The best choice of your home living

Archive for October, 2009

If there is ever a time of year when the ghosts and goblins roam the streets of the modern world, that time would be Halloween. Today’s ghost and goblins are probably a little more frightening than at any other time in history but they are often tempered by a princess seeking frogs and a few witches and wizards along the way. Halloween is a great day to be a kid but can also be a great day for grown ups as well. Decorating for Halloween can be almost as fun as going out and begging for candy any day of the week.

Besides, having a well decorated home for this holiday gives you the perfect excuse to scare the evil out of some young ghoul or vampire that thinks he or she has the market cornered on frightening. The really cool thing about decorating for Halloween is that it is not one size fits all. You are perfectly free to find some very scary home decorations for this delightful holiday or take on a kinder, gentler, more kid friendly style of decorating. Either decision is yours and yours alone and should carefully monitor the scare-ability of your own children when deciding. You certainly don’t want them afraid to come home.

For a more frightening Halloween scene you will probably want to use some strobe lights, frightening music and sound effects, dry ice in order to incorporate spooky fog, and plenty of spider web type netting in order to give those who dare approach your door bells a complete and thorough case of the willies. Doesn’t this sound like so much fun? Coffins with headless straw men are also a great addition as well as skittering spiders and the occasional chainsaw or two. A glow in the dark hockey mask may also be a good choice. Bodiless heads suspended by fishing wire are also quite the highlight for a true and robust fright.

If your goal is to create a kid friendly Halloween atmosphere there are cheerful pumpkin decorations that can be found in many shapes and sizes as well as Casper the friendly ghost, Frankenstein piñatas, and countless other fun party favors that are designed to bring entertainment and delight rather than terror and far. String pumpkin lights around the porch for added lighting and another friendly face in addition to keeping plenty of candles and lanterns lit nearby. Not all trick or treaters are older kids who appreciate a good scare so keep this in mind as the little ghosts, goblins, princesses, and super heroes arrive.

For adult gatherings all bets are off when it comes to home decorating for Halloween. There are all kinds of themes that can be followed from the incredibly zany and outrageous to the frightening or flamboyant. The biggest suggestion in these matters is to have fun at all times and bring the be the life of the party rather than having the decorations upstage your efforts. Far too many people spend more time concerned with how they will decorate their homes rather than wondering how they will decorate themselves for the festivities. If you find the perfect costumes all eyes will be on you and not your decorations.

Favorite suggestions for adult parties would include strobe lights, much like the frightening scene described above, low additional lights, perhaps black lights near the food and drink area of the party. More dry ice (if tolerable some people have difficulties with the smell particularly those with allergies or asthma so you may want to avoid this inside your home and leave it for the exterior). Bales of hay in the corner make excellent additional seating and can contribute to the harvest/autumn/Halloween atmosphere you are attempting to create. Just remember that the underlying goal is for you and your guests to have a great time. Have good food, good music, and good friends, and the decorations really and truly should be a secondary concern.

The ideal agent is not always the one with the most sales under his or her belt, or the most years on the job. The ideal agent is one who listens to you, is easy to get along with, and has the tools and skills to address your unique situation.

Every home buyer is different. Some have credit issues. Some are buying from out of state. Some need help selling their current home in addition to buying a new one. Just as buyers have different needs, real estate agents have different skills and specialties.

Here’s how to find the agent who’s right for you:

1. Ask friends and family for agent referrals.
Nobody knows you as well as your friends and family do. So they’re often in the best position to recommend an agent who is well-suited for your needs. You can also trust a referral from friends or family more than one that comes from a stranger.

2. Talk to multiple agents.
I once saw a statistic that 84% of home buyers choose the first real estate agent they contact. This means one of two things. Either most people are choosing wisely the first time, or they’re just rushing into things without shopping around. Probably a little of both.

You don’t have to exhaust yourself interviewing agent after agent, but at least talk with two or three to see who you’re most comfortable with (which leads to the next point).

3. Consider the vibe factor.
Professional expertise is an important criterion when choosing a real estate agent. But interpersonal skills are equally important. After all, you’ll be working with this person anywhere from 2 to 12 months, so it helps to get along with them. We all have unique personalities, and that’s the way it should be. But when working with someone professionally, if helps if their personality “meshes” well with your own.

4. Ask how they hunt.
When deciding on a real estate agent, ask how they search for homes. Some agents have their own preferred listings that they favor. But you want what’s best for you, not what’s best for your agent. You’re paying them, right? So make sure the agent is willing to search high and low to find the best home for you. That includes using the Multiple Listing Service (MLS) as well as their own personal network.

