Tuesday, February 05, 2013
2012-13 Cost vs. Value: Make the First Impression Count
2012-13 Cost vs. Value: Make the First Impression Count
The Top Ten Mid-Range Projects and The Top Ten Upscale Projects
Friday, June 01, 2012
Friday, March 23, 2012
10 Easy Mistakes Home Owners Make on Their Taxes
Don’t rouse the IRS or pay more taxes than necessary — know the score on each home tax deduction and credit. Read
6 Home Deduction Traps and How to Avoid Them
Get an “A” on your Schedule A Form: Dodge these tax deduction pitfalls to save time, money, and an IRS investigation. Read
How to Deduct Your Mortgage Interest & Equity Loan Costs
Deducting mortgage interest, as well as interest on home equity loans and HELOCs, can save money on taxes. Read
Wednesday, March 21, 2012
Tuesday, July 26, 2011
6 Cities That Boast the ‘Best Value’
Daily Real Estate News | Tuesday, July 26, 2011
Which cities offer the best value? Kiplinger’s Personal Finance magazine recently ranked metro areas by best “value,” factoring in low cost of living, strong economies, and personal amenities.
The following are the six metro areas that topped its list, including each city’s unemployment rate, median household income, and cost-of-living index (the index is based on the national average of 100; cities with a score below 100 have a lower cost-of-living). To see the other factors that weighed Kiplinger’s decisions for the top 6 and to view the full list, visit the Kiplinger Web site.
1. Omaha, Neb.
Unemployment rate: 4.6%
Cost-of-living index: 90.3
Median household income: $53,457
2. Charlotte, N.C.
Unemployment rate: 10.4%
Cost of living index: 93
Median household income: $53,168
3. Nashville, Tenn.
Unemployment rate: 8.5%
Cost of living index: 90.7
Median household income: $51,352
4. Colorado Springs, Colo.
Unemployment rate: 9.3%
Cost-of-living index: 92.0
Median household income: $56,576
5. Knoxville, Tenn.
Unemployment rate: 7.7%
Cost-of-living index: 89.7
Median household income: $45,727
6. Lexington, Ky.
Unemployment rate: 7.8%
Cost-of-living index: 89.1
Median household income: $48,158
View Kiplinger’s complete top 10 list.
Source: “10 Best Value Cities for 2011,” Kiplinger’s Personal Finance (July 2011)
Which cities offer the best value? Kiplinger’s Personal Finance magazine recently ranked metro areas by best “value,” factoring in low cost of living, strong economies, and personal amenities.
The following are the six metro areas that topped its list, including each city’s unemployment rate, median household income, and cost-of-living index (the index is based on the national average of 100; cities with a score below 100 have a lower cost-of-living). To see the other factors that weighed Kiplinger’s decisions for the top 6 and to view the full list, visit the Kiplinger Web site.
1. Omaha, Neb.
Unemployment rate: 4.6%
Cost-of-living index: 90.3
Median household income: $53,457
2. Charlotte, N.C.
Unemployment rate: 10.4%
Cost of living index: 93
Median household income: $53,168
3. Nashville, Tenn.
Unemployment rate: 8.5%
Cost of living index: 90.7
Median household income: $51,352
4. Colorado Springs, Colo.
Unemployment rate: 9.3%
Cost-of-living index: 92.0
Median household income: $56,576
5. Knoxville, Tenn.
Unemployment rate: 7.7%
Cost-of-living index: 89.7
Median household income: $45,727
6. Lexington, Ky.
Unemployment rate: 7.8%
Cost-of-living index: 89.1
Median household income: $48,158
View Kiplinger’s complete top 10 list.
Source: “10 Best Value Cities for 2011,” Kiplinger’s Personal Finance (July 2011)
Thursday, March 03, 2011
Sunday, October 31, 2010
Monday, October 25, 2010
Sunday, October 24, 2010
Open House
OPEN HOUSE, SAT., 10/30/10 *******FROM 11AM TO 1PM********
Impeccable, move-in condition, 3 bedroom, 2 bath Village ranch with attached garage built in 2001 awaits new owners. Large (approx. 32 x 15), private 2 tier deck backs to woods with one section reinforced to hold a hot tub. Loads of storage, 5 ceiling fans, slate sidewalk, new washer, dryer, (09) ceramic top stove, (10), 2 heating zones and much, much more. A must see! MLS# 131752 $204,000. Call Diane for a private showing 280-6664.
Directions:
From Ithaca, take 96N to Trumansburg; turn right on Union St (just before Tompkins Trust Company); continue onto Cayuga St; left at Prospect St; house on right, after last duplex.
Wednesday, September 01, 2010
Monday, August 30, 2010
Exceptional Value in a County Setting
Energy efficient, 4 bedroom, 2 bath ranch with over 2100 sq. ft. on 1.37 acres of landscaped land with fruit trees, flower gardens & grapevines features a 7K solar system that supplements electricity use. Check out the avg. monthly utilities. Heater vents & windows have been sealed by the TCAction Energy team. A new high efficiency furnace, soapstone woodstove and new gas insert for the fireplace also help reduce energy costs. Approx. 2 yrs worth of well seasoned wood included. This home also has a 2 car garage (32 x24) with dual electric garage doors, a garden shed, front & rear porches, brand new kitchen appliances and a new hot water heater! A must see. Call Diane for a private showing at 280-6664.
Monday, August 16, 2010
Rural Home Buyer Program
New York REALTORS applaud restoration of rural homebuyer program
In late July, the single-family rural housing program that guarantees loans for qualified rural buyers was restored as part of the Supplemental Appropriations Act signed into law by President Barack Obama. In danger of shutting down due to a lack of funding, the program will continue to help rural families achieve the American dream of homeownership.
REALTORS who do business in New York's rural areas say the program is helpful to many families who struggle to come up with a down payment or to pay private mortgage insurance.
In late July, the single-family rural housing program that guarantees loans for qualified rural buyers was restored as part of the Supplemental Appropriations Act signed into law by President Barack Obama. In danger of shutting down due to a lack of funding, the program will continue to help rural families achieve the American dream of homeownership.
REALTORS who do business in New York's rural areas say the program is helpful to many families who struggle to come up with a down payment or to pay private mortgage insurance.
Saturday, August 14, 2010
Thursday, June 24, 2010
Thursday, June 17, 2010
News Flash from Inman News
Senate OKs new tax credit closing deadline
The Senate has amended a bill to give homebuyers who were under contract on a home purchase by April 30 an additional three months to close the deal and claim the federal homebuyer tax credit.
Extending the deadline for closing from June 30 to Sept. 30 would allow lenders more time to clear a backlog of 180,000 homebuyers nationwide, said amendment sponsor Sen. Harry Reid, D-Nev. Read full story here.http://www.inman.com/news/2010/06/16/senate-oks-new-tax-credit-closing-deadline
The Senate has amended a bill to give homebuyers who were under contract on a home purchase by April 30 an additional three months to close the deal and claim the federal homebuyer tax credit.
Extending the deadline for closing from June 30 to Sept. 30 would allow lenders more time to clear a backlog of 180,000 homebuyers nationwide, said amendment sponsor Sen. Harry Reid, D-Nev. Read full story here.http://www.inman.com/news/2010/06/16/senate-oks-new-tax-credit-closing-deadline
Wednesday, May 26, 2010
Friday, March 12, 2010
Top 10 Tips and Advice on Everything Real Estate
KNOXVILLE, Tenn., Mar 08, 2010 (BUSINESS WIRE) -- Buying a home for the first time can be complex. To avoid mistakes and make a smart purchase, do the homework and know what to expect. To help start the process, HGTV's FrontDoor.com identifies the top 10 important points every first-time buyer must know.
http://www.frontdoor.com/Buy/Top-10-Tips-and-Advice-on-Everything-Real-Estate/868
http://www.frontdoor.com/Buy/Top-10-Tips-and-Advice-on-Everything-Real-Estate/868
Wednesday, February 24, 2010
Go Green
-
10 Ways to Help Your Watershed
A clean and well-managed watershed doesn't just mean clean drinking water. Do your part to keep land and water clean and you could reap financial benefits too. Read
-
Plant Trees To Save Energy and Grow Value
Plant a tree to add value to your home and have a positive impact on the environment. Read
-
3 Small Steps to More Sustainable Living
Making little lifestyle changes will do a lot to enhance sustainability for the planet--and make every day Earth Day. Read
-
Green Cleaning Products for the Kitchen
Going green in the kitchen doesn't mean going broke as long as you choose the right green cleaning products for your countertops and appliances. Read
-
Start a Community Garden: Get the Community Involved
Sow a community garden to save money on produce, eat better, and build relationships with neighbors. Read
Visit houselogic.com for more articles like this.
Copyright 2010 NATIONAL ASSOCIATION OF REALTORS
Sunday, February 21, 2010
Tax Credits for Replacing Heating and Cooling Systems
Tax Credits for Replacing Heating and Cooling Systems
Article From HouseLogic.com
By: Suzanne Cosgrove
Published: September 21, 2009
Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and earn you a tax credit worth as much as $1,500.
Replacing an aging heating and cooling system can save you money over time. According to Energy Star, a federal program that promotes energy efficiency, about half of what the average household spends on energy bills goes toward heating and cooling.
