Isaac's Blog on Las Cruces, NM & Green Real Estate Issues

SURVEY -- HVCC (Home Valuation Code of Conduct) SURVEY . . . MAKE YOUR VOICE HEARD ON THIS IMPORTANT ISSUE!!

Isaac E. Chavez (Las Cruces Association of REALTORS) — Sat, 25 Jul 2009 10:27:01 -0500

Via Carla Muss-Jacobs, ABR, CEBA, e-PRO, Realtor (Broker/Owner EBA Portland, LLC):

The Oregon Association of Realtors(r) has emailed a survey -- but you might be interested in it, as well!

The HVCC (the House Value Code of Conduct) has been a very controversial "new" code which took effect May 1, 2009.

The reason I'm shaing this survey is because it's important that we voice our opinions . . . and this survey will do EXACTLY that. It's not long a survey and will take you less then 5 minutes.

Please take the time to speak out if you have any issues at all. In fact, if you like the new rules, so state!

This is the quote from The Oregon Association of Realtor(s) email from Andrea Bushnell, CEO and General Counsel:

"There have been increased problems related to appraisals in recent months. On May 1, Home Valuation Code of Conduct (HVCC) rules were adopted regarding mortgages that will be owned or guaranteed by Fannie Mae and Freddie Mac. NAR is concerned that the rules could delay or actually eliminate a number of potential home sales. NAR would like to assess the extent of the problems, and you can help by completing this short survey. Your response to a brief online questionnaire will help the Association and policymakers address the potential problems.

All responses will be treated as confidential and will be compiled into a brief report. The survey closes on June 30. The link to the survey is below:

http://www.zoomerang.com/Survey/?p=WEB229C4JDNAYC "

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Since this is NOT state specific -- although sent from my Realtor(r) association -- it's for all of you who WANT your voice heard, here's a great oportunity to have your say!

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Representing Buyers Since 1999
Carla Muss-Jacobs, ABR, CEBA, e-PRO
Broker/Owner
EBAPortland, LLC
YOUR Exclusive Buyer's Agent www.EBAPortland.com

All rights reserved (c)

Benefits of Rammed Earth

Isaac E. Chavez (Las Cruces Association of REALTORS) — Tue, 07 Apr 2009 04:34:29 -0500

Benefits of Rammed Earth Construction Natural beauty of the rammed earth material Structural walls with large load-bearing capacity No maintenance High insulation rating (R33) Fire proof Engineered for earthquakes Uses subsoil (not topsoil) Saves trees from our valuable forests High sound resistance - inside and outside Insect proof - termites, carpenter ants, etc... Rodent proof Thermal mass - stabilizes air temperature Sustainable for 1000+ years Free of fungicides and pesticides Thickness of walls gives a solid feeling to the building Shields from harmful electromagnetic fields and radiation Lowers cost of heating Uses local materials for walls Cost comparable to conventional construction Indoor air quality Green building for health of future generations

Adobe Building Technique

Isaac E. Chavez (Las Cruces Association of REALTORS) — Tue, 07 Apr 2009 04:30:08 -0500

Adobe Adobe is one of the oldest building materials in use. It is basically just dirt that has been moistened with water, sometimes with chopped straw or other fibers added for strength, and then allowed to dry in the desired shape. Commonly adobe is shaped into uniform blocks that can be stacked like bricks to form walls, but it can also be simply piled up over time to create a structure. The best adobe soil will have between 15% and 30% clay in it to bind the material together, with the rest being mostly sand or larger aggregate. Too much clay will shrink and crack excessively; too little will allow fragmentation. Sometimes adobe is stabilized with a small amount of cement or asphalt emulsion added to keep it intact where it will be subject to excessive weather. Adobe blocks can be formed either by pouring it into molds and allowing it to dry, or it can pressed into blocks with a hydraulic or leverage press. Adobe can also be used for floors that have resilience and beauty, colored with a thin slip of clay and polished with natural oil. Adobe buildings that have substantial eaves to protect the walls and foundations to keep the adobe off the ground will require less maintenance than if the walls are left unprotected. Some adobe buildings have been plastered with Portland cement on the outside in an attempt to protect the adobe, but this practice has led to failures when moisture finds a way through a crack in the cement and then can't readily evaporate. When adobe is used as an exterior plaster it is either stabilized or replastered on a regular basis. Adobe is a good thermal mass material, holding heat and cool well. It does not insulate very well, so walls made of adobe need some means of providing insulation to maintain comfort in the building. Sometimes this is accomplished by creating a double wall, with an air space, or some other insulation in between. Another approach is placing insulating materials on the outside.

Home Repair Tips on The Housing Guru

Isaac E. Chavez (Las Cruces Association of REALTORS) — Fri, 03 Apr 2009 15:34:30 -0500

Via John Mulkey, Housing Guru (TheHousingGuru.com):

The Housing Guru has just expanded its website with a new section, "Home Repair Tips." In this section homeowners can find easy fixes for common home repair problems. Homeowners wanting to save by doing it themselves will find helpful information on topics that range from repairing drywall, simple electrical maintenance, greening your home, easy plumbing repairs, or how to locate water cut-off valves.

A valuable resource with the latest information about housing, The Housing Guru also provides tips on selling, buying, building, remodeling, and frugal living. Check out this new addition to our website and let us know how we can improve.

For the latest information and tips on buying, selling, building, remodeling, or home repair, visit: www.TheHousingGuru.com

The Housing Market Will Come Back Just Like The Stock Market

Isaac E. Chavez (Las Cruces Association of REALTORS) — Fri, 03 Apr 2009 15:33:22 -0500

Via Bill Gassett Metrowest Massachusetts Real Estate (RE/MAX Executive Realty):

We most likely have a little ways to go before Real Estate markets throughout the country finally hit bottom. After all there is still a significant amount of foreclosure inventory that needs to be sold, as well as new foreclosure inventory that has not yet hit the market.

According to Rick Sharga, Vice President for marketing at Realty Trac, a foreclosure listing firm, there were around 700,000 foreclosed homes nationwide at the end of last year that had not been listed yet. This "shadow inventory" of unsold homes certainly could drag the correction out longer.

This period in time however, could eventually looked back at as one of the best in our history to buy a home.

