Birthday Wishes

Originally posted 2009-06-24 05:00:30. Republished by Blog Post Promoter

Birthday wishes goes out to the writer and publisher of this blog, Serena Brown.

 

Happy 40th.

Top 3 Ways to Reduce Your Homeowner’s Insurance

Originally posted 2009-01-26 09:24:21. Republished by Blog Post Promoter

The premium for home owner’s insurance is influenced by your credit and the replacement cost for the home.  Since your home owner’s insurance can be part of your mortgage payment it is important to know ways to decrease the premium to lower your  mortgage payment.   There are three ways to decrease you home owner’s insurance:

• Since it may take some time to improve your credit, a reduction in replacement cost is one way to decrease your home owner’s insurance.  Some insurance company can decrease your replacement cost to 80% of the replacement cost.  For instance, if the replacement cost is $100,000 it can be decreased to 80,000 as long as it is enough to pay off the mortgage and help you start over if the home is total loss.  Incidentally, this is not recommended for a long term solution to the increase in mortgage or insurance premium.
• Another way to decrease your premium is to increase your deductible.  Remember on homeowner’s insurance you do not pay the deductible before a claim is paid it is simply deduct from the claim.
• Still yet another way is to decrease your liability coverage.

There is an often overlook way to combat an increase in premium that is to find out what your home owner’s insurance when it is three months before your one year anniversary of the purchase of your home.  Your insurance agent should have your renewal premium amount.   If it is more than one hundred over your previous year premium shop for new insurance by calling other companies and get quotes or ask for the above changes to your present premium.

Lawsuit.com – The Online Law Firm

Originally posted 2009-04-24 14:27:34. Republished by Blog Post Promoter

Have you heard of www.lawsuit.com?  If you haven’t, you should check it out.  www.lawsuit.com not only evaluates ongoing lawsuits, but it gives updated news on topics that affect consumer safety and puts public awareness at the forefront for consumer on issues like mesothelima. 

Mesothelima is a cancer that is caused by exposure to abestos.  It is a concern for anyone that has work in a factory that was built in the early 1800 to 1980.  For more details and list of common symptoms of mesothelima visit www.lawsuit.com.

The most unique and important feature that lawsuit.com provides is  a directory of attorneys.  The attorneys are required to provide videos for the consumer to review about the attorney’s specialty.   These videos are especially useful so that the consumer can get insight in to the symptoms that he or she is experiencing are related to medication or work related injury or exposure. 

Remember to use www.legaldocs.com/legaldir/ListingIndex.aspx to search for your next attorney.  If you are in need of inexpensive legal forms visit www.legaldocs.com.

History Behind a Midwest Town

Originally posted 2009-01-11 10:37:49. Republished by Blog Post Promoter

Did you know that an industy or company could develop a community or city?  In most of the Midwest this was a common practice, hence the development of the community of East Chicago, Indiana.

The city has a history of being described as the “Twin Cities”.  This description was due to the city being divided into as east and west sides by the citizens at the time of inception.  The east side was known as Indiana Harbor and the west side was known as Sunnyside.

East side was comprised of Inland Steel and several other industries, and the west side was comprised of 140th Street North, south of Columbus Drive, west of Alder Street, and east of Cline Avenue.

The city grew and it 1920 had a population of approximately 36,000.  It was in 1920, that the section of Sunnyside was developed as a new community in Indiana Harbor.    This new community was comprised of 100 duxplexes that still stand today.   The homes were owned and rented to Inland Steel employees.   The rent was reasonable, so there was always a waiting list.

As times and financing changed, so did the ownership of the development, in 1963 the Purdue Calumet Development Foundation took over operation of the development.  The Development decided to sale the duplexes in 1969 with Inland employees getting first choice on the purchase of the homes.

With the sale of most of the homes, there was a need to develop more homes in the area.  In 1970, 38 homes were built.  With another eight homes being added to Evergreen Estates in 1974.

With the growth of Inland Street, the company committed to renovating the 100 duplexes in 1971.  This renovation was named the largest renovation in Midwest history.  The homes received many upgrades at the time to include upgrades to the plumbing, electrical wiring, and heating.

In those days, the companies were involved in your life to make your life better on and off the job.  I think that we may be headed by to those times.  Remember history has a habit of repeating itself.

What is Foreclosure?

