing a new home. Normally the things to consider includes such things as location, wiring, the condition of the house itself, and several other factors. One of these factors that the home buying public is becoming more concerned with is mold. There are many different types of mold that can occur in a home and lead not only to structural damage, but some health concerns as well. Mold is difficult to find in many homes as it grows exclusively in dark and moist areas that are usually hidden somewhere in the structural areas of the home such as attics and basements. By the time mold shows up in the actual living areas, chances are that it is all through the home.

One of the most likely places for mold to form is anywhere that moisture is improperly vented. Another area of concern is if a home has ever flooded and was not completely or properly cleaned and dried after. Leaky plumbing and basement crawlspaces are other likely candidates. Mold can be a difficult thing to completely get rid of as the only thing it needs to continue growth is an organic material such as wood, and moisture. Both of these items are usually abundant in any home. The most likely was that moisture finds its way into the home is through faulty or leaky roofs and foundations. Both of these areas should be checked over by an experienced mold inspector on a fairly regular basis if there is any worry of mold beginning to grow, or if these has been mold in the past. Mold can be an expensive problem to deal with so be pro-active about looking for it, it can save you money in the long run.

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Buyer Tips, For The Home, Helpful Tips, Real Estate News, Seller Tips, SW Real Estate News

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Mortgage Points

If you have ever gone looking for quotes on a mortgage in order to find out just what a mortgage might cost you, you have probably had the term points thrown at you. So what are points?

Each point is a fee and it is based on one percent of the total amount of the loan. There are a couple of different points, there are discount points and then there are origination points and lenders do not all charge the same amount of these points. Some lenders will charge you one point while others may charge you three.

Discount points are the points that are like prepaid interest on your loan that you are getting for your new home. Every point that you purchase will lower your interest rate to some extent. Most borrowers will be able to choose just how many points they want to purchase. There is a limit of course, usually around four points. The number of points that you choose to buy will depend on how much you want to lower you interest rate. One especially good point of these points is the fact that they are tax-deductible.

Origination fees are different. These fees are used in order to pay for the costs of giving you the loan in the first place. You don’t get anything out of these points so most borrowers don’t like them as they are not even tax-deductible. If you can try to get a loan that does not require you to get these types of points. Discount points on the other hand can be useful to you.

The choices that you make concerning the points to get will be affected by a couple of different things. For example, how long are you going to be living in this house? And how much of a down payment are you going to be putting down? If you are thinking of settling into this house for the long haul then perhaps discount points are a good way for you to go. Lowering your interest rate for years to come is always a good thing. Before making your decision take stock of your situation and see what suits your needs best.

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Buyer Tips, Mortgages, Re - Financing, Real Estate News, Real Estate Tips, Seller Tips, SW Real Estate News

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When Your Home Is Not Selling

As the real estate market returns to a normal pattern of buying and selling, some sellers are easily frustrated. If your home is not selling, here are a few practical tips.

When Your Home Isn’t Selling

Selling a home is similar to a job interview or a first date. Presentation tends to go a long way in determining the outcome. That might sound a bit shallow, but it is simply a fact of life in many endeavors including real estate. To this end, sellers have developed bad habits when it comes selling their home out of the recent hot seller’s market. A few basic tips can get you back on track. 

Most real estate comes with a garage. If you have lived in the property for any amount of time, you have undoubtedly stored numerous things in your garage. I have! When the time comes to sell your property, however, you need to give your garage the once over. Items you consider priceless heirlooms might be considered junk by buyers. A messy garage is also a negative. Remember, buyers expect you to have the home in pristine condition. Anything that does not reflect that will hurt you in the eyes of these individuals.

Undoubtedly, your home has some amazing interior features. Instead of just assuming the potential buyer understands the value of them, you should highlight the features. The best method for doing this is lighting. Make sure you have sufficient lighting in the relevant area by opening drapes or going with more powerful light bulbs. If you have beautiful marble flooring and counters in your kitchen, make sure there is sufficient lighting to make them stand out. 

Your lawn is the first thing a potential buyer is going to see when they pull up to the property. Keep it trimmed and cut back any jungles. Give some thought to the walkway to the front door. Planting flowers and such can go along way. 

Make sure the entrance is a positive aspect of your home, not a negative. Make sure the front door is in perfect shape. The entry area should also be focused on. Add plants, rugs and what have you to make a good impression. Next, walk in through the front door and take in the view. Is there anything that gives you pause and can be improved? If so, do it!

