Tag Archives: South Salem NY Homes for Sale

Protect your data from cloud-based storms | South Salem Realtor

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The recent crash of the dotloop e-signature platform highlights the challenges related to going paperless and relying on someone else’s server for your protection. Whether it’s your email, your website, your e-signature platform or anything else that you store in the cloud, what can you do to protect yourself from cloud-based storms?

In my recent series of articles on the differences between the various e-signature platforms, I outlined the dangers of using a PDF-based e-signature platform such as dotloop that relies exclusively on its company website to track document changes in the cloud. A dedicated web server is one of the basic requirements for any organization in today’s business world. It is used to host the websites of the company or the whole enterprise and possesses the requisite resources for the task. The bandwidth and storage space provided by a dedicated hosting server can never be matched by a shared server, and the exclusivity provided by this server is unparalleled. These servers are usually hack – proof, and are not targeted by malwares, viruses and spywares due to the heightened security provided by the web hosting company. Now that you have finally decided to go for a dedicated server hosting and selected one that suits your business’ demands, you have to think about managing it. You can either manage it yourself or give this task to the firm which is providing you with the server. It is always advisable to hand this task over to the dedicated web server company, which will deal with all the nuances involved in setting up, hosting and managing the server. Even though you can always learn how to manage it, the task will be arduous and take a lot of your time, which is precious for your business’ growth. Typically, Fully Managed Dedicated Server Hosting consists of server monitoring, software updates, reboots, security patches and operating system upgrades. This provides you with ample time to concentrate on other tasks while the hosting company handles your server managing demands. Also, the firms which hire the services of the dedicated web server are provided with individual server administration add-on tools in the standard deals. Therefore, you can be at ease with even the standard deals and see your business achieve new heights due to the fully managed hosting option. Most people choose shared hosting for their website at the beginning. Shared hosting is a hosting account on which you host your website on a shared server with hundreds of other people’s websites. Shared hosting is usually very affordable due to the number of websites sharing the space and resources on each server. The downside of this is your website has to share the resources on the server such as processing power and memory. This means if particular websites are very busy and getting loads of traffic, they will obviously draw more processing power and server memory. This can lead to your website being slow to open and your potential customer won’t wait for your website to display; they’ll just go elsewhere! The other drawback with sharing a server with so many websites is a server is only as reliable as the scripts being written to it. If a particular website uses a bad script it can take the whole server down. Your website will go down as well and through no fault of your own. If your online business is mission critical and you want to avoid suffering any downtime or slowness, your best option is your own dedicated server. And if you are not at all technical then the best option of all is a fully managed dedicated server.You can visit https://www.knownhost.com/managed-wordpress-hosting.html for more information.

A fully managed dedicated server is managed for you by your hosting provider. You won’t have full root access to it but you will get a control panel which you use to set up your website space and that’s it. So in a way, similar to a shared server, except it’s yours with only your websites using it. This used to be quite an expensive option but prices have come down and there are wide ranges of hosting providers who offer fully managed dedicated servers from as low as £50 or £60 a month. The other advantage of your own dedicated server is you can install any software you want. On a shared server you are only able to use the pre-installed software and components provided and this can be limiting. If it’s fully managed your hosting provider will install the software for you and they may make a small installation charge. You also get far more web space to use – if the hard drive on the server is 80GB then you can use about 74GB of that for your websites and software. And with a dedicated server you will get far more bandwidth to use than you would on a shared server. In fact, there are a number of hosting providers who now offer 1 terabyte of monthly bandwidth use which is more than enough for most online businesses.

When I was researching the articles, I posed the following question to dotloop’s CEO, Allison Austin: “What happens if your system goes down, is hacked, or if you go out of business?” His response cited dotloop’s multiple backup systems and that it would be highly unlikely that that would happen. At RadiusBridge we help your business manage internal and external data with a focus on the best use of data to grow your business.

When the dotloop system went down, its users lost access. All digital transaction management platforms send users their documents via email, where they can be archived and accessed for future use.

