Russel's Blog

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This stumped me

I wasted so much time sitting here trying to stump this thing but I had to quit before I went mad. Try it. But it's addictive. Be forewarned.

Via Laura Jefferson (Acquire Real Estate):

To my gifted friends on Active Rain. This stumped me.
At first I thought it was another math thing.
I did this several times using different numbers in odds and evens.
If you can figure out how she does it please let me know.
I never even touched the cursor on my chosen number.
Once I did not even follow the directions,
I just looked at the number and she still got it!

This will drive you crazy!
Click on the link below:  
http://www.regiftable.com/regiftingrobinpopup.html

how in the heck is this doing that?

Laura Jefferson

The Home Affordable Modifcation Program

I have heard of people having success with their home loan modification goals, but this is the first I've seen one in writing and on ActiveRain. I suspect it's not because there isn't anyone having success out there but because financial matters still are quite private.

Via Gina Hendrix (Real Estate Broker):

I recently received a call from a lifelong friend regarding financial trouble they were experiencing. Both of the bread winners had lost their 6 figure a year incomes, and after eating through their savings, ended up taking on retail employment at less than 1/3 of what they were making previously in an attempt to keep their electricity and insurance paid.   When they married 5 years ago they refinanced their primary home into an adjustable mortgage with a three year plan to pay it off.  Time  moved on and the plan never came to fruition. The first month the interest rate adjusted up, happened to be their first month un- employed. Things eventually started to fall in on them, and they fell behind.  It was last Dec that I got the phone call, and felt helpless to lend a hand. My friend expressed that their mortgage company had made them the offer to spread the payments they were behind over an 8 month period in order to help them catch up. The problem was, they couldn't make the current obligation with the interest rate adjusting up, much less add back payments spread out.  I took some time out to research some info for her, and found that there are different programs currently offered for different situations.  There is a program for homes which are upside down in equity, and specifically for their situation, a program referred to as "The Home Affordable Modification"   Details can be found at

http://www.treas.gov/press/releases/reports/modification_program_guidelines.pdf  http://www.makinghomeaffordable.gov/http://www.makinghomeaffordable.gov/

My friend has a success story, and was able to apply for the modification herself dealing directly with her bank and asking for what she wanted.  They had their interest rate reduced to 3% for 60 months and there after it will adjust to a fixed 6%. Her mortgage company also restructured their loan to include taxes and insurance. I feel everyone who may be in danger of losing their home should know about these programs.  I also feel compelled to share that paying for a service to work the modification is wrong. There are non profit groups out there who will help walk individuals through the process for a donation. Honestly, anyone who may find themselves in this situation should contact their bank, and try to work directly with them after educating themselves on the programs available.

 

 

Should I Stage My Home Before Selling? Only If You Want More Money & A Quicker Sale

Although Geri's post here is about staging a home and the benefits of staging, those benefits in my view are threefold:

  1. Staging helps the home sell faster and for more money, which Geri noted.
  2. Staging means that the home gets cleaned up, which actually makes areas visible to the Sellers that they might not have seen in years, and it's amazing what kind of damage one finds when one cleans up the home, damage that can be repaired before the home inspector ever gets there.
  3. Staging means that more areas are visible and accessible to the home inspector, making his job easier and usually meaning that the inspection report is shorter and cleaner, leaving fewer questions for the buyers because the home insepctor doesn't have to say "no access to closet interiors," "family room not fully visible," or "walls in bedroom three covered with posters which could conceal damage."

So when it comest to staging, I have three things to say:

  1. Staging rocks!
  2. Staging rolls!
  3. Staging rules!

Hmmmm. Just like ActiveRain!

Via Geri Sonkin (RE/MAX Hearthstone):

Though staging is no longer an alien term on Long Island, it is far from de rigueur in this part of the world when placing a home on the market.  Well I'm here to say it should be.  Just like placing a sign on the lawn or writing a description that is geared to entice buyers to at least take a look, the package we present to the world should be polished, attractive and stand out from its competition. 

What people fail to realize is, the clutter they've grown accustomed to can be an instant deterrent to a prospective buyer for whom this property might be otherwise perfect.  They can't see past your stuff to the wonderful space it hides.  Rooms with questionable identity are another problem.  A space currently functioning as the junk room or the kids playroom, but originally designed to be a living room/family room or bedroom confuses buyers, leaving them with a negative impression as they walk back out the door.  What many homeowners don't understand is, the way we live in our home is not necessarily the way we dress it to sell.  If they were going on an interview, they would wear the appropriate garb to try to get the job.  Once your home hits the market it is being evaluated by everyone who steps through the door or sees it on the Internet.  Its merits are being weighed against all the other similar properties in the area.  Making yours a standout insures a quicker sale, at a better price than competing homes.  It's that simple.  First impressions, though seconds in the making, have a long lasting impact.

