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How to Choose the Best Offer When You Have Multiple Offers

Wednesday, January 4, 2017
by The Hat Team

These days’ houses are selling like hot cakes!  If you have ever thought about selling your house, now is the time to do so!  The only “issue” you are likely to run into is that you may end up with multiple offers.  While multiple offers may be a good thing, you still should know how to choose the best offer  in the event this happens to you. Below you will find a few ideas on how to best handle this particular situation. 

  1.  Finding out which of the potential buyers have the best financing available to them is a great way to help you choose which offer you would be best to go with.  If you pick someone who hasn’t got the financial side of it all worked out for themselves you will likely end up spending more time than you would like getting all the kinks worked out.  Choosing someone who has a reputable lender on the other hand and has already been pre approved will make the transactions go nice and smoothly for all involved.   
  2. Another way to choose the best offer  when you have multiple offers is if the closing date is good for you.  You may have one person that wants to buy your home that has to wait on their home to sell first while another person is ready to go right away.  If you want to and are ready to move out quickly you may want to go with the latter however if you are not quite ready to move that fast you may want to go with the folks that need to wait a while.  Choose the offer that best suits your own personal needs.
  3. Yet another way to choose the best offer on your house when you have been given multiple offers is to make a checklist of the pros and cons of each offer.  This will make sorting out the details a bit easier for you. 
  4. Be sure that you have peace about each offer and if you don’t feel a peace about a certain offer, take that one off the list of who to choose from. 

It is a good idea to go through all scenarios that may arise with each offer that is given before deciding which one to go with.  Once you choose the right offer, you can look forward to moving into a new chapter of your life! 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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The True Meaning of Christmas!

Friday, December 23, 2016
by The Hat Team

“But I am sure that I have always thought of Christmas time, when it has come ‘round…as a good time, a kind, forgiving, charitable, pleasant time; the only time I know of, in the long calendar of the year, when men and women seem by one consent to open their shut-up hearts freely.”

Charles Dickens

 

The True Meaning of Christmas

Per Wikipedia, the "true meaning of Christmas" is a phrase with a long history in American pop culture. It first appears in the mid-19th century, and is often given vaguely religious overtones, suggesting that the "true meaning of Christmas" is the celebration of the Nativity of Christ. But in pop culture usage, overt religious references are mostly avoided, and the "true meaning" is taken to be a sort of introspective and benevolent attitude as opposed to the commercialization of Christmas which has been lamented since at least the 1850s. The poem A Visit From St. Nicholas (1822) helped popularize the tradition of exchanging gifts, and seasonal Christmas shopping began to assume economic importance. An early expression of this sentiment using the phrase of "the true meaning" is found in The American magazine, vol. 28 (1889):

"to give up one's very self — to think only of others — how to bring the greatest happiness to others — that is the true meaning of Christmas".

The phrase is especially associated with Charles Dickens' A Christmas Carol (1843), in which an old miser is taught the true meaning of Christmas by three ghostly visitors who review his past and foretell his future.

The topic was taken up by satirists such as Stan Freberg and Tom Leher during the 1950s and eventually by the influential TV special A Charlie Brown Christmas, first aired in 1965 and repeated every year since. The phrase and the associated moral became used as a theme in numerous Christmas films since the 1960s.

As you gather with family and friends to celebrate this year, take time to think about the origins of some of the traditions of Christmas.

