Philadelphia Real Estate : Home Buying Process | Philadelphia ...

March 6th, 2012 Frank L. DeFazio

I am often asked by clients for a brief overview of the process of buying Philadelphia Real Estate so I figured it would be helpful to write a post outlining the steps of the Philadelphia Real Estate home buying process from beginning to end.

Step 1: Find A Philadelphia Real Estate Agent ? I firmly believe that smart, successful people surround themselves with smart, experienced experts that can help guide them to a well thought out decision. If you don?t buy and sell Philadelphia Real Estate every day all day for a living, how could you possibly understand the Philadelphia Real Estate home buying process and all of the nuances and intricacies of the available inventory, purchase contract, title insurance and mortgage process? How could you possibly know what a good deal or a great deal looks like? You can?t! Get referrals from friends, use Google to search, go to open houses and keep looking until you find someone you feel has the experience, resume and personality to represent you and your interests.? It costs the home buyer NOTHING and can save you a great deal of stress in the long run.

Step 2: Get Preapproved ? Getting a preapproval or prequalification should always be the very first step when preparing to purchase Philadelphia Real Estate, but not surprisingly most home buyers begin searching for homes before they really know what they can afford to spend.? I made getting preapproved step 2 of the Philadelphia real estate home buying process only because many times the best lender recommendations will come from your Philadelphia real estate agent.? The housing market crash has created an ever changing lending environment that is difficult for even full time real estate professionals to keep up with.? Lending requirements change, PMI and MIP charges increase, loan limits increase and decrease, condos become unwarrantable and interest rates fluctuate every day.? The only accurate way to have a realistic idea of your borrowing power is by getting preapproved by a reputable lender.? Remember too that just because you can afford to spend a certain amount does not mean you have to spend that amount.? Determine a monthly payment you are comfortable with and only look at homes with prices that fall into that monthly payment range.

Step 3: Create A Hierarchy Of Needs and Wants ? Most buyers of Philadelphia real estate are not sure what they ultimately want other than they know they want a great deal.? Buyers should consider all of their needs and wants before looking at any homes.? Items up for consideration are: price, monthly payment, beds/baths, square footage, outdoor space, school district, parking, location, walkability, floorplan and neighborhood. ??Be realistic about what you can afford and then determine what features are essential, and which would be nice but are not deal breakers. ?Be prepared to decide if you would rather have your dream home in your second or third favorite neighborhood or a nice home in your favorite neighborhood.

Step 4: Search For Philadelphia Real Estate ? If you?re working with a Philadelphia Real Estate Agent he or she should be searching the Philadelphia MLS for new listings on a daily basis.? You shouldn?t have to send properties to your agent; your agent should be emailing you properties.? If you have a proactive, hands on personality and you want to be involved in the search process there are numerous local and national real estate websites that offer free access to the entire Philadelphia MLS. I recommend www.CenterCityTeam.com.? Pay careful attention to all of the home?s details, not just the price.? Variables like real estate taxes, condo fees, HOA fees, building maintenance fees (co-ops) and amenities like a pool, gym, and parking can affect affordability considerations and must be carefully compared between properties.

Step 5: Submitting An Offer ? Submitting an offer can seem intimidating, especially to first time home buyers, but if done correctly there is little risk involved.? The standard Pennsylvania agreement of sale includes contingencies that allow the buyer to terminate a signed purchase contract without penalty under certain circumstances.? The usual contingencies are for a mortgage, inspections, and an appraisal but there many others that can be included to protect the buyer if needed.? If you need to sell a home before making a purchase let your agent know that you will need a home sale contingency.? Be open and honest with your real estate agent so he or she can make sure you are 100% protected by the purchase agreement.? Research relevant comparable home sales and try to determine a fair price range to pay for the home.? Find out what the average asking price to sale price ratio in the home?s neighborhood has been for the past 3-6 months and make sure your initial offer makes sense.? Finally, try to make your offer as appealing to the Seller as possible without compromising any of your interests or goals.

Step 6: Accepted Offer ? Time to celebrate right?? Wrong!? Getting your offer accepted is the beginning of the due diligence process, not the end.? The contingency periods allow you to inspect the home, shop around for mortgages and perform all of your due diligence on the home.? Make sure that the home and all of its systems are in the condition they appear to be.? Talk to two or three reputable lenders and make sure you can obtain a loan with an interest rate and fees that you can afford.? Contact an insurance company and get quotes for home owner?s insurance and a title insurance company to order title insurance.? The lender you select will hire an appraiser to perform an appraisal of the property. Your Philadelphia real estate agent is responsible for overseeing the transaction, coordinating with the lender, the title insurance company, the homeowner?s insurance company and providing any recommendations you need along the way.

