Archive for August 2009

YOUR HOUSE IS SPOTLESS WHY ISN’T IT SELLING?

August 29, 2009

Don’t be discouraged.  Your home is spotless and it still isn’t selling.

Tips to help you if your home hasn’t sold.

Check to see if your price could be adjusted.  If the price is okay.

Hold on … it only takes one buyer, and one day they will come.  And your sale will be over.

Often it seems like nothing is happening, and then boom, it happens.

OVER PRICED LISTINGS

August 24, 2009

Overpriced listings sell everything else on your street.  The buyers today are knowledgeable and not willing to pay too much.  They are looking at the homes in your price range and on your street, and they know what is available for the dollar.  Keep that in mind when your Realtor comes to list your home.

See the CMA  Comparative Market Analysis… for best results.

UPDATE YOUR KITCHEN WITHOUT REPLACING IT

August 12, 2009

Quick Kitchen Update

Video

Click below –

http://www.bhg.com/videos/m/21848592/kitchen-cabinet-upgrade.htm

HOME STAGING

August 10, 2009

Home staging makes you money.

Some reasons sellers give for not doing home staging.

That’s something they do on television

I”ll consider it if my house doesn’t sell

Well if its just cleaning, picking up and putting things away family photoes well we were going to do that anyway.

I think it’s all a hoax

My home is only 2 years old, it will show just fine the way it is.

It just doesn’t make sense to spend money on a house I’m leaving.

I hear it costs a lot of money to home stage properly.

I’ve already been listed for 8 days its too late for staging.

The market is good I think we can get top dollar without staging.

THE PRICE HAS TO BE RIGHT

August 10, 2009

If your price is accurate you will sell your home.

There is only one way to get an accurate price on your property.  Listen!

Realtors are to be listened to.

Some people tell the realtor, what they desire as a price.

IF YOU ARE SERIOUS ABOUT SELLING… the price has to be right. You will ask your realtor to do a CMA and give you the price that will realistically sell the home.

In these financial times, some people are trying hard to solve all their financial problems with the sale of their home.  This is not always possible.

There is only one way to solve your financial problems.  Ask me about it.

Did you hear this. Credit Card Information

August 7, 2009

Next time your credit card statement arrives, see if you’re paying for something called credit balance insurance. You may be shocked to discover how much it’s costing you. Credit card companies have many names for this insurance, such as “Balance Protection” and “Credit Wise.” But the programs all work the same way. If you lose your job, the credit card company covers your minimum monthly payments. If you get sick or die, the insurer pays off your balance.

It sounds reassuring, especially in a recession. But thanks to high premiums the insurance is hardly worth it.

Rates for credit balance insurance are based on the size of your balance. The more money you owe, the higher your monthly premiums. The industry average is 95 cents for every $100 owed. If your credit card has a balance of $2,500, the insurance will cost you $23.75 a month. Over a year that adds up to $285.

“It’s really a terrible deal,” says Jim Bullock, a life insurance broker and educator in Toronto. Credit balance insurance costs more than regular forms of disability or life insurance for what you get in benefits. And there are usually a lengthy list of conditions. For instance, not all serious illnesses are covered, and some insurers will only pay if you lose your job through layoffs. If you’re fired, you can’t collect. Plus, some insurance plans won’t cover more than $10,000 of your total balance.

It’s not mandatory to have credit balance protection, but a lot of people sign up without realizing it. That includes Bullock, who only noticed a few months ago it was on his credit card. What to do if you find yourself in the same boat? Call your credit card company and cancel the insurance right away. Then ask for documentation that you signed up for the insurance in the first place. If the credit card company can’t show proof, ask for a refund on all the premiums that you’ve paid so far. “I know one person who got back nearly $2,000,” says Bullock. “She’d been paying for credit balance insurance for five years. She didn’t even know it.”