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Aug 13, 2018
You may never again encounter a project that involves as many details as your wedding. Attendants, family, guests, vendors – there are layers upon layers of people needing direction and answers, not to mention all of the decisions you have to make! If you feel like the process is simply too much for a Bridechilla to handle, you should seriously consider listening to this episode of the Bridechilla Podcast and booking an all-inclusive wedding package. I am joined by Paulette Alkire, a fabulous Wedding Planner at Chalet View Lodge.
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Women's History Month - Musical CelebrationName: Women's History Month - Musical CelebrationDate: March 9, 2019Time: 12:00 PM - 1:00 PM PSTWebsite: http://solanolibrary.com/Event Description:Join us as the Solano County Library celebrates Women's History Month with a musical presentation. The Shake It Booty Band is a group of Bay Area women musicians. Enjoy an entertaining, rollickin', funky, disco-down dirty dance band. Saturday, March 9, 12:00 p.m. at the JFK Library. Stop by the library to get your free tickets
Upcoming Events

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text: Quick view Hudson Hoodie The Hudson Hoodie is packed with tons of fun options to mix and match for anytime of year. Dig out the scrap bin and create a one of a kind outfit for your kiddo! The Hudson Hoodie pattern includes: View A: Basic pullover/tee with optional... $7.95 Add to Cart Quick view Duck Duck Goose Sew a full wardrobe for baby all with one pattern! The Duck Duck goose is packed with so many options you'll have a hard time deciding where to start! Pattern Includes: View A: Bodysuit View B: Tee/Pullover View C: Bodysuit & Tee/Pullover... $7.95 Add to Cart Quick view Freestyle Pullover The Freestyle Pullover is the perfect pattern to use up all of your favorite scraps and make a one-of-a-kind pullover! The Freestyle Pullover pattern includes: View A: Pullover with solid body and sleeves View B: Pullover or Bubble Tunic with... $7.95 Add to Cart Quick view Agility Leggings Get ready to run, jump and play with the Agility Leggings sewing pattern! This quick and easy sew is packed with options so you can sew leggings for any season and any occasion. The Agility Leggings pattern includes: View A: basic... $7.95 Add to Cart Quick view Juliet Dress & Top The Juliet Dress and Top is packed full of adorable options to add some extra sweetness to every little girl's wardrobe. The Juliet includes the following options: Open Back with Heart or Bow cutout Full Coverage Back with Star, Heart, Bow or... $7.95 Add to Cart Quick view Sophie Swing Dress & Tunic The Sophie Swing Dress & Tunic is comfy to wear and quick and easy to sew! With a variety of options for any season you can sew up a stack for every day of the week. The Sophie includes the following options: Dress and Tunic length Short,... $7.95 Add to Cart Quick view Ruby Party Dress The Ruby Party Dress Sewing Pattern is the perfect choice for any special occasion! 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text: Body Fat Percentage Health Plus September 27, 2011 Posted in Health Plus, Living Healthy, Feeling Good, Resource Articles Why do I need to know my body fat percentage? Because weight alone does not predict the level of body fat we have in our bodies. Knowing what your body fat percentage is and knowing whether you are in the recommended range for your age and gender can help you make lifestyle choices to be as healthy as possible. The National Institutes of Health has stated that a high percentage of body fat can put one at risk for hypertension, high cholesterol, diabetes, and heart disease. Eat Move Feel, Risk Reduction, VU, VUMC, Weight Management


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Porto Village - All Inclusive features 2 outdoor swimming pools. The property offers a snack bar/deli. A poolside bar is on site where guests can unwind with a drink. Wireless Internet access is complimentary.
This all-inclusive property also offers tour/ticket assistance, a garden, and coffee/tea in a common area. Complimentary self parking is available on site.
Porto Village - All Inclusive has designated areas for smoking.
Situated by the sea, this all-inclusive property is 0.1 mi (0.1 km) from Mediterranean Sea and 1.3 mi (2.1 km) from Star Beach Water Park. Aquaworld Aquarium and Sarakino are also within 10 minutes.
This property features 2 outdoor pools, a poolside bar, and a snack bar/deli. Free WiFi in public areas and free self parking are also provided. Additionally, coffee/tea in a common area, dry cleaning, and tour/ticket assistance are onsite.
All 91 rooms provide conveniences like refrigerators and electric kettles, plus furnished balconies or patios and TVs with satellite channels.Information missing or incorrect? Tell us! Opens in a new window
This property is all-inclusive. Onsite food and beverages are included in the room price (some restrictions may apply).
Not included
Porto Village - All Inclusive is an all-inclusive property. Room rates include meals and beverages at onsite restaurants and bars. Other items and amenities, including taxes and gratuities, and access to recreational activities and entertainment may also be included. Additional charges may apply for meals at some restaurants, special dinners and dishes, certain beverages, and other amenities.
