Selling home on your

Alaska Journal of Commerce: Selling home on your own can prove costly 04/22/02 [an error occurred while processing this directive] [an error occurred while processing this directive] Home Focus In this Issue Calendar Bulletin Board Movers & Shakers Business History Archive Around the World Legals Viewpoint Profile Cartoons Contact Us Advertise with us Subscribe About Us Classified ADs Oil & Gas Special Sections Wealthbuilders Fish Factor Travel Insight Property Wise Tech Watch Law Page Philanthropy Health Book of Lists -5° 17° 9° 8° 27° 33° 35° 41° 44° 39° 35° Choose City Anchorage Barrow Bethel Cordova Deadhorse Denali Park Dillingham Dutch Harbor Fairbanks Galena Haines Homer Juneau Kenai Ketchikan Kodiak Kotzebue McGrath Nenana Paxson Petersburg Pribilof Islands Sitka Skagway Soldotna Talkeetna Valdez Wrangell Yakutat Email Newsletter Palm Pilot Delivery Letter to the editor Comments Locate a copy [an error occurred while processing this directive] [an error occurred while processing this directive] 042202 prop_wise 2 Alaska Journal of Commerce Late night television and local radio programming is rife with infomercials and advertisements touting how easy it is to buy and sell your houses, buildings and businesses all by yourself and save staggering amounts of money to boot. -- Web posted Monday, April 22, 2002 Selling home on your own can prove costly By Ken Jelinek For the Journal Late night television and local radio programming is rife with infomercials and advertisements touting how easy it is to buy and sell your houses, buildings and businesses all by yourself and save staggering amounts of money to boot. They can be rather insulting to those of us in the real estate industry because they attempt to make us sound unnecessary, unethical and expensive. But the fact is, you really can do it yourself successfully. Cynically speaking, however, you can also fix your own car, generate your own electricity, defend yourself in court, trade your own stocks and never visit a doctor. You could probably do your neighbor's job too. One day, when everything is perfectly computerized and digital, you probably won't need a real estate agent. But for now, for the rest of us, we need the help, and that help is going to cost us. So, before you go spiraling off in your declaration of independence, ask yourself, "If it's really so easy, then why aren't all real estate transactions conducted without an agent?" You might also ask yourself if you would want to eliminate the real estate agent and take on all of his or her responsibilities when you are already bogged down with your own life in general, and especially if you haven't done it enough to do it right or do it well? Then, listen closely to your answers because we professionals in the industry are often patching up real estate transactions gone sour behind the well-meaning do-it-yourselfers. Keep in mind that I'm referring to all professionals in the industry including agents, attorneys, loan originators, title officers, processors, surveyors, tax assessors, appraisers and inspectors. But I'm referring specifically to the agent because he or she is the center in this wheel. Nationally, only three to five of every 100 home sales consists of successful "For Sale by Owner" transactions. The vast majority of those that attempt it end up hiring an agent within the first 30 days after they have realized the true cost, time and demands required for marketing and showing a home. Locally, the statistics indicate 15-17 percent of FSBOs are successful. While there are a lot of reasons for this, one of the main ones is that we have a robust seller's market with relatively low inventory. This can be quite tempting for sellers to strike out on their own because it looks easier than it is. But even the owners that sell their own homes usually sell to a buyer who has an agent paid for by the seller. The truth is that the vast majority of all real estate transactions are completed with agents involved on at least one side of the sale, and for this reason, most transactions go very smoothly. But sometimes they don't. One recent seller took the advice of a local FSBO program on pricing his home. Several programs will give you limited service for a set fee. He put an ad in the paper and sold it within three days. When the appraisal report came back he learned that he priced his home too low but was still committed to that price. Sure, he might have saved 6 or 7 percent in brokerage fees but he lost a lot more than that to the happy buyer because his FSBO consultant didn't know the market well enough. In a similar incident, a very excited couple heard of a perfect home on the market For Sale By Owner in their neighborhood. The sellers told them that they didn't want to pay any brokerage fees and proceeded to negotiate down the asking price by $9,000, which made the buyers feel special. A market analysis revealed that the starting price was already about $10,000 too high. And yet, it's going to be sold at the same market price to the buyers whether or not they have an agent paid by the seller. Recently a buyer made an offer on a duplex that was accepted with a counteroffer to increase the earnest money. Both buyer and seller agreed verbally and the only thing lacking was the buyer's signature on that change. In the meantime, the seller sold the duplex to a second buyer to get a higher price and quicker closing. He now has two accepted offers on the same property at the same time. Which party in this potential lawsuit would you like to be? Not all sellers innocently try to save money on real estate commissions. Some choose to "overlook" disclosing pertinent and sometimes legally required information to buyers because doing so might lower the final sales price or prohibit a sale indefinitely because they can't afford to fix a deficiency. How would you protect yourself without the watchful eye of an expert? Agents usually take on quite a bit of risk in marketing your house for sale or driving you around looking at homes to buy. They pay for everything up front and often don't get paid until the day it is recorded, which makes him or her, actually, quite a bargain. On the other hand, you could do it yourself. Ken Jelinek is an associate broker with RE/MAX Properties in Anchorage. He can be reached at 907-257-0196. [an error occurred while processing this directive] © 2004 The Alaska Journal of Commerce and Morris Communications Corp.

