Growing career field provides vital support to businesses

Communication is the backbone of all businesses - regardless of size or industry. In the modern business environment, the ability to transmit and store information is vital to productivity - and thus, success. But no communication system runs itself - it's the people behind the scenes who ensure that a business thrives. This means huge career potential for individuals who can design, implement, secure and manage communication networks and keep them running smoothly.

This widespread demand is one of the reasons CNN.com listed database administrators and systems administrators among its "Best Jobs in America for Fast Growth." Candidates for these positions are expected to have an educational background in network and communications management or similar subjects.

Bachelor's degree programs in network and communications management prepare students for maintaining network security and system efficiency, as well as designing computer communications systems.

Students of the Network and Communications Management bachelor's degree program at DeVry University, for example, learn skills in Ethernet-enabled voice-operated IP systems, security firewalls and next-generation network administration. Courses review wireless communications, advanced topics in networking and network security, preparing students with working knowledge to solve any business communications issues.

Such a degree could open doors to a variety of roles within an organization's information technology department.

Systems administrator

Professionals in this field are responsible for maintaining system efficiency. They certify that all components of an organization's computer system work together properly. Additional responsibilities include troubleshooting user problems and providing recommendations for future system upgrades.

Database administrator

Storing, organizing, analyzing, using and presenting data all fall under the responsibility umbrella of database administrators. These professionals determine user needs and implement the necessary modifications for specific computer databases. Database administrators also oversee security measures when this information is shared via the Internet.

Candidates for employment in this field should demonstrate analytical skills, technical understanding of networked data, voice and images, and how to strategically apply this knowledge to any business network.

The U.S. Bureau of Labor Statistics' Occupational Handbook reports that overall employment of computer network, systems and database administrators is projected to increase by 30 percent from 2008 to 2018, making it a clear bright spot in the job market.

As companies continue to grow and embrace the latest technological advances to enhance their products and profitability, the dependency for individuals with the expertise to ensure smooth, secure and efficient network communication will continue to remain relevant.

Courtesy of BPT

Kitchen remodeling: How to go from a far-off dream to 'DIY'

Year after year, no matter the state of the housing market, kitchen remodeling remains a good idea. The project perennially tops lists of value-for-your-money home improvements and almost every buyer will be attracted to a kitchen that's updated and move-in ready. Even if you're planning on staying in your home for a while, few things can reinvigorate your home like a brand new kitchen.



Kitchens are the hardest-working rooms in most homes, and the wear and tear that comes with years of use can leave them looking drab. A remodeling project that makes over your kitchen from floor to ceiling can do more than just improve the aesthetics - it can also be a great way to adapt the room for better functionality.



If you've put off dreams of a new kitchen because you think it's unaffordable, you might want to reconsider the changes you can make with your own two hands (and maybe those of some family and friends). When you have the right tools on hand, do-it-yourself kitchen remodeling projects are more accessible than you might think. By visiting a nearby rental store to pick up the necessary tools, you can see twice the savings - in addition to the DIY cost savings, you'll avoid the expenses associated with buying the tools outright. By going to RentalHQ.com, you can find local stores that have all the tools you need to remodel and revive your kitchen.



Here are some essential parts of the project and the tools you'll need to get going:



* Floors: There are lots of stylish and functional options for flooring, but the type of saw you'll need for cutting things down to size will depend on what material you choose. For tile, you'll need a wet saw, but a cut-off saw for wood and laminate. A table saw can also be helpful for wood flooring.



* Trim: Putting the finishing touches on is important, both for looks and for long-term stability. For molding and other trim, a pneumatic nailer will save you an enormous amount of time, energy and frustration.



* Cabinets: Now more than ever before, homeowners have great options for easy-to-install cabinetry that don't require a team of professionals. Make sure that you've got the right drill, drill bits, nails, screws, anchors, levels and supports on hand before you get started - that way you'll be able to work without interruption.



* Countertops: Again, the tools you need will vary, depending on what material you're using. If you need to cut a material like laminate to size, a jigsaw will be a convenient tool. Sanders and drills are two more items you'll want to have nearby.



* Walls: Whether you're hanging drywall or simply painting, a ladder will be an essential tool. If your kitchen has particularly high ceilings or hard-to-reach spots, renting a ladder to fit the task is a good idea.



A beautiful kitchen will quickly become a focal point in your home, both for your family and for potential buyers. By taking the project into your own hands, you can save a significant amount of money, giving you even better return on your investment. For more ideas and information, visit www.RentalHQ.com.



Courtesy of BPT

Be patient while looking for deals with best mortgage rates

Mortgaging is kind of like a collectivized loan that can affect you and your family for a long time if it is not worked out properly. People generally fall for deceptive advertisements boasting about best mortgage rates, so you need to be cautious.



Many people who have fallen into the trap of companies offering the best mortgage rates have experienced problems down the road. It is very important to go through each and every piece of the mortgage deal that you are making. Do not get carried away by those deceptive advertisements that would make your life a disaster. A small mistake, or one wrong signature, and you could end up paying installments for your mortgaged property for the rest of your life.



A thorough study of the entire plan, and all its terms and conditions, is necessary if you want to go for a safe mortgage plan with the best mortgage rates. Buying a home is the biggest investment that you will make in your life, and you would not want anyone to fiddle around with it. Mortgaging is an option for people who cannot afford to pay entire amount in a single go, and thus they look for deals with mortgage rates suitable for their pockets.



Always try to understand the power of credit limits that you can impose on yourself. There have been many examples from the market where people have actually gotten deals with great mortgage rates, but due to their negligence and insufficient funds, they have created traps for themselves and fallen in.



If your relations with your bank are good, then they would also offer you some interesting deals with a good mortgage rate. If you are one of their privileged clients, then you might be entitled for special discounts on mortgage rates. If you go into your loan search with a high credit score and a clean credit record, you would also have better bargaining power.



If you have stains on your record, you should try to get them cleaned up before going into negotiations. If you can afford to, hire a financial advisor who can help you out with the deal, making the best possible negotiation for you with the mortgaging company, credit union, Investment Company or banks with which you are dealing. Each person should play carefully in the mortgaging business, even if he is getting the best mortgage rates for his deal.



