“Plenty of people miss their share of happiness, not because they never found it, but because they didn’t stop to enjoy it.”
William Feather
1889-1981, Writer
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Edmonds $224,950
Do you know that its a buyers market properties in Edmonds, and other areas of South Snohomish Co. are at an all time low! Don’t try and fine the bottom because you won’t you won’t know until its to late or interest rates go up. What’s a buyers market? Edmonds real estate
Edmonds Fixer $199,950
“There are no such things as limits to growth, because there are no limits on the human capacity for intelligence, imagination, and wonder.”
Ronald Reagan
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Short-Sale’s are our hot spot Snohomish Co
“Man often becomes what he believes himself to be. If I keep on saying to myself that I cannot do a certain thing, it is possible that I may end by really becoming incapable of doing it. On the contrary, if I shall have the belief that I can do it. I shall surely acquire the capacity to do it, even if I may not have it at the beginning.”
Mahatma Gandh
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Hey Edmonds just a heads up if your in a position we refer to as under water, which simply means that your upside down in your mortgage . You may find that you can not continue making payments and want to sell. Well this would be a short-sale where you owe more than the property is worth. Options are obviously the short-sale, foreclosure, or bankruptcy. Its very important that you look at all your options carefully and better yet be sure that whom every your discussing this subject with knows what there talking about. Here’s where a competent real estate agent comes in I know that it takes good negotiations to complete a short-sale. We have partnered we the Galvin Law Group to help our clients through this difficult process. The Galvin Group have great relations with several of the major banks in our area and the price is right! There is know reason to bury this and think that it will just go away it won’t. Give us a call we’ll help you make the best decision for you!
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Most of you know that this is still a buyers market and interest rates are great. Will the market of homes will increase in 2011 and prices still will be great! You must decide if your a leader or a follower. Here are some current listings in the Edmonds area. Edmonds average price is currently under $300,000 or lower depending on if its a short-sale or bank owned property. Either way money talks and everything else walks. I might add if you are under water or as we say upside down in your property, or if you know of some who is. We work with a real estate law group that will safely help you make the right decisions. So if your in a position and need some counseling ,contact ^the Cobbin Group and we will set your mind at ease. Every one deserves peace of mind.
Current listings in the area.
Edmonds Fixer $189,950
EDMONDS VIEW $850,000
EDMONDS VIEW PRICELESS PRIVATE TOUR
Why Is This Person in My Life?
Many people believe that the Law of Attraction says that if someone shows up in their lives, it’s because they attracted that person. I know that when I’m in a lousy mood and I get into my car, it sure seems that every bad driver and tailgater in the vicinity is in my lane. I’m irritated, they’re aggressive, and we are all resonating together. If you could “hear” our vibration, it would sound like a head-banging, heavy-metal rock song called “Get Out of My Way!”
But on that same road there are drivers who are tuned in to a different frequency. They’ve got “Take It Easy” playing on the car stereo. They’re smiling as all the angry drivers zip through the lanes and wear out their accelerators. These travelers let the others pass and give them no energy or attention.
The Law of Attraction has been misinterpreted by some to mean that we are actually acting as magnets, drawing in and repelling people and situations that perfectly match up with our vibration. This is a mechanistic view of how attraction and resonance works.
Like attracts like, so you will notice, approach, and interact with those you feel a connection to. However, you’re not personally responsible for everyone who is on the freeway today just because you chose to go for a drive. You, like everyone else, will always be surrounded by people who are angry and intense, and others who are calmly enjoying the ride. The Law of Attraction simply ensures that you’ll notice those vibrating at your level and overlook everyone else. So which song are you going to tune in to?
Colette Baron-Reid
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Ways to Improve a Credit Score 
With identity theft on the rise, consumers are becoming increasingly aware of the importance of reviewing their credit reports. However, their thoughts about credit and its long-term impact upon their financial future typically end there until it’s time to apply for a home loan. A credit score is used to evaluate how likely a borrower is to repay their loan. There are several actions a person can take to impact their score. Here are a few to keep in mind.
If someone has a credit card which has a high balance, while their remaining credit cards have low or zero balances, it’s best to distribute the debt across the cards in order to change the ratio of debt to available credit.
Many consumers believe that they should close an existing credit card account if the card is inactive. It’s better to keep the account open and use it periodically in order to take advantage of its contribution to their long-term credit history.
With the flood of credit card offers that come in the mail, it may be tempting to open new accounts. However, these “pre-approved” offers are not approved until the companies run a credit report which will temporarily impact the applicant’s credit score. In addition, experts recommend that a person maintain between two to five credit card accounts, total, so it’s best to avoid accumulating too many.
There are several factors that contribute to a credit score. But by observing the tips above, as well as making payments on time and keeping balances as low as possible, a consumer is sure to achieve superior result. This message brought you by ^the Cobbin Group your Edmonds Realtors
Michelle Swanson
Mortgage Consultant
Canyon Park Mortgage
Water damage accounted for about one-fifth of all insurance claims in 2007, says the Insurance Information Institute, with an average amount of $5,531. But think twice before submitting a water-related claim, which insurers say may reflect poor home maintenance and better odds that you’ll eventually file even bigger claims for mold-related expenses.
Depending on your insurer, filing two water-related claims within a five-year period could earn you a premium hike at renewal time or get you dropped altogether. It could also make it harder to find a new policy because all insurers consult a giant database called the Comprehensive Loss Underwriting Exchange, or CLUE, which records all claims against a property over a seven-year period. It might be cheaper to write a check from your emergency fund or take a small loan.
Some water claims aren’t covered, anyway. Homeowners and renters insurance policies typically cover damage from water that comes from the top down, such as rainfall, a burst pipe or an ice dam. But most policies don’t cover rising water from any source, including a drain or sewer backup. A rider to cover a sewer backup will cost about $50 annually. If a water problem is covered, your insurer will probably pay for you to hire a restoration company.
If you’re in an area at risk for flooding, you may need flood insurance. The average policy costs $540 a year, according to the federal government’s National Flood Insurance Program.
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“Perhaps the most valuable result of all education is the ability to make yourself do the thing you have to do, when it ought to be done, whether you like it or not; it is the first lesson that ought to be learned; and however early a man’s training begins, it is probably the last lesson that he learns thoroughly.”
Thomas H. Huxley
1825-1895, Biologist
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