Monday, July 18, 2011

6 Steps To Living in a House While it is on the Market

Living in a house while it is on the market is a stressful endeavour. It is extremely challenging to present and maintain a home that is neat and clean at any given moment. It takes considerable energy to leave your house in the morning with not a coffee cup in sight or a wet towel hanging in the bathroom.

I recommend my clients follow the six following steps to lessen their stress and anxiety.

Step One: Change your mind set about how you view your home. It is now the largest investment of your life that you want to sell. It is no longer your home but a house that you want to market. Hire a professional Realtor and Stager to assist you in evaluating your home from a third-person perspective. You have lived in the space and no longer can see it as a potential buyer will.

Step Two: Move most of your belongings into storage. All cabinets and closets should be cleared with only those items you really need for the next two months remaining.  This will allow potential buyers to see the size and space of these storage places. Follow the recommendations of your Stager and remove all furnishings, art and accessories that he/she outlines.

Step Three: Live with Less. You can live with only one TV in the house for a short period of time. I once had a client who refused to remove a large, ill-placed storage table from her kitchen because where else would she store all her spices? The kitchen was large yet she was unwilling to edit her cabinets and pack up those holiday platters to make room for the items she truly needed while the house was on the market. She was sabotaging her own sell.  Let go of your stuff. You will get it back in the new house.

Step Four: Don't try to do it all yourself.  Hire house cleaners, window washers, gardeners and a handy man to properly prepare your home so you can concentrate on other things and not become overwhelmed. I recommend hiring a weekly housekeeper to come in just prior to the Open Houses for a quick clean to get it "model home" ready. Most house cleaners will discount their services for repeat business.

Step Five: Eat Out More Often. Keeping a kitchen clean can be difficult if you are cooking meals every day. Unless you have the time and energy to spit-clean that stove every morning  I would recommend you let someone else do the cooking. It also helps eliminate any cooking odors which could be offensive to a potential buyer.

Step Six: Plan some vacation time. The first two weeks that your house is on the market is the perfect time to take that much needed vacation. This is the time period that has the most market activity and your home can now be shown at any time of the day or evening. Don't go anywhere that you cannot be reached by phone so you can be available to accept that first great offer!

Please give me a call if you need any assistance or have questions.

Biggest First-Time Homebuyer Mistakes to Avoid



Looking for your first home can be an exciting experience, but it can easily get overwhelming. There are some mistakes that are pretty easy to make if you aren’t familiar with real estate.

Looking Without Knowing Your Price Range
This is a waste of time for you and your real estate agent. It can give you the wrong idea of a realistic fit for your financial situation. The first thing you should do is sit down and figure out what you can afford. Once you’ve done that, your Realtor can show you houses that fit your price range.


Discounting a Great Home Because of Decor
Just because you can’t afford to replace the hideous wallpaper right now doesn’t mean you won’t be able to soon. Getting too picky over small details that can be changed could keep you from ending up in your dream home. Use your imagination and visualize what the house could be like after you’ve put your touch on it.


Shopping Without A Mortgage Pre-Approval
What you have determined you can afford and what banks are willing to lend might not be the same thing. If you go into contract on a home and can’t get the loan you need, you will have wasted a lot of people’s time and gotten your hopes up. Contact a mortgage professional in order to get qualified for a loan before you do any serious house-hunting.

Saturday, July 16, 2011

organize your closet...organize your life...

as a wardrobe consultant...one of the services that i offer is a "closet audit"...i have many people ask me what that is and/or what it entails...

so...i thought i would let you know...

imagine...

a closet brimming with possibilities...

the allure is hard to resist for the modern man & woman...
but most of our closets are full of almost - not quite right - basics...

with so many choices, getting dressed actually can be stressful, a time waster and an energy zapper...for most of us, we wear only a small percentage of what is in our closet...

if you can relate to and answer yes to any of these questions, you owe yourself some relief...now!

do you agonize over what to wear?
do you feel you have nothing to wear to special events?
do you change outfits two or three times?
do you find it difficult to accessorize your outfits?
basically, do your clothes say what you want them to say about you?
do you feel great in every outfit you wear?

the closet audit will pare down in every category; only pieces that fit right now, that are in the best quality fabrics and in the best condition...the result will be a closet of wardrobe pieces that work today, look fabulous and suit your lifestyle...

you should be able to be dressed for any occasion in 5 minutes...

less stress, more time, more energy!

as your professional fashion and wardrobe consultant, i offer this service to my clients...in approximately 3 hours, together we can clean out and organize your closet to allow you a delightful experience in the process of getting dressed every day!

please contact me to schedule your closet audit today! and if you are not in the california bay area...look up a consultant that could help you...at times this "project" can seem overwhelming...but a good keen set of eyes can make all the difference...

"Creating a stylish unique image is often the key to positive self-esteem and success in both business and social spheres."

fabulous finds
elena daciuk
fabulous.finds@yahoo.com
415.577.6133


Thursday, July 7, 2011

Top 5 Questions to Ask When Hiring A Wedding Photographer

Hiring a wedding photographer is easy if you ask the right questions and make sure you "click" with your photographer.

