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Choosing A Sales Representative To Meet Your Needs
Posted on Sat, 15 Apr 2017, 01:15:00 PM  in My services
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Are you thinking of buying or selling a house in Canada. It can be a tricky process to go through if you have to do it all on your own. That is why most professionals will recommend that you hire a Sales representative to meet your needs. There are plenty of them around, so do not feel bad about passing a few up if they just don’t feel right to you.

Here are a few things to keep in mind when choosing a sales representative to meet your needs:

 Choosing A Sales Representative To Meet Your Needs

You Have To Trust Them

If you are hiring a sales representative to buy or sell a house for you in today’s market, then it is imperative that you trust them completely. You are literally handing your rights to this person and asking them to make deals that will have a significant impact on you, your family, and anyone else that is involved. If you feel like they are not telling you the truth then you need to move on to an representative that you feel will be completely honest with you. If you feel like your representative just isn’t doing all that they can to help you, then you and your loved ones deserve to move on until you can find a representative that will do just that. You never have to settle for a representative that doesn’t meet your needs and that cannot be trusted. There are plenty out there that will listen to you and earn your trust in all of the ways that you need them to.


Don’t Be Afraid To Investigate

You have every right to ask your sales representative about their qualifications, certifications, licenses, and experiences. These professionals should be happy to tell you all about the wonderful things that they have accomplished for families just like yours. Do not be afraid to ask for proof as these representatives should be treating the first meeting or two like an interview. They should have resumes, profiles, and experiences all mapped out for you to view while you are getting to know them. You may also do a bit of research online to find out if they have a valid license that is currently in good standing. You have every right to find out who you will be handing your information to.


If You Are Selling, Ask For Their Opinions

If you are selling a house, then you will likely need their opinion on how to do certain things within the house. You are going to want to ask them such things as how much your house is worth, and what you can do to ensure that your house sells quickly. You are going to want to ask them what factors of your house diminish or take away from the price you would like to get for your home. You may even ask what about your house is unique and how to play up the features of your house that you would like to showcase.


Ask About Paperwork Upfront

You never want to find yourself in a situation where your sales representative is constantly giving you paperwork to sign that you had no idea existed. A crucial part to getting to know your representative is asking them about paperwork upfront. If these agents are willing to work with you, then they will not be afraid to let you know about all of the signatures that you’re going to have to provide during this process.

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Questions To Ask Your Real Estate Agent When Selling Your Home
Posted on Tue, 15 Nov 2016, 12:55:00 PM  in My services
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So you know you’re selling your home and you know you want it to sell. You want to give yourself the best chance to make a quick sale that is fair for everyone, and so you’ve decided that you want to hire a real estate agent. Great choice!Questions To Ask Your Real Estate Agent When Selling Your Home

Now that you are looking for a real estate agent to sell your beautiful Canadian home, you need to know what questions to ask them. You really want to know who you are working with. So below we have outlined a few questions that you should consider asking your new potential real estate agent.


How Many Clients Are You Currently Representing?

There are two things you need to consider for when asking this question. You need to consider whether or not you think this real estate agent is too busy or too free (meaning having very few customers). You also need to consider whether or not you feel your real estate is being upfront and honest with you when they answer this question. If your gut feeling says “move on”, it is probably worth listening to.


How Many Homes Have You Sold?

Again, there are two things to consider when asking this question. If they are young and have sold many homes you may want to ask what makes them successful. If they are older and have sold few homes you may wish to consider what reason they have for only having sold a few homes in their career.


Are Your Fees Negotiable?

This is a great question to ask because you will find out very quickly which agents are not worth working with. If your potential real estate agent says that they have fees that are non-negotiable, then walk away. If your agent isn’t willing to work with you, even a little bit, there are plenty out other that will. You deserve to have a real estate agent that you can talk to and work with.


How Much Money Do You Think My Home Is Worth?

