tag:blogger.com,1999:blog-68368330390192077922024-03-05T14:15:40.179-06:00Saint Charles Real Estate Blog and NewsYour local St Charles and Saint Louis Missouri source for expert real estate services and strategies. Call (314) 558-9225.Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.comBlogger251125tag:blogger.com,1999:blog-6836833039019207792.post-77906731967554845392011-06-21T15:15:00.001-06:002011-06-21T15:17:11.093-06:00Are mortgage interest rates really ‘historic’ now?We hear it all the time. Headlines trumpet “mortgage rates at historic lows!” Could this really be true, or is it hype? Curious to find out, we researched mortgage rates way back to 1981 to find out the real story. Which is to say, yes, our current interest rates are historic.<br /><br />Back then, some 30 years ago, the interest rate was a whopping 16.70 percent (can you image that?) for a 30-year fixed rate mortgage in June 1981, according to mortgagenewsdaily.com. In between then and now, rates did moderate to averages of about 11.50% in 1983; 8.43% in 2000; 6.88% in 2008.<br /><br />So yes, the 4.73% average now really is historic. For buyers and sellers, this may be the most influential component in deciding to enter the housing market now. Buyers are enticed by the low rates and the increased housing stock. Sellers have the advantage too. Low interest rates bring in potential sales, and if your home is competitively priced and improved to match comparable homes in your neighborhood, your success rate will be high.<br /><br />Spring and early summer are the peak times for buying and selling. Buyers want to settle into their new neighborhood when the weather is nice and they can be outside to meet neighbors. Children also benefit with an early summer move so they can adjust to new friends and schools.<br /><br />For sellers, advantages include the opportunity to increase curb appeal and add special touches to landscaping to really show off their property. Homes show much better in the summer months with loads of outdoor natural lighting streaming in through the windows. And sellers want to be somewhere else, established in their new neighborhood.<br /><br />If the interest rate is the prime motivation for buying or selling, this is the right time. We see the rates hovering around 5% or less for the foreseeable future. Wait or not, there is success out there for both buyers and sellers.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-85215470509739249582011-06-14T08:27:00.000-06:002011-06-14T08:28:43.369-06:00Yes you can sell your home this summer! Take a look at what buyers want and get your home ready to go.We’ve all heard that this is a buyers’ market, there are plenty of real estate choices and buyers expect the lowest price possible. This can put sellers on the defensive. However, you can position your home in this market to satisfy buyers and get fair market value for your property.<br /><br />Price. Your real estate agent will help you determine a fair price for your home. She will provide you with comparable homes in your area so you can be competitive as soon as your home is listed. Pricing your home too high will only turn away serious buyers and get yourself into a stressful negotiations battle.<br />Basically solid. Position your home as well maintained, solid and ready to move in. Today’s buyer wants a home that has value for years to come. A pre-sale home inspection is a good idea. The inspector will help you decide what you need to fix or upgrade structurally to make your home more appealing. <br />Energy efficiency. One of the most enticing selling points now is energy efficiency, which points to lower utility costs down the line. Emphasize your home’s energy efficient aspects, such as appliances, heating and cooling systems, windows, lighting and insulation.<br />Incentives. Some sellers offer incentives to lure buyers, such as financial assistance at closing, purchasing the first year for a home warranty, sharing closing costs, paying a year’s worth of home association dues or prepaying property taxes. Offering incentives up front do make your property stand out and can shorten the negotiation process.<br />Outdoor living. A seemless transition between indoor and outdoor living is a popular plus these days. Highlight your lovely deck, patio or screened-in porch. Here’s a wonderful opportunity to stage that area with lighting, colorful flowers and landscaping and furniture. Not only is this a selling point, but you’ll enjoy your outdoor living space right now.<br /><br />Present you home with positives in place, clean and de-clutter, repair, update and price reasonably. Your property will stand out and attract the right buyer for the best deal.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-20030936035998495262011-06-07T09:43:00.000-06:002011-06-22T17:55:43.841-06:00Just don’t do that. Some over-the-top renovations won’t help sell your home or impress buyers.Selling a home usually means some updating, possibly remodeling a few areas. Kitchens and bathroom renovations reap payback at closing time, but a word to the wise: don’t over improve. You’ll set yourself up for a yield of diminishing returns. <br /><br />The smartest way to increase your home’s value is to bring it up to neighborhood standards. Leaping ahead of the Joneses will only stall your sale, especially in a market where buyers are cautious and want to see solid value. Always consider your neighborhood and research comparable properties before you jump into renovation projects.<br /><br />Here are some don’ts and do’s.<br /><br />Don’t assume more space means more profit. Depending on your neighborhood, over-the-top improvements can be a real turnoff for buyers, especially if it means that additional maintenance isn’t worth the effort. For instance, kitchens catch a buyer’s eye, but if you’re dead set on a chef’s kitchen, take a step back and think about it. Sprucing up a kitchen is a good move, and a nice makeover can be done with minimum investment. <br /><br />Don’t turn a bedroom into an office space when you’re ready to sell. Buyers want bedrooms and want to see rooms as bedrooms. If you already have a home office, which most of us do these days, upgrade that space with attractive storage units to reduce clutter, and maybe a new desk that you can take with you to your next home.