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Each month, we publish a series of articles of interest to homeowners -- money-saving tips, household safety checklists, home improvement advice, real estate insider secrets, etc. Whether you currently are in the market for a new home, or not, we hope that this information is of value to you. Please feel free to pass these articles on to your family and friends. |
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FEATURE REPORT |
While we don't like to talk about it - or even think about it - crime
is on the increase in North America, and throughout the world. The number
of burglars, muggers, auto thieves, robbers, purse snatchers, etc., is
growing at an alarming rate.
Now you, as a resident, working with neighbors can help reduce the crime rate.
For the complete story, click here...
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Also This Month... |
Unlike the experience of buying a first home, when you’re looking to
move-up, and already own a home, there are certain factors that can complicate
the situation. It’s very important for you to consider these issues before you
list your home for sale.
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When the temperature soars and humidity rises, it's time to take
precautions to avoid health consequences such as heat exhaustion, heat
stroke and overexposure to the sun. With heat exhaustion and stroke,
the most susceptible are seniors, children, and people with chronic
illnesses. However, everyone is at risk.
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How To Reduce Crime In Your Neighborhood
While we don't like to talk about it - or even think about it - crime is on
the increase in North America, and throughout the world. The number of burglars,
muggers, auto thieves, robbers, purse snatchers, etc., is growing at an alarming
rate. Now you, as a resident, working with neighbors can help reduce the crime
rate.
How? By organizing and/or joining a neighborhood program in which you and
your neighbors get together to learn how to protect yourselves, your family,
your home and your property. Working together, you can get the criminals off
your block and out of your area.
There's safety in numbers and power through working with a group. You'll get
to know your neighbors better, and working with them you can reduce crime,
develop a more united community, provide an avenue of communications between
police and citizens, establish on-going crime prevention techniques in your
neighborhood, and renew citizen interest in community activity.
"Citizens Safety Projects" are set up to help you do this. It is a
joint effort between private citizens and local police. Such programs have been
started all over. Maybe one already exists in your community.
These organizations don't require frequent meetings (once a month or so).
They don't ask anyone to take personal risks to prevent crime. They leave the
responsibility for catching criminals where it belongs - with the police. This
is NOT a "vigilante" group.
These groups gather citizens together to learn crime prevention from local
authorities. You cooperate with your neighbors to report suspicious activities
in the neighborhood, to keep an eye on homes when the resident is away, and to
keep everyone in the area mindful of the standard precautions for property and
self that should always be taken. Criminals avoid neighborhoods where such
groups exist.
Through cooperation with local law enforcement agencies, some of the things
you will learn - and all free - are:
- What to do in an emergency.
- How to best identify a suspicious person.
- How to identify a vehicle being used in a suspected criminal activity.
- Signs to watch out for before entering a house or apartment that may be in
the process of being burglarized.
- What to do in case of injury.
- What to do about suspicious people loitering on your street.
- How to identify stolen merchandise.
- How to recognize auto theft in progress.
- How to protect your house or apartment.
- How to recognize a burglary in progress.
- How to protect yourself and family - and much more.
It's easy to get your group started. All you have to do is contact your
neighbors and arrange a date, place and time for the first meeting. Hold the
meetings at your home or that of a neighbor. Try to plan a time that is
convenient to most of your neighbors - preferably in the evening.
Then call your local police department. They will be happy to give your group
informal lectures, free literature - and in many instances, window stickers and
ID cards. Remember, police officers can't be everywhere. Your cooperation with
them is for the benefit of you, your family, your neighbors and your
neighborhood.
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6 Mistakes To Avoid When Trading Up to a Larger Home
".....you have to sell your present home at exactly the
right time in order to avoid either the financial burden of owning two homes or,
just as bad, the dilemma of having no place to live during the gap between
closings...."
Unlike the experience of buying a first home, when you’re looking to
move-up, and already own a home, there are certain factors that can complicate
the situation. It’s very important for you to consider these issues before you
list your home for sale.
Not only is there the issue of financing to consider, but you also have to
sell your present home at exactly the right time in order to avoid either the
financial burden of owning two homes or, just as bad, the dilemma of having no
place to live during the gap between closings.
Six Strategies
In this report, we outline the six most common mistakes homeowners make when
moving to a larger home. Knowledge of these six mistakes, and the strategies to
overcome them, will help you make informed choices before you put your existing
home on the market.
1. Rose-colored glasses
Most of us dream of improving our lifestyle and moving to a larger home. The
problem is that there's sometimes a discrepancy between our hearts and our bank
accounts. You drive by a home that you fall in love with only to find that it's
already sold or that it’s more than what you are willing to pay. Most
homeowners get caught in this hit or miss strategy of house hunting when there's
a much easier way of going about the process. For example, find out if your
agent offers a Buyer Profile System or House-hunting Service, which takes
the guesswork away and helps to put you in the home of your dreams. This type of
program will cross match your criteria with ALL available homes on the market
and supply you with printed information on an ongoing basis. A program like
this helps homeowners take off their rose-colored glasses and, affordably, move
into the home of their dreams.
2. Failing to make necessary improvements
If you want to get the best price for the home you're selling, there will
certainly be things you can do to enhance it in a prospective buyer's eyes.
