stewart construction: Homes for Sale in Clifton Park NY. Josh Gonzalez, a Local Real Estate Agent. Improve Your Insurance Score. - 03/27/10 11:41 AM
Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent.  Improve Your Insurance Score.
Paying all of your bills on time is one good way to improve your insurance score-and, in turn, lower your homeowners insurance premiums.

The most effective way to raise your insurance score is to improve your credit score. Image: Jupiter Images/Getty Images
 Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent.  Improve Your Insurance Score.
Most people expect the cost of homeowners insurance to go up after a claim is filed. But it may surprise you to … (0 comments)

stewart construction: Homes for Sale In Clifton Park, Josh Gonzalez a Local Real Estate Agent. Avoid Home Equity Loan and Refinancing Scams. - 03/26/10 07:03 AM
Homes for Sale In Clifton Park, Josh Gonzalez a Local Real Estate Agent.  Avoid Home Equity Loan and Refinancing Scams.
Home equity loan and refinancing scams can cost you more than money-these scams can cost you your house.

Scammers will often try to charge you for services they'll never actually perform. They may even use your personal information to commit identity theft. Image: Plattform/Getty Images
Refinancing a mortgage to a lower interest rate can make sense for some homeowners. So too can taking out a home equity loan against the value you've built up, perhaps to finance a kitchen remodel … (0 comments)

stewart construction: Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent. Fight Foreclosures in Your Community. - 03/24/10 02:44 PM
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community.
Even if you're current on your mortgage, nearby foreclosures can affect your community through lower property values, higher crime rates, and lost services.

Foreclosed houses are often targeted by vandals, squatters, and thieves--which could drive out a neighborhood's residents and cause property values to plummet. Image: HUD
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community.
If you think your neighbor's foreclosure doesn't impact you, think again. According to a Center for Responsible Lending report, … (0 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. States Offer Cash Rebates for Clunker Appliances. - 03/22/10 02:49 PM
Clifton Park Homes for Sale, Local Real Estate Agent.  States Offer Cash Rebates for Clunker Appliances.
Buying a new Energy Star appliance can lower your utility bills and perhaps even earn a cash rebate from your state.

If you replace an old washing machine with a new Energy Star model, you could save as much as $135 per year--plus a rebate from the government. Image: Corbis Photography/Veer
There's another reason besides saving on utility bills to replace your clunker appliances with energy-efficient models: a cash rebate. States, using up to $300 million in federal funds, are offering rebates on Energy … (0 comments)

stewart construction: Homes for Sale in Clifton Park, Local Real Estate Agent. Your Guide to Outdoor Maintenance - Northeast - 03/18/10 04:47 PM
Homes for Sale in Clifton Park, Local Real Estate Agent.  Your Guide to Outdoor Maintenance - Northeast
If you live in the Northeast, prevent problems and preserve the value of your property with proactive outdoor maintenance.

You can protect your driveway with a coal-tar-based sealant for about $100 if you do the job yourself, or about $300 if you hire someone. Image: Universal Seal
 
Maintaining a house in the northeastern quadrant of the country, from New England through the mid-Atlantic, means protecting it from a triple whammy: hot summers, frigid winters, and lots of precipitation throughout the year. You'll … (1 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. The Offer: There's More to It Than Just The Price - 03/17/10 03:26 PM
Clifton Park Homes for Sale, Local Real Estate Agent.  The Offer: There's More to It Than Just The Price
Fixating on price in real estate may cost you the deal:
 
Sellers who decide that a specific dollar figure will buy their home and won't budge from that bottom line may sell themselves short.  
Buyers who drop out of a transaction for a property they love because the seller's counter-offer shocks them may be quitting before they have really started negotiating. When a buyer makes an offer to purchase a house, condominium unit or commercial property, the purchase price is … (1 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. The Offer: There's More to It Than Just The Price - 03/17/10 03:26 PM
Clifton Park Homes for Sale, Local Real Estate Agent.  The Offer: There's More to It Than Just The Price
Fixating on price in real estate may cost you the deal:
 
Sellers who decide that a specific dollar figure will buy their home and won't budge from that bottom line may sell themselves short.  
Buyers who drop out of a transaction for a property they love because the seller's counter-offer shocks them may be quitting before they have really started negotiating. When a buyer makes an offer to purchase a house, condominium unit or commercial property, the purchase price is … (0 comments)

stewart construction: Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent. Is a Reverse Mortgage Right for You? - 03/17/10 09:28 AM
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Is a Reverse Mortgage Right for You?
A reverse mortgage is a tempting route to take for cash-strapped seniors who own their homes, but this road to riches can be curvy.