<br /><br />Do think long and hard about installing a swimming pool, unless you plan to stay where you are for a long time. Buyers can see a pool as a major headache and safety issue if they have small children. Heating, skimming, repairing, balancing the acidity level and winterizing are a lot of work for buyers moving into a new home. Instead, take some of that money to create a beautiful landscape with perennials–a lot less work.<br /><br />Don’t install that media room with theater seating. As buyers downsize, that’s one recent improvement that is no longer enticing. A family room is a better value, but so is a clean, waterproof basement for storage and an efficient laundry space.<br /><br />The way you look at your living space is very personal. If, indeed, you want an Italian wine cellar with imported stonemasons, by all means do that should you plan to stay for a while. But, that wine cellar isn’t going to add bottom line value to your home if you want to sell now.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-56709367056047449662011-06-01T10:31:00.000-06:002011-06-01T10:32:01.701-06:00Grilling outdoors is a time-honored American tradition. Keep it a safe experience for your family and friends.Americans have a love affair with barbeque, and Memorial Day is the unofficial kickoff for grills, smoke and sauce. Getting family and friends together for a meal is one of the pleasures we enjoy the most, but keeping the experience safe is a must.<br /><br />The National Fire Protection Association (NFPA) reports that each year outdoor grills cause an average of 7,700 house fires and $80 million in property damage. Here are some grilling tips to avoid being a statistic this summer.<br /><br />Regardless of the type of grill you favor, it should be located outdoors and in a clear area. Place your grill away from siding, deck railings, eaves and overhanging branches. DO NOT grill in a garage or enclosed space. That’s just setting yourself up for a fire.<br /><br />Kids are a big part of barbeques and when they get together, there is usually a lot of running around. The NFPA recommends setting up a three-foot kid-free zone around the grill to ensure safety.<br /><br />The cook should use long-handled grilling tools for clearance from heat, flame and hot grease. Don’t wear loose-fitting clothes that may catch on fire.<br /><br />Gas grill enthusiasts should check out the gas tank hose for leaks before using it at the beginning of the season and periodically during the summer. Obstructions in the fuel path are the number one reason for gas fires. At the first sign of a leak, turn the grill off and have it serviced by a professional. <br /><br />Charcoal grilling also has its hazards. The first problem begins with lighting the charcoal with lighter fluid. Use the fluid only to start a fire, never when the coals are burning. Lighter fluid turns to a heavy gas at a low temperature, which will explode easily. Rather than deal with lighter fluid at all, use a charcoal chimney stuffed with newspaper on the bottom to start your coals. Much less risk, and you also avoid the carcinogenic effect of chemicals.<br /><br />Should you have a grill fire, move everyone away from the area and call 911. Really, don’t let your ego get the better of you and your guests. <br /><br />Beer and barbequed brats go together, but not for the grill master. Don’t drink and barbeque at the same time. You’ll need a clear head to produce a fine meal and stay safe. Have that congratulatory drink when you guests are raving about what a great cook you are.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-66544158624786434012011-05-30T21:48:00.001-06:002011-05-30T21:48:57.197-06:00Investing Your Tax Return In Your Home Enhances Value & Adds EnjoymentWhat did you do with your tax return this year? Maybe a quick vacation to reward yourself for actually getting your taxes in on time? A down payment on a new car? Or did that refund just…disappear into your daily expenses?<br /><br />We think the best use for your refund is to target improvements that will enhance your home’s value. The average tax refund is $3,000, but even if your return was less than the average, there are plenty of quick fixes to make you feel good.<br /><br />With spring here and summer not so far behind, let’s go outside for some tax return projects that will make your home a welcome site. Houselogic.com has some great ideas.<br /><br />For about $3,000 you can add a soft glow to your home with outdoor lighting. One of the most important techniques to increase curb appeal and safety, outdoor lighting enhances your home’s architectural features that welcome guests into your home. The cost would include 7 LED lighting fixtures with a transformer to convert household current into low-voltage and two motion detectors.<br /><br />Going around back, take a look at your patio. Outdoor living is in now, and a $3,000 patio makeover could add 30-60% on your investment. A professionally installed 12 by 16 foot brick or paver patio will give you plenty of room to enjoy the outdoors in addition to the increased value.<br /><br />Taking into consideration the recent run of very bad weather, you might give some thought to a portable generator system to keep you up and running when the power goes out. Depending on kilowatt model, a generator ranges from $500-$2,500. Investing part of your tax return in a generator will help you continue with a few electrical essentials until the power goes back on.<br /><br />And you’ll have a bit of money left over for a pizza party on your new patio!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-53964600282539075582011-02-01T11:16:00.001-06:002011-02-01T11:16:00.856-06:00February Calendar of Events<span style="font-weight:bold;">Through February</span><br />Black History Exhibit<br />Frenchtown Heritage Museum<br />For more info and hours, call 636.724.2106.<br /><br /><span style="font-weight:bold;">Winter Classic sponsored by the Ice Skating Institute</span><br />Friday, February 11-Sunday, February 13<br />Various times<br />St. Peters Rec-Plex<br />More than 1,000 skaters from across the country compete in the <a href="http://www.stpetersmo.net/calendar-details.aspx?eid=1994&m=2&d=12&y=2011" target="_blank">Winter Classic</a>. See a record performance that will feature 140-plus people from the community on the ice all at once.