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Jeanette Joy Fisher's Articles

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Strange Cleaning Tips Many household products can function well in areas quite different from their initial intended uses. Here are a few examples: Icy Steps? If you live in an area that freezes during the winter, here's a tip for keeping your front steps from getting icy. Just take a bowl of hot water, add a few drops of Dawn dishwashing liquid to it. Once you've poured that mixture over the steps, they won't freeze again. (Of course, this trick may work with other dishwashing liquids, as we... Xeriscaping For An Extraordinary Garden Is it time to think about how to turn your garden from ordinary to extraordinary? One way to do that is to think in terms of xeriscaping. The term means to use waterwise plants, which is especially useful in dry climates. Xeric species make gardening easier because they're drought resistant, and friendlier to the environment, because they use less water to provide lushness in both flowers and foliage. Most xeric plants are also perennials, so they will continue to flourish... Home Selling Help: Offer A Home Warranty To Entice Buyers Now that the real estate market is cooling somewhat, you'll more likely to find your competitive home sellers offering a seller's warranty. But what exactly is a seller's warranty, and how can it help? Seller's Warranty In short, a seller's warranty provides added assurance that any repairs to major appliances, plumbing, and other home systems will be covered by the seller within a specified time period after the home is purchased, excluding a typical deductible of $50-... How Much Should You Spend To Get Your Home Ready To Sell? When you get ready to sell your home, it's important to make it sparkle, especially when compared to your neighbors' houses. Every real estate agent knows that well-polished houses not only sell faster, but they also sell for higher prices. When planning the "spruce up" strategy for your home, you'll first want to consider how much you want to spend, and then how much of that money to allocate to the outside and the inside in order to help sell your home the most quickly ... How To Make Your Home More Saleable Every home seller wants two things: a quick sale at the highest possible price. Neither of those desires is unreasonable, but in order to achieve those goals, you'll need to do a few things to make you home more saleable and different from your competition--all the other homes for sale in your neighborhood and price range. First, look at the outside of your home, since that's what prospective buyers will see first. If you've ever bought a home, you know that you passed up ... How To Help Your Agent Show Your Home Once your home has been spruced up, both inside and outside, you're ready to let buyers begin looking through it. However, since you also have to live in your home during the listing period, it means that you'll have to get the home ready for showings by agents, sometimes on short notice. Here are a few secrets you use to make your home look its best when you know agents are bringing clients by for a tour. First, keep your kitchen countertops clear, and keep dishes out of ... 3 Ways Tenants Lose Money Are you still renting a home or apartment for yourself or your family? If so, you're losing money. Think about these three ways you lose money by renting: 1. You're paying for someone else's mortgage payment. You're missing out on the appreciation that the property gives to the landlord. Appreciation is a term used in accounting relating to the increase in value of an asset, which means in real estate terms, added value to the property. Over the past five years, houses... Credit Help For Mortgage Financing: Beware Of Predatory Lenders Financing a new mortgage? Beware of "predatory lenders." In November 2005, Montgomery County, Maryland's county council enacted legislation to expand the categories of discriminatory lending activities associated with discriminatory housing practices and increased the maximum fine for such activities from $5,000 to $500,000. The council sited practices such as charging inordinate amounts for prepayment penalties, points, and fees; steering borrowers toward more expensive m... Mortgage Financing: Signs Of Predatory Lending If you're shopping for a home loan, you can save thousands of dollars by being aware of predatory lending practices, in which you're charged too much for your loan or are forced to buy services you don't really need. You can protect yourself by learning to recognize the signs of predatory lending. The Center for Responsible Lending lists seven specific warning signs that consumers should be aware of when applying for a mortgage. The first warning sign is excessive points a... Beware Of Agents Who Buy Your Listing If you're selling your home, there's a certain kind of real estate agent you must be aware of: the agent willing to buy your listing. They're not technically being dishonest, but you should be aware of what's happening in such scenarios. What does "buying your listing" mean? Well, in simple terms, it simply means that the agent wants to put a sign in your yard, bearing their company's name and phone number. Why? Because they want to use your property as advertising to ... Wind Energy: Umm Leads The Way For American Universities In March 2005, the University of Minnesota-Morris became the first public American university to install a large-scale wind turbine to help meet the school's electrical needs. Since it was installed, the generator has supplied some 60 percent of the university's power. The rest of the school's power needs are purchased from Otter Tail Power Company's Tailwinds Program. Those figures mean that whether the electricity is generated on site or purchased off the grid, 100 perc... Home Seller's Tips: Prepare Your Home With These 7 Action Steps If you're selling your home in a cooling real estate market, here are some steps that you can take to prepare your home for a quick sale without lowering your price. 1. Profile your perfect home buyer or "Target Market." Don't market your home to an investor if you want to get top dollar! Think about the people who own homes and live in your neighborhood. Are they ordinary folks or doctors and lawyers? Are the new home owners, first-time home buyers or move-up buyers? ... #1 Real Estate Investing Mistake Of 2005 Over the past few years, real estate investors, hungry for break-even or positive cash flow rental properties, purchased income properties out of state. California investors bought houses in Florida, Texas, and Oklahoma. Florida investors purchased houses in Louisiana. Texas investors purchased in Las Vegas. Many of these investors made millions of dollars because of the appreciation in hot markets. On the other hand, in 2005, some beginning investors lost their hard-earne... Real Estate Bubble Aftermath Last spring, I was invited to go to Philadelphia and participate in a "real estate bubble" discussion on Ch 8's "Money Matters Today." Television reporters, newspapers, and media hype love scaring you to grab your attention. On the TV show, I defended the real estate market. What's behind all this bubble talk? Before you give any substance to warnings about a "real estate bubble," look closely at the source. Many stock brokers jump on the bandwagon of real estate doom t...

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