Porto Village - All Inclusive features 2 outdoor swimming pools. The property offers a snack bar/deli. A poolside bar is on site where guests can unwind with a drink. Wireless Internet access is complimentary.
This all-inclusive property also offers tour/ticket assistance, a garden, and coffee/tea in a common area. Complimentary self parking is available on site.
Porto Village - All Inclusive has designated areas for smoking.
Available in some public areas: Free WiFi
Free self parking
Porto Village - All Inclusive offers 91 accommodations with air conditioning. Rooms open to furnished balconies or patios. Satellite television is provided. Bathrooms include bathtubs or showers. Irons/ironing boards and hair dryers can be requested. Housekeeping is provided on a limited basis.
Elia - This buffet restaurant specializes in Mediterranean cuisine and serves lunch and dinner. A children's menu is available.
2 outdoor swimming pools are on site.
The recreational activities listed below are available either on site or nearby; fees may apply.
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
Check-in time starts at 2 PM
Check-in time ends at midnight
Minimum check-in age is 18
Check-out time is noon
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card, debit card, or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed. Please note that cultural norms and guest policies may differ by country and by property. The policies listed are provided by the property.
Charges for extra guests may apply and vary according to property policy.
A cash deposit, credit card, or debit card for incidental charges and government-issued photo identification are required upon check-in.
Special requests are subject to availability at the time of check-in. Special requests can't be guaranteed and may incur additional charges.
No rollaway/extra beds available
Property Registry Number - 1039K123K2626901
No elevators
Pets allowed (no fees)
You'll be asked to pay the following charges at the property:
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
Cash transactions at this property cannot exceed EUR 500, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Guests can arrange to bring pets by contacting the property directly, using the contact information on the booking confirmation.


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Nancy Chambers
MIC, Level 5 Open, BASI
Career Highlights
I've always really enjoyed the journey that has led me to gain some of the qualifications that I hold, each one has pushed me in different directions and challenged me at different points. The journey does not stop on gaining them, I now really enjoy helping others challenge and develop on their travels towards their own goals. I have particularly enjoyed helping develop the IML and canoe courses.
Favourite Destination
You can't beat the mountains, rivers and coastlines around Scotland, we have a wonderful diversity of places to visit, various weather patterns to enjoy and wildlife and plants to see. Abroad, Canada has to be top of my canoeing list alongside many Scandinavian countries. In the mountains I have enjoyed climbing, mountaineering and trekking in so many parts of the world that I would be hard pushed to place one above the other.
Favourite Piece of Kit
My canoes, I am very lucky in that I have a few: a We-no-nah prospector 16' for family adventures; a We-no-nah Wilderness for solo missions away from the family – it is so light I can chuck it round on my shoulders and it makes portaging a dream on my own; and my old faithful Mad River Intrigue which is a true workhorse and has battered down many more river systems than your average canoe.
3 Things I Always Pack
First Aid Kit, Group Shelter and Clothes to keep me warm and dry.
What Inspires You?
I love reading and hearing about other peoples' adventures, there are so many amazing stories to be listened to. For myself I enjoy maps and can spend hours pouring over them checking out a new route or looking for additional things to spot when I am out adventuring.
What's next on your bucket list?
For myself at the moment I have 2 young children and am enjoying introducing them to the outdoors, so much of my personal time is spent exploring Scotland with them and playing with all the toys that I use at work. I dream of getting away and doing many trips and have a number of canoe trips planned abroad that are just waiting for time and money.


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This property features a pool area, 350 square feet of meeting space, a multi-lingual staff and an exercise room. This property offers access for travelers with disabilities. An additional description has been posted by the hotel titled "Now Offering Airport Shuttle Services!." Based on your dates of travel, you can check room rates and availability online for the Holiday Inn Express Clovis - Fresno.
If you require five or more rooms, find group rates with HotelPlanner.com.
|650 West Shaw Avenue
Clovis, CA 93612 | vCard |
|Read More:
|"Now Offering Airport Shuttle Services!" posted 5/14/2010
|Part of Chain:
|Holiday Inn Express
|Meeting Space:
|1 room. 350 sq. ft. total.
|Check In Time:
|3:00 pm
|Check Out Time:
|11:00 am
|Nearest Airport:
|Fresno Yosemite International (FAT)
|In Rooms:
|Air-Conditioned. Complimentary Newspaper. Cable TV. Movies. Coffee Maker. Hair Dryer. Iron & Ironing Board. Data Line.
|Special Amenities:
|Business Center. Complimentary Breakfast. Fitness Center. Pool, Outdoor. Whirlpool/Hot Tub.
|Other Info:
|Multi-lingual Staff. Non-Smoking Rooms.
|Language(s) Spoken:
|English. Spanish.
