ISSUE #1173

FEATURE REPORT

How To Reduce Crime In Your Neighborhood

While we don't like to talk about it - or even think about it - crime is on the increase in North America, and throughout the world. The number of burglars, muggers, auto thieves, robbers, purse snatchers, etc., is growing at an alarming rate.
Now you, as a resident, working with neighbors can help reduce the crime rate.

For the complete story, click here...

Also This Month...

11 Things You Must Know When Finding a Home

Once you've decided to buy a home, there's a number of issues that need to be considered. Because buying a home will be one of the biggest purchases you make in your life, learning the "11 Things You Must Know When Finding a Home" can make the process easier.

More...

Tips on Selecting a Contractor For Home Improvement

Home repairs can cost thousands of dollars and are the subject of frequent complaints. Here is a list of things to consider when selecting a contractor.

More...

Quick Links

How To Reduce Crime In Your Neighborhood

11 Things You Must Know When Finding a Home

Tips on Selecting a Contractor For Home Improvement

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How To Reduce Crime In Your Neighborhood

While we don't like to talk about it - or even think about it - crime is on the increase in North America, and throughout the world. The number of burglars, muggers, auto thieves, robbers, purse snatchers, etc., is growing at an alarming rate. Now you, as a resident, working with neighbors can help reduce the crime rate.

How? By organizing and/or joining a neighborhood program in which you and your neighbors get together to learn how to protect yourselves, your family, your home and your property. Working together, you can get the criminals off your block and out of your area.

There's safety in numbers and power through working with a group. You'll get to know your neighbors better, and working with them you can reduce crime, develop a more united community, provide an avenue of communications between police and citizens, establish on-going crime prevention techniques in your neighborhood, and renew citizen interest in community activity.

"Citizens Safety Projects" are set up to help you do this. It is a joint effort between private citizens and local police. Such programs have been started all over. Maybe one already exists in your community.

These organizations don't require frequent meetings (once a month or so). They don't ask anyone to take personal risks to prevent crime. They leave the responsibility for catching criminals where it belongs - with the police. This is NOT a "vigilante" group.

These groups gather citizens together to learn crime prevention from local authorities. You cooperate with your neighbors to report suspicious activities in the neighborhood, to keep an eye on homes when the resident is away, and to keep everyone in the area mindful of the standard precautions for property and self that should always be taken. Criminals avoid neighborhoods where such groups exist.

Through cooperation with local law enforcement agencies, some of the things you will learn - and all free - are:

What to do in an emergency.

How to best identify a suspicious person.

How to identify a vehicle being used in a suspected criminal activity.

Signs to watch out for before entering a house or apartment that may be in the process of being burglarized.

What to do in case of injury.

What to do about suspicious people loitering on your street.

How to identify stolen merchandise.

How to recognize auto theft in progress.

How to protect your house or apartment.

How to recognize a burglary in progress.

How to protect yourself and family - and much more.

It's easy to get your group started. All you have to do is contact your neighbors and arrange a date, place and time for the first meeting. Hold the meetings at your home or that of a neighbor. Try to plan a time that is convenient to most of your neighbors - preferably in the evening.

Then call your local police department. They will be happy to give your group informal lectures, free literature - and in many instances, window stickers and ID cards. Remember, police officers can't be everywhere. Your cooperation with them is for the benefit of you, your family, your neighbors and your neighborhood.

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11 Things You Must Know When Finding a Home

In this report, we outline 11 Questions and Answers to help you make informed choices when purchasing a home.

1. What Should I Look For When Deciding On A Community?

Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community? When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in.

2. How Can I Find Out About Local Schools?

You can get information about school systems by contacting the city or local school board or the local schools. Your real estate agent may also be knowledgeable about schools in the area.

3. How Can I Find Out About Community Resources?

Contact the local chamber of commerce for promotional literature or talk to your real estate agent about welcome kits, maps, and other information. You may also want to visit the local library. It can be an excellent source for information on local events and resources, and the librarians will probably be able to answer many of the questions you have.

4. How Can I Find Out How Much Homes Are Selling For In Certain Communities and Neighborhoods?

Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are working with a REALTOR®, they may have access to comparable sales maintained on a database.

5. How Can I Find Information On The Property Tax Liability?

The total amount of the previous year's property taxes is usually included in the listing information. If it's not, ask the seller for a tax receipt or contact the local assessor's office. Tax rates can change from year to year, so these figures maybe approximate.

6. What Other Tax Issues Should I Take Into Consideration?

Keep in mind that your mortgage interest and real estate taxes will be deductible (USA residents). A qualified real estate professional can give you more details on other tax benefits and liabilities.

