Robert S. Soltz CRS, GRI, CBR, RECS
Sagan REALTORS ® | 781-479-0852 | bob@ownproperty.com


Posted by Robert S. Soltz CRS, GRI, CBR, RECS on 9/19/2017


357.5 Lafayette St., Salem, MA 01970

Single-Family

$474,900
Price

8
Rooms
4
Beds
3/1
Full/Half Baths
BEST KEPT SECRET IN TOWN - Nestled back from road. This 8 room center entrance colonial boasts 4-5 bedrooms, 3 1/2 baths, high ceilings, possible first floor home office/den or 5th bedroom with full bath, replacement windows, hardwood floors, security system, slate roof, deck, fenced in yard. Near Osgood Park in beautiful South Salem/Forest river area. This home has Beach Rights (association membership required) to private beachfront which offers dock, moorings, swimming, picnics and more. Directly across from Salem State University and near Historic downtown Salem with numerous restaurants, world famous Peabody Essex Museum, public transportation and the "T" to Boston. OPEN HOUSE SUNDAY SEPT. 24 11:30 -1:00.
Open House
Sunday
September 24 at 11:30 AM to 1:00 PM
Please park on Lafayette St. or Savoy Road. Do not park in driveway!
Cannot make the Open Houses?
Location: 357.5 Lafayette St., Salem, MA 01970    Get Directions






Categories: Open House  


Posted by Robert S. Soltz CRS, GRI, CBR, RECS on 9/18/2017

There's no better way to put a damper on summer fun than by being swarmed by biting mosquitos. Science has worked tirelessly to find ways to keep the bugs away, ranging from the invention of DEET during World War II up to the latest trend of ultrasonic mosquito repellants. In this article, we'll cover the best forms of keeping the mosquitos at bay and the ways that are all hype. But first, let's learn a bit more about what we're up against.

Know thy enemy

Mosquitos typically feed on nectar and juices from plants and flowers. However, the females often feed on blood to acquire proteins for producing eggs. When these mosquitos are on the hunt, they can smell an animal (like us) from up to 50 meters away, according to WebMD. Since they are attracted to fruity, sweet smells, avoiding certain body sprays will help make you less of a target. Since mosquitos can't pierce through thick clothing, it's also important to wear pants and long sleeves if you're going to be outside for an extended period of time. Mosquitos are attracted to some people more than others based on factors like blood type (they prefer type O), whether they are heavy breathers, and those producing a lot of body heat. Similarly, your genetics may play a role in how likely a mosquito is to snack on you instead of your other friends around the campfire.

What doesn't work

I mentioned that there has been a lot of scientific advancements around repelling mosquitos. There has also been a lot of junk science and folklore that have misinformed people or led them to buy ineffective products. Here are the products to avoid:
  • ultrasonic repellants - These noise-makers claim to repel mosquitos by mimicking the sound of bats, or by copying the noises of male mosquitos that the females are trying to avoid.  However, there is no evidence that the ultrasonic systems work at repelling mosquitos.
  • smartphone apps - With the technology as ultrasonic systems, there are many apps that claim keeping them open on your phone will keep mosquitos away. But they too have been shown to be ineffective.
  • herbal concoctions - With a few exceptions, most recipes you'll find online for deterring mosquitos will be ineffective or have negligible results. For one plant-based repellant that has been effective, see below.
  • wristbands - Though some clip-on belts that spray repellant into the air have shown to be effective, wristbands that don't disperse repellant won't do much to keep the mosquitos away

What does

Now that you can spot the gimmicks, here are the best mosquito repellants:
  1. DEET - Since WWII, the most effective spray form repellant has been DEET. Products containing 30% DEET have been shown to keep mosquitos at bay for up to 8 hours if applied directly to the skin. There are, however, valid health concerns that arise from the use of DEET.
  2. Lemon Eucalyptus - The best "natural" mosquito repellants contain high amounts of lemon eucalyptus. The benefit is that you can apply this to your skin often without worrying about health concerns, just don't put it anywhere near your eyes because it is an eye irritant.
  3. Picaridin - One of the new chemical alternatives to DEET, Picaridin, has been shown to be as effective and more pleasant due to it's odorless properties.