Upgrading your heating, ventilation, and air conditioning (HVAC) to energy-efficient units can cut utility costs by about 20%, or $200 annually, on average. A tax credit for heating and cooling systems can make the project more affordable.
This type of home improvement doesn't come cheap. Prices vary widely based on where you live, unit specifications, and the condition of your home, but figure a high-efficiency furnace will start at around $3,500, including installation, estimates Corbett Lunsford, executive director of Chicago-based Green Dream Group. A standard furnace may cost $2,400. To help offset the price difference, the IRS allows a tax credit worth up to $1,500 on eligible HVAC systems put into service during 2009 or 2010. Consult a tax adviser.
Pay attention to efficiency ratings
To earn an Energy Star rating, furnaces must be more efficient than standard units, with annual fuel utilization efficiency ratings, or AFUE, of 85% for oil furnaces and 90% for gas furnaces. The Energy Star seal of approval alone isn't enough to garner the federal tax credit. Credit-eligible (http://www.energystar.gov/index.cfm?c=tax_credits.tx_index#c3) gas furnaces (either natural gas or propane) must have AFUE ratings of 95% or greater; oil furnaces, 90%. A boiler must have an AFUE of 90%.
Heating by burning a fuel is inherently inefficient. Simply put, high-efficiency furnaces have components that are better designed to get more heat out of the combustion process, Lunsford says. You'll need to hire an HVAC contractor to calculate the size of the equipment needed for your home. Beware bidders who take a one-size-furnace-fits-all approach. Air source heat pumps (http://energystar.custhelp.com/cgi-bin/energystar.cfg/php/enduser/std_adp.php?p_faqid=5799) and advanced main circulating fans can also qualify for the $1,500 tax credit.
Technically, a homeowner could replace either a furnace or a central air-conditioning unit and be eligible for the tax credit. Practically speaking, you probably will have to replace both for the A/C to qualify, says Enesta Jones, a spokeswoman for the U.S. Environmental Protection Agency. Most homes have split systems made up of an outdoor condenser and compressor that are connected to an indoor air handler that's part of the furnace. Split systems must have a SEER rating of at least 16 and an EER rating of at least 13. The higher the rating, the more energy efficient the unit. A package A/C system, which houses all of its components outdoors, requires lower ratings.
HVAC's value goes beyond savings
It typically takes about a decade's worth of energy savings to recoup the investment in a new HVAC system, Lunsford says, though that time frame can vary greatly depending on how much fuel prices fluctuate. Less apparent in dollar terms are increasing the comfort level in your home and lowering your household's drain on non-renewable fossil fuels. Then there's the effect on your home's value when it comes time to sell.
You're going to enhance a home's salability by moving to a more energy-efficient heating and cooling system, says Frank Lesh, president of Home Sweet Home Inspection Co. in Indian Head Park, Ill. That doesn't mean adding a $5,000 furnace will add $5,000 to the sale price. Rather, potential buyers are less likely to push for repairs or negotiate a credit if the HVAC is in good shape. Evaluate systems older than 10 years for possible replacement.
But before you do, conduct a wider energy audit (http://www.houselogic.com/articles/conduct-your-own-energy-audit/) of your home. Lunsford, also manager of consumer education for the U.S. Green Building Council's Chicago Chapter, says he rarely recommends replacing a furnace as the first step in making a home more energy efficient. Instead, start by sealing it against air leaks. Do-it-yourself caulking and weather-stripping help, as does adding insulation in the attic. Professional air sealing, which is more effective, can cost as much as $5,000 for a large house, he says. The payoff: Energy costs should go down, and you might be able to get by with a smaller HVAC system.
Getting tax credit for your upgrades
The federal energy tax credit is based on 30% of the cost of an eligible HVAC system. Installation charges count too. A $5,000 bill would max out the credit. You'll need to owe more in taxes than you're trying to claim in credits to qualify. Use IRS Form 5695. Save receipts for your records, as well as manufacturers' certification statements. If part of a new HVAC system qualifies for the credit but another part doesn't, ask the contractor to itemize the receipt.
The tax credit is aggregated for all qualifying energy upgrades-insulation, roofs, windows, and so on-so you can't claim separate $1,500 credits for each project. Only improvements to your existing primary residence count. New homes and second homes are excluded.
This article provides general information about tax laws and consequences, but is not intended to be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Readers should consult a tax professional for such advice, and are reminded that tax laws may vary by jurisdiction.
Suzanne Cosgrove, who spent nine years as an editor at the Chicago Tribune, has written for a number of business and real estate publications. She has a 90-year-old house and a long list of home-improvement projects.
Article From HouseLogic.com
By: Suzanne Cosgrove
Published: September 21, 2009
Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and earn you a tax credit worth as much as $1,500.
Replacing an aging heating and cooling system can save you money over time. According to Energy Star, a federal program that promotes energy efficiency, about half of what the average household spends on energy bills goes toward heating and cooling.
Upgrading your heating, ventilation, and air conditioning (HVAC) to energy-efficient units can cut utility costs by about 20%, or $200 annually, on average. A tax credit for heating and cooling systems can make the project more affordable.
This type of home improvement doesn't come cheap. Prices vary widely based on where you live, unit specifications, and the condition of your home, but figure a high-efficiency furnace will start at around $3,500, including installation, estimates Corbett Lunsford, executive director of Chicago-based Green Dream Group. A standard furnace may cost $2,400. To help offset the price difference, the IRS allows a tax credit worth up to $1,500 on eligible HVAC systems put into service during 2009 or 2010. Consult a tax adviser.
Pay attention to efficiency ratings
To earn an Energy Star rating, furnaces must be more efficient than standard units, with annual fuel utilization efficiency ratings, or AFUE, of 85% for oil furnaces and 90% for gas furnaces. The Energy Star seal of approval alone isn't enough to garner the federal tax credit. Credit-eligible (http://www.energystar.gov/index.cfm?c=tax_credits.tx_index#c3) gas furnaces (either natural gas or propane) must have AFUE ratings of 95% or greater; oil furnaces, 90%. A boiler must have an AFUE of 90%.
Heating by burning a fuel is inherently inefficient. Simply put, high-efficiency furnaces have components that are better designed to get more heat out of the combustion process, Lunsford says. You'll need to hire an HVAC contractor to calculate the size of the equipment needed for your home. Beware bidders who take a one-size-furnace-fits-all approach. Air source heat pumps (http://energystar.custhelp.com/cgi-bin/energystar.cfg/php/enduser/std_adp.php?p_faqid=5799) and advanced main circulating fans can also qualify for the $1,500 tax credit.
Technically, a homeowner could replace either a furnace or a central air-conditioning unit and be eligible for the tax credit. Practically speaking, you probably will have to replace both for the A/C to qualify, says Enesta Jones, a spokeswoman for the U.S. Environmental Protection Agency. Most homes have split systems made up of an outdoor condenser and compressor that are connected to an indoor air handler that's part of the furnace. Split systems must have a SEER rating of at least 16 and an EER rating of at least 13. The higher the rating, the more energy efficient the unit. A package A/C system, which houses all of its components outdoors, requires lower ratings.
HVAC's value goes beyond savings
It typically takes about a decade's worth of energy savings to recoup the investment in a new HVAC system, Lunsford says, though that time frame can vary greatly depending on how much fuel prices fluctuate. Less apparent in dollar terms are increasing the comfort level in your home and lowering your household's drain on non-renewable fossil fuels. Then there's the effect on your home's value when it comes time to sell.
You're going to enhance a home's salability by moving to a more energy-efficient heating and cooling system, says Frank Lesh, president of Home Sweet Home Inspection Co. in Indian Head Park, Ill. That doesn't mean adding a $5,000 furnace will add $5,000 to the sale price. Rather, potential buyers are less likely to push for repairs or negotiate a credit if the HVAC is in good shape. Evaluate systems older than 10 years for possible replacement.
But before you do, conduct a wider energy audit (http://www.houselogic.com/articles/conduct-your-own-energy-audit/) of your home. Lunsford, also manager of consumer education for the U.S. Green Building Council's Chicago Chapter, says he rarely recommends replacing a furnace as the first step in making a home more energy efficient. Instead, start by sealing it against air leaks. Do-it-yourself caulking and weather-stripping help, as does adding insulation in the attic. Professional air sealing, which is more effective, can cost as much as $5,000 for a large house, he says. The payoff: Energy costs should go down, and you might be able to get by with a smaller HVAC system.
Getting tax credit for your upgrades
The federal energy tax credit is based on 30% of the cost of an eligible HVAC system. Installation charges count too. A $5,000 bill would max out the credit. You'll need to owe more in taxes than you're trying to claim in credits to qualify. Use IRS Form 5695. Save receipts for your records, as well as manufacturers' certification statements. If part of a new HVAC system qualifies for the credit but another part doesn't, ask the contractor to itemize the receipt.
The tax credit is aggregated for all qualifying energy upgrades-insulation, roofs, windows, and so on-so you can't claim separate $1,500 credits for each project. Only improvements to your existing primary residence count. New homes and second homes are excluded.
This article provides general information about tax laws and consequences, but is not intended to be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Readers should consult a tax professional for such advice, and are reminded that tax laws may vary by jurisdiction.
Suzanne Cosgrove, who spent nine years as an editor at the Chicago Tribune, has written for a number of business and real estate publications. She has a 90-year-old house and a long list of home-improvement projects.
