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Summer Safety Tips

by The Hat Team

Oh, we do love summer and the myriad of family activities it provides! Fun in the sun, the sand, and the water brings squeals of delight, opportunities for new adventures, and a renewed feeling of family togetherness. Unfortunately, summer can also bring sunburn, insect bites, heat -induced illness, water hazards, falls, and poisoning if you are not alert and proactive in taking preventive measures while enjoying life at your Montgomery home or away on a family vacation

child-beachSunburn:

The two most important hints are to limit sun exposure time and wear protective clothing (including sunglasses and a hat), of course, but realistically those two situations are not always viable. So-sunscreen, sunscreen, sunscreen-- applied liberally and often and having an SPF of at least 15. Try to avoid sun exposure during the hours of 10 a.m. and 4 p.m., the peak intensity times. Be aware that certain medications increase sun sensitivity.

Insect Bites And Stings:

Things to avoid include settings at your Montgomery home or vacation spot where bugs congregate (gardens, stagnant water, uncovered food), wearing brightly colored or flowery clothing, scented soaps or sprays, and combination sunscreen/insect repellant products. Use repellants containing DEET with caution; the recommended is 10%-30% for children over the age of two months. Choose the lowest concentration for the required time of coverage. Inspect yourself and others for ticks, removing any found with tweezers and cleaning the area of the bite with an antiseptic. For bee stings, scrape the stinger away with a fingernail or credit card and then wash the area with soap and water.

Heat Illness:

The risk of heat illness increases with the intensity of both the sun and the activity. Preventive measures are plenty of fluids, shade, and air-conditioning! Be alert for thirst, fatigue, and cramping in the legs or abdomen--all signs of heat exhaustion. More serious symptoms include headache, dizziness, nausea/vomiting, fast heartbeat, and a rising body temperature.

Water Safety:

Whether a child is swimming in the fenced-in pool in the yard of your Montgomery home or at a park or hotel, stringent safety precautions must be taken to prevent drowning. Youngsters who don’t know how to swim should use a life vest (“floaties” just don’t cut it), and all children should be supervised at all times by an adult who is well-versed in rescue techniques. The buddy system should be enforced when swimming in any type of open water, and a lifeguard should be on duty. Instruct children never to dive into water unless it is okayed by an adult, and teach them that open water swimming is different from pool swimming because of uneven surfaces, undertow, currents, strong waves, and the like.

Falls:

Fair weather brings out the bike rider and the skateboarder, both of whom should always wear a helmet and appropriate clothing and be lathered in sunscreen.

Poisonings:

Rule one--keep the number of the CDC with you at all times--1-800-222-1222.

Rule two--keep all poisonous substances out of the reach of children. This list includes items used mainly in the summer, things such as insect repellant and charcoal lighter fluid, e.g. 

Okay, so those are definitely worst-case scenarios and most likely won’t affect you or your vacation in any way. Never-the-less, it is best stay alert whiling you’re having fun in the sun! Enjoy!

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery AL Foreclosure Trends - May 2011

by The Hat Team

There were 1,161 Montgomery AL foreclosure homes for sale with 111 new foreclosures in May 2011. The average selling price of a Montgomery AL home was $120,478 and the average foreclosure selling price was $115,922 a $4,556 savings, according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 4.64% in May while the number of foreclosed homes decreased from 171 in April to 111 in May.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.06% lower than national statistics. 0.04% higher than Alabama and the same as Montgomery County statistics for the month of May.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties decreased from 121 homes in April to 52 in May. The number of Auctions increased from 50 to 59. There is a 6-month rising trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Happy Fourth of July Montgomery!

by The Hat Team

“America is best described in one word--freedom” Dwight D. Eisenhower

flagAs Americans, we celebrate Independence Day on July 4th to honor our nation’s birthday and the Declaration of Independence. It is day replete with parades, cookouts, picnics, waving flags, and fireworks--and a heavy dose of patriotism.

DISTINCTIVE DATES:

  • JULY 4, 1776: The Second Continental Congress completed its work on the Declaration of Independence.
  • JULY 8, 1776: Independence Day was first Celebrated in Philadelphia on, and the Liberty Bell was sounded on that day.
  • JULY 4, 1804: The first public celebration was held at the White House
  • JULY 4, 1826: Both Thomas Jefferson and John Adams died on this day.
  • JULY 4, 1941: Independence Day was first celebrated as a federal legal holiday

“There is nothing wrong with America that cannot be cured with what is right with America.” Bill Clinton

PATRIOTIC PLACES:

Ever been to Liberty, MO? How about Libertyville, New Liberty, North Liberty, or East Liberty--all in Iowa? And then there are the eleven places with Independence in their names and five which feature Freedom; Freedom, CA, is the largest of these. Five more towns sport the word America, but only one can lay claim to Patriot, and that is a spot in Indiana with a population of 202.

Did you know that there is a one-gun salute fired at noon on July 4th on every capable military base? It is called the Salute to the Union.

IT’S A GRAND OLD FLAG:

And there are specific rules about displaying it proudly and properly.  Here you can brush up on the do’s and don’t's for honoring Old Glory.

