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Tips for a Stress Free Move |
Moving
is a big decision, not to mention a lot of work. But once you've put in the
required notice at your rental office, or you've sold your home and found the
perfect living space in your new city, the planning should begin. Preparing for
a move can be a very stressful undertaking, but, if properly planned, you can
definitely simplify the process, making the transition from your old home to
your new one much smoother.
Be prepared. Having adequate supplies will make your move easier, so you'll
want to have more than just boxes. You'll need packing tape to seal your boxes,
permanent markers to label them, newspaper to insulate breakable objects, and
bubble wrap to protect your more fragile belongings. You should be able to
obtain boxes from your local grocery store, but if they're out of boxes, try
fast food restaurants. You may consider purchasing some plastic storage boxes
if you have items you won't be using soon after the move. If you have a few
boxes of items that are going to go straight into the attic, for example,
plastic boxes might be a wise investment.
Start early. Sorting through your belongings will help you decide if there
are some things you can part with -- without missing it later on. Even if you
end up keeping everything you own, take advantage of the fact that there are
items you only use part of the year. If it's summer, you can pack your skis and
your winter clothing first, as you won't be needing those items for a while.
The early phase of packing is the time to pack up that stack of books you've
been meaning to read, Christmas lights, holiday decorations, and any other
items you can comfortably live without until you've moved into your new place.
If you're finding you have a lot of items that are in good condition that you
want to be rid of, have a moving sale. You can use the profits to help you with
moving expenses, and you can donate the items left over to a local charity.
Clearly label boxes. When labeling boxes, try to be as descriptive as possible.
Instead of labeling sheets and pillowcases "guest bedroom," for
example, label them "sheets and pillowcases- guest bedroom," and
so on. This will not only help you know where to place the boxes on moving day-
it will also help you locate an item if you find yourself needing it before
you've completely unpacked.
Plan, plan, plan. If you're not planning on hiring a moving company, start
recruiting the help of friends and family members early on. Usually, they'll be
happy to help as long as they've been given enough notice, and you'll likely
have plenty of time beforehand to ask them in advance. Make sure you call or
send an email reminder a week before moving day to remind them. On the day your
helpers arrive, make it a goal to have all your belongings packed in boxes, and
disassemble the furniture that can be disassembled.
Remember that everything you can do ahead of time will make your move simpler
for everyone, and considering the fact that moving is naturally stressful, the
more you can prepare yourself for a smooth moving transition, the better.
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Looking to Buy or Sell a Home? Find a Great Real Estate Agent |
If you're in the market to buy a new home or are looking
to sell your current home, enlisting the help of a real estate agent is your
best bet to make the process as easy as possible. Finding a real estate agent
who specializes in buying or selling is your first step. If you're looking to
purchase a mountain cabin, for example, hiring a real estate agent that
specializes in corporate real estate probably isn't the best fit.
When you're looking for a real estate agent, avoid hiring someone just because
they're your friend or family member; getting a referral can prove a valuable
resource, but don't feel obligated to do business with a particular agent just
because you know them.
Experience is another crucial aspect of hiring a great agent. The enthusiasm of
a new agent can be convincing, but there's nothing comparable to the contacts
and marketing experience a more seasoned marketing agent can provide. The real
estate profession has a remarkably high turnover rate of 80 percent, according
to the National Association of Realtors, so ask a prospective agent for references
and the last 10 fliers from homes they helped their clients sell or buy,
depending on their specialty. You should try and find an agent with experience
and certification with the local, state, and national associations of Realtors,
which ties them to a code of conduct and professionalism, as well as the
Multiple Listings Service database.
Remember that you are hiring the real estate agent, so it's okay to ask
questions. Make sure your personalities and attitudes are a match. They should
be open to your suggestions and a good listener. If you're looking for a home
in the country with some acreage, and your agent continually takes you to view
homes in the suburbs with swimming pools, it's time wasted for the both of you
--so make sure your agent is attentive. Finally, you want to know that your
agent is available if a home that meets your specifications comes on the market,
or if a potential buyer for your home contacts them. Call your prospective
agent when they're not expecting your call to see if they answer, and if they
don't, see how promptly they return your call.
The better your real estate agent, the more confident you'll be during the home
buying/selling process, so seek a good real estate agent that will be a good
fit every step of the way.
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Shopping
for a home is a big undertaking, but add a few hundred (or thousand) miles and
you've got a long distance headache. But luckily, with today's technology, home
shopping across the miles is much easier. Here are some tips to help you find
your new home:
Look online. You'll be able to search for homes in the city you're moving to
based on price, size, neighborhood, and many other factors that might make or
break a housing decision. Looking online and in the classified section of the
city's newspaper should help narrow down some choices. Once you've narrowed
your choices down, you'll be able to make an appointment with a realtor to view
the properties that meet all of your specifications, saving you valuable time
and effort.
When it comes to finding a realtor, if you're moving for work, you may be
assigned a relocation specialist whose company will have an agent they usually
work with. However, if you're not getting help with your move, you'll need a
real estate agent to represent your interest as a buyer; so ask your new
employer, or a friend, or a family member that lives in the area for a
referral. If you don't know anyone in your new town, ask your local realtor for
a referral. Realty is a profession that thrives off networking, so chances are
your local realtor can connect you with someone in your new town.
One note of caution: hiring a good real estate agent is important in any
situation, but it's particularly important when you're shopping for a home long
distance. Your realtor should be a good communicator, keep in touch with you,
and be attentive when you discuss your wants and needs. Especially if you're
under a time constraint, your realtor should only contact you about the kinds
of properties you've expressed interest in.
Lastly, don't trust your agent too much--even with the availability of useful
tools like virtual tours, buying a house sight unseen is just not a good idea.