Saturday, February 20, 2010
GO GREEN
-
10 Ways to Help Your Watershed
A clean and well-managed watershed doesn't just mean clean drinking water. Do your part to keep land and water clean and you could reap financial benefits too. Read
-
Plant Trees To Save Energy and Grow Value
Plant a tree to add value to your home and have a positive impact on the environment. Read
-
3 Small Steps to More Sustainable Living
Making little lifestyle changes will do a lot to enhance sustainability for the planet--and make every day Earth Day. Read
-
Green Cleaning Products for the Kitchen
Going green in the kitchen doesn't mean going broke as long as you choose the right green cleaning products for your countertops and appliances. Read
-
Start a Community Garden: Get the Community Involved
Sow a community garden to save money on produce, eat better, and build relationships with neighbors. Read
Visit houselogic.com for more articles like this.
Copyright 2010 NATIONAL ASSOCIATION OF REALTORS
Thursday, February 18, 2010
Thursday, February 11, 2010
Tuesday, February 09, 2010
Wednesday, January 27, 2010
Tuesday, January 26, 2010
Wednesday, January 20, 2010
Friday, January 15, 2010
School Reports
You can use this site to find school reports ...
http://www.homefair.com/real-estate/school-reports/index.asp?cc=1
http://www.homefair.com/real-estate/school-reports/index.asp?cc=1
Monday, January 11, 2010
Tuesday, November 24, 2009
Thursday, September 24, 2009
Elder Cottage Available
Elder Cottage Available
Better Housing for Tompkins County anticipates having a vacancy in its Elder Cottage Lease Program and is encouraging applications from eligible older adults and their families.
Better Housing rents small, modular homes to income-eligible seniors (60 and older) who wish to have them installed temporarily next to the family home of one of their adult children or other supportive relative living in Tompkins County, outside the City of Ithaca.
The elder cottage concept enables seniors to continue living independently with the support and security offer by family living nearby. The accessibility and other design features of these one-bedroom modular ranch homes also help the resident to be able to continue aging in place should they at some point have mobility impairments.
“The program is very popular with the seniors who use it, ” explains Andrew Piliero, Property Manager at Better Housing. “It brings families closer while allowing seniors to live independently.”
Income limits apply, and sites for the Cottages must meet requirements. To view details, please visit www.betterhousingtc.org. For information on the application process, call David Stoyell at the Tompkins County Office for the Aging, 274-5492.
Better Housing for Tompkins County anticipates having a vacancy in its Elder Cottage Lease Program and is encouraging applications from eligible older adults and their families.
Better Housing rents small, modular homes to income-eligible seniors (60 and older) who wish to have them installed temporarily next to the family home of one of their adult children or other supportive relative living in Tompkins County, outside the City of Ithaca.
The elder cottage concept enables seniors to continue living independently with the support and security offer by family living nearby. The accessibility and other design features of these one-bedroom modular ranch homes also help the resident to be able to continue aging in place should they at some point have mobility impairments.
“The program is very popular with the seniors who use it, ” explains Andrew Piliero, Property Manager at Better Housing. “It brings families closer while allowing seniors to live independently.”
Income limits apply, and sites for the Cottages must meet requirements. To view details, please visit www.betterhousingtc.org. For information on the application process, call David Stoyell at the Tompkins County Office for the Aging, 274-5492.
Monday, July 06, 2009
Unique Village of Trumansburg Home
Historic (on the National Register of Historic Places ... no restrictions), all brick, 2nd Empire Victorian home located in the picturesque Finger Lakes region of NY State. Home features 4 fireplaces (2 Eastlake granite). Twelve foot ceilings and refinished wood floors throughout; double door entrance to foyer with grand view of curved front staircase, back stairway off of kitchen. Enjoy dining on the deck, slate patio or back porch. Distinguished front/side wrap-around porch. Large corner lot. Paved driveway. Third floor, walk up, attic with over 1900 square feet is ready to be finished into bedrooms, exercise area, au pair or guest suite. Renovated by current owner within the past 8 years. Some of the many upgrades include: maple, shaker cabinets in kitchen with granite counter tops, gas heating stove with granite accents & blower, dishwasher, convection oven and convection microwave, refrigerator with ice maker & water dispenser, existing baths entirely re-done, added extra full bath with whirlpool tub and separate shower (Kohlr & American Standard fixtures); new Certainteed roof, new Weil-McLain gas boiler with four zones; cemented most of the basement floor; 5 Runtal radiators added in bath, laundry & guest room; Master bedroom features, double door entrance, fireplace, bay window area, walk-in closet (The Closet Factory) and separate full bath; 2nd bedroom has slate fireplace .... Owner licensed Real Estate Agent.
Monday, May 18, 2009
Lansing Location
Lansing Location and Private. Classic Cape with beautiful gardens, location is extremely convenient. Nice four bedroom, two bath, custom kitchen, warm honey tone hardwood floors, large 14 x 26 family room leads to landscaped Rose garden & a peaceful walk thru flowering perennials. Wood stove, formal dining, office, guest room, garage/shop. Enjoy the morning on your private deck-birds, flowers. A very well maintained home priced right.
1) Master bedroom curtains-(DNC) as well as bookshelves. 2) Garden-plants with white/markers-(Do not Convey), sellers will leave a most generous portion & names/care if wanted. (gardens are over raised septic system).
DIRECTIONS/HOUSE COLOR: Rt. 13 (from Ithaca left on Warren Road) past Tompkins County Regional Airport, public safety building & Borg Warner - house on left. Color White.
Saturday, May 16, 2009
Fayette, NY
Classic early American Style 3bed, 1 bath country home on wine trail in Fayette, near Swedish Hill Winery. Fingerlakes Region. Nice large lot with mature trees. back borders Rte.336. Hardwood floors and nice eat-in kitchen. Front porch to relax. Hand pump well As-Is. Yes, needs some TLC but priced to sell. Present Offers.
Friday, May 15, 2009
Trumansburg School District
School District Vote-
May 19th, 2009-
Noon to 9:00pm at the Ulysses Historical Society
$198,000
Location and private. Classic Cape in Lansing, beautiful gardens, location is great. Nice four bedroom, two bath, custom kitchen, warm honey tone hardwood floors, large 14 x 26 family room leads to scaped Rose garden & a peaceful walk thru perennials. Wood stove, formal dining, office, guestroom, garage/shop. Enjoy the morning on your private deck-birds, flowers. A very well maintained home priced right.
1) Master bedroom curtains-(DNC) as well as bookshelves. 2) Garden-plants with white/markers-(Do not Convey), sellers will leave a most generous portion & names/care if wanted. (gardens are over raised septic system).
Wednesday, May 13, 2009
Thursday, April 23, 2009
House for Rent
This two story, furnished house is well insulated, and cozy. It has an open floor plan, oak floors throughout, and this rental sits on a golden pond over which the sun rises and beams through the woods. Queen bed, appliances, parking, washer and dryer, and walking/cross country skiing trails through large woodland area.Rent by weeks and or months until late August. Available for 2009 to 2010 school year with prorated lease. Pets allowed, Partial Utilities, Non-smoking.
Near bus route, partial utilities, non-smoking, internet & cable available.
FOR DETAILS CONTACT
RADAMES PEREZ
607-533-8651
rp256@cornell.edu
Thursday, April 09, 2009
Saturday, March 21, 2009
2009 Homebuyer Tax Credit
2009 Homebuyer Tax Credit
A $8,000 tax credit will be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not have to be repaid. Most of the details of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.
For more information visit http://www.federalhousingtaxcredit.com/
A $8,000 tax credit will be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not have to be repaid. Most of the details of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.
For more information visit http://www.federalhousingtaxcredit.com/
Wednesday, March 04, 2009
Saturday, February 28, 2009
Now Could be the Time to Buy
• Inventory is up.
• Sellers are motivated.
• Interest rates are down. Recent cuts in the prime rate by the Federal Reserve have sparked drops in interest rates, which at the end of January were below 6 percent for a 30-year fixed-rate mortgage. While banks have tightened lending requirements in the wake of increased loan defaults, homebuyers with few credit problems qualifying to purchase a home they can afford should still have little trouble securing favorable financing terms.
What’s more, a market climate like this especially favors buyers who don’t need to sell an existing property before their purchase, buyers like first-timers and those looking for a second home. This tilts the scale even more towards many buyers.
But regardless of the situation, for every buyer, the key is to work with a real estate professional that knows the local market and specializes in buyer representation – like an agent who has earned the Accredited Buyer’s Representative (ABR®) designation.
Diane McLafferty is one the members of the Real Estate Buyer’s Agent Council (REBAC) of the NATIONAL ASSOCIATION OF REALTORS®, who have attained the Accredited Buyer Representative (ABR®) designation. As the world's largest association of real estate professionals focusing specifically on representing the real estate buyer, REBAC is "The Voice for Buyer Representation,"
To receive a free copy of the REBAC-published Homebuyer’s Toolkit, visit www.REBAC.net or call 800-648-6224.
• Sellers are motivated.
• Interest rates are down. Recent cuts in the prime rate by the Federal Reserve have sparked drops in interest rates, which at the end of January were below 6 percent for a 30-year fixed-rate mortgage. While banks have tightened lending requirements in the wake of increased loan defaults, homebuyers with few credit problems qualifying to purchase a home they can afford should still have little trouble securing favorable financing terms.