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VA Loans (Veteran's Affair Loan) contact us home Useful VA Loan Information More than 29 million veterans and service personnel are eligible to receive VA loans. The federal government recently improved the VA loan program, which makes the program even more attractive to our nation's veterans. The changes enacted in Dec. 2004 have increased the loan limit to $359,650, tied the future loan limit to a fluctuating index, and reinstated VA adjustable rate mortgages (ARMs). The VA ARMs will feature interest rate adjustments on an annual basis, which will be limited to a maximum increase or decrease of 1 percentage point. In addition, the interest rate increases are limited to a maximum of 5 percentage points over the life of the loan. The increase in the VA loan guaranty amount comes at an appropriate time for the nation's veterans. While national home prices have appreciated nearly 75 percent since 1995, the VA guaranty amount has only experienced one increase of approximately 18 percent since that time. The U.S. national average purchase price for a single-family home reached $264,540 in October 2004, according to figures released by the Federal Housing Finance Board. This figure is more than 10% over the maximum that lenders were previously willing to provide for a VA loan. With the new VA loan guaranty increase, most lenders will be willing to loan a maximum of $359,650, which indicates that more veterans will now be able to afford a home at the national average purchase price. Veteran's Affair Loan Advice If you are looking to get additional advice regarding a VA Loan, or if you want to speak with someone about prequalifying or even refinancing your home with a VA Loan, you can visit the VA Mortgage Center . They specialize in Veteran's Loans and can assist you through the entire process. They can even prequalify you online. The VA mortgage Center is not associated with the Government's Veteran's program, but they do specialize in VA Loans and can help you get the best rates and advice on your loan. You can also visit the Veteran's Affair Home Page which is the official site for Veteran's Affair Programs. This site will give you additional information regarding the loan, but will not be able to actually help you obtain or get pre-approved for a loan. However, you can find some financial forms at the Veterans Affairs Administration site. Other VA sites: Veterans can more advice on VA Loans and VA Refinances from bankrate . The site can help answer any questions you may have including interest rate questions as well as advice you on whether or not a refinance is your best option. Other sites such as Military Connections.com have some information regarding various benefits and you can find a VA Benefit List that gives Veteran's a list of benefits including information about VA Loans. The VA site also has information about the GI Bill or you can get information about Canada's Veterans Programs . Mortgages VA Loans Home Loans Debt Consolidation Refinancing Apply Now!