But unlike DocuSign, Instanet or zipLogix’s Digital Ink products that provide the double protection of both a PDF document trail and independent tracking of changes within the document itself, dotloop users had no backup unless they did one of three things prior to the outage: (1) printed the documents to paper beforehand; (2) downloaded the documents into a separate PDF file on their computer; or (3) stored the documents in another cloud-based solution.

It’s not if they will fail, it’s when Of course, whether you are Google, Amazon, Microsoft or any other technology provider, sooner or later the system goes down. On Aug.16, Google went down for a few minutes. The blackout was “unprecedented.” The result: a 40 percent decrease of global traffic on the Web, according to a CNET article.

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http://www.inman.com/2013/08/22/protect-your-data-from-cloud-based-storms/#sthash.MlrkSiPy.dpuf

Peter Eisenman’s Experimental ‘House VI’ Listed for $1.4M | South Salem Real Estate

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A rare house by “postfunctionalist” architect Peter Eisenman in the hills of Connecticut has been quietly listed for $1.4M. Despite the name, House VI, this was actually just the second structure built by Eisenman, who, at the time of the 1972 design, had spent much of his career on theory. Perhaps as a result, the construction of the compact house took three years and ran well over budget. In 1987, persistent issues with the structure meant it had to be thoroughly renovated, but the original clients remain satisfied with the result, so much so that they wrote a book in defense of Eisenman’s work. Set on six acres, the controversial house has been listed alongside a repurposed 1880s schoolhouse, now used as a guest cottage, and a lean-to barn

Mortgage modifications up, foreclosure starts down | South Salem Real Estate

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From April through June of this year, an estimated 204,000 homeowners received permanent loan modifications from mortgage servicers. Of those modifications, approximately 160,000 homeowners received proprietary loans modifications and 44,860 homeowners received loan modifications completed under the Home Affordable Modification Program.

“Our mission since 2007 remains the same – to reach out and assist as many homeowners as possible using all of the tools at our disposal. In addition to the progress made via our solution data, HOPE NOW sponsored over 140 face to face events in more than 70 markets nationwide and has been a driving force in bringing together all mortgage stakeholders in the interest of improving the nation’s housing market,” said Eric Selk, executive director of HOPE NOW.

The mortgage industry completed more than 6.52 million total permanent loan modifications for homeowners since 2007. More than 5.31 million of those loans were proprietary programs and 1,223,449 were completed via HAMP.

In the second quarter, approximately 81,000 short sales were recorded, bringing the total to more than 1.32 million since December 2009. When combining both loan modifications and short sales, the total number of permanent, non-foreclosure solutions was more than 7.84 million.

Second quarter numbers were at an estimated 329,000 foreclosure starts, compared to 472,000 during the previous quarter, a drop of more than 30%, and 527,000 in the second quarter of 2012, a decline of 38%.

Interestingly enough, completed foreclosures in the second quarter were approximately 158,000 compared to 162,000 for the first quarter, down 2%. In the second quarter of 2012, foreclosure sales were at 185,000, 15% above current numbers.

Short sale completions in the second quarter were an estimated 81,000 compared to 84,000 in the first quarter, a drop of 3%. Year-over-year, short sale completions were down 25% from 107,000 in the second quarter of 2012.

Month-over-month, foreclosure starts were estimated at 97,000 in June compared to 115,000 in May, down 16%. Foreclosure starts were estimated at 52,000 in June were down 8% from May’s 48,000. On a monthly basis, short sales completed dropped 7% from 28,000 in May to 26,000 in June.

Delinquencies of 60+ days remained unchanged in June at 2.22 million.

HOPE NOW

But numbers don’t tell the whole picture. It’s important to know why foreclosures are on the decline.

Daren Blomquist, vice president of RealtyTrac, believes many markets have finally worked their way through the large batch of bad loans originated during the housing bubble years.