What’s more, a market climate like this especially favors buyers who don’t need to sell an existing property before their purchase, buyers like first-timers and those looking for a second home. This tilts the scale even more towards many buyers.
But regardless of the situation, for every buyer, the key is to work with a real estate professional that knows the local market and specializes in buyer representation – like an agent who has earned the Accredited Buyer’s Representative (ABR®) designation.
Diane McLafferty is one the members of the Real Estate Buyer’s Agent Council (REBAC) of the NATIONAL ASSOCIATION OF REALTORS®, who have attained the Accredited Buyer Representative (ABR®) designation. As the world's largest association of real estate professionals focusing specifically on representing the real estate buyer, REBAC is "The Voice for Buyer Representation,"
To receive a free copy of the REBAC-published Homebuyer’s Toolkit, visit www.REBAC.net or call 800-648-6224.
Friday, February 27, 2009
Ithaca Housing Fair Saturday Feb.28th
Fantastic opportunity tomorrow for first time home buyers to learn everything you need to know from: buying a home, lender information, available grants, assessment information, energy information, home inspections, legal issues and what inspectors and Realtors do!
Coffee, refreshments and pizza! Everything is free!!!!! With an $8,000 Federal Tax Credit, it has never been a better time to BUY A HOME!
Check out the website http://www.ithacahousingfair.com
Location: Ithaca High School tomorrow!
Time: 10:00 am - 2:00 pm.
Date: Saturday, February 28th, 2009
Coffee, refreshments and pizza! Everything is free!!!!! With an $8,000 Federal Tax Credit, it has never been a better time to BUY A HOME!
Check out the website http://www.ithacahousingfair.com
Location: Ithaca High School tomorrow!
Time: 10:00 am - 2:00 pm.
Date: Saturday, February 28th, 2009
What other costs beside the mortgage principal & interest will I need to consider when purchasing a home?
There are many other costs that you should take into consideration when purchasing a home. You should consider the current monthy utility expenses and factor in the yearly town & county taxes as well as the home owners insurance on a montly basis.
There are many other closing costs that you should be aware of also. To continue ...
There are many other costs that you should take into consideration when purchasing a home. You should consider the current monthy utility expenses and factor in the yearly town & county taxes as well as the home owners insurance on a montly basis.
There are many other closing costs that you should be aware of also. To continue ...
Thursday, February 26, 2009
Sunday, February 22, 2009
Ithaca, NY - South Hill Trichloroethene (TCE) site
South Hill Ithaca Pollution (SHIP) Toxic Chemical Database as compiled by Timothy Weber, a computer programmer and resident.
http://ship.no-ip.org/
http://ship.no-ip.org/
Applying for a Loan?
When you apply for a loan, your lender will look at several things:* Down payment amount* How long you have been employed in your current position* Whether you have the funds on deposit for your down payment and closing costs* Your income-to-debt ratio and your credit report
Lenders nowadays place much emphasis on the credit report. Credit bureaus compile a record of debts from credit card companies, banks, department stores, and other firms. This information appears on your credit report, so it shows whether you pay your bills on time. Lenders develop credit ratings based on how well you manage this function. The higher your credit score, the more flexible lenders will be in loan approval and specific requirements.
When you meet with lenders, ask how they decide if you are a good credit risk. It is likely to be from a credit report. Lenders can order the credit report for you and discuss your score. If your credit is less than sterling, they can usually offer suggestions on how to strengthen your credit position.
Please feel free to call or email me if you have any questions or would like additional information on financing.
Diane McLaffertyAssociate Broker -GRI, eProWarren
Real Estate(607) 330-5243
diane@warrenhomes.com
www.soldonithaca.com
Lenders nowadays place much emphasis on the credit report. Credit bureaus compile a record of debts from credit card companies, banks, department stores, and other firms. This information appears on your credit report, so it shows whether you pay your bills on time. Lenders develop credit ratings based on how well you manage this function. The higher your credit score, the more flexible lenders will be in loan approval and specific requirements.
When you meet with lenders, ask how they decide if you are a good credit risk. It is likely to be from a credit report. Lenders can order the credit report for you and discuss your score. If your credit is less than sterling, they can usually offer suggestions on how to strengthen your credit position.
Please feel free to call or email me if you have any questions or would like additional information on financing.
Diane McLaffertyAssociate Broker -GRI, eProWarren
Real Estate(607) 330-5243
diane@warrenhomes.com
www.soldonithaca.com
Saturday, February 21, 2009
Trumansburg, NY Schools, Price Reduced
Make an Offer ... Estate Sale. Pride of ownership shows in this furnished single-wide with 2 bedrooms & 1 bath in the Village of Trumansburg, NY for only $7500.00.
Newer Refrigerator, Furnace/AC & Peaked Roof (05). Lot Rent is only $344.17/month.
View Virtual Tour at
http://www.realestateshows.com/330330
Newer Refrigerator, Furnace/AC & Peaked Roof (05). Lot Rent is only $344.17/month.
View Virtual Tour at
http://www.realestateshows.com/330330
Wednesday, January 28, 2009
Tuesday, September 09, 2008
Friday, August 01, 2008
Saturday, March 01, 2008
Ithaca, NY - South Hill Trichloroethene (TCE) site
South Hill Ithaca Pollution (SHIP) Toxic Chemical Database as compiled by Timothy Weber, a computer programmer and resident.
http://ship.no-ip.org/
Thursday, January 24, 2008
NAR COMMENDS FEDERAL RESERVE BOARD ON TIMELY INTEREST RATE CUT
NAR's Chief Economist Lawrence Yun says the 75-basis-point cut in the Fed funds rate to 3.50% is a very good step in the right direction to boost the economy and send a clear message to both the market and to consumers. (Source: NAR) More Information . . .
Wednesday, January 16, 2008
Governor Spitzer outlines 2008 plans in annual State of the State address
Last week Gov. Eliot Spitzer delivered his second State of the State address to the state Legislature and the people of New York. In his speech the governor outlined ambitious goals for 2008, which include expanding healthcare for children, investing further in SUNY and a $1 billion upstate economic revitalization plan. Spitzer’s real estate-related priorities include property tax reform, affordable housing and stabilizing the subprime mortgage climate. Learn more.
Wednesday, December 12, 2007
Perfect Affordable Property for Horse Lovers
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Why board when you can own this 3 bedroom, 2 bath ranch situated on 5.98 ac in a private country setting, set well back from road and is in move-in condition. This home has front & rear decks, sliding glass doors, a laundry area, computer nook and a fenced yard (front & back).
One of the many improvements to this property since Feb. is a 4 stall horse barn w/ matted 10X12 stalls, a tack rm, hay area and water & electric. Riding area (approx. 80x 120) with footing added has adjoining trails. 2+ ac pasture.
Tuesday, November 20, 2007
Free Home Valuation (CMA)
The correct selling price of a home is the highest price that the market will bear. To assist you in determining the correct asking price we provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood.To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person. Simply enter your criteria at the link listed below, and we will provide you with a speedy response. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential. There is no obligation. Please indicate when you are thinking of selling and if you are moving within Ithaca or relocating outside Ithaca. Fill out the information and submit the form at: http://www.soldonithaca.com/dml_cma.html
Thursday, November 08, 2007
MOST AFFORDABLE PLACES TO LIVE WELL
MOST AFFORDABLE PLACES TO LIVE WELL
It's possible to enjoy such amenities without the hassles. Step one? Look for more affordable spots that offer a similar or better quality of life, and where the dollar goes far. (Source: Yahoo Finance) More Information . . .
It's possible to enjoy such amenities without the hassles. Step one? Look for more affordable spots that offer a similar or better quality of life, and where the dollar goes far. (Source: Yahoo Finance) More Information . . .
Thursday, October 11, 2007
IMPROVEMENT IN MORTGAGE MARKET BODES WELL FOR HOUSING IN 2008
Conditions in the mortgage market are improving for consumers, which should help to release some pent-up demand in early 2008, according to the latest forecast by the National Association of REALTORS®. (Source: Realtor.com) More Information . . .
Friday, September 28, 2007
NEW HOMES NO LONGER SUPERSIZED
NEW HOMES NO LONGER SUPERSIZED
With the nation's housing market in a slump and the mortgage market in disarray, many home builders are putting up fewer supersize homes and offering smaller floor plans. That seems to be what buyers suddenly want in an era of high prices and tougher financing. (Source: MSN Real Estate) More Information . . .
With the nation's housing market in a slump and the mortgage market in disarray, many home builders are putting up fewer supersize homes and offering smaller floor plans. That seems to be what buyers suddenly want in an era of high prices and tougher financing. (Source: MSN Real Estate) More Information . . .
Friday, September 14, 2007
Why Rent When You Can Own this Affordable Home?
