Today was our monthly office sales meeting and we have three informative guests. I wanted to pass along some of the great information that was shared with our office agents.
Donna Perkins - Kansas City Credit Services was our first guest. She spoke with us a few weeks ago. She is a financial consumer advicate. Her job is to pick about your credit report looking for inaccuracies to help you lower your bills. They have a proven success of 75% to 85% removal of misleading, outdated and unverifiable information from most credit reports. They have been in business since 1991 and her team has 35 years experience. They offer a free credit consultation and if they can't help you, they'll find someone who can. To contact Donna - dperkins@kccreditservices.com
Ed Sullivan - Ed Sullivan Inspections was our second guest. Ed talked about the Utility Flue that service your hot water heater and furnace and how it is necessary that this flue has a metal liner to protect you and your home. This liner is necessary because many older homes have older appliances which had 9-12 in flues. Newer appliances have 5 in flues. There are a few different options. One of the less expensive options is to get a diverter for your water heater. You could also get a flexible liner for your flue. Make sure when you get your home inspectied the inspector checks the roof and flue liner. He also mentioned that you need to be careful with gas burning fireplaces that are VENT-FREE. These need to be in large, open rooms.
Seve Sterthman - Aflac was our last speaker. He talked about all the different policies that Aflac offers that give cash back to policy holders for medical bills. Once you pick your policy, your rate never goes unless you switch to a new policy. Their Accident policy covers anything "that comes at you from the outside" - including car accidents, falling from a ladder and even poison ivy. You can have more than one plan/policy and they do not cancel out the other.
Thursday, September 30, 2010
Tuesday, September 28, 2010
Monday, September 27, 2010
Steps Toward Success in Business
11 Steps Toward Success in Business
By Stephanie Andre
RISMEDIA, September 23, 2010--Whether you've been in the business world for five months, five years or five decades, there are always some rules that you should live by. Doing so will bring you closer to business--and personal--success.
A good work ethic and great attitude will always get you far. Here are some additional tips to help you get ahead as a business professional:
1. Don't let others decide "your" attitude.
2. Always be early to work and always be willing to stay late. Moving up is often measured in sweat equity.
3. The best ethics are those that can stand being illuminated in the morning newspaper.
4. A positive attitude will take you further than your technical knowledge.
5. Decision making should always involve identifying the risks and assigning probabilities to possible outcomes.
6. Make an effort to improve your written and oral communication skills. Whatever the sacrifice - make it! -- Very few professionals move up without being good communicators.
7. Learn everything you can about the computer and the Internet. It's not going away any time soon! The 21st century will be defined by "technocrats." Join them or fall behind.
8. Join professional business organizations. Career maintenance and the networking related to it will pay off.
9. Be a volunteer for community service, starting now. Recruiters believe if you give that extra two cents while you are a student, then you will likely give that extra two cents to the company.
10. Continually update your address, telephone, and e-mail information. Networking is an important key to success.
11. Be attentive to details. It is not long in life before you will discover it is the little things that make the big difference.
By Stephanie Andre
RISMEDIA, September 23, 2010--Whether you've been in the business world for five months, five years or five decades, there are always some rules that you should live by. Doing so will bring you closer to business--and personal--success.
A good work ethic and great attitude will always get you far. Here are some additional tips to help you get ahead as a business professional:
1. Don't let others decide "your" attitude.
2. Always be early to work and always be willing to stay late. Moving up is often measured in sweat equity.
3. The best ethics are those that can stand being illuminated in the morning newspaper.
4. A positive attitude will take you further than your technical knowledge.
5. Decision making should always involve identifying the risks and assigning probabilities to possible outcomes.
6. Make an effort to improve your written and oral communication skills. Whatever the sacrifice - make it! -- Very few professionals move up without being good communicators.
7. Learn everything you can about the computer and the Internet. It's not going away any time soon! The 21st century will be defined by "technocrats." Join them or fall behind.
8. Join professional business organizations. Career maintenance and the networking related to it will pay off.
9. Be a volunteer for community service, starting now. Recruiters believe if you give that extra two cents while you are a student, then you will likely give that extra two cents to the company.
10. Continually update your address, telephone, and e-mail information. Networking is an important key to success.
11. Be attentive to details. It is not long in life before you will discover it is the little things that make the big difference.
Tips to Getting Your Loan Modification Application
For Your Clients: 8 Tips to Getting Your Loan Modification Application Reviewed
RISMEDIA, September 25, 2010--Many homeowners seeking a loan modification to lower their monthly mortgage payments and avoid foreclosure continue to find the application process a complex web, often causing them to give up before their application is ever reviewed by their mortgage company.
