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Saturday, December 23, 2006

How To Find A House

How do you find a house? Let's assume that you have already chosen the town in which you will be buying a home. Should you go online and start looking? Should you call a real estate agent first? Look in the papers?

You will probably do all of the above at some point in the process. How you take these steps matters, though, especially if you have limited time to search for your new home. Try the following routine to find a house.

1. Take a look at real estate guides, newspapers, and online real estate listings for the area you are interested in. Don't spend too much time on this first step. This is just to start the educational process, to let you know what is available and what neighborhoods you may like to live in.

2. Sit down and decide what is truly important to you in a house. Start with minimum requirements you need to be happy in the home. You can upgrade expectations later in the process if your budget allows for it, and your real estate agent will be pushing you to buy more home in any case. Write down what you are looking for, the price limit, and make a copy for the real estate agent.

3. Contact a good real estate agent. If you are unsure who to choose, ask a lot of questions. You can also look in the real estate advertisements for the real estate agent who is selling the most homes of the type you want and in the area you want. They are likely to be the most knowledgeable and helpful.

4. Have the real estate agent set up six or seven showings of homes that meet your criteria on a day when you have time. The specific homes should be based on your criteria. Also tell the agent if you find a house in the newspaper or online that you want to see.

5. When you arrive in town for the showings, first drive by all the homes you will be shown (if this is practical). Often you can eliminate several of them without wasting time going inside. Let the agent know you won't need to see those houses. If you live in the town you are buying a house in, do this step before the agent sets up the listings.

6. Repeat these steps if you need to. It often takes walking through a dozen homes or more to find the house you want.

Remember that unless your agent is specifically a buyer's agent, he works for the seller. Anything you say may be used against you. This doesn't mean he can't help you. He can try his best to find exactly the home you need.

However, once you choose a home to make an offer on, his job as a seller's agent is to try to get you to pay as much as possible, and to pass on any information he obtains from you to the seller. Good negotiating skills on your part come into play at this point. Of course, that is another topic, and first you need to find a house.

7 Questions to Qualify an Apt Home Inspector

A prudent home inspector can be the difference between buyer satisfaction and buyer's remorse. Home inspectors are hired for one of three purposes:

* Determine the state of a home before putting it on the market
* Assess the value of a home for mortgage approval
* Inspect a newly constructed home, prior to the expiration of the 1-year warranty

What are home inspections? Home inspections are a visual assessment of the systems and structures that comprise a home:

* Air conditioning
* Attic
* Basement
* Ceilings
* Doors
* Electrical systems
* Floors
* Foundations
* Heating and ventilation
* Plumbing
* Roof
* Surface insulation
* Walls
* Windows

Obtaining the truth necessitates a qualified inspector. A viable home inspector will identify, project and detail what predicament(s) may evolve from fixing or ignoring a house malady. Even better are the ones who offer direction. Use the following consumer tips provided by TheConsumerJournal.com questions to qualify the expertise of a prospective home inspector.

Home Inspection Question Checklist

1) How many years have you been licensed to inspect homes?

Novice home inspectors do not have the expertise of more seasoned inspectors. To verify a home inspectors license, visit your state’s local chapter of Department of Financial and Professional Regulations

2) Annually and on average, how many inspections do you conduct?

Generally, full-time inspectors average 300 home inspectors a year.

3) Do you have a proof of business liability insurance?

The vast majority of inspectors’ contracts are limited to the liability of the home inspection. Despite the fact that some inspectors have insurance for damage incurred during the inspection, other inspectors are carrying an “errors and omission” policy for losses resulted from the home inspection. (Nevertheless, home inspections should not be misconstrued with an insurance policy or warranty against any pricey defects unfurled after a sell or buy).

4) Are you associated with any home inspection associations?

The American Society of Home Inspectors and the National Association of Home Inspectors have discerning standards in licensing.

5) How much time is needed to conduct the home inspection?

A standard home inspection takes approximately two and half to three and half hours.

6) What is your fee assessment?

Home inspections range in price, from $350 to $475.

7) May I see a sample copy of your home inspection form?

A comprehensive form is a telltale sign of how thorough the home inspection will be.