It may seem tempting to stick with the one agent that says your home is worth thousands of dollars more than the other three agents. Don’t be tempted by this statement. This is almost always a bad sign unless you know for sure that they have a rock-solid method of selling your home, or unless you do not want to sell your home quickly. Stick with the real estate agent that has seen a lot of homes similar to yours selling for the price that they are suggesting. You want to make the most of your deal, but sitting on a house for months just because the asking price is too high? That is just plain silly.


Are You In Good Standing? Can I See Your Real Estate License?

There are websites that allow you to check to see if your real estate agent is legitimate and if their license is currently in good standing. They should have absolutely no problem providing this information to you for that very reason. If they do not show you their license or give you the information to look up you can assume that they are not in good standing or that they are fraudulent. There are many frauds out there that will assume you are unknowing and steal money from you. They will provide you with nothing, or come up with documentation that is completely inaccurate or fake. If you ask no other questions, please ask this one.

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Save Energy and Money In Your New Home
Posted on Fri, 30 Sep 2016, 12:45:00 PM  in My services
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Moving into your new home can be very costly when you add in the supplies, moving company and gas money. You may find yourself looking for ways to save money after your big move. Conserving energy is a great way to save money after moving into your new home. It also allows you to start over in a healthier environment. Use the following tips to save energy in your new home.

Adjust The Thermostat

Turn your thermostat up in the summer and down in the winter. You can always find other ways to cool or heat your home in extreme weather. A programmable thermostat allows you to keep the temperature adjusted when you are not home. You may be surprised at how much money you can save with this method.

lights-energyTrap The Air Inside

You should always keep the doors and windows closed when you are using the heat or air conditioner. It is also recommended to check and seal any gaps. You may find yourself turning the heat or air conditioner up if there are any leaks in your home.

Cover The Windows

Keep the cold air out of your home by closing the blinds at night during the winter season. Leaving the blinds open during the day allows you to warm up your home without turning up the thermostat. During the summer season, close the blinds to keep the sunlight from warming up your home.

Switch to LED Light Bulbs

LED light bulbs use 75 percent less energy than standard light bulbs. The best part is the LED bulbs are bright enough to provide ample lighting.

Unplug Your Electronics

It is no secret that turning off the electronics you are not using can save energy. However, keeping them plugged in may still use energy because there is still power flowing into the device. You can save more energy by turning off and unplugging the electronics. One idea is to invest in a power strip that is designed to stop the power from flowing once you turn the device off.

Trade In Your Desktop For A Laptop

A laptop uses less energy than your desktop, and it is easier to unplug a laptop when you are done using it.

Use Energy Efficient Appliances

Investing in energy efficient appliances is a great way to save energy around the clock. The appliances are designed to perform without using a lot of energy.

Eco-Friendly Laundry Method

You can save up to 40 cents per load by washing your clothes in cold water. If you have the time, hang your laundry on a clothesline instead of placing them in the dryer.

Reduce Your Shower Time

You can conserve water and save up to $15 per year if you cut your shower time by at least a minute. You can save up to $100 per year by cutting your shower down to five minutes.

Fix The Faucet

Do not wait too long to fix the leaky faucet in your bathroom or kitchen. A leaky faucet consumes a lot of water and raises your utility bill over time.

Keep It Clean

Dust can cause your furnace filter, vents, air conditioner, appliances and even your light fixtures not to work properly. This means they are going to use more energy to do their job. It is recommended to check and clean these items regularly.

It is easy to save energy in your new home. All you have to do is keep your home clean, seal up the leaks and make several changes. You can lower your utility bills and create a healthy environment in your new home.

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New Trend In Home Design: Pendant Lights, Warm Metals, And LED Lights
Posted on Thu, 15 Sep 2016, 12:40:00 PM  in My services
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New trends in lighting are popping up everywhere. Warm metals, pendant lights, and energy efficient LED lights can be found dangling high above kitchen countertops, entryway ceilings, above bedside tables, and in bathrooms everywhere. These trends can match all tastes, styles, and can work with virtually any decor.

led-lightsDeciding What Works For Your New Home

Whether you are moving into a new home, renovating, or selling your current home, it is always the perfect time to start thinking about your home's decorative style. When you picture a perfect kitchen, living room, bedroom or bathroom, what comes to mind?