Unlike a conventional mortgage, a reverse mortgage's balance grows over time. Image: Hill Street Studios/Getty Images
Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Is a Reverse Mortgage Right for You?
Do you wish you could tap your home equity without having to make loan payments every month? If you're 62 and own a house … (0 comments)

stewart construction: Clifton Park Home for Sale, Local Real Estate Agent. Foreclosure Rate Likely Headed Back Up. - 03/16/10 01:10 PM

Clifton Park Home for Sale, Local Real Estate Agent.  Foreclosure Rate Likely Headed Back Up.
March 12, 2010
Some housing experts are saying the rate of foreclosures in the U.S. housing market may rise again, and the profile of delinquent borrowers is changing.
"Just looking at the numbers, we would expect there to be a bigger percentage of properties," headed for repossession, RealtyTrac spokesman Daren Blomquist told The Washington Post.
A recent RealtyTrac survey found the rate of foreclosures dropped in February, but homeowners continue to fall behind on their payments. More than 75 percent of homeowners three months or … (0 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. SCRABBLE® Night at the Clifton Park-Halfmoon Public Library - March 18th. - 03/13/10 04:32 PM
Clifton Park Homes for Sale, Local Real Estate Agent.  SCRABBLE® Night at the Clifton Park-Halfmoon Public Library - March 18th.
 
Come out for an evening of word-building fun playing Scrabble® with your friends and neighbors on Thursday, March 18 from 6:30-8:30 pm at the Clifton Park-Halfmoon Public Library. Anyone (ages 17+) is welcome to come. Light refreshments served.
Registration is requested for this program and can be made online, in person or by phoning the Library at 371-8622. To register online: Access the registration forms through the web calendar on Library website, www.cphlibrary.org. Click What's Happening, then Calendar of Events. … (1 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. Green Cleaning Products for the Kitchen. - 03/13/10 03:10 PM

Clifton Park Homes for Sale, Local Real Estate Agent.  Green Cleaning Products for the Kitchen.
 Going green in the kitchen doesn't mean going broke as long as you choose the right green cleaning products for your countertops and appliances.

Some of the most eco-friendly kitchen cleaners may already be in your pantry. Image: Andersen Ross/Getty Images.
 Clifton Park Homes for Sale, Local Real Estate Agent.  Green Cleaning Products for the Kitchen.
From meat juices to milk spills, the kitchen can be a messy place. But don't reach for caustic cleaners or synthetic air sprays to give your countertops and … (1 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. An Economic Boom From Homes? - 03/13/10 01:36 PM

Clifton Park Homes for Sale, Local Real Estate Agent.  An Economic Boom From Homes?
By Dan Miller, The Patriot-News, Harrisburg, Pa. Mar. 5-New homes pump far more into the midstate economy in tax revenue and jobs than they cost in added spending by local governments and school districts, says a study for the Home Builders Association of Metropolitan Harrisburg.
The study is based in part on single-family houses built in the midstate with prices averaging $406,000, a figure an association official conceded is higher than what most new homes are selling for here today.
Municipal and school district officials and … (0 comments)

stewart construction: Clifton Park Homes for Sale, Local Real Estate Agent. ‘Green' Home Has Energy to Spare - 03/12/10 02:56 PM

Clifton Park Homes for Sale, Local Real Estate Agent.  ‘Green' Home Has Energy to Spare
By Paul Restuccia
How green can a house get?
A Bay State couple lives in a highly energy-efficient home that creates two-and-a-half times more power than it needs.
Tina Clarke and Doug Stephens, who built the three-bedroom house in Turners Falls for just $180,000, just won a $10,000 prize for the best "Zero Net Energy" project from the Northeast Sustainable Energy Association, which starts its 35th annual trade show in Boston tomorrow.
"We built this home to show others that you can have a comfortable … (1 comments)

stewart construction: Clifton Park Homes for Sale, Saratoga County Real Estate. Daylight Saving Time. - 03/11/10 08:26 AM
Clifton Park Homes for Sale, Saratoga County Real Estate.  Daylight Saving Time. 
Daylight Saving Time Extended by Four Weeks in U.S. Starting in 2007
By Matt Rosenberg, About.com Guide

Whether "Spring forward" or "Fall back," we change our clocks one hour ahead or behind twice each year, thanks to Daylight Saving Time.
Getty Images Mar 9 2010 On Sunday, March 14, 2010 at 2 a.m., Daylight Saving Time begins in the United States.
Clifton Park Homes for Sale, Saratoga County Real Estate.  Daylight Saving Time. 
Every Spring we move our clocks one hour ahead and "lose" an hour during … (0 comments)

stewart construction: Clifton Park Homes for Sale, Saratoga County Real Estate. Daylight Saving Time. - 03/11/10 08:25 AM
Clifton Park Homes for Sale, Saratoga County Real Estate.  Daylight Saving Time. 
Daylight Saving Time Extended by Four Weeks in U.S. Starting in 2007
By Matt Rosenberg, About.com Guide