Posted by Robert S. Soltz CRS, GRI, CBR, RECS on 9/11/2017

Once you have found the home that you want to live in, put in the offer, and start the process of closing on a home, you may feel like you’re “home free.” The hard part may technically be over, but there’s one more important thing that you need to think about before you get the keys to your place: Closing costs. 

A few days before you head to sign all of your paperwork to close on the home, your lender will send you a detailed report of different closing costs that you need to pay upon the settlement of the property. 


Closing Costs Defined


Closing costs are what you pay to the lender and third parties. These are due at the time of closing on the property and must be paid up front. You should estimate that your closing costs will be between 2 and 5 percent of the purchase price of the home.


Everything Included In Closing Costs


Closing costs cover both one-time and recurring fees that are a part of your home purchase. The one-time fees are things that are generally associated with buying the home. These would include attorneys fees, lender fees, home inspection fees, document prep fees, underwriting fees, credit report fees, and realtor fees. You’ll also need a bank issued check for your down payment at this time.  


At closing, an escrow account will be set up. This is like a forced savings account that will be drawn from to cover things like taxes, insurance, loan interest, and title insurance. These are all very important costs that are a part of buying a home.     


Do Your Homework Ahead Of Time


The best way to deal with closing costs is to be prepared ahead of time. Talk to your lender in order to get an estimate of the closing costs. From there, you’ll need to decide if you need to finance your closing costs or simply pay them up front. There are advantages to both approaches. Sometimes, lenders will look at you as less favorable if you need to finance all of your closing costs. It all depends on the terms of your loan. This is why research is vital.


Compare Rates And Lenders


It’s important not to go with the first lender you talk to. Get some recommendations from your realtor and friends to see who might be a good fit for you. Every lender specializes in something different, so you want to be sure that who you chose is a good fit for you. 


The most important thing that you can do with closing costs and the financing of your home is to get educated!     





Tags: Buying a home  
Categories: Uncategorized  


Posted by Robert S. Soltz CRS, GRI, CBR, RECS on 9/8/2017

BEST KEPT SECRET IN TOWN - Nestled back from road. This 8 room center entrance colonial boasts 4-5 bedrooms, 3 1/2 baths, high ceilings, possible first floor home office/den or 5th bedroom with full bath, replacement windows, hardwood floors, security system, slate roof, deck, fenced in yard. Near Osgood Park in beautiful South Salem/Forest river area. This home has Beach Rights (association membership required) to private beachfront which offers dock, moorings, swimming, picnics and more. Directly across from Salem State University and near Historic downtown Salem with numerous restaurants, world famous Peabody Essex Museum, public transportation and the "T" to Boston. SHOWINGS START AT OPEN HOUSE Sunday, Sept.10 11:30am-1:00pm. ALL OFFERS HELD UNTIL Tues. Sept.12, 5:00pm. All replies by Wed. Sept.13, 5:00pm.

More Info on this Property | New Listing Alerts




Categories: Uncategorized  


Posted by Robert S. Soltz CRS, GRI, CBR, RECS on 9/7/2017


357.5 Lafayette St., Salem, MA 01970

Single-Family

$474,900
Price

8
Rooms
4
Beds
3/1
Full/Half Baths
BEST KEPT SECRET IN TOWN - Nestled back from road. This 8 room center entrance colonial boasts 4-5 bedrooms, 3 1/2 baths, high ceilings, possible first floor home office/den or 5th bedroom with full bath, replacement windows, hardwood floors, security system, slate roof, deck, fenced in yard. Near Osgood Park in beautiful South Salem/Forest river area. This home has Deeded Beach Rights to private beachfront which offers dock, moorings, swimming, picnics and more. Directly across from Salem State University and near Historic downtown Salem with numerous restaurants, world famous Peabody Essex Museum, public transportation and the "T" to Boston. SHOWINGS START AT OPEN HOUSE Sunday, Sept.10 11:30am-1:00pm. ALL OFFERS HELD UNTIL Tues. Sept.12, 5:00pm. All replies by Wed. Sept.13, 5:00pm.
Open House
Sunday
September 10 at 11:30 AM to 1:00 PM
Cannot make the Open Houses?
Location: 357.5 Lafayette St., Salem, MA 01970    Get Directions

Similar Properties





Categories: Open House  




Robert S. Soltz CRS, GRI, CBR, RECS