“On top of this, as home prices have now bottomed out in most markets, that is helping to lift all boats and allow some homeowners to avoid foreclosure through refinancing or even the sale of their home,” said Blomquist.

“Lastly, the persistent foreclosure prevention efforts over the past few years have waged a war of attrition on the foreclosure problem, helping to keep a lid on foreclosure activity,” he added.

Blomquist noted that regulations could be playing a key role in keeping foreclosures from going through. “In some cases, state legislation has slowed foreclosure activity quite dramatically — above and beyond the natural slowing of foreclosure activity that was already occurring,” he said.

Blomquist mentioned the example of California, where the Homeowners Bill of Rights that took effect in January, causing a 60% drop in foreclosure starts in a single month. “The still-unanswered question with regulations like this, however, is are they actually preventing foreclosures in the long-term or are they delaying them to next year or beyond?”

But the decline in foreclosures is a positive sign for the housing market. “Rising prices have helped some people regain equity, giving them an escape hatch to avoid foreclosure, and also giving them hope to keep making payments, rather than just walking away via a strategic default,” Blomquist said

 

 

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http://www.housingwire.com/articles/26172-mortgage-modifications-up-foreclosure-starts-down

 

Real estate agents get wise to superstitions | South Salem Homes

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Are you superstitious? What about your clients? While it may seem odd, honoring the cultural beliefs and superstitions that others hold not only builds connection, but it can also help you close more deals. A number of years ago I had some affluent clients from Thailand. We found a $1.3 million house in Santa Monica, Calif., that they wanted to purchase. Before writing the offer, however, they wanted their priest to look at the property. The “priest” turned out be a Buddhist monk who spoke no English and was dressed only in a scant orange robe and sandals. When my clients decided they wanted to stop for coffee, I was at a loss about what to do with the priest: Do I stay in the car, go in with my clients to buy coffee, bring him some bottled water or do nothing? I decided to wait in the car.

Needless to say, the whole situation seemed bizarre. When we arrived at the property, the monk walked it completely and then stood across from one of the trees in the front yard. An animated discussion followed in Thai between my clients and the monk. I learned later that the monk had advised them not to buy the property because there was an evil spirit in the tree in the front yard. My first question was how to get rid of the evil spirit. The monk had already advised my clients on that issue: It wasn’t possible. While this story may seem strange, have you ever bumped into any of the following with your clients? 1. In down markets, an agent who buries a statue of St. Joseph in the yard in order to sell the house more quickly?

 

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http://www.inman.com/2013/08/15/real-estate-agents-get-wise-to-superstitions/#sthash.JIAv8gXy.dpuf

South Salem NY Weekly Real Estate Report | South Salem Homes

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South   Salem NY Weekly Real Estate Report8/21/2013
Homes for sale85
Median Ask Price$629,000.00
Low Price$205,000.00
High Price$12,200,000.00
Average Size2863
Average Price/foot$332.00
Average DOM161
Average Ask Price$995,112.00

Bidding Wars Abate as Markets Stabilize | South Salem Real Estate

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Competition for homes across the U.S. dropped from 68.6 percent in June to 63.3 percent in July. The number of offers facing competition peaked in March at 75.7 percent.

Increasing inventory, rapidly rising home prices and interest rate spikes all contribute to the continuing trend toward a less competitive market. Less measurable market forces such as buyer fatigue and buyers taking summer vacations probably also played a role in this trend.

Budding wars are abating as is in line with other research that points toward the strong sellers’ market beginning to shift toward more balance, giving frustrated home-buyers a bit of relief. Redfin agents report that buyers who have been in the market for even a few months have noticed the change in their favor, the Redfin brokerage reported today.

Redfin agents and analysts are closely monitoring bidding war rates, expecting them to continue their downward trend into the fall. This would be a contrast to last year’s pattern, which saw the market heat up in the autumn months.

