About Coeur d Alene's Hayden

Daylight Savings Time is March 8th, 2009 at 2:00 A.M

Did you know that Daylight Savings time starts on March 8th? Please move your Clocks FORWARD 1-Hour at 2:00 a.m. This change will be in effect until November 1st, 2009.

Here are some helpfull tips on how to adjust to the time change:

• Move bed time forward 5-15 minutes a night for several nights leading up to the change so it doesn't have to be all at once.
  
• This may also be a good time to adjust your child's sleep schedule. If you have a baby that has been waking up too early (like 6 am and you prefer 7 am) you could put them to bed at a later bedtime and they would be on a new schedule.
  
  
• Expose your yourself and kids to daylight early on in the day. Experts say this resets your internal clock and helps your body readjust. Open blinds and curtains first thing when we wake up, it helps my transition to daytime.
  
• Some sleep experts suggest to wake kids up at the regular time in the morning, even if they are still tired. They may be cranky a day or two, but will quickly readjust.
  
• Most experts also suggest an extra SHORT nap to help you and/or your child adjust. This article on the University of Michigan's Health System site affirms that as well as many of the aforementioned tips.

Many experts agree most should adjust to the time change within a few days, but while adjusting children may be irritable, cranky and hyper because of the loss of sleep and change in schedule.

NOTE: Also, be Sure to change the batteries in all of your devices such as carbon monoxide and smoke detectors, as well as flashlights, clocks, remote controls and other battery operated devices.

Please contact me with any of your Real Estate / Relocation / New Construction and/or Referral needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro

FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-446-0660 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
1924 Northwest Blvd
Coeur d'Alene, ID 838314

Don't Let Your Pet Kill You in an Accident - 30,000+/- Accidents a year are caused by dogs in the front seats."

The Laws of Physics don't stop. In a 35 mph crash 60 a pound pet becomes about 2,700 pounds of force (about the same as two full grown, male grizzly bears). Many people allow their pets to scoot around, unrestrained, in the back seat of the car or in the bed of a truck. It's safer for everyone in the vehicle if a dog or cat is restrained. A recent American Automobile Association (AAA) survey found, "A large number of accidents, something like 30,000 a year, are caused by dogs in the front seats." Buckle up your pets in a car or truck to protect you, your pet and your passengers. If you have an accident, your pet can become a projectile.

According to the Bark Buckle UP Web site, 82% of dogs travel in vehicles on family vacations. A

Dr. Alicia Faggella, a Portland, Oregon, veterinarian who has had advanced training in emergency and critical care, cites several reasons why pet owners should buckle up their dogs and cats:

• Pets can cause an accident by jumping into the driver's lap, distracting the driver, or blocking the driver's vision. Small dogs can also get under the pedals;
• Pets can become "missiles" if they're in an accident - or if the driver makes a hard stop or quick turn. This can kill or severely injure not only the animal, but also the people in the vehicle;
• When left unrestrained in a parked car, pets can dislodge the parking brake, causing the car to roll down a hill - into another car or person;
• Unrestrained pets in the back of a pick-up can be severely injured or killed by falling or jumping out of a moving vehicle or hitting the cab when the truck stops short.
• An unrestrained pet is at risk of falling out of open windows in a moving vehicle, and is at risk of escaping at rest stops when car doors are opened. Dogs and cats can also be killed or injured by airbags and should always be placed in a seat that does not have airbags if the bags can't be turned off.

In an accident, animals may run loose and create problems for firefighters, emergency medical personnel and police officers responding to the already-chaotic scene of a vehicle collision. Dogs shocked from the trauma of an accident may snap at or attack strangers and could delay rescue efforts of their injured owners. After an accident, unrestrained pets can be injured and trapped under cars or may run into traffic and be hit or killed and cause another accident. Often, there aren't sufficient responders to deal with pet problems at an accident scene.

