Archive for August 3rd, 2009

Lakefront condos

Tahoe Keys Lakefront Condo-Boat Dock Included-Immaculate Property …
Gorgeous Tahoe Keys lakefront condo with included boat dock 5 steps from the door! Immaculately furnished and maintained, high speed internet, 3 bedrooms, 2.5 baths and breathtaking Heavenly and Water views.  read more…

Gorgeous Furnished Short Stay Lakefront Condo!! Special Price …
Gorgeous Furnished Short Stay Lakefront Condo!! Special Price!! (Edgewater) $89 1bd. August 2, 2009. Filed under Sublets & Temporary. Why overpay for a small hotel room, when you can have your own private condo for much less? …  read more…

Dawnies Life if by the Sea: Farmers Market, Day at the Lakefront
In the background are all these condos, which I think would be a great place to live right now. Baldyman dosnt agree and so I wont get to live on the lake by the Farmers Market with a huge fountain view. He is mean. …  read more…

From Google Blog Search

Buying Lake Land From Developers
Looking for an alternative to investing in a beach house? Tired of worrying about potential hurricanes, boarding up windows, and evacuating? Lakefront land for sale in the United States is bec…  read more…

Lake Tahoe Realtor Really Can Help
Find The Right Lake Tahoe Area Real Estate For Your Specific Needs
Visit The Area First And Get Familiar With It!
A Lake Tahoe Realtor Really Can Help!

Are you considering purchasing one o…  read more…

Lakeway Real Estate Preview
Are you looking to buy a home or condo in Lakeway, Texas? This is a preview of the area and what you can expect to find in your price range.

Lakeway homes are in demand thanks to a vibrant communit…  read more…

From GoArticles.com

Lake Winnipesaukee, New Hampshire waterfront condo cottage

http://tinyurl.com/pq99mt – RIGHT ON THE WATER! Meticulously crafted & well maintained year-round, detached condo/cottage on Winnipesaukee lake featuring 3 Bedrooms with updated kitchen & 3/4 Bath. 26×12 Boat Shed, Rotating Dock,No-wake zone. Watch the water world right from your own screened porch. What a lifestyle for only $399,900! Why not make it your lifestyle?

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Resolved Question: I’m Looking for a New Apartment/Condo in Chicago?
Well, it’s not really for me, but for my grandparent. Let me give you as much detail as necessary.
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1. My grandparent is a senior
-Although my grandparent is not “old, old” my grandparent is in his/her mid seventies. He/she has no disabilities, and can move around quite well on his/her own. Small staircases are not an issue. And senior discounts etc. would be appreciated.
2. My grandparent wants to rent
-My grandparent would like to rent/lease an apartment/loft for no more than $1500 monthly. My grandparent does not have a large cash income and is receiving a pension every month.
3. My grandparent would like at least 1+ bed, 1+bath
-My grandparent would like if the bedroom was separated by walls from the rest of the loft/apartment, so he/she could add another bed if necessary to accommodate another person.
4. The apartment/loft does not have to be huge
-My grandparent will take whatever he/she can get for less than $1500 a month, however it has to be able to accommodate two people, no more.
5. My grandparent would like hardwood flooring
-It is not a must-have. But it would be nice since my grandparent enjoys painting and doing other art’s and craft hobbies. Hardwood floors are easier to clean than carpet, less expensive, and would not look as bad.
6. The apartment/loft should accommodate cats
-My grandparent loves cats and does not have the space to accommodate cats in his/her apartment at the moment, however he/she would like to adopt a cat when he/she moves.
7. The apartment/loft does not have to be in Chicago’s heart
-The loft/apartment does not have to be in the heart of the city. The lakefront is obviously too expensive, however it does not have to be located in a very scenic area. However he/she does like walking, and a decently decorated or scenic place would be nice. Somewhere where there is sidewalk, or a park pathway.
8. The neighborhood must be nice
-My grandparent is (obviously) older. It would not be good if he/she was living and a poor neighborhood/area.
9. Location to Food & Necessity Stores
-My grandparent would like to be located somewhere where there is at least a grocery store just a few miles (10 or less) away driving. Any added bonuses i.e; pet stores, restaurants, parks & recreation, and convenience stores would be an added bonus.
_______________________________________________________
Thank You! If need be and it is too hard to locate all of these necessities in one place (which it most likely will be) please tend to these first.
#2. Cost.
Reason: The Price Range: Less than $1500 A Month
My grandparent only wants to RENT/LEASE.
#5 Hardwood Flooring
Reasons: Possible pets, painting creates messes
#8 Nice Neighborhood
Please no “ghettos” or high crime rate areas. My grandparent is older, and would not be able to defend his/her self if the time came up. He/she would like to stay downtown-ish.
#3 Must have at least 1 bed and 1 bath
Two bed one bath would be nice, but no more than two bed, and the rooms must be separated, not one continuous space where the bedroom meshes with the kitchen/living area.
#4 Not Too Big, Not Too Small
Please no overly huge apartments/lofts. On the other side of the coin it must accommodate at two people maximum, even if it means having two twin sized beds in one bedroom. It can be arranged, but it must accommodate two people maximum in-case he/she has company.