Lots of light & wood in this cozy 2 bedroom home with 2 car garage. Original one story home with two story addition offers a lot of charm. Sited well back from the road. Virtual Tour at:
http://www.8828route89.com/
http://www.8828route89.com/
Tuesday, August 21, 2007
Buy Retirement Home Now, Move in Later
Buy Retirement Home Now, Move in Later With prices in many areas at a low ebb, it may make sense to buy a retirement home now and rent it out until you're ready to move. Read more >
Thursday, July 26, 2007
EFFECTS OF MOLD ON REAL ESTATE
BANKERS' GROUP REVISITS EFFECTS OF MOLD ON REAL ESTATE
Concerns about mold and its potential effects on indoor air quality and property values appear to have taken a back seat to other real estate issues, but that doesn't mean that someone isn't thinking about. (Source: Realty Times) Full Story . . .
Concerns about mold and its potential effects on indoor air quality and property values appear to have taken a back seat to other real estate issues, but that doesn't mean that someone isn't thinking about. (Source: Realty Times) Full Story . . .
Saturday, June 02, 2007
Tighter lending standards affect April existing-home sales
Total existing-home sales, including single-family, townhomes, condominiums and co-ops fell 2.6 percent to a seasonally adjusted annual rate of 5.99 million units in April from an upwardly revised level of 6.15 million in March, and are 10.7 percent lower than the 6.71 million-unit pace in April 2006. “We’ve been anticipating slower home sales because many subprime loan products are no longer available,” said NAR Senior Economist Lawrence Yun. “In addition, increased scrutiny by lenders is stopping risky mortgage origination, which is good for both consumers and the lending community.”The national median existing-home price for all housing types was $220,900 in April, down 0.8 percent from April 2006 when the median was $222,600. Total housing inventory rose 10.4 percent at the end of April to 4.20 million existing homes available for sale, which represents an 8.4 month supply at the current sales pace, up from a 7.4 month supply in March.
Wednesday, May 23, 2007
Manufactured Homes
Manufactured Homes - Not Tin Cans on Wheels
Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.
Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.
Saturday, May 19, 2007
Complementary Home Valuation
The correct selling price of a home is the highest price that the market will bear. To assist you in determining the correct asking price we provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood.To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person. Simply enter your criteria at the link listed below, and we will provide you with a speedy response. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential. There is no obligation. Please indicate when you are thinking of selling and if you are moving within Ithaca or relocating outside Ithaca. Fill out the information and submit the form at ...http://dianemclafferty.point2agent.com/Home_Evaluation/page_163208.html
ARM LOANS
Arms, in my opinion, are suitable for a only very small slice of the borrowing public; specifically, those of very high credit quality with high net worth, who use it as a tool to manage cash flow. An option-ARM should NEVER be used simply to be able to afford a mortgage that under normal circumstances would be out of reach; that is just stupid and asking for disaster.
Thursday, May 10, 2007
Real Estate Questions or Comments ...
Got a personal real estate issue?
Post your questions and comments here ...
Post your questions and comments here ...
HOUSING FORECAST CHANGED SLIGHTLY DUE TO IMPACT FROM TIGHTER LENDING
Housing activity this year will be somewhat lower than in earlier NAR forecasts, with clearer analysis of the effects of stricter lending standards and a decline in subprime mortgage origination, according to the latest projections by the National Association of REALTORS®. (Source: NAR) Full Story . . .
Monday, April 30, 2007
FREE Comparative Market Analysis for Ithaca Sellers
The correct selling price of a home is the highest price that the market will bear. To assist you in determining the correct asking price we provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood.
To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person. Simply enter your criteria at the link listed below, and we will provide you with a speedy response. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential. There is no obligation. Please indicate when you are thinking of selling and if you are moving within Ithaca or relocating outside Ithaca.
Fill out the information and submit the form at ...
http://dianemclafferty.point2agent.com/Home_Evaluation/page_163208.html
GREEN HOME BUYERS PAY, SAVE MORE
Oh sure, home buyers who've purchased those new fangled "green" homes are pretty pleased with themselves. They dug deep to afford the extra cost of buying green, they rode the green home technology learning curve and, given the short supply of green homes, they managed to find a green house where they really want to live -- whatever it takes to help the species control its petrol habit and keep the habitat from heating up, washing out or losing other species. But what really gets green home owners tickled pick is their reduced operating costs. (Source: Realty Times)
Full Story . . .
Full Story . . .
Countrywide: Feds Might Worsen Subprime Loss
Countrywide: Feds Might Worsen Subprime Loss
Don't apply tighter standards to borrowers trying to refinance their way out of a shaky loan, says Countrywide CEO Angelo Mozilo. Read more >
Don't apply tighter standards to borrowers trying to refinance their way out of a shaky loan, says Countrywide CEO Angelo Mozilo. Read more >
Thursday, April 26, 2007
WEATHER HITS MARCH EXISTING-HOME SALES AFTER THREE MONTHLY GAINS
Unusually bad winter weather in February curtailed home shopping, slowing sales that closed in March, which may have been dampened further by a decrease in subprime lending volume, according to the National Association of REALTORS®. (Source: NAR) Full Story . . .
Friday, April 13, 2007
Cayuga Lake Front Cottage
Cayuga Lake Front Cottage ~ very well maintained.
West side of the lake in “Wine Country”. A road to the back door and to the beach as well. Cozy Granite stone fireplace, vaulted ceilings, gleaming hardwood floors, galley kitchen with wood block, Large 24 x 13 screened in porch. 13 x 12 outside deck for the BBQ and lounging. Three bedrooms, sky lights, bunk beds & stacked washer and dryer. Newer appliances. Lawn and Dock & beach. Good fishing ~ relax. MLS # 123847
West side of the lake in “Wine Country”. A road to the back door and to the beach as well. Cozy Granite stone fireplace, vaulted ceilings, gleaming hardwood floors, galley kitchen with wood block, Large 24 x 13 screened in porch. 13 x 12 outside deck for the BBQ and lounging. Three bedrooms, sky lights, bunk beds & stacked washer and dryer. Newer appliances. Lawn and Dock & beach. Good fishing ~ relax. MLS # 123847
How Much Earnest Money Is the Right Amount?
How Much Earnest Money Is the Right Amount?
In many markets, deposit money is shrinking as buyers seek 100 percent financing. Read more >
In many markets, deposit money is shrinking as buyers seek 100 percent financing. Read more >
Saturday, April 07, 2007
GREEN HOME BUYERS PAY, SAVE MORE
Oh sure, home buyers who've purchased those new fangled "green" homes are pretty pleased with themselves. They dug deep to afford the extra cost of buying green, they rode the green home technology learning curve and, given the short supply of green homes, they managed to find a green house where they really want to live -- whatever it takes to help the species control its petrol habit and keep the habitat from heating up, washing out or losing other species. But what really gets green home owners tickled pick is their reduced operating costs. (Source: Realty Times) Full Story . . .
Friday, March 23, 2007
Fastest Growing Suburbs ...
The 'Burb Rush: Fastest Growing Suburbs
People are leaving the cities and moving to where the cost of living is lower and where they perceive the quality of life is higher. That’s the trend indicated this week by the U.S. Census Bureau when it released an analysis of the fastest-growing counties in the United States. The statistics reflect the period from April 1, 2000, to July 1, 2006, a time when interest rates were historically low, housing boomed, and home prices soared, particularly in metropolitan areas.At the same time, businesses and people packed up and moved to greener pastures, many of them in the Sun Belt. Texas, Florida, and Georgia boast some of the largest growth stories. Here are the top 10 fastest-growing counties and the percentage they grew by in that six-year time span:
1. Flagler County, Fla.: 66.7 percent. On the Atlantic Coast between Jacksonville and Daytona Beach, Flagler's population has boomed from 50,000 in 2000 to more than 83,000 last year. Its seaside location, balmy weather, and access to Interstate 95 are part of the reason for its boom.
2. Kendall County, Ill.: 61.7 percent. The Chicago suburbs that lie along Interstate 88 are all growing, but Kendall County, which is farther from the city, is growing the fastest.
3. Rockwall County, Texas: 60.5 percent. Rockwall, the smallest county in Texas, grew from 43,000 in 2000 to 69,000 in 2006, as people moved farther from nearby Dallas-Fort Worth.
4. Loudoun County, Va.: 58.5 percent. Loudoun's growth is partially due to the increasingly astronomical cost of living in nearby Washington, D.C.
Read more >
People are leaving the cities and moving to where the cost of living is lower and where they perceive the quality of life is higher. That’s the trend indicated this week by the U.S. Census Bureau when it released an analysis of the fastest-growing counties in the United States. The statistics reflect the period from April 1, 2000, to July 1, 2006, a time when interest rates were historically low, housing boomed, and home prices soared, particularly in metropolitan areas.At the same time, businesses and people packed up and moved to greener pastures, many of them in the Sun Belt. Texas, Florida, and Georgia boast some of the largest growth stories. Here are the top 10 fastest-growing counties and the percentage they grew by in that six-year time span:
1. Flagler County, Fla.: 66.7 percent. On the Atlantic Coast between Jacksonville and Daytona Beach, Flagler's population has boomed from 50,000 in 2000 to more than 83,000 last year. Its seaside location, balmy weather, and access to Interstate 95 are part of the reason for its boom.
2. Kendall County, Ill.: 61.7 percent. The Chicago suburbs that lie along Interstate 88 are all growing, but Kendall County, which is farther from the city, is growing the fastest.
3. Rockwall County, Texas: 60.5 percent. Rockwall, the smallest county in Texas, grew from 43,000 in 2000 to 69,000 in 2006, as people moved farther from nearby Dallas-Fort Worth.