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Amazon.com: House on Haunted Hill(1959): Video Your Store Video See All 32 Product Categories   Your Account | Cart | Wish List | Help | advanced search | browse genres | top sellers | new & future releases | kids & family | movie showtimes | today's deals | used videos Search Amazon.com VHS Used Videos DVD DVD & VHS Movie Showtimes Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . VIDEO INFORMATION Explore This Video buying info technical information Amazon.com articles editorial reviews customer reviews RATE THIS VIDEO I dislike it I love it! 1 2 3 4 5 Edit your ratings Favorite Magazines! Subscribe to entertainment magazines today. Visit the DVD Store House of Wax DVD 28 used & new from $1.04 Have one to sell? House on Haunted Hill(1959) see larger picture Availability: Usually ships in 1-2 business days 28 used & new from $1.04 Edition: See more product details Customers who bought this video also bought: Haunted Palace (1963) / Movie VHS Diary of a Madman / Movie VHS Man Called Peter VHS Product Details Director: William Castle Format: Black & White, NTSC Rated: Unrated Studio: Warner Home Video Video Release Date: August 26, 1997 VHS Features: NTSC format ( US and Canada only. This VHS will probably NOT be viewable in other countries. Read more about VHS formats .) Black & White, NTSC From IMDb: Quotes & Trivia ASIN: 0790731576 Other Formats: VHS , VHS widescreen , DVD , DVD widescreen , DVD , DVD , DVD , DVD Average Customer Review: Based on 86 reviews. Write a review . Amazon.com Sales Rank: Today: #34,262 in Video Yesterday: #34,361 in Video Editorial Reviews Amazon.com William Castle's gimmick-laden comic thriller is not so much a horror movie as a fairground funhouse come to life. Vincent Price stars as a deliciously silky millionaire married to a greedy gold digger (Carol Ohmart) who refuses to divorce him. When he turns his wife's idea for a haunted-house party into a contest--$10,000 to whoever will spend the night in "the only truly haunted house in the world"--it seems he may have found an alternative to divorce. Five strangers gather to test their stamina, Price hands each of them delightfully twisted party favors (loaded handguns, delivered in their own tiny coffins), and the spook show begins. Blood drips from the ceiling, zombielike apparitions float through rooms, severed heads and skeletons suddenly appear, and then a guest is found hanging in the stairwell. Full of screams and things that go bump in the night, House on Haunted Hill isn't particularly scary and often makes little sense, but, like a Halloween haunted house, the spectacle of spook-show clichés is quite entertaining, and Price makes a sardonic master of ceremonies. The original theatrical presentations featured a typically outrageous Castle-engineered gimmick: Emergo, which was nothing more than a skeleton that appeared to fly out of the screen and over the audience on a guide wire. --Sean Axmaker Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 8 of 9 people found the following review helpful: Darling, the only ghoul in the house is you! , February 27, 2002 Reviewer: Gary F. Taylor "GFT" (Biloxi, MS USA)- See all my reviews William Castle liked to promote his films with gimmicks, and the gimmick for THE HOUSE ON HAUNTED HILL was Emerg-O: at the peak of the action, a glowing skeleton "emerged from the screen" and flew out over the audience on a wire. By most accounts Emerg-O caused more laughter than chills, but fortunately Castle never relied on gimmicks alone: he also liked bona fide stars, and for HAUNTED HILL his star of choice was none other than the legendary horror star Vincent Price. Like most Castle films, HAUNTED HILL's plot reworks a well-worn theme. Millionaire Price and his wife Carol Ohmart give a "haunted house party" for five strangers chosen at random and promised ten thousand dollars if they last the night. The catch: the doors lock at midnight, after which there is no escape until the caretakers return in the morning. While the story itself doesn't hold many surprises, the script is unexpectedly witty, and Price plays it in a slightly prissy, very high-camp manner with a tremendous dose of the black humor for which he was so famous--and the little known Carol Ohmart is every bit his match, snapping out memorable lines ("Darling, the only ghoul in the house is you!") in every scene. Together they elevate the film well above what you might otherwise expect, and when combined with the largely wooden supporting cast and some of the silliest this-is-supposed-to-scare-you effects imaginable the result is a cult classic with plenty of camp appeal. In addition to Price and Ohmart, the film is also surprisingly atmospheric. Shot in and around one of Frank Lloyd Wright's more famous structures, the grainy "late show" look of the film (due more to accident and age than deliberate intent) is very entertaining, the cinematic devices (everything from disembodied heads, irises, and jump-cuts) are very appealing, and the sound track (which sounds like a mix of piano bass keyes, sythesizer, and soprano vocals) is exactly what you'd want for this obvious but extremely entertaining flick. Of all the Castle films, THE HOUSE ON HAUNTED HILL is my personal favorite, and it should rate very high with fans of cult, camp, and Vincent Price. And I'll go further than that: of all his memorable appearances, I do believe this was Price's best. A great choice for both family movie night or a sophistocated Halloween howl--very recommended! Was this review helpful to