Could You Do It? Would You Run Away To Live In The Maine Woods...For Good? - 02/28/09 09:30 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
You try to stay cheerful, hopeful, grateful, content.  But where you live now, there is a hustle bustle and an anger or folks pushing, racing, hurrying. It all creates an anxiety, an unsettling feeling that makes you want to bolt, to be where you are not bothering anyone or in somebody's else way.  You want to be far enough from people for at least some periods so you can spend some time with yourself. To get to know what you enjoy that you need to look into more … (0 comments)

Hub Pages..Have You Set Yours Up Yet? What's Cooking Where You Live? - 02/28/09 09:30 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
With 175 million users of Facebook, with an explosion of  1.5 million new blogs a day, it is time to make sure you are up to speed on line with utilization of all the options available. Hub Pages is one of those we are utilitizing for our corner of Maine.  You have a beautiful area to post images about right? You do community videos you can spotlight too right? Think of it as setting up broadcast transmitters..the more avenues your tap into, the more exposure and frequency of … (0 comments)

Tomato, Pepper Plants Growing On The Sun Porch Window Ledge...Spring's Coming! - 02/28/09 09:30 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
    I grew up on a farm, and I remember our own family garden.  Peat moss pots with seedlings started early on the glass sun porches to get a jump on the season were part of growing up.  Dad also built a greenhouse too and as a little boy I remember how hot it was stepping in but how remarkably fast the plants on the trays shot shoots skyward.  Tomato varieties called "beef steak", green peppers all potted to start early for transplanting into the orange brown rich … (0 comments)

GET OUT OF BED AND GO TO WORK IN THE MORNING, EVEN IF IT'S JUST DOWN THE HALL. - 02/28/09 09:27 AM

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:
John MacArthur, a gentleman and a scholar, who uses grace and finesse to inspire agents in the office he manages, inspired me to render a bit of HARD CORE REAL ESTATE ADVICE. 
GET BUSY.  Do a business plan where you determine your market and your resources and and and work it hard.  If the market changes, be nimble and ready to change focus with the market. 
THINK ABOUT YOUR BUSINESS EVERY DAY.  Remember that being a real estate salesperson is a full time job and get up in the morning and go to work, even … (0 comments)

Getting Low On Ammo. How Accurate Is Uncle Sam's Aim...Shooting Our Way Out Of A Recession? - 02/27/09 03:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
    Conserving resouces, watching our "ammunition", controlling our spending. Two trillion dollars of new debt borrowed at three percent could boil down to 165 million dollars of new national red ink in interest only payments each and every day. Isn't too much personal debt, failed government policies, and borrowing more and more digging a larger national hole to slide into?  If the US can not borrow the money and starts cranking up the printing presses to cover the growing debt aren't we adding new holes to the ship … (0 comments)

140 Characters To Inspire, Enlighten, Amuse, Aggitate, Pacify, Motivate Readers..Twitter. - 02/27/09 03:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
You have a short line of text...much like you lay down and send off on a cell phone. Say what you want in a short blurp of copy.  Twitter...that's the concept but with you tinyurl's beckoning to come this way and I'll tell you or show you more.  Less is more.  Not writing novels, not going off on rabbit trails. Just nail it, boil it down to one thought...kinda like writing a greeting card..maybe that is what the originators of Twitter did before this innovation. It's like a … (0 comments)

Does Size Matter And Is Bigger Always Better? - 02/27/09 03:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
     Henry Ford could not make a car to sell for $300 a copy by hammering them out one at a time. Creating side companies to feed the mother operation with parts and components for the tin lizzie sprung up to feed the efficient assembly line of horseless carriages.  But in some businesses, smaller is better. The Coffee Pot in Bangor Maine is a case in point. Run for decades by a very industrious German man adorned in his white apron and greeting customers in a one on … (0 comments)

Monday...Learned How To Make The Mornings Start Smooth, Day Run Better! - 02/27/09 03:27 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
     After being in business 30 years and surviving the fun times of the early 1980's economic challenge and a few more since then, one trick for Monday mornings that works has made life a lot easier. I have found that folks over the weekend sometimes decide to list or buy their home, land, farm, whatever on a Sunday when most Northern Maine businesses are closed for family time. But come Monday morning, they all trot into the office or call wanting to get the operation underway first … (0 comments)

Largest Snow Storm Of The Year For Maine..Behind Us! - 02/27/09 03:27 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
    Lots of white fluffy snow for skiing, snowsledding and yes, shoveling off roofs and plowing yards.     Yesterday was stormy and school got canceled. 26 inches of snow Orient..in the Grand Lake region. Some power outages in Southern Maine. Today is crystal clear, crisp air and everyone dug out and moving forward with a Maine winter.  Another little package from Jack Frost's snow installment maybe before the week is out. But would you rather go from air conditioned space to refrigerated space in a hot hot place or … (0 comments)

Community Videos For Houlton And Presque Isle Maine..Two Birds, One Stone. - 02/27/09 03:26 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
Real estate brokers sell homes, vacant land, lake camps, mom and pop businesses and everything in between.  But images and videos of just property doesn't really show you the people in the area the real estate originates. Thats where community videos come in. Captured this Maine quarter finals Class "B" hockey game last night between the Houlton Hodgdon Maine Blackhawks and the Presque Isle Maine Wildcats. The teams worked hard but you also see the fans, hear the band playing, and if done right, you put the viewer … (0 comments)