Your research and real estate agent may have given you a lot of information on
a house, but there are factors like walking through a neighborhood to get a
feel for it, and visiting the schools your children will attend, that you
should check out first. After you've done your research and found some homes
you're interested in, you and your family should plan a weekend where you can
go to your new town and tour houses. As a family, you should pay special
attention to the neighborhoods, the distance from work, schools, the gym, the
mall, museums, etc.
Shopping for a new home and moving to a new city should be exciting, so try not
to get so distracted by the destination that you don't enjoy the journey along
the way. As long as you do your research, keep the lines of communication open
with your realtor and family, and be cautious before making any major
decisions, you'll find the perfect new home--whether it's a few states away or
on a different continent.
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Financial FAQs for First Time Home Buyers |
What financial benefits are there to buying a
home, instead of renting?
When you rent a home, you essentially throw that money away every month, but
when you buy a home, you're making a lasting investment. Even better, when you
own a home you can deduct each month's mortgage interest from your , and
sometimes even state income taxes, which will save you a lot over time by
basically reimbursing you for the interest you pay each year. You can also
deduct the property taxes you pay on your home. And keep in mind that the more
pride you take in your home by renovating it and doing home improvements, the
more likely it is that your house will increase in value over the years, making
it an even more lucrative investment, not to mention more comfortable and
enjoyable for you and your family to live in.
How much of a deposit should I plan on
putting down toward my first home?
The amount of deposit depends on the price of the home you're looking to
purchase, along with the specifications of the lender you decide to work with.
However, a general rule of thumb is to plan on depositing 5% of the price of
the home as your down payment.
Besides a down payment, what else do I
need to apply for a home loan?
You'll need documentation that confirms your identity and your income, like
your driver's license and birth certificate, tax returns, pay stubs, and bank
statements.
What other fees can I expect during the
home purchasing process?
You should generally budget between 5-7 % of the price of the home (on top of
the money you'll deposit) to cover additional fees and charges that come along
with buying a home. Depending on your unique situation there may be a different
amount of fees, but generally the fees are: building and pest inspection, valuation
fees, lenders' mortgage insurance, connection fees for phone, gas, water, and
electricity, and solicitors fees.
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Keller Williams LA Harbor Realty |
Catherine Bennison NO BONES ABOUT IT! SUPERIOR SERVICE - SUPERIOR RESULTS!Realtor Associate
Direct: (310) 707-2162
Cell: (310) 748-7889
Fax: (310) 519-1882
E-Mail: CBennison@KW.com
Website: www.CatherineBennison.com
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In This Issue:
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Contact me:
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Catherine Bennison Realtor Associate
Direct: (310) 707-2162
Cell: (310) 748-7889
Fax: (310) 519-1882
E-Mail
Website
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Preventing Foreclosure
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Foreclosure is a bleak reality in the country's current real estate
crisis, but even in difficult financial situations, it's avoidable with
these steps:
1. Face the problem head on. When you realize
you're falling behind on your mortgage payments, contact your lender...
most lenders provide options for borrowers to help them get through
difficult financial times without facing foreclosure.
2.
Prioritize your spending. A mortgage is often the largest expense a
family is responsible for, but difficulty paying the mortgage is
usually due to poor money management, not lack of money. Write down
every purchase you make in a week and you may start to see that
frivolous spending (eating out, buying unnecessary items, etc.) is
adding up and taking away from the mortgage fund. Consider eliminating
optional expenses like cable, internet, and club membership until
you're caught up on mortgage payments and have a budget in place to
prevent it from happening again.
3. Use your assets. If you're
in dire financial straits and having difficulty catching up on your
mortgage payments, consider selling a second car or getting a second
job to help catch up. This will not only bring more money into your
home, but it will also demonstrate to your lender that you are actively
trying to keep your home, even if it means making sacrifices.
4.
Know your rights. Contact your State Government Housing Office to learn
about foreclosure laws and timelines in your state to find what your
lender can legally do if you don't make your payments. And finally,
don't succumb to "foreclosure prevention companies" preying on the
vulnerable. These companies often charge the equivalent of 2-3 months'
worth of mortgage payments to negotiate with your lender, a service
that various nonprofit organizations will do for free.
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Good Smell, Easier Sell: How Fragrance Can Help Sell Your Home
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Did you know that, according to ActiveRain.com, the most
successful fragrance to use when you're trying to sell your home is a cinnamon
apple fragrance? If you're looking to sell your house, your nose knows, but how does it work? Potential
homebuyers subconsciously equate certain scents with feelings of comfort and
familiarity, definitely factors that will help them imagine living in your
home, so before you open your house for tours, try these home staging tips to
help get your home smelling fresh and fabulous:
Bake something before guests arrive. The smell of freshly baked bread or the
aroma of an apple pie a few minutes out of the oven will really waft throughout
your home and right into the noses of potential home buyers.
Use candles. You don't even have to light candles for them to help brighten up
the fragrance of a room, so place some candles in closets, bathrooms, and
bedrooms to freshen things up a bit.
Buy some flowers. A vase of flowers on your kitchen table will not only
brighten up your kitchen, but if you use a fragrant variety of flowers like
roses or gardenias, they'll enhance your home's selling power.
Simmer a pot of mulling spices on your stove for an easy sweet-smelling kitchen.
Try simmering cinnamon sticks and cloves on your stove in some water on low temperature
and your home will start smelling good enough to eat (or live in!).
Finally, remember that with scents, less is always more. Everyone has had an
experience with too many scents at a perfume store or an overpowering cologne
worn by someone in an elevator, so when you're using fragrances to stage your
home for tours, don't go overboard. And remember, if all else fails, use an
apple cinnamon fragrance to charm potential home buyers.
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