Staged to sell

One of the impediments faced by many Realtors® is a homeowner's inability to see the value in spending a little money up front to bring a mighty return in the end.  An investment of one or two thousand dollars can bring a return of ten times that in a selling price, and can substantially cut down the time the home remains on the market.  Always an important consideration, it is especially so in slower or down markets as experienced in so much of the country right now.

Working around old furniture

A recently staged home of mine, with a savvy homeowner who recognized the value of his investment, brought multiple offers in a very short period of time, with the numbers coming in higher than any of us imagined.  There is no other way to say it, STAGING WORKS!

Staged, working around existing furniture

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About the author:

Geri Sonkin is a Licensed Broker Associate serving Long Island sellers and buyers for over 22 years.  Areas of expertise include Nassau County, Suffolk County, Queens and Brooklyn.  Specializing in resales, new construction, co-ops/condos, waterfront homes, estates, short sales.  For more information: www.LongIslandsBestHomes.com  For new construction:  http://175Sherman.GreatCustomHome.com or http://2274Woodbine.GreatCustomHome.com   516-425-6098  

All text and graphics contained herein Copyright © 2009 Geri Sonkin & its licensors. All rights reserved.

Staging The Litter Box & Other Kitty Tips When Selling

I saw this post in a re-blogging and though it was the most thoughtful and compassionate post about selling a home when there is a cat or two involved. Hope everyone else finds it useful, too.

Via Teresa Meyer-Home Staging Cincinnati-OH. Stage a Star: Home Stager Cincinnati (Stage a Star Staging & Consulting Services):


Selling your house can be challenging when you have pets and I'm going to focus today on your CAT. Your furry friend and family member. I've got three myself so I understand and can empathize with my selling clients when it comes to this subject.  I got plenty of inspiration to share some kitty tips when selling from my own experience over the weekend. I decided to move my cat's litter box from the basement to our first floor mudroom.   See, my cats are senior citizens now and since I'm not planning to move into a ranch style home with no stairs for THEIR sake, I had to make some adjustments for them.    

The dreaded 'litter box" can pose some challenges when you put your house up for sale.  I've seen litter boxes in just about every room now in working with sellers over a number of years.  I still remember when we were looking for a house to buy, we toured two houses with cats.  The one house had about 7 litter boxes throughout the house including bedrooms.  Hmmmm....do you think they had a problem?      The other house had only one litter box and it was located in their family room right by the sofa.  It reeked. Needless to say, we didn't buy either of those houses.    Downplaying the presence as well as the location of the litter box really is critical when selling.  

Location...Location...Location


I've found the best locations for a litter box is out of the way places like the basement and laundry/mudroom.  I've seen them in bathrooms too but I've found that buyers really want to see the bathroom and not get distracted by a litter box.    One way to help my kitties better transition when I moved their box was to put their food in close range of it.  This worked perfectly.


What's That Smell?
If you have cats then you know that if you don't keep their throne pristine, it's going to smell.  When selling, this is a no brainer.  You may have to scoop 3-4 times a day but this is a MUST.   Do you have a COVER for your box?   If you do, great!  Now make sure you turn the box to make sure the hole is facing a wall.    If you don't have a "cover", think about getting one.   If the box has to be present during showings, at least the box is covered up and the hole is against the wall.   Buyers really do not want to see inside of the box even if it is pristine.  They just don't.  
I also recommend buying those "stick ups" they sell in the pet aisle or pet stores that help neutralize odor.  Stick that baby on the side of the covered litter box. They really do work.    And a quick spritz of Febreeze in the area before a showing is a good idea too.  Remember I said "quick spritz"........NOT half the bottle.  


Take It Outside
The BEST solution I give my clients is to place the litter box in the garage during a showing if at all possible.   I know this doesn't work for some kitties that can't be trusted but I've found that it works for the majority.  My own cats freak and run under a bed and hide when visitors come to our house so having a missing litter box for an hour is not a problem.


Creative Solutions
I came across an amazing idea on a forum while doing some research for this article.  Someone was building a house and decided to incorporate the litter box into their laundry room cabinetry so it was out of the way and they could keep the room....ummm.....more "visually appealing" you might say.     I jumped all over this idea and told my husband to break out the power tools and cut a side door into our sink cabinet that is in our mud room.   The cats go through the door and all I have to do is open up the front doors to scoop and be done.
It's hidden and better than a covered litter box.


Talk About "Staging" Your Litter Box

Who knew there were such a wide variety of creative litter box options out there?  (I'd just suggest turning that hole around to face the wall.)




What about these cool styles?






Okay...if you were freaking out like I was when I first saw this, you can relax when I tell you that I think they are trying to show another option here.  I don't think most people would actually put a litter box beside their bed (but you never know!).  A cozy hideaway bed for your cat is another way to use this piece of furniture.  Feel better?  I know I did.



