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October 2011 Houston and National Housing Market Trends

by Lorna Calder

This month's featured video discusses Seller's Disclosures.  Sellers in the State of Texas are required by state property code to provide a disclosure to the prospective property buyer of any known material defects.  State law dictates that the seller of a residence is required to provide the buyer a complete and accurate disclosure of the condition of the property.

The state goes so far as to make it possible for the buyer to make the seller take back the home if the seller does not provide the disclosure.  There are some exceptions so ask your Realtor to help you understand these exemptions and whether any of them apply.  The single most common lawsuit is lack of a properly completed Seller's Disclosure. Lawsuits typically arise out of disputes between the buyer and seller about the level of infomration the seller had about the property at the time of the sale.  The Seller's Disclosure is a critical part of any real estate transaction.  A Realtor is always your best source of infomration for all your real estate needs...

If you have not reviewed my monthly Housing Trends Newsletter - you could be missing out. Everywhere I go, people are asking me about the housing market conditions - it's on everyone's mind. Staying abreast of local and national market conditions and factors that can affect the future sale or purchase of your home can make the decision process less daunting. I always tell my clients that in order to make the best decsion they need to have all the information they can upfont. My Housing Trends Newsletter is just one of the tools in my arsenal to make sure you keep informed.

The October 2011  Local and National Housing Trends has just been released. This month's newsletter is packed full of local and national housing market statitics and news you need to know to stay current with today's changing housing market.

This month's housing trends issue features:    

What Effects Credit Scores? 7 Misconceptions

What's Your Homes Walking Score?

12 Haunted Homes to Tour

Cool Driveways Are a Smart Approach

Tips to Increase Appraisal's Home Value

You can view the newsletter here.  

If you wish to receive FREE Housing Trends eNewsletter e-mailed to you monthly, click here to Subscribe.   

If you are considering selling your house or buying a home and need more information, I am never too busy to help, please contact me for more information.

 

Ready to Begin Again?

by Lorna Calder

Monday Morning Coffee

INSPIRATION FOR TODAY:

"Only the educated are free."
 
- Epictetus


READY TO BEGIN AGAIN?

Have a child or grandchild who graduated this last year?  Whether it's high school or college, commencement exercises mark the end of a full curriculum of education - or do they?  In fact, why not ask the graduate?

After four or more years of study, homework, reports, science projects, and exams, many graduates would quickly answer that commencement marks the end of their education.  In fact, you can often hear students reinforce that line of thinking in their lament, "I'll never pick up another book as long as I live!"

The definition of "commencement" leads, however, in another direction.  It is the beginning, not the end, of a bright future.  It is the beginning of a life-long quest for knowledge, not the slamming shut of the books that opened so many new doors.

If it's been a few years since you graduated, perhaps you might also benefit from a renewed commencement - by opening some new doors to your own life-long learning curve.  When's the last time you attended a workshop, bought a recorded educational series, or thought about taking college courses or embarking on a new degree track?

No longer are books the only on-ramp to education. Distance learning over the Internet, tapes, videos, workshops, seminars, and many other educational resources are yours for the taking.  Why not let your graduating family member be the inspiration for your own commencement?  

These Shoes Are Made For Walking!

by Lorna Calder

Monday Morning Coffee

INSPIRATION FOR TODAY:

"A single thorn of experience is worth a whole wilderness of warning."
 
- Unknown


THESE SHOES ARE MADE FOR WALKING!!

Remember one of the ancient sayings from your first-grade teacher?  It went something like this: "We learn to do by doing."  So . . . from "Chicken Soup" comes this story by John Holt:

"Not many years ago I began playing the cello.  Most people would say that what I am doing is 'learning to play' the cello.  But these words carry into our minds the strange idea that there exist two very different processes: 1) learning to play the cello; and 2) playing the cello.  They imply that I will do the first until I have completed it, at which point I will stop the first process and begin the second.  In short, I will go on 'learning to play' until I have 'learned to play' and then I will begin to play.  Of course, this is nonsense.  There are not two processes, but one.  We learn to do something by doing it.  There is no other way."

How do we learn to swim?  Do we get the basics in a classroom, taught to us on a chalkboard, and then hit the pool like Mark Spitz or Esther Williams?  How about riding a bike?  Do we study the laws of physics, the effects of gravitational pull, or other Einstein-like theories, and then launch ourselves into the top spot in the "Tour de France?"  No - we just fall down and scrape our knees a lot.

Want to add new direction to your life?  Begin walking in that direction.  Put one foot in front of the other.  In other words, "Just do it!"  It all begins with your imagination harnessing the power of your mind and the energy of your body.  Once you choose a new role for your life, don't learn the part - act the part.  One other thing - don't let that "single thorn of experience" deter you!

 

Leave a Legacy!

by Lorna Calder

Monday Morning Coffee

INSPIRATION FOR TODAY:

"If your riches are yours, why don't you take them to t'other world?"
 
- Benjamin Franklin


LEAVE A LEGACY!

In one of William Bennett's books, he tells a story about Ben Franklin's death. It seems that old Ben made a special gift in his will. In it, he left 1,000 pounds to the cities of Philadelphia and Boston with specific instructions. They were to set up a program of loans to young men under the age of 25, married, and who had successfully completed an apprenticeship, needing startup money for a trade or business. The money was to be loaned at 5% interest. The loan program was to continue for 200 years.

