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tag:blogger.com,1999:blog-7578149460203613259.post9059277109151076055..comments2018-04-03T22:16:48.489-04:00Comments on Bloggy Book Club: It's October!!Rissaleehttp://email@example.com:blogger.com,1999:blog-7578149460203613259.post-76320392051472096322009-10-16T20:34:23.757-04:002009-10-16T20:34:23.757-04:00Robert Frost is one of my favorite poets! However,...Robert Frost is one of my favorite poets! However, I must confess that I am only familiar with his more popular poems... so it was nice to breeze through his book of poetry and long narratives.

"THE ROAD NOT TAKEN" is my all-time favorite and I am blessed to get to teach it to my 9th graders (usually in April). But how appropriate as we are on the cusp of Fall that we get to journey with him in the "yellow" wood. I love that one word gives so many images and hints to season/weather, etc. I always use this poem as an allusion to the "narrow" road to heaven. I also like to mention that one has choices in life and one must always be confident in their decisions in order to look back with peace and contentment. What a shame to ask "what if" at the end... or to realize that your road took you no where. There is an Ansel Adams print of a dirt road that I should turn into art with this poem. I will post it on facebook. I love the art and now that I think of the imagery of this poem, it fits it beautifully! I also got a nice wood sign for my backyard with the last line on it. It makes me smile each time I think about the road I travelled to get to Brian and Tahlequah and being a teacher, and above all, to Jesus.

Here are the three that I picked:

1.) "SPRING POOLS"

These pools that, though in forests, still reflect
The total sky almost without defect,
And like the flowers beside them, chill and shiver,
Will like the flowers beside them soon be gone,
And yet not out by any brook or river,
But up by roots to bring dark foliage on.
The trees that have it in their pent-up buds
To darken nature and be summer woods---
Let them think twice before they use their powers
To blot out and drink up and sweep away
These flowery waters and these watery flowers
From snow that melted only yesterday.

*I really like the imagery in this poem... Frost was such a mountain/nature man! :) It is almost as one would enjoy his poetry that much more if he or she was sitting outside.

2.) "THE DUST OF SNOW"

The way a crow
Shook down on me
The dust of snow
From a hemlock tree

Has given my heart
A change of mood
And saved some part
Of a day I had rued.

*This is a really simple poem and I picked it because my literature book uses it to teach meter. I like the phrase "dust of snow."

3.) "FIRE AND ICE"

Some say the world will end in fire,
Some say in ice.
From what I've tasted of desire
I hold with those who favor fire.
But if it had to perish twice,
I think I know enough of hate
To know that for destruction ice
Is also great
And would suffice.

*A very profound poem that I also get to teach my 9th graders! They usually first understand the poem as the physical destructive elements of fire and ice. However, after talking about the "hidden, deeper, meaning" of the words they understand that hatred and passion are just as strong. Yes, the world can end in hatred! That FIREy passion to do wrong. Yes, the world can end in ICE-- the cold disposition of not caring.

4.) "THE SOUND OF TREES"
I WONDER about the trees.
Why do we wish to bear
Forever the noise of these
More than another noise
So close to our dwelling place?
We suffer them by the day
Till we lose all measure of pace,
And fixity in our joys,
And acquire a listening air.
They are that that talks of going
But never gets away;
And that talks no less for knowing,
As it grows wiser and older,
That now it means to stay.
My feet tug at the floor
And my head sways to my shoulder
Sometimes when I watch trees sway,
From the window or the door.
I shall set forth for somewhere,
I shall make the reckless choice
Some day when they are in voice
And tossing so as to scare
The white clouds over them on.
I shall have less to say,
But I shall be gone.

*So I picked this one because of the title... who said you can't pick a poem by it's cover? ;)fthluvhopehttps://firstname.lastname@example.com:blogger.com,1999:blog-7578149460203613259.post-28932508108474280372009-10-14T14:40:51.017-04:002009-10-14T14:40:51.017-04:00Tis the month of grace! I feel exhilarated! I am...Tis the month of grace! I feel exhilarated! I am half-way through the reading for Oct - via your blog. And I found on my own bookshelf - the "Comprehensive Anthology of American Poetry". Lo and behold, it contains Robert Frost's poetry. Now I shall choose my other three poems and finally complete (1) book club reading. I will post comments later, but I am on my way at last!gigihttps://firstname.lastname@example.com


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Below the fold, a letter from Pesticide Action Network Asia/Pacific on the application by the Malasian Institute for Medical Research to release GM mosquitoes into the wild.
We refer to the public announcement by the National Biosafety Board of Malaysia about the application by the Institute for Medical Research (IMR) for the release of genetically modified male Aedes aegypti mosquitoes in Pahang and Melaka (referred to as Living Modified Organisms or LMOs of the OX513A strain) (Reference No. NRE(S) 609-2/1). We have serious concerns and objections.
First of all, there is a lack of transparency and information about the genes involved in the genetic engineering of the mosquito. For example, how is this male LMO 'created'? Is there not the risk of a margin of error that might allow female LMOs to be selected in the process? What are the sources of the molecular marker and the 'lethal' gene that will make the offspring of the LMO and a female Aedes aegypti die? This is very critical.

subset: commoncrawl


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There are few places that I've traveled to that are more magical than Ireland. My first visit was in 2001 while studying abroad in Cambridge, England. As much as I loved living in the UK, my roommates had to physically drag me onto the plane to leave my beloved Eire.
10 years later, I found myself touching down in Shannon, Ireland again. This time with my parents and the required age (*sigh*) to be able to rent a car and drive through the countryside on narrow, winding roads. The difference between my original visit and my visit last year? Rather than staying in budget hostels, my parents and I spent our chilly evenings among the comfort of bed and breakfasts. Besides the fluffy beds and occasional family pet, the best part of these stays were often the second part of their names... the breakfast.
Thanks to the magic of tripadvisor, we knew the specialties of each house prior to arrival and after having some pretty delicious Irish brown bread at Daly's House in Doolin, it remained to be seen whether our stay at Milestone House in Dingle could compare. Apparently proprietors, Michael and Barbara, know how to churn out some legendary brown bread. As we sipped on our coffee and enjoyed fresh rhubarb chutney, Michael carried out the bread with much pomp and circumstance. After a few bites, we soon devised plans for smuggling the bread out for our mid-morning and mid-afternoon snacks later that day. Thank goodness for disposable napkins!
With St. Patrick's Day on the horizon and realizing that almost a full year has passed since my journey to Ireland, I decided that today was the day to test out a soda bread recipe. Although Michael and Barbara did email me their famous recipe and give pointers, my parents had a massive fail with the recipe. Rather than facing frustration, I turned to my trusty Cook's Illustrated cookbook. Because my cupboards are already full of too many one-dimensional ingredients and didn't need wheat germ added this week, I opted to go for white soda bread rather than brown. Who needs health when it's a holiday?
The results? A giant, pillowy buttermilk biscuit in the form of bread. Ah-mazing. Irish eyes must have been smiling.
Classic Irish Soda Bread
From The Cooks Illustrated Cookbook
3 cups all-purpose flour
1 cup cake flour
2 tablespoons sugar
1 1/2 teaspoons baking soda
1 1/2 teaspoons cream of tartar
1 1/2 teaspoons salt
2 tablespoons unsalted butter, softened, plus 1 tablespoon melted for brushing loaf
1 3/4 cups buttermilk
- Adjust oven rack to middle position and pre-heat oven to 400 degrees.
- Whisk together all-purpose flour, cake flour, sugar, baking soda, cream of tartar and salt together in large bowl.
- Add softened butter and use fingers to rub it into flour until incorporated completely.
- Make well in center of flour and add 1 1/2 cups buttermilk.
- Work buttermilk into flour mixture using fork until dough comes together in large clumps and there is no dry flour in bottom of bowl, adding 1/4 cup more buttermilk, 1 tablespoon at a time, until all loose flour is just moistened.
- Turn dough onto lightly floured counter and pat together to form 6-inch round; dough will be scrappy and uneven.
- Place dough in 12-inch cast-iron skillet (I put on cookie sheet). Score deep cross, about 5 inches long and 3/4 inch deep, on top of loaf and place in oven.
- Bake until nicely browned and knife inserted in center comes out clean, 40 to 45 minutes.
- Remove from oven and brush with melted butter.
- Let cool at least 30 minutes before serving.