The real estate market has cooled to the extent that homes are not selling in three days anymore. Return to the basic fundamentals of selling a home is the key to getting the offer you need.

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For The Home, Real Estate Tips, Seller Tips

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Theft Proofing Your Mailbox

Although most people only think about their home and property when dealing with home security, the mailbox is equally as important.  On a daily basis, there is a lot of personal information that goes through your mailbox.  Even though burglary is a concern, identity theft is just as big of a concern as well.  Most people don’t even think about theft proofing their mailboxes, which easily explains the increase in identity theft over the years.  Almost all mailboxes can be easily broken into, giving thieves instant access to personal information.

Even though there are many mailbox designs in the United States, most of them are outdated in terms of security.  They may perform their duties of receiving mail quite well, although they normally don’t offer the security needed to protect people from identity theft.  These days, identity theft is a common thing – simply because people don’t do a better job with protecting their mailbox.

Each and every day we all get personal information delivered to us by mail.  In some cases, we get credit card offers or bills that contain our personal information.  Although we don’t think anything about it, most of us head out to our mailbox, collect the mail, and then go back in our houses.  All it takes is a thief to beat you to the mailbox, just a couple of minutes.  Once the thief has collected a few pieces of your mail, he can easily use your personal information to charge credit cards and other bad things using your identity.

To protect yourself against identity theft you should always include your mailbox in your plans for home security.  The mailbox is very important, and should always be protected.  If you have a traditional mailbox now, you should get rid of it immediately.  As a replacement, you should look into a safe and secure mailbox.  The ideal types are those made of solid steel.  The top of the box should be accessible to the mailman, allowing him to put the mail in without a problem.  The bottom side of the mailbox however, should only be accessed via key.  Mailboxes that require a key to get into will protect you from identity theft – as the thief simply won’t have access to your mail.

You can find secure mailboxes at a local hardware or department store, even online.  There are very affordable these days and will go a long way in protecting you for identity theft.  Mailboxes that are constructed from solid steel are nearly impossible to break into, yet they will open easily for you to check your mail with the lock and key system.  The next time you go out to the mailbox to check your mail – you should think twice about your safety and theft proof your mailbox to protect yourself and your loved ones from identity theft.

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For The Home, Home Security

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What To Do When Your Home Isn’t Selling

When you sell your home, the process is almost like going to a job interview.  Selling a home involves presentation, which is one of the key factors that determine the outcome.  Although this may sound a bit weird, presentation is a way of life in the world of real estate.  Buyers in today’s market look for good presentation – many basing their final decisions on it.

If the property you are selling comes with a garage, you’ll need to go through your garage before you sell your home.  Chances are that you store things in your garage, which can easily pile up over time before you realize it.  If your garage is in a messy condition, you’ll obviously want to clean it up.  Buyers look for homes that are in perfect condition, and anything less than perfect will look bad in the eyes of the buyer.

Most homes have some truly outstanding features inside of them.  You should always do your best to highlight the best features of your home, instead of just hoping that the buyer understands what they are.  The ideal way to bring out the best features of your home is to use the proper lighting.  If your home is clean, you can use lighting to bring out the best features in your home, and ensure that they stand out to the buyer.

When a potential buyer first pulls up to your home; the first thing he will see is your lawn.  If your lawn is trimmed and well taken care of, he will get a good impression right off the bat. If your lawn is a wreck, he may immediately pull away.  To give the best impression to the buyer, you should put some thought into how things look.  You can always plant flowers around the walkway and throughout the yard, which will look great to a potential buyer.

You should also make sure that the entrance into your home is a positive as well.  The front door should be in great shape, as well as the entry area into the home.  You can add some plants, paintings, and rugs to ensure that your buyer gets a good impression.  When the buyer walks through the entry way into your home, you should make sure that the view he or she takes in is a good on.  Your biggest goal when showing your home is to ensure that the buyer is pleased.

Keep in mind that it may take some time to sell your home.  These days, homes can sit on the market for months at a time before they actually sell.  If you are having trouble selling your home, you can always reduce the price or simply go back to the basics.  Eventually you will sell your home – although it may take more time than you think.

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Seller Tips

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Home Equity Scams For You?

A home is the most expensive investment most people will ever own. For cash-strapped homeowners a home equity loan is a temptingly easy way to get cash. However, some home equity lenders are dishonest, and gullible consumers are at risk of losing their biggest asset. Borrowers should be wary of unscrupulous lenders and their scams to avoid losing their homes.