Certified housing counselors for CredAbility, a national nonprofit credit counseling and education agency, speak daily with hundreds of homeowners seeking a loan modification or other solutions to keep their homes. The organization has several tips for people that will help them increase the chances that their application is reviewed as quickly as possible.
"A homeowner needs to collect and send several documents that tell the mortgage company why you need a modification, and it needs to be done in a timely, organized manner," said Michelle Jones, senior vice president of counseling for CredAbility. "Once a homeowner has submitted these documents, they need to stay in regular contact with the company. With hundreds of thousands of applications under consideration, homeowners must take matters into their own hands to make sure their application gets to the right person at the company."
Here are CredAbility's recommendations for homeowners seeking a loan modification:
Speak With a Nonprofit Housing Counselor to Understand Investor Rules for Your Loan. Every homeowner's mortgage loan is different, so don't rely on information you may have heard from your neighbor or your sister-in-law, even if they received a loan modification. For example, if your 30-year, fixed interest rate loan is owned by one investor, and your neighbor's is owned by another investor, the rules governing a loan modification may be quite different. A certified counselor at a nonprofit credit counseling agency can help you find the investor who owns your mortgage and determine your options.
Submit All Documents That Prove Your Current Income. Income verification is critical, but homeowners sometimes don't provide their mortgage company with recent documents. If you lost a job in June, don't provide pay stubs from March. In addition to recent pay stubs and other traditional income sources, homeowners should also provide a document called a "contribution letter." This letter explains the source of any household income that is not easily verified. For example, a servicer will want to know the total household income of a married couple, even if only one person's name is on the loan. The letter could also include income verifying that you have a roommate that pays rent.
Submit Current Bank Statements. Recent bank statements allow your mortgage company to verify your income and expenses. This information enables the mortgage company to see your monthly expenses for food, utilities and other expenses and determine whether you will have enough money to make your mortgage payment.
Mail Your Documents to the Mortgage Company. Many people prefer to send all of their documents by fax or scan their documents and send them via email. However, postal mail is usually more reliable, especially if it's addressed to the person you spoke with at the mortgage company. Faxes often get lost.
Label Each Page With Your Name and Loan Number. One of the most common complaints among homeowners is that the mortgage company loses their documents. You can help your own cause by writing your name and loan number on each page of every document.
Fully Explain Any Recent or Unique Income Changes. For example, a bank deposit may show various one-time transactions, such as an asset sale, cash gifts from family members or a bonus. Unless you explain this one-time increase in income, the servicer may not understand it and use this information to deny your loan modification.
Include a Timeline in Your Hardship Letter. Every application for a loan modification must include a "hardship letter" that explains the reasons for your request. But the letter must have specific dates explaining when an income loss has occurred. If your spouse lost her job on July 15 and your family income will decrease by $3,000 beginning in August, your letter needs to provide these details.
Call Your Mortgage Company Every Week. Many homeowners work extremely hard to submit all of their paperwork to the servicer - and then wait for weeks before picking up the telephone to call them about the status of their application. This is a mistake for several reasons: the person handling your application may quit; the application may be transferred to another person; the company may need more information. You get the picture.
RISMEDIA, September 25, 2010--Many homeowners seeking a loan modification to lower their monthly mortgage payments and avoid foreclosure continue to find the application process a complex web, often causing them to give up before their application is ever reviewed by their mortgage company.
Certified housing counselors for CredAbility, a national nonprofit credit counseling and education agency, speak daily with hundreds of homeowners seeking a loan modification or other solutions to keep their homes. The organization has several tips for people that will help them increase the chances that their application is reviewed as quickly as possible.
"A homeowner needs to collect and send several documents that tell the mortgage company why you need a modification, and it needs to be done in a timely, organized manner," said Michelle Jones, senior vice president of counseling for CredAbility. "Once a homeowner has submitted these documents, they need to stay in regular contact with the company. With hundreds of thousands of applications under consideration, homeowners must take matters into their own hands to make sure their application gets to the right person at the company."
Here are CredAbility's recommendations for homeowners seeking a loan modification:
Speak With a Nonprofit Housing Counselor to Understand Investor Rules for Your Loan. Every homeowner's mortgage loan is different, so don't rely on information you may have heard from your neighbor or your sister-in-law, even if they received a loan modification. For example, if your 30-year, fixed interest rate loan is owned by one investor, and your neighbor's is owned by another investor, the rules governing a loan modification may be quite different. A certified counselor at a nonprofit credit counseling agency can help you find the investor who owns your mortgage and determine your options.