  • Santa Claus – his story begins in the 4th century with St. Nicholas, the Bishop of Myra (an area in modern day Turkey). St. Nicholas was known to be a generous man especially devoted to children. Because he was so kind and benevolent, rumors began that he could perform miracles.  He became the patron saint of Russia and was known for his red cape and flowing, white beard. He has his own feast day that is celebrated on December 6…a day of gift giving and charity. The story of St. Nicholas was passed down through generations and his name transformed over time. The Dutch called him Sinterklaas. Dutch children would leave their wooden shoes by the fireplace and Sinterklaas would reward good children by placing treats in their shoes. This tradition traveled to America with Dutch colonists and here the Anglican name of Santa Claus emerged.
  • Christmas Trees – the decorating of fir trees originated in 16th century Germany where trees would be adorned with apples, roses, candies and colored paper.  The Christmas tree was brought to England by Queen Victoria’s husband, Prince Albert, from his native Germany.  The first Christmas trees in America were introduced by Pennsylvania Germans and became popular by the middle of the 19th century.
  • Mistletoe – mistletoe was used by Druid priests 200 years before the birth of Christ in their winter celebrations. They held the plant in high esteem because it had no roots, yet remained green throughout the winter season.  The ancient Celts thought that the plant had magical healing powers. It was also seen as a symbol of peace and it was said that when enemies met under mistletoe, they would lay down their weapons and embrace. Scandinavians associated the plant with Frigga, the goddess of love. This is perhaps where the custom of kissing under the mistletoe began.  It is thought that those who kiss under the mistletoe have the promise of happiness and good luck in the year to come.
  • The Christmas Wreath – The Christmas wreath is another tradition that has been around for a long time.  The first wreaths were created from fresh evergreens. Because they are green year round they were the obvious choice for winter months.  The word “wreath” is derived from an English word meaning “to twist”, such as in a circle.  Some believe that initially wreathes were hung on doors in Ancient Rome to represent victory.  The circle shape with no beginning or end represents eternity or life never ending.

While celebrating with these ancient traditions and with your own family traditions this year, may you be surrounded by peace and joy. 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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A Few Things to Consider Before Purchasing a Condo

Wednesday, December 14, 2016
by The Hat Team

If owning your own home isn’t on your agenda and you would rather purchase a condo or townhome to make things a bit easier on yourself, you are not alone.  There are several things however that you should consider and think about before purchasing a condo and a few of those things are listed below. 

  1. One thing to consider when purchasing a condo   is who the manager is.  If you have a manager that is easy to deal with then you shouldn’t have any issues, but if you have a manager that doesn’t see eye to eye with you on things you may find yourself wishing you never would have purchased a condo. 
  2. There are fees associated with owning a condo.  You should definitely check into the fees associated with your particular condo before purchasing it.  These fees can range anywhere from $200 to $400 per month or year depending on how upscale the condo is you want to purchase. 
  3. Looking at the condo financial statements is a great way to see if you really want to purchase a condo or not.  For example if the condos financial statements do not include paying for repairs on a broken street light, you may end up seeing the repair costs tagged on to your bill.  Taking these types of things into consideration could sway your decision one way or the other regarding purchasing.  If you find that repairs on such things are not included in a particular condos financial statements you may want to search for a condo that does cover them. 
  4. Knowing the rules of condo living can make or break your decision of purchasing as well.  Some condos don’t allow holiday decorations while others just tell you where to park.  It’s up to you to decide what is most important to you and what rules simply do not matter that much, however knowing the rules is imperative. 
  5. Checking out the condos liability insurance to make sure there are no pending lawsuits against it is also a good idea. 

These things to consider before purchasing a condo are just the tip of the ice berg.  Do your due diligence, ask questions and find out all there is to know about condo living  before sinking your money into a one you are not happy with. If you do all of this and you are satisfied, you will likely enjoy condo living and all it has to offer.  

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Tips To Get Ready For a Professional Organizer

Wednesday, December 7, 2016
by The Hat Team

If you have let your house go and you find yourself in need of a professional organizer, there are a few things you need to do in order to get ready for one to come and help you get your life together.  Below is a list of things that you need to do BEFORE hiring a professional organizer so that you both end up with the results you were hoping for. 

