Yes you heard here...Santa's first visit to Pensacola will be at CiCi's pizza, located at 7145 N.9th Ave. Saturday from 3:30 to 5:30 November 21st 2009. Bring your camera and take all the pictures you like. It is rumored that he will have a few gifts and lots of candy. Be one of the first kids to see hime this year. Call 850-478-8811 for further details and to see where his next stop may be.
Charles Stallions, CRS, CSP, CBR, CDPS, - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment.
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THOUSANDS OF HOMES.... One Address www.charlesstallions.com
Pensacola, Pace and Gulf Breeze Homes for sale
6 Overlooked Insurance Policies
When insuring your assets, one misstep can leave you with an expensive loss. "Never risk more than you're prepared to lose," says Jack Hungelmann, a veteran insurance and risk management specialist and author of "Insurance for Dummies." My friend Melissa Neiman has given me a new idea on the subject of insurance.
Experts typically urge people to purchase insurance coverage in five risk areas: major medical bills, destruction of home, major lawsuits, long-term disability and premature death, Hungelmann says. "A good insurance program is a balanced one that covers all five major risk areas," he says.
But what about less obvious forms of insurance? In some cases, a little extra coverage may go a long way toward securing your financial future. Following are six policies you might need, even if you don't realize it.
Backup of sewer and drain coverage
This type of policy covers damage resulting from backup of the sewer system, as well as sump pump overflow. Such damage may result from flooding due to heavy rainfall during a power outage.
Coverage for a sewer or drain backup is recommended if your home is connected to a public sewage system, especially if you have a finished basement and a sump. Your need is even greater if you live in an area with considerable rainfall.
"Claims from standing sewage (or) water in a home can easily be in the tens of thousands of dollars," says Bill Wilson, associate vice president of education and research for the Independent Insurance Agents & Brokers of America and director of Big "I" Virtual University.
Coverage for a sewer or drain backup is typically inexpensive, costing $50 per year on average, Wilson says. That makes the coverage a relative bargain for an event that occurs more often than some might think. "While losses aren't common, they aren't rare," says Wilson.
Hungelmann says it's important to choose the right amount of coverage for any disaster that might strike.
"If your basement fills with sewage or flood water, you're going to have a real mess on your hands," Hungelmann says. "Be sure that you have enough coverage to rebuild if such damage occurs."
Identity theft coverage
Identity theft coverage pays for out-of-pocket costs to restore your identity if you fall prey to this growing crime. Such costs may include legal fees, long-distance phone charges and other expenses you incur while trying to clear your record.
According to Wilson, some insurers are now providing limited identity theft coverage for free. This protection often is offered as part of a homeowners policy. "Otherwise, it typically costs between $30 and $80 (annually), but the coverage amount varies widely from a few thousand (dollars) to five figures," he says.
Although Hungelmann says identity theft insurance is not crucial, he believes many people can benefit from the coverage. He suggests purchasing coverage that includes the services of a coach who actually walks you through the process of restoring your identity.
"An identity theft recovery coach will tell you what your rights are, send you sample letters, let you know who to call and stay with you until the problem is resolved," Hungelmann says. "Having a coach is 80 percent of the value of this type of insurance."
Business in the home coverage
This type of coverage protects home office furniture, equipment and supplies used for business purposes. It's a good idea for anyone who keeps at least a few thousand dollars worth of these items in their home, Wilson says. "Most homeowner policies limit coverage for damage to property used in a business to $1,500 or less on the premises and $500 or less off the premises," he says.
Many standard homeowners policies cover property as long as it is not used "primarily" for business purposes, he says. "So, if you used your home PC occasionally for business, the limitation probably would not apply," Wilson says.
However, other homeowner policies will not cover any furniture or equipment that is used for business purposes at any time. "Under that restriction, the limitation would apply to a home PC if it's ever used for business," Wilson says.