For the modern cat:



Entry Table AND Litter box in one...Who Knew?




Need a Litter box in the Office?  Just be careful that you get the right box when looking for that file....




I'm having too much fun with this...can you tell?




Here's some other Staging Tips For Kitty When Selling:

Princess Perspective:
This might be harsh, but when you are selling, kitty is NOT the princess (or prince) anymore.  The castle is for sale and things cannot stay the way they are. That means that the cat jungle/scratching post tower has to put away, the million mouse and feather toys must be rounded up and the sunning window perch for cats has to be disassembled and stored away.  Yes, I realize that it's your cat's favorite place but your potential buyers needs to see how pretty the window is, not looking at the pile of cat hair left on the cushion attached to the window.


Meow Mix Mayhem:
Did you know that kitty's dishes shouldn't be out during a showing?  It's so much a part of our everyday lives that we don't think about it, right?  But when selling, they need to be gone.  This also goes for those cool plug in water fountains.  The cat may love them but with their messy cord and location near a plug (which is usually in the kitchen) it's not a great thing to keep around when you're trying to impress buyers.    

Not Everyone Loves Your Cat



I know, it's your baby.  I understand.  I have three furry children myself and I love them dearly.  Not everyone is a cat person.  Or likes pets at all.  Many are allergic to cats as well. When you are selling, it is really important to see it from the perspective buyer's point of view.

Fur Ball Fiasco:
If you've got a cat, you've definitely
got this: Cat Hair.   Getting rid of as much cat hair as possible and staying on top of it by cleaning frequently is critical. Are you trying to use a lint brush to get rid of hair on the furniture or curtains?  Forget it.  The best thing to use is a rubber glove.  A damp cloth works really well too.  The Swiffer is another great product to use on the floors.   I'm constantly amazed at all the invisible hair you can't see until you look at the bottom of the swiffer pad when you're done.  Whoa.

Stay Or Go?



Have you been waiting for me to answer the obvious question: What the heck should I do with my cat during a showing?  Don't worry, your cat will probably be fine staying at home. More than likely the cat will either go hide (like mine) or lay on a bed and look slightly annoyed at the interruption from strangers.  If your cat is never to be outside, you may want to consider putting him in a cat carrier or taking him with you.  Better safe than sorry.  



Even though your pet is a huge part of your family, downplaying their presence while selling your house is a smart move. Remember it's all about the house and getting it sold.  Follow these tips and ideas I've shared with you today so that it can help you better deal with your kitty when selling so that it doesn't cost you a sale.  


Happy Staging!







Travel and Tourism -- a "New" Link at the U.S. Government Bookstore

For all the ActiveRain Book Club members and book readers everywhere. Texters and Twitterers go home. Thanks, Carla!

Via Carla Muss-Jacobs, ABR, CEBA, e-PRO, Realtor (Broker/Owner EBA Portland, LLC):

If you're not familiar with the U.S. Government Bookstore, get yourself acquainted!  It's a great place to browse, find books that you might not find at Borders, and shop.

The website is very manageable and user friendly.  Personally, I don't care for too much clutter -- and yes, websites can have too much going on.  

Recently, the U.S. Government Bookstore has added a new link, "Travel and Tourism" and it's a wonderful time of the year to think about vacations, travel and being a tourist!

Grand Teton National Parks, Devils Tower, Craters on the Moon, the Everglades . . . whatever part of the Nation you hail, there's a travel guide waiting for you! 

There is a nice mix of national parks, and historical places.  Prices are reasonable too.  $.90 and up!

The Government Bookstore has topics on healthcare, travel/tourism, law enforcement, military history, etc.

Visit and see what book(s) you can discover . . . that you never knew existed! 

http://bookstore.gpo.gov/index.jsp

 

--------------------------------------------------------------

Representing Buyers Since 1999
Carla Muss-Jacobs, ABR, CEBA, e-PRO, Realtor(r)
Broker/Owner
EBAPortland, LLC
YOUR Exclusive Buyer's Agent www.EBAPortland.com

All rights reserved (c)

Neutralize the Competition!

Since I do a lot of pre-listing inspections, I thought I' bring this very useful post over here to my blog for readers in my service area. This is by Joanne O'Donnell, a professional stager in Oakland, California.

Via Joanne O'Donnell (Chic Home Interiors, LGLS CP Trainer (510-STAGING)):

Staging is not decorating or design; staging is a marketing tool for selling a house and, as such, should be a part of every realpaint roller and chips estate professional's toolkit.  As in all marketing we want to target our audience and appeal to the largest potential base of that buying demographic.   That is where a professional home stager comes in.   Today's professional stager continually educates themselves in what the market trends are and in-depth marketing knowhow.  A stager has to understand the psychology of the buyer and have an understanding of scale, design, and color.   Today's market requires a more sophisticated approach to preparing a home for market and so the staging industry is in even more demand.

