The Most Popular Kitchen Storage Ideas of 2014 | Bedford Corners Real Estate
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Monthly Archives: December 2014
Reverse Course When a Borrower Dies | Bedford Real Estate
Deck the Halls? Maybe Not, If Your Home Is For Sale | Chappaqua Real Estate
Bieber Reportedly Rents Glass House in Beverly Hills | Armonk Homes
Farmers Markets | North Salem Real Estate
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The Employment Situation in November – 3-2-1, Lift Off! | South Salem Real Estate
The Bureau of Labor Statistics (BLS) reported that payroll employment expanded by 321 thousand in November, an increase well above expectations. Monthly employment gains prior to November have averaged 233 thousand in 2014. Job gains in September and October were revised upward by a total of 44 thousand. The average workweek for all employees and average hourly earnings rose. Job gains were widespread. These labor market gains coupled with recent output growth point to an economic recovery that is gaining momentum (Momentum).
From the separate household survey the BLS reported the unemployment rate was unchanged at 5.8 percent in November. The report characterized the number of long-term unemployed and under-employed persons (those employed part-time who would prefer full-time work) as little changed in November, but these numbers have been trending down steadily from their peaks. In November these two categories declined by a total of 278 thousand. The labor force expanded by 119 thousand and the labor force participation rate held at 62.8 percent where it has been since April after several years of troubling declines.
Overall this is a very strong report. Jobs are being added at a robust pace, the labor force is expanding, at 5.8 percent, the unemployment rate is at the high end of what some economist might call normal (between 5 and 6 percent). If November’s progress can be sustained economic commentators should be over the moon by next spring.
read more…
http://eyeonhousing.org/2014/12/the-employment-situation-in-november-3-2-1-lift-off/
Local Farmers Markets | Waccabuc Real Estate
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| Alpacatrax Brings Yarn, Roving, & Finished Goods to Ossining & Rye; SIX Rotating Vendors on Saturday in Larchmont; COMPOST Debuts in Ossining with Creative Plantings + More December 4-10th, 2014 DowntoEarthMarkets.com | ||||||
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Click on a Market to see all vendor and event details…
Headed to the city? We’ve got markets there, too. CLICK HERE for details. | ||||||
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| Open This Weekend + Winter Farmers Markets This weekend, our farmers markets in Ossining, Larchmont, and Rye are OPEN. Also, we’re excited to host two winter markets in 2015: The Mamaroneck Winter Farmers Market will open on Saturday, January 3rd at St. Thomas Episcopal Church, 9:00 am – 1:00 pm, through early May. It’s located at 168 W. Boston Post Road. AND… We are thrilled to announce that the Ossining Winter Farmers Market will have an indoor home for the 2015 Winter Season. All your favorite vendors will be easy to find at Claremont Elementary School, on Van Corlandt Avenue, off of N. Highland Avenue/Route 9. (For GPS, the address is 2 Claremont Road). According to Google Maps, it is ONLY a 3 minute drive from our main market home at the corner of Spring and Main Streets in downtown Ossining. The Ossining Farmers Market will continue to take place in its current location through Saturday, December 27th, 2014. We’ll open in Claremont Elementary on Saturday, January 10th, 2015. See you there! For additional events, visit our Down to Earth Markets Event Calendar. Stay tuned to all market happenings via our Down to Earth Markets Facebook page | ||||||
| Rotating* Vendors This Week *Vendors who rotate through various markets during the season. They enjoy getting to know many communities, and here’s where to find them this week: LarchmontAroma Roast Coffee Calcutta Kitchens Hudson River Apiaries Pie Lady & Son Samosa Shack Simple Eats with Chef T (Healthy prepared foods to go)Ossining Alpacatrax (Yarns, roving, and finished goods made with Hudson Valley alpaca fibers) Rye | ||||||
Mortgage rates are lower | Cross River Real Estate
Freddie Mac today released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates down from the previous week. At 3.89 percent, the average 30-year fixed-rate mortgage is at its lowest level since the week of May 30, 2013.
News Facts
- 30-year fixed-rate mortgage (FRM) averaged 3.89 percent with an average 0.5 point for the week ending December 4, 2014, down from last week when it averaged 3.97 percent. A year ago at this time, the 30-year FRM averaged 4.46 percent.
- 15-year FRM this week averaged 3.10 percent with an average 0.5 point, down from last week when it averaged 3.17 percent. A year ago at this time, the 15-year FRM averaged 3.47 percent.