Likely, you pictured your home's ideal furniture, paint colors, and flooring. Did you think about the lighting? Lighting is one of the most effective ways to shape the look and feel of your home's style. The lighting is an essential part of dictating your room's mood and feel.

Deciding the lighting that you will use in your home can be difficult as you will be faced with many options. However, there are a few key factors to consider: the availability of natural light, the signature style, the function and the color of the room. You should always keep in mind these key factors when deciding your home's lighting.

LED Lighting

Modern homes are thinking in terms of eco-friendly design and LED lighting is playing a huge part in this transformation. LED lights are more efficient, help save the environment, and help save money. Not only are LED lights better for the environment and your wallet, but they can also be a very attractive lighting option. The flexible choice in lighting can be used in modern fixtures as well as new sleek designs. Newer LED lights come in a variety of color temperatures and work with the needs and styles of an array of homes.

Warm Metals

Warm metal is being used in home design in a big way. Warm metal accents are everywhere and it is no surprise. The classic look of warm metal brings elegance and style to any space. The trend can be used to add a touch of glamor when dressing up a room. Fixtures, door handles, and even lighting are easy ways to introduce the latest trend. Look for brass, copper, and even gold. For a modern take on warm metal, consider a brushed metal surface as it can modernize the look. No matter which style you choose, the use of warm metals will reflect a light and even "glow" when used in tandem with the right color palette.

Pendant Lighting

Pendant lighting can be found in the pages of home decor magazines, blogs, and Pinterest boards. The perfect lighting solution can be implemented matching the style of virtually every home. It can be purchased in white, black, gold, copper, wrought iron, or glass and can act as an accent piece when used in the right way. If you are redecorating, redefining, or renovating your home and its style, then considers replacing some of your home's current lighting with a pendant light. A pendant light is an easy and affordable way to modernize your home's interior space.

Pendants are a big trend and can be used in combinations, hung at different heights, or in unexpected places. These modern fixtures are a great way to add that surprising something that makes your home unique.

For a modern and unique take on pendant lighting, consider adding pendants to your entryway strung at varying heights, or using big bowl pendants in unique colors above your kitchen counters, or the addition of matching pendants hung low over your bedside table.

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Buying a Home? How to Find the Right Community
Posted on Tue, 30 Aug 2016, 11:25:00 AM  in Home buying tips,  Marketing strategies,  My services
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Are you thinking of buying a new home? If so, it is important to understand that the neighborhood that you choose can be just as important as the house that you buy. After all, you will likely be living in that neighborhood for many years to come. The last thing that you want is to buy in a neighborhood that is not a good fit for you or your family.

So, how can you find the right community? The key is to figure out what you're looking for, do research and find a neighborhood that meets your needs. Even if you have already found the perfect home, you should fully investigate the neighborhood before making an offer. Here are some things to think about when researching a neighborhood.

Do You Want to Live in the City or the Suburbs?

communityDeciding what type of setting that you prefer is one of the most important things to consider when buying a home. Do you love skyscrapers and cityscapes? Do you want to be able to walk to shops, restaurants and parks? If so, the city might be for you. One the other hand, if you are more at home living someplace quieter where you can take advantage of nature’s wonderful views then moving just outside of town might be ideal. Some folks prefer rural areas where there are no nearby neighbors.

What Type of Home Do You Want?

Would you prefer a single-family home or a condo? Typically, location is the deciding factor. If you want to be located in the middle of the city, you will likely find that condos are more plentiful. Typically, large single family homes are not as common in the city.

Is the Neighborhood Attractive?

Are residents maintaining their homes? Do the yards look like they are being kept up? If so, this is good news. An attractive neighborhood means that the residents care about it. A neighborhood that is attractive will help home prices in the area stay strong. On the other hand, lots of vacant homes or foreclosures in a neighborhood is a bad sign. They often become eyesores as they deteriorate from neglect. These properties can significantly diminish property values in a neighborhood. Be wary of any neighborhood that has a lot of these properties.