Always prefer fixed mortgage rates for your deals. This will be beneficial and score great mortgage rates with no regrets. Interest rates can bounce around, but if your deal has a fixed rates, then it is one less thing for you to worry about. Proceed in your deal with sound mind and alert eyes and nothing will go wrong.

Select the right insurance for your home-based business

(BPT) - Home-based businesses are booming.



About 36.6 million businesses operate from U.S. households, according to the Home Based Business Institute. And the Small Business Administration notes that 53 percent of all small businesses located in the U.S. are home-based, with those numbers expected to grow substantially in the near future.



But before you start planning your home-based bakery, personal training studio or computer repair venture, there's one important thing to think about. Charles Valinotti, head of underwriting & product with insurer QBE, says that you should make sure you have the right insurance to protect your at-home enterprise.



A homeowner's or renter's insurance policy might provide some coverage for a business that operates out of the home, he says.



"If someone is running a small accounting business with little-to-no customer foot traffic and doesn't have expensive office equipment, the homeowner's or renter's insurance would probably be acceptable to most insurance providers," Valinotti points out. "But if you have a pottery school with customers coming and going, and are using pottery ovens that might be a fire hazard, most insurers don't want to take on those kinds of risks."



Depending on what type of business you're brewing, Valinotti says there are three insurance options you'll want to consider:



* Homeowner's policy endorsement: An endorsement is a special provision added to an insurance policy to enhance or restrict its coverage. Adding a simple endorsement can increase coverage for business equipment, such as computers. You'll also want to look into buying a homeowner's liability endorsement - available in most states - to cover on-site injuries to customers or delivery people. A liability endorsement is usually available to in-home operations with few business-related visitors.



* In-home business policy: Valinotti says this policy is also known as an in-home business endorsement. Coverage can vary significantly between insurers. It provides more protection than what's found in a typical homeowner's policy. That includes more comprehensive property and equipment coverage, as well as protection for loss of income, extra expenses incurred, and liability for injuries caused by the products and services you offer.



* Business owner's policy: If your home-based business is in more than one location, this policy might fit the bill, Valinotti says. It gives broader property and liability coverage than the in-home business policy. However, if you have employees, it doesn't include workers' compensation, health or disability insurance.



Valinotti also suggests you don't forget about auto insurance if you're using your car for business to transport supplies or products, or to visit customers.



He recommends contacting your agent for more information on the right insurance for your home-based business. "If you're doing business at home, you need insurance. Finding the right coverage will go a long way to give you peace of mind and help make your special business possible."



Courtesy of BPT

Making a difference with socially responsible investing

If you regularly watch the evening news, you likely have seen stories about social activism and massive protests in support of issues like the environment. Not only are they trying to communicate directly with the public, they are also asking some corporations to change. These are noble causes that sometimes involve a level of personal risk. Another way of exacting change is by working with companies from the inside. In other words: investing in them.

According to Rosalie Vendette, senior advisor in socially responsible investment (SRI) with Desjardins Group, SRI is an emerging field that is still defining itself. "It's really about engagement, not activism," says Vendette. "An engaged investor seeks to persuade management to adopt more responsible environmental, social and governance practices. A common way to sway management is to draw attention to these concerns through direct dialogue. While consumers have the power to decide whether or not to buy a product, investors wield their power in a much more strategic manner. For example, companies that fail to address the environmental impact of their operations can do serious damage to both their public image and their pocketbook. Conversely, companies that reduce their environmental footprint see their stock rise in more ways than one."

Interestingly, there remains a perception that SRIs yield lower returns because performance may be sacrificed in favour of principles. "In the medium to long term, SRI criteria have little impact on fund performance," says Denis Dion, product manager with Desjardins Investment Fund Development Department. "A study of American funds published in the Journal of Investing found that over an 18 year-period, an index of 400 U.S. companies that met SRI criteria performed comparably to the S&P 500, which indexes 500 major U.S. corporations."

"The point is that SRI is a paradigm shift and we're eagerly working to spread the news," says Vendette. "We know that this new approach will continue to transform how we have traditionally invested in companies. And ultimately, we hope that this will contribute to more sustainable corporate practices."

To find out more about Socially Responsible Investing, speak to your financial advisor.

Courtesy of Newscanada

Most Americans don't have life insurance, but wish they did

If you know you need life insurance, but still don't have individual coverage, you're not alone. According to the Life Insurance and Market Research Association, most Americans say life insurance is important, yet only one-third of them are covered by an individual policy. That's the lowest level in 50 years.

"Most Americans know life insurance protects their loved ones against financial hardship in the event of an unexpected death," says Brian Murphy, who heads up The Hartford's life insurance business. "But 40 percent of consumers get so discouraged by how long it takes to buy a permanent policy that they simply give up without getting the coverage they know they need."

Applicants who want to buy life insurance are sometimes faced with perplexing forms and an approval process that can take more than a month to complete.

Murphy says there are new ways of buying life insurance that take the pain out of the process. He also has some suggestions for how to improve on the old way of doing things.

"When today's consumers are used to buying products online and receiving them at home within 48 hours," Murphy says, "they have little patience for waiting a month or more to receive a new life insurance policy."

Fortunately, consumers can help streamline the application process. Murphy offers four tips for speeding things up:

* Do your homework first. Find out about your options before you fill out a single application. You should know how much insurance you need, what type of policy you want and the terms and premium you can live with before you submit an application to any insurer.

* Check your credit report before you apply. Many insurers take your credit score and habits into account when determining your life insurance premium. Knowing your score in advance can help ensure there are no surprises when you get your approved policy and the bill for your first premium.

* Be thorough and honest on the application. Virtually every insurer will ask health-related questions, and many will also require a health exam. Being less than truthful about weight, lifestyle habits and health conditions can cause your application to be delayed or even rejected.

* Allow sufficient time when scheduling your health exam so that neither you nor the examiner feels rushed or pressured. Ask what the exam will entail and if there are any requirements, like fasting or drinking lots of liquids. When making the appointment, also ask if you will need any additional tests - such as an EKG or X-rays - and find out if you can arrange for those to be done quickly.