*Please do not answer if you don’t live or are familiar with Downtown Chicago*
_________________________________________________________
Thank You For Your Help!

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Resolved Question: Can I afford to buy a single family home in Northern Virginia?
I currently have a 1 bed 1 bath condo in northern va (lakefront/hardwood floor throughout): mortgage $137,695, purchase price in 2005 was $321,000, currently assessed at $253,850. My development now is full of bank owned/short sale condos so prices are going down. A comp same model condo is asking $259,000 but no lakefront and carpeted, otherwise all same upgrades as me. Single family homes in a good neighborhoods as low as $449,000 and up to $500,000’s is what I’m looking at (prices not seen here in a while). Me: gross income: $71,000, take home (net) a month: $3,168, liquid cash $8,000, no debt other than my mortgage (pay credit card in full each month and own my car), credit rating is excellent and I am a conservative guy by nature. I was planning on selling condo with hope of pulling out $100,000 to put into new place. Can I afford to buy a single family home on my own with these numbers and situation? Thanks.

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Resolved Question: what flooring option is the best for a lakefront condo on a slab foundation?
we live in a lakefront condo and are ready to replace the smelly old carpet, what would be the best choice….we live on a slab foundation with a crawl space under…..

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Twitter #chicago #Lakefront #condos A great day to be on the lake in Chi-town! http://mypict.me/9krH
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Venues Cleveland - Google Blog Search Cleveland in the mirror: If we build it . . . – Letters Unlimited …
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Venues Cleveland - Google Blog Search Cleveland in the mirror: If we build it . . . – Letters Unlimited …
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Recent Uploads tagged milwaukee New Milwaukee Riverwalk Edge Condos to Lakefront Brewery
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Twitter Lakefront condos rising: Construction is nearing its final stages in the south tower at 600 Lake Shore Dr.. http://tr.im/m4KI
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Home Inspection – Inspecting The Exterior

Now that you’ve decided to purchase a home, it is time to hire a home inspector. When the home inspection begins, one of the areas that will be inspected is the exterior. During the exterior portion of the inspection, the home inspector will inspect seven different parts of the exterior.

1. Trim and Eaves – The home inspector will examine the trim work and eaves for wood rot and other damage. This is typically done with a ladder or with a set of binoculars. The inspector will also evaluate the gutters, if installed, to determine any defects.

2. Exterior Siding Material – The home inspector will analyze the exterior siding of the home and report on any defects in the wall covering. The home inspector will also provide the kind of material on the exterior walls. Commonly used materials are brick, vinyl, wood shake, and stucco.

3. Paint and Caulking – The paint and caulking on the railings, porches, siding, doors, and windows will be examined to verify they are in good condition. The finding will be included in the inspection report.

4. Doors and Windows – The doors and windows will be examined to determine the material they are made of. The home inspector will discuss any defects and overall condition of the doors and windows.

5. Storm Doors and Window Screens – While inspecting the exterior side of the windows, the home inspector will report on any missing or torn window screens. In addition, any defects to the storm doors will be included in the home inspection report.

6. Porches, Decks, Patios, and Balconies – The home inspector will report on the condition of any porches, decks, patios, and balconies attached to the home. All defects are reported in the inspection report. Typical defects include problems with steps, railings, and wood to soil contact.

7. Additions – The home inspector will report if the home has had any additions to the home. The home inspector will examine the area around where the structures meet to determine if any defects exist. Any defects will be included in the home inspection report.

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The Soldier and Sailor Civil Relief Act or SSCRA was signed by President Bush on December 2003. The point for this act was to set legislation to simplify or ease both legal and economic burdens to military personnel whether active or retired.

What is the SSCRA

SSCRA addresses the inability of military men to meet financial obligations when they are in active duty. Financial obligations to include rentals, leases, mortgages, credit card payments and other similar types of transactions. The SSCRA also stretches to cover the dependents of the military men in question under the same guidelines.

