On Time or Early...or Always Late


Do you know the one reason people arrive late? They leave late. What I mean is; it is not the traffic, it is not the directions, it is not the last minute phone call, it is simply that they left late. In my experience most people arrive for business appointments late.

Being late tells me a few things about people:

They don't respect my time;
They are disorganized;
They are not someone I can rely on to keep a commitment.

Perfect example:

Several years ago a client of mine, who I won't name names, Doc, showed up 15 minutes early. He was sitting on the porch of the home we were about to view. I had to look at my watch to make sure I was on time because this had not happened to me. I was really put off since I thought the seller would have been offended by someone sitting on their porch...fortunately that was not the case.

As not to be "late" again...and as the joke would have it between us later...I showed up at our next time to view homes 30 minutes early! Oh the shock and joy on his face knowing I would not be outdone!

I have always been one to be on time or early since it upsets my whole day. How do you come across?  Are you always late? Giving the impression that no one is important enough or you are more important than they? If so, let it be the "you" of the past.

Are you disorganized? Never able to find things when you need them? If so, let it be the "you" of the past.

Are you someone who doesn't make commitments because you know you will not be able to live up to them?  If so, let it be the "you" of the past.

Let this be the New Year that you make the commitment to show others that you value their time. Let this be the year you are able to stick with a resolution that means something to others, respect for others...as well as yourself...your time...your organization...your commitments!


~HAPPY NEW YEAR 2012!~


Color is a Powerful Thing - Set the Right Tone



 

 

Like death and taxes, there is no escaping color. It is ubiquitous. Yet what does it all mean?

Why are people more relaxed in green rooms? Why do weightlifters do their best in blue gyms?


Blue

The color of the sky and the ocean, blue is one of the most popular colors. It causes the opposite reaction as red. Peaceful, tranquil blue causes the body to produce calming chemicals, so it is often used in bedrooms. Blue can also be cold and depressing. People are more productive in blue rooms. Blue is often the chosen color by conservative people. Blue is so soothing that is a good choice for pajamas. Dark blue is the color of truth and moderation.

Fashion consultants recommend wearing the midnight hues to job interviews because it symbolizes loyalty, while wearing the serene lighter shades soothes the person wearing it making the people around them feel at ease and party guests feeling comfortable in your presence. Studies even show weightlifters are able to handle heavier weights in blue gyms!


Red

The most emotionally intense color, red stimulates a faster heartbeat and breathing. It gets noticed but makes the wearer appear heavier. (Still my favorite color...who cares if it makes one appear heavier!) It is also the color of love. Since it is such an extreme color, red clothing might not help people in negotiations or confrontations. Red is the color most chosen by extroverts and one of the top picks of males. Men are attracted to women wearing the ruby hue. On the negative side red can mean temper or anger.

In decorating, red is usually used as an accent, but makes a great wall color as well...for those daring enough to do it...and do it right! Decorators say that red furniture should be perfect since it draws attention.

Purple

Purple is the color of good judgment. It is the color of people seeking spiritual fulfillment. It is said if you surround yourself with purple you will have peace of mind. Purple is a good color to use in meditation.

The color of royalty, creativity...a feeling of inspiration. Purple connotes luxury, wealth, and sophistication. It is also feminine and romantic. Because it is one of those colors people either love or hate, wearing it sends the message that you're a self-assured free thinker. However, because it is rare in nature, purple can appear artificial. Most children love the color purple. Purple is the color most favored by artists.



Black

Black is the most misunderstood color. It is the color of authority and power. It is also stylish and timeless. It's a color not often used on walls, but as accents. Black is not a color, strictly speaking. It is the absence of all color. When people speak of opposites, it is usually in terms of black and white.

Black also implies submission. Priests wear black to signify submission to God. Some fashion experts say a woman wearing black implies submission to men. To take the edge off, choose something with a bit of embellishment, like lace or ruffles. It is popular in fashion because it makes people appear thinner. Black outfits can also be overpowering, or make the wearer seem aloof or evil. A black tie dinner is very formal and elegant. Women can wear that "must have little black dress" to the black tie dinner.


