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How to get a jumbo mortgage now | South Salem Realtor
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Daily Archives: August 30, 2012
Florida real estate market receives boost from international buyers | Bedford Corners Realtor
Case Shiller Housing Figures are Misleading: Why the Real Estate Market is Still in Trouble | Chappaqua Realtor
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Legislators Introducing New West Nile Larvicide Policy | Armonk Realtor
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France offers to pick up tab for young hires | Bedford Hills Real Estate
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Deck Sealing for fall in Katonah New York | Katonah NY Real Estate
Your deck only has a certain amount of life. Water will sit on it, and the sun will heat it up all day long for months on end. There’s only so much abuse it can take. Professional deck sealing is the smartest way to get the most life out of your deck. Sealing a deck is like using sunscreen. The sun will still get through, but the sun will do less damage to your skin if you use sunscreen. Only in the case of decks, you don’t have to seal it every time the sun comes out.
The Process
A decking professional will typically use a solution of bleach and water to remove the water damage from the wood. Water damage manifests itself by turning the decking a chalky gray color. The bleach solution will bring back the original color of the wood.From here the deck will either be pressure washed or sandblasted to remove any previous stains, sealants, residues, oils, etc. Once the wood has been stripped down and raw, then the stain and sealant can be applied. This process needs to happen every 3-5 years or as soon as you notice damage setting in on the deck.
If your deck needs to be sealed, use this link to hire some for deck sealing.
Saving Money by Sealing
Let’s say that the average deck will last 25 years, provided that it is cared for regularly. Every year that you go without treating you deck, no matter what the reason, you take time off of its life. If you move into a home that has an older deck, if you don’t take care of it, you will be replacing this deck soon.Some decks have lasted only 4 years because of improper care and not being aware of the damage accruing each season. Wood is very strong, but it needs your help to stay strong. Deck sealing might seem like a hassle every few years, but this process is much cheaper than a new deck, and much cheaper than having to replace your current one much earlier than you should have had to.
via servicemagic.com
Latest Mortgage news from Freddie Mac | Bedford NY Real Estate
MCLEAN, Va., Aug. 30, 2012 /PRNewswire/ — Freddie Mac (OTC: FMCC) today released the results of itsPrimary Mortgage Market Survey® (PMMS®), showing fixed mortgage rates pulling back and following bond yields lower after gradually moving higher over the past month.
News Facts
- 30-year fixed-rate mortgage (FRM) averaged 3.59 percent with an average 0.6 point for the week ending August 30, 2012, down from last week when it averaged 3.66 percent. Last year at this time, the 30-year FRM averaged 4.22 percent.
- 15-year FRM this week averaged 2.86 percent with an average 0.6 point, down from last week when it averaged 2.89 percent. A year ago at this time, the 15-year FRM averaged 3.39 percent.
- 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.78 percent this week with an average 0.6 point, down from last week when it averaged 2.80 percent. A year ago, the 5-year ARM averaged 2.96 percent.
- 1-year Treasury-indexed ARM averaged 2.63 percent this week with an average 0.4 point, down from last week when it averaged 2.66 percent. At this time last year, the 1-year ARM averaged 2.89 percent.
Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following links for Regional and National Mortgage Rate Details and Definitions. Borrowers may still pay closing costs which are not included in the survey.
Quotes
Attributed to Frank Nothaft, vice president and chief economist, Freddie Mac.
- “Treasury bond yields fell, allowing mortgage rates to follow, after the release of the July 31st and August 1st minutes of the Federal Reserve’s monetary policy committee. Committee members agreed that economic activity had decelerated more in recent months than they had anticipated at their last meeting in June. Some members even saw room for additional stimulus fairly soon if needed.
- “Nonetheless, the housing market continued to show improvement over the past few months. Newhome sales rose 3.6 percent in July matching May’s pace as the strongest month since April 2010. Similarly, pending existing home sales also rose in July to its highest rate since April 2010. And, the S&P/Case-Shiller® National Home Price Index rose 1.2 percent between the second quarter of 2011 and 2012, reflecting the first annual increase since the second quarter of 2010.”
Get the latest information from Freddie Mac’s Office of the Chief Economist on Twitter:@FreddieMac
Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for one in four homebuyers and is one of the largest sources of financing for multifamily housing. www.FreddieMac.com.
