American Home Evolution fm 1966 to Present

EvolutionofHome

Here’s a Thot…

HELLLLOOOOO My Wonderful ~ Rainy Sunday ~ Beeeeeuuutiful Bay Area!…

“Every path has a few puddles…”

Enjoy Your Day!…

Isi

How To Recoup ur Costs at Resale….

Top10HomeProjectstoRecoup

Where Might This Be?

 

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HELLLLOOOOO MY SUPER WONDERFUL – BEEEEUUUTIFUL BAY AREA!!... OK … lets see who knows where this might be?… HINT…its right here in our Bay Area….

Do You Appreciate Gas Prices Dropping?

HELLLOOOO MY BEEEUUUTIFUL WONDERFUL BAY AREA!…

For those of us in a certain age bracket…shortly after I posted the price drop of gas by a couple dollars in our Great Bay Area… (one of the much younger than most of us)… on the move… up and coming… very brite young entrepeneurs FB friends I have… posted his own comment on why we’re silly to get excited over saving a few bucks… HAH!…

Personally I was amazed at his pompous thinking…this younger generation feel they know all things smart!…HAH! (must be nice to think its no big deal to save a couple bucks on gas per gallon) this GenXr has no idea at one time we literally raced to get in line in the wee hours of the morning ie) 3- 4-5 am (forget about 6am you would be too late)… to get gas that jumped from 37 cents per gal. to 63 cents!! Not to mention gas was rationed at one point… Call me “old” call me “silly”… Life repeats itself in so many ways… I remember vividly how my Mom would constantly remind us by example and always repeating the importance of comparing prices and saving every bit we could…

Its nice FB allows comments from all … how unfortunate some very brite folks can be “a day late and a dollar short”…!! or is two dollars short… and yes people I do save pennies too.

How Bout a New Place for Fast Snacks or Hot Meal?…

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Well HELLOOOOOO MY BEEEEUUUUUUTIFUL WONDERFUL BAY AREA!!… Its another gorgeous day in our neck of the woods!… While you’re out and about why not go and check out the closest Ranch 99 Asian Market!… there’s many locations throughout the Bay Area… its one of the alternatives to get your asian food & misc items shopping in one place!…

Some of the markets are smaller than the newer ones but they all seem to offer infinite amounts of fresh fish, poultry and meats not to mention the freshest and most abundant quantities of asian favored vegetables and bountiful fruits and freshest unique breads available anywhere… Its a treat and a destination point for you to visit at least once… I guarantee you’ll go back!…

Today I want to offer you a quick visual of just some of the prepared snack counters…  http://bit.ly/1w4Ok0A

Go Discover and Enjoy!

Some Current ACTIVE Listings in….

 

HELLO MY BEEEEUTIFUL, WONDERFUL Bay Area!!!... I know many of you enjoy following the real estate market… especially in areas where you currently live or would like to live…To get an idea of your chosen market area most everyone likes to see what properties have SOLD AT…TODAY (9.5.14) I’d like to offer you the most current stats on  ACTIVE properties for sale...(keep in mind I’ve chosen just a few local cities in the Eastbay as a starting point… if you dont see a city you’re interested in just let me know)…

CITY:          ALL ACTIVE   DET.SFR/ AVG LIST    DET.3.2/ AVG LIST
ALAMEDA                 54               82          $858,499            9           $858,532
CASTRO VALLEY   96               81          $887,718             23         $774,985

DANVILLE                103             81   $1,637,430         5      $993,460

DUBLIN                     111               77             $986,511          12           $690,904
HAYWARD               232             175           $577.696          66           $483,000
SAN LEANDRO       97                86            $534,282          28          $534,383
SAN RAMON            133              81         $1,083,298          14           $788,342

Dont forget these figures are for ALL ACTIVE Listings on the market for sale… Four out of the  seven cities currently have OVER 100 properties for sale… Inventory is still not overwhelming abundant everywhere…Buyers depending on your needs and price point your chances of getting your piece of property is improving… you just have to be completely ready… Sellers due to the sluggish inventory… you’re still in a great position to receive Top Dollar… keep in mind you must be realistic and price your home right!… Buyers and Sellers I’m here to assist you… Contact Me Now and lets get going…

925.997.2426 Cell/Text and email isiwu@comcast.net

Do You Have Buyer’s Paralysis??