Anything done to get animals out of the front seat or restrain them will keep pets and passenger safer. Seatbelt harnesses can be purchased at local pet stores. Most harnesses have leash attachments and can be used outside of the car to walk your dog. There are other types of car restraints for pets besides a harness: a zip line that secures a dog but also lets it move back and forth, and a back seat barrier that creates a wall between the front and back seats of the car. Do some research and pick the type you think best suited to your pet. Prices for pet restraints start at around $25.

Please contact me with any of your Real Estate / Relocation / New Construction and/or Referral needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro

FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-446-0660 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
1924 Northwest Blvd
Coeur d'Alene, ID 838314

This is NEW information. They must work with you if you meet the 3-requirements below and follow the 4-steps below, and submitt a letter (sample below) or they are breaking the LAW. Please pass this information on to your Distressed Homeowners and/or Sellers. This is effective IMMEDIATELY! Most distressed home owners are not aware that they have this option.

There is already a "Bailout" for home owners that was made into LAW on June 30, 2008. As you know from several of my other Blogs we have been trying to find out how and where to direct distressed Home Owners / Seller to get this help. Finally, after 3-months, I believe I have the info we need.

Below, I have itemized the specifics and "HOW TO's" for Sellers to use this New Law, Section 1403 of the New Housing Bill (HR 3221). It requires Mortgage Services to modify loansfor homeowners and help them AVOID FORECLOSURE as long as certain requirements are met. This law requires servicers to act in the best interest of all their investors and obligates them to modify the Home Owner's loan if they can afford the modified loan terms and if the lenders are likely to recover more for their investors by working with the Home Owner than by going all the way through the foreclosure process.

Here are the 3 (three) requirements:

1. Default on the mortgage either has already happened or is "reasonably foreseeable"

2. The home owner is living in the property as his or her primary residence

3. The lender is likely to recover more through the loan modification or workout than by forcing the home owner into foreclosure.

Here is a 4-Step process for you to follow when negotiating for this "Loan Modification" with your mortgage lender.

1. Make sure you are dealing with your lender's loss mitigation and/or work out department.

2. Write a hardship letter demonstrating job loss, serious medical condition, balloon payment coming due, adjustable rate reset or some other financial calamity that will make it impossible for you to continue making your mortgage payments as scheduled. Unless you are in imminent danger of default as required by this new law, lenders are not likely to work with you.

3. Send the lender your financial statements, employment records, tax returns and bank statements demonstrating how you would be able to afford the modified loan terms under your present financial circumstances

4. Send the lender a current appraisal of your home or some documentation on recent comparable sales in your neighborhood demonstrating the current value of your home. "The key is to demonstrate how the lender is likely to recover less money through foreclosure than they would by working with you in your proposed loan modification plan.

Please click on the below URL link for a SAMPLE letter you can use to renegotiate your loan:

http://www.cmpsinstitute.org/pdf/SampleLoanModificationRequest.pdf

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

It is more important now than ever, that you price your home very competitively and have it Staged when listing your home in this market.

We currently have over 4-Years supply of Residential Homes priced $600,000 to $1,000,000 in Coeur d'Alene, Post Falls, Hayden / Hayden Lake & Rathdrum.

Supply and Demand Report
Over Last 6-Months
For 3/28/2008 To 8/28/2008
Todays date: 8/28/2008
Price Range: $600,000 to $1,000,000

Coeur d'Alene, Post Falls, Hayden / Hayden Lake, Rathdrum, Idaho.
Residential Listings Only

There are currently 254 active Residential Listings priced $600,000 to $1,000,000 in Coeur d'Alene, Post Falls, Hayden /Hayden Lake and Rathdrum.

12 Have SOLD over the last 6-Months

14 are PENDING SALE

Assuming all 14 of the Pending Sales actually close escrow, we currently have over 4-Years Supply still available.

Information is deemed to be reliable, but is not guaranteed. Prepared by Pam Jank, ABR, GRI, PPS, GRI, CRS, ABR, RRS, PPS, REALTOR® on <script type="text/javascript"></script> Thursday, August 28, 2008 8:47 PM

Please contact me with any Real Estate /Relocation / Referal needs

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315