Orange

Orange is fun! Orange is a power color. It is said to increase the craving for food. Orange means vitality with endurance. This exuberant shade isn't the best choice for a serious business meeting or jury duty. Because it is enthusiastic and inviting, you should wear it when you want to appear social, friendly, or approachable. People who like orange are usually thoughtful and sincere. If an orange outfit isn't at the top of your list, try a belt or a pair of shoes.

Curiosity is a driving characteristic of orange, and with it comes exploration of new things. If a change of any kind is needed in life, just burn an orange candle for 7 nights.


Green

Currently the most popular decorating color, green symbolizes nature, fertility, life. Grass green is the most restful color. It is the easiest color on the eye and can improve vision. It is a calming, refreshing color.
It instantly brings about feelings of peace, happiness, and contentment. Geen symbolizes self-respect and well being. Green is the color of balance. It also means learning, growth and harmony. Green is a safe color, if you don't know what color to use anywhere use green.

People waiting to appear on TV sit in "green rooms" to relax. Hospitals often use green because it relaxes patients.  Dark green is masculine, conservative, and implies wealth. Green contains the powerful energies of nature, growth, desire to expand or increase. Balance and a sense of order are found in the color green. Change and transformation is necessary for growth, and so this ability to sustain changes is also a part of the energy of green.


White

White means kindness. Brides wear white to symbolize innocence and purity. White reflects light and is considered a summer color. White is popular in decorating and in fashion because it is light, neutral, and goes with everything. However, white shows dirt and is therefore more difficult to keep clean than other colors.

Strictly speaking, white is not a color, but the manifestation of the presence of all color - the complete energy of light. It stands for wholeness and completion. In many cultures it represents openness and truth. White has a cold quality. It can provide clarity as its energy is complete.

Yellow

Cheerful sunny yellow is an attention getter. While it is considered an optimistic color, people lose their tempers more often in yellow rooms, and babies will cry more. It is the most difficult color for the eye to take in, so it can be overpowering if overused. Yellow enhances concentration, hence its use for legal pads. It also speeds metabolism.

Pure, bright and sunny yellow is the easiest color to see. People who are blind to other colors can usually see yellow. Yellow is full of creative and intellectual energy. Yellow symbolizes wisdom. Yellow means joy and happiness. People of high intellect favor yellow.


Brown

People who prefer brown are often conventional and orderly. The negative meaning of brown can be a repressed personality or a lazy person. Brown is the color of the earth and is associated with the material side of life.

Solid, reliable brown is the color of earth and is abundant in nature. Light brown implies genuineness while dark brown is similar to wood or leather. Brown can also be sad and wistful.

Men are more apt to say brown is one of their favorite colors. Brown is a warm neutral color that can stimulate the appetite. Brown represents wholesomeness and earthiness. While it might be considered a little on the dull side, it also represents steadfastness, simplicity, friendliness, dependability, and health.

When considering color, whether inside or outside your home, choose with meaning in mind. Your favorite color purple or pink is not the best choice for the exterior of your home, but done correctly inside a room, it can be powerful!

The Complete Home Buyers Handbook

Insider's Guide to Saving Money &
Eliminating Risks When Buying Your First Home!



Chapter 7 – Closing The Deal



Drawing up contracts, having the final walkthrough, and going to the closing are the last steps you will have to take when buying your first home. This is the time when having a real estate agent you can trust, and a little knowledge of home buying comes in handy.


But what about all of those other miscellaneous fees that will come up before and during the closing? You should be aware of additional fees when you apply for a loan and when you are closing on your new home.


Contracts


Your purchase offer was the first contract you will be involved in when you want to buy a home. You should refer to this contract during the closing period to make sure that your rights are covered and that you are getting everything you pay for.


By writing a solid purchase offer that outlines what you want from the homeowners, you will be protected in case of disagreements and other issues before closing. But a purchase offer is just one of many pieces of paper you will have to see and sign before you can move into your home. Other contracts include:


  • Contingencies
  • Builder contracts
  • Mortgage contracts, and
  • Closing agreements


These contracts may vary in length depending on the forms being used and the information that will have to be included.