Think about it for a minute when have we ever had the kind of conditions that we presently have now? A large consolidation in housing prices, interest rates teetering on near record lows, 1st time home buyer tax credits, and on and on.

In some respects the housing market is like the stock market. Everyone would love to find the exact bottom and then buy.

If your time line for home ownership does not include a possible transfer over the next couple of years what are you waiting for? You should be jumping at this chance. The cost of home ownership has never been more affordable!

In many areas throughout the country you can own your own home for less than what a similar home would rent for. This is BEFORE you even take into account the tax savings involved with having a home.

While stocks can often times shoot up in a span of a few weeks and home prices do not, don't be foolish enough to assume that interest rates could not jump in a very short period of time. As soon as inflation starts to rear it's ugly head there will be extreme upside pressure on interest rates.

If you are a 1st time home buyer or want to move up in the market to a larger home there has never been a better opportunity. For those that want to think about moving up in the market and have not made the move because of lost equity - STOP WORRYING ABOUT IT! You will make this up on the purchase, as the home you will be buying will most likely have dropped by a larger percentage. For a detailed explanation of this see selling your home in a buyers market.

Interest rates are the X factor right now! The cost of borrowing money is super low. How long this will last is anybodys guess! I truly believe we are nearing the bottom of the Real Estate correction. Rates will not stay this low forever. Don't kick yourself by saying I coulda, woulda, shoulda after the rates jump!

I will leave you something to think about with this 30 second video:

______________________________________________________________________________________________________

About the Author: The above Real Estate information on the housing market coming back was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356.

Have a home to sell in Metrowest Mass? I have a passion for Real Estate and love to share my marketing expertise!

For Metrowest Massachusetts Real Estate and homes see Real Estate in Metrowest Mass. Want to have MLS access to beat other buyers to your dream home? Sign up with no obligation at my MLS Property Finder Site.

I service the following towns in Metrowest Massachusetts: Hopkinton, Milford, Upton, Southboro, Westboro, Ashland, Holliston, Mendon, Hopedale, Medway, Grafton, Northbridge, Uxbridge, Franklin, Douglas, and Framingham MA.

Click here to view Bill Gassett's Real Estate profile.

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Full Time, Full Service Realtor...A thing of the past?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:22:34 -0500

Via William Feela Owner/Broker North Branch,MN (Whispering Pines Realty):

I DON'T THINK SO! The Full time agent is just starting to build up steam. There is so much to learn, many people to be in contact with, (other professionals) Zoning codes, market trends, pricing, sales, short sales, foreclosures...ECT!

You can't begin to stay on top of it all if you are not studying and researching all the time. Then if you work more than one sity, or county...the work is double and triple if not more.

When you sign on with a Real Estate Professional, you want your questions answered promptly, not just after 6 o'clock when they get home from the other job! Real Estate Professionals are not always available every minute of the day! I usually will NOT answer my phone if I am with another client. You want my full attention when I am working with you, so remember others deserve that same courtesy.

NOW, that being said, there are a lot of GOOD Professionals that are working other jobs. Many have to to pay the Bills! But, are they accessible for your needs in a timely matter. For each person, for each issue that time is debatable, for some issues need action right away while others can wait a hour or two, maybe even a day.

So, Before you work with a Real Estate Professional, check with others and see how well they handled their transaction. Check the Professional out and make sure they have your best interests in mind. A couple of phone calls can mean a difference between a smooth transaction or The transaction from HELL!

Solar Photovoltaic Power Systems - How Much Do They Cost?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:17:43 -0500

Via Stanton Homes - Penny Hull Raleigh NC Custom Home Builders (Stanton Homes - Triangle NC New Homes):

Buying a Green Home

Solar Photovoltaic Power for Your Home

How Much Does a PV System Cost?

If you're considering going green with your new (or existing) home, one of your first questions is probably - how much is a solar photovoltaic (PV) system going to cost? The answer can vary quite a bit, but here's some basic considerations:

Federal and State Tax Credits

In North Carolina, there are significant tax credits available. You'll want to check with your tax accountant to make sure you're eligible. Or, if you're working through Southern Energy Management, you'll be able to take advantage of their tax accountant, who answers these kinds of questions regularly!

So for some photovoltaic systems, nearly 70% of the system can be paid for by both state and federal solar energy tax credits.

What Size Photovoltaic System Will You Need?

The typical "starting point" for a photovoltaic solar power system is 2 killowatts. To put this in perspective, a typical 2000 sq ft home uses 12 killowatts.

Average cost per watt to build a photovoltaic system, start to finish, is $8-$10 per watt, with the price per watt decreasing as the size of the system increases, per Southern Energy Management, a nationally recognized solar power installer.

So a typical 2 kWh system will take care of a small portion of your needs, with a total cost of somewhere around $20,000, depending on site conditions and other factors. This is before any tax credits or other cost savings factors.

What About Selling Your Solar Power?

The state of North Carolina strongly encourages the use of green power. NC GreenPower is an independent, nonprofit organization that basically buys clean, green power (solar, wind, water, etc) from sources and "sells" it to average users who want to use power that's better for the environment.

Basically, you'll "sell" your solar generated photovoltaic power for about $.15/kWh, while paying approximately $.10/kWh for "regular" electricity.

In addition, you'll also get credits back from the power company, usually about $.05/kWh.

So the electricity your solar photovoltaic system generates produces a "cash crop", while creating clean green power!

Other Cost Breaks for PV Systems

Talk to your accountant. There is also depreciation and a few other factors that may contribute to lower overall costs.

More questions?

Just contact us, and we'll help you determine if a photovoltaic (PV) system is best for your needs and budget for your new home!

Read about more green home building topics at http://www.greenhomestriangle.com/.

Available Communities and Land - Triangle NC Area

Stanton Homes for Heroes Military Discount

EnergyWise - Guaranteed 50-70% Savings

Universal Design (Wheelchair Accessible) Homes

Green Building and Green Features

Lot Selection Advice

Floor Plans

Available Communities

ENERGY STAR Homes

Solar Water Heaters and Photovoltaic Systems

Copyright 2009 Stanton Homes. All information current as of posting date.