Whether "Spring forward" or "Fall back," we change our clocks one hour ahead or behind twice each year, thanks to Daylight Saving Time.
Getty Images Mar 9 2010 On Sunday, March 14, 2010 at 2 a.m., Daylight Saving Time begins in the United States.
Clifton Park Homes for Sale, Saratoga County Real Estate.  Daylight Saving Time. 
Every Spring we move our clocks one hour ahead and "lose" an hour during … (0 comments)

stewart construction: Clifton Park Homes for Sale, Saratoga County Real Estate. Tax Tips for Homeowners Looking Ahead to 2010 Returns. - 03/10/10 02:30 PM
Clifton Park Homes for Sale, Saratoga County Real Estate.  Tax Tips for Homeowners Looking Ahead to 2010 Returns.
From energy tax credits to vacation home deductions, check out these tax tips for homeowners looking ahead to 2010 returns.

If you believe your real estate assessment is too high, you can always appeal it and possibly save on your property tax bill. Image: Tetra Images/Getty Images
Clifton Park Homes for Sale, Saratoga County Real Estate.  Tax Tips for Homeowners Looking Ahead to 2010 Returns.
Tax planning for homeowners should start well in advance of the April 15 filing deadline each year. … (0 comments)

stewart construction: Clifton Park Homes for Sale, Saratoga County Real Estate. The Value of Home Maintenance. - 03/09/10 11:44 AM

Clifton Park Homes for Sale, Saratoga County Real Estate.  The Value of Home Maintenance.
Regular home maintenance is key to preserving the value of your house and property.

One way to keep maintenance fun and interesting is to pick one room per year to improve. Image: David Sacks/Lifesize/Getty Images
Clifton Park Homes for Sale, Saratoga County Real Estate.  The Value of Home Maintenance.
If you think home maintenance is an unavoidable series of weekend-eating chores, remember the age-old advice of Benjamin Franklin: "An ounce of prevention is worth a pound of cure." The fact is, proactive maintenance is essential … (2 comments)

stewart construction: Homes for Sale in Clifton Park NY, New Construction-Real Estate. 7 Tips for Saving Energy in the Laundry Room. - 03/07/10 02:12 PM

Homes for Sale in Clifton Park NY, New Construction-Real Estate.  7 Tips for Saving Energy in the Laundry Room.
Understanding your laundry room appliances is part of a smart plan to help you save energy in your home.

Energy Star washers save 17 gallons of water per load over traditional washers. Image: Kenmore
Homes for Sale in Clifton Park NY, New Construction-Real Estate.  7 Tips for Saving Energy in the Laundry Room.
Good laundry room habits, including some occasional minor maintenance, can save energy and shave nearly $300 off your annual utility bills. That's because you can curb the … (0 comments)

stewart construction: Homes for Sale Clifton Park, Saratoga County Real Estate. 8 Solutions to Common Wet-Basement Problems. - 03/06/10 03:04 PM

Homes for Sale Clifton Park, Saratoga County Real Estate.  8 Solutions to Common Wet-Basement Problems.
Solving wet-basement problems is one of the most important things you can do to protect the value of your home and health of your family.

If water can't be diverted on the outside, it must be pumped out from the inside with an interior drain system. Image: Michael Blann/Getty Images
Homes for Sale Clifton Park, Saratoga County Real Estate.  8 Solutions to Common Wet-Basement Problems.
Nothing poses a greater long-term risk to your home's value than a wet basement. If left unchecked, basement moisture … (0 comments)

stewart construction: Clifton Park Homes for Sale, Saratoga County Real Estate. Try Different. - 03/03/10 02:30 PM

Clifton Park Homes for Sale, Saratoga County Real Estate.  Try Different.  Try different
The usual mantra is to 'try harder'. Trying harder is impossible when you're already trying as hard as you can.
But you can always try different.
Years ago, I was creating trivia questions for a product we built for Prodigy. We had a 99% accuracy rate in doing the questions. Which was great, except there were 1800 questions in a batch, which meant 18 wrong each time, which was totally and completely unacceptable. These were honest mistakes, made by smart people working as hard as they could.
(0 comments)

 
Josh Gonzalez (Coldwell Banker Prime Properties)

Josh Gonzalez

Clifton Park, NY

More about me…

Coldwell Banker Prime Properties

Address: Parkwood Plaza, 1754 Route 9, Clifton Park, NY, 12065

Office: (518) 640-4203

Fax: (518) 383-6225

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