  1. One thing you need to do before the professional organizer arrives on the scene is to de-clutter your own home and have an end game in mind.  Make a mental note of how you want your family to benefit from the coming organization and plan your strategy around that.  If you have certain rooms that you use daily to make life work, start in those areas once your organizer arrives.  He or she will be glad that you have somewhat of a plan already in mind rather than having to start blindly with no goal to work towards. 
  2. Another thing you need to do in order to get ready for a professional organizer to come into your home is to realize that even though you hire someone to help you get your life in order, your home will likely still not look like a picture out of magazine.  The truth of the matter is, folks live in their homes and where there is life there is mess.  If you go in with this mindset you will likely be pleasantly surprised of all that can be accomplished. 
  3. Be ready to let things go when your organizer comes into your home.  You need to let your hording tendencies go and be willing to throw things out that you haven’t recently used.  
  4. Another tip for getting ready to hire a professional organizer is to realize that they are not there to build shelves and the like.  If you have something that you want installed, get someone else to do it or do it yourself before your organizer arrives.  The professional organizer is there to help get things organized not to build shelving contrary to popular belief. 
  5. Professional organizers are not there to clean your home either so be sure to go ahead and have the house clean before they arrive.  Clean isn’t the same thing as neat. 

Hopefully this list will get you started in the right direction for getting ready for your professional organizer to arrive.  If you follow these simple tips you will likely be excited and happy with the final results.  

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Nursery Decorating Ideas to Welcome Your Little One

Wednesday, November 30, 2016
by The Hat Team

Decorating your home can be fun but no other room is more fun than decorating the nursery for the arrival of a new little one.  Nothing brings more happiness than welcoming a new baby into the world and what better way to welcome your new bundle of joy into your home than by fixing the nursery up for them.  Below are a few nursery decorating ideas to welcome your new little one. 

  1. A little baby is nothing more than a miracle from above so why not decorate your new baby’s room like the royalty that they are.  Decorating the nursery  in a royal theme is a perfect idea whether you are welcoming a tiny prince or a princess.  You can keep the décor unisex by adding some rich colors to the wall or adding a chandelier to the ceiling.  Adding a few decorative pillows maybe in the shape of a crown might be a good idea as well. 
  2. Another cool idea for decorating your nursery is to make it extremely colorful with balloon décor.  This type of room can be unisex as well if you stick to the primary colors of yellow, blue, green and red.  If you want to get really creative you could paint a balloon mural on the wall and perhaps an outdoor scene to go along with it. 
  3. If you like country décor you could use painted pallets to add a touch of southern sass to the room.  This type of country décor can be unisex if you want or you can make it more of a cowboy feel or a cowgirl feel depending on which you have been blessed with. 
  4. Yet another great decorating idea to welcome your new little one into their new room is a Hollywood glitz and glam room.  Sheer curtains hung throughout the room with walls painted pink is a great way to get this particular look and feel.  Yet again, a chandelier may be appropriate for this type of room. 
  5. If you want another gender neutral idea for your baby's room  you can use colors such as grey and yellow.  These colors are not only unisex they are timeless as well.  

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Many Blessings to You and Your Family!

Wednesday, November 23, 2016
by The Hat Team

“Gratitude is the inward feeling of kindness received. Thankfulness is the natural impulse to express that feeling. Thanksgiving is the following of that impulse.”
Henry Van Dyke

Did you know?:

-    The first Thanksgiving was held in the autumn of 1621 and included 50 Pilgrims and 90 Wampanoag Indians and lasted three days. Many historians believe that only five women were present at that first Thanksgiving, as many women settlers didn't survive that difficult first year in the U.S.

-    Thanksgiving didn't become a national holiday until over 200 years later! Sarah Josepha Hale, the woman who actually wrote the classic song “Mary Had a Little Lamb,” convinced President Lincoln in 1863 to make Thanksgiving a national holiday, after writing letters for 17 years campaigning for this to happen.

-    No turkey on the menu at the first Thanksgiving: Historians say that no turkey was served at the first Thanksgiving! What was on the menu? Deer or venison, ducks, geese, oysters, lobster, eel and fish. They probably ate pumpkins, but no pumpkin pies. They also didn't eat mashed potatoes or cranberry relish, but they probably ate cranberries. And no, Turduckens (a turkey stuffed with a duck stuffed with a chicken) were nowhere to be found during that first Thanksgiving.

-    Thanksgiving was almost a fast — not a feast! The early settlers gave thanks by praying and abstaining from food, which is what they planned on doing to celebrate their first harvest, that is, until the Wampanoag Indians joined them and (lucky for us!) turned their fast into a three-day feast!