Infill Development vs Gentrification

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:17:21 -0500

Via Deb Hurt, ABR, e-Pro, EcoBroker, TRC (Envirian of Albuquerque):

The Merriam Webster definition of Gentrification is: the process of renewal and rebuilding accompanying the influx of middle-class or affluent people into deteriorating areas that often displaces poorer residents

While there continues to be disagreement about what constitutes successful urban infill, there is general agreement that the term refers to efforts to utilize existing infrastructure when building new structures whether for commercial or residential use. For the most part, there is also agreement that this is good for both "smart growth" reasons since it stops (or at least slows) the ever expanding girth of cities and helps to revitalize existing urban areas and for revitalizing areas that have begun to decline. Herein lies the dilemma.....

I am a huge fan of remodeling and of building in existing neighborhoods. I believe that it can really be a boon to the area, however, building 2000 square foot homes with high end granite counters, jacuzzi tubs and Travertine floors in a neighborhood of 50 year old 1200 square foot homes that the owners have a hard time maintaining let alone improving is not helpful to the folks who live in the neighborhood already. It is, arguably, not even good for the people who might buy the house. Yes, they are paying less for the same house if it were in a different location but is it a good investment for them? Only if they are buying it because they love both the house and the neighborhood and don't really care about the economics of it.

Ask the people who live across the street or down the block from the new house what they think. They can't afford to have their property values increased because they are already struggling to pay the taxes. Who is going to buy the new home? Either someone who can't afford to buy the same house in a more upscale neighborhood or someone like the builder who built it and is in the process of building seven more on the same street-----oh, yeah, he is trying to buy out the remaining neighbors in the cul de sac where these are located. I love the note in the MLS that says that all 8 of the new homes being constructed here will have fenced yards---he's talking about the FRONT yard folks---- and for some reason I am not visualizing the three foot white picket fence that neighbors used to share iced tea over and grow roses on.

It is quite possible to build good, energy efficient, affordable homes in neighborhoods like this one rather than slightly smaller McMansions that don't really fit the neighborhood. Good builders build those kind of homes everyday. I've run across several of these large new homes lately in working with a buyer who wants a "nice" house but is smart enough to know that she should

Spend a little less than what her lender told her she is approved for.

Look for a house that she feels would be a home for many years since she doesn't want to move again in her later years (she's 45)

Is large enough for her to enjoy having her children and grandchildren visit but not too large for her to clean and maintain comfortably

And in her words, "I know better than to buy the biggest nicest house in the neighborhood - I would never get my money back if I did have to sell it later for some reason".

If one of these homes had been a 1500 square foot home with Saltillo tile instead of Travertine and a simple fireplace rather than an ornate one with expensive finishes and one of many solid surface counter tops rather than granite, good quality EnergyStar appliances and HVAC systems properly sized for the house, it would have cut 25% or more off the cost of the house and brought it down to the price range of the rest of the homes in the area. She would still have had a brand new home she loved in an area that she liked and she would have bought it in a heartbeat. Instead what we have is smaller trophy homes in unlikely places.

Perhaps as the economy and the environmental crisis combine to make more people examine their priorities we will see a shift away from gentrification toward community building which I think is a much more appropriate goal for infill development. Having walkable neighborhoods, energy efficient homes and interacting with our neighbors in a cooperative way that helps us all have a better life can be a path to changing and improving neighborhoods and cities for the better without gentrifying them. Making a neighborhood a better place to live does not have to mean making it unaffordable.

Some more tips for Earth-Friendly Spring Cleaning

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:16:54 -0500

Via June Piper-Brandon, CRIS, ePro, Broker (Advance Realty Anne Arundel Inc.):

We only have one earth and we really do need to take care of it so that it will be here for future generations to come. One of the staples in my household cupboard is baking soda. I buy it when it's on sale and often get it for 3 boxes for $1. It goes a long way. There are a lot of great environmentally friendly products available for cleaning. Here are some inexpensive ideas.

Carpets - Before vacuuming, shake baking soda over the carpeting; it will help absorb odors. For spot cleaning, try that natural wonder, vinegar. Spray it on, scrub out the spot with a washrag and don't worry about the vinegar smell, it will soon dissipate.

Upholstery - Sprinkle stale cushions and chairs with baking soda, then vacuum after letting it sit for a while.

General Odors - Make your own scented sprays by mixing distilled water, isopropyl alcohol (ieep this away from heat and flames, as well as from children and pets) and several drops of your favorite essential oil in a spray bottle, then spray wherever needed. For especially stubborn smells, some people swear by zeolite, a natural mineral with tiny, tiny pores and an ability to soak in the worst of odors.

Garbage Cans - sprinkle the bottoms with the natural mineral borax to prevent mold and fungus, and to keep away insects.

Household Gateways for Bugs Spring is when ants and other critters start running amok; fine for the outdoors, maybe, but not in your house. To keep them from crawling in, mix equal parts sugar and borax in a shaker bottle, then sprinkle along likely household entry points (keep away from areas accessible to children and pets).

Laundry - to brighten your whites and keep your colors looking bright add a scoop of borax to your wash water.

If you are thinking of buying or selling a home give me a call today and we'll talk about the market conditions and what your home could possibly be worth in today's market place if you are thinking of selling. If you are considering buying a home, there is no better time than now to buy. The tax savings and wealth building a lone is worth the plunge into todays market.

During 2009 Advance Realty Anne Arundel Inc is waving administrative fees for active duty military, retired military and the families of fallen military, as well as policemen, firemen and emt's. If you enter into a contract by the New Year's eve Advance Realty Anne Arundel Inc. will waive the admin fee at settlement. This is a $350 savings. If you are thinking about buying or selling a home give Advance Realty Anne Arundel a call and receive full service real estate assistance from an experienced agent. Our office is open 7 days a week and we can be reached at 410-761-1550.

June Piper-Brandon, Broker - Advance Realty Anne Arundel Inc.

Green Vs. Potential Border Profits

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:16:31 -0500

Via Joan Mirantz- Concord New Hampshire Realtor (Keeler Family Realtors):

I just read a somewhat humerous but sobering article in my local paper.

New environmental rules seem to have spurred a flurry of inter-state smuggling.

