Naples

Bonita Springs

Estero

Real Estate

Norman S. Stern Specializes in Naples, Bonita Springs and Estero Real Estate and Properties for Sale

Contact Norm
239-248-7734

email norm

3757 Tamiami Trail North
Naples, FL  34103

 

NORM'S NEWS 

The Realtor's View  . . .  Stuff You Can Use    

 

New Family Recipe: Perfect Poached Salmon!

Ever wish you could make perfect poached salmon? Well, here's how: Buy a small side of salmon filet (3-4 lbs) and cut into 6-8 oz wedges. You should get about 4-6 per side. (Hint: I buy my salmon at Sam's Club or Costco). Pre-heat the oven to 375 degrees. Next, put wedges in a glass baking dish. Add 1/2 cup white wine, juice of a 1/2 lemon and about 1/4 cup water. Sprinkle salmon wedges with a dash of paprika, some dill and a little black pepper. Cover the dish tightly and bake for exactly 20 minutes. Remove from oven and let stand with cover on for exactly 20 more minutes. (Do not be tempted to peek). After 20 minutes, remove cover and presto! Perfect Poached Salmon! Now, wasn't that really easy?

 

Did You Know?

Did you know that no word rhymes with "month"? That only three birds mate for life: geese, eagles and swans. That the Amazon is the longest river in the world (4,150 miles, beating the Nile by about 100 miles), that Madame Curie, the person who discovered radiation was also the first person to die of radiation poisoning. Did you know that giraffes have only 7 vertebrae in their necks...the same as humans; that triskaidekaphobia is the fear of hair. Why are they called stands if they're made for sitting? When something is out of whack, what's a whack? Why do we put suits in a garment bag and garments in a suitcase? If "all the world’s a stage," where is the audience sitting? And why is the third hand on a watch called the second hand?

 

 

The Home Seller's Corner

Pricing your home correctly. Ever wonder why two seemingly identical homes have a radically different time on the market before sale? Sometimes it’s the smallest things that make the difference. Both homes may have the same floor plan, but improvements and the home’s position in the tract can often make a difference as to which home sells faster. Most often, however, it’s the price that makes the difference. This is usually the single most important factor in determining how fast a home will sell. When you consider mortgage payments, utility bills and potential future repairs and upkeep, it rarely will pay you to overprice your home. Your Realtor will help you determine the best price. Just ask Norm! to help. Is an appraisal necessary before you put your home up for sale? Not necessarily. Although an appraisal can provide you with some additional information, your Realtor will prepare a Comparative Marketing Analysis (CMA) that will provide you with prices for which other homes in your area were sold. Then, working together with your Realtor, you should be able to set just the right asking price. Remember, the first 30 days that a home is for sale can be the most critical. What is the MLS system? MLS stands for Multiple Listing Service. It’s a computerized database that houses information about all of the homes listed for sale by Realtors in your area. Realtors can search the database by geographic area, by price, and by a wide variety of features such as size of the home and lot, number of bedrooms and bathrooms, when the home was built, etc. They can quickly zero in on just those homes that offer the specific features sought by their buyer. The most important benefit to the seller of the MLS system, however, is that all Realtors are alerted about the features of your home and dozens may want to show it. Because of these and other factors related to MLS searches, you should have a very, very good reason why you would not want your home placed in the MLS database.

 

 

Planning A Trip?

Traveling by air? If you wear a broach with a long pin, it may be confiscated by Security. Need more leg room? Ask to be seated in the emergency row aisle. If the air on a long flight seems too dry for you, try wetting some paper towels and breathing through the towels. To avoid a possible blood clot on a flight, always get up and walk around a bit. Take an aspirin before the flight, provided you are not allergic and your doctor approves. Can a disabled person take a cruise? You betcha!! Go to www. accessible-travel.net for lots of available cruises for disabled folks. Always take your hotel’s business card with you when traveling in a country where you don’t speak the language. Show it to a cab driver to get back safely.

 

 

The Home Buyer's Corner

Do you know how to read a Contract for Sale? When you buy a home, you enter into a legally binding contract. Understand your rights and obligations by asking your Realtor (Norm) to explain each and every term to you. Never, but never, sign anything that you don’t understand. When buying a home, the concept of “buyer beware” is always operative. Pay particular attention to who pays for what. Understanding what you are contracting for and agreeing to pay for can save a lot of aggravation later. If you don’t understand something, ask Norm. 

When you find the right home, be prepared to move quickly. Confer with your Realtor (Norm) before deciding how much to offer. Ask Norm to try to find out as much as possible about the motivations of the seller: How long has the home been on the market, why is the owner selling, has the owner already bought another property? All of these factors may impact on the size of your initial offer. Be careful about making a lowball offer. The seller might assume that you are not serious and refuse to negotiate further. 

When your offer is accepted, you will sign many documents in addition to the contract. Make sure that you get a copy of everything that you sign. Now is the time to schedule your inspections (Norm recommends at least three: pest, radon and general home) and to apply for your mortgage, if you need one. It always saves time if you have already been pre-qualified, but if not, it shouldn’t take more than 2-3 weeks to secure financing if you use a good mortgage broker. Ask Norm to recommend one. 

Here’s a little known tip: Don’t jeopardize your mortgage commitment by taking out another loan, buying a car on credit or taking on any other large financial obligation on credit while you mortgage loan is pending. Lenders will definitely run a second credit check just before they release the funds for your mortgage and they will pick up any other financial obligations not reported on your original mortgage application.

 

 

Mortgage Watch

Rates are up somewhat since our last report but still very affordable. As of this writing. 30 year fixed 6.75%; 15 year fixed: 6.25%, both with 0 points. ARMs ranging between 5.875% and 6.375%, depending on terms. Should you visit a bank or find a mortgage broker? You can always save time by using a mortgage broker who can do your searching for you among many lenders. Ask Norm to put you in touch with several mortgage brokers.

 

 

Household Hints

To keep a hanging picture straight, try wrapping some masking tape over the picture wire. It will be much less likely to slip. When painting a ceiling, wear a garbage bag. Cut holes for arms and head and wear a plastic shower cap over your head. Presto! No more painted hair! On a long automotive trip, spray the front of your auto with cooking oil spray. Bugs won’t stick as easily and those that do will wipe off easily. To remove bumper stickers, use a blow dryer to heat the sticker and peel off, using a credit card or other flat edge. Use bug & tar remover to take off any residue. All of the following are good for watering plants: water from boiled eggs (minerals), coffee or tea combined with more water for acidity, aquarium water has lots of fertilizer, club soda that has lost its fizz. Pouring boiling salt water on weeds kills them. Spot treat only to avoid killing grass and other desirable plants.

 

Our Thoughts Are With Them

During these difficult times, remember to say a prayer for our brave men and women in the military to keep them safe. And don’t forget those brave rescue workers in NYC and Washington DC. God bless America!!

 

 

Do You Have A Tip to Share With Us?
If you have a tip to share with us, please call us at (239) 248-7734 or email it to  nstern@naplessunrealty.com.  It can be anything related to the home, to travel or just something  to help us get through the day.  We’ll try to print it in the very next edition of Norm’s News.

Norm’s News is published periodically for the sole enjoyment of our readers. 


 

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Contact Norm
239-248-7734

email norm

3757 Tamiami Trail North
Naples, FL  34103



 

 

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