* Consider taking a new approach. Consumers aren't the only ones who recognize the importance of accelerating the application process; insurers do, too. The Hartford, for example, recently introduced a new patent-pending application process it calls Issue First. With Issue First, applicants answer eight questions and sign and file their application forms electronically. Issue First trims the time it takes eligible clients to receive a policy down from 48 days (an industry average) to as little as 48 hours.

"By creating a new way of assessing a person's risk factors and accelerating the process, consumers can now get life insurance coverage in a fraction of the time it used to take," Murphy says. "And that means far more people are getting the coverage they really need to protect their families and loved ones."

In a pilot conducted by the company, clients who opted for the Issue First process ended up buying a life insurance policy 95 percent of the time, compared to a 65 percent closure rate for clients who took the traditional application route.

To learn more about Issue First, visit www.hartfordinvestor.com/TheHartfordIssueFirst.

Courtesy of BPT

Accountants: the backbone of the business world

(When you think about the backbone of a business, it's not the owner, CEO or board of directors who keep everything trucking along. Instead, it's the accountant who leads the finances of small and larger companies into the future.

"Accounting has always been a crucial part of running a business. You simply can't run an efficient or profitable company if you aren't keeping an eye on your books," says Debbie Nelson, business accounting instructor at Everest Institute in Kalamazoo, Mich.

The old days of accountants running around in brown suits, pocket protectors and gnawed-off pencils are long gone. Today's accounting professionals are completely digitized, allowing them to concentrate their job more on financially strengthening a business, rather than only handling paychecks and invoices.

"The role of an accountant is being transformed from simply helping a business run to helping a business envision its future," Nelson says.

* Estimating and evaluating risk management

"Businesses need accountants to identify and manage risk. They are increasingly part of the team that helps a CEO decide which investments are worth the risk," says Nelson. "In fact, a degree in accounting has always been a great way to get into the business world."

* Globalization

Globalization is another factor changing the accounting field. "Due to the growth of international trade and business, companies are increasingly looking for accountants who have a good understanding of international business, who speak a foreign language or who are available to work overseas," says Nelson.

* Fair value accounting

Fair value accounting recognizes the current worth of assets, instead of the cost of acquiring them. It seems like a simple premise, but it is actually challenging the very foundations of traditional accounting. Fair value accounting is helping CEOs re-evaluate the current worth of their companies and better assess where they can afford to invest.

* Forensic accounting

Recent media attention from corporate accounting scandals has also increased the demand for accountants with experience in fraud detection, making forensic accounting degrees in high demand. "In the past, businesses waited until an ethics breach was suspected before investigating, but today, many companies are realizing they can't afford to wait," says Nelson. "They are bringing in forensic accounting specialists to tighten procedures and prevent fraud before it happens."

Nelson explains the need for accounting schools to adapt to these changes. "In our accounting courses at Everest Institute, we realize that if we really want to prepare our graduates to be the next wave of accountants, then we have to stay abreast of recent developments in the accounting field."

Nelson says that even if students aren't interested in a specific kind of accounting, they are interested in the job security. "At the very least, our students know they will be in high demand upon graduating. For some students, that's all they need to know."

To learn more about degrees in accounting, visit www.everest.edu.

Courtesy of BPT

Taking the intimidation out of DIY bathroom renovation

(BPT) - When it comes to home improvement, Americans have embraced doing it themselves - in a big way. Among homeowners who plan to make improvements, 64 percent say they will do it themselves, according to American Express' Consumer Spending and Saving Report. Yet one area of home improvement continues to give even adventurous and confident DIYers pause - bathroom renovation.



"Many people who don't think twice about installing flooring or cabinetry or even tiling on their own, still feel they need a professional to upgrade their bathrooms," says Gray Uhl, director of design for American Standard. "However, with the availability of easy-to-install products, like no-tools toilets and Speed Connect faucets, bathroom upgrades are well within the abilities of most do-it-yourselfers."



Upgrading or adding a bathroom continues to be a winning home improvement for owners, whether they intend to sell or stay in their homes. A mid-range bathroom remodel recoups more than 65 percent of its cost at the time of resale, according to Remodeling Magazine's Cost vs. Value report. An upscale bathroom renovation returns more than 58 percent.



If you're considering remodeling a bathroom, here are quick, easy ways to spruce up your bathroom yourself, and still end up with professional quality results:



Start small: the power of bath accessories



When you think of bathroom accessories, towels and toothbrush holders likely come to mind. But anything that enhances the look of your bathroom decor can function as an accessory. Simple moves like swapping out dated cabinet hardware (or adding it where there was none) can help transform the look and feel of the bath.



Switching out a boring mirror with a beveled option can turn a functional background element into something eye-catching. Or, dress up an existing mirror by adding a frame. It's easy to find mirror framing kits online or in your favorite home improvement store.



Keep thinking creatively when it comes to accessories, and imagine what you could do in the shower area. If your shower is a tub/shower combination, replacing a standard straight curtain rod with a curved one not only creates an elegant appearance, it can give you more elbow room while you're using the shower.



If you have a shower stall with a door, consider swapping a plain glass door with a decorative one. Home improvement stores often carry a variety of designer options that are frosted or have a pattern. A new shower door can make an old shower look fresh and bold.



Style and function: replace toilet and bathroom faucet



The toilet, sink and faucet are essential elements that can be beautiful as well as functional. Replacing dated, inefficient models with newer options can give a bathroom a whole new look - and improve its usability. Easy-to-install products make updating these important bathroom fixtures simple and speedy.



Replacing a faucet can be a challenge when there are so many moving parts to contend with - not the least of which is the drain. Typical bathroom faucets can have as many as 14 parts to connect. American Standard's Quentin bathroom faucet collection features a Speed Connect pre-assembled drain that requires no special tools or plumber's putty.



Products like the American Standard Champion line of high efficiency toilets (HETs) blend powerful performance and water savings with easy installation. The WaterSense-certified Champion HETs use 20 percent less water than standard toilets without losing any flushing power. Available in tall height and elongated or round-front models, these toilets offer practical features like a slow-close seat that eliminates loud slams. Plus, their permanent EverClean antimicrobial finish inhibits the growth of stain and odor-causing bacteria, mold and mildew on the surface. Made for fast, easy installation by DIYers, Champion toilets that feature the EZ-Install kit include everything do-it-yourselfers need to install the toilet without the use of special tools or difficult bolt-cutting.