The report’s key findings include:

  • As a result of reduced competition, winning offers fell closer to list prices for the second consecutive month. Nationally, the average difference between winning offers and list prices fell to 0.6 percent in July from 0.9 percent in June and 1.4 percent in May.
  • San Diego and Orange County saw the largest decreases in competition, with bidding war rates falling by more than 10 percentage points in July.
  • Washington, D.C.’s bidding war rate saw the smallest decline, falling just 1.2 points in July.
  • Baltimore was the only metro area where bidding wars increased, with an 8.8 percentage point jump in July.

The table below ranks the hottest real estate markets in order of competitiveness.

 

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http://www.realestateeconomywatch.com/2013/08/bidding-wars-abate-as-markets-stabilize/

 

1 in 3 buyers would bid above asking price | South Salem Real Estate

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One in 3 buyers are willing to bid higher than a home’s asking price, according to a survey conducted by Trulia in partnership with Harris Interactive.

That was just one of several other findings of the survey that appear to show that homebuyers are feeling the squeeze of market conditions that are significantly altered from those of a year ago. At the same time, they capture improved sentiment towards the housing market.

Today’s tight home inventory appears to be pushing some buyers to use aggressive tactics to beat out competing buyers, the survey found. In addition to a third of buyers being willing to make above-market offers, 1 in 4 said that they would offer to pay a seller’s closing costs.

“Tight inventory means slim pickings for buyers. Even though inventory is starting to expand, and rising home prices should bring more for-sale homes onto the market, people who actually want to buy within the next year are feeling the pressure of competing buyers and limited inventory,” wrote Trulia Chief Economist Jed Kolko in blog post about the survey.

Also seemingly a symptom of today’s limited housing stock, homebuyers who plan to buy within the next year said that finding a home that they like is their biggest worry.

And highlighting two other defining characteristics of today’s market, consumers who said they might buy someday indicated that their two greatest fears were that mortgage rates and home prices would rise further.

– See more at: http://www.inman.com/2013/07/25/one-in-three-buyers-would-bid-above-asking-price/#sthash.rgSe8GhB.dpuf

 

 

1 in 3 buyers would bid above asking price | Inman News.

Why are ‘steady’ Central Pa. housing prices lagging behind rest of the nation? | South Salem Real Estate

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They say slow and steady wins the race. If that is the case, then the all-but-flat housing prices in Central Pa. should be walking away with the title for most stable housing market. Area realtors insist this is the difference between boom and bust – and it’s a good thing.

 

But it’s hard not to be envious when one looks at the eye-popping housing price increases being realized at a national level. Consider these statistics, compiled by the National Association of Realtors (NAR):

 

The national median existing-home price – half the selling prices were higher, half were lower — hit $192,800 in April. That equated to an increase of 11 percent, compared to median national sale price in April 2012.

 

In May, the median national existing-home price zoomed up again, reaching $208,000, for an increase of 15.4 percent from May 2012. These are the most recent months for which national housing sale price stats were available.

 

Now, compare that with the just-completed quarterly numbers for Dauphin, Cumberland and Perry counties, as compiled by the Greater Harrisburg Association of Realtors.

 

Median home sale prices for the three counties did increase in the second quarter – but just barely: A scant 0.1 percent from the second quarter of 2012.

 

Basically, this means prices here held steady, overall. The median sale price of residential homes was $163,000 over the past three months, compared to the median cost of $162,900 in the second quarter of 2012.

 

 

Why are ‘steady’ Central Pa. housing prices lagging behind rest of the nation?: Boom & Bust | PennLive.com.

How to Target Only Your Customers With Facebook | South Salem Realtor

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What if you could reach your existing customers while they’re on Facebook?

Does the idea of displaying a Facebook ad only to your prospects list sound interesting?

This could give your marketing a boost and help build your brand’s image on Facebook.

In this post, I’ll show you two ways to use Facebook’s Custom Audiences to connect with your customers and prospects on Facebook.

And I’ll also show you how to create and use your first custom audience.

build brand image

How do you build your brand’s image on Facebook?