Last July, Spokane County Washington became the launch pad for our nation's strictest ban on dishwasher detergents made with phosphates. It is well known that phosphates are a heavy water polluter and this is an attempt to reduce water pollution! The ban will become statewide come July 2010 and several other states are expected to follow suit!

Now for the smuggling part: It would appear that "green" detergents do (1) Not cut grease and (2) Don't get dishes clean. Those folks in Spokane County were forced to either wash their dishes by hand, put them through a pot & pan cycle (more water) or head East on Interstate 90 into Idaho....for the real deal! One, unnamed, Consumer says"everyone she knows buys their soap in Idaho". The manager of the Costco in Coeur d'Alene Idaho estimates his detergent sales have increased 10%.

Among the other States considering a like ban are our sister states of Vermont and Massachusetts.

For years our border businesses in NH have benefited from tobacco and liquor pricing and our lack of sales tax......do we have another potential source of revenue? On which side will the Legislative debate land? Will we too go green or encourage non-green sales benefits?

Boy....Kermie was right! It's not easy being green!

Concord NH Realtor Area Information

Real Estate IS The Key For A Sustainable Economy

Isaac E. Chavez (Las Cruces Association of REALTORS) — Mon, 30 Mar 2009 16:15:47 -0500

Via Stephanie Edwards-Musa, Realtor ® Spring/Woodlands, TX Real Estate (Prudential Gary Greene, Realtors ®):

But more importantly, it's the people that drive it. Without jobs we have no money. Without money we have no economy. Without both, we don't exist. The world is changing. We are in an amazing era of awakening. It is said that the jobs that our Middle School Age children will have when they graduate from College do not even exist today.

I often get asked why I am so passionate about Green Real Estate. Preceding that question is why I am in Real Estate. While that is a long story, I will sum it up in just a few sentences.

Real Estate is a Major driving force in our economy. Real Estate is an investment. Real Estate and Homeownership is not only a dream in America but across the Globe. How it differs from Location to Location is not the dream, it is the design. Some Cities grow up, others grow out. Regardless, I find it fascinating on many levels.

To build a single Community, let's take in to consideration how many people it takes.

It starts with a Vision, probably from a single person. We then have an Architect or maybe even a team of architects. Electrical Engineers, Plumbing Experts, HVAC Contractors, Landscape Architects, Transportation Engineers - Teams of people that figure out how in the world to get Electricity and Water to all of these people.

The list could be a blog post in itself. But that is not the purpose of this.

The purpose is the People. The purpose is how Real Estate alone can single handedly drive an economy and why it is time to stop ignoring it. More specifically, how GREEN Real Estate is KEY to a Future Sustainable Economy. I do not mean Sustainable as in Eco Tree Hugger like Economy, I mean a Sustainable Economy in which we thrive and flourish. This post is the first of a Series about how Real Estate is often overlooked in the larger picture. Actually, the people within the Industry. It's not about CEO's that want bailed out because they made extremely poor decisions on how to handle their money. It goes way beyond that.

We hear about Foreclosures, Short Sales and lack of Financing available. But it goes so much further than that also. Think about the whole picture. The people. How many people that have gone in to Foreclosure have jobs directly or indirectly related to Real Estate? Most of them.

Engineers that design Commercial Buildings, Bankers that Finance those projects. The people that are actually out there swinging the hammers to build all of the above. All the way down to people that work in the Retail stores that sell products to our Communities and our Baristas at Starbucks that are working in buildings that are on...Real Estate.

But, enough of what is happening now. What is going to happen in the future? The Economy will turn around eventually. And while we are all suffering in one way or another we should be careful to NOT be hasty and make rash decisions on how to fix the Economy right this second. I said the other day on my Facebook that:

"I am offically redefining the term 'recession' as Get off your butt and think outside the box"

The key to Real Estate and it directly being a driving force in our Economy is not just about the Real Estate Agents. It's not just about the Homeowners or even the Banks that give the Financing.

The key is the number of jobs that it can create. Specifically the number of jobs it can create with a Sustainable and Forward thinking approach. We may be losing jobs, we may continue to lose jobs for another couple years. Do we just sit around and watch it happen? Personally, I do not like to think about what is wrong, I prefer to think about how to fix the problem. Every Business likely has a Business Plan. Our Economy is one large Business. Shouldn't it have a Business Plan also?

What we need is to combine another driving factor in our Economy with Real Estate. Education - Job Training.

Education is looked at most often as for children. Our Future. And while the jobs that our middle school children will have when they grow up do not exist today, that does not fix right now. I believe that we will see a surge in the number of College Students that will pursue Engineering and Architecture degrees. But the term Engineer and their job profile will change dramatically over the next 15 years. The people that will educate and train our children are right here today in the work force.

Again, Real Estate being a driving force behind that. I believe that we, as an industry, will be forced to raise the bar in professionalism, knowledge and expertise.

The next post will be regarding possibly the absolute most important part in the Future of Real Estate.

Architecture.

Architects hold the expertise to help make our future flourish and create jobs. More specifically they are the key to a Sustainable Economy - and this time I mean in the way that most people would consider Tree Huggerish.

But looking at the larger picture, its not about being a Tree Hugger. It's about Smart Growth. It's about not making a quick decision on how our future is going to work and how our economy will continue to thrive day in and day out. It's about the people. It's about us and our children. Working. Living. The Dream that most of us in the Real Estate Industry are so passionate about. Our Homes.

Build Your Own Rain Barrel

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 25 Mar 2009 21:44:36 -0500

Via Adam Gallegos (Arbour Realty):

Changing your habits to live a greener lifestyle is a worthwhile cause. Now you can participate in building your own Eco-Friendly products. Arlingtonians for a Clean Environment offer low-cost build your own rain barrel workshops. At this workshop you will learn how to build, install and maintain a rain barrel, and take one home!

Rain barrels can be placed under the a downspout to catch rainwater. Using the rainwater for gardening needs saves on energy costs and can also prevent basement flooding. Using a Rain Barrel allows you to decide where the water is directed and put to the best use. Book your place on the Rain barrel workshop today, and take the opportunity to build something that will help future generations. At the Rain barrel workshop you will also get the chance to meet and get to know like-minded environmentally focused citizens.