Submit All Documents That Prove Your Current Income. Income verification is critical, but homeowners sometimes don't provide their mortgage company with recent documents. If you lost a job in June, don't provide pay stubs from March. In addition to recent pay stubs and other traditional income sources, homeowners should also provide a document called a "contribution letter." This letter explains the source of any household income that is not easily verified. For example, a servicer will want to know the total household income of a married couple, even if only one person's name is on the loan. The letter could also include income verifying that you have a roommate that pays rent.
Submit Current Bank Statements. Recent bank statements allow your mortgage company to verify your income and expenses. This information enables the mortgage company to see your monthly expenses for food, utilities and other expenses and determine whether you will have enough money to make your mortgage payment.
Mail Your Documents to the Mortgage Company. Many people prefer to send all of their documents by fax or scan their documents and send them via email. However, postal mail is usually more reliable, especially if it's addressed to the person you spoke with at the mortgage company. Faxes often get lost.
Label Each Page With Your Name and Loan Number. One of the most common complaints among homeowners is that the mortgage company loses their documents. You can help your own cause by writing your name and loan number on each page of every document.
Fully Explain Any Recent or Unique Income Changes. For example, a bank deposit may show various one-time transactions, such as an asset sale, cash gifts from family members or a bonus. Unless you explain this one-time increase in income, the servicer may not understand it and use this information to deny your loan modification.
Include a Timeline in Your Hardship Letter. Every application for a loan modification must include a "hardship letter" that explains the reasons for your request. But the letter must have specific dates explaining when an income loss has occurred. If your spouse lost her job on July 15 and your family income will decrease by $3,000 beginning in August, your letter needs to provide these details.
Call Your Mortgage Company Every Week. Many homeowners work extremely hard to submit all of their paperwork to the servicer - and then wait for weeks before picking up the telephone to call them about the status of their application. This is a mistake for several reasons: the person handling your application may quit; the application may be transferred to another person; the company may need more information. You get the picture.
Thursday, September 23, 2010
13 Unique Ways to Sell a Home
For Your Clients: 13 Unique Ways to Sell a Home
By Paige Tepping
RISMEDIA, September 16, 2010--In today’s market, it takes more than painting and trimming the bushes to get noticed, to stand out, to make your home memorable. While home sellers across the country are resorting to dropping the price in order to make their home more attractive, it leads to one crucial question: what can I do differently to make my home stand out?
Larry Nusbaum, Resolution Assistance Contractor for the FDIC, offers the following tips for home sellers looking to differentiate their homes from the numerous homes that are on the market today.
1. Get lighted signage that’s illuminated even after dark. This will give prospective buyers extra time to see your home as they don’t have to depend on sunlight.
2. If you or your agent are hosting an open house, be sure to serve light snacks and hand out something that attendees will remember. You want something that will be a positive reminder of your home—seasonal gifts are the perfect way to stay top of mind. Be sure to at least have pens and key chains with your agent's name and contact information on them.
3. Create an informational flyer with all the local conveniences you can find: shopping, schools, universities, hospitals, malls, restaurants, gas stations and attractions in the area, in addition to local police and fire stations, even school bus pick up locations. Assume your open house attendees don’t know the neighborhood.
4. Hand out information pertaining to your home as well as information on the other listed properties in the area showing that your house is the best value.
5. Do some staging to make sure your home looks its best.
6. Be sure to offer incentives. Some examples include a Lowe's gift card, paying for a year’s worth of yard care or a free session with a landscape architect, offering a $1,000 landscape allowance, paying for a years worth of homeowners fees, offering $1,000 for new appliances or any home improvement, offering a new carpet allowance or paying for lawn service for a year—the possibilities are endless.
7. Paint the garage floor (concrete paint). Making the garage look fresh and clean will make the whole house feel newer.
8. Send letters to all the neighbors inviting them to “pick their neighbor,” and be sure to include information about your home and the open house. Give them an incentive to talk about your home with other individuals in their sphere of influence. (i.e. a $200 gift card if they find your buyer).
9. Put up signs in your front yard and be sure to hang up as many directional signs as the neighborhood allows.
10. Put out flyers in surrounding shopping areas.
11. Have your agent create a video of your home and put the virtual tour on the Web.
12. Have your agent post ads on Craigslist and on any other free online listing sites you can find.
13. E-mail HR departments at local companies as many employees prefer to live close to their jobs but don’t make time for the house hunting process. This will make it easy for employees to find your home.
By Paige Tepping
RISMEDIA, September 16, 2010--In today’s market, it takes more than painting and trimming the bushes to get noticed, to stand out, to make your home memorable. While home sellers across the country are resorting to dropping the price in order to make their home more attractive, it leads to one crucial question: what can I do differently to make my home stand out?