7. Is An Older Home A Better Value Than A New One?

There isn't a definitive answer to this question. You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn't mind maintaining their home and making some repairs. Newer homes tend to use more modern architecture and systems, are usually easier to maintain, and may be more energy-efficient. People who buy new homes often don't want to worry initially about upkeep and repairs.

8. What Should I Look For When Walking Through A Home?

In addition to comparing the home to your minimum requirement and wish lists, consider the following:

Is there enough room for both the present and the future?

Are there enough bedrooms and bathrooms?

Is the house structurally sound?

Do the mechanical systems and appliances work?

Is the yard big enough?

Do you like the floor plan?

Will your furniture fit in the space? Is there enough storage space? (Bring a tape measure to better answer these questions)

Does anything need to be repaired or replaced? Will the seller repair or replace the items?

Imagine the house in good weather and bad, and in each season. Will you be happy with it year 'round?

Take your time and think carefully about each house you see. Ask your real estate agent to point out the pros and cons of each home from a professional standpoint.

9. What Questions Should I Ask When Looking At Homes?

Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality of life issues. Be sure the seller's or real estate agent's answers are clear and complete. Ask questions until you understand all of the information they've given. Making a list of questions ahead of time will help you organize your thoughts and arrange all of the information you receive.

10. How Can I Keep Track Of All The Homes I See?

If possible, take photographs of each house: the outside, the major rooms, the yard, and extra features that you like or ones you see as potential problems. And don't hesitate to return for a second look. You may also wish to find out if the home is available online. Photos of the property may already be up on a website for you to review.

11. How Many Homes Should I Consider Before Choosing One?

There isn't a set number of houses you should see before you decide. Visit as many as it takes to find the one you want. On average, homebuyers see 15 houses before choosing one. Just be sure to communicate often with your real estate agent about everything you're looking for. It will help avoid wasting your time.

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Tips on Selecting a Contractor For Home Improvement

Home repairs can cost thousands of dollars and are the subject of frequent complaints. Here is a list of things to consider when selecting a contractor:

Get recommendations and references. Talk to friends, family and other people for whom the contractor has done similar work.

Get at least three written estimates from contractors who have come to your home to evaluate what needs to be done. Be sure the estimates are based on the same work so that you can make meaningful comparisons.

Make sure the contractor meets licensing and registration requirements with your local consumer agency. Some areas require licensees to pass tests for competency and scrutinize licensees for financial solvency. They may also have a fund to cover some financial losses that result from problems with licensed contractors.

Check to see if local laws limit the amount by which the final bill can exceed the estimate, unless you have approved the increase.

Check contractor complaint records with the Better Business Bureau or similar agency.

Get the names of suppliers and ask if the contractor makes timely payments.

Contact your local building inspection department to check for permit and inspection requirements. Be wary if the contractor asks you to get the permit. It could mean the firm is not licensed.

Be sure your contractor has the required personal liability, property damage and worker's compensation insurance for his/her workers and subcontractors. Also check with your insurance company to find out if you are covered for any injury or damage that might occur.

Insist on a complete written contract. Know exactly what work will be done, the quality of materials that will be used, warranties, timetables, the names of any subcontractors, the total price of the job, and the schedule of payments.

Try to limit your down payment. Local law may specify that only a certain percentage of the total cost may be made as a down payment.

Understand your payment options. Compare the cost of getting your own loan versus contractor financing.

Don't make final payment or sign an affidavit of final release until you are satisfied with the work and know that subcontractors and suppliers have been paid. Local lien laws may allow unpaid subcontractors and/or unpaid suppliers to attach your home.

Pay by credit card when you can. This may allow you the right to withhold payment to the credit card company until problems are corrected.

Be especially cautious if the contractor:

comes door-to-door or seeks you out;
just happens to have material left over from a recent job;
tells you your job will be a "demonstration";
offers you discounts for finding other customers;
quotes a price that's out of line with other estimates;
pressures you for an immediate decision;
offers exceptionally long guarantees;
can only be reached by leaving messages with an answering service;
drives an unmarked van or has out-of-area plates on his/her vehicles; or
asks you to pay for the entire job up front.

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In This Issue:

Why Homes Sit On The Market And How To Keep Yours Moving — Diagnose the real reasons listings stall and relaunch with smart fixes in pricing, presentation, timing, and marketing.
Understanding the Real Estate Transaction From Start to Finish — A clear, step-by-step walkthrough from offer to closing so you know what to expect and how to stay on track.
Essential Tips For Buying In a Competitive Market — Act fast, structure stronger offers, and compete smartly without overpaying—even in bidding wars.

