'News You Can Use...' from Dennis January 2008
(607) 227-6422 dennis.mogil.realtor@gmail.com dennismogil.howardhanna.com
Beyond Price: Deal Breakers
By Stephanie Tallman Smith
Everyone has that one item that is non-negotiable and if the house they are considering lacks it, they will not budge. The sellers could be practically giving the house away but if it doesn't come with that one special feature, they can forget about landing that particular buyer. For some it could be a swimming pool, while others would buy a house with only one bathroom before they would consider buying one without a fireplace... Read More
How to Use Stencils
By Mary Ward
Stencils have long been popular elements in home décor, and with good reason. They are easy to use, have great looking results, are inexpensive, and easily changed with a fresh coat of paint. Here are the basics of wall stenciling:


• Prepare the base coat first. A fresh coat is best, but at any rate, make sure the surface is clean.

• Choose stencils from pre-cut... Read More
How to Create a Perfect Dining Room
By ARA
Here are a few simple tips to redecorate your dining room from the designers at Arhaus Furniture:

Have a Seat - Gone are the days of matching "sets" of furniture. For same seating and a more glamorous look, try a retro-modern style. The perfect example from Arhaus is appropriately called Grace - with a classic empire silhouette and softly padded seat.

Shapes and Sizes: Dining Tables - Dining tables are available in a variety of shapes and sizes. Take your room and how many guests you typically serve into consideration when picking the table that is perfect for you.

Trends: Materials and Finishes - Natural, rustic finishes are the rage, such as honey tones like natural or light oak. The use of white paint and even driftwood-toned stain is replacing many of the deep, dark shades. For more tips on "dining décor," visit the Arhaus Furniture Web site at arhaus.com.
Gathering Mortgage Documents
By B. Conrad
It is a good idea for anyone considering the purchase of a home to gather the documents they may need and keep them in a safe place. In some cases the documents needed may already be available as part of your tax preparation paperwork, but in other cases it is necessary to gather additional information not included on the tax return.

The documents lenders will most likely ask to see are:

• W2 forms for the past two years.

• Federal income tax returns for the past two years... Read More
What Your Homeowners Insurance Doesn't Cover
By Angela Baca
According to the Insurance Information Institute, standard homeowner policies do not include certain types of insurance coverage. If you have a Homeowners-3 (HO-3) policy (which is the most common type of policy in the U.S.), then your home is not covered for floods, earthquakes, and water seepage. If you live in areas where these types of events as well as hurricane wind damage are possible, you should purchase additional insurance coverage for your home.

It is also important to purchase high enough limits for each type of basic insurance coverage and each type of additional coverage. For example, if you purchase flood insurance but choose a very low limit, you could be left with thousands of dollars of unpaid damages after a flood destroys your home.

When purchasing insurance, you have to balance the need to adequately insure your home against potential losses with the need to purchase an affordable premium. This process... Read More
Dennis H. Mogil  -  (607) 227-6422 'News You Can Use...' from Dennis  -  January 2008 

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Dennis H. Mogil, Howard Hanna Real Estate Services (formerly RealtyUSA), The Mary Stoe Team 2333 N. Triphammer Road, Ithaca NY 14850
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The material in this publication is provided for your informational purpose only and is not intended to substitute professional advice.
If your property is currently listed with a Real Estate Broker, this publication is not intended as a solicitation.
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