Sometimes Bigger Is Not Better..That Size Doesn't Matter. - 02/27/09 03:26 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
    Years ago building a car one at a time was too costly if you wanted to sell them for $300 a copy. Streamlining the assembly line, having your own steel foundry and making even the parts for the tin lizzie became part of the production recipe for the horseless carriage. But in small town real estate, when a business expands too quickly or just adds on period, the momemtum and special charm or mystique of that business can change.  Example, in Bangor Maine there is a place called The Coffee Pot.  … (0 comments)

"Mr. Seller...."(Crowd Claps, Screams) Bob Says "Sit Back Down, Your Price Is...Wrong!" - 02/27/09 03:26 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
You've decide you want to sell and are ready to see the sign planted in the front yard to tell the world.  Do a little cleaning, a few loose end simple jobs and wait for a buyer..nothing to it.  Mr. Seller, you need to start with why are you selling, where are you going, and seriously what does a professional full time real estate broker say the market value of the place is?  If you ignore proper pricing in tune with the market, no matter how much advertising … (0 comments)

The Numbers For Maine Housing Sales For January 2009 - 02/27/09 03:24 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
The Numbers For "Vacationland" Are Out. Here's The Newsletter From the Maine Association Of Realtors. MAINE HOME SALES DECLINE 17.58 PERCENT IN JANUARY SOUTH PORTLAND (February 25, 2009)-According to the Maine Real Estate Information System, Inc., Realtors sold 87 fewer homes last month than in January 2008, a 17.58 percent decline from January 2007. The statewide median sales price for an existing, single family home was $152,250 in January, a decrease of 17.7 percent from one year ago. The median sales price indicates that half of the homes … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 8 - 02/27/09 03:23 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Part 8 in a continuing series... Because the price of buying a home has hit near bottom, real estate prices too will rise.
Five years from now, homes will be worth more than they are today and mortgage lending rates most likely will be higher also.Do you want to make sure your family is protected from the coming inflation? Even better, don't you want to take advantage of it? The best way is by buying a home.
Here is my prediction. There will never be a better … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 7 - 02/27/09 03:23 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):

Part 7 in a continuing series... Here is my prediction for buying a house.
Here in lies a big mistake that actually could easily be made.  Thinking short term.Renting versus buying a home seems like a better deal right now. But if you want to protect yourself and your family from the effects of inflation, you want to start thinking long term instead.This is the point.
Even if the rate of inflation remains fairly tame, rents are still going to rise. In addition the low … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 6 - 02/27/09 03:23 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house. Part 6 in a continuing series...
Inflation means that the cost of items we enjoy and need every day will become more expensive. For example the price of renting a house is never getting cheaper.  So how do we protect ourselves from what is inevitable? One way is by buying a home.Right now renting may seem cheaper than buying a home but over time rents are going to increase partly because of demand and partly because the dollar is … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 5 - 02/27/09 03:23 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house.  Five years from now, homes will be worth more than they are today and daily mortgage rates will rise. During our lifetime, there will never be a better opportunity than now for home buying and securing affordable mortgage lending rates.
Part 5 in a continuing series... Where is the money for economic recovery coming from?
Money for the stimulus package comes from you and me in different ways. The federal government has to borrow the money from its citizens … (0 comments)

Having Guts Is All About Perspective [Stimulus Package A Vote For Inflation] A Sidebar - 02/27/09 03:23 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Having guts is all about perspective. Over 30 years ago with 4 very small daughters, my husband Steve and I launched into a full time real estate career. You might remember mortgage rates were as high as 18%.Steve's first 30 days awarded him Realtor of the Month being the only agent lucky enough to sell even one house. To survive living on commission when banks were offering mortgage rates up to 18%, Steve figured out the hang of seller financing which eventually led us into mortgage lending. … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 4 - 02/27/09 03:22 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house. Five years from now, homes will be worth more than they are today and daily mortgage rates will rise. During our lifetime, there will never be a better opportunity than now for home buying and securing affordable mortgage lending rates. Part 4 in a continuing series...Congress and the President are spending trillions of dollars to stimulate the economy out of recession. The goal of the stimulus bill is to ward off a depression. Many Americans are asking this question. … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 3 - 02/27/09 03:22 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house. Five years from now, homes will be worth more than they are today and daily mortgage rates will rise. During our lifetime, there will never be a better opportunity than now for home buying and securing affordable mortgage lending rates. Part 3 in a continuing series...That was 1982. He was both right and wrong. [Why was he was right? See Part 1&2]But he was also wrong. Are you wondering why?He was wrong because this current economic crisis has created … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 2 - 02/27/09 03:22 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house. Five years from now, homes will be worth more than they are today and daily mortgage rates will rise. During our lifetime, there will never be a better opportunity than now for home buying and securing affordable mortgage lending rates. Part 2 in a continuing series...It was 1982 when my friend gave me that advice. Sure he was desperate, just as I thought. And it also turns out my friend was both right and wrong.He was right because the … (0 comments)

Stimulus Package A Vote For Inflation [Take Advantage Of Buying A House] Part 1 - 02/27/09 03:22 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Here is my prediction for buying a house.  Five years from now, homes will be worth more than they are today and daily mortgage rates will be higher also. During our lifetime, there will never be a better opportunity than now for buying a home and securing such low mortgage lending rates.
Part 1 in a continuing series..."Don't wait on buying a house because there will never be a better time in your life than right now," said my friend who happened to be a real … (0 comments)