At the end of 100 years, the two cities were to withdraw $100,000 each for public projects, and continue lending the balance as stated above. At the end of 200 years, the fund was to be split between Philadelphia, Pennsylvania, Boston, and Massachusetts. In the year 1990 there was $6,500,000 in the fund. For 200 years, Ben Franklin helped young men get started in business by making those funds available, and had $6.5 million left over.

Just think of the many ways you and I could benefit our families, the community, or the lives of total strangers if we just took the initiative exhibited by Ben Franklin. By setting up a similar fund that earns just 5%, it would contain $17,292,581 at the end of 200 years. The purpose could be educational loans for family members.

Set aside $1,000 now and add just $100 per month to it for ten years, earning 5% on loans made from the account, and the fund would have $17,157. After the ten-year period of adding $100 per month, no more money is added and it continues to be loaned at 5% for the next 190 years. At the end of 200 years, the fund would contain $181,141,192. At that point, it could be converted to an outright "grant" program to which family members could apply for education funds.

Instead of focusing on just your immediate family, think about the legacy you could leave by planning much further into the future. Thanks to the "future value of money" concept, you could provide valuable support to many future generations. It's just a thought, but why couldn't we give it a try?

 

 

"No matter where you go, there you are."

by Lorna Calder

Monday Morning Coffee

INSPIRATION FOR TODAY:

"No matter where you go, there you are."
 
- Unknown


YOU CAN'T HIDE!

In an old "Peanuts" comic strip, Snoopy sits listening to Linus and Charlie Brown having a conversation. Linus asks Charlie, "Do you ever feel like running away?" Charlie answers, "Of course . . . sometimes I feel like I want to run away from everything." In the next panel, Snoopy is seen considering their conversation as he thinks to himself, "I remember having that feeling once when I was at the Daisy Hill Puppy Farm. I climbed over the fence, but I was still in the world."

If you've ever tried climbing "over the fence," a.k.a. getting away from it all, you undoubtedly also realized that you were "still in the world." It's actually quite difficult to get away from yourself, isn't it? The good news is - there's no need to.

The phrase "You have no problems, you only think you do," carries the solution. No matter what you consider a problem, it's really the way it affects you that is your concern. If someone has been short with you and you feel hurt, you might try running away from the hurt. If you do, you'll find that the feeling of hurt goes with you. Only when you stop, plant your feet, and say, "I'm not going to feel hurt," will the problem go away. In other words, it's not you that needs to go away, but the concern itself, and you are the one to send it packing.

Remember when Dorothy ran away to the Land of Oz? Her problems only multiplied. She was chased by a witch and strange flying monkeys. Her mind conjured up a Tin Man, a Scarecrow, and a Cowardly Lion to help her. Her imagination led her down a Yellow Brick Road in search of a Wizard who wasn't a wizard at all. Consider what great lengths she went to in order to solve her problems. Yet, only when she confronted the Wizard face-to-face did she realize there "was no place like home."

The next time you have the urge to run away, leave your "ruby slippers" behind. Just sit down face to face with your "Auntie Em." You'll be amazed at the outcome.

Featured Post from www.LornaCalder.com Morning Coffee.

 

September 2011 Houston And National Housing Market Trends

by Lorna Calder

This month's featured video focuses on two of the several types of classifications into which property has been divided. "Single family homes" are residences with less than 10 acres and "acreage" are residences with more than 10 acres.

If you are searching for a home on a more regular lot or piece of land you will be searching in the single family homes property type.  Moreover, if you are looking for a single family home that has a larger lot up to 10 acres you will also look in the single family home property type but you adjust your search for a larger land area.  If, on the other hand you are searching for a single family residence with more than 10 acres you will look in the acreage property type classification.  Searching for just the right property can be a very detailed process.  Working with a knowledgeable Realtor® can expand your chances of finding just the right property...

If you have not reviewed my monthly Housing Trends Newsletter - you could be missing out. Everywhere I go, people are asking me about the housing market conditions - it's on everyone's mind. Staying abreast of local and national market conditions and factors that can affect the future sale or purchase of your home can make the decision process less daunting. I always tell my clients that in order to make the best decsion they need to have all the information they can upfont. My Housing Trends Newsletter is just one of the tools in my arsenal to make sure you keep informed.

The September 2011  Local and National Housing Trends has just been released. This month's newsletter is packed full of local and national housing market statitics and news you need to know to stay current with today's changing housing market.

This month's housing trends issue features:    

Thinking of Scaling Back?

Mold Remediation: What to Expect When You Hire An Expert

Job Growth and Culture Push Cities to Top 10 Most Desired Places to Live

Severe Weather Preparation Help You Save On Replacement Costs

Fancy a Villa on the Mediterrean? How About a Greek Island Retreat?

You can view the newsletter here.  

If you wish to receive FREE Housing Trends eNewsletter e-mailed to you monthly, click here to Subscribe.   

If you are considering selling your house or buying a home and need more information, I am never too busy to help, please contact me for more information.

 

Displaying blog entries 1-6 of 6

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