you? ( Report this ) 12 of 13 people found the following review helpful: Old Price Classic is that pure fun! , October 29, 2003 Reviewer: Deborah MacGillivray (Scotland, England & US)- See all my reviews William Castle at his gimmicky best! A Classic, spooky Black and White, with deliciously devilish Vincent Price as millionaire with a bored gold-digger wife. She wants a Halloween party with her friends, Price tosses a party all right, but not with the people of her choosing. He offers $10,000 dollars to five stranger if they will join him and his wife in spending Halloween night in a truly haunted house. One of the 5 is a young Elisha Cooke, family of the former owners who died in the house, and he leads them on a murder tour. To jazz things up, Price passes out "party favors" - guns. And it's a race to find out whether Price of his wife will be the last one standing. This movie is a grandfather of nearly every clichs, blooding dripping from the ceiling, dark mysterious corridors, a witchy woman floating around and vanishing - and the topper that organ music!! This is more like a Halloween Fun house ride than a movie! Price is campy and has great fun with the role, with super lines, especially when fussing with his less than happy wife. Castle originally devised this movie with "special touches" for the audiences, like ghost on wires gloating through the audience of people in costume sitting down beside you to enhance the fun house feel. Just plain fun and a wee trip down memory lane. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 5 of 5 people found the following review helpful: Endearing Ghoulish Classic , October 13, 2005 Reviewer: hille2000 "hille2000" (USA)- See all my reviews To this day HOUSE ON HAUNTED HILL remains to be an endearing ghoulish classic. With Vincent Price and Elisha Cook Jr. at their peak in this genre piece from William Castle it is truly enjoyable to watch over and over again. This is the stuff that defines the best of this genre and also holds up when compared to any other medium. Also, this is a first rate DVD from Warner, not some inexpensive public domain print. Happy Halloween! --This text refers to the DVD edition Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: So glad I ordered this DVD , September 10, 2005 Reviewer: Autumn6420 (NYC)- See all my reviews This DVD played beautifully, no skips or pauses on any frames. It was a very clear, crisp picture. So glad I ordered this DVD, a movie memory from the past, made so easy to acquire thru this website. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: Good but could have been better , August 2, 2005 Reviewer: unknownpersn "4d" (California, LA USA)- See all my reviews The movie is good but in many parts unbelievable. Its just like Agatha Cristie's 10 Little Indians. A group of people are getting paid a big lot of money to stay in a very ODD haunted house for a night. This movie is one big block of swiss cheese because there are so many plot holes. Even with them it is still a great movie. It is a little scary but it must have been very scary in that time. Believe it or not there are BLOODY heads. Its kind of suprising for the time it was in. The ending is well.... unfinished as I said the plot holes could have been filled up. Anyways it is a great movie. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: Silly be atmoshereic , July 2, 2005 Reviewer: Russell W. Husted "allister52" (Williamsburg, Va United States)- See all my reviews I really don't know that much about Vincent Price. However,after watching this film I can see why he was a master in horror films. As the host of a Haunted House party,Price lends that wickedly funny humor you find in individuals who tortuously tease others when frightened. He seems to actually believe or trys to make others believe in ghosts. Actually,the plot reads more like an Alfred Hitchkock movie then anything else. I think there could have been more ghostly apparitions,but so be it. Other then Carolyn Craig and Elisha Cook,the rest of the supporting cast isn't really much fun. But overall,a fun movie and one that with witty dialogue will make you watch again. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) See all 86 customer reviews... Auctions and zShops sellers and our other stores recommend "Pit and the Pendulum" 1961 original U.S. 11x14 lobby card set (Price: $250.00) House on Haunted Hill Movie Poster (Price: $13.00) So You'd Like To... watch 3D movies at home or work :by Andrew Woods , 3D Engineer Give Dad DVD's, Huh? :by redhare , Amateur Movie Critic watch the 15 scariest movies ever :by jtowne , Horror Movie Junkie Listmania! William Castle master showman and his gimmicks :A list by Bryan Dawkins , Bohemian Arthouse Bum The Price Is Right! :A list by Mike Vegas King , A Vincent Price Fan My Favorite Horror Films :A list by Themistocleia , Movie Lover Browse for VIDEO in: VHS > Directors > ( C ) > Castle, William VHS > Genres > Horror > General VHS > Genres > Horror > Things That Go Bump > Ghosts VHS > Genres > Horror > Classic Horror & Monsters > General VHS > Genres > Horror > By Theme > Haunted House VHS > Genres > Horror > By Theme > Gothic VHS > Genres > Horror > Horror Masters > William Castle • I have seen this video, and I want to review it. • tell a friend about this item . • Write a So You'd Like to... guide . • Check Purchase Circles . For more information about "House on Haunted Hill," visit the Internet Movie Database (IMDb) Suggestion Box Your comments can help make our site better for everyone. 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