Friday, May 16, 2014

LIVING WITH INTENT

“The only person you are destined to become is the person you decide to be.”
-Ralph Waldo Emerson               (1803 - 1882); Philosopher, Poet, Author, Essayist

Living in a reactionary pattern of crisis-of-the-moment management has the unpleasant side effect of distracting us from making the most of our unscheduled time. 

When the day’s demands lift, we’re all too happy to flop down and look for a little mindless recovery. On one hand, it’s understandable: Our brains need a break! On the other, we may be missing out on a great opportunity.

In life, there are activities which recharge us mentally and physically. Generally speaking, reality television and involved political arguments on Facebook are not. But activities like brisk walks, reading imaginative fiction, and building a couch cushion fort with your kids can be.

Who we become has more to do with what we choose to do with our unstructured time than it does our “must do” time. What you decide to do in this time will shape your character and the quality of your life far more than you might think. The easiest thing in the modern world is to ride a tide of distraction. With a little discipline, though, we can live a life of intent.

So how do we develop a practice of living with intent? Here’s a tip: Look at your schedule for the week and identify a few times when you’re most likely to have unstructured time. Now, structure it a little. Don’t build yourself a fresh fortress of to-do lists, but make a plan to pursue something that recharges you and reinforces the direction you want to go.  

I think if you practice this tip for mindful living you’ll find the truth at the heart of the Emerson quote. 

Wishing you health and happiness,
Valerie McConville, REALTOR®

Tuesday, May 13, 2014

HOME BUYING CHECKLIST: THE PROCESS OF BUYING YOUR NEW HOME

Once you've made the decision to buy a home, it's time to start thinking about what comes next.  Every buyer needs a check list that will guide them through the process of searching for the perfect home, evaluating their choices and making a purchase. 

Learn The Lingo

When you set out to buy a new home, you will need to familiarize yourself with various real estate terms, conduct research on the market value of homes in the area in which you intend to shop and learn the art of negotiation.  This information will help as you browse homes, talk with REALTORS® and get further into the buying process. 

Get A Free Credit Report 

Every 12 months, you are entitled to request a free copy of your credit report from each of the three major credit reporting agencies - Equifax, TransUnion and Experian.  You should make this request before you begin looking at homes in order to allow yourself enough time to identify and dispute any inaccuracies in your credit file(s).  When you approach a lender, you will need to make sure that everything is correct and up-to-date. 

Get Pre-qualified

Pre-qualification is different than pre-approval in that it gives you a possible price range that you can afford, but does not guarantee you the loan.  Pre-qualification is important because it will help you narrow your search to include only homes that you can afford.  Knowing what you can pay beforehand will save you both time and disappointment in looking at homes that do not fit your budget. 

Speak With A REALTOR® 

Nobody knows the real estate business like a REALTOR®, so let them help you to find your new home. Based on your specific requirements, a REALTOR® can locate a home that will suit you at a price that's within your budget.  When he/she finds one or more possible candidates, you will be invited to tour the home.  At this point, you should take a camera for the purpose of later reviewing each house with visuals instead of relying solely on memory. 

Make An Offer 

Once you find the perfect home, make an offer that's less than you are actually willing to pay.  This way, the seller can make a counteroffer that would hopefully still be within your budget.  It's important to familiarize yourself with the art of negotiation so that can learn how to get the best deal without insulting the seller.  If you have not yet been pre-approved, make sure that your offer is contingent upon your being able to obtain the necessary financing. 

Obtain A Loan 

Once you and the seller agree on a purchase price, you may be required to provide an earnest money deposit that will secure the home as you obtain a loan (if applicable).  A lender will require a home inspection and appraisal for the property in connection with your loan application.  In most cases, you will know within 24 hours whether or not your application is approved, but the actual closing will not occur until the inspection and appraisal are complete. 

Get Moving 

Now that the papers are signed and you have the keys to your new home, it's time to get moving - literally. Remember to decorate your new home and add all of those special touches that reflect your personality. After all, a house is only a house until you make it a home.

Friday, May 9, 2014

FIVE WAYS TO ACHIEVE A GORGEOUS LAWN

Spring is here, and it's time to truly make your landscape shine!  After all, one of the joys in owning your own home is attending to and personalizing your own yard!  

Since the focal point of most landscaping is the lawn (also one of the trickiest things to maintain), I'm including a special list of tips and tricks to help you whip your lawn into perfect shape.  Giving special attention to the lawn now will help to keep it healthy throughout the summer; I hope you find this list to be as helpful as I have!

Water = Green: Water is one ingredient that your lawn cannot live without, so make sure that you've got a great routine in place for keeping the lawn damp.  If you have a good sprinkler system installed, you're already a step ahead of the game!  If not, make sure that you're reaching all areas of the lawn if watering by hand or by moveable sprinkler.  Water in the evening or very early morning for best results, but don't overdo it!

Know how to mow: Make sure your lawn mower has sharp blades; mowing with dull blades can tear the grass, altering its healthy appearance.  Also, the more often you mow, the healthier your grass will be!  Mow the lawn at least once per week for optimal results.

Fertilize and vitalize: Invest in a good fertilizer and use it regularly for the thickest, greenest grass.  Ever wonder why the fairways and greens on a golf course manage to look beautiful throughout the year?  Fertilizer is the key to the greens keeper's success.  For the greenest grass possible, purchase a fertilizer with iron content.

Weed it out: Weeds are an obvious eyesore when it comes to the care of your lawn, and you've probably noticed how quickly they can grow.  With a good fertilizer program in place, you'll get a step ahead of weeds in no time.  For the pesky, hardier plants, manage the growth with a little weed spray (or dig them out by hand for best results).

