Updates from October, 2009

  • The Number One Reason For Failure in Real Estate Investing

    Nancy Geils 12:04 am on October 4, 2009 | 0 Permalink | Reply
    Tags: alan cowgill, finding properties, investing in real estate, john burley, , real estate courses, real estate investing, real estate seminars, reos, richard odyssey

    by Nancy Geils

    When I talk to real estate investors, some are seasoned pros. Many are “wannabe” real estate investors who are just trying to get their feet wet. I can tell you from experience that there is one and only thing that separates the seasoned pros from the wannabe real estate investors. This one thing will surprise you because it’s not what you think.

    It’s not a secret technique. It’s not a special recipe. It’s not a secret phone number. It’s not a list of private money names. It’s something else:

    ACTION!

    Successful real estate investors take action. They blaze ahead. They plow through. They move forward. They do something. Then they do it again. And again. And again. The wannabe real estate investors who are not successful – and who will never be successful (I’m sorry to say) are those who are waiting for something; perhaps they are still trying to get their paperwork in order or they are trying to figure out their brand or they are waiting for their business cards to be designed and printed. These are excuses! I’m not the only one who says this! I am backed up by experience and by a chorus of other real estate investing experts who believe the same thing.

    If you want to be successful as a real estate investor, go work on a deal right now. Don’t just do a bit and then stop. Start working and don’t stop until you have the deal. That’s it. That’s the secret. You don’t have to have all your paperwork in pristine order, that’s okay. It will come. When you need it, you’ll suddenly discover that you can do it quickly. (And, I’m also willing to wager that you’ll be surprised to discover you don’t need as much as you think you do).

    So stop reading this article. And go take action right this instant! Go For It! The market is perfect for investing NOW!

    For more information go to http://www.investingwiththestars.net/season3. Sign up for our FREE Webinar Series with Top Real Estate Experts sharing all their money making secrets!

    About the Author:
    Learn more about real estate investing. Stop by Nancy Geils site where you can find out all about getting into action alan cowgill and what it can do for you.
     

  • Looking for Your First Chicago Home

    leadfrog 11:15 am on September 27, 2009 | 0 Permalink | Reply
    Tags: ,

    Shopping for your first home will be a fresh start for you and everyone around you. This exciting experience will only be brightened if you plan it ahead to get the best possible home that you will love and cherish for year. If you know your expectations and budget limitations, you will be able to look at each home you tour objectively and make an excellent choice.

    If you are a Chicago first time home buyer you need mortgage advice you can count on. Call 773-305-LOAN for a free quotation without obligation on a Chicago 1st time home buyer mortgage or mortgage refinance.

     

  • Voice Broadcasting - Can It Explode Your Income?

    Michael Kowalski 12:07 am on September 24, 2009 | 0 Permalink | Reply
    Tags: Generating Income, Increase Income, Increasing Income, , , Voice Broadcasting

    by Michael Kowalski

    Anyone who has sat down to dinner has, no doubt, had the phone ring only to get a pre-recorded message or Voice Broadcast. So when I pose the question I do in the title, many first inclinations will be to respond in the negative. If you do think that way then you may be missing out on one of the most powerful marketing tools available to you. All of us who have had our dinners interrupted are the victims of a business that did not understand the tool and how it fits into a professional Marketing Program. If they did we would have never received that call in the first place.

    In reality, Voice Broadcasting is not a Prospect Generator. Used in this manner it leads to frustration and sometimes anger. Neither of these conditions is conducive to attracting new prospects. Voice Broadcasting is one of the most useful and cost effective Automated Client Retention Tools you can have in your Marketing Arsenal. Marketing statistics demonstrate that it is ten times easier to sell to an existing customer than to a new contact. That’s because they know you, trust you, and have a relationship with you. Voice Broadcasting automates the relationship maintenance in a personal way no other technology can.

    Marketing is essentially the creation and maintenance of relationships. Most people want to feel comfortable with the people they are doing business with. They desire, at some level, a relationship. We also have to bear in mind that most purchasers, up to 95% in fact, are simply in the information gathering mode and are NOT ready to buy when you first contact them. This being the case, Voice Broadcasting becomes very important to a business as they start to build and nurture those relationships.

