When I was about 3 or 4, I drowned.

Most drownings are preventable. If you spend any time around water recreationally, please keep reading!

Obviously, I lived, but here is what happened; we were having friends over for a family BBQ and someone put my pool float on me incorrectly (they don’t even make that type anymore, probably for this reason) and I started to go under. Someone was watching me, and I got scooped up. It’s one of my earliest memories. This incident went much better than it may have. They don’t all end well. A couple of years later, we had friends who lost their 4-year-old daughter at the ocean.

Its summer, now, and we all know what that means – hot weather and relaxing in the swimming pool or at the lake, river or ocean to escape the heat and still be outdoors. However, water safety is a must for all, especially if you have children.

That is why I am giving out FREE Water Watcher cards on a lanyard. These cards are a clear reminder of what our responsibilities are and who is responsible at any given moment. Quite simply, whoever is wearing the lanyard agrees to be responsible to keep their eyes on the water without distraction. If there are several adults around, (maybe a BBQ with friends) the Water Watcher card can be passed every 15 minutes or so to another adult that will be responsible to actually watch the kids in the water.

When you have a backyard pool, if you have small children, you should also install a separate fence around the pool that surrounds all sides of the pool and be at least four feet tall. The opening gate to the pool should be self-closing and self-latching. The Health District in Las Vegas also advises putting an alarm on the gate.

It’s wise to take a class in what to do in an emergency – learn CPR and water rescue skills – this can help in saving a life. If you have children I strongly suggest enrolling them in swimming classes. As the saying goes, “an ounce of prevention is worth more than a pound of cure”. When I was 16-20, I was a lifeguard in the summer at camps and I am currently CPR certified. I’m not trying to brag, I’m telling you this is an important subject to me, because I don’t want to read about your little one.

The Water Watcher is not only for a backyard pool. Be a Water Watcher whenever your family is having water fun.

If you have toddlers in the home, make sure all bathtubs are empty of water – did you know a baby can drown in an inch of water? Also get into the habit of putting all toilet seats down so curious toddlers do not get into them.

Water safety also means dealing with monsoon rains and if you are taking out a boat on Lake Mead – those topics are for another blog.

Please contact me anytime for a FREE Water Watcher card and take care of what is most precious in the world – our children.

Do you have a need for commercial / industrial / retail space? Are you ready to buy or sell a home? We can help you with that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day…..Jeff

Search Las Vegas Luxury Foreclosures?

Well, it had to happen, sooner, or later.  People with money aren’t just investing in Las Vegas, now they want second (or third or fourth) homes at bargain prices.  So, Luxury Realty Group, LLC has announced in a press release their new web site;
www.LuxuryVegasForeclosures.com

Now, finding luxury short sales and foreclosures for homes or high rise condos in Las Vegas is easier.

LuxuryVegasForeclosures.com provides pre-defined searches by high rise tower which is a first to be offered by a Las Vegas real estate brokerage.

LuxuryVegasForeclosures.com provides pre-defined searches for Las Vegas luxury homes and luxury high rise condos. For the high rise condos, specific short sale and foreclosure targeted searches are pre-defined by high rise tower.

The creator of this new website, Bruce Hiatt, broker-owner of Luxury Realty Group, said, “We are the first real estate brokerage in the Las Vegas area to offer a luxury short sale and foreclosure real estate targeted website. We know from feedback of users who participated in our beta version of the website that pre-defined searches were difficult to find on Las Vegas real estate websites.  We believe we’ve filled a niche missing in our market until the arrival of LuxuryVegasForeclosures.com.”

Luxury Realty Group has already closed transactions in 2009 for both short sale and foreclosure luxury properties. Such transactions are expected to increase in 2009 with more of luxury real estate moving into short sale and foreclosure status in Las Vegas.

Some of you may be comforted to know that it is not just the average Joe that is losing his home to foreclosure.

What if you want Las Vegas real estate bargains, but, aren’t looking for luxury? Contact me.

www.CapeCodAREI.com/contact

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Loan modification really makes sense, but don’t do it on your own.

What is loan modification?  In its simplest form, loan modification is when your lender modifies the terms of your loan. They can defer amounts that are past due, change the interest rate, even reduce the principal owed.

The most common element being modified at the moment is taking past due payments and putting them ‘on the end’ of the loan, so that you still owe the money, but your loan is considered current.  This happened with a friend of mine.  She had lost her job, and gotten about 4 months behind in her house payments.  When she got back to work, her bank offered her the opportunity to take the 4 months payments, and defer them, which brought her current.  Many homeowners are doing this kind of modification on their own.