Friday, December 22, 2006

Learn the California Luxury Home Market

Trying to sell homes in the luxury market? Selling homes in the California luxury market is unlike any other real estate market. It caters to some of the most wealthy; those with high pay scales who want top-end amenities, and plenty of them!

People investing in luxury homes are, predominantly, not affected by the rising interest rates---something other home buyers will be considering. As a matter of fact, the luxury home market is doing very well and there has only been a slight lowering of sales on the lower end luxury market.

People buying luxury homes are looking for something a cut above, and they want the amenities in the home to reflect the leisurely lifestyle they are living. These buyers have specific requirements in the homes they buy, such as elaborate security systems, gourmet or designer kitchens, home theaters which seat six or more and even wine cellars. They also are willing to do extensive remodels on their current homes and property to raise the value. They want furniture and décor to match their lavish lifestyles and in addition they own expensive cars and jewelry.

The families moving into high-end luxury homes are looking for comforts that reflect a lifestyle of wealth and leisure. They are looking for exclusivity and want homes with private country club access, golf course or tennis clubs. Since buyers in this market are traditionally families with incomes upwards of $500,000 per year, they are more likely to pay attention to lifestyles which afford them personal attention and provide recreational priorities.

Many have traveled internationally and a large percentage of those will have traveled first class or by private jet. They desire shopping in boutiques which accommodate the homeowner who has everything.

Those buying in the luxury home market are also likely to be looking for or may already own a second home. Second or vacation homes are a priority for this market. They desire homes in Aspen or Taos and want to reside in a community spells culture and refinement.

Million dollar home owners are often younger baby boomers who work for large companies and earn around $500,000 per year or more. They care about health and recreation and many treat themselves to spa visits regularly.

Rising interest rates and top dollar prices are not deterrents for luxury home buyers. They want the best and are willing to pay for luxurious amentities for the unique home they desire.

Thursday, December 21, 2006

Real Estate and Homeowner News and Knowledge

Count on it – energy "vampires" cost you money

With energy prices soaring in recent months, so called "energy vampires" are drawing new attention. Vampires can be found in almost every household appliance including televisions, telephones, fax machines, washers, and dryers.

These power devices keep electronics and appliances on "standby" for immediate use and maintain memory functions in devices like video recorders and alarm clocks. Vampires draw energy even when the device is not in use.

Some vampires, such as cell phone chargers, draw energy whenever they are plugged in, even when they are not connected to a phone. According to the United States Government, the largest single user of energy in America, approximately 26 power plants around the nation are needed just to power these energy vampires. In addition to taking steps to conserve energy, the US Government is urging all Americans as individuals to help conserve by shopping for the most energy efficient appliances in the marketplace.

Vampires typically consume anywhere from four to seven watts per hour. "Vampire Slayers" are more efficient devices that use less than one watt per hour. If more devices used vampire slayers, we could save billions of kilowatt-hours per year. If the nation as a whole moved to one-watt standby power devices, it's estimated we would need 20 fewer power plants and American households could save between $1 billion and $2 billion on energy bills.

Good reasons to tap that home equity

One benefit of rising real estate prices is that, if you’ve been in your home for a while, you’ve probably accumulated a good deal of equity. Equity is that portion of your home that you truly own, beyond any amounts owed in mortgages, liens or other claims on the property. But should you tap that equity? It depends on individual circumstances, but here are some guidelines to tell when a home equity loan equals a good investment:

Are you borrowing money to save money? For example, a good reason to refinance may be to replace adjustable rate mortgages with fixed rate loans to guard against rising rates – especially now while rates are fairly low by historical standards.

Borrowing for remodeling or improvements that increase your home’s current value could make that debt you’re taking on a good investment. Kitchen and bathroom improvements are consistently high-return improvements at resale time.

Debt consolidation is sometimes a sound reason to borrow. It may be a good idea to consolidate your debt to lower interest rates on credit card debt or auto loans, especially if the interest is tax-deductible.

One of the main factors lenders consider is your loan-to-value ratio, the ratio between what you owe on your house and what its worth. Typically, lenders are cautious of loans that exceed 80 percent of a home’s value. Also, lower loan-to-value ratios typically mean you can expect lower interest rates.