<br />For more information, call 636.939.2386<br />FREE<br /><br /><span style="font-weight:bold;">ART by Yasmina Reza, translated by Christopher Hamptons</span><br />Thursday, February 17-Saturday, February 19<br />Riverside Shakespeare Theatre<br />Feb. 17, 7:30 p.m.; Feb. 18 and 19, 6 and 9 p.m.<br />Foundry Art Center<br />What is art? That’s a question most people don’t have an answer for. The Tony award winning play, ART, explores that question and the true meaning of friendship. In this comedy drama, three friends come to realize that even though they have been friends, their differences don’t stop with artistic opinion. Much laughter and insight abound.<br />$15 at the door, or go to the <a href="http://riversidetheatreco.com/" target="_blank">Riverside Theatre Company website</a>. Are you a member of The Foundry Centre? Get a discount for the show by calling 636.255.0270.<br /><br /><span style="font-weight:bold;">Lindenwood University Speaker Series</span><br />7:30 p.m.<br />Thursday, February 10<br />Anheuser-Busch Leadership Room<br />Dr. Robert George discusses Natural Law: God and Human Rights<br />For info, go to the <a href="http://www.lindenwood.edu/academics/speakerSeries.cfm" target="_blank">University website</a>.<br />FREE<br /><br /><span style="font-weight:bold;">Percussion Discussion, Crescendo Concert Series, A Free Children’s Concert</span><br />Saturday, February 12<br />10 a.m.<br />First United Methodist Church<br />This concert is designed for children. Matt Henry and member of the UM St. Louis Percussion Ensemble will have a hands-on display of making music with percussive instruments. Please bring a canned good or one dry-packaged food item. For more info, go to the <a href="http://www.crescendoconcerts.org/" target="_blank">Crescendo Concert Series website</a> or call 636.946.0310. <br /><br /><span style="font-weight:bold;">Shiver Fest</span><br />Saturday, February 19<br />Noon-9 p.m.<br />Augusta Brewing Company<br />Enjoy a day of fun winter activities in Augusta, including live music, toasty fires, hayrides and a very special beer release.<br /><br /><span style="font-weight:bold;">From Tragedy to Miraculous Rescue</span><br />Friday, February 25<br />6:30 p.m.<br />St. Charles County Library Middendorf-Kredell Branch<br />Sponsored by OASIS<br />Dagoberto Pinto, a U.S. citizen born in Chile, shares his fascinating story of his visit to the San Jose Mine in Chile, where 33 miners endured 69 agonizing days underground. Pinto took an American flag and a card signed by 150 co-workers at O’Fallon Casting. For more information, call 314.539.4556 or visit the <a href="http://www.oasisnet.org/Cities/StLouisMO.aspx" target="_blank">OASIS website</a>.<br /><br /><span style="font-weight:bold;">Mardi Gras Parade</span><br />Saturday, February 26<br />3 p.m.<br />Frenchtown District<br />North Second and Clark Streets<br />Family friendly parade, children’s activities and music.<br />For info, call 800.366.2427<br /><br /><span style="font-weight:bold;">Beggin’ Pet Parade and PetSmart Wiener Dog Derby</span><br />Sunday, February 27<br />11 a.m.<br />Soulard at Allen and Menard Streets, St. Louis<br />Bring your party animal to Soulard’s <a href="http://www.mardigrasinc.com/events/beggin-strips-barkus-pet-parade/" target="_blank">Beggin’ Pet Parade</a> and show off his outrageous finery. Thousands of pets party on and attend the “Tail”gating Party too. It’s a $10 donation to the Open Door Animal Sanctuary to enter your pet, and free if you just want to watch and fun. Got a doxie? Enter her in the PetSmart Wiener Dog Derby on Saturday after the parade. Dachshunds race in three divisions, depending on age: Cocktail Wienies, Ballpark Franks and Hot Dogs. Trophies, medals, race pictures and local radio talent announce the race. There’s a $10 fee to register your Dachshund. Fun is free.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-30700838252575194382011-01-26T17:14:00.002-06:002011-01-26T17:17:04.128-06:00Free ADT Home Security<span style="font-family:arial;"><span style="color:#000000;">If you are intersted, one of my real estate partners is offering a <span style="FONT-FAMILY: 'Calibri', 'sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><span style="font-size:100%;">FREE ADT Home Security System, call me today to see how...just thought I would offer this out to my FB peeps!</span></span></span></span>Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-31314375245813427332011-01-25T14:58:00.000-06:002011-01-25T14:58:00.903-06:00Plan Your House Hunting Efficiently and Avoid Stress<strong>With so many houses on the market now, buyers can be overwhelmed if they don’t have a plan.</strong><br /><br />With the number of houses on the market now, searching for that perfect property can be time consuming and sometimes frustrating. The number of homes potential buyers want to see has increased dramatically in the last couple of years, with buyers searching for the perfect home at the perfect price.<br /><br />How do you cut through the process and become efficient in your search? First, be honest with yourself and your Realtor. Make a list of all the features you want in a home and stick to it as much as possible. That includes location. By not straying, you and your agent can be much more efficient.<br /><br />Be fair about what you can pay. While homes at the very upper end of your budget may dazzle you, spending time on the unobtainable is inefficient. Keep in mind that buying a house is a very long-term financial commitment.<br /><br />Almost nine out of 10 homebuyers start their search online. Here you can see virtual tours and get a feel for the property. Download the information and put it in a binder that you will refer to frequently. Set up a driving tour by using an online map application. That will guide you in a logical route and you won’t waste time and gas.