Archive for the ‘General Info’ Category

The Truth About Security Deposits

Wednesday, June 8th, 2011




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Yesterday the Department Of Consumer Protection sent this out to the Realtors in Connecticut:

The Astonishing Truth About Security Deposits

The most frequently asked questions so far this year have been about security deposits. Many of you assume you know what the law is on security deposits, but because we have had so many calls about security deposits, we thought we’d clear up any misunderstandings.

Landlords frequently tell their listing agents they want their tenants to pay first month’s rent, last month’s rent, two months’ security deposit and a pet deposit, all at the beginning of a lease.

If that’s what your landlord thinks is legally correct, he is wrong. If that’s what you think is legally correct, you are wrong, too.

There’s actually a Connecticut statute that is just about security deposits. CGS §47a-21.

“Security deposit” is a defined term. It is “any advance rental payment other than first month’s rent and a deposit for a key or special equipment”. That’s any advance rental payment other than first month’s rent for a key or special equipment.

Notice there is no mention of a “pet deposit”.

Notice there’s no mention of “last month’s rent”.

First month’s rent is okay.

If the tenant is giving the landlord money that is not for the first month’s rent or a deposit for a key or special equipment, it is considered security deposit.

The statute tells us how much security deposit is allowed:
 If a tenant is under 62 years of age, the landlord may take an amount equal to two months’ rent.
 If a tenant is 62 years of age or older, the landlord may take only one month’s rent.

Adding it all up, the most a landlord can take up front is:
 first month’s rent,
 two month’s rent as security deposit, and
 a deposit for a key or special equipment.

That’s it. That’s all.

No pet deposit. No last month’s rent.

The landlord is required to deposit the security deposit money into an escrow account where it should remain until the tenancy ends when the landlord can use it to offset any damage to the premises caused by the tenant.

To read CAR’s Q&A on Security Deposits, go to www.ctrealtor.com, click on Legal/Forms, click on Q&As, scroll down the alphabetical list to Q & A on Security Deposits.

 

So if  you have been asked to provide anything more than what is allowed above, contact the Department of Consumer Protection.

 



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Economic Update – Novemeber 1, 2010

Monday, November 1st, 2010




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Last Week in the News

——————————————————————————–

Existing home sales rose 10% in September to a seasonally adjusted annual rate of 4.53 million units from a revised 4.12 million units in August. The inventory of unsold homes on the market declined 1.9% to 4.04 million, a 10.7-month supply at the current sales pace, down from a 12-month supply in August.

The Standard & Poor’s/Case-Shiller 20-city housing price index — on a seasonally adjusted basis — fell 0.3% in August after a 0.2% decrease in July. On a year-over-year basis, prices rose 1.7% compared with August 2009.

The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending October 22 rose 3.2%. Refinancing applications increased 3%. Purchase volume rose 3.9%.

Orders for durable goods — items expected to last three or more years — rose 3.3% in September after decreasing a revised 1% in August. Excluding volatile transportation-related goods, orders posted a monthly decrease of 0.8%.

New home sales rose 6.6% in September to a seasonally adjusted annual rate of 307,000 units from a rate of 288,000 units in August. Economists had expected a pace of 300,000 units.

The Commerce Department announced that gross domestic product — the total output of goods and services produced in the U.S. — increased at an annual rate of 2% in the third quarter of 2010.

Initial claims for unemployment benefits fell by 21,000 to 434,000 for the week ending October 23. Continuing claims for the week ending October 16 fell by 122,000 to 4.35 million, the lowest level since the recovery began.

Upcoming on the economic calendar are reports on construction spending on November 1, factory orders on November 3 and pending home sales on November 5.

Visit my website and apply on line:
www.DavidJGarofalo.com



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Foreclosure Hotline – avoid foreclosure on your stamford CT home!!!

Tuesday, October 26th, 2010




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If you want to sell your house fast and easy, I’ve got the perfect solution!!

