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The First Question Is Usually: How Much Should I Offer?

Posted on: July 14th, 2019 | By Cliff Keith | Buyers Tips, Saturday Buyers Tips - Real Estate Know-How For Home Buyers |

The First Question Is Usually: How Much Should I Offer?

The First Question Is Usually: How Much Should I Offer?Clients often ask me, “How much under the listing price should we offer for this house we like?”

The best way to understand market value is through comparative market research.  Professional real estate consultants review and study at least 40 to 60 listings, visit 10 to 20, and inspect 5 to 10 properties to develop a sense of relative worth for properties in a given area. They do this by attending Broker Tour to see all the new homes on the market. These Broker Tours take place on a weekly basis.

Additionally, various professional appraisal factors are use in determining the fair market value of a home.  An AMI appraisal protects you with your chosen Lender because Lenders want to make sure that you don’t overpay for a home.  If you over pay the risk for the Lender increases. If the home value does not meet the sale price in the eyes of the appraiser, they’ll let you know.  At that time many things can happen. The Realtor can renegotiate the agreement sale price, or void the agreement and your earnest money deposit usually is refunded.

There are four basic factors that influence how sellers price their homes. Having knowledge of these four basis factors will help greatly in determining what to offer on the home you want to purchase.


1.  Sellers Get Poor Advice

The First Question Is Usually: How Much Should I Offer?

 

Some real estate agents inflate the value of the seller’s home so they will be selected as the listing agent.  There’s a natural tendency by sellers to list with the real estate agent who gives them the promise of the highest selling price. Everybody wants to be sure they don’t leave any money on the table. It’s human nature.

 

When homes are overpriced, they

  • Stay on the market longer
  • Buyers are reluctant to submit an offer
  • If days on the market exceed norm buyers think there’s something wrong with the house
  • Home buyers start to present patently frivolous offers
  • Worse the home may not sell

2.  Sellers Set an Unrealistic Price for Emotional ReasonsThe First Question Is Usually: How Much Should I Offer?

These sellers believe their home is worth every penny of their asking price for their personal reasons.  Sometimes they lose their objectivity and focus on features that seem more valuable to them (and not to the buyer).  For example, the suede wall-covering in the master bedroom may not appeal to potential buyers. On the other hand it’s the “cat’s meow” to the sellers.

Additionally, some sellers, anticipating reluctance to buy, feel it’s a good idea to leave a little “wiggle” room in the asking price. Today’s real estate market isn’t like that anymore.


3.  Sellers Price their Home at Fair Market Value

These sellers carefully and realistically study other homes for sale, and will consult with a real estate professional. they want to get a professional opinion about every aspect of their home. They price their home competitively, and it usually sells quickly at (or very near) the asking price. In today’s real estate market a well priced home usually sells over the asking price. This is because home buyers know value and will pay for it without negotiations.


The First Question Is Usually: How Much Should I Offer?4.  Sellers are Motivated to Sell

When sellers want a fast sale, they price their home below fair market value.  These homes usually sell right away, at or above the listed price.  There are usually competing multiple offers. Sellers too know the current market.

Cliff Keith will help you decide the fair market price for any home.  My job is to make sure that you have the tools and information you need to make an informed decision.  I will provide a current Comparative Market Analysis, (CMA). I’ll help you every step of the way answering any of your concerns or question about the home buying process


The First Question Is Usually: How Much Should I Offer?If you would like to subscribe to my newsletter please do so in the comment section. You can also sign up for your own personal organizer that will send you homes that meet your own criteria. I’ll need an email address only.

If you want to search for any home in the Greater Bay Area you can do easily at the top of my website.  FYI: be sure to put the community you want to search in the  dropped down box when the site launches.

Finally, I am always looking for people who would like my Facebook Page. You can like it at the bottom of this post or  go to here and click like. Thank you. I appreciate you helping me out.


What to do next?

If you know of someone who may need my help what should you do? Here are 3-Simple Steps to take to make sure they get the best possible advice today. You want that for them don’t you?

The First Question Is Usually: How Much Should I Offer?

 

1.) Take out your cell phone,

2.)  Look up my number (650-346-7366)

3.) Call me immediately

 

When we speak, you’ll know the best possible way for them to get help they need. Once we talk they will have a fighting chance to win in this rapid paced real estate market.