HELLOOOOO My Wonderful Beeeeuuutiful Bay Area!!.. Its a gorgeous day today in our Bay Area!!… If you’re in a slump not sure what to do or how to overcome your fears and doubts of  buying a home…thought  the following article by Blanche Evans would be helpful to you… Many issues can be at root of indecision

You’ve looked at dozens of homes. Your REALTOR® is about to tear her hair out with frustration. You are paralyzed, letting one great home after another pass you by. Why can’t you make a decision?

Buying a home can be an overwhelming process... There are so many decisions to make and any of them can mean serious financial consequences. A home, after all, is hardly a liquid asset. Nor is it a growth investment, according to Wall Street definitions. It’s your greatest financial debt, even while it puts a roof over your head. As it appreciates, it also needs repairs and maintenance. With all that weighing on you, no wonder you’ve got commitmentphobia.

Yet, you really want to buy a home… You know that few purchases will provide you the quality of  life that a home of your own does. There are plenty of advantages, as well – tax breaks, rising real estate values, a stable environment for the family, to name only a few. So you stifle your worries and keep looking for homes. You just can’t find the one that’s just right for you.

It might be time to back this train up and examine what is causing the conflict between wanting to buy and being unable to make a decision. There is a cause, and it’s name is money. The question is, which aspect of money is stopping you from moving forward? Fear of spending too much… Lenders will loan you money at the top of your ability to borrow. Realtors will suggest that you will be happier in a “bigger, better” home, eliminating the need to “trade up” in a few years. Stretching to buy the most home you can possibly afford is a good strategy, but only under certain conditions – that you have confidence that your salary will rise, that your income is stable, and that you can handle large surprise expenses.

If you’ve been pre-qualified, you are already looking at bigger, better, more beautiful homes at the top of your range. But something isn’t quite right… Even though you may feel that your income is stable, a feeling is telling you that if you buy in this range, you won’t have enough in reserves should something happen. Those are your instincts talking, and you should listen, because your desires have been doing the talking up to now. Your instincts are telling your desires to scale back a little.

That means backtracking... Talk to your Realtor and ask her to show you less expensive homes. You can’t go wrong buying slightly under your ability. In fact, many financial advisors tell their clients to budget about 25% of their income for housing in order to position them to build reserves for savings, investments, home improvements, emergencies and dozens of other reasons. That’s almost six percent less than lenders will allow you to borrow. Just think what else you can do with six percent of your income. You’ll still have your house, you’ll just have more to do other things with.

A conflict in goals… Many couples purchase homes with the idea that they will have a child, so stretching buying power to have the extra space makes sense. But if you are trying to accomplish two big financial goals at the same time – buying a home and adding to your family, then something has to give.

You can’t have it all – peace of mind, a large mortgage, and burgeoning expenses all at the same time… Something has to give and the way to do that is simply to prioritize your goals. In what order of importance do you want things to happen? What is most important to you? Whether you are planning a family, returning to graduate school, paying off a student loan, or buying a new car, you surely realize that your financial pie can only be sliced so many ways. Your mortgage is the largest, and the larger it is the smaller the other pieces.

Problems in the marriage… This is one of the toughest issues to address, and one your Realtor can’t help you with. But just as you are listening to your instincts about the amount of money you should spend on your new home, you should be paying even more attention to your feelings about your marriage. And only you can answer the question – will we still be together in five years? You should at least be able to predict being together long enough to pay off the interest on your loan! Or you’ll be selling your home without the benefit of building any equity and equity only comes with appreciation and mortgage reduction.