Be sure to take time to honor our military and their families for the sacrifices they make each and every day so we can be free! Something as simple as saying ‘Thank you’ can make a Vets day!

FABULOUS FOOD:

Having a cookout or picnic with friends and family? Think about foods that come in patriotic colors--white snow cone cups filled with red and blue berries, or use the three colors to make napkins which you tie with red, white, and blue patterned shoelaces instead of napkin rings. Be sure to offer hot dogs, hamburgers, cole slaw, potato salad, baked beans, and watermelon for an all-American meal. Maybe even Mom’s apple pie to top it off! Get many delicious recipes and grilling ideas and safety tips.

FIREWORKS FINALE:

Nearly every U.S. city or town offers an exciting fireworks display to end the day’s festivities, and we’re never too old or too young to ‘ooh and ah’ at the spectacle. Some notable shows are held at the Gateway Arch in St. Louis, the Charles River in Boston, Mt. Rushmore, the Rose Bowl, and the National Mall in Washington, D.C. Perhaps the longest celebration is fittingly held in Philadelphia--a 9 day festival culminating in back-to-back fireworks!

George Washington once said, “Liberty, when it begins to take root, is a plant of rapid growth.” Do remember, however, that such a plant needs to cherished, taken care of, nourished, and protected by each and every American.

HAVE A SAFE AND HAPPY FOURTH!!!

Midtown Montgomery Real Estate Sales - May 2011

by The Hat Team

Despite the ups and downs of the housing market, home owners and non-owners alike consider owning a home essential to the American Dream according to a survey conducted on behalf of the National Association of Home Builders (NAHB) by Public Opinion Strategies of Alexandria, VA, and Lake Research Partners of Washington, D.C.

The survey results show that Americans see beyond the immediate housing market to the enduring value of homeownership. An overwhelming 75 percent of the people who were polled said that owning a home is worth the risk of the fluctuations in the market, and 95 percent of the home owners said they are happy with their decision to own a home.

One of the more striking aspects of the survey results is the intensity of sentiment among potential voters, according to Celinda Lake, president of Lake Research Partners. “People believe overwhelmingly that owning a home is an anchor to the American Dream,” she says. “It’s an anchor to your retirement, and it’s an anchor to your personal economic well-being.”

Among the other survey results:

73 percent said owning a home is one of their goals
• Homeownership and a retirement savings program are considered by voters to be their best investments.
• 80 percent of home owners would advise a close friend or family member just starting out to buy a home.
• Saving for a down payment and closing costs is the biggest barrier to homeownership.
• Americans believe that owning their own home is as important as being successful at their job or being able to pay for a family member’s education.

Owning a home is not just a commodity to people. It is a core value.

Now take a look at how the Midtown Montgomery real estate market performed in May.

Midtown Montgomery real estate sales statistics for May show the average sales price decreased by 10% to $150,975 when compared to May 2010.  The number of homes sold decreased by 51% in May.  The median sales prices decreased by 6%, while market times increased 15% or 18 days.  The highest selling home price decreased by 36%, and the lowest selling home price increased by 59%.

Midtown Montgomery May 2011 May 2010
Homes Sold 22 45
Average Selling Price $ 150,975 $ 166,925
Median Selling Price $ 111,450 $ 118,900
Days On The Market 121 103
Highest Selling Price $ 480,000 $ 750,000
Lowest Selling Price $ 12,500 $ 5,100

For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

Montgomery AL Foreclosure Trends - April 2011

by The Hat Team

There were 1,311 Montgomery AL foreclosure homes for sale with 171 new foreclosures in April 2011. The average selling price of a Montgomery AL home was $163,408 and the average foreclosure selling price was $93,093 a $70,315 savings, according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 4.84% in April while the number of foreclosed homes decreased from 228 in March to 171 in April.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.01% higher than national statistics. 0.10% higher than Alabama and 0.01% higher then Montgomery County statistics for the month of April.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties decreased from 151 homes in March to 121 in April. The number of Auctions decreased from 84 to 50. There is a 6-month rising trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Home sales are expected to stay on an uptrend through 2012, although the performance will be uneven with mortgage constraints weighing on the market, according to real estate experts.

Lawrence Yun, National Association of Realtors chief economist, said existing-home sales have been underperforming by historical standards and will rise gradually but unevenly. “If we just hold at the first-quarter sales pace of 5.1 million, sales this year would rise 4 percent, but the remainder of the year looks better,” Yun said. “We expect 5.3 million existing-home sales this year, up from 4.9 million in 2010, with additional gains in 2012 to about 5.6 million – that’s a sustainable level given the size of our population.”

Now take a look at how the Midtown Montgomery real estate market performed in April.

Midtown Montgomery real estate sales statistics for April show the average sales price decreased by 10% to $129,495 when compared to April 2010.  The number of homes sold decreased by 33% in April.  The median sales prices decreased by 20%, while market times decreased 20% or 27 days.  The highest selling home price decreased by 5%, and the lowest selling home price increased by 29%.

