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Waccabuc NY Homes | Meet Your Farm Market Vendors: Healing Home Foods and Gluten-Free Dessert Kitchen – Bedford-Katonah, NY Patch
Each week, Bedford-Katonah Patch will introduce you to two vendors from local markets serving the area: Gossett’s Farmer’s Market and the John Jay Homestead Farmer’s Market.
This week we introduce you to Healing Home Foods and The Gluten-Free Dessert Kitchen.
Gossett’s Farmer’s Market is held at Gossett Brother’s Nursery in South Salem every Saturday year-round, 9 a.m. – 1 p.m. and the John Jay Homestead Farmer’s Market, held at the Homestead in Katonah runs Saturdays 9 a.m. – 1 p.m. through October.
Healing Home Foods
Vendors: Sandra Lena, Shelley Schultz
Items sold: Organic raw granola, organic herb crackers, bean-free hummus
Location: Pound Ridge, NY
Website: n/a
Phone: (914) 764-0969
The Gluten-Free Dessert Kitchen
Vendors: Ellen Nicholas is the baker for her company The Gluten Free Dessert Kitchen of Harmony Hill.
Items sold: Two-layer cakes with fruit fillings and fresh frostings, including dairy free frostings. Almond, Blueberry or Cinnamon-Pecan Coffee Cakes, Savory Muffins like the Dill Zucchini Ricotta Muffin, Cookies, Bars and Brownies, all gluten-free. Nicholas also caters to people with allergies to soy, nuts and dairy. Special orders can be picked up at the Farmer’s Market in South Salem each Saturday morning.
Location: Harmony Hill B&B in Clermont, NY
Website: http://www.glutenfreedessertkitchen.com
Email: gfdesserts@gmail.com
Waccabuc NY Real Estate | Sell or Stay and Pay for Repairs?
via online.wsj.com
Waccabuc NY Real Estate | Foreclosure Declines Take on ‘Life of Their Own’ With Another 4% Drop
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Waccabuc NY Homes | Oddly Correct Way of Doing Business – Local Color Video
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Waccabuc NY Real Estate | Actual Bounce Rate vs. Bounce Rate, and Why the Difference Matters for SEO
Waccabuc NY Homes | Better credit score doesn’t guarantee cheaper loan | Inman News
Better credit score doesn't guarantee cheaper loan
Surprises in mortgage shopping
By Jack Guttentag, Monday, August 8, 2011.
Editor’s note: This is the first of a two-part series.
One of the unusual features of the U.S. mortgage market is that borrowers are obliged to select a lender before they know the price. They have a price quote from the lender they select, and the quote may be instrumental in their selection decision, but the price is preliminary. It is not final until it is locked by the lender.
Before the crisis, it was common to lock on the spot, which meant locking the quoted price. Today, that is the exception, reflecting tighter underwriting requirements and the increased risk to lenders of closing a loan that does not conform exactly to the rules. Locks are usually delayed for some days, sometimes for weeks.
Delays in locking mean that the lock price can differ from the price quote on which the borrower made a selection decision. The lock price can be higher or lower, but more often than not it is higher. These articles will explain why.
One reason the lock price can differ from the quoted price is that market conditions change. Mortgage prices are reset every morning, and sometimes during the day. Until the loan is locked, the price will change with the passage of time.
Because the market price is as likely to be lower than the quoted price as to be higher, borrowers should benefit from market-price changes as often as they are hurt. It doesn’t quite work out that way, however, because when prices decline, the lender may not pass it on — instead, it may lock at the previously quoted price. The lender can usually get away with this because the borrower is getting what was expected.
The lender may feel justified in not passing through price reductions because when the price rises by a small amount, the lender may absorb it by taking a smaller markup. The amount involved is not worth a hassle with the borrower. If the price rise is too large to absorb, however, the lender will require the borrower to pay it. On balance, therefore, borrowers are disadvantaged by market-price changes prior to a lock.
The quoted price can also change because the lender has not been able to verify one or more pieces of information on which the price depends, and has corrected them. These corrections may be reported to the borrower informally by the loan officer. They will also be contained in the documents the borrower receives within three days of receipt of the loan application. The documents include a corrected loan application, a credit score disclosure, and a Good Faith Estimate (GFE).
The critical items that may change are the credit score, property value and loan amount.
The credit score used to price a mortgage is the one received by the lender, not the one obtained by the borrower. There are a number of scoring models from which lenders make a choice. Each of the three major credit repositories has its own model, with multiple versions of each. Usually, lenders pull scores from three models and use the middle one, or they pull two and take the lower one.
The different models generate different scores, but usually the differences are not large. If one model score is 750, another won’t be 650, but it might be 740. Even a small difference, however, might be enough to affect the price.
The impact of credit score on price is based on score ranges that are 20 points wide on the most widely used FICO score models. The ranges are 620 to 639, 640 to 659, 660 to 679, and so on. This means that if the score reported by a borrower is near a break point, it takes only a small downward correction to drop him into a lower score bracket that could raise the price. An example would be a shift from 620 to 619. By the same token, if the score obtained by the borrower was 639, an increase to 640 would shift her into a higher score bracket that could lower the price.
