How to Choose the Right Home for Your Family

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How to Choose the Right Home for Your Family

You’ve probably heard more than once that today’s perfect storm of low prices, high inventory, and affordable interest rates are making this the right time for you to buy that home you’ve always wanted. As you begin to shop around, however, there are several important criteria to consider in order to make the best choice for you and your family.

Discuss the following with your real estate agent before you begin looking for a home. This will help narrow down the choices and shorten the search process:

Type of home: One-story or two, single-family, duplex or condo? How will paying homeowner dues affect your overall buying power? Will a swimming pool be a bonus or a hindrance? Making these decisions in advance will help you focus on the right types of home to look at.

New or existing: A new home is all shiny and clean, but will carry with it some hefty initial costs such as landscaping and window coverings. Many builders are offering great deals on new homes that aren’t yet in move-in condition. Weigh the potential bargain against the costs involved in completing the home on your own. While these factors don’t come into play with existing homes, you need to assess its general condition, which will also impact your budget.

Features: Weigh the costs of gas vs. electric heating and cooling, the possible need for fencing, etc. How important is a fireplace? Does the home have enough bedrooms and bathrooms to support your family in the coming years?

Ease of maintenance: What is the condition of the roof? The appliances? Will you have to paint the interior or exterior and/or replace the carpeting? Be sure to factor in such costs in your budget and your negotiations.

Location: For many of today’s home buyers, it’s all about lifestyle. Do you want to be in the city or in the country? Nearer to libraries, parks and entertainment or set among tall trees and lakes? What about the need for public transportation? Nearby hospitals and schools?

Crime rate and public schools: Check with local enforcement and local residents to get a feeling for statistics and quality. Your real estate agent should be able to run detailed crime and school reports for your perusal.

Economic stability: Whether an area is growing or not can affect its future property value – as will the economic stability of the area.

Property tax: Examine the annual amount of real estate taxes and other assessments levied in the neighborhoods you are considering.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi BCorsi@Rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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Smart Lighting Choices for Inside and Out

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Smart Lighting Choices for Inside and Out

No matter how great a room looks during the day, the right lighting makes all the difference at night. Effective lighting can even bring the not-so-favorite areas of your home to life, whether it’s indoors or out. The right type of lighting can make a difference not only in mood and atmosphere, but in efficiency and cost as well.

The U.S. Department of Energy offers the following guide to lighting options. Consider these options before remodeling an interior room or updating an outdoor area:

• Incandescent bulbs – The most common type of home lighting, incandescent bulbs light instantly, provide good light and color rendition, and may be dimmed as desired. Although they are the least expensive to buy, their short life and low efficacy compared to other lights may make them more expensive in the long run.
• Fluorescents – These bulbs use 25% to 35% of the energy used by incandescents and last about ten times longer. Improvements in technology have eliminated the flicker and noise associated with old fluorescents, delivering color temperature and color rendition comparable to incandescents. This lighting is great for kitchens and workrooms.
• Compact fluorescent lights (CFL) – These curly looking bulbs produce the same light as incandescents at just 20% of the power. They are a great choice for your lamps in most living areas.
• Halogen lights – Burning brighter and hotter than incandescent bulbs, halogen lights produce brilliant white light and have a longer service life. But they are more expensive and their hotter temperature could be hazardous in certain areas.
• High intensity discharge lights – These provide the highest efficacy and longest service life of any lighting type, and can save 75% to 90% of lighting energy when they replace incandescent bulbs. Because they take a few minutes to produce light when first turned on, they are best for areas where they stay on for hours at a time.
• Outdoor solar lighting – These lights are easy to install, are virtually maintenance free, and provide totally free electricity. Using solar cells, they convert sunlight into electricity, which is stored for use at night.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi BCorsi@Rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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Do You Have the Right Coverage? Take an Insurance Check-up

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Do You Have the Right Coverage? Take an Insurance Check-up

Insurance is a necessary part of life—it helps provide us with important peace of mind and financial security. But are you aware that your insurance needs change as you pass through life’s many chapters? Adapting your insurance coverage accordingly is critical to your future. He are some key insurance stages to be aware of from the Federal Citizen Information Center:

Teen and College Years. A new driver’s license in the household calls for additional auto insurance. Coverage is cheapest for teens added to the family’s policy. Full-time students are generally covered by family health policies until age 23 or graduated, but check with your company to see if supplemental coverage is needed. The same is true for personal property insurance. Students living at home or on campus are covered by the family’s policy, but students living in off-campus housing may require renter’s insurance to cover personal property.