Midtown Montgomery April 2011 April 2010
Homes Sold 29 43
Average Selling Price $ 129,495 $ 144,517
Median Selling Price $ 100,000 $ 125,000
Days On The Market 105 132
Highest Selling Price $ 649,000 $ 683,000
Lowest Selling Price $ 8,500 $ 6,000

For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

Montgomery AL Foreclosure Trends - March 2011

by The Hat Team

There were 1,420 Montgomery AL foreclosure homes for sale with 243 new foreclosures in March 2011. The average selling price of a Montgomery AL home was $136,478 and the average foreclosure selling price was $101,691 a $34,788 savings, according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 4.84% in March while the number of foreclosed homes increased from 150 in February to 228 in March.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery foreclosure activity was 0.05% higher than national statistics. 0.12% higher than
Alabama statistics for the month of March.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties increased from 43 homes in February to 151 in March. The number of Auctions decreased from 112 to 92. There is a 6-month rising trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Montgomery AL Real Estate: Understanding Shadow Inventory

by The Hat Team

Shadow inventory is the number of foreclosed properties currently owned by banks (or will be owned in the future) that are sitting empty and are not currently for sale. 

Many analysts use the “tip of the iceberg” analogy to describe the 'shadow inventory' situation, feeling that a massive number of distressed properties and underwater loans sits just below the surface. Some believe that the number of potential homes for sale greatly exceeds the number currently on the market. No significant appreciation of Alabama real estate and home prices will take place until the shadow inventory that exists works its way through the real estate market.

The map below shows the number of months it would take to clear the shadow inventory by state. The months’ supply is estimated by dividing the shadow inventory and the monthly number of distressed sales. As you can see, Alabama has 8 months of shadow inventory to contend with.

 

Now take a look at how the Midtown Montgomery real estate market performed in March.

Midtown Montgomery real estate sales statistics for March show the average sales price decreased by 2% to $135,457 when compared to March 2010.  The number of homes sold decreased by 47% in March.  The median sales prices decreased by 8%, while market times decreased 34% or 65 days.  The highest selling home price decreased by 26%, and the lowest selling home price decreased by 50%.

Midtown Montgomery March 2011 March 2010
Homes Sold 20 38
Average Selling Price $ 135,457 $ 138,275
Median Selling Price $ 120,500 $ 130,500
Days On The Market 129 194
Highest Selling Price $ 350,000 $ 470,000
Lowest Selling Price $ 4,500 $ 9,000

For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

Montgomery Real Estate For Sale: 2216 Country Club Dr

by The Hat Team

Montgomery Real Estate For Sale:

2216 Country Club Drive, Montgomery AL 36106

MLS# 282804

This charming 1940's cottage backs up to the Montgomery Country Club Golf course. With views from most rooms in the house, you will never get tired of your big, pretty "back yard". And, with a large heated and cooled building out back, uses are endless (workshop, studio, crafts, or just great storage.) The back yard is perfect for entertaining or just relaxing and enjoying the views. Don't pass up this rare opportunity to live on highly desired Country Club Drive!

Learn more about 2216 Country Club Drive and other Montgomery Real Estate by visiting HatTeam.com.

Search all Montgomery Real Estate and homes for sale.

How To Choose An Agent for Your Montgomery AL Real Estate

by The Hat Team

One of the most complex and significant events in people’s lives is the purchase or sale of their real estate--and most people turn to an agent to assist them in these transactions. Before you select a professional real estate agentmontgomery al real estate, however, you should determine if he/she is qualified to handle your Montgomery AL real estate business, what he actually does, and how he is paid.

REQUIREMENTS: All real estate brokers and sales agents must be licensed by their state. Although the rules and regulations of individual states vary, most require educational courses, a written examination, and license renewal every 1 or 2 years. Usually between 30 and 90 hours of formal coursework are required in topics such as real estate principles, contracts, and ethics to ensure that the agent has a thorough knowledge of the fundamentals and legal aspects of the field. Many states also have a continuing education requirement. In addition, many agents are members of the National Association of Realtors, an organization designed to provide an exchange of ideas to improve the industry as needed in order to protect the consumer and provide quality service.

SERVICES PROVIDED: A good agent wears many hats and is knowledgeable about many aspects of real estate. An agent handling your Montgomery AL real estate business should:

  • be familiar with your target area
  • represent a buyer or seller in the purchase or sale of real estate
  • search for suitable buyers and/or properties
  • assist in procuring financing for your Montgomery AL real estate
  • examine comparable sales to determine fair market value
  • ensure that all terms of the contract are met

QUALITIES TO LOOK FOR: You will want someone who:

  • is organized
  • is knowledgeable about the business
  • is confident in his abilities
  • is skilled in negotiations, contracts, and financing
  • acts in your best interest
  • is ethical and trustworthy
  • maintains confidentiality
  • is open in disclosing pertinent facts

HOW THE AGENT IS PAID: Since all agents work with a broker, they are paid a portion of the sales commission (commonly paid by the seller). Percentage divisions of the commission vary, but often office costs, such as advertising, are deducted from the agreed upon amount. Neither the buyer nor the seller pays the agent directly.

It is important that you choose a real estate agent wisely and that you establish and maintain a good working relationship with him/her. Carefully check credentials, ask about services provided, and determine his familiarity and success in the area before signing any agreement.

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