Business in the home insurance also covers liabilities that most standard homeowners policies do not. For example, this type of coverage would protect you if a client comes over for dinner and ends up with food poisoning, or trips and falls in your home and is injured.
The cost for this type of coverage depends in large part on the type of business and the value of its contents and inventory. Therefore, adding such coverage may cost as little as $75 per year, or may exceed $300 annually.
Car loan/lease coverage
The second you drive your new car off the lot, its value diminishes significantly. If you accidentally total the new vehicle minutes after purchase, your auto insurance policy will only reimburse you for the depreciated amount of the car. However, you will still be responsible for the full balance of the loan or lease.
Therefore, many people who buy or lease a new car with little or no money down can benefit from loan or lease coverage. "Given the current state of the auto market -- where down payments are often minimal -- this is a coverage car buyers might consider," says Wilson.
This type of insurance is often offered by a dealer, but you don't necessarily have to accept it. In many cases, you can save money by purchasing the coverage from your own insurance agent, Hungelmann says. "You don't necessarily have to buy this coverage from the dealer, even though they'll probably try to sell it to you," he says. "Check with your insurance company first, because the dealer's price will often be five to 10 times more expensive than the insurance company's."
Typically, six months of this coverage will cost around $25 when purchased from an insurance company, says Wilson.
While loan/lease coverage makes sense for many people, it probably doesn't make sense for those who have a little equity in the vehicle, Hungelmann says.
Earthquake coverage
If you live in Florida or Ohio, earthquake insurance probably is not crucial. But experts strongly suggest this type of coverage for those who live in earthquake-prone areas.
Wilson says costs for this type of coverage "depend entirely on where you are, home construction and value." An average home in what's considered a fairly high-risk area could be several hundred dollars (more in California).
The cost of earthquake coverage varies and is likely to be more expensive in areas at particularly high risk for such natural disasters. "It's typically more than flood insurance relative to the risk because it isn't subsidized," says Wilson.
Despite the importance of such coverage, Hungelmann estimates that only 20 percent of people who live in earthquake-prone areas actually have earthquake coverage. "Don't wait until the last possible moment," Hungelmann says.
Off-road recreational vehicle coverage
If you own an all-terrain vehicle, or ATV, golf cart or other similar off-road recreational vehicle, consider this type of coverage, which can run as little as $10 a month, according to Hungelmann.
Wilson also says off-road recreational vehicle coverage may be worth considering. "Most homeowner's policies only cover damage to motor vehicles that are used to service the premises or assist the handicapped," Wilson says. "If you want to insure damage to an off-road recreational vehicle, then a special policy is usually needed."
These policies typically provide liability coverage for the use of owned off-road recreational vehicles only while on an "insured location" -- which, for the most part, is your own premises, Wilson says. "If you ride your four-wheeler in wooded areas for recreation, hunting, etc., unless that property is declared on your homeowner policy, you generally have no liability coverage."
He adds that, by allowing someone else to "ride on or operate your ATV, you are a candidate for a lawsuit that could be in the millions." For this reason, he recommends both off-road recreational vehicle coverage and an umbrella policy.
Charles Stallions, CRS, CSP, CBR, CDPS, - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment.
______________________________________________________________________________________________
THOUSANDS OF HOMES.... One Address www.charlesstallions.com Pensacola, Pace and Gulf Breeze Homes for sale
Looking for a home to rent, sell or buy in Pensacola, Pace or Gulf Breeze Florida then this site was designed with you in mind. E-mail charles@charlesstallions.com for a complete list of foreclosures, short sales, homes for sale or for rent in Pensacola, Pace or Gulf Breeze Florida area. Charles Stallions Real Estate Services located at 139 East Burgess Rd. Pensacola, Florida 32503 has a 6 member team, including experts on Loan Modifications, a Certified Residential Specialist,a Distressed Property Specialist with over fourteen years in real estate dealing in foreclosures, first time home buyer programs and investor sales. We offer full time, full service Property Management in Pensacola, Pace or Gulf Breeze Florida.Click here to view Homes for sale in Pensacola Florida or search pensacolamls for new homes on the market.