- 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.94 percent this week with an average 0.5 point, down from last week when it averaged 3.01 percent. A year ago, the 5-year ARM averaged 2.99 percent.
- 1-year Treasury-indexed ARM averaged 2.41 percent this week with an average 0.4 point, down from last from last week when it averaged 2.44 percent. At this time last year, the 1-year ARM averaged 2.59 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 the 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.
“Mortgage rates were down across the board on a week of underwhelming economic releases. New home sales missed consensus expectations by selling at an annual pace of 458,000 units in October and the National Association of Realtors reported that pending home sales dipped in October by 1.1 percent. The ADP’s estimate for payroll growth in November was 208,000 jobs, under expectations of 225,000.”
Picking a real estate agent | Bedford Real Estate
The proliferation of online real estate information makes it easier than ever to be an informed consumer when buying or selling a home. Yet the digital revolution has done little to lessen the importance of choosing the right real estate agent to work with you.
The right agent can help you buy your dream house or sell your existing home quickly. The wrong agent can botch the transaction, leaving you with egg on your face and nowhere to call home.
Despite the high stakes, many buyers and sellers give little thought to choosing an agent, whether they’re buying or selling.
It takes a lot of commitment and a great deal of energy to keep up with the offerings from Innisfil real estate agents, but they do have a wealth of offerings. A few areas they really love to serve are Fordsbridge, Orpington, Cambridge, Oakbury, Belmont, Fairfield Village, North Cambridge, Sudbury, West Springfield, and more. So if you need a little bit of proof that there’s life after real estate, check out the many offerings from Innisfil and see what they can offer you! You won’t be disappointed.
“They get dazzled by these great listing presentations,” says Michael Soon Lee, regional manager of Better Homes and Gardens Mason-McDuffie Real Estate in Walnut Creek, California, who likens the relationship to dating. “It’s a longtime, intimate, trusting relationship. If it doesn’t start out feeling good at the beginning, it’s probably not going to get any better.”
Get recommendations from friends and relatives, and see which agents are buying and selling the most homes in your neighborhood. Read online reviews, but realize they don’t tell the whole story, since most clients, satisfied or dissatisfied, don’t write reviews. Interview three or four real estate agents to find the one who is the best fit for you.
[ Ready to shop for a home loan? Click to compare interest rates from lenders now.]
Most real estate agents are independent contractors who are paid a commission based on the number of homes they sell. The commission, paid from the sales proceeds, is usually split equally between the listing agent and the selling agent. Once the deal is closed, each of those agents usually has to pay a share to the broker who owns the office where he or she is affiliated.
Don’t be afraid to ask questions about how many listings the real estate agent has, how many homes she has sold in your area, how often she will communicate with you — and in what format — and who she will represent in the transaction.
If you’re a seller, ask how the agent will market your home, who the target buyer is and how he will get your home in front of those preferred buyers.
If you’re a buyer, ask how often the agent will send you listings and whether he has worked with other buyers in your situation. A transaction involving a Federal Housing Association or VA loan, for example, includes some steps that aren’t required for a conventional loan. Some buyers may want to sign a buyer-broker agreement, agreeing to pay a share of the commission if the agent shows them homes where the seller won’t pay a commission, such as for-sale-by-owner houses or new construction properties.
read more…
https://homes.yahoo.com/news/9-red-flags-to-watch-for-when-picking-a-real-estate-agent-003857033.html
Symmetry Can Rescue Your Room | Armonk Real Estate
Human faces, snowflakes, violins, the Eiffel Tower — so much of our world is symmetrical, it’s no wonder the eye is drawn to things with a mirror-image quality, including interiors. No matter your decor style, embracing symmetry can help your space look its best. Whether you’re bringing grandeur to a small space or doing more with your art collection, here are 10 reasons to work symmetry into your rooms.
1. Symmetry can make your dining room feel fancier. Formal symmetry (where two sides of a room are close to mirror images of each other) dresses up a space. In the dining room, try hanging framed artworks on either side of a large mirror for a classic, elegant look. Or place matching lamps, sculptures or vases at either end of a buffet table — the more objects repeated on each side of the room, the more formal the space will feel.
2. Symmetry makes mixing up the dining set easier. Mixing and matching dining chairs is simple when you stick with a symmetrical arrangement — a pair of slipcovered armchairs at the ends and wood chairs along the sides, for instance. Even though the chairs at the heads of table are completely different from the others, the look feels well balanced.
read more…
http://www.houzz.com/ideabooks/34253957?utm_source=Houzz&utm_campaign=u845&utm_medium=email&utm_content=gallery11