Contingencies


Real estate contingencies can be added onto an existing contract or can be created as a separate contract depending on what you would like to include in the purchase offer. Contingencies can include a wide range of items, including:



  • Home inspections and pest inspections
  • Home appraisals
  • Financing
  • Septic system tests
  • Appliances that will stay in the home, and
  • Property surveys


Contingencies can make or break a sale, so you should be sure to use the correct forms when filing contingencies and to word them correctly.


You will need to include a resolution for repairs that may need to be done before you can move into the home. If it is agreed upon in writing that the homeowners will take care of all or some repairs that may be found during a home inspection, this will save time later on.


You should also include ways to get out of the deal that include loan denial, repairs that cannot be fixed, and lead, mold, or radon that is found in the home. Having a way out of the contract will save you money and time.


If you are buying a home that is for sale by owner, you should find an attorney or real estate agent that is willing to help you create a contingency list and edit it where necessary. Do not rely on the seller’s agent because they are after their client’s best interests and not yours.


Builder Contracts


If you are buying a new home from a builder, you will have to sign a builder’s contract that states you have the financial means to pay for a new home, that you have decided on a location for your new home, and that you are ready to build.


You should hire an attorney at this point to go over the contract to see if there are any problems that will have to be ironed out before you begin building the home.


Mortgage Contracts


In order to complete your home buying, you will have to be approved for a mortgage by a lender and you will have to sign a contract in which you agree to an interest rate, monthly payment schedule, rate plan, down payment, and other fees.


These contracts are standard loan contracts that will explain the consequences of not paying your mortgage. You should read this paperwork carefully before signing anything.


Closing Agreements


These are the final contracts you will have to sign before you get the keys to your new home. You should read this paperwork carefully and be prepared to pay any closing costs at this time.


Home Warranties


If you are buying an older home, you may want to purchase a home warranty that will cover repairs that will have to be made during your first year of ownership.



While a home inspection will catch any immediate repairs, no one can foresee an oven falling apart or a dryer burning out. Since you may not have a lot of extra money left over after paying for closing costs, down payment, and mortgage payments, having extra insurance will allow you to make the repairs you will need.


Most policies will cost between three-hundred and five-hundred dollars. Coverage will begin the day of your closing and will last for a year. You will have the option of renewing the policy if you would like at that time. If you need to have an appliance repaired, you may have to pay small co-pay at the time of the repair.


Not all policies are the same, so you should do your research to find the best deal. Compare the types of repairs that are covered under the policies and choose the one that fits your home.


Closing


When you finally arrive at the closing, you should expect to:


  • Sign contracts
  • Do a final walkthrough
  • Pay closing costs, and
  • Get your keys

 The closing can take an hour or two, but usually moves quickly because there is little left to do. At the closing you will probably meet the homeowners. This could be the first time you will meet them.  This is a good time to ask if there is anything about the home you will need to know.


Sign Contracts


When you sign the contracts, read them carefully to make sure that everything that has been discussed is in the contract. Ask questions that you may have at this time.


Final Walk Through


The final walkthrough of the home will take place before or during the closing. This is the final chance for you to see the home before it becomes yours. Make sure the items on your contingency are in place so that you can sign the contracts.


Paying Closing Costs


Typically, the buyer will have to pay the closing costs associated with buying a home. But in a buyer’s market, you may be able to add a contingency that states the seller will be responsible for all costs. This may appeal to sellers who want to sell their home quickly.


When deciding who should pay the closing costs, you should research laws that may be in place that dictate who pays for what. Many times, buyers and sellers will agree to split all costs including closing, home inspection, pest inspection, and home appraisal costs. You will have to negotiate with the sellers to see which you will be responsible for.


Get Your Keys


After signing the contracts, you will receive the keys to your new home. This is an exciting feeling and one that will be with you for a long time!



Congratulations! You now have The Complete Home Buyers Handbook!

Now you know what to expect in purchasing a home...
why not call a Realtor!



Call or Text: 405-820-1740