<br /><br />The market has been flooded with short sales and foreclosures. What if the home you find falls in one of those categories? Are you ready and patient enough to deal with the special circumstances surrounding these properties? The bank owns foreclosures and there is virtually no variation in price, plus the property may have been neglected and will need extensive repairs after you buy it. Short sale properties are usually in better shape, but, since the buyer will be dealing with the seller as well as the bank, negotiations can take months. If you see a foreclosure in your future, work with a Realtor who specializes in this type of sale. You want an agent who is experienced and can work through this lengthy process.<br /><br />Trust your emotions. If you feel an initial connection with the home, give it serious consideration. Be cautious about seeing the next home and the next home, hoping an amazing bargain is right around the corner when you heart lies with the first one you saw.<br /><br />When you find that special home, be flexible during negotiations. Just because more homes are available doesn’t mean you can walk away with a very lowball offer. You want to get to a place where both you and the seller are comfortable and the price is fair market value.<br /><br />With a bit of focus and planning you can land your new home efficiently and start your new life without stress and tension.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-54164968075277584302011-01-25T10:47:00.001-06:002011-01-25T11:13:06.588-06:00Reaching Our Goals in 2011 (The Grant Hickman Team)<p><span style="font-family:Times New Roman;">Thank you for allowing us to come into your life each month with our newsletter. I appreciate your time and want to take a moment to share with you The Grant Hickman Team Goals for 2011. </span></p><ul type="disc"><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Serve </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Help <u>70 Families</u> buy and sell</span><span style="mso-fareast-font-family: 'Times New Roman'"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Advise </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Offer proven <u>Home Buying and Selling Systems</u></span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Faster </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Sell homes <u>25% faster </u>than the local average days on market</span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Sell Higher </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Sell homes for <u>higher in price</u> (*97% of adjusted list price, 3-4% higher than local average)</span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Buy Better </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Buy over 10% under asking list price (-4% better than local average)</span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Have Fun </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Proactive Real Estate that will <u>reduce the amount of stress</u> and we are excited about helping :)</span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li><li style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in" class="MsoNormal"><strong><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: #003366; mso-fareast-font-family: 'Times New Roman'">Give Back </span></strong><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Embark on efforts to <u>give back to local foundations and charities</u> (*details in the near future)</span><span style="mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></span></li></ul><p style="MARGIN: 0in 0in 0pt" class="MsoNormal"><span style="font-family:Times New Roman;"><span style="COLOR: black; mso-fareast-font-family: 'Times New Roman'">Because of your past support, business, and recommending us to your friends and family we are able to set these new and exciting goals. The Grant Hickman Team is providing expert services including home buying, selling, relocation assistance, new construction, leasing, investment real estate and foreclosure avoidance</span><span style="mso-fareast-font-family: 'Times New Roman'">. This is going to be a great year!<o:p></o:p></span></span></p>Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-86165683053616546212011-01-21T16:57:00.000-06:002011-01-21T16:59:56.360-06:00Winter is no friend to your carpet. Improve your family life and that of your carpet’s with a professional cleaningSticking to a regular residential carpet cleaning schedule is important to maintain your carpet’s integrity and your family’s health, even during the winter months. A case in point is the recent snowy weather during December. Children tracking in snow and dirt from their sledding excursions, salt melt products stuck in boot treads, pet paw prints and embedded Christmas tree needles all add up to stress on your carpet and the possibility of permanent stains.<br /><br />Left unattended, your carpet takes a beating and delicate fibers begin to break down. Traffic areas become more noticeable and deeper and dried salt crushes into the carpet. If let unattended, salt products can strip carpets of their chemical bonding compounds and wood floors of the urethane coating.<br /><br />Another very important issue is mold. Carpets draw melting winter snow down to the padding, where without air drying, mold begins to form. Once you have a mold problem, it’s difficult and expensive to eradicate. A good winter cleaning will address all of these situations and make your carpet even more able to help combat allergens.<br /><br />Also, professionally cleaning your carpet in the winter means that with lower humidity levels, your carpet will dry quicker with no oppressive July humidity to slow down the process.<br /><br />The Environmental Protection Agency (EPA) recommends routine carpet cleaning every 6-12 months and every 3-6 months if you have young children and pets. Scheduling a winter cleaning is a smart way to extend the life of your carpet.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-55108151670075142072011-01-21T14:06:00.005-06:002011-01-21T14:12:28.969-06:00Avoid Foreclosure!I had 2 people this week call me about helping them <strong>avoid foreclosure</strong>. One person we are starting the process <strong>but</strong> the other person waited until <em>1 day prior to foreclosure </em>date to call me.....then decide to just let the bank foreclose on him. PLEASE, if you know of a friend or family member about to lose their home, have them call me ASAP, don’t wait until it is too late!!!!