As you gather with family and friends to celebrate Thanksgiving, take time to remember all that you have to be grateful for.  

Wishing you and yours a day filled with joy. 

 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Things to Hide When Selling Your Home

Wednesday, November 16, 2016
by The Hat Team

 

If you are currently trying to sell your home, you need to make sure you are doing all that you can do to make the sale a priority.  There are many things that people tend to leave out during a home showing that should definitely not ever be seen by a prospective buyer.  Below is a list of a few things you should totally hide when in the process of selling your home. 

  1. Taxidermy is awesome to avid hunters and their wives but when someone is coming to view your home, you don’t want to leave it out.  Dead animals hanging on the walls of your home are not what folks typically have in mind when coming to look at a potential home.  You don’t have to get rid of your taxidermy obviously but perhaps take it off of your walls and gently place them in the closet until after the showing.
  2. Another thing that you should likely hide when folks come over to your home to take a tour of it in the hopes of buying it from you is your shotguns and other weapons that you may use.  This type of thing being displayed throughout the house is likely to scare any potential buyers away in a hurry.  Do your part by placing these items out of sight during a showing. 
  3. If you collect dolls or anything that can be seen as creepy in any way, put them away until after the showing.  Better yet, put them away until after your house sells.  Collections may not only be creepy to others but they tend to collect dust as well and don’t look nice during a showing. 
  4. If you have political signs in your yard, especially right now and you want to sell your house, by all means take them down!  This election was a big one and folks have very big opinions about who should be elected.  Seeing a sign in your yard for the opposite candidate that your potential buyer wants may actually lose you an offer even before the folks make in inside of your house to look around. 
  5. If you have a ton of family photos around your house, you may want to hide them during a showing as well if selling your house is your top priority.   Folks want to picture themselves in your house and having your family pictures all over the place can make that task more difficult.  

 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Thank You, Veterans!

Friday, November 11, 2016
by The Hat Team

 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Tips To Avoid A Reverse Mortgage Nightmare

Wednesday, November 9, 2016
by The Hat Team

Many times folks hear about a reverse mortgage on the television and they think it sounds like the best thing since sliced bread.  There are a few things you need to know about reverse mortgages before you decide to move forward with one and below we have listed a few tips on how to avoid a reverse mortgage nightmare.  

  1. One way to avoid even thinking about doing a  reverse mortgage  is to not wait until you simply don’t have any other option.  Do not go into something like a reverse mortgage without counseling with a HUD-certified housing counselor.  If you make huge decisions such as getting involved with a reverse mortgage during a time of financial stress, you will likely end up worse off than you started. 
  2. Another tip for avoiding a reverse mortgage nightmare is to search around for all that is offered.  You don’t have to settle for a reverse mortgage just because you think it’s the only thing you can do.  Talk to a financial counselor and find out what all of your options might be and then make an informed decision based off of the facts and not just what you think the facts might be. 
  3. If the lender you have chosen to move forward with suddenly starts telling you that your home needs a ton of repairs, be sure to find a new lender as quickly as possible.  HUD insures over 95% of reverse mortgages and they only require that the home be safe and functional.  Any small issues that your home might have shouldn’t even come into play during a reverse mortgage consultation. 
  4. If you feel pressured at all to sign on the dotted line to receive a reverse mortgage, do your part and do not sign the papers.  You don’t want to end up in a reverse mortgage nightmare just because you felt like you were being pressured into signing the papers.  Again, get up and leave the room if you feel any kind of pressure to sign on the dotted line for a reverse mortgage.
  5. Be sure to show up for the closing if you do decide to do a reverse mortgage.  If you are not present things may go astray and you might end up with a raw deal in the end. 

These are just a few tips to avoiding a reverse mortgage nightmare.  Do your part to pay close attention to detail so that you don’t end up living in the middle of a real nightmare.  

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

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Don’t Forget to Fall Back!

Saturday, November 5, 2016
by The Hat Team

 

 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.   

 

 

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