Wunderlich

It might not seem necessary to involve a real estate professional in a transaction where a buyer can deal directly with a builder. However, by using a real estate professional, you have someone to protect your interests and guide you along the right path. Here are 10 advantages to using a real estate professional when buying a newly constructed home.

1. Just as a real estate professional calls on experience and knowledge of an area to help buyers locate pre-owned homes in a community, he or she can also direct buyers interested in newly-built homes to developments and communities that match client specifications.

2. A sales professional can suggest builders with reputations for delivering a high-quality product, responding quickly to issues, and being financially sound.

3. A sales professional may be familiar with how a builder prices his products and where there may be room to negotiate price or upgrades.

4. Without representation, you are one buyer purchasing only one home. But a sales professional can significantly impact a builders bottom line by providing a steady supply of customers. This leverage may work in your favor at the negotiating table. [Note: The builder may require your sales professional to accompany you on your first visit to the site. Check with the builder.]

5.The lender approval process may go smoother if a sales professional schedules visits, accompanies you to lenders, and helps expedite required documents.

6. What may seem like a simple transaction can grow legally complex and risky. A sales professional is familiar with those complexities and risks inherent in the homebuying process. When such questions arise, we can steer you to the right advisors and services you may require.

7. When relocating to a new area, sales professionals can be particularly valuable resources. In addition to providing local area information regarding schools, day care or elder care services, public transportation, proposed development, and so on, once construction is under way, they can periodically stop by the work site, supply you with progress reports, and photograph or videotape phases of the construction.

8. A sales professional can assist you as you face hundreds of design choices and consider which upgrades could potentially add value to the home when it comes time to sell.

9. A sales professional can accompany you at the site while you okay the plumbing and electrical locations prior to dry walling, as well as on the walk-through or builder orientation.

10. Lastly, most often the builder pays the sales professionals commission. You enjoy individual attention and support at no cost to you.

Neda Dabestani-Ryba is a licensed Realtor in Maryland. She is a member of the President's Circle of Top Real Estate Professionals. She can be reached at (800) 536-3806 or visit her website for more information: http://neda.dabestani.pcragent.com/ Prudential Carruthers REALTORS is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity

You can find just about anything on eBay these day's a random browse brings CDs, clothing, cars, and skin to your computer screen. That's right, I said skin. One man recently auctioned patches of his body to advertising companies, who tattooed their logos on to him. EBay isn't the only site for surfers bit by the auction bug. There are literally hundreds of sites on the web where you can sell your useless crap and use the money to buy someone elses useless crap. It's a flea market if I ever saw one-just online. And hey, it's not all junk. You can find some great deals on auctions sites.

One problem: People are getting scammed, which turns them off to these types of sites altogether. Of course, security is bound to be an issue whenever the Internet and money are involved, but with online auctions, individuals are in control, not corporations who are more trustworthy with business transactions. 99 times out of 100, the relationship between auctioneer and buyer will go smoothly, but just in case, here's the top five ways users will scam you. Don't become that minority who walks away from a deal having lost both money and item.

1. Phony Users. I don't know what the reason is behind it, but some users will bid on items when they never have any intention of purchasing it. Your auction will be over, and the user will cancel his auction membership and disappear-and there's not much you can do to stop him. Most auction sites charge a fee to sell items, so not only do you still have the unwanted item on your hands, but you also have lost money trying to sell it.

One way to prevent this from happening is to closely keep track of you auction. When the auction closes, take note of the second and third runners up. That way, if the winner bails on you, you can contact the others to see if they are still interested in purchasing the item from you. At some sites, you also have the option of only accepting bids from confirmed users-these are bidders who have either won and paid for items in the past or who have their own auctioneer's account set up with the site. Check the guidelines, because every site is a little different on their definition of "confirmed buyer."

2. Stolen Credit Cards. If you own a business and choose to accept credit cards, be careful about how you do this online. When a user pays with a stolen credit card, it may take a few days for the rightful owner to realize it's one. Guess what? You won't get the money for your item, which is already in the mail-as good as gone.

Credit card payments are tricky, and I don't recommend using them unless you own a business with an online website that has credit card payments available. If not, call the credit card company. The name and address that the user provided for shipping should be the same name and address on the card. Companies are glad to check their records for you-it saves them time and money when their cards are stolen. If it doesn't match up, decline the card and ask for payment in another way.