<br /><br />With just a 5 minute phone call and filling out a quick email questionnaire, my team and I can determine if we can help you in a very short amount of time. Don't make a decision like foreclosure that can impact you for many years down the road.Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-74676913502317907302011-01-18T15:53:00.002-06:002011-01-18T16:03:20.166-06:00Real Estate Job Opening STL/Saint CharlesThe Grant Hickman Team is looking to expanding in 2011 and hire another Realtor. We please contact Grant Hickman directly @ (314) 265-1531 if you are interested in a career in Real Estate. This is a commission only position. If you are new/newer in the real estate business and looking for another avenue to grow and succeed, The Grant Hickman Team might be your next HOME!!!Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-92143111253566458902011-01-18T13:23:00.000-06:002011-01-18T13:23:00.503-06:00Repairing Your Credit After a ForeclosureRepairing your credit after a foreclosure will take some time but is possible<br />Understanding why your home went into foreclosure and making financial adjustments will go a long way toward buying another home<br /> <br />Enduring a foreclosure on your home is painful and disheartening. Even though the past three years have been tough for many homeowners, being in the same boat doesn’t make the situation any better. Foreclosures have many ramifications for the family, the least being a damaged credit score that could prevent future homeownership.<br /><br />All is not lost. A foreclosure stays on your credit record for seven years, while a bankruptcy is 10 years. While you won’t own another home with a mortgage in the near future, you can look to the future and begin making repairs.<br /><br />First, examine the cause for the foreclosure. Possibly a job loss or health issues prevented you from making mortgage payments. In these cases you can apply to Fannie Mae or Freddie Mac in three years. If the foreclosure is due to financial mismanagement, the waiting period is seven years.<br /><br />Request a copy of your credit report from all of the three credit bureaus–Trans Union, Experian and Equifax–and write a detailed explanation of the foreclosure for each bureau. This is especially important if the foreclosure was the result of health issues or a job loss. It’s not going to change your score now, but in the future the facts may help you look credible to a potential lender. You can receive a free credit report by going to <a href="https://www.annualcreditreport.com/cra/index.jsp" target="_blank">annualcreditreport.com</a>.<br /><br />Pay your bills on time. Credit reports look at payment history, so it is extremely important to make regular payments on your accounts, including utilities. You will demonstrate that you are now stable and have a consistent financial plan in place. That makes you more appealing to lenders.<br /><br />Oddly enough, you should apply for credit. Just a little at a time, but having a car payment, a credit card or a department store revolving charge will begin the rebuilding process. Don’t go crazy though–keep you purchases low and pay them off every month.<br /><br />Plan a budget and adjust your spending habits. Doing this will relieve more financial stress. Keep track of how you’ve spent money and evaluate those purchases at the end of each month. You’ll have physical proof of what you bought and can determine if that purchase was really necessary.<br /><br />By being patient and practicing financial discipline for the next few years, you may indeed be able to purchase another home and start a better life.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-23475815833633616322011-01-14T15:24:00.000-06:002011-01-14T15:24:00.263-06:00Seed Catalogs Herald the Beginning of Spring Planting<b>Make a plan, choose wisely and use native plants for a low-maintenance gardening experience.</b><br /><br />The seed catalogs begin arriving. Beautiful, verdant pictures of luscious flowers blooming merrily along in sculpted gardens, all framed by well maintained rolling lawns. Leafing through the catalogs is certainly a fine diversion to chase away the gray January clouds and a way to begin planning your spring garden.<br /><br />Now, for a douse of reality. Those vibrant pictures of flowering roses, deep purple clematis, impatiens bursting in oranges, pinks and lavender¬–they live in a controlled climate carefully tended by nursery people who care for them correctly, not in our Missouri yards.<br /><br />So, keep in mind that what you see in the catalogs may not exactly work here. There’s no harm in dreaming, but as you begin to plan for spring, think of the reality of your yard and how much effort you will contribute to keeping it up.<br /><br />While we can’t promise a no-maintenance landscape, we do have some suggestions for a low maintenance garden.<br /><br /><b>Begin with a plan</b><br />Whether you are starting from scratch or refreshing your current garden, a plan is a must. Look at the environmental aspects of your space and designate shady areas, full sun gardens, windy areas and extremely dry or wet locations. When you’ve completed your assessment move on to choosing the appropriate plants for the right spots.<br /><br /><b>The design</b><br />As with most things simplicity, is much more elegant than an explosion of plant clutter. Each plant should serve a purpose, whether as ground cover, a backdrop or bits of color throughout a coordinated scheme. Give each plant enough room to grow, and be very generous with mulch. This nurtures plants, if you choose organic mulch, and reduces the need to water. Plants grouped into small beds are more eye-catching than a sweeping view more suited to public spaces. Small beds are also easier to maintain, which means success for you. The <a href="http://extension.missouri.edu/publications/DisplayPub.aspx?P=G6902" target="_blank">Missouri Extension Service</a> has landscaping guides and plans that will be quite helpful.<br /><br /><b>Plant selection</b><br />When choosing your plants, keep in mind the Missouri summers that can be extremely oppressive in July and August. That kind of heat stresses plants and the people who care for them. Choose plant matter that can handle low watering and high heat.