5. Read paperwork carefully.
This advice is heavily used for a reason. It’s critical that you examine all documents during the home buying process, and that includes your agent agreement. At some point during the relationship, your agent will probably ask you to sign an agent agreement. Basically, it just means that if the agent shows you a particular property, your purchase of the property should be credited to that agent. In most cases it’s a simple, just be sure to read it carefully and ask questionss.

It was a simple real estate formula. The ads ran in our small-town newspaper for years before I realized exactly what was going on. They were always the same: A house for sale with 5% down and payments of 1% of the purchase price. Maybe a three bedroom home for $90,000, for example, with $4,500 down and $900 per month payments.

When a friend started doing the same thing he explained the process to me. It was a way to get a great return on capital, and it was the opposite of buying with no money down. There is no down payment at all when you buy, because you buy for cash.

The Simple Real Estate Formula

You probably know that when you buy for cash, you can often get a much better price. With no financing contingencies in the offer, and the promise of a faster closing, sellers are willing to sell for less. You can offer $95,000, for example, on a house that might be worth $108,000. If you can’t get it for less than, say, $99,000, you walk away – there are always other opportunities.

Once you buy the house, you put few thousand into high-return repairs and improvements. These might include paint, carpet, and maybe asphalt for a dirt driveway. For our example, we’ll say you spend $5,000. Let’s suppose the house is worth $116,000 now. You’re ready for the next important step in this real estate formula.

You put it up for sale, targeting buyers who can’t get financing easily. You provide the financing. Because you are making it easy for the buyer, you can get more than the $116,000 value for the home – and do it without paying a realtor’s commission. Let’s say you sell it for 123,000. The buyer needs a down payment of just 5%, or $6,150, and makes monthly payments of $1230 per month. You charge higher interest than the going rates at the banks, of course.

This is a win-win situation. Your buyer is able to buy a home instead of renting, and you get a capital gain of perhaps $16,000 after expenses, plus good interest. Your total rate of return will often be over 20%!

In our town, the first to do this consistently were a father and son team of lawyers. They saved money by doing their own foreclosures when necessary. Once they foreclosed, they raised the price and sold the home all over again.

They made millions. Did you know that if you can get an average return of 18% on your money, you’ll turn $75,000 into more than one million dollars in about fifteen years? That’s the power of a good real estate formula.

Your home is undoubtedly the most valuable asset for the vast majority of us and selling it will cost thousands. Using the money saving tips in this article should reduce the cost of moving home.

Estate Agent fees vary, so shopping around and don’t forget to haggle and pay one off against the other. You should aim for 1% commission, also push then to limit the tie-in period to no more than 6 weeks, this gives then enough time to sell the house, but if they can’t you can move to another agent without going “multi-agent” which will increase the fee to about 3%+, a big no-no! Ensure you get a fair valuation, never tell an estate agent what other agencies have valued your house at. They will use this to manipulate its offer, often resulting in wide distortions.

It is false economy to go for the cheapest solicitors, so get recommendations from all the estate agents you speak to and remember to ask for the name of specific people, rather than just the legal firms. Give them a call and ask what their charges are, also note whether they are they friendly, helpful, and most important efficient? Fees are negotiable so haggle! Play off each one against the other to get yourself the best service at the best price.

Selling you house privately can save thousands. One in twenty vendors are now taking the DIY route which could save you thousands. That is a massive money saving tip, but there are a couple of downsides, basically “time and effort”. You could consider newspaper advertising, flyers and signs. Newspapers usually charge per line or per word so try to keep your advert as brief as possible without making it uninteresting. The simplest way would to sell your house yourself is to use one of the many online house selling service.

Obviously it is best to sell your house when the market is strong and demand is high, so keep an eye on the local property market. Generally, the market tends to be stronger in early and late summer than the rest of the year, so aim to sell your house then. Also avoid completing with your neighbours so if there are already a few “For Sale” signs on your street, it might be better to wait a bit.

Research has shown that a poor presented house can take longer to sell and may reduce the price by thousands. So get your paint brushes out, give your home a lick of paint and finish all of those DIY jobs which are outstanding. Also talk to the estate agent about adding value to your property it maybe worth spending a bit of cash to make some more. However, be careful not to over spend, you might not get your money back, so talk all planned improvements through with your estate agent.

If you are determined to save money when selling your home, do some more research, as they say knowledge is power. Websites such as Maxxsave specialise in offering Money saving tips, a brief browse around such sites will allow you to get all the information you need to save you a ton of money.