Your introduction of them to me will be something they will thank you for years to come.


What you can do to help me out…

If you know someone who would improve their chances of buying a home from this information would you please forward this on to them? Someone like a work associate, a friend, a family member, or neighbor. When you think of anybody who is thinking of buying or selling their home would be the time to pass this information on to them.

Thank you in advance. I appreciate it.

Cliff


If you know someone who could benefit from a weekly list of Sunday’s Open Houses, would you please forward this on to them? All they need to do is submit a request on the form link on this site. If you prefer, you can send me their names or email addresses. I will add them to my private list to receive weekly Sunday Open houses. This list includes all open homes in San Mateo and Santa Clara counties. It’s a great resource to get them started on the right foot. They will thank you for thinking of them and their best interest.


#howtopriceahome #offer #appraisalofhometobuy #buyingahome

Cliff’s Notes on real estate… July 2019

Posted on: June 30th, 2019 | By Cliff Keith | Cliff's Notes on Real Estate | No Comments

Cliff's Notes on real estate... July 2019

July 2019

Dear Friend,

Summer is hitting its stride and most of us are enjoying some vacation time. For that reason, this month’s newsletter is devoted to time off! Here are some of the fun articles you’ll enjoy as you sip your lemonade in the shade:

  • A heart-warming story about an Irreplaceable Summer
  • Wilderness Survival Tips
  • Unique Vacation Ideas
  • A simple and easy recipe for a Summer Pie
  • And an informative article on how to Help Children Gain Perspective

Remember that late summer and fall are excellent times for real estate moves. Home buyers are pushing to get into a new home before winter and home sellers are anxious to make a deal before the start of school. 

If you’re thinking about selling, please contact me now, (650) 346-7366 so we can work towards a smooth transition. Talk with you soon.

Your friend in the real estate business,

Cliff Keith
650-346-7366 Cell/Text
Cliff@SFBayHomes.com

An Irreplaceable Summer

Daniel was a very clever boy who liked school well enough but was happy to be on summer vacation. With July half over, his mom reminded him that he was supposed to be reading every day. She suggested that he take the assigned summer book over to his Grandma’s house and read to her, thinking that it would benefit both of them.

A week later, Daniel still had not started his reading. That night, at bedtime, his mother sat on the edge of his bed and asked him three questions: Who won the World Series thirteen years ago? Who is the wealthiest person in the world? Who has been given the Pulitzer Prize in the last five years? Daniel could not answer her.

Second question:

She then asked him a second set of questions: Who is your favorite teacher? What makes Ryan your best friend? What is the best thing about Dad? In answering those questions, Daniel ended up talking with his mom for almost an hour.

As she finally tucked her son into bed, Daniel’s mom told him: “Applause dies, awards tarnish and celebrities come and go. However, the people who matter stay with us forever. Appreciate your teachers, love your friends and enjoy spending time with family while they are still around because those are the people who make you who and what you are— they are irreplaceable.”

The next morning, Daniel grabbed his bike helmet and practically flew out of the driveway. That fall, when he was inevitably asked to write an essay about what he did on his summer vacation, he wrote about how he spent all of August talking with his Grandma. It was the best vacation of his life. ~ Cliff

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INSIDE THIS ISSUE:

  • An Irreplaceable Summer

    Wilderness Survival Tips

    Help Children Gain Perspective

    How Early Farming Affected Language

    Night Owls & Early Birds

    Not Your Usual Safe Deposit Box

    Special Order

    Unique Vacation Ideas

    Recipe: Summer Pie

    The Thirsty Trio

Wilderness Survival Tips

Cliff's Notes on real estate... July 2019Could you survive being lost in the woods? People all over watched the news coverage in March 2019 when two sisters ages 5 and 8 survived almost 48 hours alone in the wilderness. According to the girls, who are both comfortable campers and hikers, they survived because they used the survival skills that they had learned from their local 4-H club.

As soon as they realized that they were lost, they found shelter from a fallen branch, started a fire and huddled together for warmth. They kept up a constant flurry of noise, singing nursery rhymes in the hopes that someone would hear them and stayed positive so that fear wouldn’t get the best of them.