<br /><br />The best bet for low maintenance plants are native ones. These plants live here in Missouri and have adapted well to the climate. <a href="http://www.grownative.org/plants/main.asp" target="_blank">Grownative.org</a>, a cooperative project between the Missouri Department of Conservation and the Missouri Department of Agriculture is an excellent resource to stock your garden with natives that you can enjoy the whole growing year with a minimum of effort. The Missouri Botanical Garden also offers <a href="http://www.plantsofmerit.org/" target="_blank">Plants of merit</a> that will grow well here.<br /><br />Curl up with the delicious seed catalogs as the cold winter wind blows outside. Choose wisely and decide how much work you are willing to contribute to your garden. Then you’ll have great success and an enjoyable summer.<br /><br />Tax season is right around the corner. If your finances aren't in order, give me a call today for a recommendation on who to talk to. 314.265.1531Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-71567926020820634742011-01-13T16:52:00.001-06:002011-01-13T16:52:00.955-06:00A few New Year RemindersStandard mileage rates, as of January 1, 2011:<br /><br /><br /><ul><li>51 cents per business mile</li><li>19 cents per mile for medical purposes</li><li>14 cents per mile for charitable services</li></ul><br /><br />Update your payroll state unemployment rate;<br />Estimated tax, if not paid before the end of 2010, they are due January 18th<br />To avoid income tax penalties be sure you have paid 100% of 2009 taxes or 90% of what you owe this year;<br />Get a basket, shoe box, or storage box, to contain all the tax documents you will start receiving via mail or e-mail;<br />This is a great time to update your home inventory by adding any electronic or other valuable items received over the holidays. Be sure to discuss with your insurance agent for additional coverage, if necessary;<br />Take advantage of buying ‘out season’ items, such as carpet, linens and swimwear.<br /><br />If you need help looking over your finances, give me a call at 314.265.1531 and I can recommend the perfect solution!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-83482479316267318452011-01-12T14:37:00.004-06:002011-01-12T14:42:37.727-06:00Have you had a Foreclosure/Short Sale / Chapter 7 or 13?I have the most recent guidelines for eligibility to buy again! Contact me and I can give some insight on how to get on track to being a home owner again….sweet!!!Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-39105167608025693362011-01-12T11:49:00.000-06:002011-01-12T11:49:00.574-06:00Tax Relief Act of 2010 Information<b>You need to wait to file your 2010 income tax if you are impacted by any of the tax deductions or credits renewed by the Tax Relief Act of 2010, enacted December 17th: The following schedules are changing:</b><br /><br /><ul><li>Form 1040, Schedule A, itemized deductions;</li><br /><li>Form 8917, Tuition and Fees deduction;</li><br /><li>Form 1040, line 23, Educator expenses;</li><br /><li>Form 4684, Casualties and Thefts;</li><br /><li>Form 5405, First time homebuyer credit & Repayment of credit; </li></ul><br /><br /><br />There are a few other less ‘popular’ credits too. The IRS expects to have the forms updated and ready for processing about mid-February.<br /><br />Another possible delay in filing your tax return this year; the Form 1099-DIV has been changed to report both ‘ordinary’ and ‘qualified’, and the Form 1099-INT now reports tax-exempt interest. Mutual Fund investments are the most likely to be incorrect since the information comes from several issuers, and then is broken out for the different types. Be sure to verify these Forms against your own records.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-24482754866351561702011-01-11T13:39:00.005-06:002011-01-13T15:12:02.573-06:00Mortgage LenderHow do you find an honest mortgage lender? Start with personal recommendations, and set up some appointments with certified lenders. Call me today and ask about Shawn Tihen at iBeria Bank. I can recommend him with full confidence. <br /><br />The Grant Hickman Team<br />314.265.1531Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-56120347785585552692011-01-08T11:39:00.000-06:002011-01-08T11:39:00.307-06:00Aaron's Auto Grand Opening Special!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSLcV95gG4_MJd3nQ6pw28vkQp0xzQ6omtPszA21F5f_w9-Mc7SL9OlcINxLeu-5800MTTw0c06Gl1WKWR5nnFuxNHubPCiwy9a8RhCqZSaFd8HwipU-7zXjRWst0gtloCdSxqg6lNEuA/s1600/Aaron-grand-opening-coupon.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSLcV95gG4_MJd3nQ6pw28vkQp0xzQ6omtPszA21F5f_w9-Mc7SL9OlcINxLeu-5800MTTw0c06Gl1WKWR5nnFuxNHubPCiwy9a8RhCqZSaFd8HwipU-7zXjRWst0gtloCdSxqg6lNEuA/s400/Aaron-grand-opening-coupon.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5559732122322497858" /></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-5022733775328275692011-01-04T16:09:00.001-06:002011-01-04T16:09:44.928-06:00It's 2011 - Join The Grant Hickman Team?!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi9tYjMZa3CEz1Sa1nU85hENON1vljJw955BydeQbhz4ObwYWLJHKC4VL8IO4HzgXb5JoIJ3qpDAtOoWvUF219wif2mK7XOx5uafnDMa33jqqQYNHPPTp73TRheSRS9vhvaylBSJ-9PhUz/s1600/BookOfBusiness.bmp"><img style="MARGIN: 0px 10px 10px 0px; WIDTH: 259px; FLOAT: left; HEIGHT: 400px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5548037582350311490" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi9tYjMZa3CEz1Sa1nU85hENON1vljJw955BydeQbhz4ObwYWLJHKC4VL8IO4HzgXb5JoIJ3qpDAtOoWvUF219wif2mK7XOx5uafnDMa33jqqQYNHPPTp73TRheSRS9vhvaylBSJ-9PhUz/s400/BookOfBusiness.bmp" /></a><br /><p><strong><span style="font-size:130%;">Have you considered SELLING your Real Estate Business? (book of business) </span></strong><br /><br />The Grant Hickman Team is ready to do business with you. We are looking for REALTORS who no longer have the time or passion for the business and would like an exit plan. If you are thinking of: </p><br /><ul><br /><li>Quitting the Business </li><br /><li>Changing Careers </li><br /><li>Burnt out on Real Estate Retiring </li><br /><li>Lost the motivation </li><br /><li>Let someone else do the work for you<br /></li></ul><br /><p>No matter if you do one transaction or 30 transactions a year, we would like to talk to you. You can still make money and let us do all of the work.