Why Homes Sit On The Market And How To Keep Yours Moving

Summary

A home that sits too long on the market becomes harder to sell—but most delays can be traced back to a few fixable issues. This report reveals the top reasons homes don’t sell quickly and outlines the proven tactics to get buyers through the door. From pricing and presentation to timing and marketing, learn how to diagnose the problem and relaunch with success

It’s a seller’s worst fear: you list your home, expecting offers—and then nothing. No showings, no offers, and no clue what went wrong. The longer your listing lingers, the harder it becomes to attract buyers. But don’t panic. Most stalled sales can be turned around with the right strategy. Here’s how to find out what’s holding you back—and how to fix it.

Why Homes Sit On The Market And How To Keep Yours Moving

Top Reasons Homes Sit on the Market

Overpricing
This is the #1 reason homes don’t sell. If buyers think your home is overpriced—even slightly—they won’t bother to tour it. Online search filters and price comparisons make overpricing easy to spot. Fix: Reevaluate your price based on comps, showing feedback, and agent advice.
Poor Listing Photos
Your online listing is your first impression—and bad photos can kill buyer interest instantly. Dim lighting, cluttered rooms, or vertical phone photos won’t cut it. Fix: Hire a professional photographer and consider a 3D tour or video walkthrough.
Lack of Curb Appeal
Buyers form opinions before they step inside. If the lawn is overgrown, the paint is chipped, or the entryway feels neglected, you’ve lost momentum before the showing begins. Fix: Tidy up landscaping, repaint the front door, and power wash the exterior.
Limited Showing Availability
If buyers can’t get in, they won’t buy. Homes with restricted showing hours or last-minute cancellations deter busy agents and motivated buyers. Fix: Make your home easy to show—consider a lockbox and stay flexible with your schedule.
Weak or No Marketing
Just listing on the MLS isn’t enough. Without strategic marketing, many buyers won’t even know your home exists. Fix: Work with an agent who uses digital advertising, social media promotion, targeted outreach, and staging to make your home shine.
Unusual Layout or Condition
Homes with quirky floor plans or outdated features can be harder to sell. Fix: Highlight unique positives, offer design suggestions, or consider minor updates (lighting, paint, flooring) to boost appeal.
Negative Buyer Feedback Ignored
If multiple buyers or agents provide the same feedback—listen. Whether it’s a pet smell, a dark room, or an awkward space, ignoring buyer concerns can cost you time and money. Fix: Act on consistent feedback quickly to remove objections.

How to Relaunch or Refresh Your Listing

If your home has already been on the market for several weeks or months:

Take the listing temporarily off-market and relaunch with changes
Adjust the price to realign with buyer expectations
Refresh the photos, description, and staging
Promote the listing as “Back on Market” with a strong marketing push

Work With a Proactive Agent
Your agent should provide regular updates, showing reports, and a plan to address obstacles. If they’re slow to act or dismiss your concerns, it may be time to reevaluate your partnership.

Conclusion:
Homes don’t just sit without reason. With the right diagnosis and a smart refresh, you can reignite buyer interest and get your home sold. Don’t settle for a stagnant listing—make the changes that matter and take control of your sale.

Understanding the Real Estate Transaction From Start to Finish

Summary

Real estate transactions can feel overwhelming—but they don’t have to be. Whether you’re buying or selling, understanding the full process from offer to closing puts you in control. This guide breaks down each stage of the transaction in simple terms so you know what to expect, what’s expected of you, and how to stay on track. Confidence starts with clarity—get it here.

The real estate transaction is more than just signing a few papers—it’s a coordinated series of steps involving multiple people, documents, and deadlines. Understanding how it all works can help you make informed decisions and avoid costly mistakes. Here’s how a typical transaction unfolds from beginning to end.

Understanding the Real Estate Transaction From Start to Finish

The Pre-Listing or Pre-Buying Phase

Making (or Receiving) an Offer

Offer Accepted – Escrow Begins

Once the offer is accepted and both parties sign, the home goes into escrow (or under contract). This period is when inspections, appraisals, and title work happen.

Inspections and Negotiations

Appraisal
If the buyer is using a mortgage, the lender orders an appraisal to ensure the home’s value supports the loan. If it appraises low, price negotiations may follow.

Title Search and Insurance
A title company or attorney checks for liens or legal issues and ensures the property can legally change hands. Title insurance protects both buyer and lender.

Final Loan Approval (Buyers Only)
After inspections and appraisal, the lender finalizes loan underwriting. The buyer receives a Closing Disclosure outlining final costs.

Final Walkthrough
Usually 24–48 hours before closing, the buyer walks through the home to confirm it’s in agreed-upon condition and repairs (if any) are complete.

Closing Day
Both parties sign legal documents:
- Deed transfer
- Mortgage papers (buyer)
- Settlement statement
- Title/escrow closing documents
Funds are transferred, keys are handed over, and the transaction is officially closed.

