Tuesday, September 30, 2008

Jambalaya Jam Classic

Events include:
5K/ One mile Fun Run 8:00 am
3 on 3 basketball tournament 9:30 am

Saturday, November 1, 2008
At the YMCA @ Lamar-Dixon Expo Center
Registration Deadline: October 29, 2008
For Sponsorship & Registration Form Information
Contact Jason at 225.647.9622 or jvandevuss@ymcabatonrouge.org
www.ymcabatonrouge.org

Friday, September 26, 2008

Complimentary Services

Here at RE/MAX Excellent Properties we Provide Many Services to Our Past and Present Clients. A few of Complimentary Services are listed below.

  • Free Notary Services to Our Clients! Our clients have the convenience of a Notary at their finger tips. At no charge to our clients, we provide Notary services 7 days a week.
  • Our clients move for FREE! When moving, our clients have the benefit of our “Sandy’s Team” moving van. The van is also available for school functions, charitable events and our past clients.
  • Survival Kit! Moving is Stressful…
    We provide a “Sandy’s Team” Survival Kit filled with the essentials for making the move as comfortable as possible.
  • FREE “Concierge” Services includes use of our fax machine and wireless Internet.

Wednesday, September 24, 2008

Financial Market

As you hear about one financial disaster after another, you can't help but wonder how safe your own cash is during these times. Financial institutions across the country are getting a multitude of calls from concerned, and sometimes, panicked consumers. Bank deposits are guaranteed by the Federal Deposit Insurance Corporation(FDIC) up to $100,000 per person, per insured institution. Most retirement accounts are also insured up to $250,000. Those consumers with more than$100,000 in savings often split their money between institutions in order to get around the $100,000 max per individual. If you don't want to spread your wealth between banks, you can also open accounts as trusts for your children or a joint account with a spouse. Another option which is gaining in popularity is the POD trust account (payable on death). When setting up the account, a beneficiary or beneficiaries must be named who will receive the money when the accountholder dies. There are certain guidelines and limitations so you need to check with your bank for more information. The Wall Street Journal has a few additional suggestions for safeguarding your money which are featured below. They have also given readers ten ways in which you can protect your money during a financial crisis. Brokered CDs. Buying multiple certificates of deposit at once through a brokerage firm provides a fast way to spread out money across different institutions, capturing the full FDIC protection. CDARS. This deposit-placement service, short for Certificate of Deposit Account Registry Service, disperses deposits into different individual CDs of up to $100,000 each, up to a maximum covered amount of $50 million. Retirement accounts. Money deposited in IRAs, Roth IRAs and certain other retirement plans is insured up to $250,000. Credit unions. Deposit insurance for credit unions works in much the same way as FDIC insurance does for banks and thrifts, except that the funds are insured by the National Credit Union Share Insurance Fund. Revocable trusts. Under this estate-planning strategy, the owner assigns beneficiaries but retains control of the assets during his lifetime. The FDIC insures the interests of each beneficiary up to $100,000 each. Along with the POD account mentioned above, others are formal trusts, which are typically set up by an estate attorney. Even in troubled times as these, the odds of your bank failing is slim. While the FDIC won't release names of banks they are keeping an eye on, you can go to http://www.bankrate.com/brm/safesound/ss_home.asp to find out the "relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions". If you do not have funds in an institution not insured by the FDIC, then to be on the safe side, now is the time to move it.

From: MyHomeManagementClub.com

Thursday, September 18, 2008

Have you visited the Quarters at Dutchtown???

Is there anything more inviting than a stroll through the Battery in Charleston, or through the cool, open spaces of Savannah's historic parks? We invite you to visit The Quarters at Dutchtown in Prairieville and find out for yourself. Located along Highway 73 in Ascension Parish, and conveniently situated between I-10 and Airline Highway, The Quarters at Dutchtown offers homeowners a unique community and a unique lifestyle. As you enter by a cascading fountain and wind past a private lake, you know there are surprises awaiting you. But none surpass the one and two level homes that offer exciting open floor plans, incredible interior courtyards, balconies, tall ceilings, and a community filled with interesting details and special touches.If you would like to schedule a personal tour, please contact our office at 225-677-7653. You can also see pictures and virtual tours on my website at www.sandyco.com

Tuesday, September 16, 2008

When is the best time to buy?

After the latest news on Lehman, how does that affect 1st time home buyers? Now is an excellent time for 1st time home buyers. You qualify for the $7500 tax credit, plus the inventory of houses is high, so there is a lot to choose from. The financial tragedy with Lehman should have no affect on your purchase.