How HEPA Filters Like The Dirt Devil F1 Filters Work

The Dirt Devil F1 filters and those like them are what are called HEPA filters. You probably hear the word HEPA all the time when speaking about all types of filters, but do you know what it means or what they are talking about? By understanding what a HEPA filter is, you will be better able to make a sound decision about whether or not you want or need one in your vacuum cleaner.

HEPA Defined

HEPA is actually an acronym that stands for high-efficiency particulate air. They are high level filters that are designed to remove over 99% of particles that are 0.3 microns or bigger. The filter itself is made of a fiberglass like material that does not allow the particles of more than .3 microns through.

How Big Did You Say?

HEPA filters, as stated above, will keep out particles that are 0.3 microns are larger, but what does that mean? A micron is a measurement that is equal to 1/1000 of a millimeter. That means that HEPA filters like the Dirt Devil F1 filters are able to catch dust, pet dander, human hair, and virtually any other allergen in the air that is pushed through them.

How HEPA Works With Vacuum

So you know that HEPA filters get small particles out of the air, but what does that have to do with your vacuum cleaner. After all, the Dirt Devil F1 filters are made for vacuum cleaners. You see, your vacuum is pulling air up from your carpet into the machine. A normal filter will take out the larger particles, like dust, and fire everything else back out. However, a HEPA filter is the best filter available to the public and thus will take even more from the “dirty” air your vacuum pulls in. So your F1 or other vacuum HEPA filter will allow more debris to be removed from the air before your vacuum spits back into the room.

HEPA filters are something that is so heavily advertised on vacuum boxes, commercials, and even on websites. However, without knowing what they really are, you cannot know if it is worth the extra money a company may charge. With the above information, you are now equipped with the knowledge that you truly need when it comes time to decide if you need a HEPA filter equipped vacuum cleaner for your home.

Wednesday, December 20, 2006

The Bubble Has Yet to Burst on Existing Homes for Sale

For months now, the doomsayers have been forecasting a burst in the real estate bubble. The burst has yet to happen. According to data released during the first week of October, the median existing homes for sale price fell in August by 1.7 percent, a first in over ten years of year-to-year pricing. The number of homes for sale has jumped to 3.9 million, which is the highest inventory level since 1993.

The bubble for homes for sale still exists; however, because jobs, income and interest rates are still in great shape. This means that forecasts are still excellent for this year, which is expected to be the third best year in history for home sales.

That does not mean that sales figures are as good as last year at this time, when the bubble made homes for sale pricing unrealistically high. With prices coming down and homes for sale inventories rising, the real estate market is moving toward a buyer’s market — but we still are a long way from there at this time.

The current homes for sale market means that buyers can take longer to make buying decisions, which keeps many homes for sale on the market longer. There is more competition for owners of homes for sale, requiring different selling techniques.

The most important thing is to accurately price homes for sale. Too high, and they will remain on the market too long. Sellers must be realistic. Homes for sale owners must begin to look at the “real” price of their home, based on what they actually paid for it and for what price they can sell it. They cannot look at the “paper” equity that was created by the bubble — you cannot lose money that was never real! The only money lost is in “theory,” based on what an earlier, unrealistic market said for what you could sell your property. The only “real” money that would be lost would be if you had to sell a home for less than you paid, and the homes for sale market is not at that point and hopefully never will be.

The second most important selling technique for homes for sale is to market it correctly and make it stand out amongst all the other homes for sale. Preparation before putting your home on the market will make a difference. Have it inspected beforehand and repair, renovate and replace any defective items in the interior and exterior of the home, as well as landscaping problems. Stage your home for showing — fresh paint, fewer furniture pieces attractively positioned to make rooms appear larger (put your extra pieces in storage), adding small decorative accents of color to pull the viewer’s eye to unique features within the rooms, and so on. Some realtors can assist owners of homes for sale with “buy-down” mortgage products to add more buying appeal to the property without having to lower the sale price.

In this current market, the owners of homes for sale with the edge are those who take the extra time and effort before putting their homes on the market, along with a realistic selling price.