EUREKA! I THINK I'VE GOT IT. THE BANKS ARE TRYING TO STARVE US OUT! - 02/27/09 03:20 PM

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:
Inspired by Donna Rattee"ARE THE BANKS REALLY WORKING WITH YOU" it suddenly occured to me that the answer is a resounding . . . . . .
NO!   NO!   NO!
WHO CAN EXPLAIN THE INEXPLICABLE? 
Banks reject offers for foreclosures and then sell the property months later for much less money. Banks ignore communications about short sales until the buyer just finds another home to buy. Banks interfere with broker sales commissions and drive agents out of the short sale market. Banks interfere with the buyer's right to select … (0 comments)

MUST READ FOR ALL AGENTS THAT SELL SHORT SALES - KEEP THIS FANNIE MAE SERVICING GUIDE IN YOUR FILES AND ON THE WALL OF YOUR OFFICE. - 02/27/09 03:19 PM

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:
                                         * * * *  HARD CORE REAL ESTATE INFORMATION * * * *
THIS SERVICING GUIDE FROM FANNIE MAE CONFIRMS WHAT COUNSEL TO THE NORTHERN VIRGINIA ASSOCIATION OF REALTORS HAS ADVISED FOR MONTHS. . . . . .  BANKS FOR SHORT SALE OWNERS MAY NOT LOWER YOUR COMMISSION.  IF THE LENDER CONDITIONS APPROVAL OF A SHORT SALE ON A REDUCTION OF THE CO-OP OFFERED IN THE MLS, it violated Fannie Mae Guidelines.   
                                     ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
DATE: Wednesday, February 25, 2009.
No Negotiation of Preforeclosure Sales CommissionServicing Guide, Part VII, Section 504.02: Contacting Selected BorrowersEffective March 1, 2009, … (0 comments)

NORTHERN TRUST, YOUR TAX DOLLARS AT WORK - 02/24/09 02:38 PM
NORTHERN TRUST, YOUR TAX DOLLARS AT WORK
 
http://www.sacramentograpevine.com/blog/view/id_104/
… (0 comments)

The answer to California Budget woes - 02/22/09 02:08 PM
The answer to California Budget woes
http://www.sacramentograpevine.com/blog/view/id_102/title_the-separation-of-church-&-state/
… (0 comments)

THE COST TO AMERICANS FOR ILLEGAL IMMIGRATION - 02/22/09 11:03 AM
Wow i never thought of some of these costs.
 
http://www.sacramentograpevine.com/blog/view/id_100/title_the-cost-to-americans-for-illegal-immigration/
… (0 comments)

1 day, 20 thing to cure the American Economy - 02/20/09 09:03 AM
Great Blog written by a member
 
http://www.sacramentograpevine.com/blog/view/id_48/title_bring-america-back/
… (0 comments)

Have a Facebook Account?, see the new TOS - 02/16/09 09:45 AM
"You hereby grant Facebook an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to (a) use, copy, publish, stream, store, retain, publicly perform or display, transmit, scan, reformat, modify, edit, frame, translate, excerpt, adapt, create derivative works and distribute (through multiple tiers), any User Content you (i) Post on or in connection with the Facebook Service or the promotion thereof subject only to your privacy settings or (ii) enable a user to Post, including by offering a Share Link on your website and (b) to use your name, likeness and image for any purpose, including commercial … (1 comments)

When was the last time you practiced your emergency exit? - 02/16/09 07:33 AM

Via Russel Ray, San Diego home inspector (Russel Ray, Property Consultant):

Ever get invaded by ants? Invariably they find something sweet on the kitchen counter or in a cabinet, and it's always first thing in the morning. In just a few short hours, from the time you went to bed to the time you got up, they invaded.
They seem to know how to get in and when you've turned the lights off and gone to bed. Too bad they don't know what a bedside alarm sounds like so they could scurry away before you found them in your beautiful … (0 comments)

Seller disclosure: "This outlet has problems sometimes...." - 02/16/09 07:33 AM

Via Russel Ray, San Diego home inspector (Russel Ray, Property Consultant):

It's rare that I ever see a Seller's Transfer Disclosure Statement (TDS), but that has happened twice in the past few days.
My wise old grandmother said that things always happen in groups of three.
Any odds on when the third time will happen?
The one I looked at this morning had this to say:
"There's a floor outlet in the dining room that has problems sometimes."
Anything electrical will always get my attention real fast.
The house in question was a 1912 Craftsman house that had been renovated … (0 comments)

Seller disclosure: "The siding tends to burn...." - 02/16/09 07:32 AM

Via Russel Ray, San Diego home inspector (Russel Ray, Property Consultant):

The Realtors who refer me exclusively know that they don't need to show me the Seller's transfer disclosure statement (TDS), typically for two reasons.
First, there rarely is anything on them except a bunch of boxes that have been checked in the"I don't know" column.
Second, if there is something so significant that the Sellers know about it, "Don't worry. Russel will find it."
Occasionally, though, I'll be working with a Buyer who found me on the Internet and will email me disclosure documents before the inspection. Such happened … (0 comments)

HOW TO REVERSE THE REAL ESTATE "BUYERS' MARKET" AND CREATE DEMAND FOR HOMES. Agents have the MOJO! - 02/16/09 07:31 AM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
BUYERS WILL NOT GET OFF THE FENCE! BUYERS WILL NOT PULL THE TRIGGER! BUYERS ARE SO SKITTISH! BUYERS ARE NOT MAKING REALISTIC OFFERS! How often do we read or hear all of the above day after day?  The only folks who will really predict the end of the real estate industry recession or depression, depending on your location, is the NAR or some agents who believe that if they think good thoughts reality will follow. 

