Relocating? Tips to Help Figure Out the Cost
Americans are mobile by nature so it should come as no surprise that relocation is a major reason for buying or selling a home.
Deciding to pick up and move to a new city can be a great opportunity to increase your standard of living for the entire family for years to come, but there are also pitfalls.
Failure to properly consider the full cost of relocation can turn a joyful event into pure stress.
Learn how to calculate the full cost of relocation with these quick tips.
Cost of Living
If you currently reside in a high cost area of the nation like D.C. or New York City, then most places will seem more affordable.
On the other hand, moving from a relatively rural area to a major city can result in daunting increases for housing, taxes, and even insurance.
Commute and Convenience
Urban warriors relocating to small town life are often giddy at the prospect of saving a bundle on mortgage and insurance.
Before you get too excited, take time to calculate the cost of the new commute and convenience. While it is true that small town living has its advantages, expect to invest more time and money in gasoline, groceries, and other routines.
Cleaning, Clearing and Leaving
Do not forget the cost of moving itself. Whether you rent a truck and do it yourself, or pay to have everything handled professionally, relocation is expensive.
Include moving fees, cleaning, utilities, insurance, down payments, and lost wages, just to name a few of the anticipated expenses.
Taxes
One frequently overlooked expense involves potential taxes. Be sure to calculate the cost of any taxes that may be due on the profit of the home if you have not owned it for at least five years.

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Just click below and you will get some great information.  Don’t waste time and money if you aren’t going to get the best return for it.

Top 10 Remodeling Projects That Offer the Biggest Returns.

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The broadly-based Standard & Poor’s 500 stock price index had been up eight days in a row as of Friday, its longest winning streak since November 2004. Even better, the S&P 500 closed for the week above the 1500 threshold for the first time since December 2007, before the recession began. The week’s upward impetus was provided by generally upbeat Q4 corporate earnings, the big exception being Apple’s disappointing report. Folks were also happy to see German business confidence up more than expected, a sign that Europe’s biggest economy is on the mend.

There were precious few economic reports to dampen the enthusiasm, although the ones we saw carried the usual mixed messages. The Richmond Fed index of mid-Atlantic manufacturing showed contraction. Housing numbers are covered above. New unemployment claims dropped to 330,000, their lowest level in 5 years, while continuing claims fell to 3.16 million.

The week ended with the Dow UP 1.8%, to 13896; the S&P 500 UP 1.1%, to 1503; and the Nasdaq UP 0.5%, to 3150.

The light week of economic data and the move by investors into risk assets led to selling in the bond market, sending prices southward. The FNMA 3.5% bond we watch ended the week down .83, at $105.18. National average fixed mortgage rates inched up, but still stayed near historical lows in Freddie Mac’s Weekly Survey. Purchase loan applications surged, according to the Mortgage Bankers Association, UP 26% versus the same time a year ago.

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  • The redesigned pantry from 11 Magnolia Lane

    (New!)

    Whimsy Meets Function in This Pantry Redo

    It’s a brand-new year — and a great time to reinvent your pantry. Every Thursday this month, we’ll feature an awesome DIY pantry makeover to inspire your own transformation. At the end of January, vote for your favorite at HouseLogic! Read

Visit houselogic.com for more articles like this.

