Sustainable or Sustainable Development-What is it?

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This was taken from an e-newsletter that receive from Mark Sharpton, who’s a county commissioner for Logan County in Oklahoma District 1.

As a county commissioner I am often in regional planning meetings
where I continually hear the word “sustainable” or “sustainable
development.” If you begin to pay attention, you will hear it too, or
read it in news articles and reports generated by government planning
entities. What does the word mean and why is it used so frequently? It
sounds good, but is it? In an effort to educate myself on the subject,
I attended a conference in Tulsa to hear Rosa Koire, a recognized
spokesperson on the topic. I found what she had to say troubling. Here
is some of what she said and encouraged us to share with others….

“Sustainable Development was created and defined by the United Nations
in 1987, and the action plan to implement it was signed onto in 1992
by President Bush and 178 other nations. It was called Agenda 21, the
Agenda for the 21st century. Considered unsustainable under this plan
are middle class lifestyles, single family homes, private vehicles,
meat-eating, air conditioning, appliances, dams and farming.

President Clinton began to implement it in the US in 1993 by giving
the American Planning Association a multi-million dollar grant to
write a land use legislative blueprint for every municipality in the
US. It is called the “Growing Smart Legislative Guidebook with Model
Statutes for Planning and the Management of Change.” This was
completed in 2002 and is being used to train planners in universities,
colleges and government planning offices throughout the nation.
“Growing Smart” is sometimes referred to as Smart Growth.

“Growing Smart” is in planning departments and its principles are in
city and regional plans right now. In addition, there is “The Local
Agenda 21 Planning Guide” put out by the United Nations and the
International Council for Local Environmental Initiatives (ICLEI).
Urban areas are being consolidated and rural areas emptied of people
through restrictive land use policies, gasoline costs, loss of rural
road maintenance, closure of rural schools, closure of rural post
offices, water well monitoring, smart meters and regionalization
pressures. “Smart Growth” is not just the preferred building style for
UN Agenda 21/Sustainable Development; it is the ideology. Moving
people into centralized urban areas in high density housing creates
the perfect opportunity for domestic surveillance. This ideology is
being used as the justification to radically change every city in the
US and to impose regulations dictated by unelected regional boards and
commissions. It is remaking government. This affects private property
rights and extends to every facet of our lives: education, energy,
food, housing and transportation.”

As a county commissioner, I can assure you that I have seen efforts
underway to implement “sustainability.” It is occurring at various
levels of government. On Friday, May 24, 9:30 am to 4:00 pm, Kevin St.
Jacques, part of the National Complete Streets Speakers Bureau will be
in Guthrie to present a workshop which I believe is related to this
issue. A public form is scheduled the same day at 6:00 pm at Guthrie
City Hall Council Chambers. Specific information about this event is
posted at www.commissiondistrict1.com.  Additional information about
“sustainability” is available at http://americanpolicy.org/agenda21/.

If I Was The Queen Of Real Estate

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English: Manufactured home built and ready for...

English: Manufactured home built and ready for shipment to your site (Photo credit: Wikipedia)

If I was the queen of real estate I would require all mobile/manufactured home sellers to disclose what type of foundation they have.  This would keep a lot of buyers from wasting time and money on whether or not a lender will actually loan on the manufactured home.

Mobile/manufactured homes are a big question mark to lenders and they don’t like loaning money to people to buy them. However, if the foundation is set according to HUD regulations along with age verification of the home, it could qualify for a USDA, FHA and or VA loan types.

How do you find out?  The seller would know and if they truly don’t know then it’s up to the buyer to pay a structural engineer to inspect the foundation to let them know.  How frustrating is that?

Seriously, the seller would know.  I say if they don’t, Walk away.  unless you have a good friend or relative who’s a structural engineer who will check it out for you.

Lessons Learned

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What was the one experience that completely changed your life? What happened? How did it change your life?

I was only 30 years old when My first husband passed away from a brain tumor.  My son was 11 months old. The responsibility to take care of my husband and my son was overwhelming, but manageable. Or at least I thought it was.