Added bonus: Buy a Champion and be a champion, joining a campaign by American Standard to raise awareness that almost half the world lacks a safe way to go to the bathroom. For every Champion toilet sold in the U.S. and Canada, American Standard will donate a hygienic latrine pan to a developing country to help raise the global standard of living through safe sanitation. Learn more at FlushForGood.com.



Courtesy of BPT

Killeen-area home sales increase in October - The Killeen Daily Herald: News

Killeen-area home sales increase in October - The Killeen Daily Herald: News

Home sales in the Greater Killeen-Fort Hood Area are up slightly from last month despite the number of new home starts for the year being down.

In October, 212 homes were sold in the coverage area of the Fort Hood Area Realtors Association, which extends from Nolanville to Lampasas and Gatesville to Florence.

The number is greater than last month’s 206 and October 2012’s 189 homes sold, stated a report from the association.

But the number of houses on the market also increased.

In October, 1,586 homes were on the market compared to last year’s 1,476 single-family residences.

There are about seven months worth of homes on the market if selling continues at the current rate, stated the report.

That means the greater Killeen-Fort Hood area favors the buyer and not the seller, said Jose Segarra, a spokesman for the association.

“We are still in a buyer’s market here (in Central Texas),” he said. “In our market we are holding steady.”

While there are more homes on the market, there are fewer homes being built, according to the report.

By October 2012, there were 895 homes built in the greater Killeen-Fort Hood area, year-to-date.

This year, 743 homes were built by October, a reduction of about 17 percent.

Segarra said the lower number isn’t cause for concern, but rather the market balancing itself out.

There was a lot of uncertainty in the market earlier this year, driven mostly by government furloughs and national concerns pertaining to the U.S. budget, he said.

Because of that uncertainty, the market slowed down.

As soldiers continue to come home from Afghanistan, the selling numbers probably will increase, Segarra said.

“I think we are going to see a much stronger first quarter,” he said. “I am very optimistic that we will do well this year.”

Contact Mason W. Canales at ​mcanales@kdhnews.com or (254) 501-7474

Five questions to ask before hiring a real estate agent

(BPT) - Want to sell your property quickly? Looking for your dream house? Are you hoping to get the best deal possible during the complex process of buying or selling a home? With so much money - and often, emotion - at stake, going it alone is generally not the best way to reach your goals. The secret for getting exactly what you want: Work with a savvy real estate agent.



A qualified real estate agent will streamline the process, help you save money and serve as a liaison with your best interests in mind. But how do you find the right real estate agent? Hundreds or even thousands of real estate professionals may work in your area, but finding the best one for your unique situation doesn't have to be time-consuming.



Remember, you're hiring this individual for his or her expertise and services. Your agent will get a designated percentage of the sale of the house. Depending on negotiations, this cost may be covered by the seller, buyer or split by both. You want someone who will work hard for you, but also someone you are comfortable with because you may be spending a lot of time together.



To find the best real estate agent for you, ask these five critical questions:



1. How many buyers or sellers have you helped in the last year in the area?



An active agent is more likely to be up-to-date on the market, and local and state laws. Furthermore, active agents with experience in your neighborhood, or the neighborhood where you'd like to move, are better positioned to help you because they can provide unique insight that other less-knowledgeable agents cannot.



2. Do you have advanced training?



Any licensed real estate agent can help you buy or sell a home. But an agent who has advanced specialty training is better qualified to assist you. For example, an agent who is an Accredited Buyer's Representative (ABR), has enhanced training focusing specifically on buyers. An agent who is a Certified Distressed Property Expert (CDPE) has special training to deal with short sales and foreclosures. RE/MAX agents on average have more certifications and extra training to better serve buyers and sellers.



3. What services do you offer?



While the majority of people shop for homes online first, having someone on your side through the search and sale process can save time and money. A buyer's agent should help you schedule showings, assist with negotiating the price of the new home, guide you through the paperwork, be there at the closing table, and provide insight through any contingencies during the process.



For sellers, an agent should help set the price of the home, based on a competitive market analysis (CMA). Ask the agent how he or she will market your home (websites, videos, direct mail). Also inquire about assistance with staging and hosting open houses. Then, when the offers come in, the agent can help you with the decision on which one to accept.



4. Who else will be working with me?



The person you hire should do most of the work, but you may work with a support team, too. Additional team members may include mortgage brokers, home inspectors or contractors. If you'd like more information about what it's like to work with an agent, don't be shy about asking for references. You'll get real insight into what it's like to work with that particular professional.



5. How often will I hear from you?



No matter if you're selling or buying, ask how often you'll hear from the agent and make sure that this aligns with your expectations. For buyers: Do you just want to hear when there's a new home that may interest you? Do you want regular check-in calls too? For sellers: Do you want to hear from your agent only after a buyer has toured your home, or do you want to be kept in the loop on a weekly basis?



Buying or selling a home is a complex process most people do only a few times in their lives. Hiring the right real estate agent from a reputable company like RE/MAX can give you an edge so you get the best deal possible while meeting all your goals.



You can learn more about the home buying and selling process and find an experienced agent in your neighborhood by visiting www.remax.com.



Courtesy of BPT

Managing residential income property: One simple bit of timing can make a world of difference

Having been born and raised in SoCal, doing business there for over three decades, many of the lessons learned in nearly a decade of working in other states have been informative - an understatement if ever there was one. I'll bet if you're invested in a midwestern state, the thought of a last quarter vacancy freezes you in your tracks, pun intended. A November vacancy in San Diego is irritating, even a tad worrisome, but it gets filled. Instead of happening in a couple days or weeks, it might be a month. That's an eternity around these parts. Yet that's relatively overnight compared to dealing with having to rent up a unit in chillier climates, especially when it's cold, wet, and holiday season. However, if escrow is closing on your latest acquisition in the winter, or you find yourself taking over units with leases rolling over then, what to do?



As usual - it's all about planning.



It varies a little from market to market for local reasons, but there's always a range of months when having leases roll over is preferred. Yeah, I know, Duh. Still, when closing on vacant units this time of year, or when taking over leases expiring now, it's easy enough to eliminate the problem. Simply give new tenants or tell existing tenants they have a choice. They can sign say, a six month lease, or an 18 month lease. Either way you've eliminated the problem. The lease(s) will be timed to expire within the prime leasing season. But what if you own a couple dozen doors or more, maybe a lot more?