Originally posted 2009-02-11 11:04:33. Republished by Blog Post Promoter

Foreclosure takes place when the deed is foreclosed through court action. It takes court action to <a href=”www.taylorbrownrealestatetalks.com”>foreclosure</a> on a home. 

 

The borrower uses his or her home as security or collateral for a mortgage. If the lender does not pay as agreed the lender can accelerate the mortgage and then places a lien on the property. Along those same lines, however, when the borrower pays off the loan, the lender gives the borrower a satisfaction of mortgage. The satisfaction of mortgage removes the lien on the property.

 

The <a href=”www.taylorbrownrealestatetalks.com”>foreclosure</a> progress begins with the lender’s attorney filing a summons and a complaint to the borrower and any other parties that may have rights in the property.  A trial is held, but once the borrower is notified the borrower has twenty days to respond to the complaint.  The borrower can challenge the lender on the foreclosure lawsuit.  If the borrower challenges the foreclosure, the court has 40 days to respond back to the borrower.  Each challenge must be related to the mortgage <a href=”www.taylorbrownrealestatetalks.com”>foreclosure</a>.  This process can go back and forth between the lender and the borrower as long as the borrower finds something incorrect information in the complaint. This, of course, slows the <a href=”www.taylorbrownrealestatetalks.com”>foreclosure</a> proceedings because it must be hear in court.  By virtue of the back and forth of this procedure many homeowners can stay in their homes for months often years after they have stopped paying their mortgage.

 

Dare to Dream in Northwest Indiana

Originally posted 2009-08-28 14:59:10. Republished by Blog Post Promoter

The Ivy Tech Community College of Indiana Northwest invites citizens of Indiana to dare to dream by attending a “friendly conversation” meeting with leaderships of several communities.

The meetings will be held on:

• August 18 at the Library Conference Center of the Indiana University Northwest from 8 am to 10am
• September 17 at Purdue Academic Learning Center in Crown Point from 8am to 10am
• September 29 at Lost Marsh Golf Course in Hammond from 8am to 10am

Bring any and all questions, comments, and suggestions to the meetings because the objective of these meetings is to “promote communication, cooperation, and collaboration among leadership to improve the quality of life for all citizens.”

To reserve your seat for the event call LaShung Willis at 219 980 7704.

What to do If Your Home Has Mold and Mildew?

Originally posted 2009-02-03 10:33:06. Republished by Blog Post Promoter

The recent storms in the area may have your wondering what may be growing behind my drywall? OR It may have you wondering why is my sinus acting up?  Well, it may be mold.

Take this survey, http://www.care2.com/greenliving/quiz-home-growing-mold.html to determine if that is the case.

Once you determine if it is mold.  Now, what you may be wondering? 

The steps for removing mold are:

•  eliminate the source of the moisture. 
• dry the wet area to include removing drywall because mold or moisture may be on wall and insulation behind drywall
• dispose of contaminated materials

Once all the contaminated material have been removed and the area is dry, you are ready to begin the process of getting rid of the mold. 

• Protect yourself from the mold.  Mold can cause respiratory problems, so make sure you wear rubber gloves, eye googles, a paper suit and a filter dust mask.
• Clean all surfaces that came in contact with the mold.  You must disinfect them.  A great disinfectant is 1/2 cups of bleach per gallon of water.  Then, allow the solution to dry on the surface.  Remember to vent the area that you are cleaning by opening windows.   Never mix bleach and ammonia because it can create toxic fumes. 

If your home had moisture or mold issues and you are trying to sell it.  I recommend that you disclose those issues on your seller disclosure and if you did anything to fix the problem disclose that as well.  Keep all receipts showing the repairs that were may as a result of the problem.

Smart Homeowners Save Up to $300 on Winter Heating Bill With These Tips

Originally posted 2009-06-18 05:00:51. Republished by Blog Post Promoter

Winter will be back before we know it, but as one of my friends said last week, “has it really left. ” She was wondering if she needed to turn on her furnace one day just last week when the wind chill seemed to be in the upper 30s.  With the higher heating bills that we all have to contend  with I believe she choosed to just put on another sweater.

However, this winter there are five things that we can consider to help lower our heating bills this winter.

• Get a check up for your furnace. It is useful to fix something before it breaks by doing preventative not corrective maintenance.
• Change filiters.  A clean filter circulates air better and improve your indoor air quality
• Reduce the temperature on your thermostat to 68; it can save as much as $300 on your heating bills.
• Install insulation in your attic.  It is recommended to use R value of 49, and it needs to be 19 inches deep.
• Invest in an energy efficient furnace.