Step 7: Settlement ? If your Philadelphia Real Estate Agent has done his job well settlement will be a fun and relaxed atmosphere.? Prior to settlement you should perform a pre-settlement walk through to make sure the home is in the same condition as when you signed the purchase contract.? Make sure all agreed upon repairs were completed and that there is no new damage to the property.? Prior to settlement you should also contact the utility companies that provide electric, gas, and cable/internet.? In Philadelphia this means you will contact PECO, PGW and Comcast.? The title company will handle the transfer of water and sewer.? All you will need to bring to settlement is a check for the amount needed at closing and your state issued identification. Once all the paperwork is signed you can relax and celebrate.? Now you are officially a home owner!

About The Author: Understanding the process of buying Philadelphia Real Estate can seem daunting but is really pretty simple if you read and follow this advice.? Philadelphia Real Estate expert Frank L. DeFazio has extensive background in all types of Center City Real Estate transactions: residential, commercial, leasing, sales, property management, investing, and real estate developing. ??Frank L. DeFazio is the founder of the Center City Team in Philadelphia and works for Prudential Fox & Roach, Realtors in Center City, Philadelphia.

Related Philadelphia Real Estate Blog Posts:

1. Three Major Philadelphia Real Estate Home Buying Mistakes
2. Buying Your First Philadelphia Real Estate Home
3. Philadelphia Real Estate Home Buyer and Seller Report
4. Philadelphia Real Estate Home Staging Tips
5. Philadelphia Home Buying Mistakes To Avoid
6. What Philadelphia Real Estate Home Sellers Need to Know
7. Selling Philadelphia Real Estate
8. Philadelphia Real Estate Home Prices Stabilize
9. Buying Philadelphia Real Estate Foreclosures, REOs and Short Sales
10. Philadelphia Real Estate Home Prices on the Rise

This entry was posted on Tuesday, March 6th, 2012 at 1:43 pm and is filed under Philadelphia Real Estate News. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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Source: http://www.centercityteam.com/2012/03/06/philadelphia-real-estate-home-buying-process/

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Use Effective Time Management: When you own and run your own business, lots of things demand your attention and building your contact list and business network are just a couple of them. However, since it?s critical that you give your best to network effectively, you should manage your time and see to it that you?re dedicating a good amount of time to grow your business network. Effective time management will help you in many ways as you build your business network so keep it at the forefront of your mind.

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Source: http://haight68ashbury.com/?p=538

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Exmobaby Suit Will Tell You What Your Kid Is Thinking [Babies]

Who in their right mind would want to interact with babies? They're dumb, they leak, they smell (on account of the leakage), and for all that noise, babies can't even give you a hint as to what set them off. But the new Exmobaby sensor suit just might. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/nlJyCBpPeZ0/exmobaby-suit-will-tell-you-what-your-kid-is-thinking

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Autocratic Leadership Style | Self Improvement Blogs from ...

Since 1000?s of years, mankind has been ruled by tyrannical autocrats who had all the ability in their hands. Earlier, most kings and rulers believed in holding absolute energy with them, wherein the individuals had to accept their determination without questioning. Though this type of leadership style shouldn?t be a desired one, there are a lot of leaders who prefer autocratic leadership model even in this modern world.

What is Autocratic Management?
Autocratic leadership will be said to be synonymous to dictatorship the place just one particular person has the authority over the followers or workers. Their determination must be taken because the golden rule and will never be questioned. They plan out every little thing and order their subordinates to work according to their rules. For instance, if an organization has an autocratic leader because the Managing Director, the workers in the firm must work as per the principles set down by him. They might not be expected to make any contribution from their aspect, which can truly assist in enhancing the productivity of the company. Briefly, the autocratic leader has full control of those round him and believes to have the complete authority to treat them as he wants.

Advantages of Autocratic Leadership Fashion
Though autocratic leadership fashion is tyrannical, it has proved to be very environment friendly during sure conditions and conditions. Autocratic management works positively during emergency and stressful situations. When such situations come up in an organization or organization, most people are confused and aren?t able to reach a standard solution. During such instances, having an autocratic leader could be nice as he would take the reins in his hand and would direct the workers or staff to maneuver forward. As an example, there?s a terrorist attack at some place and the troopers need to rescue innocent individuals from there. If many people attempt to give options, it may take time and the mission may?justice coupons finish in failure. In such situations, having one autocratic particular person to command the remainder of the group on learn how to go about with the mission can result in success.