Do what builders and developers have been doing forever. Understand your market's absorption rate. That is, the rate at which it can absorb vacant units - how many at a time? How many units can you or your management firm lease in 30 days? Is it a different figure just one neighborhood over? Maybe, maybe not. It's almost a matter of sanity maintenance, isn't it? Even if you're in a market in which everything rents overnight with a 3 X 5 card on the front yard tree, having to mess with 10 new vacancies simultaneously isn't any less of a pain. I know, because I've seen me do it.



Many members here talk about how they've learned to specialize in various markets for their long term investments. Using this method of staggering rollover times is, for most, a practical matter of self defense. By spreading out a bunch of leases over six months, you've created for yourself an orderly process in which you haven't antagonized the local absorption rate. This also aids tremendously, your ability to plan various work projects around vacant units. Getting work done in the winter in potentially extreme weather is to be avoided when possible. By ensuring your vacancies will pop up during the prime rental season, and during reasonably decent weather, you've gone a long way towards eliminating logistical pains in the rear, not to mention your bank account. Also (Captain Obvious alert!!), by scheduling any vacancies for the best renting season, you've also virtually guaranteed yourself a far greater slice of the tenant pie. You think you don't want dead of winter vacancies? Tenants aren't exactly out in droves, looking for their next place right after finishing their second piece of pumpkin pie.



Now's the perfect time to address this problem. Give your tenants notice that rollover time will mean a shorter or longer term lease. You'll quickly find out that for the most part, they'll be grateful for the change.



Author: Jeff Brown



Jeff's Website: http://www.bawldguy.com

Add economical living space with an outdoor room

(BPT) - Adding living space to your home can be an expensive prospect. However, creating an outdoor room is a budget-friendly option that gives you more square footage, as well as additional opportunities to enjoy the season. As an extension of the home, outdoor rooms with decks or pergolas can be personalized to truly bring indoor comforts outside for relaxation and entertaining.



Prepare your outdoor space



Before embarking on designing an outdoor room, start with a clean slate by making necessary repairs. Jason Ringling, director of marketing for Red Devil, says outdoor fix-ups are on the agenda because of the unusual weather the country has experienced, including wind and flood damage. Outdoor structures have particularly taken a beating, with damage to wood structures and cracked concrete.



"Homeowners can tackle these jobs with long-lasting quality adhesives and sealants," says Ringling. "There are new, environmentally friendly construction adhesives on the market, which can help repair damaged decks, concrete, outdoor furniture, play sets and more."



Stand up to Mother Nature



If you start with cellular PVC as a wood replacement, you can add longevity and low-maintenance to pergolas and other outdoor structures. Those that come in easy-to-assemble kits make it even easier to have a stylish extension to your home. According to the experts at Walpole Outdoors, to match your home's style, look for variations in pergola design such as straight or arched tops, and round or square columns in many sizes.



"For a true 'outdoor room' feeling, a retractable, weather-resistant fabric canopy can provide shade and shelter whenever the weather changes, so homeowners can always plan outdoor occasions with confidence," says Walpole president Lou Maglio.



Affordable, natural looks that endure



Decks are another easy way to extend living space and with new alternative materials, it's easy to save on maintenance without sacrificing style. One advancement in composite decking technology features a "cap" or protective outer layer that looks like real hardwood.



"Today's deck trends show that homeowners are looking for deck styles and colors that strongly resemble the earthy tones found in nature," says Carey Walley, vice president of marketing for TimberTech, a leading composite decking manufacturer. As an example, the company's new Earthwood Evolutions Terrain is an affordable hardwood-look composite that is durable, moisture-resistant and accepts concealed fasteners. Walley also notes that a new interactive Q&A forum called Straight Talk is a great place to investigate common deck topics and to ask any deck question that will be answered by experts.



De-clutter your deck space



When designing that special outdoor space, start by de-cluttering the deck. Look for the latest clever, space-saving solutions that help make the most of your deck space. One way to cut costs and improve the view is to use fewer posts, according to Mike Gori, director of product management, AZEK Building Products.



"We've engineered a durable railing system that spans 10 feet between posts, which requires fewer posts. This creates a less cluttered look, clearer views and substantial cost savings," he says. In addition, he suggests hide-away storage bins that make use of the space under the deck to store items like umbrellas and pool toys. "The lid is discreetly flush with the deck surface, eliminating those large plastic bins that obscure the view and take up valuable deck space."



With these tips, it's easy to find functional, beautiful and affordable options for making your outdoor space your very own.



Courtesy of BPT

Can internet marketing be a long term business?

Here is the honest truth: most people get into Internet Marketing because they are convinced it is an easy way to earn quick money. Their approach is to make a fast website, put up some advertising and a few affiliate links, then sit back and watch while they earn real cash. There are a large amount of individuals who do this and also earn lots of money on the internet. But what if you want more than some extra or even quick cash? Can Internet Marketing really be leveraged to produce a worthwhile and long term career?



The quick and dirty answer is that yes, you are able to make Internet Marketing your long term and sustainable career. You only need to take on the project properly. The procedures and programs you use to build something to earn fast money are not all that different than the methods and systems you will use to build long term profits. So what would you do if you need to develop a sustainable career on the internet?



It is very important that the first thing you do, in order to earn long term money online, is accept the fact that you are going to have to do real work. You will have to do actual and real work on a daily basis. You will have days when you feel fantastic about what you do and days when you wish you could find something else to take on. This means it's just about like every other occupation out there. If you want to produce lasting cash flow by working a lot right now and not at all later on then you are going to be in for a rude awakening. So be ready to roll up your sleeves and get to work.



There are a few ventures that lend themselves much better to a long term career than others. Affiliate marketing, to use one example, is a great job for someone who wants to earn money on a part time basis or to supplement your already existent income. Is it truly possible to earn a full time income in this manner? You could if you pick out only the right products and then work like crazy to promote them. A far better approach, nevertheless, is to create your own products or websites and then promote those. This gives you full control over the projects you take on and how you accomplish them. And you will end up more likely to stick with it in the long run. If you want to give a service on the web, this works much the same way. Writers, for example, need to create websites for themselves and create portfolios that they can point to as examples of their work.



