Tuesday, October 25, 2011

How to secure your home during a foreclosure | ksl.com

SALT LAKE CITY — A vacant home is a tempting target for all sorts of criminal activities, like vandalism and even illegal drug operations. Take a look at a few statistics regarding bankruptcies and foreclosures: According to the United States Bankruptcy Court, bankruptcy filings in Utah have increased 7 percent so far this year, even though the national rate has fallen 10 percent.

Although Utah’s rate of foreclosure filings during the third quarter of 2011 dropped from the second quarter, the state is still ranked among the nation’s Top 10 for rate of default filings in that time period.

As people foreclose on their homes, neighborhoods deal with the increased potential for crime. When a home becomes vacant, either through a foreclosure, repossession or even when the owners leave for an extended vacation, it’s important to make sure the property remains secure.

Malicious or unintentional property damage can end up costing banks and homeowners money, and property insurance may not cover it all. Guarding against accidents and break-ins is crucial, since the homeowner is still liable for the property during the process of foreclosure. Experts recommend thoroughly securing the property and the home before moving out, and paying close attention to the details.

Before you secure your home, realize there are certain things you shouldn’t overlook. It’s also a good idea to make sure the property doesn’t look vacant. If potential vandals, thieves and trespassers believe there is still someone living at the property, they’re less likely to target the home.

Here are some tips to consider:


  • Lock up — All it takes is one window left unlocked, and the insurance company could deny any potential claim. Check all the entrances to your home — and then check them again.
  • Winterize — Before a home is left vacant for any length of time, shut the water off at the main valve. You should also drain the water from the plumbing systems, and push the leftover water out with compressed air. Even a small leak can lead to a big problem, potentially costing tens of thousands of dollars in damage.
  • Maintain the property —
    Quick Look
    Keeping your foreclosure safe
    • Lock up
    • Winterize
    • Maintain the property
    • Ask for help
    • Unplug
    • Test and retest

    Property preservation companies offer services to give a vacant property a “lived in” look. They’ll maintain the yard, pick up mail and newspapers, shovel snow from the driveway, and remove debris. Companies like these offer services to homeowners and banks, so a vacant property can be maintained indefinitely.

  • Ask for help — Former neighbors and friends can lend a hand with maintaining the property when it becomes vacant. Ask them to occasionally check up on the home or lot, and check for leaks, turn the blinds and monitor for trespassers.
  • Unplug — An appliance that is set to “off” still draws a little power, so make sure everything inside the home and garage is unplugged. Before the electricity to the home gets shut off, pulling the plug can ensure a potential fire doesn’t start.
  • Test and retest — Smoke and carbon monoxide detectors, as well as security alarms, should all be functioning properly. Make sure there are fresh batteries in the units, and test them before vacating the property.
“While foreclosure activity in September and the third quarter continued to register well below levels from a year ago, there is evidence that this temporary downward trend is about to change direction, with foreclosure activity slowly beginning to ramp back up,” says James Saccacio, chief executive officer of RealtyTrac. Even though going through a foreclosure is a stressful time, ensuring your property and home are secure can save a lot of headaches in the future.


Staging a Home For Sale During The Holidays

While the holidays are a favorite time of year for millions, it’s definitely not their favorite time to buy a home. The housing market plunges between the months of November and January as people put turkey dinners, tinsel and trees on the top of their lists and house hunting on the bottom. However, if you really need to sell during the holiday season, it does have a few advantages: shoppers are typically more serious and the competition is calmer. If you are committed to putting your house for sale at this most wonderful time of the year, consider these tips:

  1. Decorate your home festively, but don’t go overboard and cover up important features. Also, put treats out for buyers and crank up the heat for a cozy winter escape.
  2. Post top-quality photos and videos of your house on the web. Many buyers do their shopping from the warmth of their homes when the weather is bitter.
  3. Make sure your curb appeal is striking! Keep fallen leaves raked and snow neatly groomed.
  4. Get yourself a reliable real estate agent and seek out serious buyers such as work re-locators.
  5. As always, price to sell!!

Love what came today I have a very excited girl....Greenbay ticketsya buddy


Sent from Samsung mobile

6 Days to Halloween in Utah - South Ogdens The Ghouls and Goblins Festival

Ghouls & Goblins Festival

Down-town area businesses are hosting the First Annual Ghouls & Goblins Festival!



The Ghouls and Goblins Festival, starting Monday, is spread along Washington Boulevard between 39th and 40th streets.

Burch Creek Mercantile, at 3920 Washington Blvd., is selling pumpkin and licorice-flavored ice cream cones from 5 p.m. to 8 p.m. Monday. On Tuesday, from 5 p.m. to 7 p.m., the shop hosts a Halloween-themed dinner; $7 tickets must be purchased in advance.

Free fun starts at 5 p.m. Wednesday, and continues until 8 p.m., when Burch Creek Mercantile holds a dance for seniors and Preschool Express (3940 Washington Blvd.) hosts a make-it-and-take-it craft time for kids. A free family game night will be 5 p.m. to 8 p.m. Thursday, at the mercantile, while The Look Salon, 443 39th St., offers free face painting.

Burch Creek Mercantile is also headquarters for a costume contest from 5 p.m. to 8 p.m. Oct. 28. Fresh Market serves up fresh chili, 5 p.m. to 8 p.m. that same night, in the Bank of Utah parking lot at 40th and Washington Boulevard; the cost is $1.

A Spook Alley, behind Tony’s Pizza, at 403 39th St., will be scaring visitors from 6 p.m. to 10 p.m. Oct. 28. Admission is a donation of one can of food for charity. Donations will be accepted starting Oct. 24, at the Bank of Utah.

A dance contest, from 5 p.m. to 8 p.m. Oct. 29 at Burch Creek Mercantile, features the songs “Thriller,” “Monster Mash” and “Ghost Busters.”

For more information, call 801-605-3384 or visit the South Ogden City website, www.southogdencity.com.