Normally, selling a house is a costly, complicated and time consuming process.

But I have a much easier solution for you!
Just type in your number below to speak to Nicole Borsey, foreclosure and Stamford short short sale expert!





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Stamford CT real estate…to list or not to list??? that is the question.

Monday, October 25th, 2010




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We all realize that it is not the ideal time to try and list your home, but if you are buying in the same area, say, Stamford CT for example icon wink Stamford CT real estate...to list or not to list??? that is the question. | CT Real Estate then your lowered house price will also be reflected when you buy your replacement house. Nothing is lost therefore – or is it?

Sometimes we can become aware of the fact that we really must move. Maybe the children are too big and we really need to move for that extra bedroom; perhaps there is a need for a bigger rec room, or an extra bathroom.

Many circumstances make house-moving come to mind, but have you worked out the cost of remodeling as opposed to the cost of moving? When we think about moving, we often think of all the irksome things about our home, but we do not remember all the conveniences that might not be available in the next home.

What about the qualities you really like about this home? Even small things like the sun shining into your kitchen in the morning are priceless to some people.

One of the first things to consider is your ‘gut feeling’. Do you want to move because you want to get away from something that is bugging you in that house? If so, think about including that in a remodeling project (as long as it is not an irritating neighbor!)

Write down all the things that are missing in the house you are in, that you know you can afford to buy in the next house. For instance, a third bedroom is one reason you must move, and you would like a big yard. But have you checked the prices of three-bed roomed homes with a big yard in your area?

Cost is really the biggest factor that we all have to takeinto account. Obviously the comparative costs of moving versus re-modeling may play a part.

It is easy enough to calculate the cost of remodeling, you simply ask a builder for a quote. (Use several builders.) If you are doing it yourself, then it will take longer to calculate everything you need to buy. Some hardware stores offer a quotation service. There are on line services for instance on the Home and Garden Web site, where you can pick out your kitchen or bathroom type, choose cabinets and colors of your choicer, one click and it all whizzes into place!

There are also short cuts you can take to get your dream kitchen, like just ordering new cabinet doors and drawers instead of refitting the whole kitchen. These replacement doors come in various price ranges starting from inexpensive white laminate up to classy dark cherry wood.

The cost of moving is harder to calculate, as it contains many hidden costs. For instance all the small costs like a day off work to move, the cost of moving boxes, the paint costs to touch up the outside of the house and those extra shrubs you will buy to make the yard look good.

The larger expenses are easier to spot, for instance: the fee to the realtor, the difference between the cost price of selling your home and buying the new home, the closing fees and legal fees for both houses.

Then there is the actual cost of the physical move, will it be by a removal company or do you plan to do it yourself? Once in the new home, what of drapes and any extras that will be required.

Once all the figures are in, and you have done the math, you may find it easier to make a logical decision and you also feel better in knowing all the cost factors involved – so there will be no surprises. If you do decide to sell, i would love the opportunity to provide a FREE no- obligation market analysis for your Stamford, CT real estate! Just email: nicole@thepropnet.com for an appointment!! icon smile Stamford CT real estate...to list or not to list??? that is the question. | CT Real Estate



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Economic Update – October 25, 2010