Finally, perhaps the most significant thing that you need to recognize is that, when you want to build a long term and reliable income on the internet, you need to truly dedicate yourself to your task. You might have fun and feel rewarded by your efforts, but first you should tell yourself "yes, I really want to do this." Making a half-hearted effort is not about to get you anywhere.



by: Tanaka Ara



Article Source:

http://www.articlecity.com/articles/marketing/article_6729.shtml

Marketing on the internet – Sticking to the basics

When marketing on the internet you will likely be exposed to various promotional strategies or techniques that are more dazzling than they are effective. Now there is nothing wrong with trying new marketing tactics in an effort to build your business but never lose sight of the fundamentals. As tempting as it may be to rely upon a tool or technique that 'offers' more results for less effort, it is important to keep your eyes open to how effective they may really be.



Always be mindful of the fact that to build your business you will need a quality product, a solid reputation and the ability to connect with customers. Although gadgets and gimmicks may deliver on their promise of less work, they do not always deliver the results. It is up to you to determine if the time you invest is worth the return you are getting.



Here is a quick look at the fundamentals you need to focus on and the reason for the attraction to some of the newer marketing tactics we become exposed to.



Fundamentals



1) Exposure



No matter what you are promoting online in order to build your business you need to increase your exposure. get yourself out in front of people There are some nifty software products and marketing tactics that will help your cause but the image you project must be developed and maintained by you!



2) Connecting



In order to convert people into buyers you will need to develop a connection with them There is no substitution for human interaction and this is what it will take, in some manner, to connect with others. Gaining their interest or 'triggering' a desire can only be accomplished through some form of interaction. On the internet the written word is the primary channel of communication therefore developing good copy writing skills will be helpful!



3) Trust



Building trust is one of the most important things you can do when working online since it tends to boost the effectiveness of any of the promotional strategies you may use. Trust building is not something you can expect to accomplish with the help of automation or software but instead results from the way you interact with others. Displaying respect or a willingness to be of service to people are great ways to build both trust and solid reputation online.



Gimmickry



1) Fast



Our attraction to any new gadgets, tactics or gimmicks when working online stem from the natural desire to improve our performance and with less effort. One of the primary benefits usually touted when any new marketing tactics are presented is the speed and ease with which they work. Who would you not be attracted to that? But sadly, in many cases the product or technique demonstrates an inability to deliver on the promise.



2) Convenient



Another popular benefit used to promote the purchase and/or use of some tactics or gimmicks is their convenience and ease of use. Products or techniques like this normally serve to automate certain time consuming functions but here again, the job they do may not be as thorough as you would want. On the other hand the temptation to build your business on autopilot is hard to resist!



3) Empowering



Simply possessing any type of software or marketing tactics that can 'speed up' or 'automate' certain functions of your business is an empowering feeling. Of course that feeling does tend to fade as the realization that some of those 'tools' are ineffective begins to dawn on you. However, simply having the hope, even for a short period of time, that you can drastically improve your productivity is an uplifting feeling! As any internet marketer will tell you, hope is one the their biggest assets and if they did not have it, they probably would not be seeking success online!



Marketing on the internet offers the use of many gadgets and gimmicks that promise to decrease your efforts while increasing the results! Unfortunately some of these promotional strategies or gimmicks fall flat on their face when put to the test. The allure of many new marketing tactics is the automation and of course the convenience associated with it. It is important however to be mindful of the fundamentals that are required, as discussed above, in order to build your business successfully online. With that being said as you find yourself employing the use of any new gimmicks, gadget, tactics or techniques always monitor their use insofar as effectiveness and bottom line results. If you do not find an improvement in the performance and/or results of your business this is simply a tool you do not need!



By: TJ Philpott

http://www.articlecity.com/articles/online_business/article_8501.shtml

How to truly make your patio an extension of your home

If you're like many homeowners, you consider the patio an extension of your home. So it's fair to ask: Would you be just as comfortable nestled in with your favorite book or preparing a meal in your outdoor space as you would in your living room or your kitchen? As you contemplate ways to improve your outdoor area, think about projects that can both extend the hours you spend outside and make the time you spend there more relaxing.



Just as technology continues to make life indoors easier, more sophisticated awning systems, heating options and lighting can make your outdoor space that much more pleasant. Here are a few areas to consider as you plot your next round of improvements for your outdoor living space:



* Temperature control: One of the best ways to make your patio pleasant for more of the day - and more of the year - is to add simple temperature control features. If you live in a place where it gets uncomfortably hot during the summer, install misters around your favorite sitting areas to cool things down. Likewise, if you often find yourself heading inside because it gets too chilly in the spring and fall, a few strategically placed overhead heaters can extend your patio season.



* Shade matters: Awnings and umbrellas also play a huge role in regulating the temperature and comfort of your deck or patio. And now, shading options have become more sophisticated and easier to maintain than ever before. You'll never have to worry about damaged awnings on a windy day with a motorized awning system with wind sensors that work together to automatically retract your awnings when winds become too high. Retractable awning systemscan also be accessorized with sun sensors that signal motorized awnings to open as soon as the sun rises, keeping your outdoor space cool from the start of the day. If adding a hint of warmth is needed, simply install an awning heater. All of these accessories can be managed by the same remote that controls your motorized awning. With a system like this, you can leave the days of fiddling with fussy patio umbrellas behind.



* An outdoor kitchen: No patio is complete without a grill, but do you find yourself making frequent trips inside for other prep work? Make outdoor cooking easier by adding a prep island that can be placed near your grill. And if you really want to go all out, look for options that feature outdoor sinks or small refrigerators hidden under the countertop.



* Entertainment connectivity: Well-placed speakers can bring the stereo sound of your indoor system out. By upgrading your system so it can be controlled from your wireless device, you can bring the conveniences of your digital music system outdoors and eliminate the need to get up to turn up the volume or flip to the next song.



* Take look at your lighting: High-powered outdoor lights on sensors might be helpful when you're bringing in the groceries at night, but patio entertaining calls for a little more subtlety when it comes to lighting. Consider zero-energy solar-powered fixtures around the perimeter of your patio for a gentle ambiance to light up your evenings. Motorized systems can also be connected to your lighting, allowing you to adjust brightness as needed from the comfort of your patio lounger.