We dealt with all kinds of doctors an specialists.  When I look back at that experience I remember that we were told to do and to do that and that is what we did.  I had never been in a situation where I was a care giver to someone who was terminally ill. 

When I look at the experience now, I think I am not believing anything doctors tell me. I realize that we have choices but,  that only through experience will we learn that.

We experience and learn.  We live and learn.  So when someone offers advise with something that your going through, they may know something that you don’t.  The advise could be helpful.

I wouldn’t change the experience for anything. It taught me a lot. I don’t regret or resent anyone or anything.  I’m still learning. Through mistakes and experience, I learn.

 

HUD announces changes to FHA

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HUD Announces Changes to FHA
On January 30, 2013, the Federal Housing Administration’s (FHA) Commissioner Carol Galante announced a series of changes to be issued this week that manage risk and further strengthen the heath of FHA’s Mutual Mortgage Insurance Fund (MMI Fund). Highlights of some of these changes are below. For more information, click here.Consolidation of the Standard Fixed-Rate Home Equity Conversion Mortgage (HECM) and Saver Fixed Rate HECM pricing options.
The annual mortgage insurance premium (MIP) for most new mortgages will increase by 10 basis points, or by 0.10 percent.  Premiums on jumbo mortgages ($625,000 or larger) will increase by 5 basis points, or 0.05 percent.  These premium increases exclude certain streamline refinance transactions.
FHA will require most FHA borrowers to continue paying annual premiums for the life of their mortgage loan.
Downpayment requirements for mortgages with original principle balances above $625,500 will be raised from 3.5% to 5%.  

OKC Foreclosure Rates Up

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Real estate notes | NewsOK.com.

OKC foreclosure rates up:

Foreclosure rates in the Oklahoma City area increased in September compared with September 2011, according to Santa Ana, Calif.-based CoreLogic. Data shows the rate of foreclosures among outstanding mortgage loans was 2.44 percent, compared with 2.19 percent the same month the year before. Foreclosure activity in Oklahoma City was lower than the national rate, which was 3.25 percent in September.

Mortgage arranged for:

 

Dallas-based Metropolitan Capital Advisors has arranged a $63-million permanent fixed-rate mortgage for the new Boeing Corp. regional headquarters, 6001 S Air Depot Blvd. The non-recourse loan represented a 70-percent loan to value. Senior directors Todd McNeill and Sunny Sajnani arranged 10-year financing at a fixed interest rate of 4.85 percent. The deal has one year of interest-only payments and 30-year amortization.

 

photo - A ceremony is held June 7 for the opening of Boeing’s newest office building. Photo by STEVE SISNEY,  THE OKLAHOMAN ARCHIVES

Proceeds were used to retire debt, fund tenant improvements, fund closing costs and provide equity to the sponsor. Oklahoma City’s Gardner Tanenbaum Group designed and built the Boeing properties, a four-story building in 2007 and a larger six-story building that opened in June to accommodate many of Boeing’s workers being relocated from the West Coast and Kansas.

Stats About Consumers and Mobile Devices

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Read these stats about consumers and mobile:

  • There are 7 billion people on Earth. 5.1 billion own a cell phone. 4.2 billion own a toothbrush. (Mobile Marketing Association Asia, 2011)
  • It takes 90 minutes for the average person to respond to an email. It takes 90 seconds for the average person to respond to a text message. (CTIA.org, 2011)
  • Mobile coupons get 10 times the redemption rate of traditional coupons. (Mobile Marketer, 2012)
  • 91% of all smart phone users have their phone within arm’s reach 24/7 – (Morgan Stanley, 2012)
  • 44% of Facebook’s 900 million monthly users access Facebook on their phones. These people are twice as active on Facebook as non-mobile users (Facebook, 2012)
  • Mobile marketing will account for 15.2% of global online ad spend by 2016. (Berg Insight, 2012)
  • It takes 26 hours for the average person to report a lost wallet. It takes 68 minutes for them to report a lost phone. (Unisys, 2012)
  • 70% of all mobile searches result in action within 1 hour. 70% of online searches result in action in one month. (Mobile Marketer, 2012)
  • 9 out of 10 mobile searches lead to action, over half leading to purchase. (Search Engine Land, 2012)
  • 61% of local searches on a mobile phone result in a phone call. (Google, 2012)
  • 52% of all mobile ads result in a phone call. (xAd, 2012)