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Haunted Tree Decoration
DiscontinuedProduct # FO67130
Product Includes
- Tree decoration
Purchase Product
Sorry, this item is Out of Stock
Product Description
Turn any indoor living space into a creepy forest scene when you use this haunted tree decoration. This haunted tree decoration comes disassembled. Directions to assemble the tree decoration are included. The tree features a hollow face appearance. Check out all of our decorations for a spooky haunted house!
Attention Customer
This product is only available for sale in the United States and may limit available shipping options. This product cannot be shipped to any other country.


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Position: Senior Project Manager
Location: Midlands
Salary: £40,000-50,000k plus benefits
We are recruiting for a Leading Construction company, who are looking to expand their team in the Midlands. They require an experienced Electrical T& D Senior Project Manager to assist them with the running of Electrical Connections and New & Commercial Developments from enquiry through to design, construction and connection. To support the Utility connections team in helping and developing their overall strategies and long term development. They are one of the market leaders and this is an exciting role and opportunity not to be missed.
Success in this role would lead to further opportunities to develop your career as the company continues its rapid growth.
To be successful in this role, our client would expect you to have:
This is an excellent opportunity to join one of the UKs leading and most prestigious brands so please do not hesitate to contact me to find out more by phone or email 0207 743 7544
7544 or
Anderselite Ltd operates as both an Employment Agency and Employment Business.Our non-discrimination policy can be viewed on our website at anderselite .com /non-discrimination-policy


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New Directions: A Network for Former 3rd Sector Chief Officers
Thursday, 9 July 2015 from 12:00 to 14:00 (BST)
Event Details
New Directions
A new ACOSVO network for former and
retired third sector Chief Officers
ACOSVO is launching a new network for "retired" third sector Chief Officers (we know many now have portfolio careers and are busier than ever!), and we'd like to invite you to be part of it.
This network aims to help you retain strong links as a leader in Scotland, give the opportunity to both provide and receive peer support in your new direction, build further connections throughout the sector and to ensure we don't lose the wealth of knowledge you have accumulated as a former Chief Officer.
The first of these meetings will take the form of networking lunches in both Edinburgh and Glasgow.
If you cannot attend the event but would like to be kept informed of future New Directions events and information, please contact: email@example.com.
When & Where
Chez Jules
109 Hanover Street
EH2 1DJ Edinburgh
United Kingdom
Thursday, 9 July 2015 from 12:00 to 14:00 (BST)
Add to my calendar
Our Vision is: 'Excellent Third Sector Leadership in Scotland'
Our Mission is to:
Shape the future of Scotland's third sector by providing every leader with opportunities to develop, influence and excel
If you are a third sector leader in Scotland click HERE to become a member of ACOSVO or to find out more


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You cannot open a shared Outlook folder from another user
Posted by on 21 October 2011 01:14 PM
You receive an email from a user who uses Microsoft Office Outlook 2010 that invites you to view their Outlook calendar. However, the email message does not have an option that allows you to accept their invitation, only an attached XML file. In this case, you cannot open the shared Outlook folder that the user shared to you.
You attempt to open another user's outlook calendar using the "Open Shared Calendar" feature and selecting the contact from the Global Address List. That user's calendar is either blank (even though they have events in it) and/or a "Insufficent permission" alert bubble appears on your system tray.
Let's assume person A is trying to view person B's calendar.
A should now be able to open B's calendar using the following steps:
A should now be able to view B's calendar.
More Information:
There is more information regarding this problem at http://support.microsoft.com/kb/2816258


text:
Outlander Just Made a Huge Change From the Books – but Why?
There are a couple aspects of Diana Gabaldon's Outlander book series that have confused readers a bit over the years. One such example is the "Fraser Prophecy," which is quite different in the books than it is on the show, as viewers found out during the latest episode. Light spoilers ahead!
In the books, Reverend Campbell tells Claire that there is a prophecy made by the Brahan Seer about Simon Fraser of Lovat, Jamie's grandfather, nicknamed "The Old Fox," whom we meet in season two when Jamie is looking for more troops to fight for the uprising. But the book version of the prophecy states that a new ruler of Scotland will spring from Lovat's lineage. It will come to pass after "the king of the white rose" is eclipsed, which the reverend tells Claire is a clear reference to the Papist Stuarts (Bonnie Prince Charlie was a Stuart).
The prophecy is why Geillis takes such an interest in Brianna when she learns that Jamie has a daughter. Apparently Lord Lovat's line had originally died out in the 1800s, but now that Jamie has a daughter, the line has not actually gone extinct. What makes things a bit confusing to readers, though, is that Jamie's sister Jenny has many children, so why would Lovat's line be considered extinct?
The short answer is because female heirs generally do not count. If a man has a son who takes on his title but then has no male heirs of his own, the line becomes "extinct," even if the man has daughters who end up having male heirs. But then that raises the question of even if Jamie is a legitimate heir, wouldn't Brianna "not count" because she's female? Wouldn't the line become extinct there if you don't know about William's existence, which Geillis does not?
The prophecy comes up again in book eight, Written in My Own Heart's Blood, in the form of Brianna finding a letter Frank hid for her warning her that some conspiracy theorists may be quite interested in her because she fits the prophecy. However, William fits the prophecy too. It has all been left up in the air in the books and hopefully it will be resolved by the end of the series, because it's quite confusing at this point. But the show has chosen to significantly change the prophecy in order to more specifically target Brianna and also change who is supposed to rule Scotland.
On the show, Geillis, Reverend Campbell, and the reverend's sister, Margaret, have a conversation about the three sapphires in Dougal's treasure that had been passed down from father to son for generations. The show decides to make the Brahan Seer's prophecy more of a direction than a prophecy: a seer must hold all three sapphires at once and then that person will know when the new Scottish king will rise.
When Margaret, a seer, holds the sapphires at the governor's ball, she has a vision and says, "When twice 1,200 moons have coursed, 'tween man's attack and woman's curse, and when the issue is cut down, then will a Scotsman wear a crown."
Geillis and the reverend then have a conversation discussing Margaret's vision, so as to plainly lay out for viewers what that all means. Basically, it means that a child who is born 200 years after he or she was conceived must be "cut down" and then a new Scottish king will rise.
So Brianna is not the ruler; Brianna is the child who must be "cut down," because 200 years passed between when Claire and Jamie conceived her and when she was actually born. Interestingly, the show's version of the prophecy now means that anyone could be king. There is no mention of the king having to spring from Lord Lovat's lineage.
But it does mean that Brianna's life may be in danger, from Geillis or someone else who finds out about Brianna's existence, because Scotland will not gain independence until Brianna dies, according to the prophecy.
It's an interesting change. It makes the immediate stakes a little more clear and also perhaps allows the show to never mention the prophecy again, which we can get into after the season three finale next week (no spoilers here as to what may or may not happen).