YES, we, REAL ESTATE AGENTS, can force a reversal of the buyers market in many communities across the … (0 comments)

STIMULUS BILL - OVERSIGHT - Subtitle: CONSOLIDATION OF POWER BILL - 02/16/09 07:31 AM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
. . . . .  Continued from, STIMULUS BILL - PARTIAL TEXT - SUBTITLE: QUICK PAYOFFS AND SLUSH FUNDS and a CONSOLIDATION OF POWER.
                                                      ~~~~~~~~~~~~~~~~~~~~~~~~~
THIS BOARD, RESPONSIBLE FOR ACCOUNTIBILITY and TRANSPARENCY of the expenditure of about $790,000,000,000 will be performed by a board consisting of seven (7) persons, all appointed by the President. 
I love Section 1229 which establishes an "independent advisory panel" consisting of five members, ALL APPOINTED BY THE PRESIDENT.   This advisory panel will expire after 90% of the funds have been spent.  That leaves only about ONE BILLION … (0 comments)

STIMULUS BILL - PARTIAL TEXT - SUBTITLE: QUICK PAYOFFS AND SLUSH FUNDS and a CONSOLIDATION OF POWER. - 02/16/09 07:31 AM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
YES, I HAVE READ THE DANG THING!
YES, I HAVE READ THE DANG THING!
YES, I HAVE READ THE DANG THING!
Several comments to my post of yesterday, Feb. 12, 2009, questioning our authority to comment about a bill that we have not read. 
NEWS FLASH:  I HAVE READ IT and any comments I have made are based on the content of the Bill, not conjecture.  Anyone who wishes to read the text of the bill can easily read the "THOMAS" copy on the U.S. Senate web site.   Search for: STIMULUS. 
When I wrote that the bill … (0 comments)

Here's A Novel Approach..What About Only 25% Stimulus Spending / 75% Tax Cut / Smarter Spending? - 02/16/09 07:30 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
     In your own household when money gets tight, do you automatically decide you need to make more money to keep your head above water, assuming there is a better job out there to jump to? Or do you start looking with an eagle eye at your spending patterns/habits and start cutting back? Do you look at what got you into this mess in the first place?
     The easiest way to make money is to cut spending, reduce overhead.  Lower taxes, less restrictive government means the … (0 comments)

Real Estate Brokers Make Videos To Sell Property & Showcase Local Area. - 02/16/09 07:29 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
     There is no better way to give someone on line eight states away a glimpse of the area you list, market and sell real estate in then a local video.  You do narrated property videos, but also weave in "captures" of your community events too right?
Rather than just see empty homes, show prospects people at local fourth of july celebrations, coverage of local businesses, recreational options, financing institution where you live.  But also cover schools and sports because a buyer is considering your area and … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 7 - 02/16/09 07:29 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 7 in a continuing series...You can also ask your real estate agent how to accommodate a price adjustment if necessary. An inspection clause in your offer can also specify that the seller fix any repairs before close.Don't end up like Jim and Meg. Because Dad wasn't equipped to properly inspect the house and wasn't systematic in his approach, he missed a problem with the electrical panel … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 6 - 02/16/09 07:29 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 6 in a continuing series...When you find a house you are serious about buying, request that your real estate agent show you how to write up the offer subject to inspection.
That way there is an acceptable exit if a home inspection unveils any major problems.You can also ask your real estate agent how to accommodate a price adjustment if necessary.
An inspection clause...  Don't miss … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 5 - 02/16/09 07:29 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 5 in a continuing series...In contrast to a real estate appraiser, a home inspector zeroes in on safety and soundness aspects of your new home. A home inspection will determine if the structure, construction, and mechanical systems are safe as well as working correctly. In addition, your professional home inspector will point out immediate and pending repairs with the associated estimate of cost.Here is where real … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 4 - 02/16/09 07:29 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 4 in a continuing series...
According to Barron's Dictionary Of Real Estate Terms a house appraisal is an estimate or opinion of the value of a property. Appraisers can use 3 methods to estimate the value of real estate, the cost approach, the income approach, and the market comparison approach.
When buying a house for your personal residence, an appraiser normally uses a market comparison by … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 3 - 02/16/09 07:28 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 3 in a continuing series...Here is a mistake home buyers often make. They get confused over the purpose of a home inspection.A lot of people wonder if they pay for an appraisal why would they also need a home inspection. The answer is simple really.According to Barron's Dictionary Of Real Estate Terms a house appraisal is an estimate or opinion of the value of a property. … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 2 - 02/16/09 07:28 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Why should you pay for home inspection? After all Dad knows pretty much everything there is to know about houses. Part 2 in a continuing series...[In order to protect their privacy I am going to call this couple Jim and Meg.]  As I was saying, Jim and Meg recently bought a house and thought they could save some money by asking Meg's dad to look the house over before they closed on the purchase of their new home.Meg's dad worked in construction all his life. He knew … (0 comments)