The girls followed the four basic tips you should follow:

If you find yourself lost in the woods. If you have a hiking or camping excursion planned, commit these tips to memory and make sure that any young children in your camping party know them as well:

1. Shelter in place. When you realize you are lost, stop and don’t go any further. Stay where you are and look for a tree, bush or brush that can be gathered to create a barrier against the elements or other areas of the landscape where you can take shelter.

2. Stay warm. It’s always best to have an idea of the terrain and climate you’ll be exploring so you can dress in the appropriate layers of clothing. When you venture outdoors you should be prepared for the elements and have protection in case the weather changes.

3. Be visible and audible. Wear bright clothing to set yourself apart from your surroundings. Carry a flashlight, mirror and other personal objects that you can use to create a signal or mark your location. Bring a whistle or some other item that can make noise and lead help to you.

4. Keep your wits about you. You’ll probably be scared, but don’t allow yourself to panic. Stay positive and mindful of your surroundings and believe that there are people out there looking for you, because someone probably is.

Help Children Gain Perspective

Sometimes, a bit of perspective is all that someone needs to overcome conflict in their life. The next time you see a young person you care about struggling with conflict, see if talking it out can help them gain perspective and come up with solutions. Ask them the following and see what comes up in conversation:

  • Do you dislike the other person?
  • Do you distrust him or her?
  • Do you want to “win”?

Answering “Yes” to any of these questions may be a signal that they’re overreacting to personal issues


How Early Farming Affected Language

Scientists from the University of Zurich have a theory: the words we use today are heavily influenced by the rise of farming some 6,000 years ago. The scientists working on the study explain that when humans eat tough food, such as game meat, their jaws shift to remove an overbite as they grow up. When they chew softer foods, the overbite remains. Having that overbite allows us to make the “f” and “v” sounds, (called labiodentals) more easily. In other words, having access to softer foods changed how our jaw structure affects speech.

Linguists studying the evolution of language have found that labiodentals began to increase around the world over the past 6,000–7,000 years, especially when milled and dairy products became more common due to farming. Computer simulations support the theory, showing that the shift from an edge-to-edge bite to a slight overbite makes it easier to pronounce labiodental sounds.

Night Owls & Early Birds

The early bird gets the worm… as well as other benefits, according to a story on the New York Post website. A survey of sleep habits involving 2,000 people found that self-identified early birds generally make more money, are more likely to work in an office setting, and describe themselves as happy. They’re also more likely to be married with children in their home.

Cliff's Notes on real estate... July 2019On the other hand, night owls are typically shy and sarcastic, more likely to believe in ghosts and are more often single.

Both groups actually sleep about the same amount— seven hours a night for early birds and six hours for night owls. However, early birds are light sleepers and they tend to feel more well-rested.

The task of leadership is not to put greatness into humanity, but to elicit it, for the greatness is already there. —John Buchan

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Life grants nothing to us mortals without hard work. — Horace

Not Your Usual Safe Deposit Box

Looking for someplace to hide a precious heirloom? Try some of these quirky places:

  • Bookcases. Many bookcases have a few extra inches of space beneath the bottom shelf, hidden behind some molding. Remove the molding and store valuables there.
  • Ironing Boards. You can hide important documents between the board and the padding. Also, the hollow area inside the legs (pull off the rubber or plastic pads) can be used to store rolled-up cash or small items.
  • Spice Jars. Pour the spice into a bowl, then coat the inside of the jar with glue. Refill the jar, then empty it again. Make sure the jar looks like it’s full of oregano (or whatever you used) and place money, credit cards, or other valuables inside.
  • Trash Cans. Place important items at the bottom, then use a liner to conceal them.
  • Vent. Your heating and air-conditioning vents can make useful hiding places.
  • The Hamper. Nobody likes to dig through dirty laundry… not even thieves.

Special Order

The general manager at a local drugstore overheard a seasoned employee tell a customer, “Hmm. We haven’t had any for quite some time. We probably won’t get any until the end of the month.”

The customer thanked the clerk and was headed to the exit when the manager rushed to him and said: “Come back next week. We should be restocked by then. If not, we might be able to make a special order for you.”

As the puzzled-looking customer left, the clerk dropped his head in embarrassment.