Don't get bugged: Lawn pests are not just annoying; they are bad for the grass.  If you're properly watering, fertilizing, and mowing your lawn, but still have an insect or pest problem, try aerating the lawn; this should help to eliminate the little buggers!

Please remember that if you have any need for household advice or tips-or would like to discuss any real estate questions-I'm always available at valeriemcconville@realtyexecutives.com or visit my Web site at www.valeriemcconville.com.

Wednesday, May 7, 2014

COUPLES ADVICE: SHARE PRIORITIES WHEN HOME BUYING

When a couple agrees it’s time to move, does that mean the couple has the same house in mind? Here’s a simple exercise for making sure you and your partner share a vision for your next home before the search begins.

It starts innocently enough one Saturday morning. Maybe you find yourself wishing you could host family at your house. Maybe you’re already dreading the long Monday morning commute. You look up at your partner and say: “You know, maybe we should think about moving.” To your surprise you hear: “I’ve been thinking the same thing. Let’s start looking tomorrow!”

Not so fast! Knowing that you and your partner want to move isn’t enough to begin your home search in earnest. Before you jump the gun and a start going to open houses, it’s a good idea to determine what’s behind the desire to move. Is it the neighborhood? Is it the commute? Is it the lack of space? If you don’t get an idea what’s behind your urge for a new house, you could end up house hunting with mismatched priorities.

Without a mutual understanding, you can end up wasting a lot of time looking at homes which don’t have a hope of satisfying your needs. Without articulating your needs to one another, you could end up fighting without knowing why. Worse, you might decide to spend more than you can afford in order to accommodate each disparate desire. 

Here’s a simple exercise to ensure you share your home priorities with one another:

Step 1: Set time aside to separately make lists of the factors which inspired you to consider moving. List your motivating likes and dislikes. Write them down, and don’t share these with each other yet.

Step 2: List everything you’d like to have in your next home. Again, do this separately. Be free, list everything. Be specific. Don’t hold back. Let it rip to get the ideas flowing.

Step 3: Look at your list and draw a box around what you consider a NEED. After that, draw a circle around everything that’s reasonable to WANT. Again, do this alone.

Step 4: Rank your needs in order of importance. Rank your wants from highest to lowest.

Step 5: Once you’ve created your list, get together with your partner and compare lists. It’s unlikely everything will match up perfectly. Talk it out. See where you can compromise.

Step 6: Make a third list together of ranked NEEDS / WANTS. Congrats! This is the home you’re really looking for.

The final step? 

Get in touch with me to help you find that home! valeriemcconville@realtyexecutives.com

Saturday, May 3, 2014

PROTECT YOURSELF FROM BIDDING BURNOUT AND SAVE MONEY ON YOUR HOME

Did you know the more homes you bid on and lose, the more likely you are to pay too much for a home? 

Here’s a primer on the phenomenon of “bidding burnout” and what you can do to avoid it.

As real estate markets continue to improve, and the neighborhood you’ve had your eye on is suddenly the “hot spot” on the map, there’s a real risk you could end up paying too much for your next house. One of the major culprits? A little phenomenon called “bidding burnout.”

There’s a serious emotional roller coaster associated with finding the right home, putting in an offer, discovering you’re in a competing offer situation, and then losing the home to someone who’s willing to pay more, or can squeak through on an all-cash deal. The highs and lows can take a real toll. Just when you’ve imagined what it will be like to put the hunt behind you, you feel like you’re back to zero.

When it happens once, it’s a hassle. When it happens five times? It’s downright traumatizing!

Bidding burnout sets in when you find yourself too fatigued to hold firm on what you’re willing to spend, and you begin making major financial decisions based on the desire to simply “be done with it.” You may have been pre-approved for $500,000, but had been planning to only spend $390,000. Suddenly you find yourself itching to pull the trigger on your full pre-approval, even though a little voice is telling you paying the premium will cost you in the long run.

In addition to paying too much, bidding burnout often leads to compromises in other areas. Before long, you’re looking beyond the borders of the neighborhood you’d wanted. Rationalization sets in: “What’s an extra 10 minutes added to my commute?” And: “Maybe it’s not that big a deal to settle for a different school district.” Full fever sets in when you find you’re far, far away from all of the qualities you told yourself were “must haves” for your next home.

While there are times where spending a little more may be justified, it can be wise to regroup and cool off before chasing the next listing. A professional agent will understand if you need to sit out a few rounds and see what develops. They’re also willing to help talk you through your priorities for the home again and see which, if any, compromises should be made first.

I love helping buyers find the right home for the right price. Don’t succumb to “bidding burnout”! Contact me today: valeriemcconville@realtyexecutives.com

Thursday, May 1, 2014

CHARM, DIGNITY, AND CHARACTER...Best describe this...


Overview
Maps
Photos
Features
Neighborhood



















$370,000
Single Family Home
Main Features
6 Bedrooms
3 Bathrooms
Interior: 1,967 sqft
Lot: 5,928 sqft
Location
9203 107 Avenue
Edmonton, AB T5H 0T3
Canada

Valerie McConville

Valerie McConville

Realty Executives Devonshire
(780) 449-2800
valeriemcconville@realtyexecutives.com
http://www.valeriemcconville.com/

      


Listed by: Realty Executives Devonshire

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NEW LISTING! CHARACTER AND CHARM DESCRIBE THIS HOME!


Hi everyone! I have a new listing. Check it out. If you have any buyers in the Edmonton area looking for a great property, this may be it! Great character home. Call me today! (780) 700-8638
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