Friday, September 12, 2008

Capital Regional Builders Association (CRBA) URGES CAUTION IN HOME REPAIR CONTRACTING

New Release
For Immediate Release
Lynda Evans; 225-769-7696; lynda@capitalregionba.com


CRBA URGES CAUTION IN HOME REPAIR CONTRACTING

The Capital Regional Builders Association (CRBA) has issued important information on contracting for home repair and construction contracting services post-Gustav.
"We know there is massive damage to homes throughout the region and that many in the area will be contracting for repairs. We are alerting consumers that "buyer beware" is the best policy in contracting for work, particularly if it involves out-of-state contactors," said Joe Didier, CRBA president. "We are already getting calls at our association office from area consumers about contractors who do not have valid insurance and licenses," he added. "We want community members to act with caution. Our best advice is to verify their coverage and licenses."
The Capital Region Builders Association has made the following suggestions to area residents in need of contractors.

· When repairing disaster damage, beware of unscrupulous or unlicensed contractors.
· Don’t rush into repairs, no matter how badly they’re needed.
· Don’t just hire the first contractor who comes along or be victimized by someone making a door-to-door presentation offering to do repair jobs on the spot.
· Proof of insurance from the insurance carrier for both liability insurance and workmen’s compensation, is necessary. This should be verified with the insurance company issuing certificates as CRBA has heard of bogus certificates being circulated. Be aggressive and verify the coverage; do not take the word of the contractor or a copy of his certificate, but rather CALL THE INSURANCE COMPANIES and verify the coverage. Some unscrupulous contractors are giving out phone numbers that are not legitimate.
· Consumers should get addresses, telephone numbers and driver 's license numbers of all contractors making repairs of their homes. CRBA recommends taking a photo of the contractor and the vehicle showing the company name and license plate number.
· Make sure contractors are properly licensed. The out-of-state contractors are required to register with the Louisiana State Licensing Board for Contractors. Their licenses can be verified at www.lslbc.louisiana.gov or calling 225-765-2301.
· Get a signed contract on all work to be performed on the property. The contract should include a price for doing the work, a scope of work, addresses and signatures of the homeowner and contractor and telephone numbers for all parties. If the contract is for temporary work only, this should be stated on the contract. Don’t sign anything until you fully understand the terms.
· Building material and supply dealers are not likely to issue credit to out-of-state contractors unless they are well known in the state they originate from and have excellent credit. To avoid paying up front for materials that are never delivered, homeowners should consider purchasing the materials themselves directly from local dealers. Doing so would guarantee the quality of the materials used in the repair work. If the contractor is purchasing material, homeowners should require a copy of the paid invoices and/or lien waivers for labor and materials for work performed on their property.
· A down payment may be required, but is generally not more than 10% to 25% of the total contract and should not be paid until all of the above documentation is received and verified. Don’t let payments get ahead of the work. Keep records of payments and don’t pay in cash. The final payment should not be made until you are satisfied with the job and any required building inspections by the parish have been made and approved.
· Should any of the above mentioned documentation be refused or not provided, a RED FLAG should be raised in the homeowner’s mind. A reputable contractor will not hesitate to provide this information.

The Capital Region Builders Association's website has additional information and sources for licensed and insured contractors at www.capitalregionba.com. Their phone number is 225-769-7696.

Friday, September 5, 2008

Why Do REALTORS Net More Money Than FSBO’s?

Some sellers mistakenly think they can save money by excluding a Realtor. Invariably, they learn the hard way that selling a home is an extremely complex and time-consuming undertaking and that, in the end, the savings might not even exist. These sellers usually don’t reduce their price by the amount of the commission they would have paid, in hopes of pocketing the perceived profit. Likewise, buyers take into account that there are no commissions to be paid and reduce their offers accordingly. So, many sellers end up right where they would have been price-wise if they’d used a Realtor’s service, but without any of the benefits of the expertise of this professional.

Not utilizing a Realtor’s services also means your property will not be marketed through MLS or shown to the largest pool of potential homebuyers. Most important, when it comes to knowing the intricacies associated with this transaction, working without a Realtor is like bungee jumping without measuring the height of the bridge first. For instance, there are mandatory disclosure rules a seller must follow and the seller is liable for damages if he or she fails to do so. The entire escrow is extremely tedious and complex – miss one crucial step and there can be delays, cancellation, even lawsuits.