text:
The Riot, by Wilson, Laura
Note: Supplemental materials are not guaranteed with Rental or Used book purchases.
- Cover: Paperback
- Copyright: 11/1/2016
This is the 5th historical mystery in the award-winning "Inspector Stratton" series. Having started during the Blitz with Innocent Spy, we have now arrived at the summer of 1958. Detective Inspector Stratton is investigating the murder of a rent collector in Notting Hill, a part of London seething with racial tensions between Caribbean immigrants and their white working class neighbors. And then a second body makes it pretty clear that race is a key element to these murders. Like the rest of the series, The Riot is based on real events and characters, on which it sheds new and revealing light. It is both an involving murder mystery, and a fascinating dive into London life in 1958, full of both details of daily life, and cameos by notorious public figures. If the name "Notting Hill" brings to mind a certain Hugh Grant movie, you will be very surprised to uncover the story of that neighborhood in its much less fancy days.


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Thursday, December 28, 2006
CNNMoney.com Reports Rise In New Home Sales
New home inventories remain high, but November sales indicate a bottoming out of the new home market.
Interested in buying a new home? Visit my website to search all new home listings in central New Jersey.
Friday, December 22, 2006
BankRate.com Mortgage Tips
1. Review your mortgage -- does it still fit your circumstances?
2. Watch out for reset.
3. Don't pay the minimum on an option ARM.
4. When you get a mortgage, shop around.
5. Make an extra payment.
6. Think about getting mortgage insurance instead of a piggyback loan.
7. Be skeptical.
Read the full story...
Saturday, December 16, 2006
Tax Deduction For Mortgage Insurance
Saturday, December 09, 2006
New Jersey 14th Healthiest State
The report weighed such factors as prevalence of obesity, smoking, infectious disease, cardiovascular deaths, infant mortality, child poverty, immunization rates, workplace deaths and auto deaths in determining rankings.
Overall, Americans were healthier in 2006, but continue to lag behind many other nations in infant mortality.
New Jersey's strengths included low percentage of children in poverty, high rate of high school graduation, low prevalence of smoking and low infant mortality rate. Challenges for New Jersey are limited access to prenatal health care and high incidence of infectious diseases.
Minnesota ranked as the healthiest state and Louisiana came in last. Read full report...
Friday, December 01, 2006
5 Tips For Selling A Home In A Buyer's Market
BankRate.com has a great article for seller's with tips on how to sell in a buyer's market. The tips include:
1. Prepare yourself mentally for what you're about to go through.
2. Get ready for picky buyers.
3. Educate yourself about your neighborhood's real estate market.
4. Hire an inspector.
5. Consider paying the buyer's discount points.
If you are thinking about selling your home, the article is worth a full read! Then visit my website or give me a call. I'm here to help with all your real estate needs.
Sunday, November 26, 2006
Interest Rates At 10 Month Low
Friday, November 17, 2006
Top Tips For Selling A Home During The Holidays
-Minimize holiday decorations to keep focus on your home and its features and benefits.
-Less is more when decorating a home for the holidays while you are trying to sell. Streamline the amount of holiday specific decorations you display.
-Christmas trees and other large holiday decorations consume space that might make rooms appear smaller.
-Install and remove exterior holiday decorations 2 weeks before and after holiday.
-Turn off lighted holiday decorations before showings, buyers should focus on your home and not your decorations.
-If you are having out-of-town house guests, ask your agent to postpone showings until after your guests depart.
-Leave out a plate of home-made holiday treats for potential buyers.
-Display summer photos of home and gardens to inform buyers of the features of the home in other seasons.
-Before showings remove snow, ice and leaves from walkways and driveways. Don't overlook outside entrances to basements, garages, and porches.
-If you plan to close the purchase or sale of a home near a holiday, check with your agent, title, company and lender to verify two business days before closing that they have all the required documents and funds have been wired to complete the transaction.
-If you are closing on your new home, select a mid-week day, early in the day, to schedule your closing time, to accommodate last minute delays by a mortgage loan processor, insurance or title company.
-If you plan to move during the holidays, keep in mind that moving companies will require more notice and could charge additional fees for packing, moving and delivering household goods on week-ends and holidays.
Visit my website for all New Jersey real estate listings, get the current market value of your home and more!
Monday, November 13, 2006
Should You Try to Sell Your Home During the Holiday Season?
10 reasons why you should list your home during the holidays
1. Most November and December buyers are particularly serious and very likely facing some sort of deadline.
2. January is the biggest transfer month of the year and job transferee's use the holidays to house hunt.
3. Many people want to buy before the end of the year for financial and tax reasons. Investors usually want to close escrow by year-end for tax purposes.
4. Most sellers wait until spring or summer to list their home. This means that during the winter months your property will have far less competition versus any other time of the year.
5. Homes show well when decorated for the holidays creating a sense of family and people are much more emotionally drawn to the house, emotion sells.
6. Many people take vacation around the holidays allowing more time to look for a home.
7. Remodeling, decorating, appliance installation and other services are more available and at less of a premium.
8. There is plenty of mortgage money available for buyers.
9. Lenders aren't as busy and can process loans faster.
10. Showings will be fewer and less intrusive, but more likely to be fruitful with motivated, qualified buyers.
visit my website for all New Jersey real estate listings, get the current market value of your home and more!
Saturday, October 28, 2006
CLUE Report Alerts Buyers To Damages
Based on claims information submitted by insurers to the CLUE database, the report includes dates, types of claims, and the amount paid for each claim. If the report shows no losses, a home buyer can feel confident that no one has filed a fire, flood, windstorm or other claim against an insurer. However, if a claim has been filed, the buyer will know to take an extra-hard look at the area that was damaged. Also if the report shows that someone has filed a water-based insurance claim for mold, that might be reason enough to move on. A mold claim often makes it difficult for subsequent owners to obtain homeowners insurance. And if they can obtain insurance, it might be extremely expensive.
Only the home owner can obtain a CLUE report, so the buyer will have to ask the seller to purchase one. The report costs $19.50 and can be obtained from the ChoicePoint Web site.
If you would like more information on CLUE reports or are interested in buying a home in central New Jersey, visit my website. Here you can view all real estate listings.
Friday, October 20, 2006
Small Business Tax Advantages
There are, also, tax advantages to owning your own home. The mortgage interest on your personal residence is tax deductible. Thinking of buying central New Jersey real estate? Visit JackieSafran.com to view all central New Jersey real estate listings.
Saturday, October 14, 2006
Time For Pumpkins & Corn Mazes
October is also a great time to think about buying or selling a home. visit my website for all New Jersey real estate listings, get the current market value of your home and more!
Friday, October 06, 2006
New Jersey Voting Information
General Election Day will take place on Tuesday, November 7, 2006. This year, the election takes place between voting years for the President of the United States. Therefore, 2006 is known as a "midterm election" year. In New Jersey, the thirteen seats of U.S. Congress and one of the U.S. Senate seats are up for election. The U.S. Senate candidates will be voted upon throughout the state. The U.S. Congressional Representatives will be elected into office by voters in the thirteen Congressional districts in New Jersey. There are also many local races that will take place at county and municipal levels.
Important Dates to Remember for the 2006 General Election:
Last day to register to vote for the 2006 General Election October 17
Absentee ballot applications due by mail October 31
Application deadline for Faxed Overseas Federal Ballot November 3
Absentee ballot applications due in person November 6
General Election Day
(Poll hours: 6:00 a.m. – 8:00 p.m.) November 7
Voter Registration Instructions
In order to register to vote in an election, you must be a United States citizen, at least 18 years old and reside in your county for at least 30 days before the election. Learn more about military and overseas voting.