Larry Nusbaum, Resolution Assistance Contractor for the FDIC, offers the following tips for home sellers looking to differentiate their homes from the numerous homes that are on the market today.
1. Get lighted signage that’s illuminated even after dark. This will give prospective buyers extra time to see your home as they don’t have to depend on sunlight.
2. If you or your agent are hosting an open house, be sure to serve light snacks and hand out something that attendees will remember. You want something that will be a positive reminder of your home—seasonal gifts are the perfect way to stay top of mind. Be sure to at least have pens and key chains with your agent's name and contact information on them.
3. Create an informational flyer with all the local conveniences you can find: shopping, schools, universities, hospitals, malls, restaurants, gas stations and attractions in the area, in addition to local police and fire stations, even school bus pick up locations. Assume your open house attendees don’t know the neighborhood.
4. Hand out information pertaining to your home as well as information on the other listed properties in the area showing that your house is the best value.
5. Do some staging to make sure your home looks its best.
6. Be sure to offer incentives. Some examples include a Lowe's gift card, paying for a year’s worth of yard care or a free session with a landscape architect, offering a $1,000 landscape allowance, paying for a years worth of homeowners fees, offering $1,000 for new appliances or any home improvement, offering a new carpet allowance or paying for lawn service for a year—the possibilities are endless.
7. Paint the garage floor (concrete paint). Making the garage look fresh and clean will make the whole house feel newer.
8. Send letters to all the neighbors inviting them to “pick their neighbor,” and be sure to include information about your home and the open house. Give them an incentive to talk about your home with other individuals in their sphere of influence. (i.e. a $200 gift card if they find your buyer).
9. Put up signs in your front yard and be sure to hang up as many directional signs as the neighborhood allows.
10. Put out flyers in surrounding shopping areas.
11. Have your agent create a video of your home and put the virtual tour on the Web.
12. Have your agent post ads on Craigslist and on any other free online listing sites you can find.
13. E-mail HR departments at local companies as many employees prefer to live close to their jobs but don’t make time for the house hunting process. This will make it easy for employees to find your home.
Trends In Kitchen Design
For Your Clients: Trends in Kitchen Design
By Jean Patteson
KITCHEN-DESIGN TRENDS
Counter tops: Stainless steel, antiqued marble, lava stone, wood, concrete, mosaics and flamed granite with a textured, matte finish.
Cabinetry: Fewer overhead cabinets. Lift-up or sliding doors, self-closing drawers, glass-fronted cabinets and glass shelving, tracks inside doors for attaching storage accessories, pantires with multiple storage options. Fresh finishes, from smooth, high-gloss and matte lacquer, to textured, horizontal-grain laminates.
Appliances: Free-standing accent pieces and fully-integrated designs that blend with cabinets. Fridges with more crisper space, less freezer space; combination gas/electric ranges; designer range hoods; super-quiet dishwashers; specialty sink faucets; luxury items such as warmer drawers for coffee mugs.
Lighting: Combinations of soft incandescent, bright halogen and cool, energy-efficient LED bulbs.
Colors: Warm neutrals such as walnut, slate, sand, greige, celadon and magnolia.
Architectural elements: Wall niches and bump-outs for housing coffee machines, juicers, dinnerware, herbs, spices and collectibles.
By Jean Patteson
KITCHEN-DESIGN TRENDS
Counter tops: Stainless steel, antiqued marble, lava stone, wood, concrete, mosaics and flamed granite with a textured, matte finish.
Cabinetry: Fewer overhead cabinets. Lift-up or sliding doors, self-closing drawers, glass-fronted cabinets and glass shelving, tracks inside doors for attaching storage accessories, pantires with multiple storage options. Fresh finishes, from smooth, high-gloss and matte lacquer, to textured, horizontal-grain laminates.
Appliances: Free-standing accent pieces and fully-integrated designs that blend with cabinets. Fridges with more crisper space, less freezer space; combination gas/electric ranges; designer range hoods; super-quiet dishwashers; specialty sink faucets; luxury items such as warmer drawers for coffee mugs.
Lighting: Combinations of soft incandescent, bright halogen and cool, energy-efficient LED bulbs.
Colors: Warm neutrals such as walnut, slate, sand, greige, celadon and magnolia.
Architectural elements: Wall niches and bump-outs for housing coffee machines, juicers, dinnerware, herbs, spices and collectibles.
Tuesday, September 21, 2010
Tips for Fall Tree Maintenance
7 Tips for Fall Tree Maintenance
RISMEDIA, September 21, 2010--Trees are often overlooked during the summer when it comes to watering. Yet, when trees go dormant for autumn and winter – meaning active root growth comes to a standstill – and deciduous trees lose their leaves, they make up for deficits and absorb as much water and nutrients as they can hold. Enter fall's first rains, windstorms and freezes, and homeowners are guaranteed a dose of trouble.