In principle, credit-score corrections by the lender (like market-price changes) should lower the mortgage price as often as they raise the price. I am skeptical that this is the case, however, partly because borrowers are more likely to overestimate their score than to underestimate it.
Further, I am confident that some lenders do not pass on price reductions from an upward revision of the credit score when they don’t have to. Few borrowers are alert enough to catch it, especially if the lock price is the same as the price they had been quoted.
Next week: How corrections in property value and loan amount affect the price.
The writer is professor of finance emeritus at the Wharton School of the University of Pennsylvania. Comments and questions can be left at www.mtgprofessor.com.
Contact Jack Guttentag: Letter to the Editor
Copyright 2011 Jack GuttentagAll rights reserved. This article may not be used or reproduced in any manner whatsoever, in part or in whole, without written permission of Inman News. Use of this article without permission is a violation of federal copyright law.
via inman.com
Waccabuc NY Real Estate | A Link for All Seasons
Aug 01 2011
A Link for All Seasons
For everything there is a season, a time to be born and a time to die, a time to plant and a time to build links. I’m not 100% sure that last one is actually from Ecclesiastes, but it should be in the Book of SEO.
Link building is a perpetual pursuit for websites, but that doesn’t mean the circumstances are the same every day. And yet, there are certain constants even within continual change. One of these faithfully enduring factors is the unyielding progression of the seasons. Even if the leaves don’t change and snow doesn’t fall wherever you live, we all share the same four-season cycle. This fixed seasonal rotation provides a few things we can rely on to help us create link building strategies.
Summer
Most of modern civilization has at least some susceptibility to the academic calendar. For the early part of our lives, most of us become indoctrinated to the concept of a summer vacation. It’s a pattern that tends to manifest itself in business trends long after we leave academia. So naturally, even link building is affected by the summer break mentality.
The gold standards of links in SEO are the ones that come from highly authoritative sources. Many of those high-trust hot-zones tend to slow down a bit during the summer months. From educational institutions to local government there is a natural deceleration of certain activities. With schools in particular, teachers and students are much less available. If you are trying to target these types of links the challenge increases when school is out.
But that just means you need to turn your attention elsewhere. In warm weather people are generally more active outdoors and it can be beneficial to connect your business to that lifestyle. ywith organizations that link to sponsors of course. If you’re industry is more of an indoor cat, partnering with travel and outdoor recreation sites is a good way to get some cross-promotion.
Fall
Some people love the fall and others hate it, which I think largely depends on how they see it. The changing leaves are worth a 3 hour drive to nowhere and the night air has an exhilarated bite. But to the glass-is-half-empty types, it also means winter is on its way. For teachers, parents and link builders, it’s back to school time.
When the classes start, the game is on for educational content and getting ready for winter. While the kids are buying new book bags, the teachers are planning. Lesson plans, teaching aids, syllabuses are being developed or revised. Some of your content can get links from the online versions of those materials, if you have the right resources. Figure out what about your business is a teachable moment. Develop those concepts and mold them into pieces of content that will appeal to teachers on all grade levels. The early weeks of school can be busy ones but, if you time it right, your contribution to educational schematics could last for years.
Winter
Winter is cold in the northern hemisphere, which is where the vast majority of earth’s land mass lies. So whether you’re in San Francisco or San Tropez, it’s chilly in January. People spend more time indoors and there’s a pretty decent chance they’re killing some of their cabin fever online. In the winter both weather and social traditions are working in a link builder’s favor.
Christmas is coming, so is Hanukah, and Kawanza and a number of celebrations and shopping trips. This time of year, as most stores know, is all about the special offers, sales and discounts. Whatever product or service you sell, you can play the Holiday angle. Don’t sell yourself out just because you think your service doesn’t fit the typical Christmas theme. A carpet cleaning service can get it in on it by offering a holiday cleaning special. A lighting fixture site can offer Gift Certificates and pre-holiday “upgrade” discounts.
Just because you’re not a major retail player doesn’t mean you can’t get a few holiday links. People are looking en masse for gift ideas and holiday party planning tips. Blogs, s outlets, and websites of all kinds are compiling lists of these resources along with copious coupon codes and deals. Don’t just post your offers on your site, promote them with a full-on outreach blitz. Holiday-mania strikes everyone, and if you can’t beat em, at least get links from it.
Spring
If you watch Animal Planet you know springtime plays a major role in expansion and growth. The world undergoes a sort of re-birth during these months. And even though there’s a lot happening outside, this can be one of the harder times of the year to work marketing angles. There are a few holidays, but nothing nearly as behaviorally significant as other seasons. That makes this a great season for planning, analyzing and evaluation.