Whidbey Island, Washington is a must visit

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IMG_1228

Remodel or Realtor

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Our lives change. Unfortunately, our homes don’t always get the hint and change with us.  Our families grow and then they shrink (and sometimes grow again).  We develop new hobbies,  start working from home or suddenly realize that “country living is the life for me”.  These changes often mean that our homes no longer meet our needs.
When this happens you must decide what to do with your suddenly obsolete home.  Basically you have two choices: remodel it or sell it.

Remodeling a home to meet your needs is a viable option.

  • The cost of remodeling can often be less than the cost of buying a different house. Depending on your situation, simple changes to a home can be made inexpensively if you are a DIYer.  As an experienced DIYer myself I would take a serious look at this option for simple changes such as turning a bedroom into an office. More complex changes, like adding bedrooms by “building on”, require more careful consideration. The cost of remodeling increased exponentially with a project’s increased complexity. Every home improvement job has unexpected expenses.  The basic office conversion example I used earlier will have unexpected cost. The home addition example will have many times the number of unexpected cost and these additional cost can easily push us into a situation where we now have spent more on a house than is justified by its current market value.
  • Some problems can’t be fixed by changing our current homes to meet our needs. For example, “Country living” can’t be attained on a quarter acre lot no matter how many trees we plant.  When faced with this situation it is usually best to move.

Selling your home to buy one that better meets your needs is an option that many people choose because it easily fixes the problem whether your house is too small, too large or just located in the wrong spot.

  • Selling a home is an exceptionally complex task. I advise home owners all the time to” hire an attorney and sell it yourself”, or use a realtor. They both cost $, but here’s the difference.  If you sell your house yourself you will pay for all the marketing, do all the showings and pay an attorney even if your house doesn’t sell. Realtors, on the other hand, pay for all the marketing, do all the showings and handle the legal stuff, and only get paid when your house sells.
  • The costs of selling your house involves more than attorney vs Realtor. For example, if you price your home too low and sell it for less than its best market value then that cost you money. Another cost of selling your home involves how long it takes to sell.  If you price your home too high and its doesn’t sell at all then you have made months of unnecessary payments on a home that doesn’t meet your needs.  This can be especially costly if your goal is to downsize.

What to do?

  • There is no single best option. What’s best for one person may not be best for someone else. I recommend taking a look at your needs and doing some research. We realtors are a helpful bunch and the right realtor can serve as a valuable resource. The Internet is also a good place to learn more.  Information such as market values and construction cost can be found there too.

 

Today’s post will hopefully help you see some of the questions and solutions to consider when your house is not meeting your needs. If you have specific questions or just want to point out irritating grammatical errors feel free to contact me at floraqualls@yahoo.com

Fall is a good time to sell

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To Sell Or Not To Sell
Here is the answer.

Have you been wondering if Fall is a good time to sell your home?  The simple answer is YES! 
Here’s why.  Sales prices are up in Edmond. According to Trulia.com, the median sales price has increased 33% since July 2012.
What that means is the people who sold their homes in September and October had higher selling prices than the folks who sold their homes in July. 
Take advantage of this. Call me…

September 2012 Housing ENewsletter

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Logo of the National Association of Realtors.

Logo of the National Association of Realtors. (Photo credit: Wikipedia)

 

 

 

 

 

 

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

Please click on this link to view the Housing Trends SEPTEMBER – 2012 Newsletter http://floraqualls.housingtrendsenewsletter.com

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.

Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports.

If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report:

http://floraqualls.housingtrendsenewsletter.com/dispContent.cfm?loadid=2&loadtype=0

Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.

Sincerely yours,

Flora Qualls
EXIT Realty Martin & Associates
105 E. Oklahoma Guthrie OK 73044 405-361-3098 floraqualls@yahoo.com
to unsubscribe.floraqualls@yahoo.com

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