Why are they doing that?  Because they are nice?  Of course not!  It’s a business decision.  They are not in the business of owning real estate, yet they own quite a bit of it and they really don’t want anymore.  So if you make enough money to pay a lower mortgage, they lose less money in the long run.

The next element I have seen modified is the interest rate.  If your interest rate has adjusted (or is going to soon), lenders are helping people stay in their homes by offering a reduced and fixed interest rate. If your rate was 5 1/2, and has spiked to 8 for example, many lenders are bringing that rate down to 5.  Some people I know have been successful at this on their own, by simply calling and asking, but only if they are already behind.

A less common type of modification is to get the amount owed reduced.  This I have only seen done by professional loan modification firms.  Companies that do this for you.

There is an attorney here in Las Vegas, helping homeowners (and there are many companies – just check the internet).  He is asking the bank for a principal reduction to 10% below the current value of the property and 4% – 6% interest rates, fixed. In other words, if you currently owe $300,000, and are paying 8%, but your house is only worth $250,000 – after the modification you are only paying 4% – 6% on a principal balance of $225,000. Of course there are many factors involved in your final outcome – not the least of which is that you have to be able to prove that you can afford the new payment, so that the bank is not wasting their time stalling the inevitable.

Here is the best part! He only charges $1,250 and if he can’t modify your loan, you don’t pay!  Oh yeah, did I forget to mention that they do not pull credit? You do not have to have good credit to get the modification.  Sometimes you don’t even have to be behind! (depends on the lender)

Think about it. If he reduces your monthly payment by $200 per month, in 7 months, you are ahead – even if he did not reduce your principal!  If you are interested, let me know.  www.CapeCodAREI.com/contact

What if you just don’t have the $1,250?  Drop me a line, let me see if I can help.  www.CapeCodAREI.com/contact

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Make your log-ins MORE secure, while spending LESS time on them.

Anytime you can be more efficient, you’re better off, right?

As I was logging into WordPress to blog from a different computer today, I was struck by how much I love my little password tool.  Now, Internet Explorer will remember your usernames and passwords, but there have been so many security issues with IE over the years, I would never trust it with my private information.  I have several online accounts that have a log-in, as do most people.  Of course there are passwords I would never care if anyone learned (like sidestep.com or driver.com – great resources), but there are also passwords that are critical to me, (like my bank account and my dubli.com account).

And I know people who consistently use the SAME username and password everywhere they go on the internet. Are you one of those people?  Think about it, if you are, and someone knows ONE of your log-ins, then, they know ALL of your log-ins. 

In any case, almost a year ago, a friend told me about a VERY secure little tool called Roboform that resides on your computer, and remembers all of your passwords for you.  For your really important accounts, it can generate super secure passwords for you. If you’re like me, you’ve always stayed away from those because they were too hard to remember.

So how does Roboform help you when you are on a different computer?  There is a portable version that resides on your portable USB or U3 flash drive (often called a jump drive). Like the PC version, it can only be accessed with a master password, so it is secure, even if it is lost or stolen.  With all of my online accounts, and all of my DIFFERENT log-ins, I’ll bet this software saves me 2-3 hours per week, and increases the security of my online accounts.  To check it out for yourself, visit
www.MyFastEasyPasswords.com.  Roboform is even trusted by the Better Business Bureau.  I bet you’re going to tell all of your friends about it.  It’s just that great!

Now, back to the people who use the same log-ins (or even very similar ones) for all of your online accounts, I want you to make changes NOW (please). Identity theft is a very real problem, and I don’t want you to be the next victim. 

So, here is what I want you to do. 

 

  1. Go to MyFastEasyPasswords.com then download and install the software.  Use it free for 30 days.
  2. Go to an important web site that you use
  3. Log-in (Roboform will ask you if you want it to remember – go ahead and say yes)
  4. Change your password
  5. Write the new password down
  6. Log out
  7. Log back in with the new password
  8. Overwrite the old password with the new password in Roboform
  9. Go back to step #2 until you’re can’t remember any others

Have more than one log-in on a particular site?  For example, I have a business log-in and a personal log-in for my banking. When you save the log-in, you get the opportunity to name it.  Roboform offers you a name, based on the Title of the web page you are logging in on.  If it offers you ‘ABC Bank’, simply name it ‘ABC Bank – Personal’ 

Enough on that. ‘See’ you tomorrow!

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