While nature is taking its course outside, it’s a good time to breathe new life into your online marketing strategy. Figure out what worked during the winter and lay the groundwork for what lies ahead. I don’t mean you should stop your link building, but it’s always calm before the storm. And link builders should be like children; if they are quiet, it should mean they’re up to something. These “quieter” months can be as good a time as any to plan your attack for the year ahead.
The twist is, in order to really stay ahead of the curve, planning for each season should happen months before it arrives. The same way department stores put out bathing suits in February and Christmas trees as early as September. Behind the scenes work should done be a few months ahead of the calendar year, so that when the season strikes, you’re ready to launch.
Link building is hard enough under the best of circumstances and any link builder will tell you that no single strategy works all the time for everyone. There’s nowhere that’s more evident than when you examine the nuances of seasonality and its effects on human behavior. Link building in many ways requires an understanding psychology. This includes grasping not only the how and why behind getting links, but the when as well. There are naturally occurring peaks and valleys throughout the year that you can use to your advantage. Sometimes you can help your site speak to search engine algorithms by simply listening to seasonal bio-rhythms. When you use the collective habits of humanity to appeal to the right needs, at the right times, then you’ll probably find that links are always in season.
Written By:
Jennifer Van Iderstyne | Internet Marketing | @Vanetcetera
Jennifer Van Iderstyne is an SEO Specialist at Internet Marketing Ninjas, formerly WeBuildPages. Internet Marketing Ninjas is a full service internet marketing company based out of sunny Clifton Park, NY. You can follow her on Twitter but if you come to the office you won’t be able to find her, because Ninjas are invisible.
More Posts By Jennifer Van Iderstyne
Brilliant post, most things tend to follow this seasonal pattern, SEO is just one of those things I guess. It’s interesting that you mention the education scene frequently, as it is a huge part of everything. Very good post to help with strategics thank you for that :).
It’s about fishing where the fish are. As consumer behaviors change, so must our link building activities. Getting quality links can be hard enough without fighting the uphill battle of going after a link when the site owner isn’t paying attention.
I like Spring and winter season. At winter season there is no sound, everywhere peace and i guess that is perfect time to open your laptop and start doing SEO till late night .lolzz
Agreed with you Nick. It changes every time. We want to be more focus on their requirement and make out the perfect strategy for them.
Waccabuc NY Real Estate | Walt Disney’s Custom Estate for Sale
Source: IMDb
While it’s easy to imagine Walt Disney simply living in Disneyland, perhaps in one of the houses that dot Disneyland’s Main Street, the man behind Mickey Mouse actually built a custom estate in Los Angeles, about a half-hour drive from the “Happiest Place on Earth.”
Walt Disney’s home is listed for sale for $3,650,000. The French-Mediterranean style house was built in 1932 on a double lot in prestigious Los Feliz. Median Los Feliz home values are currently $835,900. “Wizard of Oz” actress Judy Garland once called Los Feliz home and currently, Natalie Portman as well as Jack Black. also reside there. According to property records, the home was last sold in 1977 for $207,002.
A gifted cartoonist and entrepreneur, Disney moved to Hollywood in 1923 to start a Hollywood studio with his brother. Within 10 years, Disney was famous for the creation of his new character, Mickey Mouse, and was working on a full-length animated film called “Snow White and the Seven Dwarfs.” He was also beginning to dream up an elaborate amusement park.
Disney’s gated home in Los Feliz was home to the cartoonist, his wife, Lillian, and two daughters Diane and Sharon until 1945, when he moved into another home in Holmby Hills. The home features a Mediterranean-style entry in a circular rotunda and painted ceilings in the foyer and dining room as well as vaulted beamed ceilings throughout the rest of the house. According to a listing photo, the Disney home was featured in the January 1940 issue of Better Homes and Gardens.
Additionally, the 4-bedroom, 5-bath home has 6,388 square feet of living space with views of downtown L.A. throughout. Other original aspects of the home include stained leaded glass windows, a Juliet balcony, billiards room with sleeping porch, and a projection and screening room where Disney used to watch productions. Outside, the property still has the playhouse built for Disney’s daughters.
The listing is held by Patricia Ruben of Sotheby’s International Realty.
via zillow.com
Mortgage Bankers Report Foreclosures Are Falling in Lewisboro | Lewisboro NY Real Estate
Fewer homes are falling into foreclosure, the Mortgage Bankers Association reported Thursday.
The percentage of homes that entered some stage of foreclosure in the third quarter fell to 13.52 percent compared to 14.42 percent in the second quarter in part because of state and federal investigations into procedural errors, the bankers said.
Mortgages more than three months overdue also fell during the third quarter to 8.7 percent of all loans, down from 9.11 percent in the second quarter.
The bankers say it is too early to know whether this represents a positive trend because once the foreclosure investigations grind to a halt, foreclosure activity will pick up.
Elizabeth Duke, a Federal Reserve Board governor, testified that the Fed expected about 2.25 million foreclosure filings this year and in 2011, and 2 million in 2012. “They will remain extremely high by historical standards,” Duke said in a prepared statement.
Source: The New York Times, David Streitfeld (11/18/2010)