|Area Dining:
|Strawberry Cafe
Jack in the Box
Sweet River Grill & Bar
|Area Hotels:
|(Profiles of 6 additional hotel options in the area of the Holiday Inn Express Clovis - Fresno)
Best Western Clovis Cole
Comfort Suites Clovis
Fairfield Inn and Suites by Marriott
Americas Best Value Inn and Suites
Americas Best Value Inn and Suites Clovis Fresno
Fairfield Inn and Suites Fresno Clovis
|Credit Cards:
For additional hotel rates and availability, click here.
|Are you staging or managing an event at the Holiday Inn Express Clovis - Fresno? To post your event(s) online, please click here.
|Navigation Links:
*Because rates may vary outside of the range, please confirm applicable rates online or via telephone.
© 1996-2019, MetroGuide.com All Rights Reserved.
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To List Your Hotel with the Fresno HotelGuide Service: Click Here.
To Contact HotelGuide: Click Here.
HotelGuide and HotelGuide Clovis are service marks of MetroGuide.com, Inc. HotelGuide Network is a registered service mark of MetroGuide.com, Inc. All other trademarks are the property of their respective owners. MetroGuide.com, Inc. does not own or operate hotel properties.


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Click Here To Download "Live in Concert with the NZSO" Now!
Built on the shoulders of classic 60s psychedelic rock, lyrical folk and contemporary New Zealand blues music. Wellington quartet 'Little Bushman' exemplify unpredictable, musically sincere sonic explorations.
Serving it like a slow acting shot of adrenaline, through live performance and recorded output, their presence has been felt both at home and abroad. Filtering the real, the unreal and things worth standing up for into song, this is music optimistically dreaming of a better tomorrow, re-imagined one note at a time.
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These healthy habits have all improved my health and my life dramatically. It can take time to develop new healthy habits, but the more we do them, the better we feel. Here are 9 healthy habits to change your life.
You know what are powerful? Habits. The things we do regularly, often without even realizing it. It's not always an easy feat to develop new and good habits… but the more we do something, the more it's engraved in us. That's what makes 'em so powerful and why implementing healthy ones can change our lives so much.
I few months ago I shared a video on 6 habits that changed my life, but today I want to share some healthy habits — habits that have improved my health and that make me feel my best on a regular basis. I'm confident these habits will help you feel your best, too.
Healthy Habits to Change Your Life
Make Food from Scratch
Make food from scratch as much as possible. Prioritizing homemade meals over packaged foods or eating out is the best way to know exactly what you're eating. You know the ingredients, you know the measurements, and you're in total control of what you put into your body.
I'm not saying to never eat out or buy items that come in a package (I certainly buy packaged foods, I'm just very conscious of what ingredients are in them!) it's about putting an emphasis on avoiding the over-processed stuff, and using real and fresh ingredients to create recipes from scratch as much as possible.
The best way to make homemade meals often? Being regularly stocked up. Having healthy ingredients on hand gives you a much better chance of cooking those ingredients. One of my favourite quotes is…
If you keep good food in your fridge, you'll eat good food.
Errick McAdams
Support Your Gut
Gut health is really important to me as you all know, and it's a priority for me to support it every single day. Whether you have digestive complaints or not, our gut is our terrain and one of the most important parts of our body.
Our gut is our terrain and one of the most important parts of our body.
There are many things we can do to support our gut: avoiding processed foods or irritants like alcohol or too much sugar, eating wholesome, probiotic-rich foods, and drinking lots of water. Another fantastic gut supportive food is collagen peptides. Collagen is excellent for the integrity of our gut lining, rich in protein, and great for our joints and skin. It's also tasteless and dissolves easily in any liquid.
My favourite way to use it is in my Strawberry Gut Healing Smoothie:
- 1 cup frozen strawberries
- 3/4 cup water
- 2 tbsp hemp seeds
- 1/2 – 1 scoop collagen peptides
- Blend until smooth and creamy!
Drink Lots of Fluids
I couldn't avoid mentioning this one! We all know how important it is to stay hydrated, and this is something I emphasize each and every day.
Starting your day with water is a fantastic way to re-hydrate your body when you wake up and even improve energy levels for the day ahead. But there are other ways to get more fluids through the day, and that is herbal tea! I love all kinds of teas like ginger, peppermint, fennel and chai. Not only do they count as part of your daily fluid intake, but many herbs contain a variety of medicinal properties, too.
Proper Sleep
I've been a night owl all my life and it's easy for me to stay up late (doing work or otherwise) but when I regularly go to bed at around 11pm, I wake up easier, I feel refreshed and way more energized, I have better mental clarity, and I also know that I'm giving my body the chance it needs at night to regenerate and empty my brains cache.
Our brains literally prune synaptic connections at night which is why we feel so refreshed when we get a good night's sleep!
