October 2014

Found 17 blog entries for October 2014.

Happy Halloween

Halloween is a traditional holiday celebrated on October 31st. These days, children celebrate Halloween by dressing up in costumes and going door to door trick or treating collecting alot of candy and toys. Adults usually celebrate with costume parties, haunted houses and other activities with ghosts, witches, Dracula, werewolves and other supernaturals.

Halloween began as an ancient Celtic festival in Great Britain and Ireland, and is still most celebrated among the Irish, Scottish and Welsh. Immigrants from these communities carried on the tradition in North America where it is still very popular. Now it is part of an American pop culture, Halloween has spread in popularity to most of the English speaking western world, and

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Restitution for Data Throttling


The Federal Trade Commission filed a federal court complaint against AT&T Mobility, LLC, charging the company for misleading millions of its smartphone customers by charging them for “unlimited” data plans and then reducing their data speeds, in some cases by nearly 90%. The Federal Trade Commission is is seeking millions of dollars in reimbursements for customers who were promised unlimited data plans by AT&T, then have their mobile network speeds slowed in a practice known as data throttling.

The federal complaint filed in San Francisco, in October of 2011, AT&T began reducing speeds for customers who went above amount of monthly data usage, determined by AT&T. Customers could see their network speeds

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Even With Lower Mortgage Rates

Lower mortgage rates in September did not urge potential home buyers to purchase. Signed contracts to buy homes were stagnant for the month, rising just 0.3%  from August, according to the National Association of Realtors. Pending home sales are now 1% higher than September of 2013, which is the first yearly gain in 11 months.  "Housing supply for existing homes was up in September 6 percent from a year ago, which is preventing prices from rising at the accelerated clip seen earlier this year," said Lawrence Yun, chief economist for the NAR. "Additionally, the current spectacularly low mortgage rates should help more buyers reach the market." 

While the average rate on the 30-year mortgage was very close to

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Imagine No More Mortgage Payments

Buying a house is one of the largest investments that people make in their lifetime. But, along with the house comes large monthly mortgage payments that take years and years to pay off. Many people don't even consider the idea of paying off their mortgage early, but to many to be able to pay off a mortgage can be freeing and exhilarating event. According to the U.S. Census data about 34% of homeowners in the U.S. are mortgage free.

The stories about people who pay off 30-year mortgages after 30 years in the same home are more rare than they used to be. But the recent housing foreclosure crisis did help as an incentive for homeowners to pay off their loans sooner rather than later. Jackie Beck, created "the Pay

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Good Credit Pays Off

 

The director of the Federal Housing Finance Agency (FHFA) Melvin Watt, announced Monday (Oct. 20) the plans to increase the amount of mortgage to borrowers that have maintained and are in still good standing with their credit, but don't have enough money for a down payment. In a speech at the Mortgage Bankers Association annual convention in Las Vegas, Watt said the FHFA would issue guidelines allowing consumers to be able to still get a mortgage who can only afford 3% to 5% down payments.

He spoke about the low-down-payment loans, saying "details are forthcoming", but the idea is part of a bigger message to lenders that rigid credit restrictions have inhibited creditworthy borrowers from becoming homeowners. For low

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Don't Let Your Mistakes Cost you Money

In real estate transactions, the stakes are very high and even the smallest mistake can end up costing thousands of dollars. Whether you’re looking to buy or sell, here are some of the most common mistakes to look out for. 

  • One of the hardest things is setting the right price. If it is priced too low, you could potentially lose money.  If priced too high, it will sit on the market for too long, which may cause buyers to wait until you’re desperate and then make you a low ball offer. The mistake many sellers make is compare prices of other homes in the neighborhood without thinking carefully about whether those home are comparable. Your first step should be to hire a home appraiser. It will cost a few
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Tis The Season

Birmingham MI Real Estate

Here it is... the beauty of cooler fall temperatures and leaves beginning their vibrant change brings the inevitability of family coming soon to visit and stay at your huse. It's about to be the season of hosting. If you're used to the last-minute scramble of urgently Googling recipes the day before Thanksgiving or making up guest beds at 3am on December 24, well, maybe you just like the adrenaline rush. Or, maybe you just need to plan ahead. We get it.

If you, and your house, are far from ready, you don't have to worry. You've got time to make it host-ready. Follow these tips for the things you need to get your house all comfy and holiday ready.

Something cozy

A well-dressed bed is a necessity for a good host. If

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How to Hire a Contractor

You have finally decided that you are going to put your plans of home improvement into action. Then you realize you have no clue where to begin and how. To get started, you will need to find a professional home renovation contractor to make sure that your house will be safely and properly remodeled. It would be helpful if you could come up with a list of items that you would like to change so you can research the ideas before deciding on the renovations.

 Word of mouth is a great way to find a contractor.-ask your friends or family. Also, online customer reviews are a great resource. On its website, the Better Business Bureau (BBB) has listed more than 100,000 reviews of general home contractors, and many

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A La Carte Channels

According to AP people were so joyous to hear last week that HBO and CBS announced plans to sell stand-alone streaming services, a move that cable and satellite television providers have resisted for years. Many customers that are tired of paying big fees for hundreds of channels they never watch just to have access to a few favorite shows might be expected to start cancelling cable service. If they can get Netflix, add HBO, add a network  — why would anyone sign up now for cable?

According to AP people were so joyous to hear last week that HBO and CBS announced plans to sell stand-alone streaming services, a move that cable and satellite television providers have resisted for years. Many customers that are tired of paying

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970 Hickory Heights Dr., Bloomfield Hills, MI

3 bedroom, 2 bathroom, 1,998 sqft

Looking for easy maintenance?  This sprawling brick ranch is located within Birmingham Schools and has had all the major mechanics updated This house is absolutely move in ready. Walk into an open entryway and you instantly feel at home.  Entertain in the open formal dining room or snuggle near the natural fireplace adorned with charming built-in book shelves situated in the bright and oversized living room. This room has a large picture window that brings brightens up the room to make it feel even more cozy.

The family room opens to a large deck and is perfect to use for a home office.

The master suite is secluded and features an updated

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