The manager approached the employee. “How many times have I told you not to let anyone walk out of this door without having a reason to come back? Even if it is something we no longer sell, give them a reason to come back. Now what was this customer asking about?”

The employee looked at his boss. “Rain.”

We live in a society exquisitely dependent on science and technology, in which hardly anyone knows anything about science and technology. —Carl Sagan

Unique Vacation Ideas

Thinking of taking a summer vacation? Check out these top trends for vacation plans!

  • Unique accommodations, including RVs, castles, luxury tents, islands and treehouses.
  • Hotels with unusual offerings such as art classes for guests, outdoor showers and pet-friendly accommodations.
  • Food tours of a particular region or type of cuisine with personal instruction from a local chef so you can duplicate delicious dishes when you get back home
  • Wellness vacations with limited access to technology, a focus on personal nutrition rather than indulgence and scheduled time with a personal trainer.
  • Packages that promise a new skill such as learning how to surf or a few weeks dedicated to a language immersion program.

Summer Pie

Nothing says summer like a berry pie! You might want to bake this in the cool hours of early evening and enjoy it warm as a late-night snack.

Ingredients:

Pie Crust:

2 1/2 cups all-purpose flour plus extra handful

1 teaspoon salt

2 tablespoons sugar

2 sticks unsalted butter

6-8 tablespoons ice water

Pie Filling:

4 cups fresh berries

3/4 cup sugar

1/4 teaspoon salt

1/2 teaspoon cinnamon

Directions:

Preheat oven to 375 F or 190 C. Make pie crust by mixing all dry ingredients, then adding butter until the mixture resembles cornmeal. Slowly add ice water, one tablespoon at a time until just blended. Gather dough into a ball, roll out onto the extra handful of flour and form into a pie pan.

Loosely mix all the ingredients for the pie filling, then pour into crust. Bake for about 50 minutes or until the crust is golden brown. Enjoy with a friend!

One of the most important universal truths is that to speed up effectively you must learn to slow down. — Michael Gelb

Look How Amazing Your Brain Is!

Cliff's Notes on real estate... July 2019Here’s an interesting experiment in brain function, sometimes used to test if a person has mental deterioration. Warning: if English is not your native tongue, you may naturally have problems with this exercise.

I cdnuolt blveiee that I cluod aulaclty uesdnatnrd what I was rdanieg. The phaonmneal pweor of the hmuan mnid, aoccdrnig to a rscheearch at Cmabrigde Uinervtisy, it dseno’t mtaetr in what oerdr the ltteres in a word are, the olny iproamtnt tihng is that the frsit and last ltteer be in the rghit pclae. The rset can be a taotl mses and you can still raed it whotuit a pboerlm. This is bcuseae the huamn mnid deos not raed ervey lteter by istlef, but the word as a wlohe. Azanmig huh? Yaeh and I awlyas tghuhot slpeling was ipmorantt!


Take Action

To get in shape and stay in shape, you don’t need to do everything at once. Put one or two changes into practice, such as controlling your portion sizes or cutting back on added fats and sugars in your food choices. When you feel comfortable with your progress, try something else. 

Add physical activity to your day. Nice weather makes it easy to get outdoors and get your recommended amount of daily physical activity.

These activities can count toward your day’s total exercise: 

  • Go for a brisk walk during your lunch hour or after dinner. 
  • Take the stairs instead of the elevator or escalator whenever possible. 
  • Skip the drive-thru car wash and wash the car yourself. 
  • Engage your green thumb by doing some gardening. Consider growing your own fruit, vegetables and herbs. 
  • Walk in place while watching TV. 
  • When possible, ride your bike to school or work — or use it to run errands. 
  • Plan an active family vacation or a weekend outing. 

Like good eating habits, regular physical activity needs to be part of everyone’s healthful lifestyle. Remember, your goal is to make changes gradually so you can stick with them and won’t have to repeat this process next year. 

Imagine me as your real estate consultant…

What I do for you is invest my time consulting, negotiating, and organizing the details of your transaction because I want you to have a superb experience that will cause you to want to introduce me to the people you care about most.

The purpose of my business is referrals, which means I must bring the type of value that makes you feel comfortable introducing me to the people you know that need my help.
I thank you sincerely, and so will the people you introduce to me.