SSCRA covers those under active duty, to include out on basic training exercises or assigned in the field. Often veterans miss the chance to pay their financial obligations since they are unable to do so during the line of duty. The SSCRA aims to provide legislation to these individuals so that they are given consideration regarding deadlines and payment due dates.

One area covered by SSCRA for military personnel/dependents includes leasing/renting of a property for residential purpose (not to exceed more than $1,200 a month.) Also the conditions must be met and the transaction must be first be made before the service man is enlisted into active duty.

Once on active duty, it’s becomes almost impossible for them to settle this obligation. The next course of action is for the service man to send a request of being under the protection of the SSCRA to the court when he or she receives an eviction notice. If the judge finds sufficient grounds which merits the protection from SSCRA then the court may postpone the eviction until the term of duty of the personnel expires.

Advantage of SSCRA for veterans on active duty

Most of the military personnel in active duty will not have the ability to fulfill their financial obligations to various institutions like credit cards, banks, insurance or mortgage lenders. The SSCRA aims to provide a form of security to these men on duty on active duty.

SSCRA will provide enough “elbow room” for military personnel to be given extended deadlines for payments, foreclosures and mortgage transactions when they are in the line of duty. Though not all veterans are given the privilege of being under the protection of the SSCRA; some criteria and requirements must be met for both the transaction and the personnel before they are granted protection.

Interest Rates and SSCRA

Members on active duty who are unable to pay mortgages and who are facing foreclosure may then invoke the protection of the SSCRA to avoid such problems. Qualified debts are those incurred prior to service men coming into the line of duty. Also, the request will only be valid if the personnel are in the line of duty when the request was made which limited them from settling the said obligation.

If qualified, the service member needs to send a letter to the lender/bank requesting that their interest rate be capped to 6% according to the provision stated in SSCRA. Also, they may should send a photocopy of the military order to the lender as proof that they are on military duty as stated in their letter of request.

Foreclosure and the SSCRA

The SSCRA can also help cover the military member under the obligation of a mortgage, trust deed or security of property for any financial obligation. The SSCRA simply states that the personnel are valid for protection under the SSCRA if the obligation and the property were done prior to their military service.

The provision states that prohibition of foreclosure or sale of mortgage property without the presence of the borrower, the military personnel in this case, whether in a judicial or a non-judicial foreclosure. It is also stated in the SSCRA that maturity dates and deadlines will be given an extension when the military personnel is in active duty until they are released from their given designation.

Even if the maturity date or the date of foreclosure is extended due to the military personnel’s inability to pay, the court will try to achieve a compromise agreement from both parties requiring the mortgage lender to pay at least half of the amount due while the mortgage holder extends the deadline or put a stay on the foreclosure or sale of the property.

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So you decided to sell your home, you have picked the a real estate agent, and have listed your home. You have held several open houses and got some interest and you have finally received an offer. How do you tell if this is a good offer or not? Of course, your agent will help in that department, but, remember, they are there to sell your home they don’t have any idea what will work for you and your family.

First thing to look at is the buyer’s financing. Are they able to get a loan or are they just hoping to qualify? The best case scenario would be that they are pre-approved which means that a bank/lender has taken a look at their income, credit, and down payment and has agreed that they would qualify for a certain amount of financing. This is a good indication that the loan will go through. Sometimes, the offer will not include that the loan is pre-approved, but if the buyer really wants the home, they will include a letter of pre-approval to help your selection along. As a buyer, you or your agent has the right to contact the bank and make sure the information presented is correct and that the bank has verified income, employment, and down payment funds.

Next,consider if the buyer has put down a substantial down payment. The larger amount, the better for the sale to go through. The more money the seller has invested in the contract, the less likely they will be to back out. If the amount of money put down is not sufficient for your liking, then you have the right to ask for more.

Be sure to look for special conditions within the contract that you cannot meet or control. For example :If a buyer must sell his home first before purchasing your home.This condition requires you to factor in other questions. Does he have any offers on his home now or any approved buyers? He does have his house listed with an agent, doesn’t he? If there are any clauses that you do not understand, you must clarify them in writing.

One other thing that you must realize in the real estate contract you will receive is there are dates and deadlines that must be reviewed. There is a certain rhythm for things to happen. For instance, there should be an inspection, appraisal, loan approval, and the closing date. These items should not have excessive time allotted to each by the buyer. For example, the closing date must allow time for the bank process to be completed including the underwriting, appraisal, and paperwork. The inspection date should be close to the contract date to allow time for any problems to be resolved quickly by the seller so the contract can be completed.