SOURCE Freddie Mac
For further information: MEDIA, Chad Wandler, +1-703-903-2446, Chad_Wandler@FreddieMac.com
Vimeo Announces Custom Thumbnails, Dropbox Integration For Video Sharing & Uploading | Bedford Hills Realtor
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Local Farmers Market in the Bedford New York area | Katonah NY Real Estate
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Fresh Food from Local Sources 8/30-9/5/12 | ||||||||||||||||||||
*Specials at the Farmers Markets This Week* Brooklyn Cured Purchase any two Italian tarts (Crostate) and receive a complimentary bag of biscotti or chocolate cookies ($8.00 value). Markets: Larchmont, Rye, and Tarrytown Mortgage Apple Cakes $1 off any product in the last hour of the market Markets: Ossining, Park Slope, McGolrick Park, and Morningside Park Newgate Farms Cherry Tomatoes, 2 pints for $5.00 (regularly $3.00 each) Green Peppers, $1.50/lb (regularly $2.50/lb) Italian Eggplant, $1.50/lb (regularly $2.50/lb) Place your order for a 20lb box of Roma Tomatoes for $30.00 – Great for canning or freezing Markets: Croton-on-Hudson, Larchmont, Pleasantville, and Rye | ||||||||||||||||||||
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Click on a Market to see all vendor and event details…
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| Market AnnouncementsOssining Farmers Market:Do you love the Ossining Farmers Market like we do? Do you want to help guide it to its full potential, week by week?Community Markets is looking for a volunteer to direct our Ossining Farmers Market Committee. We seek someone from the community with great ideas and new connections. If this sounds like you, contact us at 914-923-4837 to learn more! | ||||||||||||||||||||
Let’s Celebrate the Labor of Local Farmers and Food Makers
According to the definition of Labor Day by the U.S. Department of Labor, this coming Monday is “dedicated to the social and economic achievements of American workers.” For those of us seeking to build our local food system, it’s a great occasion to thank our farmers and food producers. The Bureau of Labor Statistics reports that the professions known as “Farmers, Ranchers, and Other Agricultural Managers,” are currently on the decline. They project that the number of jobs in this category will contract by 8% from 2010-2020. The diminishing number of agricultural workers seems contrary to the fact that the U.S. population is growing. We keeping having more bellies to fill. Thus the decline in agricultural jobs points to corporate consolidation, not a diminished need for the work. The organization Farm Aid, some of the first fighters on the scene to save family farms, publicizes important data on this consolidation: “As of 2007, four companies owned 83.5% of the beef market – more than double the ‘highly concentrated’ cut-off point of 40%. Similarly, the top four firms owned 66% of the hog industry and 58.5% of the broiler chicken industry. In the seed industry, four companies control 50% of the proprietary seed market and 43% of the commercial seed market worldwide. When it comes to genetically engineered (GE) crops, just one company, Monsanto, boasts control over 85% of U.S. corn acreage and 91% of U.S. soybean acreage.”But before we give up and throw in the trowel, let’s keep in mind that the local food movement is making strides. Late last year, the Department of Agriculture reported that “local food sales” amounted to a $4.8 billion dollars business in 2008. Together we are creating the alternative to corporate-controlled food.This Labor Day, let’s continue to celebrate the community-scale farms and food businesses in our region. They make our food everyday, and in doing so, they bolster our community and our environment. At our local farmers market, we can thank them in person – and do the happy work of supporting them through our purchases. See you there! | ||||||||||||||||||||
Tierra Farm Established 2001 Valatie, New York Owned by Gunther Fishgold In 2001 Gunther Fishgold started an organic nut facility in Valatie, NY to create a source of winter income for his organic vegetable farm. In the beginning he split his time between Tierra Farm in the Finger Lakes and his fledgling nut facility. But as Tierra Farm’s nuts, seeds, and dried fruit took off and became a thriving year-round business, the 39 year-old Fishgold moved his farm to Valatie, where most of the organic harvest is now used to feed his 21 employees. By sourcing as many ingredients as possible regionally and personally visiting most of the facilities he buys from, Fishgold’s nut business maintains his vision of quality and sustainability. “We are our own customers,” says Dan Laiosa, who met Fishgold through a mutual friend and is now the manager of Tierra Farm. “We create the kind of food we like to eat.” The 29 year-old, Laiosa says he enjoys having a snack around while he works, touting the health benefits of nuts. “With all the Omegas I’m definitely way smarter than I ever was,” he says.Allergic to peanuts, wheat, or dairy? No need to worry. All of Tierra Farm’s roasting, mixing, and flavoring is conducted in-house, at a certified organic, peanut-free roasting and processing facility! Tierra now sells fair-trade, organic coffee too!Shoppers can find Tierra Farm at our farmers markets in Cooper Park, Jamaica, Larchmont, McGolrick Park, Morningside Park, New Rochelle, Ossining, Park Slope, Piermont, Pleasantville, Queens Botanical Garden, Rye, and Tarrytown. | ||||||||||||||||||||
| Day Vendors This Week | ||||||||||||||||||||
| Larchmont Bombay Emerald Chutney CompanyPiermont Bombay Emerald Chutney Company Pleasantville Benmarl Winery Kontoulis Family Olive Oil Warwick Valley Winery | ||||||||||||||||||||
Community Markets 173 Main Street Ossining, NY 10562 Phone: 914-923-4837 communitymarkets.biz  | ||||||||||||||||||||