Financially unsophisticated homeowners, such as the elderly, members of minority groups and people with poor credit ratings, are often targeted by unscrupulous lenders using unethical lending practices.

One tactic used is called “equity stripping”. In this instance, cash-strapped prospective borrowers who the lender knows cannot met the monthly payments are encouraged to exaggerate their income on the application form to help get the loan approved. As soon as the borrower fails to meet the monthly payment, the lender forecloses, stripping the borrower of all the equity in the home. Low-income homeowners should beware of lenders who encourage them to accept loans which they cannot afford to repay.

Another tactic is the balloon payment. A borrower who is falling behind in mortgage payments is offered mortgage refinancing at a lower monthly payment. However, the payments are lower because they cover only the loan interest. At the end of the loan term, the principal that is, the entire amount of the loan is due in one lump sum called a balloon payment. If the borrowers cannot make the balloon payment or refinance, the home is foreclosed.

Loan flipping is another deceptive practice. The company holding a homeowner’s mortgage offers to refinance in order to give the homeowner extra cash, but charges high points and fees for doing so. The extra cash received may be less than the additional costs and fees charged for the refinancing; moreover, interest must be paid on the extra charges.

Home improvement scams are very common. A contractor offers to install a new roof or remodel a kitchen at a price that sounds reasonable, and offers financing through a lender he knows. Sometimes the contractor even attempts to get the homeowner to sign blank contract forms with the promise they will be filled in later when the contractor is “less busy”. Often, the rates offered are not competitive, and as soon as the contractor has been paid by the lender, he has no interest in completing the job to the homeowner’s satisfaction. The homeowner is left with unfinished or shoddy work and a large loan to pay off.

Credit Insurance Packing is the charging of extra fees at the closing of a mortgage. A homeowner and a lender come to an agreement on a mortgage, but at closing, the lender tacks on charges for credit insurance or other “benefits” that the borrower did not ask for and did not discuss. The lender hopes the borrower won’t notice this, and just sign the loan papers with the extra charges included. If the borrower questions the last-minute charges, the lender may state that the charges are standard policy for all loans, and if objections continue, the lender will claim that it will take several days to draw up a new contract, or that the bank manager may reconsider the loan altogether. Due to these last-minute pressure tactics, the loan may wind up costing considerably more than initially stated. Borrowers who agree to buy the insurance are paying extra for a product they may not want or need.

Mortgage Servicing Abuses occur after the mortgage has been closed. Borrowers get bills from mortgage companies for payments such as escrow for taxes and insurance even though the homeowner agreed beforehand with the lender to pay those items themselves. Bills arrive for late fees, even though payments were made on time. Or a message may arrive saying that the homeowner failed to maintain required property insurance and the lender is buying more costly insurance at the homeowner’s expense. Other unexplained charges such as legal fees are added to the amount owing, increasing the monthly payments or the amount owing at the end of the loan term. The lender does not provide an accurate or complete account of these charges. When homeowners get tired of these tactics and ask for a payoff statement in order to refinance with another lender, they receive inaccurate or incomplete statements. The lender makes it almost impossible to determine how much has been paid and how much is still owing on the loan.

Homeowners should avoid signing over the deed to their properties to lenders under any circumstances. If a borrower is in danger of foreclosure, a second “lender” may offer to help prevent the loss of the home, if only the homeowner will sign over the property as a “temporary” measure. The promised refinancing never arrives, and the lender now owns the property. Once the lender has the deed to your property, he can treat it as his own. He may borrow against it or even sell it to someone else. The borrower no longer owns the home, and will receive no money when it is sold. The lender can treat the borrower as a tenant and the mortgage payments as rent. If the “rent” payments are late, the borrower can be evicted.

To protect against unethical lending practices, homeowners should never agree to loans beyond the means of their monthly income; sign any documents before reading the fine print; or let any lender pressure them into signing immediately. Never allow the promise of extra cash or lower monthly payments get in the way of good financial judgment. If a loan sounds too good to be true, it probably is.

Always ask specifically if credit insurance is required as a condition of the loan. If the added security of credit insurance is desired, shop around for the best rates. Keep careful records of all payments, including billing statements and canceled checks. Challenge any inaccurate charges; many companies hope that borrowers will simply not be bothered.

Hire contractors only after checking their references, and get more than one estimate for any job. Borrowers who are financially inexperienced should consider consulting with an accountant or an attorney before signing a loan.