To register to vote in New Jersey, mail your completed Registration Application to the Commissioners of Registration office in the county where you reside.
Registration deadline - 21 days prior to Election Day (October 17, 2006)
Change of Name/Address
Have you recently moved or changed your name?
Note: The Registration Application form can also be used for name and address changes.
If you've moved to a new city or town, you may have moved to a new district.
Find your County Clerk and contact them to check your voting district.
Don't forget to bring your ID to the polling place!
Applying for an Absentee Ballot
According to the NJ Division of Elections, any New Jersey voter can submit their vote via absentee ballot for any election.
To apply for an absentee ballot, download, print and complete the Absentee Ballot Application. Since an original signature is required, you must mail (7 days before the election) or hand deliver (by 3:00 p.m. on November 6, the day before Election Day) your complete application to the County Clerk.
For more information visit the NJ Division of Elections Absentee Ballot Information Page.
If you are thinking of buying or selling a New Jersey home, visit my website to view all real estate listings, get the current market value of your home and more!
Tags: new jersey voting instructions, new jersey elections, new jersey real estate, new jersey homes for sale, new jersey market value
Saturday, September 30, 2006
Mortgage Rates Plunge
Fall is great time to buy a home. There is more inventory and more homes to choose from. Interest rates are great also. Visit my website to view all New Jersey real estate listings. Then contact me. I'm here to help.
Tags: mortgage rates plunge, new jersey real estate listings
Friday, September 22, 2006
Home Energy Saver
This site, Home Energy Saver, is designed to help consumers identify the best ways to save energy in their homes, and find the resources to make the savings happen. You can calculate how much energy and money can be saved with energy efficient appliances. It also calculates heating and cooling consumption. There is a database of state incentives for Renewable Energy, along with state rebates and tax incentives for upgrading insulationto DOE-recommended levels of insulation. As well as, links to over 4,000 electric and gas companies.
If you are interested in saving on energy costs, you will enjoy this site.
Tags: home energy saver, high energy bills, save on utility bills
Friday, September 15, 2006
Identity Theft
Identity theft is a serious crime impacting more than 10 million victims each year. Often, consumers first learn they are identity theft victims when they are in the process of buying or renting a home and ruining thier dream of homeownership. The National Association of Realtors is working with the Federal Trade Commission to educate comsumers to minimize the risk of identity theft. This new initiative, Deter-Detect-Defend is focused on empowering consumers to protect themselves against identity and to minimize its impact.
Together, the NAR and FTC hope to educate consumers to take the necessary steps to deter, detect and defend against identity theft and make it more difficult for identity thieves to steal a consumer's personal information. This will help consumers better protect their credit, and increase the likelihood of realizing their home ownership dreams.
Deter Identity Theft
Consumers can deter identity thieves by safeguarding their personal information.
Detect Identity Theft
Consumers can detect suspicious activity by routinely monitoring their financial accounts and billing statements. Many consumers learn that their identity has been stolen after the damage has been done. The faster consumers detect the theft, the more they can limit the damage.
Defend Against Identity Theft
Consumers should defend against identity theft as soon as they suspect a problem. It's important to act quickly to minimize the damage.
Tags: identity theft, national association of realtors, federal trade commission, deter-detect-defend
Friday, September 08, 2006
Steps In Buying A Home
Buying a home is an exciting time, full of possibilities and pressures. Starting with some initial preparation and planning will help make the entire process more efficient and less overwhelming.
To start the ball rolling, you should:
Check Your Credit Rating:
Even if you are sure that your credit is excellent, it is wise to check on it at the outset. You'd be surprised how many mistakes are made due to faulty social security numbers, similar names or errors made by retailers. If there is an error, write a letter to the appropriate credit bureau. They are required to assist you in sorting things out and usually take about 30 days.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. AnnualCreditReport.com is the official website to help you obtain your free credit report.
If you have any questions about obtaining your credit report or reading it once you receive it, contact me or visit my website. Here you can view all central New Jersey real estate listings.
Tags: annual credit report, new jersey real estate, central new jersey real estate, central new jersey homes for sale
Friday, September 01, 2006
Metuchen Schools Open Sept. 11
It looks like Labor Day weekend is going to be pretty much of a washout with Ernesto coming through, but Metuchen students will have one more weekend to enjoy in their summer vacation.
With school almost upon us, I thought you might appreciat school related links.
Metuchen School District
School Calendars
Metuchen Adult School
Metuchen Public Library
Jersey Clicks
Homework Center
Stay dry this weekend and have a fun and exciting school year!
Tags: metuchen school district, metuchen schools open sept. 11
Thursday, August 24, 2006
BankRate.com Reports Lower Interest Rates
30 year fixed-rate mortgage rates have dropped for the 5th week in a row according to BankRate.com. Interest rates haven't been this low since the end of March.
If you are thinking of buying a home and want to learn how the lower interest rates effect your buying power, contact me or visit me website. Here you can view all New Jersey real estate listings, get the current market value of your New Jersey home and more!
Tags: bankrate.com reports lower interest rates, rates lowest since end of March, new jersey real estate listings, new jersey home market value
Thursday, August 17, 2006
Buyers Benefit From Market Correction
Slower Market Is Good News For Buyers
Just because the bidding wars of the last few years are over doesn't mean it is not a good time to own a home. In fact, the market correction that is taking place and balancing the market between buyers and sellers is good news for both buyers and sellers. Sellers are still seeing their homes appreciate, just not at the double digit rates of the last few years.
Buyers are benefiting the most, however. There is more inventory giving buyers more choices. Buyers also have more time to mull over their home buying decision. They now have time to sleep on a decision and don't have to fear another buyer will snap up their dream home if they don't act, NOW! Buyers, also, have more negotiating power now than in the recent past. It is not uncommon for sellers to pay closing costs, throw in appliances or paying condo or HOA fees.
Interest rates are up slightly, but are still under 7% which is a far cry from any historical highs.
If you are considering buying or selling a home in New Jersey visit my website and contact me to help you get the most out of your transaction.
Tags: slower market benefits buyers, New Jersey market correction, [tagname]
Thursday, August 10, 2006
An annual closing cost comparison survey conducted by BankRate.com has ranked New Jersey as 13 in the nation. The survey compared settlement costs from 10 lenders in all 50 states. The average cost for lender, title and settlement costs totaled $3,024. New Jersey's fees to close a loan total $3,158.
New York ranks number one with costs of $3,887 and Missouri came in last with $2,713 in costs. The good news is, New Jersey's 13th place is down from 4th place in 2005.
If you are thinking of buying a home and are interested in getting the lowest settlement costs possible, contact me or visit my website. I will put my expertise to work to help you get the best possible deal!
Tags: BankRate.com, closing costs, loan, mortgage, New Jersey, New York, Missouri, buy, home, settlement
Thursday, August 03, 2006
New Jersey property taxes are the highest in the nation. New Jersey also has more mucipialities per square mile than any other state with 21 counties and 566 municipal governments.
Many think one way to control propety taxes is to share services. Consolidation and economies of scale would be reflected in real savings.
Pahaquarry Township merged into Hardwick Township in Warren County in 1997, and the state has nearly 700 shared-services programs involving local governments.
In Somerset County, 17 municipalities, 10 school districts and the county government saved $13.6 million last year through shared services. Manville, Bound Brook, Raritan Borough, South Bound Brook and Bridgewater for instance, share a daytime weekday ambulance service.