    Recently I was introduced to a company that has spent the last 12 years developing a series of integrated marketing technologies including Voice Broadcasting. They have actually defined 10 key features that any Voice Broadcasting solutions must incorporate into their technology. That company is called Automated Marketing Solutions or AMS. AMS provides a full suite of marketing technology tools and processes that allow any company to deliver a comprehensive marketing program using tested and proven methods. Their many years of experience in Direct Response Marketing ensure that even the beginner can quickly integrate and take advantage of all of the benefits of Voice Broadcasting. They provide training on message creation and will even have the messages professionally recorded for you.

    And it doesn’t stop there. AMS provides the capability for a company to place their ENTIRE Marketing Program on Auto-pilot. Once a business marketing program (including voice messages, e-mails, faxes and other broadcast and mail out collateral) is compiled and sequenced, their Lead Management System or LMS provides the unique ability to manage and control that program without any further human interaction.

    The benefits to this system are significant time savings on what would otherwise be labor intensive tasks and consistency in marketing messages. It also means that businesses never need worry about losing customers who misinterpreted your lack of contact for apathy. If you would like to hear more about Voice Broadcasting and how it can benefit your business visit Automated Marketing Solutions today. You will be surprised at how quickly and economically you can implement and start benefiting from AMS tested and proven technology and experience.

    About the Author:
    To learn more about Voice Blasting and how it can benefit your business visit Automated Marketing Solutions today. See how quickly and economically you can implement and start benefiting from AMS tested and proven technology and experience.
     

  • California And Arizona Real Estate Facts

    Yster Alker 12:19 am on September 19, 2009 | 0 Permalink | Reply
    Tags: arizona, , , , , , , , mortgages, , , united states

    Traffic Jams, beaches and mild earthquakes are all characteristics of California. So there are a number of things to consider before you actually go for investing in California real estate.

    The first thing to consider for investing in California real estate is to select the place/area for your California real estate investment. This is more applicable to people who are looking at California real estate more as an option for leading their life (rather than an investment option).

    If you are looking to get a piece of Arizona real estate for yourself and your family, then you need to consider a lot of different things which will also influence your perception of the lowest (or the best price) for that Arizona real estate piece.

    Note that the best price for the same Arizona real estate piece might be different for different people (because their level of motivation to buy a particular Arizona real estate piece might vary). So, if you have a lot of friends living in a particular area in Arizona, then Arizona real estate in that area might become your preference and hence increase your motivation level.

    So with the California real estate prices rising (as always), investing in California real estate does seem like a great idea.

    You could use real estate as a means for supplementing your income either by buying at a lower price and selling at a higher price or by letting it out. Sometimes you might buy a property for the purpose of resale but might want to wait for a few years before you actually sell it. In such a case, again it would make sense to rent out the property and earn some money till you actually decide to sell it off.

    Whatever the reason, letting out real estate demands real estate management and real estate management is not an easy job for everyone. In fact, a lot of people find it so much of a hassle that they prefer keeping their property vacant instead of letting it.

    Though hiding your motivation will be a bit difficult, nonetheless give it a good try. If you are looking for Arizona real estate just for investment purposes then you would probably have a lot more time on hand to evaluate various properties before you actually go ahead with one.

    So youre buying motivation will not (and should not) be too high. Remember that if you have time on hand, you can always get better deals (and there are lot of Arizona real estate deals out there, if you were to look properly).

    Real Estate is what I write about often. I also run a pageabout mortgages in the Netherlands, i’ts named: hypotheekrente and hypotheek rente

     

  • Don't Make Outdoor Lighting Mistakes

    Paula Alford 12:26 am on September 17, 2009 | 0 Permalink | Reply
    Tags: Dallas Fort Worth Landscaping, Dallas Landscape Design, Dallas Landscape Designer, Dallas Landscaping,

    Outdoor lighting can be deceivingly tricky. Part of the difficulty is that it can seem so straightforward. How difficult is it to illuminate a few flowerbeds? Frankly, it might not be tricky to light, but it is difficult to light well. Since no one wishes their outdoors to appear like an kid tossed up some holiday lights, it’s useful to keep in mind some common mistakes.