Married and Starting a Family. Merging two households and two careers means reconsidering insurance needs. Most people get health insurance through their employers. If there is a choice, compare costs, coverage and co-pays and choose the best option. Married people generally get lower auto insurance rates than single people, so check with your company to see if you qualify. If you buy a home, you will need homeowner’s insurance, and make sure it keeps pace with your growing family. Once children arrive, it is time to purchase life insurance. Look into the various term (death benefit only) policies and cash value insurance before you decide on coverage. Finally, middle age is the most cost-effective time to look into long-term care insurance.

Senior Years. Most auto insurance companies give discounts to adults up to age 70. As rates rise, have frequent eye and health exams to decide when or whether you may wish to stop driving. Also, some states offer discounts to seniors who take special senior driving courses. As for home insurance, you need to maintain fire, theft and natural disaster coverage even if you have paid off the mortgage. Retirees can still get life insurance, but should expect to pay more for it, and premiums will go up as term policies come up for renewal. Premiums must continue to be paid for cash-value policies. As for health insurance, anyone enrolled in Social Security is automatically signed up for Medicare, but you may need to buy supplemental Medicare insurance if you are no longer covered by a group policy. Finally, if you have long-term care insurance, benefits kick in only if you have lost the ability to perform at least two activities of daily living, such as bathing, dressing, mobility or continence.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi BCorsi@Rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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Why Sellers Should Consider a Pre-Inspection

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Why Sellers Should Consider a Pre-Inspection

Traditionally in the real estate process, an inspection is requested by a home buyer around the time they are applying for a mortgage. In fact, more than 85% of home buyers request an inspection as a way to uncover hidden faults and costly repairs that may need to be taken care of. In today’s buyer’s market, revealing such faults prior to closing can serve as a bargaining chip for sellers, forcing the seller to either accept a lower price or foot the bill for repairs prior to closing.

That’s why an increasingly important strategy for home sellers in today’s market is to have your property inspected before even putting it on the market. Here are some reasons why:

• When potential buyers are considering your home, knowing that an inspection has already been done can make your home much more attractive to them. A pre-inspection can give you an important competitive edge by making buyers more confident about placing a bid on your home; with a pre-inspection, buyers know there will be no hidden surprises awaiting them down the road.
• If defects are uncovered once the buyer has already placed a bid and is applying for a mortgage, you are suddenly under the gun to either accept a lower offer or cough up the funds for repairs. Conversely, a pre-inspection allows you to take care of any repairs within your own timeframe. If expensive repairs are uncovered before putting your home on the market, you can budget accordingly over a period of time and comparison shop for the best pricing.
• A pre-inspection also allows you to decide which repairs are not necessary before putting your home on the market. Certain problems you might have been worried about may turn out not to be as bad as you originally thought…and, therefore, not make a difference in how you price your home.
• Having a pre-inspection affords you more control in the negotiating process. Being aware of your home’s pros and cons in advance, helps put you in the driver’s seat when it comes to price negotiations. In fact, a pre-inspection allows you to price your home more accurately in the first place.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi BCorsi@Rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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5 Real Estate Trends to Watch For