Politics, bureaucracy and a desire by residents to have their own schools and communities are reasons that consolidation isn't more widespread.
Elected officials are wary of proposing forced consolidation, and residents have often been hesitant to support it.
What do you think?
Thinking of buying or selling a home in Central New Jersey? Visit my website to view all real estate listings, get the current value of your home, free reports and more!
Tags: taxes, property taxes, New Jersey, buy, sell,listings, real estate, Jackie Safran, buyer, seller
Friday, July 28, 2006
The U.S. House of Representatives has passed a bill which will increase homeownership opportunities for millions of Americans by modernizing the Federal Housing Administration (FHA) and returning it to its traditional role as an important financing option in today's housing market.
The Expanding American Homeownership Act will:
1) Eliminate the current statutory three percent minimum down payment, reducing a significant barrier to homeownership. The "new" FHA would offer a variety of down payment options.
2) Create a new, risk-based insurance premium structure for FHA that would match the premium amount with the credit profile of the borrower. It would replace the current structure, in which there is standard premium amount for all borrowers. FHA would have the flexibility to charge a lower premium for low-risk borrowers, and to charge higher-risk borrowers a slightly higher premium.
3) Increase and simplify FHA's loan limits. FHA's loan limit in high-cost areas would rise from 87 to 100 percent of the GSE conforming loan limit and in lower-cost areas from 48 to 65 percent of the conforming loan limit. This change is crucial in today's housing market. In many areas of the country, the existing FHA limits are lower than the cost of new construction, eliminating FHA financing as an option for buyers of new homes in those markets.
Thinking of buying or selling real estate in Central New Jersey? Visit my website to view all real estate listings, get the current market value of your home, free reports and more!
Tags: FHA, HUD, loan, financing, homeownership, insurance, buy, sell, real estate, New Jersey
Friday, July 21, 2006
College Park is Edison's newest townhome and garden home community built by Lennar with 240 homes, a 6,000-square-foot clubhouse with a fully equipped fitness center, an outdoor swimming pool, basketball courts and a tot lot. Standard amenities in college are lavish upgrades elsewhere, making this neighborhood a great investment.
College Park is within five miles of Metro Park, the Garden State Parkway, the New Jersey Turnpike, and Routes 1 and Interstate 287. This location is a commuter's dream. Residents are also are a short drive from ocean beaches and area marinas, as well as the professional sports venues at the Meadowlands and the downtown shopping, restaurants and theaters of New Brunswick.
If you are thinking of buying a new home, visit my website, give me a call or send me an e-mail. My experience and market knowledge will help you get the best value for your money.
Tags: college park, edison, new jersey, new construction, homes, real estatebuy, lennar, townhomegarden home, metro park, meadowlands, new brunswick
Friday, July 14, 2006
Dismal Swamp represents one of the last remaining wetland ecosystems in a highly urbanized environment. It has been designated by the United States Fish and Wildlife Service and Environmental Protection Agency as a priority wetlands area. Dismal Swamp covers nearly 650 acres of which 12 acres are located in Metuchen. (The remaining portion is in Edison and South Plainfield.) Our portion includes an upland area containing a deciduous forest. The swamp supports a diverse and extensive number of wildlife species. An endangered species, the loggerhead shrike, lives here along with an estimated 165 species of birds.
Paths through the swamp allow visitors to hike, bird watch, and look for evidence of other wildlife. A 25-minute slide show and presentation describing the Dismal Swamp is available at no charge.
Dismal Swamp is a great place to to spend an afternoon outdoors with the kids exercising and appreciating nature. Enjoy!
If you are thinking of buying or selling a home in Metuchen, visit me website. Here you can view all real estate listings, get the value of your home and more!
Thursday, July 06, 2006
Buying a home is an exciting time, full of possibilities and pressures. Starting with some initial preparation and planning will help make the entire process more efficient and less overwhelming.
To start the ball rolling, you should:
1. Check Your Credit Rating:
Even if you are sure that your credit is excellent, it is wise to check on it at the outset. You'd be surprised how many mistakes are made due to faulty social security numbers, similar names or errors made by retailers. If there is an error, write a letter to the appropriate credit bureau. They are required to assist you in sorting things out and usually take about 30 days. You can obtain a free credit report online at, www.AnnualCreditReport.com
When you see your credit report, you may have questions about what it all means. Don't hesitate to contact me or visit my website, I'm glad to help anyway I can.
Friday, June 30, 2006
The central bank boosted the federal funds rate, the interest that banks charge each other, to 5.25%, the highest level in more than five years. When the Fed started reining in credit two years ago, the rate was 1 percent, the lowest in 46 years.
How does the rate increase effect your ability to get a mortgage? Give me a call or visit my website. I will introduce you to a well-qualified, experienced, knowledgeable loan officer who will answer all your questions.
Thursday, June 22, 2006
Buyers who immediately disregard homes with small kitchens may be severely limiting their options. After all, small kitchens don't have to be cramped; they can be comfortable and efficient. Here are some tips for making the most of the space from Tampa, Fla., interior designer Jay Tenuta, owner of La Bella Interiors.
1. Buy a 24-inch deep refrigerator instead of the standard 30-inch one.
2. Add glass-fronted door to cabinets. They create the image of greater space. If that's too expensive, open shelving is another alternative that will give an open, airy look.
3. A fold-out table provides a breakfast nook, then disappears when it isn't needed.
4. Don't use the tops of your cabinets for decorative display when you can use them for storage. Affordable baskets and boxes are a perfect option.
5. Create an island on casters that wheels out of sight when it's not needed.
6. Surf the Web for space-saving ideas. For example, Ikea.com provides kitchen planning ideas, storage containers, and furniture made specifically for small spaces.
Source: St. Petersburg Times, Elizabeth Bettendorf (05/26/2006)
Thinking of buying or selling a central New Jersey home? Visit my website to view all available listings or to get your Free home evaluation.
Thursday, June 15, 2006
The National Association of Realtors is predicting a 5.3% increase in rents this year. This is more than double the 2005 increase and the largest increase since 2000.The only way to control your housing budget is to own your own home and not be at the mercy of your landlord.
Home prices continue to rise, but buying at today's prices is an investment in your future. New Jersey continues to see double digit appreciation which you can only benefit you if you own your own home. A mortgage payment is investing. A rent payment is throwing money away.
I am glad to show you a rent vs. buy comparison, so you can determine if buying a home is the right decision for you. So, contact me, today!
Thursday, June 08, 2006
A property survey is a map of a property showing where structures, easements and boundaries are located. To most buyers, being required by the mortgage company to have an updated survey for closing just seems like a waste of money. And, who wants to spend more money than absolutely necessary?
But, a survey is like insurance. The chances of you ever really needing it are slim, but if you ever do need it, you will be glad you have it. CNNMoney.com has a great article about folks who wished they had a survey. Be sure to take a look.
Thinking of buying or selling a home? Visit my website. Here you can look at all homes listed for sale in Hampton Roads and get a Price Valuation.
Tuesday, June 06, 2006
Sandra Nickel, Realtor in Montgomery, AL, has an excellent post on contingency contracts. What are they and should you as a seller accept one. It is short, sweet and informative.
Please contact me with any questions you have about contingency contracts or real estate in Southern New Jersey.
Friday, June 02, 2006
Tis the season for do-it-yourself projects. The honey-do- list at our house is a mile long and I am always looking for a way to make the job I am tackling easier. Sam Miller, an excellent Realtor in Mount Vernon, OH has a post with interior painting tips. If painting is on your list of projects, take a look.
If you are thinking of buying or selling a home, visit my website. Here you can view all local real estate listings.
Wednesday, May 31, 2006