4. Loudoun County, Va.: 58.5 percent. Loudoun's growth is partially due to the increasingly astronomical cost of living in nearby Washington, D.C.
Read more >
Existing Homes Sales Post Gains but ...
Existing-Home Sales Post 'Surprising' GainsTotal existing-home sales rose strongly in February, reaching the highest level since last April, NAR says. Find out what's happening by region.Read more >
Friday, March 02, 2007
Existing Home Sales Rose in January
Sales of existing homes rose in January, reaching the highest level in seven months, according to NAR. Total existing-home sales--including single-family, townhomes, condominiums and co-ops--increased 3.0% to a seasonally adjusted annual rate of 6.46 million units in January from an upwardly revised pace of 6.27 million in December. Sales were 4.3% below the 6.75 million-unit level in January 2006. David Lereah, NAR's chief economist, said observers shouldn't overreact to the sales gain, or to other short-term effects. "Although we’re expecting existing-home sales to gradually rise this year, and buyers are responding to the price correction, some unusually warm weather helped boost sales in January," he said. "On the flip side, the winter storms that disrupted so much of the country in February could negatively impact the housing market." (Source: NAR) Full Story . . .
Friday, February 16, 2007
WILL GREEN ROOFS BE THE NEXT HOT TREND?
If the term "green roof" evokes an image of a few potted plants arranged tastefully on the top of a building, then the time seems ripe to rethink that definition. Green roofs may be the next hot trend to cool down the urban landscape and lower the cost of controlling temperatures in the average suburban home. Green roofs are generally categorized by one of two forms. Extensive green roofs, also known as eco-roofs or low-profile roofs, are made with a few thin layers of soil, are lightweight, relatively less expensive, and require very little maintenance. Extensive green roofs are the correct choice, the experts say, when the primary desire is for an ecological cover with limited human access. Intensive or high-profile green roofs, on the other hand, look like traditional roof gardens because a much wider variety of plant material is usually included. They have soil depths ranging from 8 to 12 inches, with growth that can extend upward of 15 feet. They can include such architectural features as waterfalls, ponds and gazebos. Their construction and maintenance is much more costly. (Source: Bankrate.com) Full Story . . .
Sunday, February 04, 2007
10 Quick Fixes To Sell a Home Faster
Daily Real Estate News January 30, 2007
10 Quick Fixes To Sell a Home Faster
Here are 10 quick fixes that make a house more likely to be snagged up by buyers, according to home stager Lori Matzke, founder and president of Centerstagehome.com in Minneapolis:
1. Paint the trim, columns, front door, and the light fixture.
2. Replace the storm door with a full-view one.
3. Clean all the window screens.
4. Add new mulch and a potted plant by the front door.
5. Remove mirrors from over the fireplace so buyers focus on the fireplace.
6. Move furniture 1 1/2 to 2 feet away from the walls to create the illusion of more space.
7. Get rid of any movable storage pieces in the kitchen and take all the clutter off the refrigerator.
8. Clean and regrout the bathroom floor tile.
9. Replace dated bathroom vanities with trendy (and economical) pedestal sinks.
10. Put colorful bedding and matching window treatments in all the bedrooms.
Source: Star-Tribune, Aimee Blanchette (01/27/07)
10 Quick Fixes To Sell a Home Faster
Here are 10 quick fixes that make a house more likely to be snagged up by buyers, according to home stager Lori Matzke, founder and president of Centerstagehome.com in Minneapolis:
1. Paint the trim, columns, front door, and the light fixture.
2. Replace the storm door with a full-view one.
3. Clean all the window screens.
4. Add new mulch and a potted plant by the front door.
5. Remove mirrors from over the fireplace so buyers focus on the fireplace.
6. Move furniture 1 1/2 to 2 feet away from the walls to create the illusion of more space.
7. Get rid of any movable storage pieces in the kitchen and take all the clutter off the refrigerator.
8. Clean and regrout the bathroom floor tile.
9. Replace dated bathroom vanities with trendy (and economical) pedestal sinks.
10. Put colorful bedding and matching window treatments in all the bedrooms.
Source: Star-Tribune, Aimee Blanchette (01/27/07)
Friday, February 02, 2007
AGING AREAS AROUND CITIES PUSH SUBURBAN RENEWAL
In recent years, newer US suburbs have flourished and big cities have lured business and residents back downtown. Caught in the middle are older suburbs, many in the Midwest where economic growth has been particularly slow. Their plight has attracted the interest of scholars and even earned them a name: inner-ring or first suburbs, as compared with the outer-ring suburbs or exurbs where developers can in many cases build from scratch. During his 12 years as mayor of Jennings, MO, a struggling suburb of 16,000 on the edge of St. Louis, Benjamin Sutphin has developed a simple philosophy for urban renewal: raze and rebuild. He's presided over the demolition of two regional shopping centers, dilapidated homes, abandoned tennis courts and a shuttered drive-in movie theater, promoting new retail, recreational and residential projects in their place. "Something had to be done," says Mr. Sutphin. (Source: RealEstateJournal.com) Full Story . . .
Friday, January 26, 2007
HOUSING GLUT GIVES BUYERS UPPER HAND
HOUSING GLUT GIVES BUYERS UPPER HAND
Amid a continuing glut of homes for sale in most of the country, buyers should have plenty of choices and lots of bargaining power in the spring selling season--typically the busiest time of the year. Many builders and real estate brokers, for their part, hope the housing market will start recovering this year as buyers respond to price cuts and other sweeteners offered by increasingly nervous sellers. In some markets, agents say, buyer traffic has picked up in the last month or two. But any recovery is likely to be gradual. Donald Tomnitz, chief executive officer of DR Horton Inc., a home builder, told investors this week that the market, which began slumping in 2005, may bottom out by mid-2007, but that "we don't see any rapid improvement thereafter."
(Source: RealEstateJournal.com)
Diane McLafferty
Associate Broker -ABR, GRI, e-Pro
www.soldonithaca.com
The future is now: Click here: E-Pro Your Internet Professional.
Warren Real Estate
830 Hanshaw Road
Ithaca, New York 14850
Office: (607) 257-0666 ext. 5243
Diret: (607) 330-5243
Fax: (607) 257-8801
Amid a continuing glut of homes for sale in most of the country, buyers should have plenty of choices and lots of bargaining power in the spring selling season--typically the busiest time of the year. Many builders and real estate brokers, for their part, hope the housing market will start recovering this year as buyers respond to price cuts and other sweeteners offered by increasingly nervous sellers. In some markets, agents say, buyer traffic has picked up in the last month or two. But any recovery is likely to be gradual. Donald Tomnitz, chief executive officer of DR Horton Inc., a home builder, told investors this week that the market, which began slumping in 2005, may bottom out by mid-2007, but that "we don't see any rapid improvement thereafter."
(Source: RealEstateJournal.com)
Diane McLafferty
Associate Broker -ABR, GRI, e-Pro
www.soldonithaca.com
The future is now: Click here: E-Pro Your Internet Professional.
Warren Real Estate
830 Hanshaw Road
Ithaca, New York 14850
Office: (607) 257-0666 ext. 5243
Diret: (607) 330-5243
Fax: (607) 257-8801
Friday, January 19, 2007
Items to Consider Before Dropping the Price
Daily Real Estate News January 19, 2007
5 Items to Consider Before Dropping the Price
When a house won’t sell, the answer is often to drop the price, but how much and when?The following are some items to consider before dropping a home's price, according to several real estate professionals, mostly based in Long Island, N.Y.:
1. Price the house right to begin with — it will get the most activity when it first goes on the market.
2. Lower the asking price sooner rather than later while it's still fresh in buyers' minds.
3. If there has been no offer in one to two months — six at the most — consider dropping the price, then re-evaluate every two to four weeks.
4. When you drop the price, lower it by enough to make the home the top house in a lower price range rather than the bottom house in a higher range.
5. The more expensive the house, the greater the decrease needs to be to attract new buyers.
Source: Newsday, Abigail W. Leonard (01/19/07)
5 Items to Consider Before Dropping the Price
When a house won’t sell, the answer is often to drop the price, but how much and when?The following are some items to consider before dropping a home's price, according to several real estate professionals, mostly based in Long Island, N.Y.:
1. Price the house right to begin with — it will get the most activity when it first goes on the market.
2. Lower the asking price sooner rather than later while it's still fresh in buyers' minds.
3. If there has been no offer in one to two months — six at the most — consider dropping the price, then re-evaluate every two to four weeks.
4. When you drop the price, lower it by enough to make the home the top house in a lower price range rather than the bottom house in a higher range.
5. The more expensive the house, the greater the decrease needs to be to attract new buyers.
Source: Newsday, Abigail W. Leonard (01/19/07)
Saturday, January 13, 2007
Gradual Rise Projected for Home Sales
Gradual Rise Projected for Home Sales
After bottoming in the fourth quarter of 2006, existing-home sales are forecast to gradually rise through 2007 and into 2008, while new-home sales should turnaround by summer, according to the latest forecast by the National Association of Realtors.
After bottoming in the fourth quarter of 2006, existing-home sales are forecast to gradually rise through 2007 and into 2008, while new-home sales should turnaround by summer, according to the latest forecast by the National Association of Realtors.