Cliff Keith

Logic will get you from A to Z; imagination will get you everywhere. —Albert Einstein

The Thirsty Trio

Cliff's Notes on real estate... July 2019

 

A man was wandering through the desert with his horse and his dog. After several hours under the heat of the sun, the dog sat down and said: “That’s it. I’m not taking another step until I get some water.”

The man gasped and said: “I didn’t know dogs could talk.”

The horse looked at the man and says, “Me neither.”

 

“Life isn’t about finding yourself. Life is about creating yourself.” — George Bernard Shaw

Some Colors Make Sense Together

Both science and and conventional color wisdom say that colors on opposite sides of a color wheel—complementary colors—look good together in your home decor.

The most common sets of complementary colors are red and green, yellow and purple, and orange and blue, derived from the Red-Yellow-Blue color model. If you use a different color model, you’ll have different sets of complementary colors. For instance, in the additive color model, the complements are green and magenta, red and cyan, and blue and yellow (IKEA, anyone?).

Colors:

Complementary colors work because different types of cones (photoreceptor cells in your eye) perceive different colors of light. If you stare at a block of color and then quickly look at a white wall, you’ll see a light afterimage in the complementary color. For instance, if you stare at a blue square, after a while the cells in your eye that process blue light will become fatigued, making the signal they send to your brain weaker. Since that part of the visual spectrum is suppressed, when you look at a white wall after staring at the blue square, you’ll see a faint orange afterimage—the complimentary color.

So what does this mean for your decor? It means that combinations of primary and complementary colors are dynamic together. Choose a color model to start with, then pick one of the complementary pairs to decorate with.

When given an opportunity, deliver excellence and never quit. —Robert Rodríguez

Sleep? There’s An App For That

We use apps on our smartphones for all sorts of things, and there are some that will track sleep patterns. In a survey of 934 mobile phone users by the NYU School of Medicine, 28 percent of participants reported that they use a health app to monitor how long they sleep, what time they go to bed, and whether they wake-up in the middle of the night, as well as whether they snore, have breathing problems while asleep, or change positions.

Thirty-five percent of men and 20 percent of women reported tracking their sleep, and the average age of sleep trackers was 34. The most popular apps (of 24 named in the survey) were Fitbit (10 percent), Lose It (3.5 percent), and Apple Health (2.6 percent).

Quotes to remember…

Imagination is the beginning of creation. You imagine what you desire, you will what you imagine, and at last, you create what you will. —George Bernard Shaw

There is only one thing that makes a dream impossible to achieve: the fear of failure. —Paulo Coelho

It shouldn’t be easy to be amazing. Then everything would be. It’s the things you fight for and struggle with before earning that have the greatest worth. When something’s difficult to come by, you’ll do that much more to make sure it’s even harder—or impossible—to lose. —Sarah Dessen

Sometimes I feel like relationships consist of telling your same life stories to different people until someone finally appreciates them. —Kate Rockland

Do you wait for things to happen, or do you make them happen yourself? I believe in writing your own story. —Charlotte Eriksson

People buy into the leader before they buy into the vision. —John Maxwell

This newsletter is intended for entertainment purposes only. Credit is given to the authors of various articles that are reprinted when the original author is known. Any omission of credit to an author is purely unintentional and should not be construed as plagiarism or literary theft.

Copyright 2019 Cliff Keith DRE #00605874 dba SF Bay Homes with Today | Sotheby’s International Realty DRE #01069814. This information is solely advisory, and should not be substituted for medical, legal, financial or tax advice. Any and all decisions and actions must be done through the advice and counsel of a qualified physician, attorney, financial advisor

Is It Time To Cancel The 4th of July?

Posted on: June 30th, 2019 | By Cliff Keith | Holidays | No Comments

Is It Time To Cancel The 4th of July?

Is It Time To Cancel The 4th of July?

Redwood City, CA: We all complain sometimes about the challenges and worries of our lives. We blame our government, our jobs, or our families for them. The main-stream press has us convinced that there is a 49% to 51% opinion on every subject in America.

If this is true don’t you think It’s Time To Cancel The 4th of July? The 4th of July is right around the corner. This is a day that symbolizes the opportunity for all people to be free and guaranteed various rights.