Orange County Realtors, Drew and Linda Hartanov, have a great post on their Blog... 4 Common Mistakes Home Sellers Make and How To Avoid Them.
Take a look and then contact me, 732-548-5555 #314 with any questions you might have about how these mistakes relate to the New Jersey housing market.
You can receive a Market Valuation of your home by visiting: www.JackieSafran.com
Thursday, May 25, 2006
5 Powerful Buying Strategies
1. Don't Get "Pre-Qualified!" Get "Pre-Approved"
2. Sell First, Then Buy
3. Play the Game of Nines
4. Don't Be Pushed Into Any House
5. Stop Calling Ads!
Read this important post and put yourself in the best possible position to buy a home. Then contact me, or visit my website, so I can represent your best interests when buying your New Jersey home. I will take care of you just like family.
Friday, May 19, 2006
10 Financing Tips For Newlyweds
Money is a major sticking point in many new marriages and the number one cause of divorce and marital fighting. However, it doesn't need to be. Sam Goller and Deborah Shouse, co-authors of the new book "Yes, You Can . . . Achieve Financial Harmony," help newlyweds align their monetary values and beliefs to create a thriving marriage.
"Communicating about money is one of the top challenges for even the most open and articulate couples," Shouse explains. "Before you can build a financial foundation that supports your wants and dreams, it's necessary to understand what goals are important to you and your partner and why they are important."
Open communication is just the beginning. In their book, Goller and Shouse offer the following 10 tips to help couples achieve financial wedded bliss:
1. Come clean before tying the knot. - Avoid a fight about money after the honeymoon by talking about your individual financial situations before the wedding bells ring.
2. Spend time talking about money memories. - Most of us underestimate the impact our upbringing and traditional roles have on our current financial decisions. Sharing the past can relieve tension in the future.
3. Know when to pursue a money conversation and when to stop. - People who are tired, hungry, cranky or involved in cooking dinner aren't in a good frame of mind for holding meaningful money conversations. Talk about money issues at a time when you're both rested and mentally available.
4. Figure out what counts. - Prior to formulating a financial plan, talk about your priorities and what really matters to each of you when it comes to money.
5. Find your missing dollars. - Before you can spend your money in a way that gives you the greatest pleasure and helps you meet your goals, you have to understand your spending habits. Consider keeping a spending journal to find out where your money really goes.
6. Eliminate credit card debt. - The average American has more than $8,000 of credit card debt. Newlyweds can't afford to fall deeper into debt than they already are. Make paying off credit card debt a top priority.
7. Create an emergency fund. - What if a financial emergency strikes? Three steps to get you started on an emergency fund are:
* Determine how much you need.
* Figure out how to consistently save.
* Find a safe place to put your savings.
8. Find a system that works for you. - Maybe it's sitting down together each month to pay the bills as a team. Or maybe one of you is better at handling expenses than the other and prefers to do it alone. Find a system that works with your needs.
9. Don't stop talking. - To enjoy continued financial success as a couple, it is necessary to continue your money conversations on a regular basis. Many experts recommend sitting down with your spouse monthly to make sure you're still on track.
10. Personal growth. - Spending doesn't always have to be money. One of marriage's greatest rewards is spending time together. Learning and expanding your horizons as a couple or with friends can offer greater returns than any purchase.
"Achieving financial success doesn't have to be stressful, but it requires determination," Goller says. "Newlyweds have a huge advantage when it comes to investing for the future - time. By taking the time now to build a solid financial foundation, attaining financial independence is a real possibility."
The book "Yes, You Can . . . Achieve Financial Harmony" is available by calling (800) 234-3445 or online at www.stowers-innovations.com. (ARA)
Thinking of buying or selling real a home? Visit my website. You can view all real estate listings here.
Thursday, May 11, 2006
A Creative Alternative
Why not take a day trip to the Jersey Shore? Walk on the beach, fly a kite with the kids, look for shells. Then enjoy a nice dinner before heading home.
Click here to help you decide where to go and what restaurants are serving Mother's Day dinner.
Thinking of buying or selling real estate? Visit my website for the current value of your home and to view all local listings.
Thursday, May 04, 2006
1. Tax Breaks – The interest you pay on your mortgage, property taxes and some of your closing costs are all tax deductible.
2. Gains – Between 1998 and 2002, national home prices have increased an average of 5.4% annually. While no one can guarantee appreciation rates, the National Association of Realtors found a typical homeowner has approximately $50,000 of unrealized gain in their home.
3. Equity – Rent money is money that is thrown away while mortgage payments build equity. In 2003, the average renter was worth $5,000. the average homeowner was worth $175,000.
4. Savings – building equity in your home is a ready made savings plan. When you sell, you can generally take up to $250,000 as gain without paying federal income tax.
5. Predictability – Unlike rent, your mortgage payments don't increase. Your housing costs may actually decline as you own your home longer. Keep in mind that property taxes and insurance costs may rise, however.
6. Freedom – The home is yours. You may decorate and make improvements as you wish, as well as, benefit from the improvements you make.
7. Stability – Being members of a community allows you to participate in community activities, establish lasting friendships, and offers your children the benefit of educational continuity.
If you are considering buying your first New Jersey home, contact me. I will be assist you in determining if renting or buying is the right decision for you.
Wednesday, April 26, 2006
If your family has to wait in line to take a shower, or if you're storing pots and pans in the laundry room due to lack of cabinet space, it could be time to consider a home remodeling project. Not only will an updated space make your house more pleasant for you and your family, it can pay off in higher resale value.
To find out if your project will add to the resale value of your home, take stock of other houses in your neighborhood. Have many of them been upgraded in the past few years? If everyone on the block has added a bathroom or upgraded their master suite, these projects would be worth considering. On the other hand, you may not want to price your house out of the market by adding a third or fourth garage if that's not the standard in your area.
Remodeling Magazine conducts an annual survey that compares construction costs with resale values. Over the past four years, bathroom and kitchen remodeling have consistently shown good returns on investment. In 2005, a kitchen remodel that included updating cabinet fronts; replacing the oven, stove, sink and faucet; adding new paint or wall coverings; and replacing existing flooring recouped 98.5 percent of the job cost at resale time as a national average.
Bathroom remodels pay off even better. Updating a bathroom that is 25 years old with new fixtures, tub, and toilet; adding new tile, a solid surface vanity counter, ceramic floor and wallpaper recoups on average 102.2 percent.
Of course, you won't want to tackle a home improvement project solely for the resale value, especially if you intend to stay put for a while. A remodel can contribute to a better quality of living for your family while your house increases in value. "Choose an improvement that makes sense for you and your family and one that you can afford," says Maxine Sweet, vice president of public education for Experian, a global information solutions company.
To decide if a home remodeling project is right for you, make a list of features that you would like in the room to be renovated, taking into account how you and your family use the space. Consider traffic patterns, lighting and special features you'd like, such as a wet bar or walk-in shower.
Next, figure out how much you can spend on the project. You might want to consider taking out a home equity loan to finance the remodel. Because the loan is secured by your home, it will likely have a lower annual percentage rate, and you may get some tax breaks, too. The amount you can borrow is limited by the equity you have in your home. Other factors that may influence the amount you can borrow include your credit history, income and current financial responsibilities. Also, be sure to have a plan for how you will repay the loan. You don't want to put your home at risk or add too much stress to the family budget.