Monday, October 25th, 2010




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Last Week in the News
________________________________________
Industrial production at the nation’s factories, mines and utilities fell 0.2% in September, following a 0.2% increase in August. Economists had anticipated a gain of 0.2%. Capacity utilization fell to 74.7% in September from a revised 74.8% in August.
The National Association of Home Builders/Wells Fargo housing market index rose three points in October to 16. Economists had anticipated a reading of 14. An index reading below 50 indicates negative sentiment about the housing market.
According to the ICSC-Goldman Sachs index, retail sales fell 0.7% for the week ending October 16. On a year-over-year basis, retailers saw sales increase 1.7%, the weakest reading since May.
The combined construction of new single-family homes and apartments in September rose 0.3% to a seasonally adjusted annual rate of 610,000 units. Single-family starts rose 4.4%. Multifamily starts dropped 9.7%. Applications for new building permits, seen as an indicator of future activity, fell 5.6% to an annual rate of 539,000 units.
The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending October 15 fell 10.5%. Refinancing applications decreased 11.2%. Purchase volume fell 6.7%.
The index of leading economic indicators — designed to forecast economic activity in the next three to six months — rose 0.3% in September after a downwardly revised 0.1% increase in August.
Initial claims for unemployment benefits fell by 23,000 to 452,000 for the week ending October 16. Continuing claims for the week ending October 9 fell by 9,000 to 4.39 million, the lowest level since the recovery began.
Upcoming on the economic calendar are reports on existing home sales on October 25, the housing price index on October 26 and new home sales on October 27.

Click here to visit my website and apply on line:
www.DavidJGarofalo.com



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Economic Update October 18, 2010

Monday, October 18th, 2010




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Last Week in the News
________________________________________
The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending October 8 rose 14.6%. Refinancing applications jumped 21%. Purchase volume fell 8.5%.
The trade deficit increased 8.8% to $46.3 billion in August. Economists had expected the trade deficit to rise to $44.3 billion. Exports rose 0.2% to $153.9 billion. Imports increased 2.1% to $200.2 billion.
The producer price index, which tracks wholesale price inflation, rose 0.4% in September, matching a 0.4% increase in August. Core prices — excluding food and fuel — rose 0.1%, also matching a 0.1% increase in August. For the year, seasonally adjusted wholesale prices are up 4%.
Retail sales rose 0.6% in September after an upwardly revised 0.7% increase in August. Economists had anticipated retail sales to rise 0.5% in September.
Total business inventories rose 0.6% in August, following a revised 1.1% increase in July. Total business sales rose 0.1% in August after a 0.8% increase in July.
Consumer prices rose a seasonally adjusted 0.1% in September, following a 0.3% increase in August. For the year, seasonally adjusted consumer prices are up 1.1%.
The Reuters/University of Michigan consumer sentiment index for October’s preliminary reading fell to 67.9 from 68.2 in September.
Initial claims for unemployment benefits rose by 13,000 to 462,000 for the week ending October 9. Continuing claims for the week ending October 2 fell by 112,000 to 4.39 million, the lowest level since November 2008.
Upcoming on the economic calendar are reports on the housing market index on October 18, housing starts on October 19 and the index of leading economic indicators on October 21.

Click here to visit my website and apply on line:
www.DavidJGarofalo.com



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Distressed Homeowners. Options for your Stamford Short Sale.

Monday, October 18th, 2010




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Real estate is not always an easy venture to be involved in. Mortgages are huge loans, and monthly payments can be extremely steep. Especially with the trend a few years back to give out sub-prime mortgages, there have been a lot of foreclosures lately. But foreclosure should be avoided at all costs.
So let’s assume for a moment that you are unable to make your mortgage payments. You become a defaulted owner. Now what? Well, typically, your lending institution will foreclose its mortgage. If this happens, not only will you lose your property when it goes back to the bank, you will lose all your equity. In addition, foreclosure reduces your credit rating, leaving a permanent stain on your credit account. This can be extremely hard to remove, and may prevent you from ever borrowing again. Finally, you may even have to pay taxes on the debt reduction amount. So in trying to save money, you’ve only added another expense to your list of bills. All in all, foreclosure is a bad deal for you.
There are two main types of foreclosure, foreclosure by judicial sale (the type we have here in Connecticut) and foreclosure by power of sale. In the former, the court supervises the sale of the property. In the latter, the bank or mortgage holder sells the home. In a strict foreclosure, not in use in all states, the bank would assume the deed of the defaulted mortgage, without the obligation to sell. This method is less popular as few banks want to become landlords. Usually, by whatever means, the foreclosure involves the sale of the property. In Stamford, CT Foreclosures are Judicial.
If you are unable to make the mortgage payments on your Stamford, CT home, or in any other way are unable to fulfill the obligations of your lending contract, it is best if you sell your real estate as soon as possible. This may mean selling at a much lower rate than market value, however as a homeowner, you may be able to retain some equity from your home, and you will definitely save your credit rating. This is very important for your future real estate purchases, and just about anything else in your life. By selling your home yourself, with or without the help of an agent, you are keeping the power in your hands. Even if you come out of it with no equity, the chances of losing money is slim unless your home has become totally derelict. Even then, you are still better off selling it yourself than allowing a foreclosure to go ahead.
While in a stressful situation such as mounting debt, it can seem like the easy thing to drop everything and run. But as I’ve outlined, it is never to your advantage to let a property foreclose. The key to saving yourself from this fate may be an honest analysis of your expenses. If you can see a problem coming, you have more time to act on it. Rather than waiting to the last minute, put your home up for sale as soon as you suspect you will have trouble making payments in the future. The more time you have to sell, the more likely you’ll walk away with a fair price for your property. You may even be able to find another, cheaper home, and nobody will have been the wiser that you narrowly escaped financial disaster.