3. Shipping and Receiving Scoundrels. Whether you're the buyer or seller, you should be cautious about the exchange of money and goods. Users can easily take your money or item and disappear without sending you what you're due.

In most conditions, it is the buyer's responsibility to send payment first. If you're using a personal check to pay for an item, date the check two weeks from the day you send it. That way, if the seller never sends the item, you can cancel your check before its cashed. The best choice, especially for larger items, is to use an escrow service. These companies act as a go-between for buyers and sellers.

Check with the Better Business Bureau or Consumer Reports before selecting a service to make sure they aren't scamming both buyer and seller by disappearing with the item and the money, both at once.

4. Check Bouncers. As with stolen credit cards, buyers can easily scam sellers by sending them checks that are no good. You receive the payment and mail the item, but when you go to cash the check, you find out that it is worthless. Don't shoot yourself in the foot-use a third party service instead.

Third party payment services, the most popular of which is paypal, allow people to create free online accounts to transfer money. Using a bank account or credit card, you can send and receive money almost instantly, which prevents users from stealing your stuff. This is the best option for payment after an online auction.

5. Identity Thieves. As with any online service, you need to be very careful with your personal information to prevent identity theft. These crooks are getting very sneaky, often the e-mails or messages you receive from them look and sound very official. As people are getting more web-savvy, so are cyber criminals.

Use a well-known auction site that you trust. These sites should never ask for information like your social security number. Most of the time they won't be the ones trying to scam you. Other users will use their company name to send e-mails demanding such information. If you get something in your inbox that looks fishy, forward it to the company or give them a call, and professionals there can tell you if it's legit. These sites will also never ask for your user name and password in an e-mail, so beware of claims that this information is needed.

Use common sense. The information you share online should be limited and you should always take preventative measures to protect yourself. Sites are only as secure as their users, so if you get scammed, most times you only have yourself to blame. Before signing up with any auction site, check their policies. Knowledge is the key to keeping your online transactions protected so that you can buy and sell all the personal property, goods and services you want. Before long, that green and orange polka-dotted couch will be yours.

Is your child's safety worth 5 minutes of your time? We have created the OSA Agreement to open the lines of communications and limit internet access, to inquiring little minds. For your Free Agreement, join thousands of other concerned parents and download it at: http://www.onlinesecurityauthority.com/ and click on the OSA Agreement, link at the top of the page. Your child's safety is a click away.

Bill Wardell Is the Senior Editor/Creator/Developer of Online Security Authority, the Author of "Don't Take Candy From Strangers" and a Authority Site Center Certified Coach. Speaker and Radio Show Host, Publisher, Researcher and National Radio Guest! To Get more Information about ID theft and Online Scams, click here: http://www.idtheft.onlinesecurityauthority.com/

Are stacks of papers, mail, newspapers, and growing to do lists cluttering your home? Has it been months since youve seen your countertops or have you completely forgotten what your countertops look like? Paper clutter includes bills, warranties, cards, mail, memos, sticky notes, lists, letters, advertising flyers, school papers, etc. If any or all of these items are cluttering your home and countertops, follow the simple ideas below to organize your papers and gain control over the clutter.

Mail: the general and well known rule for reducing stacks of mail is to handle it only once.

Choose an area for sorting mail and sort through it as soon as it arrives. Immediately throw away junk mail and separate the rest into several piles: bills, reading material, and mail to be shredded. Sometimes a fourth pile may be needed to separate your mail from your spouses mail.

Place reading material, such as magazines or catalogs into your inbox or magazine holder to be read later.

Shred all mail containing personal information. This will help to protect yourself from identity theft by safely disposing of mail that contains your Social Security number, bank account numbers, or credit card numbers. Be sure to shred all unwanted credit card applications and home refinancing offers.

Place your bills in your in box or wherever you pay your bills in order of the date they are due. Create a 13-pocket accordion file with tabs for each month and the last tab for income tax receipts. As you pay bills, write the check number and date on your copy and file accordingly. Also, add bank statements and credit card receipts in the correct months. At the end of the year, add your tax returns and store the entire accordion file.