Another scenario the place the autocratic management type proves acceptable is whereas doing group projects. Many group tasks are inclined to fail because group members rely upon each other to make decisions. Such situations demand the need of an authoritative leader who could make decisions for the group. The chief should decide the methods in which the mission would be done, divide the job among the members, and in addition set a deadline for completion of the project.

Disadvantages of Autocratic Management Style
Autocratic leadership may have its benefits, nonetheless, usually it?s seen as one thing that?s undesirable. Autocratic leadership type promotes a one sided dialog and because of this the artistic and leadership abilities of the staff change into restrictive. Because the chief would have all of the authority, there is a likelihood that he would exploit his employees. There have been instances the place an authoritative employer has fired staff as a result of they confirmed the courage of disagreeing with him. It is also stated that having an autocratic leader hinders office communication and socialization. It is vitally important to have a cordial work atmosphere, the place everyone seems to be friendly. It could additionally give rise to disagreements and conflicts, if a bunch or firm is led by an autocratic leader.

Famous Autocratic Leaders
As autocratic management has existed since many centuries, the world has seen various autocratic leaders who have brought on concern in individuals?s mind because of their dangerous actions. A few of them are:

??? * Adolf Hitler
??? * Joseph Stalin
??? * Saddam Hussein
??? * Martha Stewart
??? * Howell Raines

Although there have been instances where adopting an autocratic management style has led to the success of the company, it is rather rare for such leaders to stay widespread among the many staff and workers. In a nut shell, it can be mentioned that autocratic management may be accepted when the necessity arises, while a great leader would be a person who respects the opinions of his staff whereas making a decision.

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Source: http://awesomesuccess.org/self-improvement-blogs/self-improvement/leadership/autocratic-leadership-style/

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Home Improvement Books

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Study shows brain flexibility, gives hope for natural-feeling neuroprosthetics

ScienceDaily (Mar. 4, 2012) ? Opening the door to the development of thought-controlled prosthetic devices to help people with spinal cord injuries, amputations and other impairments, neuroscientists at the University of California, Berkeley, and the Champalimaud Center for the Unknown in Portugal have demonstrated that the brain is more flexible and trainable than previously thought.

Their new study, published March 4 in the advanced online publication of the journal Nature, shows that through a process called plasticity, parts of the brain can be trained to do something they normally do not do. The same brain circuits employed in the learning of motor skills, such as riding a bike or driving a car, can be used to master purely mental tasks, even arbitrary ones.

Over the past decade, tapping into brain waves to control disembodied objects has moved out of the realm of parlor tricks and parapsychology and into the emerging field of neuroprosthetics. This new study advances work by researchers who have been studying the brain circuits used in natural movement in order to mimic them for the development of prosthetic devices.

"What we hope is that our new insights into the brain's wiring will lead to a wider range of better prostheses that feel as close to natural as possible," said Jose Carmena, UC Berkeley associate professor of electrical engineering, cognitive science and neuroscience. "They suggest that learning to control a BMI (brain-machine interface), which is inherently unnatural, may feel completely normal to a person, because this learning is using the brain's existing built-in circuits for natural motor control."

Carmena and co-lead author Aaron Koralek, a UC Berkeley graduate student in Carmena's lab, collaborated on this study with Rui Costa, co-principal investigator of the study and principal investigator at the Champalimaud Neuroscience Program, and co-lead author Xin Jin, a post-doctoral fellow in Costa's lab.

Previous studies have failed to rule out the role of physical movement when learning to use a prosthetic device.

"This is key for people who can't move," said Carmena, who is also co-director of the UC Berkeley-UCSF Center for Neural Engineering and Prostheses. "Most brain-machine interface studies have been done in healthy, able-bodied animals. What our study shows is that neuroprosthetic control is possible, even if physical movement is not involved."

To clarify these issues, the scientists set up a clever experiment in which rats could only complete an abstract task if overt physical movement was not involved. The researchers decoupled the role of the targeted motor neurons needed for whisker twitching with the action necessary to get a food reward.

The rats were fitted with a brain-machine interface that converted brain waves into auditory tones. To get the food reward -- either sugar-water or pellets -- the rats had to modulate their thought patterns within a specific brain circuit in order to raise or lower the pitch of the signal.

Auditory feedback was given to the rats so that they learned to associate specific thought patterns with a specific pitch. Over a period of just two weeks, the rats quickly learned that to get food pellets, they would have to create a high-pitched tone, and to get sugar water, they needed to create a low-pitched tone.

If the group of neurons in the task were used for their typical function -- whisker twitching -- there would be no pitch change to the auditory tone, and no food reward.