To make sure your financing is ready when you are, visit a credit reporting company online such as www.experian.com to quickly and easily access your credit report. "If you notice anything questionable, such as accounts you don't recognize, or payment disputes, deal with those issues before applying for a home equity loan," says Sweet. "It can also be helpful to have your credit score which will tell you specifically the factors in your credit history that could be considered risky by lenders."
Finally, get bids from several contractors to see how your budget and the cost of your dream remodel compare. Ask friends, neighbors and co-workers for recommendations, or ask your lender if they're familiar with the contractors you're considering. Another great way to check out a company is SmartBusinessReports, also available through Experian. These business credit reports provide consumers with background information, comprehensive financial information and credit risk facts about the business they are considering using in an easy-to-read, online format.
As with any big project, you'll need to be flexible and not let the inevitable glitches get in the way of the big picture - when you're done, you'll have a beautiful new space for you and your family to enjoy for years to come. (ARA)
If you would like input from a real estate professional as to whether or not your home improvement project will add resale value to your home or if you are over-improving for the neighborhood, just give me a call at 732-548-5555 #314. I am glad to help.
Thursday, April 20, 2006
Selling a home is like climbing Mount Everest – getting a signed contract is a great accomplishment, but that's only half the journey. The typical home sale today involves more than 20 steps after the initial contract is accepted to complete the transaction.
Much of what needs to be done before the closing is the responsibility of appraisers, loan processors, attorneys, and inspectors — my role, as your REALTOR®, is to coordinate those responsibilities, helping to ensure that others do their jobs promptly and correctly and that the closing isn't jeopardized.
Many steps between contract ratification and closing involve the cooperation of both buyer and seller, and it takes attentive REALTORS® on both sides of the transaction to troubleshoot and keep everyone on track.
When things go wrong, closing can easily fall behind. Here's how much time to expect on particular delays:
One-Week Delays
1. Buyer submits incorrect information to lender.
2. Source of downpayment changes.
3. Escrow fails to notify parties about missing documents.
4. Principals leave town without signing all necessary papers.
5. Unknown defects are discovered in the property.
6. Last-minute liens discovered.
7. Cloud on title.
8. Move-out date changes.
Two-Week Delays
1. Lender decides at the last minute it doesn't approve of the borrower or the property.
2. Lender raises interest rates.
3. Lender requires last minute reappraisal or repairs.
4. Appraisal too low.
I have extensive experience in handling problems that may arise during the time between contract and closing; I can anticipate difficulties and address them in time to ensure a smooth settlement for all involved.
To ensure a smooth settlement when buying or selling your home, give me a call, 732-548-555 #314. I'm here to help!
Thursday, April 13, 2006
Home sales should remain strong this year according to a report just released from the National Association of Realtors. The association expects sales to move up and down somewhat over for the rest of the year, but are predicting 2006 as being the third strongest year in history.
NAR President Thomas M. Stevens from Vienna, Va., said home prices are expected to cool, but not as much as in earlier projections. Click here to read the full report.
So if you were waiting for the real estate market to go bust before you buy, you probably shouldn't hesitate any longer. Visit my website, www.JackieSafran.com, or contact me by phone, 732-548-5555 #314 or e-mail. I will show you how you can take advantage of this strong market and low interest rates.
Saturday, April 08, 2006
Metuchen Charm. Wonderful home 4 Bedrooms, 2 Baths. Eat-In Kitchen with Butler's Pantry. Large Formal Dining Room. Welcoming Living Room with fireplace and French Doors. Original woodwork and stained glass windows. Expansive Master Bedroom. Sparkling hardwood floors. Full Basement and Detached Garage. Walk to Metuchen town center and direct train to Manhattan. Asking Price: $499,900
Park-like setting in Piscataway. Large Family Home in great location, just across the road from Lake Nelson. 4 Bedrooms, 1.5 Bathrooms. Large, sunny living room leading to dining room. Expansive Family Room. Garage. Private yard with deck. This is a lot of home for the money. Asking Price: $399,900
Classic North Edison Colonial. 4 Bedrooms, 2.5 Baths. Eat-In Kitchen. Family Room with brick fireplace and wet bar. Large rooms. Finished Basement. Central Air. 2 Car Garage. Private half-acre parklike lot, fully fenced with oversized deck and hot tub. Desirable Livingston Acres. High School: J.P. Stevens. Asking Price: $599,900.
For virtual tours of these homes, visit: www.JackieSafran.com – Featured Homes
And for more information on how I can help you purchase a home in Central New Jersey or for my interactive guide, What You Need to Know Before Buying A Home, visit my wehbsite, www.JackieSafran.com or give me a call, 732-548-5555 #314. I'm glad to help!
Thursday, April 06, 2006
The April 15 tax deadline is only a few days away and hopefully you are well on your way to completing your tax return and you won't be one of those people in line at the post office late at night on April 14!
If you purchased a home in 2005, you will need the HUD-1 Statement from the closing on your new home, when calculating your taxes. This is the document itemizing the monies at closing. Your accountant or tax advisor will be able to tell you which of your closing costs are tax deductible.
The mortgage interest that is reflected on the HUD-1 is not calculated in the interest reflected on your year end statement that you will receive from your mortgage company. So, be sure to add the interest in the HUD-1 to other interest paid for the year.
If I can help with any other questions concerning the purchase of your home last year or if you are considering buying a home this year, give me a call, 732-548-5555 #314. I'm glad to help. Or visit my website, www.JackieSafran.com. You will find a wealth of information there.
Thursday, March 30, 2006
A new website claims to give the numbers in Central Jersey and beyond.
Wherever you live in Central New Jersey from Edison, to Metuchen, to Piscataway, if you plan to buy or sell a home, one of the most important pieces of information you will need is the home's current value in reasonably accurate terms.
Well, Zillow.com is a new national website that purports to be able to tell you that so that you - uh - won't need a Realtor like me.
Well, I just read a good post on this by my friend Margaret Rome in Baltimore, Maryland and want to share it with you. It really says it all:
"In the last few days, a new Web site launched with great fanfare but spotty performance. When CNN included a story about it on their evening news, the site couldn't keep up with the hits.
Why all the fuss? Zillow promises to give homebuyers and sellers up to date and complete information about the value of their home and comparables in their area. Some have suggested this will make real estate agents obsolete because people will be able to price their own homes to be competitive.
The early returns are that the site's information is incomplete and sometimes wrong, which makes the suggested price ranges they give hard to justify. In some cases, the range is optimistically high, and for others, I've negotiated sales higher than their top amount.
The site depends on public records for its data. But public records will not show factors, like recent additions and improvements or the condition of the interior, that affect price. Public records can also be wrong; a friend of mine checked her house and said she wants that fireplace she's supposed to have, but will not give up the second bathroom they didn't count. If the information about a house is wrong, how valid is the price estimate? In time, the site will undoubtedly improve, but for now – caution.
There is no question about real estate agents becoming an endangered species because of this or any other site. Price is only one factor in buying or selling your home, and getting to the settlement table means avoiding traps and overcoming obstacles. A top agent will be experienced at:
• negotiating the terms of your contract,
• making sure only qualified buyers troop through your home,
• meeting and dealing with appraisers, and
• working with home inspectors and title companies to be sure you are protected from start to finish.
Buying or selling a home is an emotionally-charged transaction. Now more than ever it pays to have an experienced professional on your side. Embrace the benefits of new technology, but don't fall into the trap of believing it will replace market knowledge and personal service.
The end of real estate agents? Not any time soon. Margaret"
Visit Margaret Rome's Blog here.
I am glad to provide you with a complete, accurate home evaluation. Give me a call or send me an email. I'm at your service!