Rain barrel workshop schedule:
· Saturday, April 25th, 11:00 a.m. to 12:30 p.m. Walter Reed Community Center, 2909 16th St. South, Arlington, VA 22204. FULL
· Saturday, May 16th, 10:00 a.m. to 12:00 noon. North Hills Pavilion, 1325 North Village Road, Reston, VA 20194.

If your not adventurous enough or have certain time constraints to build your own Rain barrel, no worries, Arlingtonians for a Clean Environment also offer the option to purchase a pre-made barrel for around $62.

Click here to visit the Arlingtonians for a Clean Environment website.

With 100s of Homes on the Market in Your Area; How Does Your Home Compete?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Tue, 24 Mar 2009 15:48:21 -0500

Via Connie Tebyani, Platinum Home Staging Los Angeles to Santa Barbara (Platinum Home Staging, Inc., Los Angeles to Santa Barbara):

NAR Released that over 87% of today's Home Buyers first "shop" the internet, or narrow down their "list" of properties to view in person, solely by how a home is marketed and perceived on the Internet by number and quality of the photographs of the home. But did you also know:

That only 10% of Potential Buyers can envision the home's true potential?



Is THIS how your home is being viewed on the Internet? Wouldn't you rather it look like this?



What is this room for? Don't leave Buyer's guessing.



Awkward floor plans, what to do? Staging sets it all straight.



Small spaces can scare away Buyers - Staging sizes up the room.



Staging can also make the best of what you HAVE ~ breathing new life with the services of professional Home Staging.



Platinum Home Staging, Inc. ~ (805) 553 - 9952

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Be Skeptical About Anyone Asking for Advance Fees to be Paid For Private Loan Modification Services

Isaac E. Chavez (Las Cruces Association of REALTORS) — Thu, 19 Mar 2009 15:20:01 -0500

Via Harrison K. Long - Realtor & Broker (Explore Group Properties, Coldwell Banker Previews, South OC):

DON'T BE FOOLED. PAYING FEES IN ADVANCE FOR PRIVATE LOAN MODIFICATION SERVICES DOESN'T MAKE SENSE.

For a list of California State approved private loan mod services, contact the California Department of Real Estate ~ http://www.dre.ca.gov/

If you hire a private loan mod service, make sure they do the work and succeed in getting you the modification before you have an obligation to pay.

The California Association of Realtors reports on March 18, 2009:

"SCAM ARTISTS USING FORGED LETTERHEAD TO CON CALIFORNIANS"

'California Attorney General Edmund G. Brown Jr. is warning consumers that scam artists are using the forged letterhead of major lenders to con worried Californians into paying thousands of dollars for non-existent loan modification services.'

PEOPLE SHOULD BE SKEPTICAL OF ANYONE WHO DEMANDS MONEY TO BE PAID UP FRONT AND WHO MAKES EXTRAVAGANT PROMISES THAT THEY CAN SAVE YOUR HOME.

Steps consumers can take to protect themselves from loan modification fraud are available at http://ag.ca.gov/newsalerts/release.php?id=1697&.

Complaints may be filed with the California Attorney General's Office at: Office of the Attorney General - Public Inquiry Unit, P.O. Box 944255, Sacramento, CA 94244, or online at http://ag.ca.gov/consumers/general.php.

For information about homes and properties in Southern California, please contact us. Harrison K. Long, Explore Group Properties, Coldwell Banke Previews. 949-854-7747

Rates in the 4's w/no points??

Isaac E. Chavez (Las Cruces Association of REALTORS) — Thu, 19 Mar 2009 15:19:38 -0500

Via Mark Cote (Vision Mortgage):

It has happened!! Rates took a nice nose dive yesterday afternoon and lenders all over were slammed with rate locks and phone calls.

Rates on the conforming loans came down yesterday after the Fed announced a plan to pump cash into the economy in hopes of lower rates and loosening up credit. 30 year fixed rates with no points can actually get into the 4's right now!

The GOOD:

Rates went down into the 4's

Helps buyers lock in lower payments

Gets more people interested in buying

The Not So GOOD:

Underwriting will go from 3 weeks to 6 weeks (locking for only 30 days is now a cost w/most lenders)

Lenders can't handle the demand, websites crashing

Borrowers think rates will be in the 3's!! (Just kidding...kinda)

Only conforming loans so far - these loans are much harder to qualify for = higher credit, lower LTV

Rates coming down and demand going up is great, but the banks have laid off so many employees that the underwriting turn time instantly looks like it will now be an extra couple of weeks. With this information people can just be prepared to lock in and sit tight. I have one lender that is still working on submissions from the 2nd week of Feb!

Either way, this could really help get more people off the fence and get more properties moved!!

And you thought our real estate market was scary.....

Isaac E. Chavez (Las Cruces Association of REALTORS) — Thu, 19 Mar 2009 15:19:03 -0500

Via Eric Medemar (Excell Realty):

If you thought real estate investing was scary, you better try this on for size. Real Estate Investing does not need to be that scary, call Eric Medemar 616-635-0699 an expert in Grand Rapids Real Estate and Grand Rapids Foreclosures

"Green Eggs and Home" ... Who knew Dr. Seuss was so Eco-Friendly ?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Thu, 19 Mar 2009 15:18:21 -0500

Via Sheldon Neal -- That British Agent -- (Bergen County, NJ - RE/MAX Real Estate Limited):

Dr Seuss's "Green Eggs and Ham" was a story of a character who tried to convince a non-believer that there was a better product out there ...
... "Green Eggs".

The second character resisted for a long time - not seeing any benefit to trying the "Green Eggs."

However, character 1 was persistent, as he knew the good taste of the "Green Eggs", and eventually, character 2 agreed to try "Going Green"...
... and as we all know ... He LOVED the Green Eggs ! ... and his life was changed forever

How prophetic of Dr. Seuss almost 50 years ago - to write a precursor to our current global emphasis of changing to a "Greener World", and his story is profoundly similar to what we are facing in society today.

We have many movements out there to promote "Going Green", but many are not taking the opportunity to try it. All it takes is a little research and a little dedication, and you too can benefit and help enhance "Greener Living".

Now, "Going Green" can encompass many areas of our society right now.