Now is the perfect time to plan for next year's patio season, and with the right improvements, you can make it the most comfortable one yet.



Courtesy of BPT

Selecting a trustworthy mover is the first step in avoiding moving day headaches

Americans are on the move. The United States Census Bureau estimates that 12.5 percent of Americans - nearly 40 million people - changed residences each of the past two years. While many turned to moving professionals for assistance, some learned the hard way that not all moving companies are created equally. In fact, the Federal Motor Carrier Safety Administration (FMCSA) received nearly 3,000 complaints about moving companies last year alone - a double-digit increase from the prior year.



Some good news arrived in October in the form of a new law that provides additional protection for victims of rogue moving companies that hold belongings hostage in the interest of scamming consumers to pay unexpected fees. The new law gives FMCSA the authority to force the return of consumer belongings in addition to the ability to levy fines of up to $10,000 per day.



Unfortunately, our industry has been plagued by moving 'companies' that advertise unbelievable 'deals' that turn out to be consumer scams, says Jon Sorber, executive vice president of Two Men And A Truck, the nation's largest franchise moving company. The new regulations are a welcome change for those of us committed to operating legitimate moving companies, but they are just a start. Education is really the key to making sure consumers avoid the hassle of a moving scam in the first place.



Sorber suggests consumers ask the following questions before hiring a mover:



1. Can your family, friends and co-workers make a referral? It's likely that you know several people who've hired a moving company in the past year. Why not tap the resources of people you trust to share their experiences?



2. Does your mover have a brick and mortar facility you can visit? Often the "rogue" mover operates from a storage unit or perhaps with no office at all. If you are dealing with a legitimate moving company, they will have an office with trucks, employees, boxes, supplies, etc.



3. Is your mover licensed in your state? The majority of states require a formal license to operate as a mover, and selecting a licensed, insured mover is your best bet in guaranteeing a hassle-free experience.



4. What community or industry associations does the moving company have? Is your mover in good standing with the Better Business Bureau? Are they active members of the local Chamber of Commerce? Choose a mover who is valued and trusted within your community and you'll likely eliminate any concern of questionable practices.



5. Does your mover offer free moving quotes? A legitimate mover is going to provide free estimates of your move before a single item is moved. If they refuse to do so, keep shopping regardless of how good the deal sounds.



Paul Oakley is senior vice president for Government Affairs at the American Moving and Storage Association (AMSA), the moving industry's largest trade association. He and his team began working with Congress to develop the new regulatory provisions. Like Sorber, he believes the new laws provide some measure of safety, but cautions that more work must be done to eliminate dishonest moving practices.



The laws going into effect directly impact policing of the industry, says Oakley, but ultimately we must have safeguards that make entry into the industry more difficult, tougher enforcement against bad actors, and a greater effort needs to be made to educate consumers on how to choose a proper moving company.



Two Men And A Truck offers more questions consumers should ask before hiring a mover at www.twomenandatruck.com/moving-questions. Consumers might also consider AMSA's Before You Move checklist at www.moving.org.



Courtesy of BPT

Opportunities for students to pursue challenging and exciting careers in STEM subjects

(BPT) - Pursuing a career in science, technology, engineering or math (STEM) subjects opens plenty of exciting and challenging opportunities for today's students. Many of these opportunities exist in the Navy, including technically challenging missions that require intelligence and critical thinking.



These careers can range from working on the world's most complicated and best anti-air and anti-missile systems to developing the next generation of vaccine technology. Talented, committed individuals with a STEM education will be critical to maintain the U.S. as a world technology leader.



Demand is high for STEM-related employment, thanks to more than 50 percent of the Navy's scientists, engineers and related disciplines qualifying for retirement, as well as the projection of 1.2 million new STEM jobs created over the next five years. The Navy is committed to working to ensure there is a qualified STEM workforce in the pipeline.



As part of this commitment, the U.S. Navy is partnering with organizations across the U.S. to help promote an interest in STEM subjects among elementary to college-level students. The Navy STEM for the Classroom tool is also available for teachers and students, providing lesson plans and interactive tools to increase learning in these subjects.



One program incorporating STEM subject learning with real world experiences is the SeaPerch program, an innovative underwater robotics program sponsored by the Office of Naval Research that connects students and teachers inside or outside the classroom to construct an underwater Remotely Operated Vehicle (ROV).



Students will follow an established curriculum to physically build an underwater robot from a low-cost, standard kit, learning important lessons like:



* Ship, submersible and submarine design (Naval architecture)



* Maritime and ocean engineering principles



* Robotics



* Problem-solving



* Teamwork



Each underwater ROV creation can be tested against others in organized competitions across the country.



Students with a background in STEM courses have the opportunity to work with some of the most awe-inspiring ships, submarines, air craft and communications systems in existence, develop unmanned vehicles and robotics that keep people out of harm's way, and pioneer advances in everything from nuclear propulsion to biofuels to medical research. A STEM-related career in the Navy provides almost limitless possibilities for leadership and relevant experience.



In addition, enlisting in the Navy allows students interested in STEM subjects to continue their learning with ongoing development opportunities during nearly all stages of their career in the Navy. These opportunities include:



* Navy Reserve Officers Training Corps (NROTC) scholarship program



* Naval Academy is the undergraduate college for the Naval Service and allows a student to become a midshipman while learning about the Navy's rich history



* Nuclear Propulsion Officer Candidate Program which offers up to $168,300 for students finishing a degree in math, engineering, physics or chemistry, and allows them to begin the process of becoming a commissioned Navy Nuclear Officer



* Civil Engineer Collegiate Program gives students pursuing civil engineering degrees the opportunity to pursue projects around the world right out of college. This program also offers up to $113,100 while finishing a college degree



For more information about opportunities to serve in the Navy, call 866-408-1241 or visit navy.com.



Courtesy of BPT

Fall gardening tips to extend the harvest

Kids are heading back to school, tomato harvests have begun to dwindle and the leaves are starting to change color once again. Another hot summer is drawing to a close. This does not have to mean though, that thriving gardens must to fade into blissful memories. Even as temperatures start to drop, cold-weather crops can extend the harvest well into the fall months.