What’s a Custom Audience?

Your business undoubtedly has a database of customers. You may be using that database to keep email addresses, phone numbers, Facebook user IDs and app user IDs.

You can target the customers on these lists with your Facebook advertising, whether they are your current fans or not.

Instead of agonizing over demographics, precise interests and Partner Category targeting in an effort to reach your ideal audience, all you need to do is upload your customer list to Facebook. Facebook then matches up email addresses, for example, with the email addresses of users on Facebook.

Not all of the email addresses you collect are directly related to an email address of a Facebook user. Facebook tends to match up between 30-50% (sometimes more, sometimes less), depending on the quality of your list.

Once this list is generated in Facebook, you have a Custom Audience you can use in your advertising.

4 Steps to Creating a Top-Ranked Business Podcast | South Salem Realtor

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Do you want to create your own business podcast?

Do you have the passion and drive to make it happen, but you’re just not sure where to start?

Keep reading for 4 tips to set you down the path of podcasting success.

Why Podcasting?

Podcasting is a unique tool that allows you to deliver relevant, on-demand and targeted content to a massive, worldwide audience.

What’s special about podcasting beyond its reach is that, unlike any other social platform, it allows you to connect with your audience on a personal, one-on-one level during a time when they are looking for hands-free, audio-only content.

microphone

Podcasting can be a powerful delivery platform in your marketing toolbox. Image source: iStockPhoto.

Pat Flynn of The Smart Passive Income Podcast, who was recently profiled for the success he’s had with his podcast, stated, “I’ve been able to make a much deeper connection with my audience. When I go to conferences, the first thing people who meet me say is, ‘I love listening to your podcast.’”

A podcaster’s ability to create a show that consistently delivers high-quality content to a captive audience, like Flynn does, will determine his or her success.

Here are four steps you can take to set yourself up for podcasting success.

#1: Buy Recording and Editing Equipment

There are a lot of different types of equipment and software out there for recording and editing your podcast. As you can imagine, they range in price from free to really expensive. However, one of the many great things about podcasting is its accessibility—whether you have $100 or $10,000 to spend doesn’t matter.

Here’s what you’ll need to get set up.

A Microphone

One option is to simply use the built-in microphone on your computer to record your podcast. While you will definitely be forfeiting some of your audio quality by going this route, it is possible.

The Logitech ClearChat Headset is a low-cost option ($26.78) and a big step up from your computer’s built-in microphone. This headset will connect straight to your computer via USB.

If you’re not willing to forfeit your audio quality on any level and have some money to spend on a high-quality microphone, the Heil PR-40 is a great option that will cost you just around $300.00. This microphone functions via an XLR connection, not via USB, and thus requires that you also purchase a mixer.

mic shot

The Heil PR-40 is a great choice for a microphone because it delivers high-quality audio every time.

A Mixer

A mixer allows you to manipulate the audio signals, dynamics and frequency of your recording. While a mixer is not a requirement, it is an important piece of equipment to have if you want to provide your audience with high-quality audio.

If you’re going to purchase a mixer, an all-in-one is the way to go. The PreSonus FireStudio Project is a great option and allows you to record audio on two separate tracks, which is a huge benefit if you plan on doing interviews. With this, you cansilence out background noise and easily edit both sides of the interview. The Presonus Firestudio mixer runs around $400.00.

Recording and Editing Software

Recording and editing software is required because this is what actually allows you torecord, edit and convert your audio into an MP3 file.

Much like the microphone equipment, there is a free option and an option that costs money.

  • Free options: Mac users can use GarageBand while Audacity is available for PC users.
  • Paid option: Adobe Audition is a top-notch recording software program that has amazing capabilities. If you do not subscribe to an Adobe software package likeCreative Cloud, then you can check out package options or simply purchase access to Adobe Audition alone for $19.99 per month.

 

4 Steps to Creating a Top-Ranked Business Podcast | Social Media Examiner.