Essentials of Sarasota Home Ownership

You probably started the process of buying your home in Sarasota buying process in one of two ways: either you saw a Sarasota home for sale that you were interested in buying or you conferred with a lender to discern how much money to borrow before finding a Sarasota home (also known as pre-qualifying). The subsequent step in the process is signing an agreement of sale with the seller, which is followed by applying for a loan to purchase a new home. The final step of the home buying process is known as “settlement” or “closing,” where the legal property title is transferred to your name. Everyone actually has the opportunity of negotiating the terms and conditions, as well as the costs, to their advantage at each step of the home buying process. This article highlights these beneficial opportunities. It will take the reader through the essential steps of buying a home, with the primary aim of surfacing out the mysteries that lurk across the settlement process.

A Sarasota real estate agent or broker is usually the first person that an interested home buyer seeks advice from. In the Sarasota housing market, as with any other real estate market in general, sellers commonly hire the service of brokers to find them people to buy the home that they are selling under terms and conditions that are acceptable to them. Most likely, the Sarasota real estate broker one is dealing with may also represent the seller. What some new home buyers do not know is that they can hire their own Sarasota real estate broker, commonly known as buyer’s broker, to represent instead their interests as a buyer.

But even if the Sarasota real estate broker represents the seller, Florida real estate licensing laws that are operating across Sarasota require that the broker treat buyers fairly. This can be verified by contacting the Sarasota real estate commission or licensing department.

Sometimes, the real estate broker will offer to help a buyer in applying for a mortgage loan. The broker may also suggest dealing with a particular lender, a title company, and attorney or settlement agent. Just put in mind that buyers are not required to follow the broker’s suggestions. The wise mode of action would be to compare the costs and services offered by other providers with those recommended by the real estate broker.

Before signing a contract of sale, one might consider inquiring an attorney to read it over to reveal if it protects the interests of the buyer. Nevertheless, for those who have already signed the contract, requesting an attorney to review it is still possible. Attorneys can also help prepare for the settlement. Within Sarasota, attorneys serve as settlement agents or as escrow agents to handle the settlement. However, such an attorney does not solely represent the interests of a buyer because as settlement agent the attorney also represents the interests of the seller, the lender and others. For those who are searching and choosing an attorney, find out whether a particular one is experienced enough in representing home buyers.

Tuesday, December 19, 2006

Tampa Housing Market:Improve Chances of Selling A House

Making a good first impression is decisive in making or breaking a serious deal for a home that you are selling, especially in a competitive, buyer’s market as the Tampa housing market is these days. This year, Tampa housing market has been experiencing a dramatic shift towards a buyer’s market as inventories pile up consistently due to a growing number of homes still floating, awaiting to be sold. The rate at which homes are being listed for sale in Tampa outpaces the rate of sales approximately by a 2 to 1 ratio. Building up a positive impression towards buyers can spell the difference between remaining and leaving the list of homes for sale in the Tampa housing market. This article recommends practical basic tips for ensuring that a home one plans to sell will make the best impression as possible.

A savvy home seller focuses on curb appeal because the exterior of a house is the first line of features that is observed by a potential buyer. The exterior can be the source of a very good first impression. Maintain the lawn by keeping the grass green and mowed. Lawn maintenance can amount simply to watering the grass daily and having trees or shrubs trimmed regularly. Cutting back on overgrowth is affirmative. Flowers add color to the overall scenery, hence planting some bloomers is a good idea. Objects left laying on the lawn such as bicycles, gardening equipment, store toys, bicycles, or roller-skates, and the ilk can be an eye soar, so it is advised to keep them out of sight. Also have at least the front of the house painted. The porch and the front walkway should be swept to keep off dried leaves and dust. At night time, switching on the front porch light as well as any other exterior lighting can keep the house visible and rendered with a good view.

Still with regards to visibility, clutter must be kept out. Buyers will not purchase a Tampa home that they cannot see. If the living area has too much furniture, the kitchen appears too crowded, the closets are overflowing, and bathroom lots of collectibles on display, prospective buyers will not be able to see the bare features of the home. A practical bit of advice is to get rid of anything that is neither needed nor frequently used. One can fill up the garage or perhaps even rent some off-site storage space if the need arises for clearing out the home of things that one has no plan of disposing yet.

