3 bedroom 2 bathroom home for sale Annapolis, MD Maryland
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The Curtis Real Estate Company : 41 Randall Street - Annapolis MD 21401 : 410-320-5227 |
3 bedroom 2 bathroom home for sale Annapolis, MD Maryland
Thankfully, human sacrifice is not yet a requirement to improve your search engine ranking. Although, if Google ever changes its criteria it is best to think about who is on the bottom of the totem pole. Refreshingly, SEO strategy starts with a very easy and basic concept, keywords.
You begin with a little brainstorming. If you work alone, you may want to enlist the aid of a friend or friends. They don’t have to be Realtors, just people who have had experience buying a home and are internet savvy. Your “Brainstorming Meeting” has one purpose: Gather ideas to create content and research keywords.
To get started you will need the following tools: A. your brain and that of your team or friends that you enlist; B. Google Keyword Tool (which implies that you need a computer/s); C.Blogging ideas for 3 months.
Regarding Tool C. Blogging Ideas, it is important to remember that this can be almost anything. It could be questions that people commonly ask you when they are looking for a home, questions that sellers commonly ask, new developments in Real Estate policy in your area, etc. Just think about content that is relevant to your community of buyers and sellers.
The Meeting Outline (about 1 hour maybe more):
Keyword Research (20 minutes) –Next to each idea write keywords that belong to that topic. Write as many as you can think of. Once you have finished construct a search string for each idea that your team agrees is realistic (ex.: Home For Sale in Community X). Now comes the part where you collect some data to help you in your execution of these ideas. For this part you will use Google Keyword Tool. There are other tools that you could use, but this one is free and its results are easier to explain. [Click on the picture to see a screenshot with brief explanation]There are many people who have written a great deal about Best SEO Practices, but in my opinion the one person who has nailed down the basic ideas best is Stephen Graham. He is a professional blog trainer and writer and he has written a simple, easy to follow list of things you need to consider each time you blog. The article is called: 4 Steps to Follow for Easy SEOand I highly recommend that you read it before you begin writing. You will notice a very basic principle that guides the logic of what he has written, it is one of the greatest principles by which we can live: Keep It Simple Stupid. I am not calling “you” stupid (it’s more something we need to say to ourselves, but take it easy, I don’t want to you to damage your self esteem), but it is a phrase that we all need to remember when writing. When your content is simple, the search engines will love it and so will your readers. It’s a win-win formula.
The easiest part is behind you, now comes the hard part… be consistent. 20th century British author Aldous Huxley once wrote: “Consistency is contrary to nature, contrary to life. The only completely consistent people are dead.” He comments on a harsh, but very true reality, that it is difficult for any of us to be consistent. That said, what you are striving for is clearly not perfection (unless the idea of an early grave is attractive to you, in which case there is a very different article I recommend reading…). Just do your best to stay organized and execute the strategy that you have now created. No, it won’t be easy. It may require the help of someone else to remind you. Be it by means of your smart phone, your spouse or a co-worker set up daily and weekly reminders to stay on track with your schedule. Do research online and locally before you write to make sure that the information that you are presenting is still up-to-date.
One way to stay current and competitive is to invest your time in ongoing education and training. The more knowledge you possess of your industry and it needs, the natural byproduct you will produce is relevant and intelligent content that is usable and valuable to your readers. If you are interested in what programs might be useful, please feel free to contact me. I could give you a list, but honestly then you would know everything I know. How embarrassing that would be… to have all of the knowledge I possess summed up in just 2 blog articles! No thanks, I will save something for future conversation. May you have success with all your SEO endeavors!
If you have any questions or comments my preferred contact information is listed below.
Michael Hillanbrand
Joe Gonzalez Team
Marketing & Technology
office – 210-888-9210
mike.techexpert@gmail.com
My 28 Year & Counting Family Tradition - Salmon Fishing
The year was 1983 & I was 8 years old. My father decided he was taking me to Pulaski, NY to go Salmon Fishing. Twenty eight years later, we haven’t missed a year. If you’re looking for a manly man’s fishing trip that’s not too far off, this is a great place to start.
WARNING:
1. These fish are strong! I DO NOT recommend this for a beginner’s trip.
2. River currents can be strong, the water deep & rocks slippery. Don’t be a “bruto” – Spanish word for a moron who doesn’t use common sense.
3. Plan your trip in advance. Salmon season is short (mid/late September through October) & it can be challenging to find lodging.