Any one of these items can make or break a contract, so be sure that you review each and have a good knowledge of what is expected of you and the process you are about to complete.

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Relocating? Rent Before You Buy

It’s tough enough to move even when you are just moving a short distance. Relocating to a new city or state is one of the most stressful and distressful experiences there is for a family, particularly if you are unfamiliar with the area you are moving to.

One of the most difficult, but important decisions a home buyer makes when moving to a new area is selecting which neighborhood to live in. School system and average home price data is easy to find out, but what about the less tangible factors like walking distance to great restaurants and the quality of nearby public parks?

To reduce the risk of making the wrong choice when moving to an unfamiliar city, many people like Jesse Singh, an executive at HOV Services, are opting to rent their home instead of buying it. Jesse, along with his wife and their two young children, have moved three times in the past five years ” most recently from to Atlanta to Denver.

Jesse and his wife are starting a new division of HOV Services in Denver, but were concerned that if another move was needed they wouldn’t be able to sell their home in Denver. In addition, although they have spent significant time in the airport, hotels and local HOV office in Denver, they know very little about the Denver metro area and what neighborhoods would be right for the family. Our company, Denver Rent a Home set them up in a very nice house under a rent to own option, which was a great relief to them ” they dont have a big mortgage to support until they are sure they like the neighborhood and their job will not require a move again.

Another couple and client of Denver Rent a Home recently moved to Denver for a business opportunity and chose to lease vs. buy in part because they couldn’t sell their property in Scottsdale, AZ. They are leasing their property in Scottsdale and leasing a property here, which they felt made a lot more sense for them. As the parents of two young girls they also felt they wanted to get a good feel for living in an area as a family prior to committing to a home purchase.

Rent to own situations are becoming much more popular among my clients, especially those relocating from anther area of the country. It feels great to be able to offer a creative and new choice to my clients, to set them up in a lovely home and get them started right in the community without all the burdens those relocating have had to deal with in the past.

If you are relocating and want to try the lease with option to buy route, find a great local agent who knows the area well and is committed to finding the right rent to own properties. This will save you tons of time and heartache as they will be able to do all the research and find the best home in an area that will work for you the first time.

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Basement Remodel Idea: Things To Consider

Creativity is where you get your basement remodel idea started. Although, you do not have to be really good in drawing to be able to draft a good basement plan but you must have a pretty good idea how you want your basement to be. First off in planning for a functional basement is to not think of it as just a basement. Doing this sets a lot of limitations in the process. Your basement is also room but with less partition. Sometimes there’s none at all. And like any rooms, your basement has walls, ceilings, and floors.

If you have a basement remodel idea in mind, you have to take these areas into account. Here are the pointers to explain why you should.

- The walls are like an oil canvas. You imagine what you hope to put (or mount) into it. Some basement remodel idea involves creating partitions if the basement is used for several purposes. In redesigning your basement, make sure your walls set the mood to what the place is for. If it is for a play pen for the kids, you may choose to paint it with pastel colors. In another corner you have a home theater, the color should compliment with the right amount of lighting. You may want to hang picture frames. These details constitute a lot to the beauty of your basement. Plan and design it well.

- The ceiling gives a feeling of space. Normally, the basement headroom is lower than other rooms in your house. It’s a must therefore to give this some thought in your basement remodel idea. To give an illusion of space, design your water pipes and drainage so it passes along the sides of the basement. This way, the center of your basement leaves a lot of headroom. Also, your basement ceiling should be designed in a way that these pipes are easy to access and fix. Some use hanging joists and frame ceilings to serve this purpose.

- The basement floor must be free from any form of moisture. Yes, this is important to consider. The basement is an underground facility and is therefore prone to moisture. The soil surrounding it is damp and dirty. Not only that, pipes from the ceiling may have leaks and would have spills all over. Get some water-resistant tiles for your basement floor (and your walls too). A vinyl is another option too. Plan your basement remodel idea to include a floor that is easy to clean.

- Plan properly your wiring and ducts. As mentioned with water pipes and drainage, a good basement remodel idea anticipates future maintenance and repairs. The conduits for electrical wirings, phone and TV cables, and air ducts should be a priority in the design plan. If you are drafting it yourself, put those conduits on the opposite side to where your water pipes are located. Not only is it practically but safe too. If you are hiring an architect or interior designer, tell them how you want them arranged.

