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Getting started using The Custom Real Estate Digest has never been easier! For the month of December we will set up your account for FREE and take 80% off of your first mailing! That is $100 savings and only $4.99 for your first mailing. Simply mention Promotional Code DEC15897 when ordering. Offer expires December 31, 2005. Don't delay Log onto www.customdigests.com today! ------------------------------------------------------------------------ Real Estate Digest Issue 1: Volume 1 - December 13,2005 Your Photo John Q. Realtor Office: 263.541.1212 Mobile: 563.555.1212 Fax: 263.535.1212 [EMAIL PROTECTED]://realtor.customdigests.com/ Your Logo Most Expensive Penthouses In The U.S. 2005 Penthouses have come a long way from being looked down upon as the least desirable place to live during the 1920s to their current status where they have come to represent the apex of real estate that is the exclusive preserve of a privileged few. According to Forbes.com, though Manhattan remains the most popular and renowned place for penthouses, South Beach, Florida is the latest addition to the list of places housing the most luxurious penthouses touching sky-high prices. The common advantages offered by penthouses apart from giving a spectacular view from the top included spectacular views, great light, outdoor space and unique layouts. [Sara Clemence, Forbes.com, 2005] In this issue * Most Expensive Penthouses In The U.S. 2005 * Home prices up 12%, U.S. says * Relocating Overview * Getting the most out of your second-home investment * Buyers set home price by deciding on purchase * Second Home Insurance Tips * 8 big mortgage mistakes and how to avoid them Home prices up 12%, U.S. says The U.S. average home prices jumped 12 percent from the third quarter of 2004 to the same period in 2005, which is a historically rapid pace. In this article from USA Today, the author reveals that as per the economists, appreciation rates in the third quarter were extremely strong, although some deceleration can be seen in a number of the faster-appreciating markets. The report is the latest in a series of sometimes conflicting data showing the historically strong housing market softening, but not crumbling. Existing-home sales declined in October, while new-home sales reached a record. [Sue Kirchhoff, USA Today, December 01, 2005] Relocating Overview The relocation process represents the next crucial step for homebuyers after the completion of all formalities related to purchasing a house. This article from Jacksonville.com presents a few key tips for homeowners that would help make the task of relocating less complicated. Prominent amongst these include doing research on the new community and the neighborhood, initiating address changes and informing all professional and personal contacts about the same, contacting local utility and phone companies and providing them with a date to end services, and packing belongings in a systematic manner. Keeping pets away and teaching kids about new address and phone details constitute some of the other tips. [ Jacksonville.com, 2005] Getting the most out of your second-home investment Potential homebuyers need to do the research carefully in order to get the most out of their second-home investment. In this article from Boston.com, the author cites that buyers should not let emotions overrule logic when it comes to buying. Some of the basics that are often overlooked in an emotional decision by the buyers are picking up the right place so that buyers get the resale value when sold or if rented then catch the renterâs eyes and possible renters dollars, finding the cash in order to put more as a down payment, looking tax as a benefit, but when mortgage interest is deductible on second homes, it is usually not wise to buy a home solely for tax reasons. Buyers are warned that before they invest, they need to create and hold a cash reserve to cover those weeks when the house is not rented, when the rent is late or when the toilet needs repair. [Tom Kelly, Boston.com, December 07, 2005] Buyers set home price by deciding on purchase It is the buyers who set the sale price, no matter what sellers ask, unless and until a buyer is willing to pay your price, no sale will take place. According to Auburn Journal, when selling your home, the asking price determines your success. Therefore it is wise enough to approach your Realtor for advice in order to make the right pricing decision. The Realtor knows what buyers have been willing to pay for other homes similar to yours. Home owners need to look closely at each sale that your Realtor has researched, comparing time on the market, features, financing offered, and then the final sale price that they have set. Your home's ideal price can be found in the maze of statistics provided by your Realtor. Price your home to sell, and buyers will compete for it. [ Auburn Journal, December 09, 2005] Second Home Insurance Tips Insurance is going to cost owners more on a second home because of a simple reason that they are not there as much to know about the condition of the house. According to Smart Money, there are several tips for homeowners on how to trim the second-home bill and how to make sure they have enough coverage. Prominent among these are insuring your second home with the same company, by this you should be able to save 5% to 10%, getting one of the insurance industry's new "package policies", which can handle two or three homes, umbrella liability coverage, homeowners will do even better. Most second-homeowners rent their properties furnished, but if you rent empty, make sure to let your insurer know because you will get a break on contents coverage. [ Smart Money, 2005] 8 big mortgage mistakes and how to avoid them The process of applying for a mortgage involves not just being aware of the required documentation procedures but also in getting familiar with a whole array of rules, regulations, and terms that may appear complicated to grasp in its totality for prospective buyers. According to the author, when confronting such a situation its all too easy for applicants to commit errors and to this end points out the leading mortgage mistakes that buyers should heed to in advance, prior to purchase. Prominent mistakes include not checking individual FICO scores six months in advance, overlooking state-sponsored first-time homebuyers programs, borrowing in excess of their ability to repay, and paying wasteful junk fees, amongst others. [Liz Pulliam Weston, MSN Money, 2005] Copyright 2003 - 2005 | The Real Estate Digest The above articles are provided for your information only and no endorsement of any author or viewpoint is expressed or implied. The providers of The Real Estate Digest are not responsible for third party content accessible through this newsletter, including opinions, advice, statements and advertisements, and the user shall bear all risks associated with the use of such content. 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