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Identity Theft Protection - Freeze Credit Report - 12/31/06 10:37 PM
According to a January 2006 Javelin Strategy and Research report there were over 8.9 million adult identity theft victims in 2006. The total amount of fraud was a whopping $56.6 billion dollars. The average victim lost $6383. Ten states have made great efforts to protect the identity theft victims and potential victims. California, Texas, Louisiana, Vermont, Washington, Nevada, Connecticut, Illinois, Maine, and Colorado have allowed consumers to freeze their credit report. Freezing your credit report will stop anyone from opening credit with your name. This means your lenders, insurers or employers can not get access to your information either. The three (1 comments)
Farnham Subdivision 2006 Sales (Wheaton, Illinois) - 12/30/06 10:33 PM
Farnham is located in the heart of Wheaton, surrounded by the best Wheaton has to offer. To the South is Seven Gables Park; a 66 acre retreat with walking paths, ponds, playgrounds and ball fields. To the West is the country’s first 18 hole golf course: Chicago Golf Club was just named the 7th most prestigious private club in America according to Golf Connoisseur Magazine. To the North is Whittier Elementary School, the state’s #1 public elementary (rated by ISAT Illinois State Achievement Test scores). 2006 Sold Properties 205 Thompson $527,000122 Dickinson $546,000110 Thompson $725,000108 Dickinson $825,000 Current Listing 1560 Wadsworth $759,000 2006 Averages The percent (2 comments)
Choosing Retirement Living That Fits Your Needs - 12/29/06 04:54 PM
For many, retirement is a time when people shift priorities and put their own needs first. One of the most important choices they need to make is where to live in retirement. Choosing the right community and home is an important and challenging decision. Ask yourself, do you want to: Remain in the home you occupied before retirement? Remain close to your present community, but move to a different home? Move to another county or state, or to a different climate? Move into your present vacation property?Where to LiveIf you lean toward moving to another region, start reviewing options based on general climate, (0 comments)
An Irresistible Home Starts at the Curb - 12/29/06 04:30 PM
The old saying about making a good first impression couldn't be truer than when you are selling your home. That first impression has to create interest from the moment a buyer drives up to your home. Curb appeal is that subjective, intangible quality that entices buyers to think emotionally rather than logically. Perhaps it's the way the home sits on the property, or the mix of clapboard and fieldstone. It may be the expanse of grass carpeting, the stately columns, or the boisterous symphony of greenery and brilliantly colored flowers. In any case, it's love at first sight. How can you tell (0 comments)
Get Your Offer Accepted With These Strategies - 12/28/06 09:05 PM
When you're in a seller's market or vying for a hot property, the competition can be fierce. You need to make your offer stand out from your competitors' offers. To increase the likelihood that a seller accepts your offer, consider adopting one or more of these strategies: Price. Obviously, price tends to be the primary consideration for sellers. In a hot market, when buyers outnumber inventory, offers often come in at full price or above. When you're competing for a home, to get an edge, think about adding a clause stating that you will beat the highest offer by "x" dollars up (0 comments)
Six Questions Buyers Should Ask Before Making An Offer - 12/28/06 07:20 PM
When you are buying a home, there are many problems that the seller is obligated to disclose. For example, in most states, it is illegal to withhold information about major physical defects on the property, but, these disclosures don't always paint the entire picture of the home. Here are six questions you may want to ask that can offer additional insight about the prospective home before you make a final decision. 1) Why is the seller selling the house?This question may help you evaluate the "real value" of the property. Is there something about the house the seller does not like? If (0 comments)
Tips for Selecting a Real Estate Professional - 12/28/06 07:04 PM
Technology has changed the way consumers do business. The real estate industry is no exception. In fact, 77 percent of homebuyers use the Internet during their property search. (The 2005 NATIONAL ASSOCIATION OF REALTORS® Profile of Homebuyers and Sellers) However, most agree that when it comes to buying or selling a home, a transaction of this magnitude requires the guidance of a professional. In the same study, 90 percent of buyers and 87 percent of sellers use a real estate professional during the process. Whether you're buying or selling a home, you'll want to interview two or three real estate professionals. To (0 comments)
Is It Better to Buy or Rent? - 12/28/06 04:28 PM
The market is ripe for buyers right now. Interest rates, although slightly higher than this time last year, are still at an all-time low, and the National Association of REALTORS® predicts that 2006 will be the third all-time best year in real estate. So naturally you should be telling your landlord goodbye and saying hello to your dream home, right? Not so fast. Certainly, owning your own home has its benefits. But, is the dream of homeownership really one you should pursue? It all depends on your circumstance and needs. Buying a home is such a large investment, possibly the largest purchase (0 comments)
The ABC's of Closing Costs - 12/27/06 05:51 PM
You've found your dream home, the seller has accepted your offer, your loan has been approved and you're eager to move into your new home. But before you get the key, there's one more step--the closing. Also called the settlement, the closing is the process of passing ownership of property from seller to buyer. And it can be bewildering. As a buyer, you will sign what seems like endless piles of documents and will have to present a sizeable check for the down payment and various closing costs. It's the fees associated with the closing that many times remains a mystery to (0 comments)
Selling Your Home in Today's Market - 12/27/06 05:30 PM
The media has been full of stories about the slowing housing market --and although this kind of market normalization is commonplace in the real estate industry, there is no question that in many parts of the country, houses are currently on the market a little longer and there is more competition for buyers. Hire a ProfessionalIf you want to sell your home fairly quickly, now is not the time to go at it alone. You want to make sure that your home gets the maximum exposure and the best marketing strategy. When you work with a qualified real estate professional, your home (0 comments)
Is Remodeling In Your Future? - 12/27/06 05:25 PM
Thinking about remodeling your home? You're not alone. Rising home values and favorable interest rates over the last decade have allowed homeowners to tap into equity in order to upgrade their property. Within the four quarters, homeowners spent over $160 billion on home improvements, according to the Joint Center for Housing Studies of Harvard University. So where do you begin? Here are a few things to consider. First, determine the motivation behind your remodeling. Is it to add more space, modernize, improve energy efficiency or increase your home's resale value? Perhaps it is all of the above. Once you decide what you want to (0 comments)
Defining Your Ideal Home - 12/26/06 05:49 PM
The property you buy will be much more than a house; it will be your home. The following questions can help you describe the things that are most important to you in your ideal home and neighborhood. 1. How far along are you in the homefinding process (just thinking about the possibility of buying a home, or definitely committed to making a move)? How long have you been looking for a home? 2. Why are you contemplating the purchase of a home at this time? 3. What is your time frame? Is there a definite time by which you must be settled (1 comments)
Buy or Sell First? - 12/26/06 05:44 PM
Should you buy or sell first? There are many schools of thought on this subject. Ultimately, it depends on you and your situation. For instance, can you afford to pay two mortgages in the event your previous home does not sell by the time you move? Would you consider a bridge loan (a short-term, high interest loan that let you borrow against the value of your old home to covers the bills until you secure the new, larger loan)? Are you willing to move twice to find the home of your dreams if you sell first and can't find the dream (2 comments)
Don't Make the Mistake of Overpricing Your Home - 12/26/06 05:39 PM
Pricing matters. When you decide to sell your home, one of the most important decisions real estate seller's make is your initial listing price. Of course, you want to get as much for your home as buyers may be willing to pay. However, when determining the price, don't make the mistake of overpricing. It's an understandable mistake, but one that could prove costly if it slows down the sale and/or makes other homes look like a good value by comparison. One trap many sellers fall into when deciding a price is basing it on emotion. After all, your home has been (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.