My Dad Can Do The Home Inspection When I Buy A House [he knows everything about houses] Part 1 - 02/16/09 07:28 AM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Should you pay for home inspection? Recently I read about a couple buying their first home. When they made their offer they decided against making it conditioned on hiring a home inspector even though their real estate agent advised them otherwise.They thought they could save a few hundred dollars normally charged for a home inspection. They were on a tight budget like most first time buyers. So they asked their dad to inspect the house. After all Dad knew pretty much everything there was to know about … (0 comments)

I had no idea! - 02/14/09 01:28 PM

Via Gene Ward (Area Pro Realty NorCal):
Just discovered some interesting information about a group of people that work for you.
Read to the bottom, you'll be surprised by the answer.
500+ employees
29 have been accused of spousal abuse.
7 have been arrested for fraud.
19 have bounced checks.
117 have bank rupted at least 2 companies.
3 have done time for assault.
71 cannot get a master card or visa because their credit is so bad.
14 were arrested for drug charges.
8 have been arrested for shop lifting.
21 are currently defendents in lawsuits.
84 were arrested in the last year for drunk … (1 comments)

Bank of America Paying Bonuses to its Employees - 02/13/09 01:23 PM
Bank of America takes taxpayer money then Bank of America Paying Bonuses to its Employees
 
 
http://www.sacramentograpevine.com/blog/view/id_90/title_bank-of-america-paying-bonuses-to-its-employees/
… (0 comments)

THEY'RE ALL WRONG, WRONG, WRONG. The American Citizen Is Not Fooled by the "Feel Good" Sound Bites. - 02/12/09 02:44 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
What is it about the members of the media, the House of Representatives, the Senate and the Office of the President that makes them believe that the American public still believes in smoke and morrors?
     They continue to claim that "it (the economy) is all about "confidence".
     They say that the American consumer needs a "signal" that the future will improve.
     One Senator claimed yesterday that the American public doesn't care about "little pork" in the stimulus bill.
     We're heard the word "change" ad nauseam for two years.
     Congress believes … (0 comments)

CONGRESSIONAL STIMULOUS BILL RECONCILED AND PASSED. - 02/12/09 02:44 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
Details are still dribbling in but of interest to ActiveRain members - - -
THE $39,000,000,000 in the original bill for tax credits for home buyers has been trimmed to about $9,000,000,000.
The individual tax credit or rebate? is reduced from $500 to $400.  The tax credit or rebate? for a couple is reduced from $1,000 to $800.
More later. 
… (0 comments)

THEY DON'T KNOW WHAT THEY DON'T KNOW! THE CONSUMER, THAT IS! - 02/12/09 02:44 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
I LOVE INMAN. 
I receive a twice daily news report from Inman and I often wonder how these guys and gals manage to get their eyes and ears in as many critical locations as they must to stay on top of the real REAL ESTATE NEWS.
A headline got my attention today because it's a subject that I have been talking, writing, and yes, harping about for months and months, negative equity. 
"Homeowners no longer denying lost equity"
"Although more than half of those surveyed in Zillow.com's Q4 Homeowner Confidence Survey believe their own … (0 comments)

Your tax dollars hard at work - 02/12/09 08:44 AM
The tax dollars of every hard working American........
 
This is 2 examples of shameful,  wasteful and stupid spending of our LIMITED resources.
 
http://www.sacramentograpevine.com/blog/view/id_87/
 
http://www.sacramentograpevine.com/blog/view/id_86/title_wasting-of-taxpayer's-money/
 
 
… (0 comments)

Free Software - 02/12/09 06:50 AM
Do you need Microsoft Office but have NO Money ???
Sun Microsystems has released their Open Source version.
Open Office contains a Word Processor, Spread Sheet,  Database, & Presentation maker.
You may down load your FREE copy both in the PC & Mac versions.
 
http://www.sacramentograpevine.com/blog/view/id_85/
… (0 comments)

Outrage at how our tax dollars are being spent - 02/10/09 08:49 AM
I work at a regular job plus running my business.
I pay my taxes.
I purchase my own health insurance.
However I am outraged that my State and Federal Taxes are being spent this way.
http://www.sacramentograpevine.com/blog/view/id_83/
… (0 comments)

COPYRIGHT RAMBLINGS BY REQUEST. Subtitle, WRITE THE DAMN THING YOURSELF! - 02/09/09 05:54 AM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
Karen Monsour requested that I respond to her post Is this (Copyright© 2009 Karen L. Monsour, All Rights Reserved.) necessary at the end of my AR blog?
SO. . . . . .  I'm no expert and don't give legal advice.  GO TO THE SOURCE OF ALL INFORMATION ABOUT COPYRIGHT, the copyright office advises:
                                                                          *  *  *  *  *
What Works Are Protected?