Copyright 2013 NATIONAL ASSOCIATION OF REALTORS®

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There are some things every First Time Home Buyer should know. Steps to help make the process very smooth and much less stressful follow.
1. Set up a meeting with a REALTOR, (Lisa Anne Landry, BHGRE, lisa@lisashomesandcastles.com) who can walk you through the process and connect you to a Mortgage Specialist.
2. Set up time to meet with the Mortgage Specialist to review your options and to get a pre-approval. Make sure they run your information, and make sure you have given them everything they need.
3. Work with your REALTOR to review your desires, wishes and needs in a home.
4. Drive by the homes your REALTOR sends you to make sure you like the area the home is in.
5. Go shopping for a home.
6. Narrow the homes down and put in an offer on the one you feel is the best fit for your needs.
7. When the offer is accepted, you will need to have a Home Inspection. They run $450 and up. The buyer is responsible for this cost.
8. If any major items are found on the home inspection, your REALTOR will help you prepare an addendum with the requests of items to be addressed and fixed.
9. Make sure all the paper work and requests from your Mortgage Specialist are in. These are very important for your loan. Your bank will need to supply a letter of Commitment a couple of weeks before the purchase of your new home.
10. Talk to the Title Attorney to find out how much you are responsible to bring to closing.
11. Stay in contact with your REALTOR throughout the process.
12. Get to the closing on time and prepared.
13. Enjoy your new home.

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Dec

27

First Time Home Buyers Need to Know…

Posted by lisasnhhomes under Uncategorized

There are some things every First Time Home Buyer should know. Steps to help make the process very smooth and much less stressful follow.
1. Set up a meeting with a REALTOR, (Lisa Anne Landry, BHGRE, lisa@lisashomesandcastles.com) who can walk you through the process and connect you to a Mortgage Specialist.
2. Set up time to meet with the Mortgage Specialist to review your options and to get a pre-approval. Make sure they run your information, and make sure you have given them everything they need.
3. Work with your REALTOR to review your desires, wishes and needs in a home.
4. Drive by the homes your REALTOR sends you to make sure you like the area the home is in.
5. Go shopping for a home.
6. Narrow the homes down and put in an offer on the one you feel is the best fit for your needs.
7. When the offer is accepted, you will need to have a Home Inspection. They run $450 and up. The buyer is responsible for this cost.
8. If any major items are found on the home inspection, your REALTOR will help you prepare an addendum with the requests of items to be addressed and fixed.
9. Make sure all the paper work and requests from your Mortgage Specialist are in. These are very important for your loan. Your bank will need to supply a letter of Commitment a couple of weeks before the purchase of your new home.
10. Talk to the Title Attorney to find out how much you are responsible to bring to closing.
11. Stay in contact with your REALTOR throughout the process.
12. Get to the closing on time and prepared.
13. Enjoy your new home.

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Dec

10

Great Update on the Real Estate Market

Posted by lisasnhhomes under Uncategorized

INFO THAT HITS US WHERE WE LIVE… What are rising now are asking prices for homes. A major Web real estate portal reports prices for homes listed there were up 3.8% in November versus a year ago. This is the largest year-over-year gain since the housing downturn began. In addition, the listing prices for the three months ending in November were up 0.8% from the prior three months. And the good news was widespread: annual gains were reported in 76 of the 100 largest metros. Finally, asking price gains are now beating rent price gains in the 25 largest rental markets.

The Wall Street Journal reports five factors influencing rising home prices: housing affordability, with price-to-rent and price-to-income ratios favoring home ownership in many markets; increased household formation; rising rents; a decrease in distressed sales; and record low inventories. The Fed’s recent Beige Book reported improving markets for single-family homes in 10 of the 12 Federal Reserve districts across the country. But one of the two exceptions still showed declining inventories and the other had been hurt by Hurricane Sandy.

BUSINESS TIP OF THE WEEK… Sitting too long at a computer dulls your mental sharpness. Take a break every hour or so and be active: take a 10-minute walk, do a few sets of push-ups or sit-ups.
Thank you Regency Mortgage, Kim Riddell for helping me with this update.

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Nov

1

What’s the Magic Color for Selling Your House?