Do You Have Children?

If you have children, one of your priorities might be choosing a neighborhood in a good school system. Another factor for parents might be the number of nearby community centers, libraries, pools and parks.

What are Your Interests?

Do you like hiking, boating, and swimming? Many of today’s communities offer a number of amenities to support almost any interest or hobby. Do you want to be able to hike near your home? Maybe you are an avid tennis fan and want neighborhood courts. Whatever your interest, find out if your neighborhood has offers things that you are interested in.

Is the Neighborhood Safe?

Even a neighborhood that looks nice can have a crime problem. Often, a neighborhood’s crime statistics can be found online. Check out the local police department website to determine if they publish crime statistics information online. Do not forget to look up registered sex offenders in the area. You can get this information by searching the National Sex Offender Registry. This is especially important if you have young children. You do not want to purchase a home only to find out that a violent sex offender lives next door.

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Top Benefits of Home Inspections for Buyers and Sellers
Posted on Mon, 15 Aug 2016, 11:15:00 AM  in My services

Many sellers forego a home inspection and find themselves going through a lot of hassles during the negotiation process with a potential buyer. Being caught up with excitement during the buying process prevents most buyers from asking for an inspection. However, regardless if you are selling your home or placing the property on the market, having an inspection done provides you with many benefits.

Exposed Issues

inspectionsFor buyers, there are many issues that go unnoticed by an inexperienced eye; however, an inspection will expose those problems. This includes anything from bad wiring to plumbing issues. When you choose to work with an inspector, she can assess major defects, potential threats, and safety concerns. In addition to finding the issues, the inspector can give you suggestions on how to fix those things. Buyers and sellers do not want to deal with code violations, which are things that an inspector can identify on the property. Finding the problems beyond the drywall is something that inspectors can do without actually ripping the walls apart, regardless of how subtle the signs are.

Accurate Estimates

Having a home inspection helps determine what needs to be fixed and the cost of those repairs. It is best for sellers to have a presale home inspection completed in order to determine if the issues are major or minor. For example, if the inspector reports that the roof is cracked or missing shingles, a buyer may believe the work will cost thousands of dollars. However, as a seller you can have a roofer come out and learn that it is just a matter of replacing a few shingles or tiles, which will cost you a few hundred dollars.

Presale home inspections help sellers fix an issue before the buyer learns about the problem and jumps to the wrong conclusion. You do not want to lose a potential buyer over a minor issue.

Peace of Mind

Purchasing a home is a big step for buyers, which is why they want to know exactly what they are getting before making this huge commitment. Although there are no perfect homes, a presale home inspection will provide buyers with a thorough report on the property before they decide to make a purchase. The inspection is assurance that the seller has taken the issues into consideration when determining the asking price. The more a buyer knows about the property, the less shocked he will be when he encounters issues in the future. In instances when the repairs are too extensive, buyers will have the option to opt-out of the contract. The home inspector could also advise the buyer on what type of maintenance he can do to avoid additional repairs.

Marketing Tool for Sellers

You will have an edge over other sellers in the community when you have a home inspection performed. Giving this full disclosure to potential buyers is a sign of good faith. The findings in the report also give you the opportunity to make repairs ahead of time, which expedites the sale of your property. The presale home inspection could increase your home’s marketability. Any repairs that you fix prior to selling the home could help justify your asking price. Having the inspection done allows you to fix the issues at your own pace, and according to your own budget. When you make the repairs ahead of time you do not have to worry about getting hit with everything at once during the negotiation process. These upgrades and repairs will add more value to your home.

Buyers and sellers are generally turned off by home inspections due to costs; however, having the inspection done can save both parties time and money in the long-run.

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Projected Changes to the Canadian Real Estate Market for the Second Half of 2016
Posted on Sat, 30 Jul 2016, 12:55:00 PM  in My services
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The Canadian Real Estate market is changing rapidly and taking a new direction. The aging population, mixed with the need for space, construction and technology is creating new opportunities for the growing real estate market. Here are the top ten trends taking over in 2016.