Copyright protects "original works of authorship" that are fixed in a tangible form of expression.
1 literary works
2 musical works, including any accompanying words
3 dramatic works, … (0 comments)

How a Crooked "Flipper" Made $275,000 in One Day - 02/09/09 05:30 AM
A must read.
 
http://www.sacramentograpevine.com/blog/view/id_78/
… (1 comments)

Connecticut Pharmacies provide free Antibiotics - 02/08/09 05:53 PM
Please see the link below for the names of the Pharmacies.
 
 
http://www.sacramentograpevine.com/blog/view/id_76/title_connecticut-pharmacies-provide-free-antibiotics/
… (0 comments)

Welcome CORE Property Management to SacramentoGrapevine - 02/08/09 09:19 AM
SacramentoGrapevine.com welcomes CORR Property Management of Sacramento, Ca as a member.
CORE Property Management is a full service Property Management Company serving Sacramento and Placer Counties.
CORE Property Management has received business from their listings at SacramentoGrapevine.com 
 
http://www.sacramentograpevine.com/directory/browse/listing_12/title_core-property-management/
… (0 comments)

Welcome to our newest member - 02/08/09 07:58 AM
www.SacramentoGrapevine.com welcomes our newest member olalaonline
http://www.sacramentograpevine.com/blog/view/id_75/title_fashion-designer-handbag-jewelry-belts-and/
olalaonline sells fashion accessories and handbags.
… (0 comments)

30,000 Kaiser Medical Employees exposed to - 02/08/09 07:49 AM
30,000 Kaiser Medical Employees exposed to ID thief in yet the latest data breach.
 
Read the full story bolow.
 
http://www.sacramentograpevine.com/blog/view/id_77/title_kaiser-permanente-data-breach/
… (0 comments)

"The Moose Is Loose!" Maine Winter Fun In Houlton Maine Feb 6-8! Read All About It! - 02/05/09 06:43 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
The Images Show You The Fun.  Imagine Hundreds Of Kids Sliding, Laughing, Competing In Different Age Groups For Prizes. Horse Drawn Sleigh Rides! Suppers, Gut Busting Breakfasts, Free Movies At The Temple Theatre, Free Skating, Hockey Games, Bon Fires..Sliding On Derby Hill, Wild Winter Foot Race, Snowsled Parade Thru Houlton..Okay..You Get The Idea That Being In Houlton Maine This Weekend Is Important! Have Soe Fun And Celebrate Winter This Weekend And Every First Weekend In Houlton Maine Because "The Moose Is Loose!"
Maine REALTOR Andrew Mooers - Promoting Houlton … (0 comments)

HOW MUCH WILL CONGRESS ADD TO STIMULOUS PACKAGE TO STUDY THE LAGUARDIA GOOSE PROBLEM? - 02/05/09 04:28 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
"IT'S A BIRD".
"IT'S A PLANE".
"NO, IT'S SUPERGOOSE".
IF YOU GUESSED CANADIAN GEESE, YOU ARE PROBABLY RIGHT.
AIRBUS DOWNED AT NY LAGUARIA AIRPORT, DITCHES IN HUDSON RIVER.
Never one to ignore an opportunity to spend the U.S. tax payer's money, Congress was gifted with a golden goose of an opportunity recently when a gaggle of Canadian Geese got in the way of the flight path of a U.S. Airways Airbus, causing the plane carrying about 73 passengers to ditch in the Hudson River.
"A 12-pound Canada goose striking an aircraft going 150 mph … (1 comments)

Your Ears Perk Up When Buyer Or Seller Says..." That Country 22 Broker Is A Jerk". - 02/05/09 04:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
Let's face it, there are professionals and duds in any profession.  But when a buyer or seller wanders into our Houlton Maine office, and says "so and so is a jerk, and lousy and not professional, etc" my ears perk up and I think "oh oh".  Everyone but serial killers are well intentioned deep down.  But some folks in the public we deal with are hard or impossible to please.  And often they think running down the competition is something you will agree with and enjoy. I don't.  … (0 comments)

You're a REALTOR...Which Means Just List And Sell Property Right? Nooooo....More Than That! - 02/05/09 04:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
As a REALTOR, in addition to listing and selling real estate you wear many, many other hats and have several other jobs.  In addition to listing/selling a home, land, farm, waterfront or business listing, you need to be active in your community working on civic projects.  Why? You make your living here, you need to be putting back into the community and contributing your energy and ideas to make the place better than it was before you.  Another job beside volunteering consistently thru your local rotary, elks, kiwanis, … (0 comments)

LENDER SHORT SALE ACCEPTANCE LETTER EXAMPLES - READ WITH CAUTION! - 02/04/09 08:16 AM

Via Richard Zaretsky, Florida Real Estate Attorney (Richard P. Zaretsky P.A. ):
What is a short sale?  When giving lectures I like to use the definition as follows:
The sale of a real estate property for a price that is less than the total amount necessary to fully satisfy the actual present encumbrance (mortgage) indebtedness on the real estate property.
Often I see a different description, one that says, The sale of real estate when the lender accepts less than its mortgage amount and forgives borrower from paying the deficiency.
Which is correct?  A look at the short sale acceptance letters lender's … (0 comments)

FHA Loan Refinance [Why Not Get Better Protection] Part 6 - 02/03/09 12:55 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Final day in a 6 part series...6. Now it is time to apply for the FHA refinance mortgage.Your lender will order your credit report and give you a checklist of documentation they require to process your FHA loan refinance.So if you are thinking about refinancing, an Federal Housing Administration mortgage may be your ticket. Buying a house? Remember to print your free home buying scorecard.Meg and Jim made a big mistake when they … (0 comments)