4. Purchase your gear in advance. Equipment can be is expensive once you’re there. See the bottom of the page for links to stores (Click here to see what I use).
5. See #2 again & take me seriously. For all you “brutos” out there, you’ve been warned & you will get hurt if you’re careless.
Now for the fun…….
We left King of Prussia at 4 AM (they had to convince me) & 2 pit stops later we’re eating breakfast at Mapleview Family Restaurant in Parish, NY. It’s a long trip so it’s good to know a few good restaurants along the way. If you’re hungry try the “Big Rig” or “Breakfast Blizzard”. (Click here for direction to all stops). Don’t forget to enjoy the foliage on the way up!
With renewed energy we went to see where it all begins at the Salmon River Fish Hatchery. It’s educational & suited for all ages. So don’t be a heathen, take a minute & learn something. Your wife will be proud. Best of all, you’ll see a ton of king salmon (Chinook) & silver salmon (Coho). After seeing all those fish, we were fired up & ready to go!
A few miles off we started fishing at the Orwell Brook. The Orwell is a small stream with deep pools & little to no crowds. Now keep in mind much of the surrounding land is private & you may need to pay to cross their land. Once there, we found the salmon! I decided I was going to play cameraman & angler at the same time. Sorry for the bumpy video but it gives you a good idea of how these fish fight.
After catching our limit (3 per day), we loaded up our fish & made a quick stop at Fat Nancy’s Tackle & Fly Shop (side note, dragging 60 to 70 lbs worth of fish for ½ to 1 mile uphill is NOT easy. Bring your inhaler cupcake). If you forget anything these guys have it all, but expect to pay a premium. Here you can find a guide, lodging, equipment, etc. In case you’re wondering, Fat Nancy is a fish not an obese older woman who owns a tackle shop. Sorry to disappoint you.
By 5 pm we’re beat so we head off to check into our cabin at Catfish Creek Campground. If you get a cabin, it’s great. The trailers, not so much BUT, they are cheaper. I prefer to spend a few bucks more for the cabin. We chose CCC because it’s close to a number of fishing holes, the owners are friendly & the salmon/steelhead fishing is outside your doorstep.
The next few days we drove between fishing holes, caught a ton of fish, shared fish stories & created memories that will last a lifetime. Salmon fishing is the guy’s guy ultimate bonding trip. I have to say thanks to my dad for making the decision 28 years ago to take me fishing.
One thing is for sure, if you go, you won’t regret it. Take your kid too. He’ll love you for it. I know I did. Feel free to shoot me an email for additional tips on where to go & what to do while you’re there.
What I use: Links for equipment:
Orvis Chest Waders – Light weight, breathable, comfortable. If you plan on using your waders hard, spend the few extra bucks. If not get a pair from Cabela’s bargain bin.
Cabela’s Ultralight 2 Lug Wading Boots – I walk (sometimes even run chasing fish) with these which is hard to do with heavy boots. Make sure you use the metal studs as the rocks are VERY slippery. You can also just buy corkers (spiked shoe that attaches to boot). Don’t go with just rubber boots unless you like to swim in cold water.
Shimano Stradic CI4 fishing reel – Super light weight which makes it easier on an old injury to my shoulder
Trekker Water Bottle Fanny Pack – I like a fanny pack because it’s small & you have everything you need around your waist. You can also pick one up at Walmart.
Rapala Stainless Steel Fishing Pliers – These are a must. You can cut line, remove hooks, clamp down split shots, etc with these. I clip mine to my belt & have a cord tied to one end in case I drop them. Regular pliers will work too but I use mine for several kinds of fishing.
Costa Del Mar Polarized Fishing Glasses – I like my Costa’s which are lifetime guarantee. If you’re just starting get some a cheap $20 pair. Serious fishermen will drop about $150 to $200 on these.
Utility box – Buy 1 small one for your gear. You’ll only need hooks/flies, split shots (weights) & plastic eggs or sponges.
Crazy eggs or wally wogs – get a few packs as you will lose quite a few
Owner hooks – these hooks are sharp! The sharper the hook, the less fish you’ll lose.
Tin split shots – again buy a few bags of these as you will lose them & they’re cheap.
Salmon fishing rod – personal preference here – I like a 8’6” to 9” medium action rod.
Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville
Why haven’t you bought a home yet? Is a 20% down payment keeping you from buying a home? Have you rented for a long time & just aren’t sure? Are you a long time renter in the market to buy? Living in the King of Prussia, Plymouth Meeting, Phoenixville or the surrounding areas? Well stop renting already! FHA could be the answer you’re looking for.
Okay let’s use some real world #’s to help you appreciate what FHA can do for you.
How much are you borrowing
In this example the client (you) are buying a home using FHA (Line A). Current rates are around 3.75%/5.092% APR (B) for a 30 year fixed (C). The purchase price is $200,000 (D) & you will put down FHA’s minimum down of 3.5%. Your base mortgage will be for $193,000 (E) & your total mortgage $194,930 (F) due to the Upfront Mortgage Insurance required by FHA (email if you want more info on mortgage insurance).
Your monthly payments
Your principal & interest payment will be $902.75 (G), property taxes guestimate $250 (H), monthly mortgage insurance $184.96 (I), homeowner’s insurance guestimate $50 per month (J) for a grand total of $1,387.71 total monthly payment (K).
Total cash needed at closing
Your down payment is 3.5% (L) of $200,000 (D) which is $7,000. The closing costs are $5046.25 (M), the escrows/prepaids $4,000.41 (N) & Upfront Mortgage Insurance $1,930.00 (O). Your total costs are $9046.25 for closings costs (M) & escrows/prepaids (N). The seller* can pay for the closing costs which is $9,000 (P). Remember that in line F we are lending you the money for the upfront mortgage insurance (O).
Bottom line out of pocket = $7,046.66
Now I’m sure I lost a few of you somewhere in the translation so click below for a video explanation. If you have any other questions give me a call or send me an email!
*You can negotiate at the time of your offer for the seller to pay for your closing costs. Please consult me PRIOR to signing a 
contract!!
Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville
USDA Updates – They now charge for the awesomeness!
In my last post I gave a few tidbits about USDA (Click here if you missed it - Kick butt 100% financing that you’ll probably qualify for). WOW, I didn’t realize so many people would respond. Good Great stuff guys. So here are a few updates….
October 1, 2011 USDA Rural Housing Loan Changes:
USDA Rural Housing has been taxpayer-subsidized for years. Long gone are those days. The USDA Rural Housing Program will no longer be dependent on tax payer money (wish we could say the same about the big banks! Can I get an AMEN!!) To stay in business, they started charging for the awesomeness of the program (as if you didn’t know that was coming). They not only charge mortgage insurance upfront now, but monthly as well for the life of the loan. (insert Homer Simpson like “DOH!” right here) Relax Homie, the upfront has gone down & the monthly isn’t bad.
USDA Rural Housing mortgage insurance rates are:
Real life numbers for USDA Rural Housing:t Name
Okay so paying mortgage insurance for the life of the loan isn’t cool but before you get your panties in a bunch, let’s bring it back into perspective:
For my local clients, check out just a few of the areas that the USDA Rural Housing Programs are available in:
Collegeville, Royersford, Evansburg, Trappe, Limerick, Schwenksville, Skippack, Oaks, Kimberton, Chester Springs, West Pikeland, Mont Clare, Birchrunville, Spring City ALL QUALIFY!!! (Insert Homer-like WOO HOO!!!)
So what’s your next step you say? (get ready for a shameless plug for the Joe Gonzalez Team at Meridian Bank)
I’m so glad you asked! Give Joe Gonzalez from Meridian Bank a call. I’ll be happy to help you with your financing needs! :-) I hope you enjoyed the info!
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King of Prussia, Lehigh Valley,Montgomery County, FHA, VA, Jumbo, USDA, FHA 203k, Mortgage Lender,Mortgage Banker,PreApproval Specialist
Joe Gonzalez Mortgage Banker FHA, VA King of Prussia, PA
Joe has been serving King of Prussia, PA and the surrounding areas within Lehigh 
Valley & Montgomery County for over 14 years. The principle with which Joe measures his success is one he likes to call the "WOW Factor". Joe's sole objective as a Mortgage Lender is to "WOW" his clients with superb service and professionalism. This level of commitment has made Joe the top loan executive in the Lehigh Valley. Whether it's a million dollar loan or a first time home buyer, more Realtors, financial planners, borrowers and other business professionals bring their home financing needs to Joe than anyone else in the Valley. They come to Joe for one main reason... Results!