Nicole Borsey is a Stamford Short Sale Expert.

Contact her for FREE advice. There ARE options!!!



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Short sales-Protect your credit score

Saturday, October 9th, 2010




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It is in the news. Bank of America suspends foreclosures. This does not let you off the hook; you will just dangle a little longer. But it gives you time to start the short sale process and limit the damage to your credit history. Remember, a foreclosure stays with you forever, can affect your security clearance, and can even affect the value of your neighbor’s homes. Contact me now if you have a hardship and can not maintain your mortgage payments.



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7 reasons to own your home

Friday, October 8th, 2010




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1. Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.

2. Appreciation. Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005, and increased 88.5 percent over the last 10 years, according to the NATIONAL ASSOCIATION OF REALTORS®. In addition, the number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.
3. Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5. Predictability. Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.

6. Freedom. The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home.

7. Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

Online resources: To calculate whether buying is the best financial option for you, use the “Buy vs. Rent” calculator at www.GinnieMae.gov.

*Reprinted from REALTOR magazine, with permission of the National Association of Realtors. Copyright 2008. All rights reserved.



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Economic Update – October 4, 2010

Monday, October 4th, 2010




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Last Week in the News
________________________________________
According to the ICSC-Goldman Sachs index, retail sales rose 0.4% for the week ending September 25. On a year-over-year basis, retailers saw sales increase 3.6%, the best reading since early August.
The Standard & Poor’s/Case-Shiller 20-city housing price index — on a seasonally adjusted basis — rose 0.6% in July after a 0.3% increase in June. On a year-over-year basis, prices rose 3.2% compared with July 2009.
The consumer confidence index fell to 48.5 in September from a downwardly revised 53.2 in August. The index was benchmarked at 100 in 1985, a year chosen because it was neither a peak nor a trough in consumer confidence.
The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending September 24 fell 0.8%. Refinancing applications fell 1.6%. Purchase volume increased 2.4%.
The Institute for Supply Management reported that the monthly composite index of manufacturing activity was 54.4 in September after reaching 56.3 in August. Economists had anticipated a reading of 54.5. A reading above 50 signals expansion. It was the 14th straight month of expansion.
Total construction spending rose 0.4% to $811.8 billion in August, following a downwardly revised 1.4% drop in July. Economists had anticipated a drop of 0.4% in August.
The Commerce Department reported that consumer spending rose $41.3 billion or 0.4% in August, matching what economists had anticipated. Personal income increased $59.3 billion or 0.5%.
Initial claims for unemployment benefits fell by 16,000 to 453,000 for the week ending September 25. Continuing claims for the week ending September 18 fell by 83,000 to 4.45 million.
Upcoming on the economic calendar are reports on pending home sales on October 4 and wholesale trade on October 8.

Click here to visit my website and apply on line:
www.DavidJGarofalo.com



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