Cautious Investors

The Canadian real estate market is expecting to see the majority of market activity and move from the west portion of the country toward the east. They also expect to see a lot less risky investments. The investments being made in 2016 will most likely focus on sound investments and future financial return.

canadian-marketA Smaller Number of Available Properties in the Top Tier

There the last decade, top tier properties have been the main focus of investors. Unfortunately, investment buyers like pension funds and real estate investment trusts are making their money and power obvious. Since they are purchasing a great deal of top tier properties, buyers to operate on a smaller scale have been forced to focus on properties that cost less, and require significant renovations if they plan to see a return in their investment.

Changing The Way Office Leasing Is Handled

Investors are becoming all too aware of the shortfalls and nonindustrial real estate properties. Because of this, many investors are focusing on properties they already own in an effort to increase their property value. Because of these two changes, the way leasing is handled has changed quite a bit. Office spaces are being split into multiple units, and the average lease has increased in length. These changes have forced businesses to provide less space for each of their employees, and also provide less amenities for them as well.

US Dollar Provides Optimism

With the economic conditions in China in Europe being extremely uncertain, many firms are looking to the United States in an effort to boost investments. Even though the United States has not fully recovered from the recession, and their economic status has not been extremely strong, the U.S. dollar is currently worth more than a Canadian dollar. Since major companies in the United States are looking to make investments in other countries, the Canadian real estate market could definitely reap the benefits in 2016.

Lower Oil Prices Provide Influence

Many of well-known economists in Canada have confirmed that oil prices are one of the major factors in how the housing market will play out for the remainder of 2016. In many major cities, the market for large house is has become rather stagnant. With a projected drop in oil prices around the middle of the year, we may see a great deal of growth and a less expensive, suburban areas.

Since there will be less money invested in gasoline, and heating sources, more people will be able to spend money and department stores and other retail locations. This could definitely increase the focus on commercial, and industrial properties

Foreign Investors Making their Way to Canada’s Real Estate Market

Canada has always been known as a safe investment area for the rest of the world. With the economic struggles that many countries are facing, more and more companies are looking for a safe place to invest. Surprisingly, the lower value of a Canadian dollar adds to the appeal when it comes to investing. It is projected that Canada will see a spike in foreign investment flowing in from numerous countries. Because of the diversity in markets looking to invest in real estate, it is expected that a number of markets will see a boost, including residential, business, industrial, farmland, and development land.

Housing Becomes More Affordable

One of the driving forces in the Canadian Federal election is housing affordability. Because of the focus aimed at it, many investors are watching to see when this push will turn into a trend. There are currently in number of factors driving up housing costs, and every area is being affected by different factor. However, it is thought that with the nationwide push to change the affordability of housing, development applications and construction will soon increase dramatically.

More Renters Entering the Market

With the lack of housing affordability being a major concern, many people are turning to the rental market instead of purchasing him. This change has created a new demographic of people that economists are referring to as “permanent renters.” While this may not sound like a positive for those looking to sell properties, it is definitely a refreshing change for investors who are looking to expand their rental business.

Buyers Seeking Homes in the Suburbs

Many areas in Canada are urbanizing. Even though this trend is taking off with some people, the suburbs are going stronger than ever. Urban areas that have seen home prices reach new heights. This is caused any people to look for rentals, and those who choose to own homes are retreating to the suburbs. With the recent improvements in in public transportation, it is taught that more and more people will seek housing in suburban areas.

Technology Becomes a Disruption

With the online world becoming larger by the day, commercial real estate markets are seeing a major change. There has been a larger number of businesses looking for storage locations than businesses looking for storefronts. Their purpose in storing their inventories is for online stores. Online shopping has taken off dramatically over the last several years, which has increased the demand for construction, and a lot of commercial properties empty.

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Brexit and the Canadian Housing Market
Posted on Fri, 15 Jul 2016, 12:45:00 PM  in My services
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When Britain voted to exit from the European Union a few weeks ago, the impact of this referendum was felt worldwide. Stock markets plunged and currencies were devalued. No one really anticipated that the success of Brexit would have a profound effect in stable economies such as Canada, but real estate professionals are beginning to see shifting trends in the local markets.