Hello, Valued Member! Top 5 in Real Estate Network® Members are dedicated to providing you with the most up-to-date, helpful real estate information. This monthly newsletter, "Real Estate Matters," offers articles on a range of topics that will inform you in your real estate pursuits. Having trouble seeing this email? Click to view it as a web page. Add newsletter@rismedia.com to your address book to ensure email delivery. Buying Selling Owning Financing Home Improvement My Website My Listings Barbara Corsi GRI, SRES Realtor J. Rockcliff Realtors My Website Member, Top 5 in Real Estate Phone: 925-253-7045 Mobile: 925-788-7589 Fax: 925-402-8022 BCorsi@Rockcliff.com Top 5 Members are uniquely qualified to not only help you get educated on important information related to your real estate interests and pursuits, but make them as effortless as possible. Only Top 5 Members can provide you with the kind of exclusive information found here in Real Estate Matters - a monthly look at what's really happening in the housing market. It's a privilege to provide you with this important information. Enjoy this monthly e-newsletter, and as always, your feedback is welcomed - call or email any time! This Month's Top Story 5 Real Estate Trends to Watch For RISMEDIA, Wednesday, July 06, 2011—If the housing market were human, it would look like it just wrestled a few alligators, after running an obstacle course through a snake pit. The market is beaten and bruised, but still trying to emerge from the recession, which is why Greg Rand, a 20-year real estate veteran and author of Crash Boom from Career Press, wants people to know about five new trends that could help them beat the housing blues. More Top Stories How to Avoid Roofing Scams:10 Questions to Ask Before Installing a New Roof RISMEDIA, Wednesday, July 06, 2011—Following the recent severe weather, "storm chasing" contractors may begin showing up in affected areas, offering questionable products and services to homeowners looking to repair or replace a roof. Promising rock-bottom prices and quick turnaround for a new roof, these often unlicensed and untrained home improvement renegades prey on consumers when they're most vulnerable. Voters Strongly Support Politicians Who Embrace Pro-Housing Policies, Mortgage Deduction RISMEDIA, Wednesday, July 06, 2011—Nearly three out of four American voters believe that it is reasonable and appropriate for the federal government to provide tax incentives to promote homeownership—a sentiment that cuts across partisan and regional lines across the country, according to a recent poll conducted on behalf of the National Association of Home Builders (NAHB). Further, an overwhelming majority of respondents oppose eliminating the mortgage interest deduction and would be less likely to support a candidate for Congress who wants to do away with this vital tax incentive. Biggest Generations Will Redefine Cities and Suburbs RISMEDIA, Wednesday, July 06, 2011—The largest generations in the nation’s history, Baby Boomers and their children, will be hugely influential in redefining living and working environments for decades to come. Common Sense Safety Tips for Summer Travel RISMEDIA, Wednesday, July 06, 2011—School is out, graduations are over and the official start of summer is near. Whether you have longstanding travel plans, a last minute road trip in mind, or just sticking around town this summer, the California Office of Traffic Safety (OTS) reminds you to give some thought to your summer travel to ensure everyone arrives safely and can enjoy the trip. Have You Heard About The Top 5 Real Estate Social Networking SystemSM? Sign up to receive my free, weekly e-Articles - brief, compelling, home-related informational articles that you or your family and friends will find helpful in pursuing your real estate goals! Here are some article samples recently sent out to my Real Estate Social Network: Top 10 Ways to Improve Your Car's Mileage Top 10 Ways to Prevent Roof Leaks 11 Ways to Move on a Budget Owning a Home Essential to the American Dream, Survey Shows Email me for more information. * This monthly newsletter is brought to you by your Top 5 in Real Estate Network® Member Agent and is intended as educational information only. RISMedia's Top 5 Real Estate Network® is a network created by, for, and of "leading real estate professionals" who are dedicated to providing "leading real estate information to consumers." The RISMedia Top 5 in Real Estate Network is backed by the commitment and resources of RISMedia. Top 5 was created to fill a profound void in how high-impact consumer relevant information was presented by leading real estate industry members to increasingly sophisticated, discerning, and demanding consumers, in order to both sustain and elevate the ongoing viability and appeal of the industry's leading professionals. For more information, visit www.top5inrealestate.com RISMedia, publisher of Real Estate magazine, is dedicated to providing real estate professionals with the most up-to-date news, information and business development resources in the industry. To submit questions, comments, suggestion, press releases or story ideas, please e-mail realestatemagazinefeedback@rismedia.com. RISMedia, Inc./Top 5 in Real Estate Network® 69 East Avenue, Norwalk, Connecticut 06851 P (203) 855-1234 F(203) 852-7208 www.top5inrealestate.com © 2010. RISMedia, Inc. All Rights Reserved. This email is intended for: bcorsi3.lizzie17@blogger.com. 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