FHA Loan Refinance [Why Not Get Better Protection] Part 5 - 02/03/09 12:55 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Part 5 in a series...
5. Ask to be prequalified upfront.Prequalification works well for refinancing contrasted with mortgage preapproval for buying a house*. Because prequalification is informal, you don't need to provide social security numbers. This eliminates multiple credit inquiries.Getting prequalified by a lender helps to estimate the amount you will be qualified to borrow. Your loan amount will be calculated using basic factors such as income, monthly expenses, current interest rates and … (0 comments)

FHA Loan Refinance [Why Not Get Better Protection] Part 4 - 02/03/09 12:55 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Part 4 in a series...4. Shop for an FHA approved lender.
Contact several lenders. FHA loan limits can change so first of all you need to know if FHA is applicable to your mortgage situation.
Then explain your intention to refinance and that you want to explore the opportunity of an FHA insured mortgage. Not all lenders are approved by the Federal Housing Administration so ask upfront if they have approval.Compare mortgage closing … (0 comments)

How Old Is Your Toilet? - 02/03/09 12:54 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Errr... I mean how old is your house?
Here is the question I was asked today by one of my readers, "How can I tell the age of the house I am buying?"
I suggested he peek underneath the tank lid. If it is the original toilet, it is going be date stamped around the time the house was built.
I also added checking with a real estate agent, appraiser, property inspector, preliminary title report or maybe even a property profile.
Does anyone else have a favorite … (0 comments)

FHA Loan Refinance [Why Not Get Better Protection] Part 3 - 02/03/09 12:54 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Part 3 in a series...Whatever your home loan refinance goals are, knowing your primary purpose to refinance will help determine if there is an applicable FHA refinance mortgage for you.3. How much can you afford?Most people let their lender tell them what they can afford but there is a fundamental difference between affordability and qualification.Here is the definition of afford according to Merriam Webster's Online Dictionary. Afford means manage or bear without serious … (0 comments)

FHA Loan Refinance [Why Not Get Better Protection] Part 2 - 02/03/09 12:54 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Part 2 in a series...1. Do you already have an FHA home loan?If you do, there could be a few more options available to you such as an FHA streamline refinance. If you don't know, find out by asking your current mortgage servicer. Either way you can still take advantage of an FHA loan refinance.2. Why are you refinancing?Perhaps you intend to take advantage of the current interest rate environment. You may want … (0 comments)

FHA Loan Refinance [Get Better Protection] Part 1 - 02/03/09 12:53 PM

Via Kate Ford Mortgage Translator (Get Your Best Mortgage Rate & Prime Real Estate Articles):
Are you ready to refinance? An FHA loan refinance may be just the ticket. Part 1 of a series...If you are a homeowner, you have already experienced applying for a mortgage. According to FHA, refinancing with this insured mortgage is the same as applying for any other home loan but in addition qualifying standards are easier and protections better.Here are 6 practical steps the Federal Housing Administration recommends you take to determine if FHA home loans are right for you. 1. Do you already have an FHA … (0 comments)

"The Moose Is Loose!" Maine Celebration Of Winter This Weekend Feb 6-8! - 02/03/09 12:52 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
    Bonfires, arena and outside skating, ice fishing derby, a snowmobile parade thru town, free pass to movie theatre, a Moosestomper's Ball, baked bean supper, sled poker run, half dollar scramble, horse drawn sleigh rides, cross country skiing, winter games and sliding down "Derby Hill" .... Maine winters..we celebrate them, not hibernate.  The weather is predicted to be super..blue skies, crisp air and kids laughing as they scramble in the half dollar search in different age groups and play in other family fun games and events in Houlton … (0 comments)

PLEASE DON'T PUT COPYRIGHT PROTECTED CARTOONS IN COMMENTS ON MY BLOG. - 02/03/09 12:51 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
I GOT A NICE COMMENT ON ONE OF MY POSTS TODAY that included a large cartoon.
The cartoon was clearly a professionally produced and syndicated one. 
If the cartoon has been purchased for republish, there was no notice. 
If the cartoon has been purchased for any use, there was no notice.
If the cartoon was free to use, there was no notice.
There was no attribution. 
I see this on ActiveRain posts regularly and I just ignore it because it's none of my business. 
However, when it's on my blog in a comment, I … (0 comments)

A NEW DICTIONARY FOR 2009 - RAISING DOUBLESPEAK TO NEW LEVELS - JUST HOW MUCH IS A $TRILLION DOLLARS? - 02/03/09 12:51 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
THE OBAMA ADMINISTRATION IS GIVING THE AMERICAN PUBLIC MORE THAN A NEW MESSAGE AND A NEW DIRECTION FOR GOVERNMENT.  President Obama is a man of his work.  He promised CHANGE and CHANGE is being delivered.  The first thing that's being CHANGED is the dictionary meanings of words in popular use.
It would appear that the new administration, the cabinet appointees, the media and the Congress of the U.S. have gone to a new dictionary.  That new dictionary hasn't yet been published, but we can glean bits and pieces from what we hear.
It's all … (0 comments)