Flat Fee of $2995 to SELL or MLS $1495 + 3 %
We offer Property Management for $50. flat fee monthly
Call Now 800-309-3414 for over the phone evaluation and NO Obligation
3 bed/ 2 bath Completely remodeled and move in ready! Fresh paint throughout, new carpet, tile, ceiling fans, hot water heater, and outlets. A/C only a couple of years old and has recently been serviced. Large kitchen with new cabinets, counter tops, sink, faucet, built in microwave and dishwasher. Nice size back yard with a new privacy fence. Exterior of home is in the process of also being repainted.
Both Properties to be auctioned by sealed bids in a Round Robin Style Auction. Mortgage Company will be on hand if buyer should need financing. Call Charles Stallions 850-324- 5109 for detail of how this auction works. Doors will open at 8am to 5pm with decision by 6pm.
3 bed / 1 bath ** Cottage Style Home in the Downtown Area ** Just minutes from Downtown Business District, Dining, Shopping and NAS ** This House has had New Carpets, Fresh Paint, Roof,Some Updated Plumbing ** There is a Roomy Screened Porch(13.6x8) for Cool Breezes and Relaxing ** Spacious Master Bedroom and Two Additional Bedrooms ** Eat-in-Kitchen with Adequate Cabinets and Counter Space, Refrigerator and Stove ** The Yard is Totally Chain Link Fenced for Kids and Pets Safety *** Move in Ready ***
Charles Stallions, CRS, CSP, CBR, CDPS, - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment. ______________________________________________________________________________________________ THOUSANDS OF HOMES.... One Address www.charlesstallions.com Pensacola, Pace and Gulf Breeze Homes for sale Looking for a home to rent, sell or buy in Pensacola, Pace or Gulf Breeze Florida then this site was designed with you in mind. E-mail charles@charlesstallions.com for a complete list of foreclosures, short sales, homes for sale or for rent in Pensacola, Pace or Gulf Breeze Florida area. Charles Stallions Real Estate Services located at 139 East Burgess Rd. Pensacola, Florida 32503 has a 6 member team, including experts on Loan Modifications, a Certified Residential Specialist,a Distressed Property Specialist with over fourteen years in real estate dealing in foreclosures, first time home buyer programs and investor sales. We offer full time, full service Property Management in Pensacola, Pace or Gulf Breeze Florida.Click here to view Homes for sale in Pensacola Florida or search pensacolamls for new homes on the market. Flat Fee of $2995 to SELL or MLS $1495 + 3 % We offer Property Management for $50. flat fee monthly Call Now 800-309-3414 for over the phone evaluation and NO Obligation
AND YOU CAN TOO...
When you decide to sell your home, you want the highest possible return from its sale. Determining price is the most critical step in preparing your home for sale.
Obviously, pricing your property too low won't provide the best return. You are apt to be deluged with lookers and may get many offers, but you could lose thousands of dollars on your family's largest investment.
Likewise, pricing a property too high is risky. Homes priced too high miss their target market. Qualified buyers who might find the home just right for their needs won't see your home, or make an offer on it, because it is out of their price range. If they are shown an overpriced home during its early marketing stages and do not buy because it isn't a good value, they are unlikely to revisit your home once the price is lowered. Real estate agents will hesitate to show an overpriced home, unless it will make a competing property look like a better value.
Many home sellers make a mistake by implementing the 'let's try it and see' pricing attitude. But testing the market can be dangerous. A property receives its best exposure during the first three to five weeks on the market.
If your home is priced right from the outset, you maximize your opportunity of reaching the most qualified buyers. Buyers who have seen most available homes in their price range are waiting for the right house to come on the market. This is why a well priced home often sells quickly once it is put on the market.