If you want to save money on your heating bill this winter, consider the above recommendations; however, if you are considering replacing your furnace or need insulation.  Budget for the cost before pulling out a credit card.

The Amazing Secrets to Short Selling Your Home in This Market

Originally posted 2009-03-12 10:44:19. Republished by Blog Post Promoter

front-cover

From: Serena Brown, 10:05AM

 

If you are interested in selling your home using a short sale then learning an effective and efficient way to accomplish that goal is a much needed skill.

 

The single biggest complaint homeowner has is knowing how the short sale process works, and if the short sale will stop the foreclosure process.

 

As a homeowner who is facing the scariest and worst market for selling a home in decades it is important to have a guide along the way that help you understand what will or will not happen when and if you get a buyer for your home. 

 

As a homeowner, it is reasonable to want to understand the tax laws to avoid capital gain or loss.  It is equally reasonable for a homeowner to want to be able to sell his or her home before the sheriff sale. 

 

As a homeowner, the short sale and the pending foreclosure can become overwhelming.  In order to make the short sale an easier process it is important to understand the process and the options and choices that the homeowners have during the process. 

 

There is an amazing new book “Should I Short Sale My Home.”  It covers nearly everything you need to know about the short sale process and the effects the sale has on your federal income taxes.

 

Imagine having knowing how to get your home sold before the sheriff’s sale.  Would that be nice?  And can you imagine how great you’ll feel to have a clear and precise package to present to the lender to get the home sold before it is foreclosed on. 

 

Just a few weeks from now you will understand what a short sale is and what happens if you are an insolvency homeowner who sold your home in a short sale.

 

Did you hear that sold your home in the short sale?  Some homeowners list his or her home and it does not sell before the foreclosure, and the homeowner does not understand why the home did not sell.

 

And it’s not like any book you may have read on short sale of home before foreclosure, the book gives you all of the recent changes to the law that helps the insolvent homeowner and helps the homeowner understand the process of the short sale.

 

Why?

 

Simply, every section in the book is there because you asked for it.  Well, not “you” really.  But from real live questions.  Questions from people who have tried to sell their properties and sold their properties using a short sale, and the homeowner wants to make sure all the capital gain or loss is not going to negative affect him or her at tax time.   Questions from homeowners who wanted to know if they can ever own a home again after selling their home using a short sale.  A face to face question and answer section was completed.

 

And imagine the selling your home before the sheriff sale.  You can definitely do that.  Imagine being in control of selling your home.  Some homeowners are able to buy a home in 4 to 6 years after the short sale.  Not bad just for selling your home before the sheriff sale, huh?

 

·        You can save your family from the embarrassment of the foreclosure process

·        You can save on federal income taxes by proving that you are insolvent due to job loss, medical bills, etc.

·        You could take save your credit from the foreclosure

 

Would that be a great lifestyle or what?  That’s what this brand new book gives you the knowledge of the short sale process and the hope of selling your home before the sheriff’s sale and being able to purchase a home in the future. 

 

To get your paperback copy today for only $15.00 click on this link and get a downloadable copy for $8.00 of  “Should I Short Sale My Home”  http://www.lulu.com/content/paperback/shouldisalemyhome/6381193

 

 

 

 

How to Sell Your Home in Any Market

Originally posted 2009-03-27 05:31:59. Republished by Blog Post Promoter

Yesterday, you got a peak at the content of my new ebook “How to Sell Your Home”.

If you are interested in selling your home….then this is going to be the most exciting message you ever read.

Here’s why:

There is an amazing new ebook called “How to Make Your Home Sell.” It covers nearly everything you will need to know about selling your home…as soon as TOMORROW.

Imagine being able to sell your home in hours after a potential buyer visits the home. Would that be nice?

Do you need to sell…and doing so would make your life easier. And can you imagine how great you’ll feel if the sale happens within hours of making the recommended changes.

Selling your home.

That’s what this brand new ebook will help you do.

And it’s not like any other book you’ve read on how to sell your home

Why?

Simple, every section in the book is there because “you asked for it.” Well, not “you” really. But from real live questions. Questions from people like you who are trying to sell their home.

There is no fluff. Just answers and recommendations.

You’ll discover all types of exciting tips. From what the market is like to what supplies are needed to help your home sell.

Get your ebook copy TODAY for $2.00 each.

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