    Lack of a Goal

    When creating an outdoor lighting idea, your first factor ought to be what you want to accomplish. Safety, security, spotlighting, overall artistry ” there are lots of different goals for outdoor lighting. Make sure yours is decisively in mind before you start. Knowing your goal will permit you to arrange more effectively, saving time, money, and inevitable annoyance.

    Lifeless Placement of Lights

    When lighting a path, don’t fall into the trap of an uniform row of lights. It’s visually uninteresting; you’re not lighting an airport landing strip. Space lights at uneven intervals, making certain to equally light the way and be satisfying to the eye.

    Conceal landscape lighting fixtures unless they’re intended to be a focal point. The eye should be drawn to the area lit, not the source of the lighting.

    Incorrect Quantity of Lights

    Although more does not equal better, you also don’t want to leave pronounced shade areas. Areas of darkness lure the eye to the lights instead of the space being lit. Don’t overdo it ” you don’t want your yard to come across resembling a car lot ” but don’t under do it, either.

    Unwise Direction of Lights

    Unsuitably aimed lighting can create glares, distract passing drivers, or even shine into the eyes of folks outside. It would be a embarrassment to ruin an evening backyard gathering because your lighting blinded your friends.

    Wrong Type of Lights

    It is not the most exciting topic, but the style of light you apply greatly affects the whole look. A vertical difference of 10 feet could necessitate you to go from a 20 watt to a 30 watt bulb. Halogen bulbs emulate moonlight’s bluer color. Low-voltage bulbs can light without overwhelming. Garage and porch lighting may need to be adjusted so their bright lights don’t hinder an effect. These considerations are important to realize a unified appearance.

    Wrong Colors of Lights

    Take great caution with colored lights or filters. You don’t need your lighting scheme to seem like something more suitable for a Ringling Bros. Circus than your backyard. You may want to avoid colored lights completely since they can often look tasteless. Filters can be used to pleasant effect, but only if done subtly. Don’t use a different color filter in every fixture.

    Every property offers its unique canvas on which professional landscapers can build distinct looks to best compliment the landscape. The slightest wattage differences, changes in lighting angles, and placement of lighting fixtures will create a completely unique look. If it all appears overwhelming, look into contracting a proficient landscaper. They will handle every one of these obscure details and get the job done right, making your home look its very best.

    Paula Alford has made Ulitimate Landscape Concepts a leader in landscaping for several reasons. First and foremost, their service. After all, landscaping is a service business. Second, their unique and colorful blueprints. Not cheap, obscure drawings, but architectural renderings where you see what the end result will look like. This article powered by SEO 2.0 Services

     

  • Investing Foreclosures

    Jason Myers 12:05 am on September 15, 2009 | 0 Permalink | Reply
    Tags: financing real estate, , , property management, , , real estate investments, real estate management

    The current economic pause has led to credit lines drying up and loans being recalled as banks and credit unions try to minimize their money lost. Because of that, foreclosures on properties whose payments have defaulted have gone through the roof. Because the real estate bubble has burst and the values of homes have reached their lowest point in a long time,investing foreclosures gives us a unique chance to lock down future profits.

    When a financial institution forecloses a defaulted home it is hardly ever looking to to make a profit, particularly during a possible recession. Consequently, foreclosed properties are auctioned off at prices below, oftentimes far below, their fair market value. If the property goes unsold during the auction then it phases into REO (Real Estate Owned) status as the bank repossesses it intending to appraise and get rid of it of its own accord as speedily as possible.

    If buying at a foreclosure auction already offers considerable financial incentives, |buying|purchasing|investing in a group of properties wholesale from a financial institution’s REO portfolio is even less expensive. These properties, normally in a situation of not taken care of or disrepair, can then be repaired and flipped for profit or sold as is to other real estate people seeking to remodel them.