Homeowners are advised to follow seven guidelines this fall to avoid tree problems year round.
#1 Hydrate
Trees with deep root systems typically do not need extra water, while trees with shallow roots do. Your tree is thirsty if it is brown in places, or if some of its branches are dead or brittle. If needed, place mulch at the base of the tree to help the soil retain water.
#2 Plant for all seasons, and for your region
It is best to plant trees that thrive in your home city's weather. Young trees planted in locations subject to harsh weather should be staked until their root balls have grown strong enough to support them. Protect against nibbling animals by placing a small fence around the base. And be sure to check with local jurisdictions on permits needed or other restrictions.
#3 Remove troublemakers
If a tree is located next to a foundation, path or fence, or along an irrigation, sewer or utility line, fall is a good time to move it, or even remove it.
To remove a tree quickly, and effortlessly, a chainsaw can be used to cut the tree down piece by piece (consult an arborist for larger projects or when tree falling has the potential to harm property or people). For safety and efficiency, keep the chainsaw chain sharp. Given that manually sharpening a saw chain can take more than an hour, consider using PowerSharp, a seconds-fast and portable chainsaw sharpening system. PowerSharp is comprised of a unique chain, a bar-mount sharpener, and a guide bar. Used together on the saw, and on the job, these components keep a chainsaw sharp the easy way. To see how it works, visit powersharp.com.
# 4 Prune
Fall is the time to prune most trees. With an expert's help or on your own, prune to open up the tree's crown and remove excess limbs and dead or weakened wood. Use your chainsaw to complete the job quicker.
# 5 Remove fallen leaves
Remove fallen leaves to be certain that the base of your tree can "breathe," and to remove a haven for tree-damaging insects. This also assures that any plants below the tree get adequate water and light.
# 6 Spray
If an insect is attacking a tree, fall is the best time to apply dormant spray on fruiting trees.
# 7 Fertilize
Most trees don't require fertilizer although fruiting and flowering trees may benefit from it. Late fall is a good time to fertilize because winter rains will prevent chemical burn. Fertilize after the first frost to prevent new, tender growth from damage.
Requiring very little maintenance in the fall, trees provide strong focal points to landscapes. Deciduous trees present various colors and appearances throughout the year, and evergreens breathe life and color year-round. Take care of your trees and you will enjoy them for years to come.
RISMEDIA, September 21, 2010--Trees are often overlooked during the summer when it comes to watering. Yet, when trees go dormant for autumn and winter – meaning active root growth comes to a standstill – and deciduous trees lose their leaves, they make up for deficits and absorb as much water and nutrients as they can hold. Enter fall's first rains, windstorms and freezes, and homeowners are guaranteed a dose of trouble.
Homeowners are advised to follow seven guidelines this fall to avoid tree problems year round.
#1 Hydrate
Trees with deep root systems typically do not need extra water, while trees with shallow roots do. Your tree is thirsty if it is brown in places, or if some of its branches are dead or brittle. If needed, place mulch at the base of the tree to help the soil retain water.
#2 Plant for all seasons, and for your region
It is best to plant trees that thrive in your home city's weather. Young trees planted in locations subject to harsh weather should be staked until their root balls have grown strong enough to support them. Protect against nibbling animals by placing a small fence around the base. And be sure to check with local jurisdictions on permits needed or other restrictions.
#3 Remove troublemakers
If a tree is located next to a foundation, path or fence, or along an irrigation, sewer or utility line, fall is a good time to move it, or even remove it.
To remove a tree quickly, and effortlessly, a chainsaw can be used to cut the tree down piece by piece (consult an arborist for larger projects or when tree falling has the potential to harm property or people). For safety and efficiency, keep the chainsaw chain sharp. Given that manually sharpening a saw chain can take more than an hour, consider using PowerSharp, a seconds-fast and portable chainsaw sharpening system. PowerSharp is comprised of a unique chain, a bar-mount sharpener, and a guide bar. Used together on the saw, and on the job, these components keep a chainsaw sharp the easy way. To see how it works, visit powersharp.com.
# 4 Prune
Fall is the time to prune most trees. With an expert's help or on your own, prune to open up the tree's crown and remove excess limbs and dead or weakened wood. Use your chainsaw to complete the job quicker.
# 5 Remove fallen leaves
Remove fallen leaves to be certain that the base of your tree can "breathe," and to remove a haven for tree-damaging insects. This also assures that any plants below the tree get adequate water and light.