While many people are unmindful of scents, other potential buyers can be extremely responsive of offensive smells. To eradicate unpleasant odors, a set of chores would not hurt. These may include bathing pets frequently, dry cleaning drapes, shampooing carpets, and most important of all, emptying trash bins especially those that contain putrid kitchen wastes. Bring in pleasing smells by putting flowers or potpourri inside the home and making use of air fresheners. Another common approach is baking of fresh pie or some other fragrant treat.

Carrying out necessary repairs, no matter how minor they are, is also very essential. Buyers expect everything in a new home to function properly, and of course, operate safely. Fussy buyers will certainly take notice of, and perhaps blow up, minor maintenance problems that were ignored for months or even years. Make sure to fix broken windows, leaky faucets, busted bulbs, inoperable appliances and the ilk before even listing the home for sale. These repairs may seem insignificant, but leaving them undone can lead buyers to doubt whether the home had been well taken cared of.

Retiring Abroad – Should You Do It?

You have worked hard all your life and now you want to relax and enjoy your “golden years” in comfort and not worry about money, for many people this now means retiring overseas.

With inflation high, state support low and everyone living longer, many people are considering retiring abroad to make there money go further.

Should you consider retiring overseas?

The answer is yes, but you need to be careful with the location you choose.

There are many places you can choose to live.

The problem is that many people find retiring abroad is either paradise on earth, or they are hit by a culture shock.

So what do you need to consider to find a location that suits you when retiring overseas?

Let’s find out.

The three most important questions you need to ask yourself are:

How far away from your loved ones and your country of origin do you want to be?

Many people retire thousands of miles away and feel isolated.

If you want to retire abroad you may want to consider being close to home so that you can keep in touch with family and friends.

2. What about the living conditions?

Sure you may have a nice house, but if you are surrounded by street children, high crime, poverty and the atmosphere is generally depressing, you won’t have a good time.

3. How big is the foreign community?

People who retire abroad normally want to have people around them they can socialize with who are farmiliar with the same culture.

If its an area where there is a community from your country of origin you are more likely to enjoy yourself, unless you are comfortable integrating into the existing native community.

4. Facilities

What are the facilities like?

Do you have shops, roads and communications that are of a high standard?

These will normally be available in countries with large foreign communities.

What is a good country to retire to?

There are many to choose from but its best to stick with established destinations rather than up and coming ones.

One of the most popular with Americans and other foreigners is Costa Rica.

The country is just a 3 hour direct flight from the US, is beautiful, a stable democracy and has low crime.

With ocean view property available at up to 70% less than on the US coast, combined with a great standard of living its a good solid choice

Here you can live on around $2,500 a month and have a good standard of living.

Furthermore, because it is an established destination with ammenities that are of a very high standard compared to its neighbors such as Nicaragua, Honduras or Belize.

With a large community of foreigners and friendly locals it’s an easy place to integrate and feel at home.

Costa Rica is and will remain, one of the top retirement destinations and record numbers of Americans are moving here.

Can You Really Use the Internet to Determine the Value of Your Property

There has been a recent upsurge in the popularity of web sites such as HouseValues or Zillow that allow you to enter an address and in a few moments receive a computer generated price evaluation of your property. Is this a serious way of determining what your house or condo is worth or an amusing modern day parlor game?

As a real estate agent in Incline Village, NV on the north shore of Lake Tahoe, I had to see for myself. So, I plugged in the addresses of some recent property sales right here in Incline Village. The graphics were nice and the information interesting, but the price evaluations were not even close to reality. For example, a house that closed escrow on 1/19/06 at $855,000 came back with a current market value of $1,058,657. Now that is a heck of a lot of appreciation in a market that has been flat all year long, if you believe the Internet estimate.

I tried this exercise for many other properties, including my own home that I purchased in June 2005 and was astounded that every single one was overvalued by hundreds of thousands of dollars. Maybe this service works in areas with tract homes, but as far as Incline Village Real Estate is concerned it's not reliable.

It would be tragic for a seller to over-price their property by a large factor and not have it sell simply because they relied on this type of information from a web site rather than an unbiased evaluation based on a complete walk through of the property. If a seller overprices their property, they may well sit on their property for many months than if they had priced it right in the first place. How much you want for your property and what it will sell for are very often two different numbers.