    Banks are seeking, first and foremost, for a minimum guaranteed amount of money to stop the bleeding and cut their losses. Not only do they normally commence foreclosure bids at the sum that is owed ( as opposed to the price of the house ) but they are more than willing to get rid a large group of houses claiming REO status for quite a bit less than the majority of them could potentially get them individually as long as the sale is guaranteed.

    Buying foreclosures is a way to get properties for a lot less than they are normally cost and can be a source of a lot of income. There will frequently be a market for fairly priced properties and big investors are always willing to pay for fairly priced properties they see potential in.

    Jason Myers is a professional writer and he writes as a hobby about prop 13 exemptions. He’s also interested in invest in real estate.

     

  • Moving Companies: 5 Tips To Spot A Dishonest Mover

    Rachelle Onifelli 12:03 am on July 25, 2009 | 0 Permalink | Reply
    Tags: , , long distance moving, , moving, , moving quotes, , relocation,

    by Jennifer Pertillis

    Certainly, the state of the economic has forced people looking for work to consider relocating to another state. Maybe it is a job transfer, a job lead, or perhaps the need to move back with family members among the reasons that are forcing people to pack it all up and seek employment in another state.

    Your entire life’s possessions are at stake. It is a stressful time having to uproot yourself, plus the thought of falling victims to these unscrupulous movers that would take more of your money at a time when you need to be the most judicious on how to spend it.

    A typical scammy mover will omit visiting your place to eye-ball what is being moved and instead would give you a lower-than-market rates for your move over the telephone or the Internet just to lure you in as an unsuspecting consumer.

    Here’s Some Hints To Help You Identify A Rogue Relocation Company.

    The Hostage Relocation:

    The rogue mover would simply wait until after all your property is hauled away to think of additional charges sometimes doubling or tripling the original quoted rate and unless you agree to pay this new price, the moving company would simply wait out until you agree to pay – sometimes this new rate even includes storage and maintenance fees incurred at their warehouse. Sometimes, the arbitration extends to the point where property is left out totally at the mercy of the environment without proper temperature and humidity controls.

    Quotes Disproportionate Compared To The Competition:

    The moving industry has grown to be an extremely competitive market as a consequence of that, prices tend to vary greatly. On occasion, rates are ultimately reduced in an attempt to attract business. A red signal should go off if you notice that a particular mover is offering rates “out-of-this-world” good in relationship to the rest of the market. You should always look at these prices as a “ball” estimate before you think this would be your final cost.

    Advanced Payment:

    Don’t pay any deposit. A professional D.O.T. approved moving company would never ask for any fees up front. However, an unscrupulous moving company would require an up front fee as a sign of your moving commitment to their company which is totally an out-of-the-market practice.

    Evade Any Middle Men:

    Cut the middle man out of the equation and don’t deal with someone who has brokered your move to another company who in it of itself could be that one rogue mover you should avoid. Just because they present themselves like a moving company on the Internet doesn’t mean this company is the one who’d act on your move. Avoid at all cost dealing with any third moving parties if you really want to have a worry-free move.

    The “Bait And Trolling Tactic:

    For Interstate moves, you should always, by law, expect to pay based on weight alone. If the national moving company says they will charge you according to the cubic feet, then there is something really fishy already. This is because you cannot in any way, verify the amount that you will be charged. Seek out other cross country movers if you’re told your charges are related to cubic feet.

    Keep An Open Eye For Opportunistic Movers:

    Any reputable interstate moving company will tell you up-front the total costs to relocate your belongings across state lines prior to the beginnings of the move. For the most part, May through September are the busiest months and especially weekend relocation keep movers quite engaged.

    Thus prices on these days will be higher as compared to other days. The fraudulent mover will never let you know the exact prices. Even if they will tell, they will ask for prices that are lower than the normal rates. Hence better be cautious. Do not get lured into cost-saving measures when moving your possessions.

    .

    About the Author:
    Don’t fall victim to a rogue mover. When moving companies bid out for your move, you can get a better idea as to the market value of your relocation. When each moving company recognizes you’re a wise consumer, you can get the best rates and incentives on moving supplies. Follow these links to learn more on how to have a worry-free move.
     