To me, it doesnt only mean 'Greener New House Construction', or moving to the use of 'Hybrid Cars', but it also includes helping the concept with more everyday actions that we can all undertake.

The consensus seems to be that the majority of the country believe that moving to more natural resources and energy efficient living is the way to go, but many dont understand what they can do to join the "Green Party" !

Believe it or not, there are some VERY EASY things every consumer can do, to assist with "Energy Savings" in their everyday lives - here are just some examples:

Water Conservation - Add a 1 liter bottle filled with sand or water to your toilet tank - this will displace 1 liter of water usage EACH FLUSH and can save hundreds of gallons of water per month with the average usage of the loo !

~~ Also follow this link for 100 Fabulous Everyday Ways To Conserve Water ! ... this link is amazing !

Caulking Round Windows - Help seal your "Home's Envelope"and save on your heating bills by preventing the drafts from getting in through uninsulated window trims !

Faceplate Gaskets- Simple and easy, and picked up for a few dollars at Home Depot or Lowes type stores, but few people know that small amounts of air can leak in from the outside through your outlet faceplates ! These gaskets help keep those small drafts out - and as we know, every little saving helps !

Solar panels - At a slightly bigger cost, but with a larger potential upside benefit, these Eco-Friendly Energy Suppliers are becoming exponentially more popular. And while we can continue to harness the sun's free energy, this option is one that we all could consider.

I myself just had Solar Panels installed to heat my inground pool in our backyard last summer ! After 2 short seasons, the gas bill savings from not using gas to heat my pool will have paid for the installation of the solar panels, and from then on, all the years of pool heating will be FREEEEEEE ! ... saving energy and money !!

Save our trees - Reduce paper Usage !- This is my personal favorite. One way to do this is to subscribe to an email fax service like MyFax or Efax. These services receive your faxes and deliver them to your email box. You can download them in pdf format, and save them onto your computer - and voila, we just saved a small branch ! ... over the course of a year, we probably could each save a tree or two, and with a few hundred million of us, that's a lot of natural habitat that we just preserved

For additional everyday Green Tips to save energy and help our environment, check out this link to 50 Green Tips We can All Use Today.

So in closing, I think our old friend Dr. Seuss deserves a little more credit than just for writing endearing childrens books - in my eyes, he should be heralded as one of the first pioneers of a "Greener Way Of Life" !!

Bravo Mr. Seuss ! ... you were years ahead of your time ! ... and I'll eat your "Green Eggs & Ham" any day of the week !!

And remember - "Going Green" is not just for St.Patrick's Day
Make it part of your everyday Life !

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

@@ UPDATE: I am honored that this post was just selected as the winner of the "3rd Annual GREEN IS RED HOT" contest !

There were so many great entries with excellent Energy Saving tips - click this link to read some of the others too !!! "2009 GREEN IS RED HOT ENTRIES !"

~

No Time To Waste On Short Sales; Buy Something You Can Close in 30 Days!

Isaac E. Chavez (Las Cruces Association of REALTORS) — Thu, 19 Mar 2009 15:17:36 -0500

Via Mike Jones (Tucson Mortgage Company, LLC):

Just like this magical rainbow in the middle of a storm, there's a sweet spot emerging right now for buyers, agents and lenders. It's a convergence of price and the cost of money.

Home prices have fallen to levels affordable for buyers across the spectrum.

Today, on the announcement that the Fed plans to buy as much as one trillion dollars of bonds, rates fell. Qualified buyers (for the moment) can borrow purchase money at a fixed rate in the mid fours. Qualified borrowers can refinance existing mortgages.

It's a sweet spot in the middle of a financial storm, and I believe its beauty is destined to be momentary.

The future must hold rampant inflation again, as the government prints money out of thin air. There will be inflation, but not this month. Not at this moment.

Yesterday was St. Patrick's Day, and the interest rate Leprechauns are spilling gold at the end of the rainbow. Don't hesitate to take advantage of this lull in the storm.

Buyers, call your REALTOR.

Don't squander the opportunity on a short sale that won't close for months. The rates may have evaporated by then.

Get something under contract that you can close in 30 days.

Call your favorite mortgage broker, complete your application, and LOCK IN THE BEST RATE.

_____________________________________

I'm Mike in Tucson, your preferred Tucson, AZ Mortgage lender.

Think of me as your Tucson mortgage expert.

Call me if I can help you with a purchase or refi mortgage;
(520) 349-9090

photo copyright Chuck Park (used with permission)

Banks still don`t "GET IT" in regards to Foreclosures!

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:03:25 -0500

Via Florida List For Less Realty, Inc. Broker/Owner. :

Turn off the TV, stop listening to the media in regards to the Lenders attempting to quell the housing market fiasco!

It`s not true. The Lenders are still in denial and no matter what the media or Washington proclaims it`s alot of BS!

We just closed a $55,000 condo in Hollywood.The seller had to evict a tenant prior to closing, the buyer was playing games, which is typical and the Lender placed a GUN to our heads in regards to a $500 water bill.

No matter what was done the lender decided they wouldn`t pay the water bill. We couldn`t close until this matter was resolved. You would figure with all the money being handed to the lenders they would cooperate?! Heck no! They flat out refused to deal with us and expected the Realtors to ante up!

It`s a matter of principal, but we refused.

Up until the 12th hour nobody blinked, it looked grim.

Finally, the attorney`s asked everyone to split the difference of $80 per person. Talk about disgusting. The lenders are clueless to what`s going on in the world as long as they have their way it`s business as usual!

It`s not good!

Get READY for another ROUND of Foreclosures - Market's STILL adjusting itself

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:02:57 -0500

Via Regina P. Brown Real Estate on the California Coast:

The snowball is gathering momentum as it rolls down hill. It's turned into an AVALANCHE! My friend Kevin Kendrick sent me an email today with the latest Foreclosure news from CNN as follows:

NEW YORK (CNNMoney.com) -- The foreclosure picture suddenly darkened again in February ...

More than 74,000 homes were lost to bank repossessions during the month, up from 67,000 in January

The worst hit state was South Carolina, foreclosures skyrocketed 254% compared with last February.

Second was Arizona, with one filing for every 147 households, up 23% from January.