The only way to truly get a good estimate of the fair market value of your property is to have a thorough comparative market analysis performed. This analysis will take into account not only the most recent comparable sales, but also other factors such as view, upgrades and remodeling, street noise and traffic, ease of access, compliance with local regulations and other things specific to your area.

Do not rely on the asking prices of the properties for sale in your neighborhood as a guideline, when it comes to pricing your property. The reason these properties are still for sale (especially if they have been on the market more than 60 days) is that they are probably overpriced. Only those properties that have actually sold and those deals that are currently in escrow can be used to write an accurate comparative market analysis.

When a listing agent makes a presentation to you, it's not the one who quotes the highest market value for your home who should get the listing. Rather, it's the agent who will do the best job of getting you fair market value while providing great service and working hard on your behalf every step of the way. You want the best representation and the highest fair market price, because you won't get the number that is out in dreamland.

So, have fun visiting these house valuation web sites and enjoy the nice graphs and charts. But do not consider the prices quoted to be accurate and if you really want to estimate the fair market value of a property, either hire an appraiser or have more than one real estate agent provide you with a thorough comparative market analysis and then draw your own conclusions. Properties sell for fair market value, not what someone wishes they will sell for or what some impersonal software program estimates they are worth.

Monday, December 18, 2006

Activity in Wilmington NC Real Estate

Homes are still selling in Wilmington. Several of my listings have received multiple offers before going under contract, proof that there is still plenty of activity. Prices are still rising in the Wilmington market and demand continues to be strong.

We have a larger inventory of homes than we have seen in months, to the advantage of the buyers. They can look around and pick the house they really want instead of making an offer on the house they find before someone else gets it under contract.

Of course we have plenty of homes that are clearly overpriced, but they are falling out of the running as time passes. The overpriced inventory struggles because few buyers want to look at homes that are priced higher than similar houses in the same neighborhood. Eventually the prices of these homes will fall in line with comparable properties or come off the market.

Although the market is going through an adjustment which seems to follow the reports on national television, the Wilmington market continues to be strong in many ways. As the demands on the Brokers become greater, we will have to work a little harder and focus on the basics of advertising, personal customer service, and being honest with buyers and sellers. While a lot of Brokers over promise and under deliver, the best agents will under promise and over deliver while meeting our clients' needs. If we're honest with people and help our clients meet their goals we will continue to have a great real estate market. We have inventory in all areas, price ranges and sizes. Until they make more Southeastern NC beaches real estate will continue to be a great investment in Wilmington.

Corbels Architecture and History - What Are They And Where Did They Come From

Across the globe there are thousands of interesting and appealing corbels. However, despite the appeal of these corbels, many people are unsure exactly what a "corbel" is ? Essentially, a corbel is a piece of stone, or possibly timber, which juts out of a wall to carry incumbent weight. But, corbels do much more than just this decidedly unsexy work, they allure and provide one with a brief yet detailed look into a buildings past. The name derives from a French word meaning crow, because of the corbel's beaklike shape.

Corbels are most famous for appearing as gargoyles on the side of churches and cathedrals, namely Notre Dame in Paris. Norman (Romanesque) corbels often have a plain appearance, although they may be elaborately carved with stylized heads of humans, animals or imaginary "beasts", and sometimes with other motifs. The corbels carrying balconies in Italy and France were sometimes of great size and richly carved, and some of the finest examples of the Italian "Cinquecento" (16th century) style are found in them. Throughout England, in half-timber work, wooden corbels abound, carrying window-sills or oriel windows in wood, which also are often carved.

A corbel arch is an arch-like construction method which uses the architectural technique of corbeling to span a space or void in a structure, such as an entranceway in a wall or as the span of a bridge. A corbel vault uses this technique to support the superstructure of a building's roof.

The word "corbel" comes from Old French and derives from the Latin corbellus, a diminutive of corvus (a raven) which refers to the beak-like appearance. Similarly, the French refer to a corbel as corbeau (a crow) or as cul-de-lampe, Italians as mensola, the Germans as kragstein.