PRICING FOR A FUTURE MARKET?? WHAT ARE THE COSTS IN TIME AND MONEY AND LOSS TO REPUTATION? - 02/03/09 12:51 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
QUESTION:  When does a "Your home may taka a year to two to sell" become 3-5 years to sell?? 
ANSWER:  When you're in a declining market. 
For the 20 or so folks who commented on my post of Sunday, Feb. 1, indulge me while I expand on the topic. . . .
WHO SAID IT WILL TAKE ABOUT 1 YEAR TO SELL?? BAD ADVICE AND OTHER MYTHS ABOUT REAL ESTATE
That tired hackneyed phrase "Homes in this area take about 18 months to sell" has taken on new meaning these days. 
… (0 comments)

Mortgage Fraud Insider Apologizes - 02/03/09 06:47 AM
Mortgage Fraud Insider Apologizes See the 7 page rambling letter on how he bilked investors and participated in the Mortgage Meltdown.
 
http://www.sacramentograpevine.com/blog/view/id_69/title_mortgage-fraud-insider-apologizes/
… (0 comments)

You can't make up stuff better than this! - 02/02/09 07:53 AM

Via Commercial Realty Team:
Jesse Jackson has added former Chicago Democrat Congressman Mel Reynolds to Rainbow/PUSH Coalition's payroll. Reynolds was among the 176 criminals excused in President Clinton's last-minute forgiveness spree. Reynolds received a commutation of his six-and-a-half-year federal sentence for 15 convictions of wire fraud, bank fraud, and lies to the Federal ElectionCommission. He is more notorious, however, for concurrently serving five years for sleeping with an underage cam paign volunteer.

Mel Reynolds
This is a first in American politics: An ex-congressman who had sex with a subordinate...won clemency from a president who had sex with a subordinate...then was hired … (1 comments)

Spring Is Coming...Plans To Build That Energy Efficient Maine Home? - 02/01/09 04:33 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
You've had it with the old place...the one that needs so much and will nickel and dime you. Starting fresh..building new. You are thinking of buying a piece of land for your dream home.  This next place will be on one floor, practically heat it with a match..and all brand new.  So about the land it sits on...no big deal right..any old piece of land will work? All land is the same? Noooo.  Considerations..slope of land..is there a goat like climbing up the hill behind the home … (0 comments)

You Look Up At The Ceiling And See Three Brown Spots...Hey, What's Up With That? - 02/01/09 12:28 PM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
We enjoy water in Maine. Some kinds. But say you added a new roof a few years back before it leaked and now in the dead of winter, it's "raining" water inside the home.  What's up with that? In Northern climates, you have to keep snow cleared for two reasons. Weight and to avoid cave in when that two feet gets rained on and is heavy, very heavy. Second is when heat loss from the home that is not ventilated properly causes ice back up along the eaves. … (0 comments)

BUYERS AGENTS ARE NOT CREATED BY A PIECE OF PAPER. - 02/01/09 12:27 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
WHY DO HOME BUYERS NOT HAVE LOYALTY TO AN AGENT THEY'RE WORKING WITH??
HOW TO KEEP BUYERS LOYAL AND OUT OF OPEN HOUSES OR NEW HOME MODELS. 
HAVE A PLAN AND STICK TO IT.  When buyers have loyalty, which in my book is next to Godliness and surely far more important than cleanliness, they don't go out and talk to listing agents at open houses.  They call their agent, with or without an agreement, and let the buyer's agent make the contact or accompany them to the open house. 
DON'T LEAVE SERIOUS … (0 comments)

WHO SAID IT WILL TAKE ABOUT 1 YEAR TO SELL?? BAD ADVICE AND OTHER MYTHS ABOUT REAL ESTATE - 02/01/09 12:26 PM

Via Lenn Harley Homefinders.com MD & VA Real Estate:
IF A REAL ESTATE AGENT VISITED MY HOME AND ADVISED THAT IT WOULD PROBABLY TAKE A YEAR OR TWO ON THE MARKET FOR MY HOME TO SELL, I'D HAVE TO ASK THEM:
Why?  Are you pricing it high to keep it on the market for exposure?
Why?  Are you planning to advertise it in the  Siberian Express?
Why?  Are you planning on an obscure description in the MLS?
Why?  Are you planning to insist on showing the house yourself to all prospective buyers?
Why?  Don't you plan on using a key box?
Why?  Are … (0 comments)

Moving To Houlton Maine...What Are The Schools Like..What Is Available For Information? - 02/01/09 08:14 AM

Via Andrew Mooers | Northern Maine Real Estate / Aroostook County Broker (MOOERS REALTY):
Happy kids mean happy parents...relocating families want to know alot about this new area in Maine they are moving to. School information on Houlton Maine...what is there to see before arrival or when more than one area for relocation in Maine is being considered. Education options are very important if part of the move is to improve the experience by getting your kids into a smaller school with higher teacher to student ratio. In the Southern Aroostook area, there are other education options to consider too..depending on the town … (0 comments)

Internet Marketing 101 - 02/01/09 05:15 AM
Internet Marketing 101

 
 
 
The question is, where do you advertise? As we have seen, NOW, during recession, is an excellent
 
 
time to advertise and would give a strategic advantage to your company down the
 
 
road as well as now. Let’s look at the real estate market just as an example. The latest surveys
 
 
show that 90% of buyers use the internet to search for a home. Therefore it would follow
 
 
that 90% of your marketing budget should be on-line...while only 10% should be print.
 
 
Now lets keep … (0 comments)

 
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Roseville, CA

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