Next is California, with nearly 81,000 filings, had more than any other state, with a rate of one for every 165 households.

Florida had more than 46,000, one for every 188 households.

Other hard hit states were Idaho (one in 358), Michigan (one in 360) and Illinois (one in 369).

Phoenix rounded out the top 10, with one in every 110 housing units receiving a foreclosure filing.
The Phoenix metro area posted the ninth highest foreclosure rate in February-

What does that mean for Home Owners? Bad news that so many will lose their houses. But the good news is that their lenders are absorbing these losses, homeowners almost NEVER have to pay a dime of the money lost.

What does this mean for Home Buyers? Great news!!! The 100% financing programs are gone, but now that prices are so low, who needs them anyway? An FHA with 3.5% down and no closing costs is a great bargain.

What does this mean for mortgage lenders and banks? Small, conservative banks will thrive and the mega-corporation banks will disappear in a cloud of smoke <POOF>!

What does that mean for real estate professionals? More business, although in non-traditional areas. We'll all have to adapt to today's market!

Join my new AR group and post your blog at http://activerain.com/groups/virtualoffice

Regina P. Brown
Broker, Realtor®, e-Pro
Author of eBook "Stop Foreclosure Fast: Solutions to Save your House"

Text copyright © 2009 R.P. Brown, All Rights Reserved

Remember When Folks Had a Relationship With Their Home?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:02:21 -0500

Via SarahGray Lamm ~REALTOR Broker~ 60K Hours of NC Real Estate Experience~ (Allen Tate Realtors Chapel Hill, NC):

You might not have heard of Wendi Aarons. She's a blogger I have followed for a while because I like the way she thinks and writes. (She isn't in the real estate industry. I know..but there are some of them out there.)

She posted this entry yesterday, House: A Grown Up Fairy Tale, and I couldn't help thinking this is how many Americans perceive our relationship to our homes to be. It might be helpful if the loud mouths blaming homeowners, who just wanted to buy a home, for all the woes in our economy would remember why Americans want homes. Homeownership may be a privilege and not a right, but for most of us it's worth working hard to accomplish.

"Naked Short Selling" did you realize this is what happened?

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:01:57 -0500

Via Charles McDonald / Your Trusted Broker for Charlottesville Real Estate (RE/MAX - www.MyCharlottesvilleAGENT.com):

Hedge Funds and the Global Economic Meltdown from Judd Bagley on Vimeo.
I thought that I understood Short Selling until I watched this video.... Now I am getting mad as it is obvious that the market was manipulated by "Naked Short Selling"!

Were you away of this? Do you know what "Naked Short Selling" is? if not I hope you will watch this short video as it is vert informative.

Best to all, Charles

Money may not Grow on Trees, but Outdoor Living Spaces Sure Can Make Your Home's Value Bloom!

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:01:22 -0500

Via Christine McInerney & Jennifer Halinkowski, Knoxville Real Estate (Southland GMAC Real Estate):

The housing market is amidst a revolution and some homeowners are now shying away from the high dollar interior components such as granite, expensive fixtures, and designer flooring and focusing more on expanding their outdoor living space. This upgrade not only is less expensive than adding on a traditional room, but it can also greatly enhance the curb appeal of a home and provides a continuum between the home and yard. No longer are the home and yard two separate entities as the proper outdoor living space can allow you to bring the outside in and the inside out allowing home owners to get the utmost enjoyment out of their homes and land.

Porches have been a long favorite, especially of Southern design. Perhaps the most impressive is the wrap-around porch- while the design is simplest, the functionally, elegance, and curb appeal is second to none. A classic example can be seen in this home shown below http://www.5909braelinn.com/ currently listed for $244,875 in Fountain City, a sub-area of Knoxville, TN, located just 10 minutes from downtown Knoxville but appears to be just out of the book "Gone with the Wind".

Screened in porches are also another great way to enjoy the great outdoors with the annoying interference of our 6 and 8 legged friends (or in the case of some, foes).

Outdoor Living Space does not have to be a physical structure, perhaps it is a relaxing and majestic hide-away perfect for reading a good book, or writing poems in a relaxing Zen-like rose garden like this listing of mine at www.12115CouchMill.com for $739,875 (includes 6 acres (horses allowed) and an appointed home).

This particular (names Grey Havens by the current owners) is designed off the Southern Living Building Plans "Porches with a flair" and boast, not one, not two, but three covered porches all surrounded by beautiful landscaping which provides ultimate privacy and beautiful landscape. See more at www.12115CouchMill.com.

So why is Outdoor Living Space Important? Well, it is no secret that outdoor living spaces look nice, but they also provide the ideal place to relax and get in touch with nature (even if it is via a semi-permeable screen) and 89% of homeowners said that the reason that they added onto a home was to have a room or place to relax. Due to the lower building costs PLUS inclusion of your entire property (not just the inside) outdoor living space have a high return of value, porches, decks, and screened in porches have been know to return profit almost dollar to dollar (85%-100% return-project dependent).

Consolidating All The New "Green" Grant & Rebate Programs

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:01:00 -0500

Via Stephanie Feinzilberg (Remax Services):

I don't know if anyone else feels the same as me, but I'm having a hard time keeping up with all the new information for home-buyers regarding Green Grants & Rebate Programs.

I know things vary from state to state, but which ones are universal?

I know there is a rebate for going all solar, as well as tank-less water heaters.

Does anyone know about what types of rebates are offered when you buy energy efficient appliances?

What about impact resistant, energy efficient windows and doors?

If everyone can share the information they have, I will put up another blog post consolidating it into one place.

Thanks to everyone in this Green Forum!!!!

LOWBALL OFFERS...

Isaac E. Chavez (Las Cruces Association of REALTORS) — Wed, 18 Mar 2009 15:00:28 -0500

Via Ken Tracy Realtor Naperville Illinois Real Estate (Keller Williams Naperville):

Can an offer be so low that it is offensive?

I received an offer on one of my listings last night. A real nice two bedroom condo near Naperville's train station and downtown.

The condo is beautiful. It shows great. We've only been on the market 19 days...

Anyway, we received the offer last night. They bid $200k. We are asking $325K...