Simple as these may sound, these are considerations that are worth looking into. Planning out your basement remodel idea can be more fun if these things are sorted out from the start. You want to have a basement that not only you can enjoy for yourself or your family but with your friends too.

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Trading Hot Stocks With Today’s Hot Stocks Advice

I’m a pretty conservative investor. I knew about the hot stocks market, but I’ve always felt that it was pretty risky. I was willing to take lower returns and keep my capital as safe as possible. I was talking to friend who is at least as conservative as me and he told me about Today’s Hot Stocks newsletter. I thought maybe he’d been out on the golf course too long.

There are so many variables involved with hot stocks trading, I didn’t see how a software program could accurately take everything into account. I never believe everything I read anyway. There are a lot of scammers ready to take your money and run. Given that the newsletter wasn’t expensive, I decided to try out the newsletter for two months.

I signed up for the Today’s Hot Stocks newsletter six months ago and I haven’t looked back. The program doe everything it says it will do and I have been making a great return on my hot stocks. Sure, I’ve had occasional losers, but not as many as I had before trying this newsletter. The returns on the winners have been better than most of my own picks.

Investing in hot stocks is a risky business and I’d never recommend it as a single strategy for investing. That said, as part of an overall investment strategy, hot stocks can be very profitable if you choose your issues carefully. Today’s Hot Stocks newsletter and email alerts help you do just that. In addition, it is crucial to know when to sell, and Today’s Hot Stocks takes away a lot of the guesswork. Intuition is great, but notoriously unreliable for most people.

The newsletter isn’t free. Some people may have a problem with that. I consider my monthly fee as part of my investment. I’m making more than enough to cover the fee by using the hot stocks information, so it’s certainly proved worth the investment to me.

I admit that I like the money back guarantee. Today’s Hot Stocks allows you to try the newsletter and email alerts for up to sixty days, and if you aren’t happy they will give you a full refund. I thought I’d be getting that refund, but I am more than satisfied with my results and I’m happy to keep paying for their advice. I wouldn’t even be in this great market if it wasn’t for Today’s Hot Stocks, and of course, my friend.

There are a lot of places, including your broker, where you can get advice on hot stocks. Most of the time they got their information from another source, so the data you’re getting isn’t fresh and may have missed something in the translation. The data from Today’s Hot Stocks comes directly from them to you, so there is less chance of a miscommunication.

I can only say that I am definitely getting my money’s worth and more from the Today’s Hot Stocks newsletter. If you are in the hot stocks market, i strongly suggest you try it, even if only for the sixty day trial. You won’t lose anything, and like me, you may decide that your subscription is worth every cent.

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No Equity? No Problem! How To Pay For Large Home Improvements

Since the housing crash a lot of people have found themselves in homes that don’t have any equity built up, meaning they have no easy way to pay for the home upgrade projects they planned when they first moved into their homes. Though selling a home and moving can be expensive, it can be just as costly to remodel an existing home in many cases due to the high cost of construction materials and labor.

Most big home improvement projects are expensive enough that it’s difficult to save up all the money you need all at once. By the same token, home improvements have become much more involved and complex and often entail completely changing a room rather than just applying a little paint and moving around some furniture. Here are three ways you can make a home improvement more affordable:

Do A Little At A Time: Let’s face it, some big projects don’t have to be done all at once. A lot of times you can have parts of the project done over a couple years to defray costs. One year you may put up walls in your basement. The next year you may finish up the floors and the year after that you might choose to put in a wood burning stove and a few extra windows. Almost any large home improvement project can be broken into smaller, more affordable, jobs.

Home Improvement Store Credit Cards: A lot of home improvement stores such as Lowe’s and The Home Depot offer low interest rate credit cards with zero interest or no payments for a limited amount of time. If you’re able to buy all the materials from one of these stores with a credit card you may be able to spead the costs of the home improvement out over many payments, making it much more affordable.

Hire Yourself: Completing a home improvement by yourself is a great way to build your confidence, feel a sense of pride in your home and save yourself a ton of money! It’s estimated that 50% of any home improvement project pay for labor, so you could definitely save yourself some serious money if you chose to complete the project yourself. Be sensible: only do work that you’re comfortable doing. There’s no sense in doing something dangerous or potentially harmful to your home just to save a few dollars.

Let’s face it: we all want a great house to live in, but that sometimes comes at a pretty steep price. By spreading out the payments and trying to do some work yourself you can save lots of money and turn an expensive home improvement project into an affordable series of smaller payments. You’ll be surprised at how quickly your current house can become your dream home!

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