Archive | July, 2013

Find the Kitty 07.05.13

July 5, 2013

2 Comments

Haven’t done this in a while. Where could she possibly be?!

FindtheKitty070113

Continue reading...

The Year of No Summer

July 1, 2013

2 Comments

Wait a minute… didn’t I name another blog post with this same title last year? And the year before, too? And the year before that?

Oh, it’s been a long decade. :S

Upstate New York has been plagued with rain. And over-development has created massive flooding problems for communities that, before, were well able to manage extremely wet weather.

Not no more.

Flooding1

Flood3

Flood1

This is a real miracle– we only got 12 inches of water this time! Photo taken after waters had subsided. In the past, we’ve had 3 feet. And we were somewhat prepared, so loss of property was minimal. It’s taken us several days to clean out the muck, however.

Basement F1

Flood2

All this was from the June 28 flood. Communities like Herkimer, Fort Plain, and others were literally, completely under water. Some folks were carried off and we’re still looking for them.

I drove by a neighbor’s the other day and found this gem.

Sinkhole1

Sinkhole2

It’s getting crazy. We’ve had over 10 inches for June. July looks to be as soggy, too. Many of us have not been able to plant our vegetable gardens, as we had a late May hard frost and then the rains came and haven’t stopped. Now that it’s July, our summer is nearly over.

It’s another year for the history books.

Continue reading...

A Buyer’s Choice Home Inspections: A Great Time to Buy a Home

July 1, 2013

Comments Off on A Buyer’s Choice Home Inspections: A Great Time to Buy a Home

After a four-year slump, the real estate market is finally showing signs of life. Formerly speculative buyers are purchasing homes in greater numbers than they have in years. The economy is improving and mortgage rates are at an all-time low. These factors have led many experts to believe that the recent buying trend will pick up steam as we head into the second half of 2013. But is it really the right time to purchase a new home?

Regardless of what the housing market forecasts indicate, you should only consider purchasing a new home if it makes sense to you financially. If you possess a stable job and plan to stay in the community for at least a few years, then buying a home may be the right choice for you. But if you’re mired in credit card debt or are currently unemployed, you’re better off waiting until your situation improves. In fact, it will be difficult to secure a loan if your credit score isn’t good.

If you’ve decided that it would be a good time for you to buy, consider the state of the housing market. Right now, mortgage rates are lower than they have been in decades. Current mortgage rates should factor into your decision heavily, as just a one percent jump could cost you tens of thousands in additional payments over the course of a 30 year mortgage. But are they expected to go significantly lower? Experts say no. And even if they’re wrong, as long as the economy keeps improving, mortgage rates will eventually rise. Many experts believe the time to lock in a low rate is now.

The price of the average home is at a ten-year low. Now, that doesn’t mean houses in your preferred neighborhood won’t go down even further. But overall, home prices are expected to rise slightly. So if you’re only planning on staying in your new home for a few years, it is unlikely that it will sell for less than what you paid for it.

It also might be an excellent time to change careers. Industries associated with real estate, such as the home inspection industry, are currently booming. For instance, in the past several years, A Buyer’s Choice Home Inspections has expanded its number of franchises at a nearly exponential rate. Now serving a significant portion of the United States and Canada, the company offers a unique opportunity for those interested in starting their own home-based business.

Home inspections are a critical aspect of the home-buying process. If you ultimately decide to purchase a home, make sure to have one conducted first. Home inspections reveal structural and mechanical flaws that could otherwise go undetected. By having one, you will be able to quickly determine what kind of shape your potential home is really in.

Make sure you hire a professional home inspector who is trained, certified and insured. All of the home inspectors from A Buyer’s Choice Home Inspections have received professional training, are aptly equipped to uncover deficiencies within a home and are required to carry insurance.

The real estate market is very volatile, and prices have been known to skyrocket overnight. Now may be the perfect time to start looking for a new home.

Continue reading...