Is It Time To Cancel The 4th of July?Some of your guaranteed rights 

  • Free from oppression of tyrants.
  • The promise of the separation of church and state.
  • First Amendment right of free speak, even if our government doesn’t agree with us.
  • The right to bear arms.
  • The right to be tried and judged by a group of your peers in any civil, tort, or criminal charge.
  • All the right to habeas corpus.
  • The right to pick our governmental officials through a process of the secret vote. If we don’t like them then we can vote them out.

No other place on this plant earth affords their citizens these rights. Even the United Kingdom will only allows you to speak your mind once a week.  Usually on a “soap box in a public park.  We know what rights are allowed in other countries throughout the world. Their citizen are controlled in regards to human rights and freedom endeavors.


 Yes, you are lucky 

Is It Time To Cancel The 4th of July?On this day of celebration Americans are about to enjoy, I wanted to remind us how important and lucky we really are. We whine cry and complain about the day-to-day governance of this country. We dislike many of our leaders, however, Americans still we have it better than most of the world. Don’t take your freedoms lightly or for granted. We are a lucky Nation! You may wish to use another word. Just realize we are indeed lucky.

Who should we thank for this luck? There are many who over the years have insured your rights and freedom. Who I like to thank are the ones who do, which most will not. They are the American soldier. It doesn’t matter what the description of their job (MOS). They are all the ones who have allowed us to enjoy the freedoms we are guaranteed in our Constitution every single day.

Thank a solider

Don’t you think they need your thanks and good will? I do. Thank a soldier this 4th of July. They deserve it. To those who serve our country I say, thank you all.

Go out there today and be grateful and enjoy the reason you’re not at work today. ha


What to do next?

Is It Time To Cancel The 4th of July?To find your new home, or sell your life-lone home, all you need to do is an easy 3-Step Process.

     1.) Pick up your cell phone,

     2.) Look up my number (650-346-7366),

     3.) Call me immediately.

When you do call, we will discuss the best way we can meet so you can get the best information you need that will help you locate and purchase your new home as quickly as possible and receive the highest value possible for the amount of money you want to spend. Do it now.  It’ll be the smartest decision you’ll ever make.


Is It Time To Cancel The 4th of July?

#4thofJuly #independence #USA #holiday

4 Mistakes First Time Home Buyers Make!

Posted on: June 22nd, 2019 | By Cliff Keith | Blog, Saturday Buyers Tips - Real Estate Know-How For Home Buyers |

 

4 Mistakes First Time Home Buyers Make!

4 Mistakes First Time Home Buyers Make!
Oh NO!

1. Know your number!

Most first time buyers don’t realize that buying a home is a process not an event like the “Super Bowl”. There are certain steps needing attention prior to even going out and looking at homes. The first step is to get your finances in order and be “pre-approved” by a lender of your choice. You can walk into the branch where you do your banking, however, that may not be your best choice. You see Bank branches do maybe one real estate loan a month while a good loan broker will do 30 loans a month. Who do you think has their skills honed better? So get pre-approved in writing then begin to look for your new home.


2. Get all your inspections

When you walk through a home and you like it and want to buy it your eyes may be glasses over with the whole thrill of owning your own home. This is good as well as being part of the home buying process however, you need to keep focused on making sure you are buying a home, which you are spending the most amount of money you may ever spend, that it is not a “Money Pit”. So get your inspections…all of them.

Property Inspections, Pest Inspections, and any inspections suggested in the two previous inspections like a roof inspection or pool inspection. Read the inspection report and use them as a guideline to help you make an informed decision as to whether to continue with the purchase of this home or not. Follow the advise of people you know and trust if you are unsure of what the reports imply or state.


3. Do your due diligence

The thrill of purchasing a home is a great feeling and one that should be enjoyed. Sometimes a first time buyer forgets there is more to buying a home then that of shelter. You may stay in this home for many years. You may sell it in a few years. In any case you need to do your due diligence. Find out all that your can that may have an adverse affect on your new home. Keep in mind the home buyers you want to sell it to in the future.

Check out the schools; are they what you want for your child? How about future buyers? Are there any environmental issues you need to know about such as was your new home once a gas station? Or a place where toxic substances were stored?