<br /></p><br /><p><strong>Call Grant Hickman at (314) 265-1531</strong> to discuss how to continue to earn money, keep your license, yet focus on other endeavors. </p>Grant Hickman- GRI, ABR, eProhttp://www.blogger.com/profile/09633105962585929615noreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-23417561486350823982011-01-04T15:02:00.001-06:002011-01-04T15:02:33.494-06:00Jan. 2011 Calendar of Events<b>January-February</b><br />Bald Eagle viewing and events<br />Various dates and locations<br />The eagles return. The Middle Mississippi River Valley is home to the second largest population of bald eagles. Various state agencies and parks, nature and other local organizations and communities celebrate our nation’s symbol with many types of viewing and educational opportunities. Participants can find those <a href="http://www.greatriverroad.com/Eagles/eagleevents.htm" target="_blank">activities here</a>.<br /><br /><b>Friday, January 7</b><br />Star Party<br />6:45 p.m.<br />St. Louis Science Center<br />View the brilliant night sky with the St. Louis Astronomical Society. The Society and the Science Center will provide telescopes and answer questions. For more information, call 314-289-4453 or visit the <a href="http://www.slsc.org/Calendar/tabid/55/ModuleID/373/ItemID/2151/mctl/EventDetails/Default.aspx" target="_blank">Science Center website</a>.<br />FREE<br /><br /><b>Saturday, January 8</b><br />All about the farm<br />Primrose Farm<br />10 a.m. and 2 p.m.<br />5N726 Crane Rd.<br />St. Charles Park District<br />Learn about the historic Primrose Farm during farm story time from 10-11 a.m. Enjoy a snack and visit with the farm’s animal residents. At 2 p.m. guests can have a hands-on experience with farm animals and learn more about their care and feeding. <a href="http://www.st-charles.il.us/stc_calendar/date_details.asp?date=1/8/2011&TypeID=4&CategoryID=" target="_blank">Classes</a> are available for both events. Primrose Farm provides interpretative experiences about life in the 19th century on a farm and how technology has changed farming life. For more info, call the farm at 630-513-4370.<br /><br /><b>Friday, January 21</b><br />Russian National Ballet presents Romeo and Juliet<br />8 p.m.<br />Bezemes Family Theater<br />Lindenwood University<br />This full length ballet is performed by the Russian National Ballet in a dramatic and visually stunning production featuring more than 50 dancers in the great Russian ballet tradition.<br />For more information and to purchase tickets call the box office at 636-949-4433 or vist the <a href="http://www.lindenwood.edu/center/" target="_blank">J. Scheidegger Center for the Arts webpage</a>.<br /><br /><b>Daily through April 3</b><br />Treasures of Napoleon<br />Missouri History Museum<br />Forest Park<br />Daily 10 a.m.-5 p.m.<br />Tuesday 10 a.m.-8 p.m.<br />Look inside the private life of Napoléon Bonaparte, the Corsican general who attempted to conquer Europe and North Africa. Here is a look behind the legend with a showcase of his personal possessions, historic artifacts and paintings. For info and tickets, go to the <a href="http://www.mohistory.org/node/2851">History Museum’s website</a> or call 314-746-4599.<br /><br /><b>Saturday, January 29</b><br />Fete De Glace<br />9:30 a.m.-3:30 p.m.<br />Historic Downtown<br />Fete de Glace or the Festival of Light is an outdoor ice-carving competition where skilled carvers from around the region turn blocks of ice into amazing creations. Coffee, hot chocolate and fire pits are available for warmth. Call 636-946-1898 for more info.<br />FREE<br /><br /><b>Saturday, January 29 and Sunday, January 30</b><br />The Great Train Expo<br />St. Charles Convention Center<br />10 a.m.-4 p.m.<br />This is the place to be for model railroad enthusiasts. The show offers a variety of model railroad and toy layouts in many different scales and gauges. Hundreds of dealers will display their wares and model train experts are there to answer your questions. There are also free workshops for beginners and more experienced collectors. For information, call the Convention Center at 636-669-3000 or visit the <a href="http://www.trainexpoinc.com/info.html">Expo’s website</a>.<br />Adults $7/ kids 12 and under FREEUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-25728856785217020882010-12-27T14:36:00.001-06:002010-12-27T14:36:00.558-06:00A Year-End Thank You to Our ClientsThe past 12 months have been a year like no other as we learn to adapt to a different real estate climate and provide our clients with the best service possible.<br /><br />Our charge is to learn new ways to serve our clients, from new government regulations and programs, to enhancing online sites showing off your house, or helping a client through a complicated sale.<br /><br />We thank our home sellers and buyers for their support and the support of the St. Charles community. We strive to be good neighbors and make contributions that will enhance our corner of the world.<br /><br />When the going gets rough, working together makes the challenges easier and even more satisfying. We’ve been here for 35 years and intend to help our clients for at least another 35 years. Our agents always have your best interests at heart and we look forward to a brighter 2011. With you, we can do it.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-27230748425517537982010-12-20T14:34:00.000-06:002010-12-20T14:34:00.234-06:00A touch of paint adds up to a bright home, livable home for the new yearPainting can make all the difference in how potential buyers perceive you home.<br /><br />As 2010 takes its last bow, it’s time for a fresh, new outlook. Pack away those holiday decorations and give your home a bright look that will lift your spirits and position your home as more marketable. There are many small projects that can be done in a weekend, but nothing makes more of an impact than painting.<br /><br />It’s amazing how much a coat of paint can change the outlook of a room. Color makes a great difference, so start with a quart of your color choice just to make sure you like it, and it shows well during different times of day.