Tuesday, September 26, 2006
consultations available
for those first time home buyers. beware, yes beware of the vultures and wolves out there who will prey upon the newness of you seeking that place to call Home for the first time. get a jump ahead of the unspoken rules of the land to arm yourself.
for those new rookie agents who are recently and not so new to the field, now is the time to seize the opportunities of bringing your craft to the next level.
if you are already swimming in the shark infested waters, give me a call and lets discuss what can be done to smooth and calm the waters in making it better for you. if you're about to jump in, start with me to arm you with the right info to get it right. contact me for rates, and lets begin.
for those new rookie agents who are recently and not so new to the field, now is the time to seize the opportunities of bringing your craft to the next level.
if you are already swimming in the shark infested waters, give me a call and lets discuss what can be done to smooth and calm the waters in making it better for you. if you're about to jump in, start with me to arm you with the right info to get it right. contact me for rates, and lets begin.
notary public ( & signing agent )
some of the notarial acts that are performed:
1) acknowledgements: certifying that a signer personally appeared before the notary, was identified bt the notary, and acknowledged freely signing the document.
2) jurats: as found in affidavits and other sworn documents, certifying that the signer personally appeared before the notary, took an oath or affirmation from the notary, and, usually, signed in the notary's presence.
3) proofs of execution: certifying that a subscribing witness personally appeared and swore to the notary that another person, the principal, signed a document.
4) protests: certifying that a written promise to pay, such as a bill of exchange, was not honored.
5) safe deposit box opennings: by a bank must be witnessed by notaries.
1) acknowledgements: certifying that a signer personally appeared before the notary, was identified bt the notary, and acknowledged freely signing the document.
2) jurats: as found in affidavits and other sworn documents, certifying that the signer personally appeared before the notary, took an oath or affirmation from the notary, and, usually, signed in the notary's presence.
3) proofs of execution: certifying that a subscribing witness personally appeared and swore to the notary that another person, the principal, signed a document.
4) protests: certifying that a written promise to pay, such as a bill of exchange, was not honored.
5) safe deposit box opennings: by a bank must be witnessed by notaries.
Monday, September 25, 2006
the slope area streets ( the park )
mortgages
so, you're a first time home buyer. maybe a serious investor. could be on a second or third go around of ownership. even owning presently.
whether reading the papers, watching the local news, glancing through the biz sections of magazines. the news is that rates are climbing upwards a bit. things seem to be stable. prices of houses are starting to go downward. greed is catching up to the new york region to the rest of the country. meaning slashed prices of even new construction.
all the while you want to make money or save even more than what you're paying.
are you planning to keep the new purchase for a few years, 7-10 years, longer. all these can give you varying cost saving payments. are one of the few who is still in corporate work force, or independant contractors, self employed. each of these will determine a better rate for you.
decent credit, to all the rave of bankruptcy, or anywhere in between. we can get you that mortgage. yes, shop around. and then come to us, where we can work with you and give you the attention that you deserve. along with securing a mortgage that will make you a homeowner, saving money, or on your way to being an investor.
whether reading the papers, watching the local news, glancing through the biz sections of magazines. the news is that rates are climbing upwards a bit. things seem to be stable. prices of houses are starting to go downward. greed is catching up to the new york region to the rest of the country. meaning slashed prices of even new construction.
all the while you want to make money or save even more than what you're paying.
are you planning to keep the new purchase for a few years, 7-10 years, longer. all these can give you varying cost saving payments. are one of the few who is still in corporate work force, or independant contractors, self employed. each of these will determine a better rate for you.
decent credit, to all the rave of bankruptcy, or anywhere in between. we can get you that mortgage. yes, shop around. and then come to us, where we can work with you and give you the attention that you deserve. along with securing a mortgage that will make you a homeowner, saving money, or on your way to being an investor.
4 rent
in the slope area this total three room place is ready to be called home to you. you have a decent EIK area. newly renovated throughout. one room is larger then the other two, from the three.
this NO FEE apartment is located near the (R) prospect avenue subway. near shopping, dining, delis, buses along both 7th & 5th avenues.
when you need to be in the park slope neighborhood, this will do the trick.
4 sale
here we have TWO condos available. both are 2 br 1.5 ba. each are asking 695K. great locale in carroll gardens. near the (F) bergen street subway.
bsmt storage. shared roof deck. psst, a washer/dryer included. even a tax abatement for 11 years. airy and full of sunshine throughout.
new rookie agent ( new to real estate )
the summer is gone. the heated weather and competition has almost kicked your butt. and yet you're still actively alive to tell about it. did you end up wearing shorts and a tee while showing places (that's for the customers, not you). did you answer your phone with a "yeah..." (not professional). did you take the weekends off to go to the beach or hamptons (no money to be made).
regardless of the season or temperature a new agent must consider their image and presence to the public. even when you are doing grocceries with your partner, or dining with friends at the local eats, or doing laundry down the block. because there is no excuse to be slumming it whether on the clock or off. you first are showing all how you see yourself and therefore to the public.
going to the dentist or white table cloth dining, i see the folks giving me attention how they are dressed. even the local cop or sanitation guy, or fedex, brown trucks, they all have a way of dressing that makes you know what they do for a living. as a new agent, the same applies to you.
why dress like you're going the the beach, or shopping at target, or even jogging in the park. i mean while you are in the work mode, or off hours. because all the eyes are all seeing in the area you work. dress the part. portray the image of a professional. not slumming.
regardless of the season or temperature a new agent must consider their image and presence to the public. even when you are doing grocceries with your partner, or dining with friends at the local eats, or doing laundry down the block. because there is no excuse to be slumming it whether on the clock or off. you first are showing all how you see yourself and therefore to the public.
going to the dentist or white table cloth dining, i see the folks giving me attention how they are dressed. even the local cop or sanitation guy, or fedex, brown trucks, they all have a way of dressing that makes you know what they do for a living. as a new agent, the same applies to you.
why dress like you're going the the beach, or shopping at target, or even jogging in the park. i mean while you are in the work mode, or off hours. because all the eyes are all seeing in the area you work. dress the part. portray the image of a professional. not slumming.