Friday, January 05, 2007
Fed's Housing Concerns Behind Rate Decision
Daily Real Estate News January 4, 2007
Fed's Housing Concerns Behind Rate Decision
Policymakers’ concern over the housing slump kept them from raising the key short-term interest rate, according to the minutes of the Federal Reserve Board's most recent meeting in December, which were released Wednesday.One Fed member, who wasn’t identified in the minutes, wanted the public statement to include a suggestion of a potential rate cut, but his wording didn’t make the final version.The Fed is expected to let the benchmark rate stand at 5.25 percent at its next meeting at the end of this month. But many analysts predict a rate cut in the coming months.
Source: Washington Post, Jeannine Aversa and Tim Paradis (01/04/07)
Diane McLafferty
Associate Broker - GRI, e-Pro
www.soldonithaca.com
The future is now: Click here: E-Pro Your Internet Professional.
Warren Real Estate
830 Hanshaw Road
Ithaca, New York 14850
Office: (607) 257-0666 ext. 5243
Cell: (607) 280-6664
Fax: (607) 257-8801
Fed's Housing Concerns Behind Rate Decision
Policymakers’ concern over the housing slump kept them from raising the key short-term interest rate, according to the minutes of the Federal Reserve Board's most recent meeting in December, which were released Wednesday.One Fed member, who wasn’t identified in the minutes, wanted the public statement to include a suggestion of a potential rate cut, but his wording didn’t make the final version.The Fed is expected to let the benchmark rate stand at 5.25 percent at its next meeting at the end of this month. But many analysts predict a rate cut in the coming months.
Source: Washington Post, Jeannine Aversa and Tim Paradis (01/04/07)
Diane McLafferty
Associate Broker - GRI, e-Pro
www.soldonithaca.com
The future is now: Click here: E-Pro Your Internet Professional.
Warren Real Estate
830 Hanshaw Road
Ithaca, New York 14850
Office: (607) 257-0666 ext. 5243
Cell: (607) 280-6664
Fax: (607) 257-8801
Tuesday, October 17, 2006
Home price correction bringing buyers back to the market
Lereah: Home price correction bringing buyers back to the market
Home sales appear to be bottoming out with lower home prices, attracting buyers in many areas of the country, according to the National Association of REALTORS.
“Many potential home buyers who have been taking a wait-and-see attitude or taking their time and being methodical in the search process are being enticed by lower home prices,” said NAR Chief Economist David Lereah.
Existing-home sales are forecast to be fairly stable in the fourth quarter and sales for all of 2006 are expected to drop 8.9 percent to 6.45 million – still the third strongest year after consecutive records in 2004 and 2005. New-home sales are forecast to fall 17.3 percent this year to 1.06 million, the fourth highest year on record.
With a recent correction in the market, the national median existing-home price is likely to rise 1.6 percent to $223,000 for all of 2006; it’s anticipated prices will remain slightly below year-ago levels before gaining positive traction in the first quarter of 2007.
Home sales appear to be bottoming out with lower home prices, attracting buyers in many areas of the country, according to the National Association of REALTORS.
“Many potential home buyers who have been taking a wait-and-see attitude or taking their time and being methodical in the search process are being enticed by lower home prices,” said NAR Chief Economist David Lereah.
Existing-home sales are forecast to be fairly stable in the fourth quarter and sales for all of 2006 are expected to drop 8.9 percent to 6.45 million – still the third strongest year after consecutive records in 2004 and 2005. New-home sales are forecast to fall 17.3 percent this year to 1.06 million, the fourth highest year on record.
With a recent correction in the market, the national median existing-home price is likely to rise 1.6 percent to $223,000 for all of 2006; it’s anticipated prices will remain slightly below year-ago levels before gaining positive traction in the first quarter of 2007.
Monday, October 16, 2006
Baby Boomer Study Shows Changing Housing Needs, Uncertain Retirement
Baby Boomer Study Shows Changing Housing Needs, Uncertain Retirement
WASHINGTON, October 16, 2006 -
Baby boomers have a wide variety of housing needs in the future, depending on their retirement plans – or lack thereof – according to a study by the National Association of Realtors®.
Most of the 78 million baby boomers are far from retirement, with diverse plans and timelines, resulting in different housing requirements and significant shifts from patterns established by earlier generations. The comprehensive study is based on a survey of nearly 2,000 American baby boomers born between 1946 and 1964 – the largest generation in U.S. history; the survey was conducted for NAR by Harris Interactive®.
David Lereah, NAR’s chief economist, said baby boomers are living longer and are different from previous generations because they have no set path for retirement and have more varied circumstances in life. “The differences from past generations – and between baby boomers themselves – will have a significant impact on housing needs over the next 10 to 20 years that is very different from the World War II generation, and many boomers simply don’t know how they’ll retire,” he said.
“A significant portion of baby boomers married later in life and had children at a later age, which means many will continue to work beyond the traditional retirement age. Older boomers are thinking about retirement, but one-third expect to go back and forth between periods of work and periods of leisure, and another 35 percent want to work at least part-time or start a business – all of this will have an impact on the kind of homes they buy as well as where they buy them.” The median age at which baby boomers expect to stop working is 70, but 27 percent say they never intend to stop working.
He said most baby boomers are currently in the workforce, a good portion of them have children living at home, and boomers remain a driving force in the housing market. “Just over a quarter of the boomer generation is aged 55 to 60, which is when many people traditionally begin to focus on their retirement plans, but analysis of the survey suggests they are more likely to stay in the workforce longer and will be less likely to downsize than previous generations – the leading edge of the boomer generation is the key to future housing impact.”
“Because they will be in the workforce longer, boomers will postpone purchase of retirement property and won’t be making those moves as early as assumed,” Lereah said.
Forty-two percent of survey respondents would like to retire in the South, 32 percent in the West, 15 percent in the Midwest and 12 percent in the Northeast. “This tells us that the Sunbelt will remain a traditional draw for retirees,” Lereah said.
Most boomers live in two-income households, with a median income in 2005 of $64,700, which is 31 percent higher than the median for all households. This generation makes up 37.5 percent of U.S. households, but receives nearly half of all aggregate household income. “This translates into a lot of purchasing power, and helps to explain why 8 out of 10 boomers are homeowners,” Lereah said.
For baby boomers earning $100,000 or more, the study shows that more than 9 in 10 are homeowners. Among middle-income boomer homeowners, home equity accounts for fully half of their net worth. Even so, 19 percent of respondents are renters, 37 percent say they have just enough to make ends meet and 17 percent say they are having financial difficulty.
A quarter of baby boomers own one or more other kinds of real estate in addition to a primary residence: 13 percent own land, 8 percent own rental property, 7 percent a vacation home or seasonally occupied property, 2 percent commercial real estate and 3 percent some other kind of real estate.
Four out of 10 respondents intend to convert their vacation home into a primary residence in retirement. Analysis by NAR shows baby boomers are proportionately more active in the second home market, owning 57 percent of all vacation/seasonal homes and 58 percent of rental property.
Ten percent of boomers indicate they plan to buy some form of real estate within the next year, which corresponds with U.S. Census Bureau data that shows 3.5 million boomer households moved during the last year. Two-thirds are considering a primary residence, but the rest are thinking about land, second homes or commercial property.
NAR President Thomas M. Stevens from Vienna, Va., said the survey shows most boomers want professional services when they buy real estate. “Baby boomers expect professional service and guidance from real estate agents, and they value those services,” said Stevens, senior vice president of NRT Inc. “When buying a home, they want agents to represent their interests in the complex transaction process, and when selling they want help to establish the right asking price. Regardless of whether they’re buying or selling, boomers want agents to explain all of the complicated contracts, forms and agreements, to manage the closing process from start to finish, and to negotiate on their behalf.”
Most survey respondents were unsure of their financial future, with three-quarters saying they are not financially prepared for retirement and many expressing anxiety about their ability to retire. Some boomers said they might withdraw retirement funds for housing or real estate expenses.
Peter Francese, an independent demographic trends analyst and founder of American Demographics magazine, consulted on the findings. “For the vast majority of baby boomers, retirement is somewhere off in the future,” he said. “Considering that boomers are healthier than their predecessors, and are more likely to work in an office setting, many of them may work five or 10 years beyond the traditional retirement age of 65,” he said.
Half of boomers who live in an urban area would like to retire in a small town or rural area. Their ideal retirement location characteristics include a lower cost of living, being near family, quality health care, better climate and being near a body of water.
More than a third of all baby boomers want to retire in an urban or suburban setting, motivated by quality health care and cultural activities. Half of boomers said they would consider living in an age-restricted community.
Given a longer tenure in the work force baby boomers may choose a larger home than earlier generations, speculates Francese. “Boomers may want or need a somewhat larger dwelling that includes one or two home offices, and a low-maintenance home on a single level would have broad appeal to this group,” Francese said.
Almost one in four boomer households have a high net worth of $500,000 or more, and this ratio is expected to increase in the future as the generation ages. Virtually all high-net-worth households are homeowners (97 percent), and 47 percent are likely to also own other real estate in addition to their primary residence. More than a third expect to help children or grandchildren with a downpayment on a home. Wealthier boomers want amenities where they retire, including cultural activities such as museums and art galleries. As a result, they are more likely to retire in an urban area or city.