<br /><br />When you buy paint, consider the type of finish and how well it will hold up. The most common finishes for walls and woodwork are eggshell and satin because they are easy to clean and give a crisp finish. Eggshell has a lower gloss than satin. In some cases, these finishes will show imperfections in the walls, so good wall prep and plastering are a must before you paint.<br /><br />Other choices include flat, or matte, which has no sheen and can be hard to clean. High gloss finishes aren’t used much for interiors, but they are becoming popular for a dramatic look on cabinets and very modern designs.<br /><br />Usually homeowners are counseled to present their homes in neutral colors, but don’t restrict yourself to whites and creams. Done well, even a contrasting wall in a related color will be pleasing to potential buyers. For instance, if you have a wall with French doors leading to a patio, you can make that wall a focal point with a darker shade of paint. Because the focal point wall has natural lighting, a darker paint won’t minimize the size of your room.<br /><br />Crown molding is a great selling point now. Show it off with a different color than your walls, but keep the ceiling light to make the room more expansive.<br /><br />Since you will be painting in the wintertime and have a limited ability to open windows for ventilation, it’s important that you choose a low or zero VOC paint. This type of paint does not release volatile organic compounds (VOCs) into your home. These paints have a slight odor when applied and no odor after curing. They are just as durable as traditional paints and are less harmful to you and your environment.<br /><br />Get started soon. A painting project is just what you need to brighten your home and your life.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-54032378306158929892010-12-16T14:53:00.001-06:002010-12-16T14:55:33.149-06:00THANK YOU! from The Grant Hickman TeamJust wanted to take this time to send out a personal Thank You to all friends, families, partners and everyone that supports me and The Grant Hickman Team.<br /><br />This past year certainly has been one to remember, not only in real estate, but also for so many families in so many “Life Effecting” ways. From foreclosure avoidance, divorce, downsizing…to growing families, marriage and investing in real estate!<br /><br />For those of you who know me personally, 2010 has shown me many aspects of life. I am grateful to have Lori, Cary and my entire SCHNEIDER team and Partners, Friends and Family surrounding and supporting me. I am also appreciative to all of our families that let us help them lease, refi, buy, sell and invest.<br /><br />The world of real estate is constantly evolving. I believe, as your trusted real estate advisor, it is my responsibility to provide you with information to make your real estate experience awesome. From explaining federal and state home buying incentive programs, eco-green advantages, staging, landscaping, navigating foreclosures, short sales, profitable real estate investing, successful home closings, and all the important details that you need to know in today’s complex real estate climate.<br /><br />I feel humbled and appreciative that year after year, I am able to be apart of such an important part of our families lives….their home!<br /><br />On the first day of January 2011, we are lucky to have 365 days of opportunity to help! The reason The Grant Hickman Team exists at all is because of you–our families who trust us, rely on us and share an enthusiasm for my business. For this, and your loyalty, from myself and my entire team…THANK YOU.<br /><br /><br />Sincerely, your Realtor,<br /><br />-Grant HickmanUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-6836833039019207792.post-27527245451290638352010-12-16T10:52:00.002-06:002010-12-16T10:59:46.655-06:00Driving During Bad WeatherLiving in the Midwest has brought us from warm weather and sunny skies, to cold winds and snow covered streets in a drastic way this year. With the weather changing so rapidly, our friends over at <a href="http://www.marquitzmotors.com/" target="_blank">Marquitz Buick, Cadillac, GMC</a> in Troy, Missouri want to provide you with some tips for driving in the snow and ice. The best tip available for driving in bad weather is to not drive at all. Although, it is understandable that not driving is the safest way to avoid accidents, it is not realistic and sometimes a trip to the grocery store is necessary.<br /><br /><b>Driving safely on icy roads</b><br /><br /><ol><li>Decrease your speed, and leave plenty of room to stop. You should allow at least three times more space between your vehicle, and the one in front of you.</li><li>Brake with slight pressure, and release the brake if you detect slippage.</li><li>Drive with your headlights on.</li><li>Remove snow, and any road grime from headlights and windshield.</li><li>Ice patches can be found in several spots even with temperatures above freezing. Be careful when driving on roads that are not traveled often.</li></ol><br /><b>If your wheels skid</b><br /><br /><ol><li>Take your foot off the gas pedal, and steer in the direction the vehicle is traveling. If the vehicle is sliding right, steer right. You may have to steer left and right a few times in order to get the vehicle completely under control.</li><li>Most vehicles come standard with Anti-Lock Brakes (ABS), and you will need to put steady pressure on the pedal to help reduce the skid.</li></ol><br /><b>If you get stuck</b><br /><br /><ol><li>Always travel with a cell phone in order to call for help if necessary.</li><li>Do not spin your wheels as this will dig the vehicle in deeper.</li><li>Try to clear the snow in front of the tires with either a shovel, or by turning the tires from side to side.</li><li>Place kitty litter, gravel, or salt in front of your tires to help gain traction.</li><li>Attempt to rock the vehicle back and forth. Check the owner’s manual first before attempting.</li></ol><br /><br />More information can be found at <a href="http://weather.com/" target="_blank">Weather.com</a>, with the National Safety Council, the New York Department of Motor Vehicles, and the Washington State Government Information & Services.Unknownnoreply@blogger.com0