Think Good Thoughts
While on the topic of our brain, I want to mention the power of thinking good thoughts. It's pretty obvious why we'd want to do this: to feel happier and better about ourselves and our lives. We believe what we continuously tell ourselves which is how you foster negative thought patterns or positive ones, and it's why it's so important to be mindful of the thoughts you're thinking.
The easiest way to practice implementing new positive thoughts is to replace negative ones with positive ones. Anytime you say something negative, try repeating the opposite.
Listening to Your Body
Paying regular attention to the signs and signals that your body tells you helps us better understand our bodies and what's influencing us to feel a certain way. Whether you're tired, your stomach is upset after eating a certain food, your skin breaking out, or you're feeling down (or great!) it's important to pay attention so we can make any necessary changes to feel our best. That may be doing a mental or emotional check-in, drinking water instead of pop when you're thirsty or saying no to something that doesn't feel right for you.
I make most of my decisions around food based on how my body feels and letting go of food labels is important because everyone is so different. Eliminating foods that don't work well with my digestion or adding back in foods that do is all part of listening to my body.
Of course, we can't always know the root of what's causing us to feel a certain way, so be sure to work with a professional or health practitioner to guide you.
Find Exercise You Enjoy
One of the reasons why working our or things like running on a treadmill has always been so hard for me in my life is because I don't enjoy those things! So I made it my mission to find something that I love doing so that I'm enjoying myself and also moving my body, and for me, that's ballet!
Find your "thing" that wont feel like working out. It'll help you look forward to getting in some exercise.
Be Present
It's easy to get distracted in this digital age (believe me, I can totally relate!) That's why it's so improtant to turn off your phone or notifications and be present with whatever is in front of you. Whether it's having a conversation, working on a hobby you love or going for a walk, it's important to resist the urge to be constantly plugged in, and instead, be present. This enriches the quality of our experiences with others, improves our focus and attention span and nourishes our wellbeing.
Create Your Own Motivation
The truth is that motivation is not always going to come naturally, and if we wait for to feel motivated or inspired, sometimes we'll never get stuff done. I developed this habit of pushing myself even if I'm feeling unmotivated about the task at hand. This could be doing the dishes, getting some exercise, or even working on something you're passionate about. There are always going to be times when we simply don't feel motivated or inspired, and pushing myself forces me to overcome what's setting me back, makes me realize it's not even that hard to begin with, and gives me momentum to continue once I've begun.
Watch the video:
What's one healthy habit that has improved your health or your life?
This post contains affiliate links. Learn more about them here.


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A Buffalo man already awaiting trial on his arrest in November for having a felony-level amount of cocaine was arrested again Tuesday and accused of having a quarter-pound of cocaine, the Erie County Sheriff's Office said Friday.
Ephriam Hunter, 38, was pulled over by deputies on a ramp from the Scajaquada Expressway to the Kensington Expressway. Deputies said they found cocaine and marijuana in his vehicle. Hunter remained in custody in Erie County Holding Center.


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Buying a New Home
It pays to pay, meaning that you are best served by paying a Realtor a fee-for-advise as a consultant. Most people don't do this.
Since Realtors work on a commission, many believe that paying them as consultants is unwarranted since, after all, they work for "free" until you buy something.
Keep this in mind, Realtors know where the best places to live and work are. Your job is to get educated first. Pay several different agents to show you on a map, the best places to live and explain to you why they are the best.
Next, find the must suitable properties within those locations. The location is the most important element!. A new home in a close-in location is ideal but often difficult to find since close-in locations are typically built-out.
Buy an older home and hire a contractor to renovate it with new electrical, plumbing, etc. This "new" home in it's close-in location will reduce your drive-time to work and likely be much easier to re-sell.
Renting for a year could be a wise choice since it would allow you to take-your-time in making a well thought-out decision.
Dan Peele


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Summer is between April and June. June to September is the peak season for visiting. At this time of the year the weather is pleasant and you can enjoy a clear view of the beautiful peaks. Temperature ranges from 12 to 25degree Celsius. Hiking, biking and skiing is best around the month of September.
Winter is spread across the months of November to January and attracts a lot of tourists who love skiing.


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All About Buying a Home
This section of ERA ANSWERS® Online is made up of the most frequently asked questions about buying a home. If your questions don't seem to be answered here, you can find an agent using ERA Online's Contact ERA section.
What are the advantages of using a real estate agent to help me buy a home?
Buying a home is certainly one of the most rewarding experiences most of us ever have; it's also one of the most challenging. If you're buying for the first time, the process may seem overwhelming. And even if you've been through it several times, every move is different, and presents new challenges.