How about any new developments that may be planned that would lower the price of your home. Because in the future other buyer may be able to buy a home for the same price you are asking for yours. In fact, the other home may be newer because of that development,

Finally, check out the competition for your new home. Is there a home of better quality and location that may be lower in price? Or is it listed for sale at the same price as the home you are considering? Don’t be afraid to check with the city building department for future building permits of your future neighbors. Or local business projections like a major job hiring that would bring more people into your neighborhood and make home prices rise.


4. First time home buyers don’t know there are costs involved in purchasing a home.

Some are fixed expenses and some are one time expenses. In either case it is good to know them before you get to the closing table at the escrow company and finding out you will have an expense you were unaware about. Fixed expenses are: Principal, Interest, Taxes, Insurance, Impound Accounts, and Payment Mortgage Insurance.

Your one-time expenses, which can be thousands of dollars, are Title Insurance, ALTA Insurance, Escrow Fees, Notary Fees, Processing Fees, Points on your Loan, Inspection fees, Appraisal fees and for the fun of it…buying fees. No there aren’t buying fees but there may be fees I have not mentioned here that someone may come up with during an escrow period.


The 4 Common Mistakes First Time Buyers Make are avoidable.

It not only first time buyers, but home buyers in general that can make these mistakes. Understand the home buying process has its challenges, but in the final analysis buying a home will be an experience you will cherish for the rest of your life.

4 Mistakes First Time Home Buyers Make!Home ownership will bring with it fond memories of your family. The many holidays spent together. And many parties with friends, neighbors, work associates and your growing family. It will make you smile throughout the rest of your life. Most importantly, if you treat your new home like a home and not an ATM machine you will have a passive investment for your retirement years. Passive income to you means life will be a little bit better and easier for you to enjoy. Peace of mind at 65 is utmost important. It makes you smile!

Remember, Cliff Keith is always here to help you. Increasing your net worth and prepare for the future through real estate is our goal for you. It’s one of the many good aspect of home ownership. Give us a try. You will be glad you did.


Now what to do?

4 Mistakes First Time Home Buyers Make!
Call Cliff (650) 346-7366

To find your new home all you need to do is an easy 3-Step Process.

1.) Pick up your cell phone.

2.) Look up my number (650-346-7366).

3.) Call me immediately.

When you do call, we will discuss the best way we can meet so you can get the best information you need that will help you locate and purchase your new home as quickly as possible and receive the highest value possible at an amount of money you want to spend. Do it now.  It’ll be the smartest decision you’ll ever make.

We may also discuss with you the idea of looking at a duplex for sale in Redwood City as a suitable alternative.


#buyahome #mistakesnottomakeinrealestate #buyyournewhome

The Family Needs A Father: Happy Father’s Day

Posted on: June 10th, 2019 | By Cliff Keith | Holidays | No Comments

 

The Family Needs A Father: Happy Father's Day
I love Dad

The Family Needs A Father: Happy Father’s Day

Father’s Day a brief history on how it became a national holiday in America. Read all the trials and tribulation required for Fathers in order for them to be recognized as the hero they are to us.

After the success of Anna Jarvis with her advocating for Mother’s Day, Sonora Smart Dodd founded Father’s Day in 1910. Sonora Smart Dodd was born in Arkansas but later moved to Spokane, Washington where the first Father’s Day celebration took place on June 19, 1910.

Who was Ms. Sonora Dodd?

The Family Needs A Father: Happy Father's Day

Ms. Sonora Dodd wanted to honor her father, a Civil War veteran, and single father of six children. His name was William Jackson Smart. Sonora Smart Dodd after hearing in church the story about Anna Jarvis and her work for Mothers of America became inspired. After the sermon Ms. Dodd went to her minster and told him of her intentions and requested his help. The minister couldn’t put a sermon together by June 5th, which was Sonora Dodd’s father birthday and instead suggested the third Sunday of the month of June.

Did it stick?

For the next two decades Father’s Day lost its steam and was in limbo until Sonora Dodd return to Spokane from Chicago and started promoting the celebration again. This time she sought help from the Father’s Day Council, founded by the New York Associated Men’s Wear Retailers and they conducted ad campaigns to promote Father’s Day despite the fact the newspapers made fun of them. They ran negative articles and cartoons in their papers making fun of a commercial Father’s Day.