  • How To Buy A Foreclosure In A Down Economy

    Tasha Emerson 12:01 am on July 6, 2009 | 0 Permalink | Reply
    Tags: Buy Foreclosure, Buying Foreclosures, , How To Buy Foreclosures,

    by Janice Bolton

    What a disaster the foreclosure crisis in the US is, and not a great amount can be done for the home owners who are in the process already. Foreclosure is much like a giant snowball rolling down a hill, once it gets going, there is not stopping it. However that being said, there are some ways a home owner can prevent the foreclosure process from going ahead in the pre-foreclosure phase and this is by means of a short sale. So if you want to know how to buy a foreclosure, perhaps you need to understand a little about short sales first, before you take on all the other investment opportunities Available in the foreclosure marketplace.

    This crisis has not been blown out of proportion by the media, it is real and it exists. The silver lining to this darkness could be that it presents a valuable supply of discounted properties to people who are looking to invest in real estate. Investing in real estate is widely recognized as being one sure-fire way of creating lasting wealth. The stock exchange is certainly not performing. So stay off Wall street and look to the streets of your own town for investment opportunities which can earn you either lasting wealth or good profits.

    There are three phases at which foreclosure offers the investor an opportunity to buy a property. The kindest phase and also the phase in which and investor is able to help a home owner who is in trouble. The Pre-foreclosure! At this point in time the home owner has received a notice of default, he is getting worried about how he is going to keep a roof over the head of his family. He is often looking at ways out of a mortgage he can’t afford as well as avoiding the foreclosure process.

    There is a way a home owner is able to do this with the help of and investors; in fact there are two ways to arrange a sale in pre-foreclosure. The short-sale and the short-sale buy back.

    Ok, so the home owner is in default over his mortgage payments, the foreclosure is impending and they have proven to the bank that they are unable to meet this financial obligation, neither in the short, nor long-term. The lender then gives them permission to sell the property as a short sale.

    Potential investors contact banks, home owners and realtors to find out about short sales, and there are many of these. They find out if this deal would be profitable for them, if it is and they can create a win-win situation for all parties involved, the deal goes through.

    Short sale investors can be first time home buyers, property rehabbers, whole-salers, or people who wish to create long term wealth by investing in property and renting it to people who need houses to live in. The foreclosure market has definitely seen to it that there is a demand for rental property.

    Law is being put into place under the new “Obama Plan” which will ensure that approval for short sales is even faster than it has ever been, as this is being seen as a way to improve the foreclosure crisis. How, or whether this will have an affect on this market remains to be seen. The fact of the matter is that it is too late for many home owners to sell, even in a short-sale scenario, and homes as well as credit ratings are being lots right left and center. The input which investors makes into this market, is a very good thing, as at least it sees some turnover happening in the real estate industry.

    About the Author:
    In this current economy it’s a better time than ever to buy foreclosures. If the only thing that’s stopped you in the past was not knowing how to buy foreclosures then you need to visit my blog that will teach you how to buy real estate foreclosure.
     

  • The Most Common Types Of Mortgages

    Bill Thornton 12:08 am on June 27, 2009 | 0 Permalink | Reply
    Tags: FHA loans, foreclosure, , Freddie Mac, home remodeling, , , , , remodeling

    by Dave Tisdale Lisa Spellman Roger Augustine

    If you are searching for a mortgage loan, you will likely discover that there are several different types available for borrowers, depending on their financial situations and other circumstances. To determine which type of mortgage is right for you, you should consult with your lender and review your own financial circumstances and loan needs. This article will provide some basic information about a few of the most common types of mortgages.

    There are two basic mortgage categories: fixed-rate and adjustable rate. The most common type of mortgage is the 30-year fixed rate mortgage, because of its predictable and stable payment structure. Borrowers who choose this type of mortgage usually plan to keep their homes for many years.

    Fixed rate mortgages are the most popular mortgages types, due to their stable payment structure and typically lower interest rates. The drawbacks to this mortgage type include typically higher monthly payments.