So one clear advantage of enlisting the help of an agent is simply that you don't have to "go it alone." A good agent has the training, the know-how, and the experience to help you through each step of the process, and make the process of finding, buying and moving into your new home as smooth, quick, and enjoyable as it can be. Another advantage is that an agent represents a valuable source of information about market trends, communities and neighborhoods, and especially, homes for sale throughout the area. Remember, not every home seller runs an ad in the local paper or puts a sign up in the yard. In fact, many of homes actually sell before there is ever a need to advertise them. An agent offers you market expertise augmented by access to complete, regularly updated information about every home listed by area agents through the Multiple Listing Service (MLS). As you'll see in the following several questions, professional expertise and services can be of considerable help throughout the buying process.
Where do I begin the process of looking for a home?
The first thing you should do is begin focusing on what you're looking for in a home. You can start by establishing priorities in the following three areas:
Location: Are you relocating to a new town because of a new job, or to be closer to your current job? How will the location of schools, shops, and transportation affect your choice of neighborhoods?
Personal tastes: How large a home do you need? What style of architecture to you prefer? On what kind of lot? Depending on where you live, you may have a choice of homes in dozens of styles, sizes, and settings.
Budget: How much home is it wise for you to own?
As you consider these areas, do a little research of your own. Look through magazines for ideas about home styles and features. Drive through neighborhoods that appeal to you to see what's available. Read the real estate listings in the newspaper to learn about current prices in the areas you're considering. Talk to friends about the features that you'd really like to have in your home. The more knowledgeable you become, the better your final decision is likely to be.
How do I find the right agent to work with?
The key word here is right. While there's certainly no shortage of qualified agents to choose from, it's important that you find one who can fully understand your wants, needs and individual tastes, and whose personal and professional judgment you respect.
Today's buyers also have more choices when it comes to choosing the agent that can best represent them in a real estate transaction. Until recent years, virtually all real estate agents involved in a given transaction worked for the seller. However, a growing number of today's home buyers are choosing to be represented by a "buyer's agent." In contrast to traditional agents, a buyer's agent represents the buyer in the real estate transaction.
Most real estate companies throughout the United States have both buyer and seller agency. You should be presented with a disclosure statement by an agent before any working relationship between the two of you is created. That statement should explain what a buyer's agent is and does, what a seller's agent is and does, and what dual agency means. It is very important to remember that real estate firms are governed by state laws that can vary, and so disclosure laws also may vary.
We suggest you talk to several different agents before choosing one. We've included a few guidelines about the kind of experience and service capabilities you should be looking for. Above all, look for someone who makes you feel comfortable.
How do I know for sure how much home I can afford?
We've found that affordability is probably the single biggest concern of today's first-time home buyers. Given the wide range of media coverage regularly devoted to the issue, it's not surprising that many young families wonder how long it will take them to afford their first home.
Our advice: Don't sell yourself short. Talk to your real estate agent. A good agent is committed to honestly and responsibly working with you to determine your affordable price range. There are many financing options available today, and some include low down payments. Your agent will help find an option that fits your budget, and you may be surprised at just how much home you can afford.
For tips on various mortgages and more, look in the FINANCING section of this book.
How does buying compare to renting?
Renting offers a lifestyle that's nearly maintenance-free. That may appeal to you, but consider that renting offers you no equity, no tax benefit, and most likely no protection against regular rent increases.
If your rent has averaged $700 a month for the last 10 years, you've spent $84,0000 with nothing to show for it. Isn't it time you invested in yourself instead of your landlord?
Several financing options hold special advantages for first-time buyers or families with limited cash reserves. FHA-insured and VA-guaranteed mortgages can minimize or even eliminate your down payment. You may also consider a lease-purchase agreement, or borrow cash for a down payment from life insurance, profit-sharing or retirement account.
In addition to tax deductions you'll likely receive that can partially offset the cost of real estate taxes, insurance and home maintenance, your home may appreciate in value. Say you purchase a home that costs $100,000. If property increases in value a meager 2% each year, your potential appreciation in just two years is nearly $4,200. And thanks to recent changes to the tax code, but subject to certain restrictions up to 250K/500K if married filing jointly, the profit you make when you sell the house is tax free as long as you own the property for a minimum of 24 months.
What should I think about when I'm deciding which community I want to live in?
Good city services, nice parks and playground facilities, convenient shopping and transportation, a track record of sound development and good planning — these are just a few considerations that are important to many people when they choose a community in which to live. At ERA.com, we visitors have access to Know The Neighborhood for ERA. Neighborhood information is only a click away from every listing on our site. You may also enter a location of your choice and get neighborhood information. But that's just the beginning. Complete Know The Neighborhood for ERA reports are available from ERA Member brokers across the country. Contact a local office for your FREE neighborhood report.
As for individual neighborhoods within a village or city, there is no better source of information than your real estate agent. Agents know the people and the communities they serve, and chances are they can help you find a neighborhood that really fits your family's needs.