The technique of corbelling, where rows of corbels support a projecting wall or parapet, has been used since Neolithic times. It is common in medieval architecture and in the Scottish baronial style.

Many people use corbels in the 21st century as a way of decorating their house. Corbels provide a space and cost-effective way of making one's house more presentable, and adds culture and style to a home. By replacing doorways with "corbeled archs", one can make there house more spacious and more presentable.

Sunday, December 17, 2006

Creating a Community After Buying a Home in Spain

Many people who buy a second home or even intend to move to Spain tend to think about the property or the area they are living in only. There is often very little thought to the laws of Spain and how we all will have to think more about our neighbors. Most homes in Spain are part of a community. They are set up when the property is originally built and the rules which are set by the community will be the ones you have to follow whether you want to or not.

Take a typical new complex on one of he Costa's where many North Europeans have been attracted too.

After the new owners receive heir keys there will be a short time, where there are no rules for the complex whilst the builder still officially owns the pool, gardens etc around he complex. But within about 3 months the builder will want to hand the complex over to the property owners, these property owners will then become a community.

They first will need to elect a president, who will help with the cost issues of the community, such as rubbish collection, pool maintenance and garden maintenance. He will add up the total cost and then divide it amongst the property owners, sometimes this can be of equal shares, sometimes by the size of the property and the community decides which. The community then decides on the rules of the community, for example what times he pool can be used, are inflatables allowed in the pool, can food be eaten in the area, what color the homes should be and the procedure o follow should anyone want to do some building work to their home.

Chances are, all building work will need to be agreed by the community before it is proceeded with. So if you would like to add balustrades around your garden wall you first must get permission from you know who. Of course this causes all sorts of disagreements, especially in the early days. Many feel they are the owners of their own castle and no one should dictate what they can and can't do to their property, unfortunately this is Spanish law and something you will have to get used to if you buy a house in Spain.

There also needs to be a an administrator who is independent of the community an as the name suggests is an administrator of the written rules, however It is normally the president or vice president that will uphold them should anyone go astray. Those who disobey the rules can receive a court injunction and can be bared from such things as the pool, garden and parking areas.

Making The Perfect Craft

Making crafts are a wonderful way to spend a day at home. Leisure activities such as ping pong, board games and making crafts are different activities to do in your home. Painting, coloring, writing, making music, and making crafts are all creative activities. The process of making art and the process of making crafts are related but different.

There are many ideas and for making crafts for the table, wall, or door, plus lots of different tree ornaments you can do when you think about it. Coming up with Christmas craft project ideas can be difficult, to find ideas look at some craft magazines. There are many ways to come up with craft ideas, try using everyday products around the home or use recycled materials to create your crafts. You will also find lots of ideas for making crafts using household items. There are plenty of summer craft ideas for all ages if you think about it. The internet is a great place to get ideas for cards or scrapbooks. Stamping and needlework are easy to learn and there are many ideas for patterns. When on a budget, add accessories to your crafts or bedazzle them. Kids love Halloween crafts, children always have fun making crafts, especially holiday-themed crafts.

Handmade crafts and scrap booking are very enjoyable and popular pastimes for adults and children. There are loads of scrap booking layout ideas for you to try out. Buying discount scrap booking supplies can save you a lot of money. Scrap booking is an activity which is growing in popularity. Scrap booking, cross stitch, patchwork and needlework kits are easy to find the stores or on the internet.

When making crafts learn to have fun with it. Kids have fun drawing, painting, making crafts. This origami craft is fun to play with and educational at the same time. You can make crafts without creating a huge mess. Include your children when creating crafts you could have a lot of fun making crafts with your kids out of the things you throw away every day. Easter is a fun holiday and the Internet has many fun things for families to make crafts with. Children will have fun making crafts and exploring their creative side. Join the fun of making crafts, reading stories, cooking, gym play, and tumbling during these four-week sessions. Join in with the family and enjoy fun activities such as holiday crafts and games, this is one way of brining the family together. There are so many ideas that we cannot mention all of them but one which is easy to do is to create fun items just to spice up a lonely shelf or tabletop. Find fun activities to do together, such as making crafts, writing a story, or acting out a musical. Crafts can be a fun creative outlet for kids and adults.