Another bill paying method is to purchase a portable filing box or a filing cabinet. Create a filing system of bills paid by labeling manila folders for each company that you pay a bill to. After paying a bill, make a note of your check number and date paid on your copy and file in the appropriate file. At the end of the year, clean out the files that you dont need anymore to make room for the upcoming year.

Permanent Papers:

Create a tabbed filing system for papers you need to keep long term, such as car insurance, life insurance, homeowners insurance, medical insurance, childrens records, animal records, etc.

Receipts: use an accordion file, a large envelope, a plastic divided envelope, or a coupon wallet to organize your receipts.

Sort through your receipt file every 60-90 days and throw out receipts that have an expired return date. Be sure to shred receipts that have your credit card number printed on them.

Save gift receipts. A good rule to follow is to save the receipt for three months after giving the gift. You can also give a gift receipt with the gift for easier return or exchanging.

Toss out receipts that are not tax-deductible such as groceries, pet grooming, and dry cleaning.

Staple the receipts of major purchases to their warranty cards or with the instruction manual. For example, if you purchase a vacuum cleaner, staple the receipt to the instruction manual and file it in a labeled folder.

Income Tax Receipts:

Create a large envelope or a file folder for the current years income tax receipts. Place all receipts for the year that pertain to income tax in the envelope or folder. This will make it much easier when its time to figure out your taxes because all your receipts and statements will be in one location.

Manuals, Booklets, and Warranties:

Create a folder for each major appliance and store manuals, warranties, receipts, and any other important information to be saved. Label the folder for quick and easy reference.

Its also helpful to keep the receipts, instructions, and warranties of childrens products in case a product receives a recall notice or it stops working. This applies more to the larger products such as car seats, bouncy seats, swings, high chairs, electronic toys, etc. Create a folder for each product and label the folders for quick and easy reference.

Magazines and Catalogs:

Place them in decorative magazine holders next to your couch or wherever you read magazines.

Store the magazines and catalogs upright so it is easy for you to thumb through them and see what issues you have. As new magazines and catalogs come in, discard the oldest ones.

Books:

After you have read a book, donate it to a library or sell it if you dont plan to read it again.

Once your children outgrow their books, have them donate their books to a charity, kids book store, or library.

Coupons:

File the coupons in a coupon wallet or an envelope and carry them in your purse or car.

Be sure to go through your coupons on a regular basis and throw away the expired ones.

Business Cards and Contacts:

Store all business cards in a business card holder or a Rolodex.

Keep all addresses and phone numbers in one location such as an address book or a spreadsheet on your computer.

Childrens Artwork:

Purchase a colorful three-ring binder and include favorite artwork. To protect the artwork, place the papers in plastic sleeves made for three-ring binders.

Turn childrens artwork into cards that can be mailed to friends and family.

Create a file folder for saved artwork.

Purchase a portable file storage box with hanging file folders. Help your child to decorate the box and label the folders. For example, you might want one folder for kindergarten artwork, one folder for first grade artwork, and so on. This will keep all artwork organized and together in one place.

Hang up a bulletin board in your childs room where he or she can display their favorite artwork. They can change out the artwork as often as they like and they will enjoy seeing their artwork hanging up in their room.

Let your child choose a few favorite pieces of his or her artwork and frame it to match their room decor. Then hang the framed artwork in a special place in their room.

Whether you have a built-in desk filing system or you use portable file boxes, the important thing is to label your folders and boxes the way it works best for you. There are many attractive binders and file boxes available on the market today to help you organize your papers. You can purchase portable file boxes in all shapes and sizes. They come in natural fibers, pretty pastels, shabby chic, contemporary, and even see-thru. Three-ring binders and file folders come in different sizes and all the colors of the rainbow, while in boxes made of fabric or linen can be purchased to match your home decor.

In todays fast-paced world, its often easy to toss papers on your desk or countertop and deal with them at another time. By doing this, you create more work for yourself and more countertop clutter. So, take the steps to get rid of paper clutter for good and you will be more organized, you will take pleasure in seeing your countertops again, and most of all you will enjoy a more comfortable and peaceful home.

Lesley Dietschy is a writer, jewelry designer, and the founder of a network of popular websites including http://www.HomeDecorExchange.com and http://www.HomeGardenExchange.com Both of these websites feature valuable information and resources to assist you in decorating your home and garden.

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