Where can I get information about local schools?
Again, a good real estate agent is perhaps your best source. They know where the local schools are, and can provide you with valuable information about school districts, including test scores, extracurricular activities, bus service and more. If you're relocating, an agent may even be able to put you in touch with teachers and principals when you visit the area. And if you want to do a little searching on your own, the Internet may also be a good place to start. ERA.com has a special links to Neighborhood Information including information about area school districts.
How can I find out what homes are selling for in a given neighborhood?
In most areas, home sales are a matter of public record — you can get all the information you want about recent sales, including prices and listing times, by calling the county Recorder of deeds. You may also access general housing value information online at Know The Neighborhood for ERA.com. Complete reports and additional information are available at local ERA Offices.
An easier way is to ask your real estate agent. If you're interested in a particular home, an agent may be able to provide you with a list of comparables — sale prices of homes in your area that are roughly the same size and age as the home you're considering. Although there will certainly be some differences between the homes — the house next door may have an extra bedroom, or the one down the block may be older than the one you're looking at — it's a good way to evaluate the seller's asking price.
How can I find out what my property tax bill will be?
Usually, the total amount of the previous year's property taxes is included on the listing information sheet for the home you're interested in. If not, ask to see the seller's receipt.
Remember, tax rates change from year to year, so the previous year's bill should be considered simply as a "ballpark" figure of what you would pay. For a more precise projection, call the local assessor's office for assistance, or ask your real estate agent.
If I'm moving a considerable distance, is there any way I can screen homes before I start traveling?
Yes. Today's Multiple Listing Service — which include up to 90% or more of the homes listed in any given community — have made it relatively easy for buyers to access detailed information on homes for sale practically anywhere in the country.
ERA has taken the MLS concept into the next generation with ERA.com, our website that features more than 4546,000 domestic listings. It's a powerful way for buyers to find the perfect home. The site also includes ERA International listings, allowing interested buyers to expand their search to other countries without ever leaving their home.
Real estate listings and ads seem to have a language all their own. What do all those abbreviations mean?
Abbreviations are a necessity in real estate advertising because so much information must be communicated in so little space. Some common abbreviations and their meanings:
BA bath
blt built-in
BR bedroom
brk brick
bkporch back porch
bldrs redo builder's renovation
CAC central air conditioning
DR dining room
dk deck
FHA/VA qualifies for FHA/VA financing
fin ll finished lower level
fml formal
fpl fireplace
FR family room
FROG finished room over garage
FSBO for sale by owner
gmt kitchen gourmet kitchen
ingrd pool inground pool
LR living room
mstr master bedroom/suite
mtg mortgage
pvcy fence privacy fence
scc sys security system
scrnd porch screened porch
TH townhouse
txs taxes
wbfp wood burning fireplace
w/o walk-out
u/g sprk underground sprinkler system
yd yard
If you run across any other abbreviations or terms you don't understand, don't be embarrassed — after all, you don't buy a home every day. For quick help, check the glossary of real estate terms in the back of this book. Or simply contact a local ERA office — they'll be happy to "translate" for you.
When I start visiting homes, what should I be looking for the first time through?
The house you ultimately choose to call home will play a major role in your family's life. A home can be an excellent investment, of course, but more importantly, it should fit the way you really live, with spaces and features that appeal to everyone in the family.
As you look at each home, pay close attention to these important considerations:
Is there enough room for you now, and in the near future?
Is the home's floor plan right for your family?
Is there enough storage space?
Will you have to replace the appliances?
Is the yard the size that you want?
Are there enough bathrooms?
How much maintenance and/or decorating will you need to do right away? Later?
Will your present furniture work in this home?
How many bedrooms should I be considering?
Whether you are married or not, or have kids or not, spare bedrooms come in handy when family and friends come to stay. And when you're not having guests, extra rooms are useful as a library, den, or TV room.
Another good reason to choose a home with extra bedrooms: Extra space will make your home more appealing to a larger number of interested buyers when it comes time to sell.
Is an older home as good a value as a new home?
It's a matter of personal preference. Both new and older homes offer distinct advantage, depending upon your unique taste and lifestyle.
New homes generally have more space in the rooms where today's families do their living, like a family room or activity area. They're usually easier to maintain, too.
However, many homes built years ago offer more total space for the money, as well as larger yards. Taxes on some older homes may also be lower.
Some people are charmed by the elegance of an older home but shy away because they're concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. The ERA Home Protection Plan for ERA protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.
What do I need to bring along when I'm looking at homes?
Bring your own:
Notebook and pen for note-taking
Flashlight for seeing enclosed areas
Tape measure for checking room sizes, clearance, etc.
Be prepared to "snoop around" a little. After all, you want to know as much as possible about the home you buy. Sellers understand that because their home is on the market, it will be looked over pretty thoroughly.