    Adjustable rate mortgages have their own drawbacks and advantages as well. As their name implies, adjustable or variable rate mortgages have interest rates that fluctuate depending on increases and decreases in national interest rates. Most variable rate mortgages have the same amount of monthly payments but the amount of the final payment may be different due to the fluctuating interest accrued over the term of the loan term.

    Your credit score is one of the most important deciding factors when it comes to the mortgage loans that individual borrowers can qualify for. Before you begin exploring your mortgage options take the time to review, and if necessary, repair, your credit score. This is the best way to help insure that you are able to lock in a low, affordable rate for your mortgage at the outset, regardless of the type that you choose.

    About the Author:
    Visit our site for more information about mortgages, foreclosures, mls and listings of long beach estate for your next home purchase.
     

  • 5 Tricks To Make It Big With Real Estate Investing

    Real Bearman 12:10 am on June 8, 2009 | 0 Permalink | Reply
    Tags: , ,

    by Real Bearman

    Real estate investing is one of the most attractive ways of making good money (that is if you do it correct). Moreover, real estate investing is also a lot of fun. A lot of people practice real estate investing as their core profession and, in fact, make a lot of money that way.

    Real estate investing is really an art and, like any art, it takes time to master the art of real estate investing. The key, of course, is to buy at a lower price and sell at higher price and make a profit even after paying all the costs involved in the two (buy/sell) transactions. Generally, people are of the opinion that real estate investing makes sense only when the rates are on the rise. However, real estate investing for profits is possible just about any time (and as I just said, real estate investing is an art). Here is a list of tricks that can make real estate investing profitable for you:

    Look for public auctions, divorce settlements and foreclosures (bank/FHA/VA): Since quick settlement is the preference here (and not price), you might get a property at a price that is much lower than the prevailing market rate. You can then make arrangements to sell it at the market rate over a short period of time. However, make sure that the property is worth the price you are paying.

    Looking for old listings: The old listings that are still unsold may provide you with good real estate investing opportunities. Just get hold of an old newspaper and call up the sellers. They might have given up hope of selling that property at all and with a bit of negotiation you can get the property for a real low price.

    The hidden treasure: A really old (and dirty) looking house may scare off buyers. But this might be your chance for real estate investing that can yield good profits. So, explore such properties and check if spending a bit on them can make them shine. You can get these at very low prices and make a big profit in a short time.

    Team up with attorneys: There are a number of attorneys who handle property sales on behalf of sellers or in special circumstances (like the death of the property owner). They might sometimes be looking to dispose off the property rather quickly and hence at a low price. Be the first one to grab such real estate investing opportunities and enjoy the profits.

    Keep tab on the newspaper announcements: Property sell offs due to deaths, divorce settlements, immediate cash requirements and other reason are frequently announced in local papers. Keep track of such real estate investing avenues.

    About the Author:
    Real Bearman is an author who specializes in Real Estate
     

  • Market goes BAM! Prices down 35% since start of Real Estate Crisis in Senior Community…

    therealtor37 2:26 pm on January 6, 2009 | 0 Permalink | Reply
    Tags: , , , ,

    Yes, prices have fallen wherever you go in Southern California.  But the Senior Community of Laguna Woods Village, formerly Leisure World, prices have fallen even more!


    This is because the death of the “Greatest Generation” (those people 75 + in age) and the transition to the next major generation, the “Baby Boomers”!  The Greatest Generation is dying off and the Baby Boomer generation has yet to keep up with supply and demand…  We are predicting that with the “Graying of the Baby Boomers” and their retirement, over the next 14 years, prices in the village will double over the next 7 years.  That would be the mid-point of this retirement boom.  To do the math, we are talking about 2015 prices will DOUBLE in Laguna Woods Village, one the largest alive retirement communities in Southern California!