Buying a home will not fix a poor relationship… It will only make things worse… So you have a decision to make and it isn’t which house to buy. It is whether or not you want this relationship to survive. If you decide you want the marriage, then you must pour your efforts into fixing its problems, including your share of the blame. Be willing to change some things, compromise on others, or accept many things as they are. If you can’t do all of those, then to dissolve the partnership is your only other choice. After you have solved the problems in your relationship, you will find your home more easily.

Fear of the future… Fear takes the fun out of a lot of things, but there is reasonable fear and unreasonable fear. Unreasonable fears have no basis in reality, so there is little you can do beyond getting professional help for your anxiety. Reasonable fears you can handle on your own with a little common sense.

Fear can be tamed by looking at the worst case scenarios compared to the best case scenarios. So examine the questions that are really bothering you. What if we can’t make our payments?… This question can be balanced by a best case. What if we manage our money so well that we can make double payments? So the fear here is manageable – it comes down to how confident you are about managing your money. If you aren’t sure of yourself, get help. Ask someone whose money management style you admire for advice on how to manage your money better. Then stick with it.

What if the value of our home goes down in value?… Would you feel as fearful if you asked yourself whether your property will go up in value? Property can go up or down, but all property requires maintenance or it surely will deteriorate in value. This can be easily prevented by having enough budgeted or in your reserves to perform scheduled and unscheduled maintenance. Look at the properties surrounding the home you are considering. Are they maintained with pride? Are they being updated? Then your chances are good that the neighborhood and your home will retain its value. Rest assured that there will always be a buyer for an attractive, well-maintained property.

Because it is not a liquid asset, real estate is not as volatile as you think… It goes down slowly and rises comparatively slowly. And home values even when depressed may get a resuscitation after a few years. Your best hedge against the future is to keep your property in desirable condition.

You can’t predict the future. The only thing you can do is prepare yourself to handle what may happen. So money isn’t the root of all evil, but it is the root of indecision – at least when you are paralyzed about buying a home. Thinking through the money issues can help you get moving one direction or the other. For some of you, just reading this article will put your jitters to rest. For others, you may realize that a home isn’t in the cards for you right now, and that’s OK. Wait a few days or weeks if you need to. Use the time to regroup. It is far better for you to work through a few obstacles than to jump into the largest investment of your life without confidence. If you can work through your fears, get your finances in tip top shape and proceed, you’ll find buying a home doesn’t have to be a paralyzing decision. In fact, it can be one of the most exhilarating things you’ll ever do.

If you are worried about cash flow, then making disproportionately large house payments will tarnish the joy of home ownership, unless you can find ways to cut down the other pie pieces. Work to improve your cash flow. Accelerate your credit card pay -offs Don’t incur new debt. Rebudget your expenses and eliminate unnecessary expenditures. Make compromises – vow to cut down if you can’t cut something out. Be willing to move timelines for meeting your goals. Don’t be influenced by others to live beyond your means. Set your sights on an affordable home, and you may find your dream home will appear right before your very eyes.

Just keep at it my friends… am always available for Q&A, Chat, Selling or Buying… Have a Brite Happy Day!!… Isi…  isiwu@comcast.net
 
 
 
 

Happy Home – Happy Life!!

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Much Cheers & Huuuuuge Congrats to Marlin & Ali… Your tenacity, intelligence, willingness to roll up your sleeves rewarded you with your Wonderful First Home!!… I’m sooooo very proud and happy for you!

Its Never Ever Too Late!

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HELLOOOO MY BEAUTIFUL – WONDERFUL BAY AREA... Today I have a bit of  uplifting and happy news to share with you… the smiling faces of the young couple shown in the above foto is proof positive that homeownership in our bustling real estate market is alive and well… its never too late to become stakeholders and becoming homeowners for the first time no matter what your age… So Happy for You Both… Huge Congrats Mr & Mrs Loo!!