If you need to go back to a home for another look, your agent will be happy to schedule an appointment. Also, be sure to ask any questions you have about the home, even if you feel you're being nosy. You have a right to know.
What should I ask about each home that I look at?
As a rule of thumb, ask any questions you have about specific rooms, features, or functions. Pay particular attention to areas that you feel could become "problem" areas — additions, defects, areas that have been repaired. And above all, if you don't feel your question has been answered, ask until you do understand and are satisfied.
In most cases, your real estate agent will be able to provide you with detailed information about each home you see. Or, use the following home features worksheet to note room sizes, features that need a second look, and other comments.
What should I tell the agent I'm working with about the homes I look at?
Tell the agent everything you liked and didn't like about each home you see. Don't be shy about talking about a home's shortcomings. Is the home too small for your needs? Let the agent know. Was the home perfect except for the carpeting? Let the agent know.
However, remember that the real estate agent is frequently paid by and working for the seller. The seller's agent is obligated to help secure the best price for the seller. In addition, agent's working for the seller may also report any confidences you share to the seller – including any willingness to pay a higher price should the seller not accept your initial offer(s). This is why you may want to be represented by a buyer's agent because he/she will keep your input confidential. A buyer's agent puts the interests of the buyer – not the seller – first.
How many homes should I look at before I buy?
There is no set number of homes you should look at before you decide to make an offer on one. That's why providing the agent with as many details as possible up front is so helpful. The perfect home may be waiting for you on your first visit. Even if it isn't, the house-hunting process will help you get a feeling for the homes in the community and narrow your choices to a few homes that are worth a second look.
If you're looking in more than one community, try to make the most of each house-hunting trip. Stop by the local chamber of commerce to pick up promotional literature about the community. Or ask the agent for welcome kits, maps, and information about schools, churches, and recreational facilities. Also, be sure to take along a camera and snap some pictures of all the homes you like. That will make it easier to remember and reach a decision.
How do I know I'm getting the best value for my money?
A professional appraisal is the best way to tell if a home is priced fairly. A real estate appraisal is an unbiased opinion of a property's value based on its style and appearance, construction quality, usefulness, and other factors, including the value of comparable properties nearby. When you apply for a mortgage, the lender will have a professional real estate appraiser perform an appraisal of the property.
I'd like to have a professional look at the home before I buy it. What does a home inspector do?
For your own safety, and to make sure you're getting your money's worth in the home you choose, using a professional home inspector is highly recommended. A home inspector will check a home's plumbing, heating and cooling, electrical systems, and look for structural problems, like a damp or leaky basement.
Usually, you call an inspector immediately after you've made an offer on a home. However, before you sign any written offer, make sure (or have your attorney make sure) that it includes an inspection clause or other language which says that your purchase obligation is contingent on the findings of a professional home inspector.
Your home cannot "pass" or "fail" an inspection, and your inspector will not tell you whether he or she thinks the home is worth the money you are offering. The inspector's job is to make you aware of repairs that are recommended or necessary. A seller may be willing to renegotiate a price to accommodate needed repairs, or you may decide that the home will take too much work and money. A professional inspection will help you make a clear-headed decision.
In choosing a home inspector, consider one that has been certified as a qualified and experienced member by a trade association. Your real estate agent may refer you to qualified inspectors in your area.
Should I be present during the inspection?
Yes. It's not required, but it is very much to your advantage. You'll be able to clearly understand the inspection report, and know exactly which areas need attention. Plus, you can get answers to many questions, tips for maintenance, and a lot of general information that will help you when you move into your new home. Most important, you'll see the home through the eyes of an objective third party.
Are there any other inspections I need to have done?
In addition to the overall inspection, you may wish to have separate tests conducted to check for termites, or the presence of radon gas. Talk to your real estate agent for information about these tests, and companies in the area that perform them.
Do I need to use a lawyer to buy a home?
Because the legal contracts and other paperwork involved in buying a home are complex, and can be confusing to the general public, many people prefer to work with an attorney.
Your attorney will review contracts, make you aware of special considerations and potential problems, and can accompany you to the closing, to help make everything go as smoothly as possible.
If you don't know a real estate attorney, ask your real estate agent for help. Agents work with many legal professionals every month, and can provide you with the names of several attorneys in the community.
Do I need to talk to my insurance agent?
Yes, and the sooner, the better. Most insurance professionals have a lot of experience in working with home owners, and can offer useful tips about home ownership, particularly regarding home safety and keeping your premiums low.
Once you've found a home, work together to develop a homeowner's policy that meets your individual insurance needs. You'll need to bring evidence of a fully-paid policy for your mortgage lender when you come to closing.
When I've found the home I like, how do I make an offer?