Multiple listing association statistics show that the longer a home is on the market, the lower the selling price. The home becomes stale and a price reduction results.
Pricing a home is part art and part science. It's based on hard evidence by looking at sale prices for comparable properties. But, no two homes are identical. That means the evidence must be evaluated by an experienced sales associate, like myself.
The right price really is the right price range to attract the maximum number of qualified buyers within a time frame that suits the sellers' needs. Pricing strategy depends on the market conditions at the time your home is put up for sale. It can best be determined by an agent who is active in the market, who constantly views homes and is monitoring the changing market conditions.
If you need help to determine the right price for your home, in order to sell your home in the least amount of time for the highest return, please contact me for a comparative market analysis and consultation.
Charles Stallions, CRS, CSP, CBR, CDPS, - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment. ______________________________________________________________________________________________ THOUSANDS OF HOMES.... One Address www.charlesstallions.com Pensacola, Pace and Gulf Breeze Homes for sale Looking for a home to rent, sell or buy in Pensacola, Pace or Gulf Breeze Florida then this site was designed with you in mind. E-mail charles@charlesstallions.com for a complete list of foreclosures, short sales, homes for sale or for rent in Pensacola, Pace or Gulf Breeze Florida area. Charles Stallions Real Estate Services located at 139 East Burgess Rd. Pensacola, Florida 32503 has a 6 member team, including experts on Loan Modifications, a Certified Residential Specialist,a Distressed Property Specialist with over fourteen years in real estate dealing in foreclosures, first time home buyer programs and investor sales. We offer full time, full service Property Management in Pensacola, Pace or Gulf Breeze Florida.Click here to view Homes for sale in Pensacola Florida or search pensacolamls for new homes on the market. Flat Fee of $2995 to SELL or MLS $1495 + 3 % We offer Property Management for $50. flat fee monthly Call Now 800-309-3414 for over the phone evaluation and NO Obligation
1. Set a price limit for the amount spent on a gift.
2. If the party is for men and women, make sure the gifts appeal to both.
3. To determine who goes first, you can draw numbers, play bingo or do it alphabetically.
4. The first person chooses a gift. The second person who chooses a gift may keep that one or she is allowed to take a gift from another player. And so on.
5. Once a gift has been "stolen" twice, it is considered "dead" in the game and can't be stolen anymore. So, the guest who steals the gift for the second time will get to take that gift home at the end of the night.
6. Some people like to play Dirty Santa with gag gifts.
7. Remember, taking gifts from your friends is done all in the name of fun. Keep the game clean, and don't be mean while taking gifts from your friends. Otherwise, you may be celebrating the Christmas party of 2010 all by yourself!
Charles Stallions, CRS, CSP, CBR, CDPS, SREE, EREI - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment. ______________________________________________________________________________________________ THOUSANDS OF HOMES.... One Address www.charlesstallions.com Pensacola, Pace and Gulf Breeze Homes for sale Looking for a home to rent, sell or buy in Pensacola, Pace or Gulf Breeze Florida then this site was designed with you in mind. E-mail charles@charlesstallions.com for a complete list of foreclosures, short sales, homes for sale or for rent in Pensacola, Pace or Gulf Breeze Florida area. Charles Stallions Real Estate Services located at 139 East Burgess Rd. Pensacola, Florida 32503 has a 6 member team, including experts on Loan Modifications, a Certified Residential Specialist,a Distressed Property Specialist with over fourteen years in real estate dealing in foreclosures, first time home buyer programs and investor sales. We offer full time, full service Property Management in Pensacola, Pace or Gulf Breeze Florida.Click here to view Homes for sale in Pensacola Florida or search pensacolamls for new homes on the market. Flat Fee of $2995 to SELL or MLS $1495 + 3 % We offer Property Management for $50. flat fee monthly Call Now 800-309-3414 for over the phone evaluation and NO Obligation
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