    So if you are thinking of retiring, Laguna Woods Village is a great place to retire to: 7 clubhouses, 5 swimming pools, 27 hole championship golf (only $8 a round for residents!) – It is a gate guarded community with patrol, there is FREE bus service for all residents, and over 200 clubs to join!  Laguna Woods Village is truly a retirement resort community…  Check out my web site for more information about Laguna Woods Village, formerly known as Leisure World: http://www.leisureworldre.com

     

  • Organic Carpet Cleaning NJ

    powerpronyc 2:25 am on December 25, 2008 | 0 Permalink | Reply
    Tags: Organic Carpet Cleaning NJ

    The Best Organic Carpet Cleaning Nj

    organic carpet cleaners new jersey
    Carpet Cleaning for Your Health
    all natural carpet cleaners NJ all natural upholstery cleaners new jersey
    When
    someone is diagnosed with indoor allergies, one of the first things
    he’s probably told to do is to remove any wall-to-wall carpeting in the
    house. It’s true that carpeting traps allergens, but let’s take another
    look at this view.
    Just what is an indoor allergen and where does it
    come from? The things most likely to make you sneeze and wheeze are
    pollen, household dust, dust mites, pieces of cockroach carcasses,
    chemicals, mold spores, dried food particles, clothing and bedding
    fibers, soil tracked in from the outdoors, pet dander, and dead human
    skin cells. Yuck! Unless you walk around in a plastic bubble, you can’t
    avoid all of them. Every time you walk outside to go to work or school,
    you bring at least some of these allergens into your home with you.
    You
    might think with good reason that hard-surface floors are easier to
    keep clean because you can actually see the dirt you just cleaned up.
    Take a look at the dust drifting through a sunbeam right after you’ve
    swept the floor. That stuff floats around until it settles back on to
    the floor and furniture. When you walk across the floor, you disturb
    the dust and it starts floating around again where you breathe it in.
    That’s not allergen-free living, is it?
    If you’ve ever fallen off a
    bike or if you are middle-aged, you probably know that gravity isn’t
    your friend. If you have allergies, sometimes gravity can work in your
    favor, though. Gravity causes allergens to settle back to the floor.
    Here’s the beauty of carpeted flooring. Carpeting is actually the
    biggest filtration device in your house. Dirt and allergens settle into
    the carpeting fibers where they remain trapped and can’t drift around.
    All
    those yucky things we mentioned above are now trapped in your
    carpeting. Daily vacuuming is your best friend in removing some
    allergens from your indoor environment, as long as you take the vacuum
    outdoors to clean it afterward. Otherwise, you’re recontaminating your
    house with all the dust that puffs out of the filters and bags. Most
    household vacuums don’t have enough suction to pull everything out of
    your carpeting. Periodically, you’re going to need to bring in a hired
    gun, a professional carpet cleaning service.
    You already have enough
    problems with indoor air quality. You don’t want to add to them by
    using a carpet-cleaning service that depends on toxic cleaning
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    while they’re being used, they often leave behind residues in your
    carpeting that you will be breathing in for months.
    This is where
    our all natural cleaning methods come in. We use soft water that makes
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    because it doesn’t leave a residue behind on the fibers. We move your
    furniture around as we clean so we get into all those nooks and
    crannies where allergens like to lurk.
    We’ve been clean carpeting for over 20 years in organic carpet cleaners new jersey all natural carpet cleaners NJ
    and I learned early on that organic cleaners not only work better, but
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  • History of Laguna Woods Village, formerly Leisure World

    therealtor37 7:14 pm on December 9, 2008 | 0 Permalink | Reply
    Tags: , , , , , , Leisure World Real Estate, , Senior Golf Community

    Leisure World, Laguna Hills, California (now referred to as Laguna Woods Village in the City of Laguna Woods) is the nation’s leading planned residential community for seniors. It was conceived and developed by Ross W. Cortese, who built the first Leisure World in Seal Beach, California in 1960. Cortese, a man of unlimited vision, believed that a void in housing existed for a person age 52 and over.


    To find out what Seniors wanted he talked to civic leaders, doctors, clergy and groups of older people. He discovered that Seniors, those 52 and over, wanted a fresh new start in their lives after raising a family, fulfilling a career and, basically, just wanted to be free of household duties and the maintenance and up keep of a home. They wanted to enjoy their “Golden Years”!


    Based on his research Cortese, working with a team of planners, architects, builders and designers, started Leisure World in Laguna Hills in 1963. His concept was to build a community that would cater to the needs of seniors.