Posted by lisasnhhomes under Uncategorized

Color plays a big part in selling a house. How you decide to dress your walls can convince a buyer that your home is move-in ready or leave them looking elsewhere. If the goal is to see the sparkle of “love at first sight,” consider picking the right paint palette to suit a range of buyer tastes.
Proper Preparation
When you paint your walls, make sure you prepare the walls properly. Before you start, use a pre-made crack filler or drywall compound to fill in minor cracks and old picture hook holes. Lightly sanding baseboards, window frames and doors is also a great way to ensure that your paint will adhere to the surfaces properly. Make sure you are using the same base paint that currently exists on the surface you are repainting. Latex on latex, and oil base on oil base.
Picking the Magical Colors
Color choices are plentiful, as are the types of paints. When selecting interior colors, consider how you use each room or the feeling that you want to create for the space. White is a great accent, but for walls it is a harsh and cold color. Instead of white, choose warm, inviting and neutral paint colors such as yellows, warm beige and olive tones.
The best rule of thumb for home remodeling is to stick to a color palette that isn’t too bland but also isn’t too bold. For smaller spaces, such as bathrooms, choose colors that make the room look bigger such as warmer whites. For the bigger rooms, select a paint that is a couple shades darker to create a cozy atmosphere. For bedrooms, calming paint colors work best.
Make sure the palette you create flows from room to room. At paint stores, purchase a smaller can of paint and test it on the walls before committing to the color for the entire room.
Wallpaper Can Be a “Turnoff”
Potential homebuyers don’t always like wallpaper or at least the wallpaper you may have chosen 15 years ago. They want simple, clean, warm and inviting rooms and not the potential headache of steam cleaners and wallpaper removal. It is a good idea to consider removing wallpaper or at the very least painting over it where necessary in order to open the space and make the room feel fresh and clean.
Don’t Forget to Look Up
Potential buyers notice water stains and old-fashioned ceilings. If you have a home with a stucco ceiling, it can date your home to a buyer. Before you show your home, consider painting the ceiling with flat white paint. If you have crown molding, make sure you use the same ceiling paint for a consistent professional look.
Learn From the Experts
Choosing a wall color can be overwhelming. If you don’t know or are unsure, ask the professionals. A Better Homes and Gardens® Real Estate sales associate can help you make some of these decisions. Additionally, the mega hardware and home decorating locations have experts who are ready to help you with your decorating dilemmas. When reading magazines, tear out photos of rooms that look appealing and inviting and match the wall colors at the store. Paint color can help you sell a house faster. A fresh coat of paint makes the walls fresh and clean to create an inviting environment for a homebuyer.
Better Homes & Gardens RE

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Sep

29

The Real Estate tax buried in the Obama Health Care Bill

Posted by lisasnhhomes under Uncategorized

Please go to this link to get many of your questions answered. http://www.kcmblog.com/

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Do we need work in Pelham, NH? Yes we do! We are at the state level on reading and math, but writing is below the grade. That isn’t saying much for what is going on around us in general. Teach the children skills, not how to take tests or what to know for the tests and we may have an educated citizenship who can think for themselves and make decisions based on logic!

*

The statewide average scores remain fairly constant. This year, reading proficiency was at 79 percent, compared to 77 percent last year. Math was up to 67 percent from 66 perfect last year and writing scores were down to 54 percent from 55 last year.

In Pelham, the scores were either below or equal to statewide averages. Writing was the district’s weakest area, with just 46 percent of students scoring as proficient or better.

Pelham Assistant Superintendent Amanda Lecaroz said the scores went up considerably in the middle school, but not across the board.

“Math scores were up across the district,” she said. “We’ve been doing a lot of work with our math curriculum and next year we’re rewriting our language arts curriculum. We’re a district in need of improvement in math and reading, so that’s our biggest push now.”

Lecaroz said she expects to see similar improvements in writing and reading next year, thanks to the new curriculum.

Overall, Pelham saw a 1 percent decrease in math scores, down to 67 percent proficiency.

But, seventh and eight-graders scored particularly well in math, with 74 and 71 percent scoring proficient. However, at the high school level, only 29 percent scored proficient in math.

* Eagle Tribune 1, February, 2012

Come on parents, fight for your children’s education.

Having worked with interns from the high school, I can attest that there are educated teenagers in our High School.  Let’s get more of that going and make Pelham, NH a place everyone would want to live.

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