When you've found a special house you want to call home, you'll probably feel excited and a bit nervous. Let the agent know you're ready to write an "offer to purchase" — a written document that declares how much you will pay for the home provided that certain conditions are met. Because it's a legally binding contract that you will sign and date, it may be a good idea to have a lawyer review it before you sign, or within the grace period noted in the contract.
This is the time when it is most important for you to keep in mind that the agent is the agent of the seller (unless you are working with a "buyer's agent"). As the legal agent of the seller, the agent is obligated to help the seller get the best price and he will report to the seller any confidence you share.
It's best to make your offer without sharing with the agent your willingness to offer any higher price if the seller does not accept your offer.
Your offer should have a time limit for the sellers to accept, reject it, or make a counteroffer. If a counteroffer is made, you'll have some time to respond. Often, several offers go back and forth until an offer is accepted, or one party decides to end negotiations.
How do I determine the amount of my initial offer?
There is really no rule to use in calculating a realistic offer. Naturally, the buyer wants the best value and the seller want the best price, but negotiations can be influenced by many factors, such as a seller who may be changing jobs and wants to sell quickly, or a buyer who really wants a specific home.
After you've looked at the home's features, asked questions, checked comparables, and talked about it with your agent, you should have a good idea of what the home's value is in the current market. Consider what you can afford, and make an offer that you consider to be fair.
Most buyers and sellers negotiate on price, with both sides "giving" a little until both agree.
At that point, you typically will begin the process of arranging for an inspection and applying for a mortgage. See the FINANCING section for more information.
What's "earnest money" and how much do I need?
When you sign an offer to purchase, your agent will ask you for earnest money — that is, money that shows you are serious about wanting to buy. Usually, you will be asked to write a check for 1% to 10% of the sale price. This money will be held in a special escrow account. If your offer is accepted, your earnest money will be included as part of your down payment. If your offer is not accepted, you'll get back all your earnest money. But keep in mind that if you back out, you may forfeit the full amount.
Is there any way I can protect myself against emergency repair bills in my new home?
Yes. Home warranties offer you protection against many potentially costly problems not covered by your homeowner's insurance. They've become increasingly popular in recent years, and for good reason: the coverage can save you thousands in the event of a major mechanical breakdown, at a time when your cash reserves have been depleted by your down payment and moving expenses. For more about home warranties, see the Home Protection Plan for ERA.
There's so much to remember before I close. What do I have to do?
Your agent can help you with many of these items:
Are all the necessary inspections complete?
Are all the required repairs complete?
When will you conduct your final walk-through inspection?
Is your attorney satisfied that title to the property is clear (no one else has a claim on it)?
Have you confirmed a date, time, and place for your closing?
Who will conduct the closing?
Is your insurance policy paid and ready to go into effect the day you close? You'll need a receipt for proof.
What form of check should you use (and who should it be made out to) to pay for the closing costs?
Has your closing agent told you the closing amount?
Do you have receipts for the items you have already paid for, including your deposit and inspection fees?
Bring your checkbook to cover any last minute extras that might have been overlooked.
What should I look for on my final walk-through?
In most cases, you'll be given the opportunity to inspect the home immediately prior to closing. At this time, it's important to check on any work the seller agreed to have done in response to your initial inspection. You should also carefully check the condition of walls and ceilings from which window treatments, pictures, or any other attached furnishings have been removed. If you find any problems, don't hesitate to bring them up at the closing. It's the seller's responsibility to correct them.
What will happen on closing day?
The lender's agent will ask for your paid home insurance policy.
The agent will list the adjustments. These include the money you owe the seller (the remainder of the down payment, prepaid taxes) and what the seller owes you (unpaid taxes, prepaid rent).
You will sign the mortgage. This gives the lender legal rights to the property if you don't make your payments.
You will sign the mortgage note, the promise to repay the loan in regular monthly payments.
You will get title from the seller in the form of a signed deed.
The lender's agent will collect the closing costs from you and give you a settlement statement of all the items you have paid for.
The deed and mortgage will be recorded in the town or county Registry of Deeds.
Is there anything I should do immediately after closing?
The first thing you'll want to do is have the locks changed. Also, put your deed and other important paperwork from the closing in a secure place, preferably a safe deposit box. Even though it's all on file with the county, it's smart to know where your copies are and have access to them at all times.
Should I move myself or use a moving company?
In almost every case, you can save yourself time and energy by using a reputable moving company to help you move.
Ask your agent, friends, and coworkers for recommendations, then get estimates from several companies. Don't choose a mover based on price alone — consider the reputation and professionalism of the company, too.
Work closely with the moving company to coordinate your efforts and your move will be achieved with maximum efficiency.
Can an agent help with the move itself?
Yes. Most agent are more than willing to offer advice and assistance to new homeowners; all you have to do is ask.


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