Although most boomers are married couples and 27 percent have children under the age of 18, nearly two out of five baby boom households are nontraditional households, most of which are headed by women.
Non-traditional households may have different needs and desires about where they want to live. For boomers with children, neighborhood schools are of obvious concern, but for those without children, security may be a bigger issue.
Twenty percent of boomer households are headed by women, but because women aged 60 to 69 account for a quarter of homeowners in that age group, the number of women boomer homeowners is likely to increase much faster than average as they age.
Francese said there’s little doubt that the vast majority of baby boomers will delay retirement. “Some will put off retirement because they have to, but many because they want to,” he said. “Many will have a larger income stream to purchase possibly two homes, which they may use to move back and forth between their retirement life and their working life.”
“However, some caution should be exercised here regarding retirement preferences,” Francese said. “Surveys of future intentions often include a dose of wishful thinking, and attitudes can be influenced by the media and other outside pressures. For example, many are probably not going to be able to, or even want to, retire in a small rural town far from their current home, even if they may dream about it currently.”
Preliminary study results were released May 18 at NAR’s Midyear Legislative Meetings & Trade Expo, with a focus on the real estate and second-home appetite of boomers. The more extensive analysis released today is also supplemented with context and data from the Census Bureau’s mid-2006 estimates of population characteristics; it offers an abundance of information helpful for planning to Realtors®, builders, mortgage lenders and others connected to the housing industry.
The survey for the 2006 National Association of Realtors® study, BABY BOOMERS AND REAL ESTATE: Today and Tomorrow, was conducted online by Harris Interactive® between March 31 and April 6, 2006, among a nationwide cross section of 1,969 U.S. adults born between 1946 and 1964. Figures for age, sex, race, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. With 95 percent certainty, overall results have a sampling error of plus or minus 2.2 percentage points; the sampling error for various sub-sample results is higher and varies.
The study can be ordered by calling 800/874-6500, or online at: http://www.realtor.org/babyboomerstudy. The cost is $50 for NAR members and $125 for non-members.
WASHINGTON, October 16, 2006 -
Baby boomers have a wide variety of housing needs in the future, depending on their retirement plans – or lack thereof – according to a study by the National Association of Realtors®.
Most of the 78 million baby boomers are far from retirement, with diverse plans and timelines, resulting in different housing requirements and significant shifts from patterns established by earlier generations. The comprehensive study is based on a survey of nearly 2,000 American baby boomers born between 1946 and 1964 – the largest generation in U.S. history; the survey was conducted for NAR by Harris Interactive®.
David Lereah, NAR’s chief economist, said baby boomers are living longer and are different from previous generations because they have no set path for retirement and have more varied circumstances in life. “The differences from past generations – and between baby boomers themselves – will have a significant impact on housing needs over the next 10 to 20 years that is very different from the World War II generation, and many boomers simply don’t know how they’ll retire,” he said.
“A significant portion of baby boomers married later in life and had children at a later age, which means many will continue to work beyond the traditional retirement age. Older boomers are thinking about retirement, but one-third expect to go back and forth between periods of work and periods of leisure, and another 35 percent want to work at least part-time or start a business – all of this will have an impact on the kind of homes they buy as well as where they buy them.” The median age at which baby boomers expect to stop working is 70, but 27 percent say they never intend to stop working.
He said most baby boomers are currently in the workforce, a good portion of them have children living at home, and boomers remain a driving force in the housing market. “Just over a quarter of the boomer generation is aged 55 to 60, which is when many people traditionally begin to focus on their retirement plans, but analysis of the survey suggests they are more likely to stay in the workforce longer and will be less likely to downsize than previous generations – the leading edge of the boomer generation is the key to future housing impact.”
“Because they will be in the workforce longer, boomers will postpone purchase of retirement property and won’t be making those moves as early as assumed,” Lereah said.
Forty-two percent of survey respondents would like to retire in the South, 32 percent in the West, 15 percent in the Midwest and 12 percent in the Northeast. “This tells us that the Sunbelt will remain a traditional draw for retirees,” Lereah said.
Most boomers live in two-income households, with a median income in 2005 of $64,700, which is 31 percent higher than the median for all households. This generation makes up 37.5 percent of U.S. households, but receives nearly half of all aggregate household income. “This translates into a lot of purchasing power, and helps to explain why 8 out of 10 boomers are homeowners,” Lereah said.
For baby boomers earning $100,000 or more, the study shows that more than 9 in 10 are homeowners. Among middle-income boomer homeowners, home equity accounts for fully half of their net worth. Even so, 19 percent of respondents are renters, 37 percent say they have just enough to make ends meet and 17 percent say they are having financial difficulty.
A quarter of baby boomers own one or more other kinds of real estate in addition to a primary residence: 13 percent own land, 8 percent own rental property, 7 percent a vacation home or seasonally occupied property, 2 percent commercial real estate and 3 percent some other kind of real estate.
Four out of 10 respondents intend to convert their vacation home into a primary residence in retirement. Analysis by NAR shows baby boomers are proportionately more active in the second home market, owning 57 percent of all vacation/seasonal homes and 58 percent of rental property.
Ten percent of boomers indicate they plan to buy some form of real estate within the next year, which corresponds with U.S. Census Bureau data that shows 3.5 million boomer households moved during the last year. Two-thirds are considering a primary residence, but the rest are thinking about land, second homes or commercial property.
NAR President Thomas M. Stevens from Vienna, Va., said the survey shows most boomers want professional services when they buy real estate. “Baby boomers expect professional service and guidance from real estate agents, and they value those services,” said Stevens, senior vice president of NRT Inc. “When buying a home, they want agents to represent their interests in the complex transaction process, and when selling they want help to establish the right asking price. Regardless of whether they’re buying or selling, boomers want agents to explain all of the complicated contracts, forms and agreements, to manage the closing process from start to finish, and to negotiate on their behalf.”
Most survey respondents were unsure of their financial future, with three-quarters saying they are not financially prepared for retirement and many expressing anxiety about their ability to retire. Some boomers said they might withdraw retirement funds for housing or real estate expenses.
Peter Francese, an independent demographic trends analyst and founder of American Demographics magazine, consulted on the findings. “For the vast majority of baby boomers, retirement is somewhere off in the future,” he said. “Considering that boomers are healthier than their predecessors, and are more likely to work in an office setting, many of them may work five or 10 years beyond the traditional retirement age of 65,” he said.
Half of boomers who live in an urban area would like to retire in a small town or rural area. Their ideal retirement location characteristics include a lower cost of living, being near family, quality health care, better climate and being near a body of water.
More than a third of all baby boomers want to retire in an urban or suburban setting, motivated by quality health care and cultural activities. Half of boomers said they would consider living in an age-restricted community.
Given a longer tenure in the work force baby boomers may choose a larger home than earlier generations, speculates Francese. “Boomers may want or need a somewhat larger dwelling that includes one or two home offices, and a low-maintenance home on a single level would have broad appeal to this group,” Francese said.
Almost one in four boomer households have a high net worth of $500,000 or more, and this ratio is expected to increase in the future as the generation ages. Virtually all high-net-worth households are homeowners (97 percent), and 47 percent are likely to also own other real estate in addition to their primary residence. More than a third expect to help children or grandchildren with a downpayment on a home. Wealthier boomers want amenities where they retire, including cultural activities such as museums and art galleries. As a result, they are more likely to retire in an urban area or city.
Although most boomers are married couples and 27 percent have children under the age of 18, nearly two out of five baby boom households are nontraditional households, most of which are headed by women.
Non-traditional households may have different needs and desires about where they want to live. For boomers with children, neighborhood schools are of obvious concern, but for those without children, security may be a bigger issue.
Twenty percent of boomer households are headed by women, but because women aged 60 to 69 account for a quarter of homeowners in that age group, the number of women boomer homeowners is likely to increase much faster than average as they age.
Francese said there’s little doubt that the vast majority of baby boomers will delay retirement. “Some will put off retirement because they have to, but many because they want to,” he said. “Many will have a larger income stream to purchase possibly two homes, which they may use to move back and forth between their retirement life and their working life.”
“However, some caution should be exercised here regarding retirement preferences,” Francese said. “Surveys of future intentions often include a dose of wishful thinking, and attitudes can be influenced by the media and other outside pressures. For example, many are probably not going to be able to, or even want to, retire in a small rural town far from their current home, even if they may dream about it currently.”
Preliminary study results were released May 18 at NAR’s Midyear Legislative Meetings & Trade Expo, with a focus on the real estate and second-home appetite of boomers. The more extensive analysis released today is also supplemented with context and data from the Census Bureau’s mid-2006 estimates of population characteristics; it offers an abundance of information helpful for planning to Realtors®, builders, mortgage lenders and others connected to the housing industry.
The survey for the 2006 National Association of Realtors® study, BABY BOOMERS AND REAL ESTATE: Today and Tomorrow, was conducted online by Harris Interactive® between March 31 and April 6, 2006, among a nationwide cross section of 1,969 U.S. adults born between 1946 and 1964. Figures for age, sex, race, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. With 95 percent certainty, overall results have a sampling error of plus or minus 2.2 percentage points; the sampling error for various sub-sample results is higher and varies.
The study can be ordered by calling 800/874-6500, or online at: http://www.realtor.org/babyboomerstudy. The cost is $50 for NAR members and $125 for non-members.
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