Now’s a great time to buy – so get excited about the opportunity! It would be my privilege to help you get into that home you’ve been dreaming about.
All the best – Tom
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Here’s a really interesting piece from the New York Times regarding virtual reality technology in the real estate world. I’d highly recommend checking this one out if you are a Real Estate Agent…..
Source: New York Times
This technology is expected to transform the real estate industry and, some say, make house-hunting more efficient. It can help to reduce the stress of relocating to a new city or buying from abroad and also allow buyers to visualize properties in development.
In some cases, the excitement of providing virtual-reality technology to clients has created an outsize sense of the technology’s importance. One company was keeping its VR prototype secret, lest a competitor try to steal it. But whether the technology is ready for widespread use — and whether consumers really want it — remains an open question.
What is now available to consumers and growing more popular is the 3D walk-through. This is an updated version of the panoramic camera shots that were all the rage a decade ago. There’s no headset. Users move their mouse or arrow keys from their computer keyboards and devices to navigate through rooms and zoom in on apartment features.
This is a fantastic story of how one couple, with some great perseverance, paid off their debt and got rolling. Absolutely worth the read!
Source: How Millennial Newlyweds Paid Off $100K Debt
Financial professionals might balk at their methods, but this is how one Millennial couple dealt with their debt.
“They’d racked up student loans. And then some credit card debt from professional licensing exams, plus a celebratory post-doctorate cruise. And one day, newlyweds Andrew and Veronica Kaslewicz of Pittsburgh, now both 28, found themselves saddled with more than $100,000 in debt and no good way to pay it off.”
They got mad, and then they got smart and started saving
One day Andrew’s uncle, an antiques dealer, explained to him that gold and silver were also money. “That was the spark that ignited Andrew’s money passion, a simple realization that money could be obtained by other means than working for someone else ,” Veronica said, “It sounds simple, but working for someone else was all we knew at the time.”
Andrew read everything he could about money and how it works. “He began getting angry at how the financial system worked against us, encouraging lending and spending to keep people in debt, and decided that he wanted out. He wanted freedom. I was kind of just along for the ride at first, then I became just as passionate as him,” Veronica said.
What REALLY causes slumps, throwing problems and other, seemingly mysterious performance difficulties on the field and the BREAKTHROUGH techniques that can get you unstuck and back on track!
Source from Dr. Alan Golberg: Overcoming Performance Fears and Blocks – Baseball | Competitive Advantage: Mental Toughness
The Problem
Repetitive Sports Performance Problems or RSPPs, a very common performance issue that lays waste to the careers of many talented ball players across all levels of the game. Occasionally an athlete will successfully work through this kind of problem by himself. More often than not, however, these problems will continually sabotage an self-confidence and ultimately drive him right out of the sport.
The Causes
These repetitive performance problems are most often caused by past physically or emotionally upsetting events. For example, a physical injury like a collision, concussion, torn ligaments, pulled muscle, getting hit by a pitch or breaking a bone, or the upset can be emotional like committing an error that costs your team an important game, choking away a big performance opportunity, getting cut from the team or being screamed at and humiliated by your coach in front of your teammates and fans.
The Results
These upsetting events end up getting memorized and held in the athlete’s mind and body, long after the experience has been forgotten. If they’re in any way reminded of these upsets or the athlete is under pressure, then components from the original experience end up bubbling up into awareness.
What the athlete becomes aware of at that point is a loss of confidence or feeeling of danger inside. This sense of inner danger then triggers that athlete’s nervous system to automatically respond with self-protective motor programs, i.e. fight/flight. Suddenly the athlete can’t get himself to do what he knows how to do. He loses his velocity on the mound and can’t get the bat off of his shoulders!
The earnest money deposit is an important part of the home buying process. It tells the seller you’re a committed buyer, and it helps fund your down payment.
How Much Should You Put Down in the Earnest Money Deposit?
The amount you’ll pay for the earnest money deposit will depend on a few factors, such as policies and limitations in your state, the current real estate market, and what the seller requires. On average, however, you can expect to hand over 1-2% of the total purchase price as earnest money.
When Do You Pay the Earnest Money, and Who Holds It?
In most cases, after your offer is accepted and you sign the purchase agreement, you give your earnest money deposit to the title company. In some states, the real estate broker holds the deposit.
Always check the credentials of the firm or broker taking the deposit and verify that the funds will be held in escrow. Never give the earnest money to the seller; it could be difficult or impossible to get it back if something goes wrong.
After turning over the deposit, the funds are held in an escrow account until the home sale is in the final stages. Once everything is ready, the funds are released from escrow and applied to your down payment.
If the deal falls through, a small cancellation fee is usually taken out of the deposit, but the remainder remains in escrow. Whoever holds the deposit determines whether you should get the money back under the terms of the purchase agreement. Make sure that the purchase agreement covers how a refund is handled.
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