Interior design caters to the individual client, their likes and dislikes, their life choices, their personal style.  Staging neutralizes the home and accentuates its selling features and flow while maximizing space. The goal is securing a more favorable offer, more quickly, from a buyer.  Price or location don't matter, all homes can benefit from professional staging.   Staging is about universal style, neutralizing and showcasing the space so a future owner can emotionally connect with the property. Style that is too personal or too specific to a particular homeowner or type of homeowner will greatly limit potential buyers.  When the home remains too personal, buyers often feel they are intruding.  Here are some practical tips for what to consider and how to make it happen. 

 Color:  Neutral colors are the first thing that comes to mind, but some go too far with "realtor beige" on allpaint Chips & Roller walls, etc...  This does not create that warm, fuzzy feeling in potential buyers that bring those offers rolling in.                                                   Paint choices should be Staging Safe® without being boring and uninviting.  Sophisticated taupes, rich tans, soft moss greens and warm creamy yellows can create a welcoming ambiance without making a design statement that will eliminated large portions of the target market.

Gender:  Another area where the principal of neutrality should be applied in staging is gender.  Homes and the rooms in them should not be so gender specific as to make half the population not comfortable in them.  As a professional stager I see this all the time.  Usually since the female tends to be the decorator in many traditional couples, the home has too much pink, lace and flowers on fabric... Décor should be androgynous - not too masculine nor too feminine.  So if you love pink, combine it with charcoal grey or black and confine it to bathrooms or children's rooms...  lace should be relegated to the baby or little girl's room... and replace flowered fabric with leaves, geometric or abstract patterns.  On the other hand, men need to repurpose their trophy rooms, take down the motorcycle and car calendars (you guys know what I'm talking about here...) from their garages, and turn that hanging-out-with-my-buddies-poker-palace back into the wholesome family room the builder intended and most buyers want...

  Religion: Religion is a very personal thing and therefore, by definition, it needs to remain out of a home that is on the market.  This is a touchy subject with clients that needs to be handled with kid gloves.  I think it is hardest to broach this subject with homeowners with whom we do not share a belief system, we don't want to offend.  As the professional, you have to take your own beliefs and feelings out of the discussion, even out of your thoughts as you have the discussion with your sellers.  Remember, it is about selling the home and the décor needs to be something of a blank slate on which the buyer can superimpose their own life.

 Culture and Ethnicity:  In our diverse multicultural, multiethnic society we have the advantage of experiencing foods, ideas, culture and styles from around the world.  Many of the styles have been incorporated into high fashion and everyday design and add richness to home style.  So, when a home has these elements, they don't all have to be eliminated, just used sparingly so that the end product doesn't feel specific to any ethnicity or culture.  The result can be an interesting, eclectic melting pot of style.

  PoliticsPolitics:  The thing that really brought this home for me was viewing a property that proudly projected a staunch belief in politics that were antithetical to my own.  I wasn't offended or uncomfortable but I found myself thinking about the people and their beliefs instead of the features of the house.  I wondered if the rest of the neighborhood was primarily of the political persuasion of the homeowners, whether I would not fit in here.  This is not where you want potential buyers' minds going.

 Generation:  I have had clients who wanted me to stage a Victorian in Victorian furniture.  While this is somewhat of the ultimate extreme, many homes have furnishings that are either extremely modern or extremely traditional, and not always to match the architecture.  Always remember we need to stage to the targeted buyer, while remembering that style spans generational groups, cultures, geography, etc.  Just because someone is over 50, doesn't mean they want heavy, ornate furniture anymore than those under thirty all want glass and chrome.  So, the rule of thumb is to bring it to the middle with contemporary style that with a few accessory changes could satisfy the modern as well as the classic.  There are places where we move more in one direction than the other - an urban loft, for instance - but, in general, move these styles toward the center.

 Collections:  Last but not least, the age-old problem of collections - the bane of the stagers' existence.  People love their collections, they are proud of them; they are status symbols to them; they want to display them and are emotionally attached to them.   The classic example is the doll collection that covers every surface in the formal living room.  This particular type of collection also holds a place in the gender specific category hall of fame...  Regardless of what the collection is, even if it is the most valuable, beautiful collection imaginable, it will take the potential buyers' attention from the selling features of the home.  Combine that with the potential for theft and breakage and you should have your sellers getting out the bubble wrap in no time flat.

Joanne O'Donnell has been professionally staging quality homes in the San Francisco Bay Area since early 2002 and her staging work was prominently featured in "Home Staging for Dummies" in 2008.  Joanne does training and consulting in home staging, design and green business practices throughout North America.   She will be speaking on "Maximizing Results through Home Staging" at the 2009 Texas Association of Realtors Convention in September.  For home staging, training and consulting services contact her at joanne@chichomeinteriors.com.