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Mortgages

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Skiing at the Big White Resort

The world-famous Big White resort in Canada is home to some of the nation’s greatest skiing.  Renowned for its high quality snow, and simply breathtaking scenery, Big White is an ideal resort for skiers of any age or ability.  In the shadow of the Monashee Mountains, the Big White is a world-class ski resort, with a reputation to back it up.  With over 20 feet of fresh snowfall every year, you’d be forgiven for thinking that the Big White was unpleasant climate wise – more often than not, the sun is shining, the ski is fresh, and everyone can have a great time.

And what’s more, staying at the Big White resort couldn’t be more comfortable.  With so many different types of accommodation, you can find a place that’s ideal, right on the doorstep of the fantastic slopes.  British Columbia is recognized as one of the world’s greatest skiing regions, and if Big White is anything to go by, that really isn’t a surprise.

With 16 ski lifts, and a total capacity of over 28,000 skiers every single hour, Big White has the feeling of a small resort whilst still catering for a diverse range of visitors.  This means you’re sure to meet new friends on your stay, but you can also find some privacy if that’s what you’d prefer.  The Big White has it all when it comes to keeping you happy, and that is why its visitors just keep coming back for more, year on year.

The Big White resort guarantees quality skiing for all visitors.  With its innovative ski lifts, and its simple dedication towards standards, you’ll feel like Royalty on their pristine slopes.  The fine, powdery snow is amazing for anyone to try out, and it can be a real novelty for those inexperienced skiers and experts alike.  But if there is one thing overall that you’ll take away from your visit, it is the simple attraction of the place.  A winter scene that could so easily be the product of fiction, the Big White resort is a stunning location for any vacation, and a resort that consistently earns its place within the top 100 resorts in the world.

And if you have a family, relax!  Big White is fully equipped to handle the needs of family skiing vacations, and the friendly staff make for a completely relaxed atmosphere.  At Big White, you’ll feel right at home in any of their comfortable gourmet restaurants, or indeed any of their high quality family themed diners.

Big White also offers expert tuition for those who are just beginning to ski, or indeed for the cubs!  Not only is this a great way to get the kids out of your hair for a few hours, but you can also help them maximise their enjoyment of the vacation, by improving their abilities on the slope.  Whatever you choose to do at Big White, and wherever you choose to stay, you can rest assured that you will love every single minute, and you’ll surely recommend it to your friends and family.  So why not consider the Big White for your next skiing vacation, and visit one of the world’s most acclaimed ski resorts?  With such top-notch facilities, and a growing reputation, the Big White can only go from strength to strength, and is something definitely not to be missed.

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Skiing Locations

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NEW!!! 4 Bedroom, 2 Bath, 2 Car Garage Home In Estero Florida

THIS SPACIOUS NEW HOME IN ESTERO FLORIDA WITH NEW CONSTRUCTION PRICES STARTING IN THE $200,000.00, THIS 4 BEDROOM 2 BATH 2 CAR GARAGE  GATED COMMUNITY HOME IN LEE COUNTY FLORIDA.

A resort-style atmosphere, with a 7,000 square foot community clubhouse. This club features a meeting room, club room with kitchen, state-of-the-art fitness center with a childs play area, game room, on-site management office, million dollar swimming pool with waterfall and spa. Click on our news link below to find out what our activities director has in store for this month!

Enjoy these outdoor amenities everyday…basketball courts, tennis courts, sand volleyball courts, pool volleyball, bocce ball courts, walking trails, ball fields, in-line skating rink, playground, and more.

WHILE THIS HOME LASTS!

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http://21548belvederelane2.IsNow4Sale.com

 

 

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Home Health Employment with a Nursing Assistant Certification

Many individuals who are certified as a Nursing Assistant become frustrated with the medical facility environment. The often have to work as scheduled including holidays, deal with internal issues among staff, want more pay for the work they are doing, and don’t feel appreciated.

Home health care offers a great alternative to Nursing Assistants who want more freedom as well as the opportunity to get to know those they are caring for on a more personal level. Home health care is exactly that, offering basic assistance to those who need it in the privacy and comfort of their own home. Nursing Assistants will be performing many of the same tasks including feeding, bathing, and dressing the patients.

Most Nursing Assistants interested in working for home health seek employment with a home health agency. These agencies contract with the patient or their family to offer them services to be able to remain in their home rather than an assisted living facility. However, Nursing Assistants need to be aware home health care agencies generally offer additional services that they will be required to perform including paying bills, running errands, picking up medications, and taking the patient to scheduled appointments. In addition, there may be cooking and light housekeeping involved.