After Closing

Common Roles in a Transaction

Real Estate Agent Guides you through the process and negotiates terms
Lender Provides financing
Title Company / Lawyer Manages legal documentation and money transfers
Inspector Evaluates home condition
Appraiser Assesses property value

Whether you’re buying or selling, real estate doesn’t have to be confusing. By understanding each step in the process, you’ll be able to ask the right questions, meet important deadlines, and reduce your stress along the way. A good agent will help—but knowledge is power. And now, you’ve got it.

Essential Tips For Buying In a Competitive Market

Summary

In today’s fast-paced real estate market, competition is fierce, but with the right strategy, you can still come out ahead. This guide gives you the tools to act quickly, structure strong offers, and stay grounded through bidding wars. From pre-approval to escalation clauses, you’ll learn exactly how to compete smartly and avoid overpaying. Perfect for buyers navigating high-demand neighborhoods or tight inventory.

In a hot housing market, homes can sell within days, or even hours. Bidding wars, multiple offers, and low inventory make it tough for buyers to compete. But with the right strategy and preparation, you can still win. This guide outlines essential tips that will help you navigate a competitive market, craft a winning offer, and land the home you love, without overpaying or getting discouraged.

1. Get Pre-Approved, Not Just Pre-Qualified

In a fast-moving market, you need to act fast. Sellers won’t wait for financing uncertainty. A mortgage pre-approval shows you’re serious, qualified, and ready to close. It can give you a major edge over buyers who haven’t secured their financing yet. Make sure your pre-approval letter is updated and includes the lender’s contact info for quick verification.

2. Understand the Market Before You Shop

Know what you’re walking into. Research recent sales, price trends, and how quickly homes are selling in your target area. Are homes selling above asking? Are there frequent bidding wars? Your agent can provide local insights that help you form a realistic strategy and avoid overbidding out of panic.

3. Work With a Responsive, Experienced Agent

Speed matters. A strong buyer’s agent will send you listings quickly, book showings fast, and help you write clean, compelling offers on short notice. Choose someone who knows the local market and has a track record of helping clients succeed in competitive environments.

4. Prioritize Your Must-Haves and Dealbreakers

You may not get everything on your wish list. Make a clear distinction between “must-haves” and “nice-to-haves.” Being flexible on finishes or non-essentials can open up more opportunities and give you room to compete where it matters most.

5. Be Ready to Tour and Offer Quickly

In fast markets, homes can receive offers the same day they’re listed. If you see something you love, don’t wait. Block time in your schedule for short-notice showings, and be prepared to make a decision quickly. Have your agent help you evaluate the home and craft an offer that same day, if necessary.

6. Write a Strong, Clean Offer

Avoid unnecessary contingencies. The fewer conditions your offer has, the more appealing it is to the seller. Include a high earnest deposit to show you’re committed. If possible, match or exceed the asking price and offer flexible terms (like a rent-back or quick close) if that’s important to the seller.

7. Consider an Escalation Clause (Use With Caution)

An escalation clause automatically raises your offer in response to competing bids, up to a maximum amount. It helps you stay competitive without blindly bidding high. But be cautious—this reveals your price ceiling and may invite counteroffers. Use only in collaboration with an experienced agent.

8. Write a Personal Letter to the Seller (Optional)

While not always appropriate or effective, a heartfelt letter can sometimes sway a seller, especially if they have emotional ties to the home. Share what you love about the property and how you envision your future there. Keep it brief, respectful, and positive.

9. Stay Calm in Bidding Wars

If a home attracts multiple offers, emotions can run high. Decide your top price ahead of time and stick to it. Don’t escalate beyond your budget just to “win.” There will always be another opportunity, and smart buyers know when to walk away.

10. Be Mentally Ready for Rejection

In tight markets, you may lose out on one or more homes before you succeed. Don’t let frustration cloud your judgment or push you to overpay. Stay committed to your goals, adjust your strategy if needed, and trust the process. Many buyers eventually land an even better home than the one they lost.

11. Expand Your Search Criteria

If you’re consistently outbid, consider widening your search radius or rethinking some of your must-haves. Sometimes moving just 5–10 miles outside your preferred neighborhood can reveal more affordable options with less competition.

12. Get Your Financials in Order

Make sure your funds for the down payment and closing costs are easily accessible. Avoid major financial changes, like switching jobs or taking on new debt, during the homebuying process. Your lender will re-check your financials before closing and keep things stable.

Buying in a competitive market isn’t easy, but it is doable with the right strategy, preparation, and mindset. The most successful buyers are informed, responsive, and ready to act fast. Use these tips to stay ahead of the competition, avoid costly mistakes, and secure your next home with confidence.