1st time home buyer
ah, the first time home buyer is on the prowl. prices are ever so slowly inching downward. the feel of wanting and the desire to finally own is hitting harder now. yet the whole approach at times is ass backwards.
too many folks are first seeking the claimed neighborhood, okay good choice. seeking out the right building or apartment. then the joy of haggling with a price. then afterwards with not as much attention to find a mortgage.
funny thing. you want to know how much mortage and monthly payments you can truly afford. then add maint. or common charges and RET to that number. opps, add the closing costs. and...
how long are you going to own the new home. that will or can determine the rates and terms of the monthly payments. less or lower payments, even with sometimes a higher loan amount. somehow you need to equate the buying experience like going out food shopping for the week, yet you only have a few dollars in your pocket. that just doesn't work.
you gotta plan ahead. plot and plan the course of action. figure out the costs, monthly pymts, and all the other details all before you go out looking and seeking that place to call home. no need wasting your time to only find out you have been looking for a way different price range.
too many folks are first seeking the claimed neighborhood, okay good choice. seeking out the right building or apartment. then the joy of haggling with a price. then afterwards with not as much attention to find a mortgage.
funny thing. you want to know how much mortage and monthly payments you can truly afford. then add maint. or common charges and RET to that number. opps, add the closing costs. and...
how long are you going to own the new home. that will or can determine the rates and terms of the monthly payments. less or lower payments, even with sometimes a higher loan amount. somehow you need to equate the buying experience like going out food shopping for the week, yet you only have a few dollars in your pocket. that just doesn't work.
you gotta plan ahead. plot and plan the course of action. figure out the costs, monthly pymts, and all the other details all before you go out looking and seeking that place to call home. no need wasting your time to only find out you have been looking for a way different price range.
rental world
the time has ever so slowed down just a bit. you may have a moment to ponder a place. realizing there is no need to be led down the path to the wolves of the claim of multiply applications on the one you may want. nor the ever flow of onlookers viewing the same place you have just seen. since school and recent graduates have already secured their place to call home.
yet the ponderings of which neighborhood....that you may want to be more final with where you want. cuz even the slightest price may appear to be good, but is it for that neighborhood. if you feel the urgent need to be in a certain neighborhood, then almost just grab a decnt place to be in that area. since only time will allow you to feel the needs and desires of what you like and want in a place to call home.
you know, the nearest deli, the one you really like. the best laundromat, that won't super-shrink your best tee. the tree lined street that does have the most quiet place on the block, not the one that has the firehouse on it. and the list is endless....
so you may have a moment to catch your breathe upon deciding on a place to call home. you still need to realize that there are others like you, also searching. even after you have seen and placed an application. you want to have all the needed papers handed in first, and upon the first meeting. since there will be someone else right behind you who will have their papers and stuff faster and on the ready, to beat you to the lease signing. so have the needed items at the ready, always in hand.
yet the ponderings of which neighborhood....that you may want to be more final with where you want. cuz even the slightest price may appear to be good, but is it for that neighborhood. if you feel the urgent need to be in a certain neighborhood, then almost just grab a decnt place to be in that area. since only time will allow you to feel the needs and desires of what you like and want in a place to call home.
you know, the nearest deli, the one you really like. the best laundromat, that won't super-shrink your best tee. the tree lined street that does have the most quiet place on the block, not the one that has the firehouse on it. and the list is endless....
so you may have a moment to catch your breathe upon deciding on a place to call home. you still need to realize that there are others like you, also searching. even after you have seen and placed an application. you want to have all the needed papers handed in first, and upon the first meeting. since there will be someone else right behind you who will have their papers and stuff faster and on the ready, to beat you to the lease signing. so have the needed items at the ready, always in hand.
here in the slope
wow, the weather is a changing. as is the climate for buyers and sellers. upon looking in the rear view mirror, times are different right now. yet folks are still pondering the past, as in last year and the new year. prices and rates have changed.
the lucky sellers are wise to have adjusted their prices accordingly. since the rest of the greedy sellers still have their properties on the market with not much fanfare. those sellers are still stuck in the old price and ways.
psst...the rates have risen, and there is more inventory to choose from folks. therefore sellers cannot command the prices of yesteryear in today's climate. unless you have no issues with letting your property stay on the market for way too long, and having no one even look at the facade.
the climate is dictating that asking prices are needed to be adjusted to the current market. thus, less than before. the need to dress up that building, since image is important. sweep and clean the place. fresh paint does wonders. get rid of any overpowering smells that will scare off almost anyone. be accessible to have all view the place if you truly want to sell.
the lucky sellers are wise to have adjusted their prices accordingly. since the rest of the greedy sellers still have their properties on the market with not much fanfare. those sellers are still stuck in the old price and ways.
psst...the rates have risen, and there is more inventory to choose from folks. therefore sellers cannot command the prices of yesteryear in today's climate. unless you have no issues with letting your property stay on the market for way too long, and having no one even look at the facade.
the climate is dictating that asking prices are needed to be adjusted to the current market. thus, less than before. the need to dress up that building, since image is important. sweep and clean the place. fresh paint does wonders. get rid of any overpowering smells that will scare off almost anyone. be accessible to have all view the place if you truly want to sell.