Many Nursing Assistants love home health care because it allows them to develop a schedule that works for them and they get to know their patients. Home health care generally allows you to make your own schedule. It will be reviewed by your supervisor as well as checked with the patients. Every effort is made to accommodate all involved. It is very likely you can customize the schedule around holidays and other events, giving you those days off.

Getting to know your patients while doing home health care is a perk you don’t often get in a medical facility. You sometimes can if you work in a long-term care facility, but even then time is often limited and Nursing Assistants have to run to complete the workload they are given. Getting to know the patients in home health care can make the job more enjoyable.

Since home health care takes place in a person’s home with very little supervision, the background check is more intense than what is done to work in a medical facility. This is for the complete protection of the patients. You will have complete access to their home as well as be interacting with them one on one. Therefore any time of issue on your background check can keep you from being employed in home health care.

Be prepared for a references and past employers to be contacted. Home health care agencies will be looking for more than the length of employment and your skills. They will want to find out if you are organized, motivated, and able to work on your own without constant supervision. They will be investigating your promptness as well as how often you call off work, as well as the reasons why.

This is because home health care agencies don’t have the volume of staff to cover your patients if you show up late or don’t show up at all. This can result in patients needs going unmet and them becoming upset. That could result in patients choosing to end their contract with that home health care agency.

Nursing Assistants are more likely to earn more at a home health agency than in a medical facility. On average $2.25 more per hour. They are also more likely to be treated respectfully by their employer and co-workers. They want employees to be happy as this will help keep them as quality employees. Patients do not like for their assistant to continually change. They don’t like having that many new people in and out of their home. The home health care agency has to properly balance keeping the employees and the patients happy.

Before accepting any employment with a home health care agency, take the time to research them with the Better Business Bureau and state Medical Board. You do not want to involve yourself with any agency that does not participate in proper procedures for care of their patients. It is important to report any such issues immediately.

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Keeping Cats Out Of Your Garden

Your first line of defense when keeping cats out of your garden is to make sure that you have your boundaries secure.  If there are any gaps in your fence, you should make sure that you block them to prevent any low access.  Cats are very agile animals, and can jump very high.  Normally they can jump a fence, which is why you should also invest in string or taut wire across the top.

If a cat has made his way into your garden, it may be hard to get him out.  Most people choose to use dogs, simply because dogs are known to dislike cats. There are several dog breeds out there that completely dislike cats, such as pit bulls and Dobermans.  Cats are completely fearful of these breeds, and will flee if they see them around.

All cats are known to despise water as well.  If you spot a cat in your garden, water almost always gets him out.  All it takes is a bucket of water or a well-aimed squirt with a garden hose to make him run away.  After you have hit the cat with water several times, he should get the hint not to come back anymore.  If he comes back, simply squirt him or throw more water on him until he gets the idea.

Protecting your plants is a different story.  Mothballs are said to be very effective, as cats don’t like the smell.  You can use mothballs around your plants, garden borders, or even along the fence.  There are other repellents that you can use as well, such as cayenne peppers, tobacco, lavender oil, citronella oil, mustard oil, and even lemon grass oil.

If you visit your local hardware or lawn store, you can find motion activated sprinklers.  They work great in keeping cats out of your garden.  Once you install the sprinkler system and a cat comes into the area, the detector will pick up the cat’s presence and immediately shoot out a jet of water that will douse the cat.  In most cases, all it takes is a few times of exposure to the sprinkler before a cat learns to stay out of that area.

Sound devices that feature high frequencies are also a great way to scare off cats, although they aren’t annoying to humans.  You can find several different models, such as those that stay on all the time, and those that are motion detected.  To use this type of device, you’ll need to make sure that the model you have is strong enough to cover the entire area.  If you model you are using is strong enough to cover your entire garden, it should suffice in scaring off any unwanted animals.

You can also use commercial repellents as well.  Commercial repellents use scents to keep cats away, and shouldn’t be used near any food crops.  Due to their high chemical content, commercial repellents can pollute your crops.  You can find them at your local department store, with several varieties to choose from, many of which will fend off other animals from your garden as well.

If you have a garden, it can be very annoying if cats and other animals decide to make your garden their home.  If you stick to your guns and do your part, you can prevent them from bothering your garden or your crops.  Once you have secured your boundaries around the garden, you should try using water first.  If water doesn’t seem to work, you can look into another method, such as commercial repellents.

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For The Home

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