Joe specializes in FHA, VA, Conventional, Jumbo and USDA Mortgage loans. His goal is to build life long relationsips, one loan at a time whether you're interested in an FHA, FHA 203k, VA, Jumbo or USDA mortgage loan.
For a FREE no obligation pre-approval, find our secure online application here.
Joe enjoys a variety of outdoor activities with fishing being his favorite. Traveling to locations such as New Jersey, Upstate New York, Florida, Puerto Rico, and The Dominican Republic a few times a year allows Joe to recharge all the energy he spends on making sure his clients are well taken care of.
As an avid fisherman, Joe enjoys fighting for a good catch which includes Goliath Grouper and Mahi-Mahi just to name a couple. Joe's latest BIG catch is none other than a 365 pound Goliath Grouper that he caught while fishing with Captain Ben Chancey from the Florida TV show "Chew on This.
Outdoor sports such as basketball, hiking, and snowboarding always have a place in Joe's busy schedule. Among Joe's favorite hiking spots is the rainforest El Yunque in Puerto Rico. On all of his trips, what Joe enjoys the most is making new friends. Coincidently, making new friends is at the heart of how Joe conducts his business. With that in mind, for your next real estate transaction call Joe and let friends take care of it!
Joe is also able to assist you if you're in one of the surrounding areas to the King of Prussia, PA. If you're planning a road trip or exploring the local area, make sure you check out some of these places to get a feel for the surrounding community.
Ambler | Bridgeport | Collegeville | Conshohocken | East Greenville | Green Lane | Hatboro | Hatfield | Jenkintown | Lansdale | Narberth | North Wales | Pennsburg | Pottstown | Red Hill | Rockledge | Royersford | Schwenksville | Souderton | Telford‡ | Trappe | West Conshohocken
TownshipsAbington | Douglass | East Norriton | Franconia | Hatfield | Limerick | Lower Frederick | Lower Gwynedd | Lower Merion | Lower Moreland | Lower Pottsgrove | Lower Providence | Lower Salford | Marlborough | Montgomery | New Hanover | Perkiomen | Salford | Skippack | Springfield | Towamencin | Upper Dublin | Upper Frederick | Upper Gwynedd | Upper Hanover | Upper Merion | Upper Moreland | Upper Pottsgrove | Upper Providence | Upper Salford | West Norriton | West Pottsgrove | Whitpain | Worcester
From population statistics to days of sunshine, find out more about King of Prussia, PA.
King of Prussia is a census-designated place in Upper Merion Township, Montgomery County, Pennsylvania.
Joe Gonzalez Meridian Bank King of Prussia, PA
With an experienced team who understands the home buying process, we specialize in the purchase market for first time homebuyer's. With FHA, VA & My Community programs, we can help get you or your clients approved quickly & efficiently. We have someone on staff available to answer questions even during the weekends.
You can contact Joe Gonzalez and his team via the following:
Linked In - Click Here
Facebook - Click Here
Active Rain - Click Here
Blogger - Click Here
Twitter - Click Here
Webpage - www.joegonzalez.net
Joe Gonzalez King of Prussia Raving Fans
"After working with numerous mortgage professionals I found Joe Gonzalez. Now I do not even consider allowing anyone else assist my clients with their mortgage needs. Joe is my mortgage broker of choice not only for my clients but for all my personal mortgage needs. I recommend Joe Gonzalez to everyone!"
Don Wenner- Real Estate Agent
Keller Williams Realty & Purchase Client
"It has been my pleasure to have been working with Joe Gonzalez for many years. Whether in the office or online, Joe's concerned caring way is very evident. Regardless of size of loan, every client receives the same professional treatment. This, coupled with a very competent support staff, make Joe Gonzalez one of the finest loan officers in the Lehigh Valley. I will continue to recommend him to my clients."
Charles & Susan Caliman- Owners
Greater Lehigh Valley Real Estate &
Purchase/Refinance Client
"I'd like to express my thanks for the superior job you and your staff have done and continue to do for me. I am critical until proven otherwise, and you have done exactly that!"