Increasing Interest in Local Listings

Economic and political instability usually hinder investment growth. Flight of investment capital from Britain is anticipated, and investors will seek stable and secure growth vehicles such as real estate in the U.S. and Canada. If you own property in Vancouver and Toronto, expect more pressure on the buy side as qualified British investors seek inflation-protected investments that could also be used as second homes. Industry professionals also believe capital flight into Canada may be redirected to areas that offer significant growth potential such as Edmonton, Calgary and Thunder Bay. However, if you are a local resident and currently house hunting, expect tighter inventories and higher prices.

Interest Rates to Remain at Historic Lows

Uncertainty in the global markets will affect interest rates. The U.S. Federal Reserve System is expected to keep interest rates low as will Canada where interest rates have been at historically low levels for a while. This means more affordable mortgages for those buying a home, which will fuel the demand for houses for sale in markets where demand outpaces supply. As a result, home prices could rise even more, creating challenges for the middle-income sector that are already priced out of the market and are struggling to find affordable rental properties. If you own property in this market, it’s not really an encouraging situation since selling to lock in your gains on rising home values may not be a viable strategy due to the lack of suitable replacement properties.

flagBuying Opportunities in British Properties

Investors are fleeing U.K. property funds in droves, prompting financial leaders to call for freezing of withdrawals to manage the sell-off that could destabilize the market further. With investors pulling out and interest rates declining, Canadians with the ability and liquidity may find value in U.K. investments to diversify their portfolios. The advantages of holding British properties may outweigh the risks if you can stay in it for the long haul.

Currency Devaluation

The value of the Canadian dollar will remain soft compared to the U.S. dollar, which would affect consumers' buying power. This may have an impact on your vacation plans should you plan to spend time in the U.S. or consider house hunting in Florida for instance. However, with a weaker pound and anticipated discounts on European travel, Canadians may find tempting bargains on the European side.

Segmentation of British Consumers

The economic impact of Brexit will be filtered through each household's financial status. High net worth individuals are not likely to be affected as much as mid-level earners. You can expect well-heeled individuals or their surrogates to be among the bidders of high-end residential and commercial properties in Canada's metro areas, enhancing the demand for luxury properties. However, middle-income buyers may stay away after suffering a significant loss in net worth, assuming that they push through with their Canadian travels. This would ease the pressure on mid-priced real estate as this segment of potential European buyers would cease participating in bidding wars.

Canadian Trade to the U.K.

The slowdown in orders from British trade partners is affecting businesses worldwide. Fortunately, trade to the U.K. takes up only 2.5 percent of Canada's total foreign trade, so the impact on Canadian businesses may not be all that much. However, uncertainty looms for those companies doing business in the U.K., which may lead to job losses if not business relocation and realignment.

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Getting Rid of Stains in Your Home
Posted on Sat, 30 Apr 2016, 09:45:00 AM  in Home selling tips,  My services
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Your home is your palace, but when you decide to list that palace for sale, you need to make sure that you get rid of any visible stains, including those on your carpets and counters. Those stains can make buyers reduce their offer or walk away entirely. Many buyers will reduce the offer they make because they think it will take a lot of time and money to replace those stained surfaces or remove those stains. With a few simple products you already have in your home, you can quickly get rid of most common stains.


Hydrogen Peroxide

While hydrogen peroxide kills germs on the skin, it also does a good job of cutting through stains left behind by blood. The next time your child falls down and scrapes his or her leg, reach for the bottle of hydrogen peroxide to kill any bloodstains on your carpet. It may work well on older stains too, but make sure that bakingsodayou try a small amount on a hidden area of your carpet first because it can bleach the fibers. Apply a small amount of peroxide to the carpet with a spray bottle. Blot the liquid up with a dry towel or cotton balls. It may take several applications to remove all traces of the blood.