# 6 Spray
If an insect is attacking a tree, fall is the best time to apply dormant spray on fruiting trees.
# 7 Fertilize
Most trees don't require fertilizer although fruiting and flowering trees may benefit from it. Late fall is a good time to fertilize because winter rains will prevent chemical burn. Fertilize after the first frost to prevent new, tender growth from damage.
Requiring very little maintenance in the fall, trees provide strong focal points to landscapes. Deciduous trees present various colors and appearances throughout the year, and evergreens breathe life and color year-round. Take care of your trees and you will enjoy them for years to come.
Re/Max State Line Office Listings
12727 W 101st St
Lenexa, KS
Marketed By: Scottie Broderick & Heather Broderick
www.ScottieBroderick.com
5632 Ditzler Ave
Raytown, MO
Marketed By: Melanie McGraw & Janice Mackay
www.KCHomes4U.com
5132 Horton St.
Mission, KS
Marketed By: Melanie McGraw & Janice Mackay
www.KCHomes4U.com
1308 Skyline Dr.
Blue Springs, MO
Marketed By: Sam Lind
www.SamLind.com
915 Birchwood Dr.
Raymore, MO
Marketed By: Sheila Vardakis
www.SheilaSellsKC.com
Wednesday, September 15, 2010
How to Choose a Home
For Your Clients: How to Choose a Home - Tips to Make Sure You Don't Settle
By Paige Tepping
RISMEDIA, September 11, 2010--Finding the home that is right for you can be a time-consuming process. The experts at Move.com offer the following tips to help make sure you don’t just settle for a home, but instead find the home that is perfect for you.
Once you've settled on a couple of neighborhoods where you would like to live, it's time to pick out a few homes to view. Your wish list can remind you which features are absolute requirements and which amenities you'd like to have if possible. When narrowing down your home search, consider:
-Types of homes
-Home purchase considerations
-Home comparison chart
-What to do when you’ve found the right home for you
Types of homes
In addition to single family homes (one home per lot), there are other forms of home ownership to consider as you begin looking for the next place you will call home:
-Multifamily homes: Some buyers, particularly first-timers, start with multiple family dwellings, so they'll have rental income to help with their costs. Many mortgage plans, including VA and FHA loans, can be used for buildings with up to four units, if the buyer intends to occupy one of them.
-Condominiums: With a condo, you own "from the plaster in" just as you would a single house. You also own a certain percentage of the "common elements"—staircases, sidewalks, roofs and the like. Monthly charges pay your share of taxes and insurance on those elements, as well as repairs and maintenance. A homeowners association administers the development.
-Co-ops: In a few cities, cooperative apartments are common. With those, you purchase shares in a corporation that owns the whole building, and you receive a lease to your own apartment. A board of directors supervises management. Monthly charges include your share of an overall mortgage on the building.
Home purchase considerations
Most buyers' first consideration, after neighborhoods are chosen, is the number of bedrooms. As you begin to view homes, keep the following purchase and resale considerations in mind:
-Weigh your needs, budget and personal tastes in deciding whether you want a home that’s a newly constructed, an older home or a home that requires some work—a ‘fixer-upper.’
-One-bedroom condos are more difficult to resell than two-bedroom condos.
-Two-bedroom/one-bath single houses generally have less appeal than houses with three or more bedrooms, and therefore less appreciation potential.
-Homes with ‘curb appeal,’ (a well-maintained, attractive and charming view-from-the-street appearance) are the easiest to resell.
-When resale is a possibility, don't buy the most expensive house on the street, or anything that is unusual or unique. The best investment potential is traditionally found in a less expensive, more moderately sized home on the street.
Home comparison chart
While house-hunting, it's a good idea to make notes about what you see because viewing several houses at a time can be confusing. Create a comparison chart before you begin looking at homes so you can keep track of your search, organize your thoughts and record your impressions.
When you’ve found the right home
Before you begin the home buying process, resolve to act promptly when you find the right house. Every Realtor has stories to tell about a couple who looked far and wide for their dream home, finally found it, and then revealed that "we always promised my Dad we'd sleep on it, so we'll make an offer tomorrow." Many times the story has a sad ending—someone else came in that evening with an offer that was accepted.
Resolve at this point that you will act decisively when you find the house that’s clearly right for you. This is particularly important after a long search or if the house is newly listed and/or under-priced.
By Paige Tepping
RISMEDIA, September 11, 2010--Finding the home that is right for you can be a time-consuming process. The experts at Move.com offer the following tips to help make sure you don’t just settle for a home, but instead find the home that is perfect for you.