The Father’s Day Council did not give up.  They ran campaigns using the newspaper ads and jokes to promote their holiday. The Father’s Day Council efforts didn’t work for Congress when brought before them in the teens, the 20’s and the 50’s!  Then in 1966 President Lyndon B. Johnson issued the first presidential proclamation honoring fathers. In 1972 Richard Nixon signed into law a permanent national holiday

Papa’s Pearls

In 2012 Diane Flynn Keith wrote a wonderful book about her father. It’s called Papa’s Pearls you can find it at her website here. You may want to read it or give a copy to your Father. Which, is a great story for any family that has a Papa who also shared his wisdom with his family.

Interestingly, in 1980 the Father’s Council wrote that “Father’s Day has become a ‘Second Christmas’ for all the men gift-oriented industries.” Now you know more about your Father. Now everyone go wish a Happy Father’s Day To All The Fathers who are out there.

The Family Needs A Father: Happy Father's Day

How To Tell Your Mother You Love Her And Know Why

Posted on: May 10th, 2019 | By Cliff Keith | Holidays | No Comments

How To Tell Your Mother You Love Her And Know Why

Mother’s Day ~ How It Came About… In the United States, on the second Sunday in May Mother’s Day ~ How It Came About is our annual holiday celebrated by recognizing our mothers,

How To Tell Your Mother You Love Her And Know Why
Happy Mother’s Day

Including motherhood and maternal bonds in general, as well the positive contributions that they make to society.

Woman’s peace groups were the first to start Mother’s Day.  The groups were Mothers who sons had died in the American Civil War from both sides. These groups had their celebration of Mother’s Day during the 1870’ and the 1880’s. Unfortunately, none of these celebrations had any National support they were only observed at the local level.

“Mother’s Friendship Day” was started in 1868 by Ann Jarvis. This day was to unite families and friends divided over the war. Ann Jarvis died in 1905 before the celebration became popular and the gauntlet was carried on by her daughter Anna Jarvis. In New York. On June 2, 1872 there was a Mother’s Day anti-war rally led by Julia Ward Howe. The rally ended with a Mother’s Day Proclamation.

The War Continues

This anti-war rally continued for another 10 years in Boston and then died out. Then on May 13, 1877 in Albion, Michigan there was another Mother’s Day observance and the difference revolved around the temperance movement. “According to local legend, Albion pioneer Juliet Calhoun Blakeley stepped up to complete the sermon of the Rev. Myron Daugherty who was distraught because an anti-temperance group had forced his son and two other temperance works to spend the night in a saloon and become publicly drunk.

From the pulpit Blakeley called on other mothers to join her. Juliet Calhoun Blakeley’s two sons were both traveling salesmen. They were so moved of their Mother they vowed to return each year to pay tribute to her. Both started on a campaign to urge their business contacts to do likewise. At their urging, in the early 1880’s, the Methodist Episcopal Church in Albion set aside the second Sunday in May to recognize the special contributions of mothers.”

The First Public Plea

The first public plea for a national day Americans could celebrate their Mothers made by Frank E. Hering who at the time was the President of the Fraternal Order of Eagles.  The year was 1904. Anna Jarvis in 1905 began campaigning to set up a Mother’s Day first as a national holiday and then the rest of the world. In 1910 West Virginia officially declared Mother’s Day as a legal holiday.

Many State followed West Virginia’s lead and in 1914 on May 8th the U.S. Congress passed a law. It designated that the second Sunday in May was to be known as Mother’s Day.  The following day President Woodrow Wilson issued a proclamation declaring everyone should fly the American flag in honor of these Mothers who sons had died in the war. In 1934 FDR approve a postal stamp commemorating Mother’s Day.

How To Tell Your Mother You Love Her And Know Why
Mommy

Remember your Mother today as she is the only person who all your life has thought you to be the most beautiful and perfect person in the world.  Aren’t Mothers great! Mother’s Day ~ How It Came About Want to reprint this post? You may do so, if you include the following credit line: “Cliff Keith is a California real estate Broker, who has helped home buyers and sellers since 1976!”

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