"This is something that is not natural for the rats," said Costa. "This tells us that it's possible to craft a prosthesis in ways that do not have to mimic the anatomy of the natural motor system in order to work."

The study was also set up in a way that demonstrated intentional, as opposed to habitual, behavior. The rats were able to vary the amount of pellets or sugar water received based upon their own level of hunger or thirst.

"The rats were aware; they knew that controlling the pitch of the tone was what gave them the reward, so they controlled how much sugar water or how many pellets to take, when to do it, and how to do it in absence of any physical movement," said Costa.

Researchers hope these findings will lead to a new generation of prosthetic devices that feel natural.

"We don't want people to have to think too hard to move a robotic arm with their brain," said Carmena.

Co-author John Long, former UC Berkeley graduate student at the Helen Wills Neuroscience Institute and member of the Carmena lab, also collaborated in this study.

The National Science Foundation, Multiscale Systems Research Center, Defense Advanced Research Projects Agency, National Institute on Alcohol Abuse and Alcoholism, Marie Curie International, and the European Research Council helped support this research.

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The above story is reprinted from materials provided by University of California - Berkeley. The original article was written by Sarah Yang.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Aaron C. Koralek, Xin Jin, John D. Long II, Rui M. Costa & Jose M. Carmena. Corticostriatal plasticity is necessary for learning intentional neuroprosthetic skills. Nature, 2012 DOI: 10.1038/nature10845

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/03/120304141848.htm

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Highlights: Leaders' comments from European Union summit (Reuters)

[unable to retrieve full-text content]Reuters - European Union leaders met for a second day of talks in Brussels on Friday, where 25 of the bloc's 27 countries signed a "fiscal compact" enshrining common debt rules among the 17 members of the euro zone.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/nm/20120302/bs_nm/us_eu_summit

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3 books by Hitchens to be reissued in April

NEW YORK (AP) ? Three of Christopher Hitchens' most contentious books are coming back into print, and debuting in digital form.

Twelve, an imprint of the Hachette Book Group, announced Thursday that books on three of Hitchens' favorite enemies ? Bill Clinton, Henry Kissinger and Mother Theresa ? will be reissued on paper and as e-books on April 10. Hitchens, the author and polemicist who died in December after an 18-month battle with cancer, would have turned 63 on April 13.

The Hitchens books are "The Missionary Position: Mother Theresa in Theory and Practice," ''No One Left to Lie to: The Triangulations of William Jefferson Clinton," and "The Trial of Henry Kissinger."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-03-01-Books-Hitchens/id-190ac5eafbd04cd2b3a9e3231b8dd593

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CogniFit's blog: Memory Training Exercise Goes Leaps And Bounds ...

Memory is bound to fade with time, right? Wrong! you can actually use a brain training program to help enhance your mind and brain power. And a new study has revealed that memory training is more than possible. The study shows that people can be trained to be more intelligent while increasing the brainpower that was there at birth.

For years on end it has been believed that the mental ability that allows us to solve new problems without any previous experience was innate. This fluid intelligence has been thought to be permanent with the belief that it could not be taught.

However, all of this has been put to sleep as researchers have stumbled upon another method that can improve this skill with simple memory training. And with experiments readily available to prove that it does in fact work, it is another startling finding that has many overly excited.

The key to it all is carefully structured training within the working memory. This type of memory is often related to fluid intelligence and appears to rely on similar brain circuitry. The thought behind the study was that improving this memory could lead to improvements in fluid intelligence as well.

As they began to experiment, they measured fluid intelligence of four groups of volunteers using standard tests. Each was then trained in a complicated memory task, a child?s card game, a variation on concentration and a visual stimuli they had to recall later.

The researchers set up the memory training experiment in a way that the tasks became harder until they failed, to which the tasks then became easier. Four separate groups underwent 30 minutes of training daily for 8, 12, 17 and 19 days. There were control groups as well that took the tests without the training.

As the results were found, it had researchers jumping for joy. The control groups did make gains over time, but improvements in the trained groups was far greater because of the practice with the fluid intelligence tests. And the longer the groups trained the higher their scores turned out to be.

Many believe the memory training worked because of a number of aspects that were relevant to solving new problems such as ignoring irrelevant items, monitoring ongoing performance and managing two tasks at the same time.

At this time there is no certainty as to how long the gains will last once the training has stopped. But the initial findings are clearly showing that memory training works as long as you are doing it!

Source: http://blog.cognifit.com/2012/02/memory-training-exercise-goes-leaps-and.html

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Tell Me About Non Profit Debt Consolidation Companies ...

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Source: http://congresointap.com/tell-me-about-non-profit-debt-consolidation-companies.html

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