Once you've settled on a couple of neighborhoods where you would like to live, it's time to pick out a few homes to view. Your wish list can remind you which features are absolute requirements and which amenities you'd like to have if possible. When narrowing down your home search, consider:
-Types of homes
-Home purchase considerations
-Home comparison chart
-What to do when you’ve found the right home for you
Types of homes
In addition to single family homes (one home per lot), there are other forms of home ownership to consider as you begin looking for the next place you will call home:
-Multifamily homes: Some buyers, particularly first-timers, start with multiple family dwellings, so they'll have rental income to help with their costs. Many mortgage plans, including VA and FHA loans, can be used for buildings with up to four units, if the buyer intends to occupy one of them.
-Condominiums: With a condo, you own "from the plaster in" just as you would a single house. You also own a certain percentage of the "common elements"—staircases, sidewalks, roofs and the like. Monthly charges pay your share of taxes and insurance on those elements, as well as repairs and maintenance. A homeowners association administers the development.
-Co-ops: In a few cities, cooperative apartments are common. With those, you purchase shares in a corporation that owns the whole building, and you receive a lease to your own apartment. A board of directors supervises management. Monthly charges include your share of an overall mortgage on the building.
Home purchase considerations
Most buyers' first consideration, after neighborhoods are chosen, is the number of bedrooms. As you begin to view homes, keep the following purchase and resale considerations in mind:
-Weigh your needs, budget and personal tastes in deciding whether you want a home that’s a newly constructed, an older home or a home that requires some work—a ‘fixer-upper.’
-One-bedroom condos are more difficult to resell than two-bedroom condos.
-Two-bedroom/one-bath single houses generally have less appeal than houses with three or more bedrooms, and therefore less appreciation potential.
-Homes with ‘curb appeal,’ (a well-maintained, attractive and charming view-from-the-street appearance) are the easiest to resell.
-When resale is a possibility, don't buy the most expensive house on the street, or anything that is unusual or unique. The best investment potential is traditionally found in a less expensive, more moderately sized home on the street.
Home comparison chart
While house-hunting, it's a good idea to make notes about what you see because viewing several houses at a time can be confusing. Create a comparison chart before you begin looking at homes so you can keep track of your search, organize your thoughts and record your impressions.
When you’ve found the right home
Before you begin the home buying process, resolve to act promptly when you find the right house. Every Realtor has stories to tell about a couple who looked far and wide for their dream home, finally found it, and then revealed that "we always promised my Dad we'd sleep on it, so we'll make an offer tomorrow." Many times the story has a sad ending—someone else came in that evening with an offer that was accepted.
Resolve at this point that you will act decisively when you find the house that’s clearly right for you. This is particularly important after a long search or if the house is newly listed and/or under-priced.
New Re/Max State Line Office Listings
7421 Cherokee Dr.
Prairie Village, KS
Marketed By: Wesley Piercy
www.WesleyPiercy.com
6718 W 75th St
Overland Park, KS
Marketed By: Nathan Fournier
www.nathanfournier.remax-midstates.com
2218 N Salem Dr.
Independence, MO
Marketed By: Edna Smith
www.smithedn.remax-midstates.com
308 S Meadowbrook Lane
Olathe, KS
Marketed By: Joe Schloegel
www.schloege.remax-midstates.com
109 W 80th Tr.
Kansas City, MO
Marketed By: Carrie Cowan
www.INeedThatHouse.com
Friday, September 10, 2010
Tips for Fall Lawn, Tree & Shrub Care
For Your Clients: 5 Tips for Fall Lawn, Tree and Shrub Care to Prep for Spring
By Stephanie Andre
RISMEDIA, September 10, 2010--Now that fall is fast approaching, it's time to start thinking about preparing your lawn for the winter months and even the spring.
According to TruGreen, it's important that homeowners understand how to care for their lawns, trees and shrubs in fall before the end of the growing season. The experts at TruGreen offer five fall green space tips to homeowners to better prepare their outdoor living rooms for spring's vigorous growth.
ASSESS
Thoroughly walk your property and inspect lawn, trees and shrubs as these plants prepare for dormancy in late fall and early winter. Identify problem areas in need of treatment, pruning or replacement. Note patchy areas, where grass has thinned out or is in need of valuable nutrients and appears as light green. Also look for weed and pest infestations and overgrown shrubs and trees, especially those with the potential for interfering with roof and power lines. Consider a qualified expert, such as TruGreen, to properly gauge your lawn and landscape needs.
AERATE & PRUNE
Help your lawn breathe through fall core aeration to strengthen roots and to prepare for a hardy spring workout. Conduct corrective pruning of trees and shrubs in fall to enhance plant appearance and vigor, and thin rather than top-shear and overgrown shrubs and flowering trees to preserve their overall shape.