Scott & Tina Hanuschak- Owners
Vallos Bakery & Purchase/ Refinance Client
Looking for a new house was the last thing on our minds in August of 2005. We had just bought a dream house the year before that we were remodeling. It was in New Orleans. We arrived in Allentown in September in shock, with our pets and a suitcase of clothes to stay with a kind friend. We hoped we'd be able to return home. By April 2006 we knew that wasn't going to be possible; that we'd have to look for a new home where we'd landed. But we weren't very energetic or enthusiastic about the process. In all the bad luck of that time, our good luck was finding Joe Gonzalez! Joe helped us make up our minds, get the right house at the very best rate, and deal with the difficulty of not having packed the right papers for house-buying when we evacuated hours before Katrina hit! He understood, and made all the others involved in the complicated house-buying process understand that we didn't have and couldn't get the papers required (not to mention not having much energy for hassle!). He found other ways to get the information needed. More than just talk, Joe Gonzalez did things that made our transition as smooth as it could possibly be. We are well-settled now. Happy to be in the northeast. Happy to be in our new home. And very happy to recommend Joe Gonzalez as the smartest, most competent and compassionate businessman we've ever had the pleasure to work with."
Dr. Sandy Karp & Bobbie Geary
Hurricane Katrina Victims & Purchase Clients
Tony Alicea - Realtor
Tony hired you as a Real Estate Agent in 2009 and hired you more than once
Top qualities: Personable, Expert, High Integrity
"I have referred my clients to Joe Gonzalez without hesitation. Joe is methodic and is really customer service oriented. His strongest assets are communication and follow up. Joe keeps me updated on every client at least several times per week with a week wrap up on Fridays. I know I can count on Joe Gonzalez to get me to the table time after time." April 7, 2010
David Roman, Senior Solutions Architect, CommNet International (business partner)
was with another company when working with you
"Trust worthy and reliable are the words that come to my mind when I think of Joe. When you deal with him it is not a simple transactional relationship, you have a partner in your corner that you can rely on. I highly recommend Joe." April 7, 2010
Marina Brekhounets, Realtor, e-Pro certified, Keller Williams Real Estate (business partner)
was with another company when working with you
"Joe is extremely professional. He is always looking for the best interest of the people he is working with. If you need a good advise, professional help or just minute of a good time than Joe Gonzalez is a person to go to. Highly recommended. Good luck Joe, with your life and your business." April 7, 2010
Stephen Luchansky, Property Supervisor and Leasing agent and Owner of Valley Construction Services, DW Premier Property Management (business partner)
was a consultant or contractor to you
"Joe is very detail oriented and is always on top of what is going on. He is also very involved in running of things which is not common for real estate investors." April 8, 2010
Debbie DeJarnette, VP AND & DIRECTOR OF RECRUITING, ECN RECRUITING (business partner)
was a consultant or contractor to you
"Joe is a vey effective and honest business man in the mortgage industry. He cares about his employees and works very hard to service all his customers. I know because he cares about the calibre of employees he hires. I would recommend doing business with him anytime and you will know that you will be getting the best. Debbie DeJarnette" March 14, 2008
Maria Reed, Sr. Loan Officer, a (colleague)
reported to you
"I enjoyed working with Joe. He is a very motivated, hard working guy & dedicated to his clients. I would recommend him to all of my friends." March 17, 2008
James Febbo, Branch Manager, Allied Mortgage Group (business partner)
was with another company when working with you
"I have known Joe for a long time and he definitly dedicated to his clients. He does a great job to provide them with the best products and services." March 20, 2008
Cleve Adams, Head Coach, Maximum Acceleration, The LoanToolbox Coaching Company (business partner)
was a consultant or contractor to you
"Joe has a very commanding presence and deservedly so. He is a trustworthy person: competent, high character, caring and consistent. His passion is to make sure that he educates and takes care of all the mortgage needs of his clients. Joe has a keen understanding of the industry and whether you are client or referral partner, you are in the hands of a professional. You can describe the ideal mortgage professional that you would love to work with in two words: Joe Gonzalez." March 20, 2008
Rebekah Radice, Branch Manager, Waterstone Mortgage Corporation (business partner)
was with another company when working with you
"Joe Gonzalez has about the biggest heart and strongest desire to serve others of anyone I've ever met. Joe is a mortgage professional that everyone needs to know. Honest, ethical and forthright, Joe is a man of his word and will work to ensure your needs are met not only today, but for years to come." March 27, 2008
Victoria Del Frate, Owner, I CAN Coaching Company (business partner)
was a consultant or contractor to you
"If you're looking for a brainstorming partner, business referral partner or a superb mastermind group leader or attendee, Joe has all of the integrity, creativity and candidness that you'd feel blessed to find. Everyone I know who knows Joe says the same thing...his heart is as big as they come." April 6, 2008
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