text:
Thee Original Orlando Gentlemen's Club
Thee Original Dollhouse is an Orlando Gentlemen's Club. Not just another Orlando Stripclub, we're a legend. The first true Gentlemen's Club around, Thee Original Dollhouse lives up to its famous reputation with the most beautiful female entertainers, classy setting and attentive hospitality.
Visit us at Thee Original Dollhouse. The Legend Lives On...
We're Ready For You!
We are closed on Memorial Day, 5/28.
Open 12PM – 2AM Every Day
(407) 858-1319 (Club)
(407) 420-7072 (Reservations)


text:
April 9, 2014
Wordless Wednesday: One, Two, Three.
9 comments:
We love your post today and Mum is laughing at the pictures 1, 2 and 3.ReplyDelete
Luv Hannah and Lucy xx xx
You all look so comfy and cozy :)ReplyDelete
Ahh we love these pictures so much! How cute! Very cool cat tree too!ReplyDelete
A stack of cats! Pawsome!ReplyDelete
I love your cat tree, with cats in stack ! Purrs, ZorroReplyDelete
You are just too cute, gang. We love today's cozy, comfy counting lesson! :)ReplyDelete
Big hugs to you all!
great photos!! You have a great day too!ReplyDelete
What a great spot to hang out. Can we make it Four, Five and Six??? :)ReplyDelete
- AnonymousApril 10, 2014 at 8:48 PM
It's a kitty triple decker!
Lily, WA, US
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text:
Sandalwood & Strip
- Availability:
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Free Shipping & Tax included
Case Diameter : 45mm (1.75 inch)
Band Length (max.) : 210mm (8.25 inch)
Band Width: 22mm (0.85 inch)
Handmade from 100% natural Sandal wood. The lightweight Sandal wood offers a comfortable fit that is durable and sturdy at the same time! This watch is very stylish and natural. Suitable to match nearly all styles and taste.
• Watch made from Real Sandal Wood
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All orders are processed and shipped within 48 hours (except weekends). The parcels are sent by air mail, and each postal item has a unique code for tracking the parcel's current location.
- For The Netherlands, Spain, the delivery period is up to 12-15 days.
- For United Kingdom, Canada, United States it takes 14-19 days.
- For Australia, Sweden, Denmark, Finland, Norway, Austria, Czech Republic, Poland, France and other European countries, it takes 15-21 days to get the parcel.
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At woodiwatches.com, your complete satisfaction is important to us. If for any reason you are not 100% satisfied with your purchase simply create an RMA & send your item back to woodiwatches in its new, unused condition, with original packaging and we will be happy to provide you with either a full refund of the purchase price or a store credit toward an exchange (excluding shipping & handling charges). Some conditions may apply.
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text:
Here, have it.
View Single Post
03 June 2006, 20:33
Registered User
Join Date: Nov 2001
Location: Nottingham, UK
Age: 42
Posts: 8,629
This game was cancelled 6 years ago and has been given to us from someone who worked for psygnosis and has a beta release!
The game wasn't even finished, and as it is so old it'd be considered abandonware now.
Feel free to check out the zone.. this is where we post software people request. IT IS ALL DONE FOR FREE and not PROFIT
The thread of yours I closed was done because you wanted to PAY someone to send you disks of cracked games (not for copyright reasons).. Thus the person sending you the disks would make money from someone elses work.
If you have any other issues with this please PM or email me and keep it out of threads. Alternatively feel free to also PM either Woody, Retroman or RCK (Who owns abime.net).
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