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First time home buyers


Mon, Jul 25th, 2011
Posted in Ask the Expert

first time home buyers

Purchasing a home can feel like unfamiliar territory for first-time home buyers. Yet every day, the desire to own a home compels individuals and families to consult with realtors for help.

The stats tell the story:

*69% of renters say owning a home makes more sense than renting and 61% think homeownership is a safe investment.

*72% of renters feel homeownership is important to the economy.

*38% of renters indicate they are likely to buy a house in the next three years, compared to 16% of current mortgage holders.

(Source: Fannie Mae National Housing Survey July 2010)

benefits

Those who hope to own homes may benefit from the two current realities:

1. Many areas of the country are experiencing buyer's markets.

  That's exactly what we are experiencing in our local market

 right now.

2. Mortgage interest rates remain at historical low levels.

 If you are considering buying a home, now is the best time to buy. With many homes to choose from and low interest rates, there is no better time than now. Please give me a call and let me help you make your first-time buying experience rewarding and memorable!

BRENDA SHELDON,

507-346-2060 Spring Valley

507-424-6036 Rochester

507-951-2071 Cell

Q: In these times, is it sensible to spend the extra dollars it takes to upgrade my printing to the highest quality glossy finish available?

Mon, Jul 25th, 2011
Posted in Ask the Expert

A: High quality glossy print relays the fact that you are a top quality, successful company who can afford

the best. It is a proven fact that glossy finish pieces allow all the vibrant color to jump off the page, catch the eye of a potential ..... 
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I'm buying a new set of tires. Should I have them balanced?

Thu, Jul 21st, 2011
Posted in Ask the Expert

Yes - Balancing helps to guarantee a smooth ride at highway speeds, and it helps to maximize tire life. An out-of-balance tire can be very annoying because it produces a shake that increases in intensity the faster you go. The up-and-down shaking of ..... 
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How much Life Insurance do I need?

Thu, Jul 21st, 2011
Posted in Ask the Expert

The old rule of thumb was 5 to 8 times your annual salary. Now it seems like most of the time you hear 7 to 10 times your annual salary. But the truth is it really varies. You must determine your family's short-term and long-term needs, subtract your ..... 
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What should I do with my will if I have property in two states?

Thu, Jul 21st, 2011
Posted in Ask the Expert

If you have real property located in different states, your family may have to deal with two probates if you do not do proper planning. There are things you can do now to prevent that. First, understand that you do not need two wills. As long as your ..... 
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Q: What Are Good Ergonomics?

Thu, Jul 21st, 2011
Posted in Ask the Expert



A: According to the United States Department of Health and Human Services, ergonomics is the science of fitting workplace conditions and job demands to employee capabilities.

When lifting, follow these simple suggestions:

  ..... 
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Title transfer:Do you know if you buy a vehicle from a Minnesota licensed dealer and are a resident of Minnesota, said dealer is required to collect sales tax, title and transfer fees and license costs?

Fri, Jun 24th, 2011
Posted in Ask the Expert

This was adopted in 1990 as a way to combat people from fibbing about a vehicle's sale price and also to accelerate the pace of the state getting their income. I have 10 business days to transfer a title or I am charged a late fee. I have only had a ..... 
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