I must say I was surprised. In my three years as an agent, I haven't had an offer near this low.

Does this seem odd?

It seems strange to me...

We will sell this home. But not for 62% of our asking price after only 19 days on the market.

I guess this may be a starting point. But even if we split the difference...

So, what do you think?

How low is too low?

Ken

A Realtor you can trust.

Isaac's Blog on Las Cruces, NM & Green Real Estate Issues

SURVEY -- HVCC (Home Valuation Code of Conduct) SURVEY . . . MAKE YOUR VOICE HEARD ON THIS IMPORTANT ISSUE!!

Benefits of Rammed Earth

Adobe Building Technique

Home Repair Tips on The Housing Guru

The Housing Market Will Come Back Just Like The Stock Market

Full Time, Full Service Realtor...A thing of the past?

Solar Photovoltaic Power Systems - How Much Do They Cost?

Solar Photovoltaic Power for Your Home

How Much Does a PV System Cost?

Federal and State Tax Credits

What Size Photovoltaic System Will You Need?

What About Selling Your Solar Power?

Other Cost Breaks for PV Systems

More questions?

Infill Development vs Gentrification

Some more tips for Earth-Friendly Spring Cleaning

Green Vs. Potential Border Profits

Real Estate IS The Key For A Sustainable Economy

Build Your Own Rain Barrel

With 100s of Homes on the Market in Your Area; How Does Your Home Compete?

Be Skeptical About Anyone Asking for Advance Fees to be Paid For Private Loan Modification Services

Rates in the 4's w/no points??

And you thought our real estate market was scary.....

"Green Eggs and Home" ... Who knew Dr. Seuss was so Eco-Friendly ?

Dr Seuss's "Green Eggs and Ham" was a story of a character who tried to convince a non-believer that there was a better product out there ...
... "Green Eggs".

So in closing, I think our old friend Dr. Seuss deserves a little more credit than just for writing endearing childrens books - in my eyes, he should be heralded as one of the first pioneers of a "Greener Way Of Life" !!

Bravo Mr. Seuss ! ... you were years ahead of your time ! ... and I'll eat your "Green Eggs & Ham" any day of the week !!

And remember - "Going Green" is not just for St.Patrick's Day
Make it part of your everyday Life !

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

@@ UPDATE: I am honored that this post was just selected as the winner of the "3rd Annual GREEN IS RED HOT" contest !

There were so many great entries with excellent Energy Saving tips - click this link to read some of the others too !!! "2009 GREEN IS RED HOT ENTRIES !"

No Time To Waste On Short Sales; Buy Something You Can Close in 30 Days!

Banks still don`t "GET IT" in regards to Foreclosures!

Get READY for another ROUND of Foreclosures - Market's STILL adjusting itself

Remember When Folks Had a Relationship With Their Home?

"Naked Short Selling" did you realize this is what happened?

Money may not Grow on Trees, but Outdoor Living Spaces Sure Can Make Your Home's Value Bloom!

Consolidating All The New "Green" Grant & Rebate Programs

LOWBALL OFFERS...

Isaac's Blog on Las Cruces, NM & Green Real Estate Issues

SURVEY -- HVCC (Home Valuation Code of Conduct) SURVEY . . . MAKE YOUR VOICE HEARD ON THIS IMPORTANT ISSUE!!

Benefits of Rammed Earth

Adobe Building Technique

Home Repair Tips on The Housing Guru

The Housing Market Will Come Back Just Like The Stock Market

Full Time, Full Service Realtor...A thing of the past?

Solar Photovoltaic Power Systems - How Much Do They Cost?

Solar Photovoltaic Power for Your Home

How Much Does a PV System Cost?

Federal and State Tax Credits

What Size Photovoltaic System Will You Need?

What About Selling Your Solar Power?

Other Cost Breaks for PV Systems

More questions?

Infill Development vs Gentrification

Some more tips for Earth-Friendly Spring Cleaning

Green Vs. Potential Border Profits

Real Estate IS The Key For A Sustainable Economy

Build Your Own Rain Barrel

With 100s of Homes on the Market in Your Area; How Does Your Home Compete?

Be Skeptical About Anyone Asking for Advance Fees to be Paid For Private Loan Modification Services

Rates in the 4's w/no points??

And you thought our real estate market was scary.....

"Green Eggs and Home" ... Who knew Dr. Seuss was so Eco-Friendly ?

Dr Seuss's "Green Eggs and Ham" was a story of a character who tried to convince a non-believer that there was a better product out there ...... "Green Eggs".

So in closing, I think our old friend Dr. Seuss deserves a little more credit than just for writing endearing childrens books - in my eyes, he should be heralded as one of the first pioneers of a "Greener Way Of Life" !!

Bravo Mr. Seuss ! ... you were years ahead of your time ! ... and I'll eat your "Green Eggs & Ham" any day of the week !!

And remember - "Going Green" is not just for St.Patrick's DayMake it part of your everyday Life !

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

@@ UPDATE: I am honored that this post was just selected as the winner of the "3rd Annual GREEN IS RED HOT" contest !There were so many great entries with excellent Energy Saving tips - click this link to read some of the others too !!! "2009 GREEN IS RED HOT ENTRIES !"

No Time To Waste On Short Sales; Buy Something You Can Close in 30 Days!

Banks still don`t "GET IT" in regards to Foreclosures!

Get READY for another ROUND of Foreclosures - Market's STILL adjusting itself

Remember When Folks Had a Relationship With Their Home?

"Naked Short Selling" did you realize this is what happened?

Money may not Grow on Trees, but Outdoor Living Spaces Sure Can Make Your Home's Value Bloom!

Consolidating All The New "Green" Grant & Rebate Programs

LOWBALL OFFERS...

Dr Seuss's "Green Eggs and Ham" was a story of a character who tried to convince a non-believer that there was a better product out there ...
... "Green Eggs".

And remember - "Going Green" is not just for St.Patrick's Day
Make it part of your everyday Life !

@@ UPDATE: I am honored that this post was just selected as the winner of the "3rd Annual GREEN IS RED HOT" contest !

There were so many great entries with excellent Energy Saving tips - click this link to read some of the others too !!! "2009 GREEN IS RED HOT ENTRIES !"