Lemon Juice

Lemon juice is one of the best products around for removing stains on counters and stainless steel. Many people love using lemon juice because it leaves behind a light and refreshing scent too. Simply cut a lemon in half, rub the cut side of one half to the stain and let sit for 15 minutes or longer. The citric acid in the juice will slowly cut through the stain without damaging the surface itself. As with other bleaching agents, you should try this method on a hidden spot first.


Baking Soda

Baking soda is another natural remedy that works well on surface stains. Sprinkle a small amount of baking soda on the stain, add enough water to form a paste and work the paste into and around the stain. The natural grit from the baking soda acts as a buffer to remove the stain. You can also use apple cider vinegar or distilled white vinegar in place of the water. This will create a reaction that looks similar to a miniature explosion, so make sure that you use just a small amount of vinegar.



If you have bleach and want to get rid of stubborn stains, dilute the bleach in a plastic water bottle with an equal amount of water. You'll always want to test the bleach on your surface because it can and will change the color of most surfaces. Bleach is often a last resort. Only use the product if you tried the other methods and did not see any results. Make sure that you wear gloves to protect your hands when working with bleach too.


Wood Pens

For those stains that you see on wood floors, stairs and other parts of your home, try an ordinary wood pen. This can cover some minor stains and reduce the risk that you might need to strip, sand and stain or paint those wood surfaces. These pens come in various colors to match different types and shades of wood, including walnut, cherry and mahogany. You simply scribble the pen across the stain until it blends with the surrounding wood. Using these easy methods can help reduce the appearance of or completely eliminate the stains around your home that typically turn buyers away or reduce their offers.

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Benefits of Lease to Own Homes
Posted on Fri, 15 Apr 2016, 09:00:00 AM  in Home buying tips,  Marketing strategies,  My services
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One of the hottest real estate trends sweeping the world today is something called lease to own packages. In the same way that rent to own stores let you make small payments to buy a product, lease to own homes let you make small payments to buy a home outright. The trend started during the worldwide recession as many buyers couldn't afford home loans, but the trend continued as buyers found it harder to qualify for home loans. Buying a home through a lease to own agreement has some big benefits that appeal to many buyers.


Smaller Down Payment

Saving money to make a down payment on a house may take you years or even more. Many lenders ask that you put down 10% or even 20% of the total purchase price as a down payment. You're also responsible for closing costs and other fees that add to the total amount you need to put down upfront. With a lease to own home, you generally make a smaller down payment. Some sellers require a down payment equivalent to three months of rent, which also covers your security deposit.


Fewer Monthly Payments

Banks offer mortgages that range in length from 10 years to 30 years. That leaves you making payments every month for 120 months or more. Sellers who uselease lease to own contracts often ask that you make payments for as little as six years. The amount you pay each month is equivalent to one month of rent, and the seller agrees to put that money into a special account. If you decide to buy the home once your lease expires, the seller will use that money and any additional money to pay off the house.


More Time to Save

With a traditional mortgage, you may find yourself scrimping and saving every month just to make your payment, which leaves you little savings for the future. A lease to own contract gives you more time to save. Once you reach the end of your lease, the seller gives you the option to buy the house outright or walk away from the sale. If you walk away from the sale, you can use your savings as a down payment on another property or rent another home. If you want to buy the house, you can use your savings to cover the final balloon payment and take over ownership of the home.


Freedom to Make Changes

When you rent a home, you must follow the rules in your rental agreement carefully. Most landlords forbid tenants from making any significant changes to the property. The landlord may not let you paint the walls inside, make repairs to the exterior or even plant new flowers outside. With most lease to own contracts, you have complete freedom to change the house because the seller expects you to finish buying the property later. You can replace bathroom fixtures, change the floors, paint the walls and even do landscaping outside.


No Bank Intervention

One of the biggest benefits of lease to own homes is that these properties do not go through the bank. Instead of applying for a home loan, you work directly with the seller to buy the house. Each payment that you make goes to the full purchase price of the home. You won't worry that the bank might foreclose if you miss a payment or that a late payment will affect your credit score. Buying a home on a lease to own or rent to own contract may appeal to you more and have more benefits than taking out a traditional mortgage does.

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