REPLACE
Fall's favorable weather conditions, as well as moist and warm soil temperatures, create the ideal opportunity for successful seeding of bare lawn areas and overseeding of healthy grass to improve your lawn thickness and density. Replace dead or floundering plants in fall for a healthier landscape and improved curb appeal in spring.
MOW & MULCH
Mow your lawn into the fall and avoid removing more than one-third of the leaf blades with each cut. Return grass clippings and back to the soil for added lawn nutrients and use tree leaf compost to nourish plants.
FEED
A good fall feeding gives roots of lawns, trees and shrubs the energy needed to prepare for a healthy spring green revival. Keep fertilizer on target to prevent run-off and sweep fertilizer granules that may reach pavement back onto your lawn. Use a trained specialist, such as TruGreen, for insect and disease control measures customized to your region to help trees and shrubs thrive.
By Stephanie Andre
RISMEDIA, September 10, 2010--Now that fall is fast approaching, it's time to start thinking about preparing your lawn for the winter months and even the spring.
According to TruGreen, it's important that homeowners understand how to care for their lawns, trees and shrubs in fall before the end of the growing season. The experts at TruGreen offer five fall green space tips to homeowners to better prepare their outdoor living rooms for spring's vigorous growth.
ASSESS
Thoroughly walk your property and inspect lawn, trees and shrubs as these plants prepare for dormancy in late fall and early winter. Identify problem areas in need of treatment, pruning or replacement. Note patchy areas, where grass has thinned out or is in need of valuable nutrients and appears as light green. Also look for weed and pest infestations and overgrown shrubs and trees, especially those with the potential for interfering with roof and power lines. Consider a qualified expert, such as TruGreen, to properly gauge your lawn and landscape needs.
AERATE & PRUNE
Help your lawn breathe through fall core aeration to strengthen roots and to prepare for a hardy spring workout. Conduct corrective pruning of trees and shrubs in fall to enhance plant appearance and vigor, and thin rather than top-shear and overgrown shrubs and flowering trees to preserve their overall shape.
REPLACE
Fall's favorable weather conditions, as well as moist and warm soil temperatures, create the ideal opportunity for successful seeding of bare lawn areas and overseeding of healthy grass to improve your lawn thickness and density. Replace dead or floundering plants in fall for a healthier landscape and improved curb appeal in spring.
MOW & MULCH
Mow your lawn into the fall and avoid removing more than one-third of the leaf blades with each cut. Return grass clippings and back to the soil for added lawn nutrients and use tree leaf compost to nourish plants.
FEED
A good fall feeding gives roots of lawns, trees and shrubs the energy needed to prepare for a healthy spring green revival. Keep fertilizer on target to prevent run-off and sweep fertilizer granules that may reach pavement back onto your lawn. Use a trained specialist, such as TruGreen, for insect and disease control measures customized to your region to help trees and shrubs thrive.
Thursday, September 9, 2010
Re/Max State Line NEW Office Listings
15146 W 153rd Tr.
Olathe, KS
Marketed By: Sharon McFarland & Suzanne Vaughan
www.McFarlandTeamKC.com
11221 W 69th Tr.
Shawnee, KS
Marketed By: Jim Henderson
www.henderji.remax-midstates.com
11137 Wornall Rd.
Kansas City, MO
Marketed By: Catherine Lewer
www.lewercat.remax-midstates.com
9531 Horton St.
Overland Park, KS
Marketed By: Paula White
www.PaulaCWhite.com
7421 Cherokee Dr.
Prairie Village, KS
Marketed By: Wesley Piercy
www.piercygroup.com
7222 Dearborn St.
Overland Park, KS
Marketed By: Beth Potts
www.BethPotts.com
7200 Hemlock St.
Overland Park, KS
Marketed By: Marilyn Dugan & Cindy Nabors
www.MarilyDugan.com
6017 W 158th St
Overland Park, KS
Marketed By: Susan Shartzer
www.SellingKC.com
5540 Riggs St.
Mission, KS
Marketed By: Que Que Ward
www.Q2Homes.com
4801 Northern Ave
Kansas City, MO
Marketed By: Sheila Vardakis
www.SheilaSellsKC.com
4023 W 62nd St
Fairway, KS
Marketed By: Angie Scherzer
www.AngieScherzer.com
1824 S 105th St.
Edwardsville, KS
Marketed By: Nathan Fournier
www.nathanfournier.remax-midstates.com
209 E Winthrope Rd.
Kansas City, MO
Marketed By: Brent Kendrick
www.BrentKendrick.com
104 E 65th Tr.
Kansas City, MO
Marketed By: John Arnold
www.johnarnold.remax-midstates.com
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