1. Describe your photography style.
Before you even meet with a wedding photographer, look them up on the web and see if you like the style of their photography. When you meet with the photographer ask to see samples of their printed work because viewing photos in print versus on the web are two different things.

2. Can you walk me through your wedding process?
Each wedding photographer operates a little differently. Some use a second photographer, portable lighting, or a “shot list” to ensure that they get all the photos a couple wants. Others have a different process, so be sure to find someone that you feel most comfortable with.

3. What is included in the wedding package?
You will want to know exactly what is included in the package and if there are any additional costs. Also, find out how many hours are covered and what additional hours cost.


4. Are the photo proofs retouched? Are the final images retouched?
Depending on the photographer, photos may be retouched before you see the proofs. However, not everyone retouches the proofs or they may only retouch a select few. Be sure to ask beforehand and if there is a charge for additional retouching.

5. What happens if you can't make the wedding?
Asking the dreaded questions are always hard, but it will give you peace of mind in the end. You want to know what the backup plan is if the photographer you hired can't make the wedding due to some unforeseen event.


Rhonda Giedt Photography

Chasing Babies and Brides

www.PhotosByRhonda.com


Wednesday, July 6, 2011

You get what you pay for…


When you are buying a home or a condo, you should make sure to negotiate a contingency period to do your own inspections and reports on the home. Knowing as much about the property you are buying is critical in making decisions. In this tough economic time, a new trend has emerged… Buyers are requesting discount pricing on home and pest inspections. Your Realtor has a handful of qualified and professional inspectors he or she works with and trusts to do a thorough job for you. Sometimes these inspectors are willing to give a small discount but most are not. The good inspectors take their time during their on-site inspection and go into specific details on the actual report itself. Both the inspection and report creation take time. Before you accept a lower bid on an inspection, take a look at yelp and other online sources to see what other people are saying about the low price inspector or inspection company. Saving $50-$150 on one of the most important reports you will order in your life does not make good sense. Try to save money in other ways! At the end of the day… from personal experience… When in comes to inspectors… you get what you pay for.

To learn more about important things to know when buying a home, you are welcome to attend our Home Buying Class in Burlingame on July 23. RSVP HERE: Event Website.

Post by Aimee Klarich
Alain Pinel Realtors- Burlingame
DRE 01765417
www.AimeeKlarich.com
aklarich@apr.com
650.483.3795

Sunday, July 3, 2011

Veteran (VA) Refinance Loans - Are you missing out?

Happy 4th of July!



With the holiday in sight, it is important for our Veterans to know the options they have available. I found this great article on line to share with you and hopefully for you to pass on to anyone you know that this may apply to...






Author: Gina Pogol



"Believe it or not, many people who are eligible for VA home loans actually wind up taking out conventional mortgages to buy or refinance their homes. "I've been finding that there are retired veterans who didn't realize that refinancing to a VA loan from their conventional loan was even an option," says Tim Storm, a certified mortgage planning specialist and mortgage blogger from Orange County, Calif.
If you are eligible for a VA home loan but have a conventional mortgage, you probably had good reason for choosing the non-VA loan, such as:


  1. You needed a sub-prime mortgage

  2. You couldn't properly document your income

  3. You had a down payment and chose to avoid the VA funding fee

  4. You wanted a Pay Option ARM, interest-only mortgage or other exotic loan

  5. Your home's price exceeded the VA limits

  6. Your condo was not VA-approved

Today, however, it may be to your advantage to refinance to a VA mortgage if you qualify. If you have improved your credit, been self-employed long enough for your income to be counted, if your condo has obtained VA approval, or if you can get a better interest rate with VA financing, it's time to think about making the switch.


VA loans can be better for those with less equity
"With the drop in property values over the past four or five years, borrowers who had 20 percent equity or more are now in a situation where they have no equity," says Storm. "Some are in 5-year ARMs and would like to refinance into a 30-year fixed loan. Some have a second mortgage or equity line and would like to combine the first and second into a new 30-year fixed mortgage. But without 20 percent equity they are not able to get into a low [-rate] conventional 30-year fixed loan without paying mortgage insurance. VA rates are low--in many cases lower than conventional rates--especially since VA does not have as many pricing adjustments for property type, FICO, LTV, etc."



Refinance your subprime loan to VA
The Veterans' Benefits Improvement Act of 2008 made it possible for veterans to refinance up to 100 percent of their homes' value, an increase over the previous limit of 90 percent. One reason for implementing this change was to "allow VA to assist a substantial number of veterans with subprime mortgages to refinance into a safer, more affordable, VA guaranteed loan," said Secretary of Veterans Affairs Dr. James B. Peake in a 2008 press release. "Veterans in financial distress due to high rate subprime mortgages are potentially the greatest beneficiaries," he said.

If you're thinking about refinancing, check with an approved VA lender when you shop for your home loan. It might be the best choice for your next refinance."




For the full article please go to:


http://library.hsh.com/articles/refinancing/vets-dont-overlook-a-va-mortgage-for-your-next-refinance.html