These fix ups don't necessarily have to be expensive. But even if you do have to
make a minor investment, it will often come back to you ten fold in the price
you are able to get when you sell. It's very important that these improvements
be made before you put your home on the market. If cash is tight, investigate an
equity loan that you can repay on closing.
3. Not selling first
You should plan to sell before you buy. This way you will not find yourself
at a disadvantage at the negotiating table, feeling pressured to accept an offer
that is below market value because you have to meet a purchase deadline. If
you've already sold your home, you can buy your next one with no strings
attached. If you do get a tempting offer on your home but haven't made
significant headway on finding your next home, you might want to put in a
contingency clause in the sale contract which gives you a reasonable time to
find a home to buy. If the market is slow and you find your home is not selling
as quickly as you anticipated, another option could be renting your home and
putting it up on the market later - particularly if you are selling a smaller,
starter home. You'll have to investigate the tax rules if you choose this latter
option. Better still, find a way to eliminate this situation altogether by
getting your agent to guarantee the sale of your present home (see point number
5 below).
4. Failing to get a pre-approved mortgage
Pre-approval is a very simple process that many homeowners fail to take
advantage of. While it doesn't cost or obligate you to anything, pre-approval
gives you a significant advantage when you put an offer on the home you want to
purchase because you know exactly how much house you can afford, and you already
have the green light from your lending institution. With a pre-approved
mortgage, your offer will be viewed far more favorably by a seller - sometimes
even if it's a little lower than another offer that's contingent on financing.
Don't fail to take this important step.
5. Getting caught in the Real Estate Catch 22
Your biggest dilemma when buying and selling is deciding which to do first.
Point number 3 above advises you to sell first. However there are ways to
eliminate this dilemma altogether. Some agents offer a Guaranteed Sale Trade-Up
Program that actually takes the problem away from you entirely by guaranteeing
the sale of your present home before you take possession of your next one. If
you find a home you wish to purchase and have not sold your current home yet,
they will buy your home from you themselves so you can make your move free of
stress and worry.
6. Failing to coordinate closings
With two major transactions to coordinate together with all the people
involved such as mortgage experts, appraisers, lawyers, loan officers, title
company representatives, home inspectors or pest inspectors the chances of
mix ups and miscommunication go up dramatically. To avoid a logistical nightmare
ensure you work closely with your agent.
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Summer Health Dangers
When the temperature soars and humidity rises, it's time to take
precautions to avoid health consequences such as heat exhaustion, heat
stroke and overexposure to the sun. With heat exhaustion and stroke, the
most susceptible are seniors, children, and people with chronic illnesses.
However, everyone is at risk. The early symptoms of heat exhaustion can
sneak up on us. Some people feel a bit light headed and weak and might have
a touch of nausea. The serious problems develop when symptoms are ignored
and additional fluids are not taken right away. The primary cause of heat
exhaustion is dehydration and a loss of electrolytes such as sodium.
Generally, try to stay well hydrated and take in extra salt (for those of
you who can use salt). Drink even though you don't feel like it - you can't
count on your thirst mechanism to prompt you. Here are the major symptoms of
heat exhaustion and heat stroke and some safety tips to help you cope with
health emergencies during the dog days of summer.
Symptoms of heat exhaustion include:
- Body temperature usually normal or only slightly elevated.
- Dry mouth.
- Fatigue, weakness.
- Dizziness.
- Headache.
- Nausea, sometimes vomiting.
- Weak and rapid pulse.
- Sweating.
- Cool, clammy, pale skin.
NOTE: Symptoms take time to develop - sometimes several hours after
dehydration occurs.
Treatments for heat exhaustion:
- Get out of the sun and into a cool place.
- Drink more fluids (electrolyte sports drinks may help), but don't
drink too fast or you could become nauseous.
- Eat salty snacks.
- Rest.
- Loosen clothing.
Be aware that heat stroke can come after heat exhaustion, but it can also
develop quickly and independently if one's core body temperature rises too
high.
Symptoms of heat stroke include:
- Very high body temperature (103 degrees or higher).
- Hot, dry, red skin.
- No sweating.
- Disorientation, hallucinations, delirium.
- Rapid breathing and fast pulse, then slow breathing and weak pulse.
- Convulsions.
- Loss of consciousness.
NOTE: Symptoms can come on quickly. Heat stroke can occur within 10 - 15
minutes of the first symptoms. If treatment is not given immediately,
permanent damage can occur to internal organs.
HEAT STROKE IS A MEDICAL EMERGENCY. CALL 9-1-1 OR TRANSPORT VICTIM TO A
HOSPITAL IMMEDIATELY.
Immediate care for a heat stroke victim includes:
- Move person to cool place indoors or in the shade outdoors.
- Lower body temperature as soon as possible.
- Remove clothing and wrap person in a wet sheet, or wet their cotton
clothing.
- Fan person with electric fan or manually (do not place wet items too
close to electric fan).
- Place ice packs or cold compresses on the neck, under armpits, and in
the groin area.
- If child is unconscious, carefully place them in cool water up to
their neck.
- If child is conscious, try to get them to drink cool water, slowly.
- Person may not be able to drink if delirious (do not force them).
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