    The first manor (residence) was completed in November 1964 and the last manor in September 1980. Leisure World (the name was changed to Laguna Woods Village in October 2005) has approximately (2008 figure) 18,000 people who live in one of the 12,736 residential units (6,323 co-ops, 6102 condos and 311 units in two tower buildings), 7 clubhouse (originally 6 were constructed, but a 7th was added in 2005), 5 swimming pools, 10 tennis courts, 2 golf courses, an equestrian center, 10 craft shops, 2 garden centers, 2 RV storage areas, a library, 2 fully equipped fitness centers and over 200 clubs and organizations for residents to participate in. Add to this a “free” community bus service and a residence security service that patrols the 2,095 acres and mans the various entrance gates.


    When completed Leisure World contained all the elements that Ross Cortese had envisioned in the early 1960’s, security, access to local health care facilities, nearby shopping, good transportation, cultural events and programs, excellent housing, recreational and educational opportunities and various other activities designed for Seniors to ensure their freedom and the opportunity to enjoy their “Golden Years”.


    Right now it is a “buyer’s market” and we have many fine homes ranging in price from $122,000 on up to $350,000.  Patrick McNamee of Century 21 Rainbow Realty is an expert in this area, please check out his web site to get more real estate information about this active senior community: http://www.leisureworldre.com


    Article contributed by Frank J. Hill, Broker/Owner Century 21 Rainbow Realty
    Used with permission

     

  • Financial Requirements for Purchasing in Laguna Woods Village, formerly Leisure World

    therealtor37 3:52 pm on November 7, 2008 | 0 Permalink | Reply
    Tags: , , , , leisure world ca,

    Although Laguna Woods Village is one of the most affordable senior communities in Southern California, there are still financial requirements for purchasing a home in Laguna Woods Village.  For a Co-op, you need $125,000 in liquid, marketable, or income producing assets above the purchase price and $36,000 per year in income…  Now, family can co-sign with the resident (i.e. – your sister and you and help out your dad) in order to reach the financial requirements.  “Assets” can include equity in a property (do you or your sister own a home?), 401 k, IRA, stocks and bonds, income producing property, etc.
     
    It is very common for a daughter or son to “go on title” 1% so their finances can help their parents move into Laguna Woods Village…  Also, another bit of information or “work around” that we have is any resident that gets a loan for more than 50% of the purchase price (i.e. – put down 20% cash and get a loan for 80% of the purchase price as an example) the financial requirements “may be waived” upon the judgment of the board.  We have found that the financial requirements will be waived for one or the other of the requirements if the resident gets a loan for more than 50% of the purchase price.  In other words, if you meet the income requirements but not the asset requirements – you are in – typically.


    I don’t know if these financial requirements help in making the City of Laguna Woods one of the “Top 10 Safest Cities in the Nation”, which it is, but it sure can’t hurt!


    Please see my web site if you have any further questions or would like more information about the active senior community of Laguna Woods Village, formerly Leisure World, at: http://www.leisureworldre.com

     

  • How to Analyze Commercial Properties

    rickh 12:17 pm on October 29, 2008 | 0 Permalink | Reply
    Tags: commercial finance, , commercial mortgages, Lorenzo Hills

    Financing commercial properties or income-producing real estate is not an exact science. It requires subjective analysis, experience, and an ability to be innovative and creative. It is especially important to know the fundamentals lenders will be looking closely at in order to fund a specific type of commercial property.

    But one thing is certain. Across all commercial property types, some fundamentals do not change. Virtually every commercial project is analyzed by location, physical property and borrower strength.

    Generally, the location must be suitable for the project. The location elements that commercial lenders typically consider are:

     - Compatibility with environment
     - Functionality of entrances and exits
     - Transportation options
     - Workforce potential
     - Utilities and zoning in the area
     - Other characteristics of the location and market

    Lorenzo Hills, managing director of East Coast Commercial Finance, is responsible for the origination, analysis and placement of real estate debt and equity investments nationwide. Lorenzo is located in Charlotte, N.C., and can be reached at 980-226-6746.

     

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