A delicious fresh spinach salad would blend beautifully with a hearty squash or pumpkin soup after a cool fall day spent raking leaves or hiking through the woods. Plant crops to use in creative recipes, and feed your family from the garden all autumn long.

• Plants with shorter and cooler growing seasons thrive in the fall months. Consider setting aside a weekend for the entire family to get outside and plant some beans, peas and salad greens like lettuce, kale and spinach. Check out the region's average date for a hard frost, and calculate back the weeks needed to successfully grow a full late-season crop.
• Rotate plant location. For example, if peas were planted in the spring in one section of the garden, don't plant them in the same location for the fall growing season. Instead, consider using that area of the garden for spinach this time around. Rotating crops like this will help the garden's soil to replace and retain valuable nutrients naturally.
• Enhance the growth of plants with Miracle-Gro expand 'n GRO soil that contains plant food, allowing plants to thrive in both containers and gardens. When combined with water, soil permanently expands up to three times its original size to hold up to 50 percent more water than basic potting soils. And as a soil amendment, expand 'n GRO radically improves native soil conditions, whether sand or clay. For a great organic option, try using Miracle-Gro Organic Choice Potting Mix or Garden Soil to help keep plants strong and healthy all throughout the growing season.
• The garden needs food to thrive. Feed edibles, whether in an in-ground garden or in container pots, with Miracle-Gro Shake 'n Feed Tomato, Fruits & Vegetables Plant Food Plus Calcium. One application will feed plants for up to three months - which is plenty of time for the fall garden to produce a harvest of delicious vegetables - and contains calcium to help plants grow better quality, longer-lasting fruits and vegetables.
• Keep an eye on plants as they grow, being certain to water daily and protect from the dangers of a hard frost. Monitor weather reports. If a hard frost is predicted in the area earlier than expected, cover the crops with blankets or plastic for the night, and uncover in the morning, once the threat of freezing has passed.
• Harvest plants as they reach maturity. Sometimes a chilly night with a slight frost can enhance the flavor if vegetables are picked during or immediately after the temperature drops.
• Enjoy the bountiful harvest. Miracle-Gro and America's Test Kitchen have recipes at www.miracle-gro.com/GroYourOwn to explore. Try them all using your own freshly grown produce and see which recipes the family likes best.
• Assign a family member to record the entire growing season through the winter frost, keeping track of what was planted, the date it was planted, the flavor of the vegetables harvested and even which recipes the family made and enjoyed with the produce. Use this information next year to better plan the fall garden and increase the amount of produce harvested.

Courtesy of BPT

Lunchbox classics get a better-for-you update ... and that's no baloney

(BPT) - Can kids enjoy their favorite lunchtime standbys and be healthier too?



Yes, says Liz Weiss, registered dietitian and founder of MealMakeoverMoms.com. The key to a homerun for lunch, according to Weiss, is to throw a few curveballs into the mix.



"There's a reason kids love classics like bologna sandwiches and PB&J - they are familiar," says Weiss.- "But with just a few tweaks, parents can amp up the good nutrition and the excitement of those lunchbox basics."



Weiss, coauthor of the family cookbook, "No Whine with Dinner," offers tips for putting a nutritious spin on kids' lunchtime favorites while keeping them "trade proof":



* Beyond white or wheat. Sandwich bread options have come a long way. With pitas, naan, flatbreads, tortillas and more, any sandwich can have a global flair. Choose whole grain options made with ingredients like 100 percent whole wheat and rolled oats. The reason: Whole grains provide more fiber as well as nutrients like B vitamins and magnesium, important for strong bones.



* The deli difference: Not all lunchmeat is created equal. Look for natural and organic brands like Applegate made with a short, "clean" list of ingredients and no antibiotics or artificial colors, flavors or additives. Applegate makes a full line of deli meats, including a new bologna with less fat and sodium than traditional brands.



* Nutty for butters: Up the ante and the variety on the classic PB&J sandwich by replacing the peanut butter with other butters such as almond, sunflower or cashew. For a fun twist, spread your child's favorite nut butter and jelly on lavash bread, roll up, and then slice into "sushi" rolls.



* Fruit inside, not on the side: Consider incorporating fruit into a sandwich. Who says peanut butter sandwiches have to have jelly? Why not add thinly sliced bananas, strawberries or even kiwi fruit? Making a PB&J into a PB&F cuts the added sugar and boosts the flavor and nutrients. Ham & cheese sammies also pair nicely with fruit, especially sliced, crisp apples.



* Take the chip off the shoulder: Let kids feel like mom caved on the chips by making a savory dip with yogurt or hummus and adding whole wheat pita chips and some veggies on the side. It's like party food for lunch. For more tips and recipes, visit Applegate at www.applegate.com.



"With subtle changes and some playful surprises, kids can feel like they are in their food comfort zone and parents can feel good about giving their children something healthier," says Weiss.





Courtesy of BPT

Exit Homevets Realty, Killeen, Texas

SOLD-1506 Mattie Drive Copperas Cove, TX-

Another quick sale by Exit Homevets Realty
1506 Mattie Drive Copperas Cove, TX

We specialize in helping sellers sell their homes fast and with little hassle!

Exit Homevets Realty
Killeen, Texas

www.killeenhomesearch.com

Sold on selling real estate? - The Killeen Daily Herald: Local Business

Sold on selling real estate? - The Killeen Daily Herald: Local Business - Article on March 17, 2103

1506 Mattie Drive Copperas Cove, TX

1506 Mattie Drive Copperas Cove, TX   Beauty at it's BEST! This gorgeous home is located in a peaceful neighborhood close to a community pool, walking trails and tennis courts. You'll love the professional paint, the upgraded energy efficient water heater, and an upgraded new energy efficient A/C unit on the outside. The kitchen is spectacular with its custom upgrades like granite counter tops, breakfast island and stainless steel appliances. You will also love the spacious master bedroom with an additional sitting area and custom designed wood shutter type blinds throughout the inside. The lot is also extra large with about one quarter of an acre. This one will surely not last long on the market, so make sure you schedule your appointment today, before its gone.

4400 Windcrest Dr Killeen, TX

4400 Windcrest Dr Killeen, TX   Great home for large family with lots of furniture or who want a large workout area, or who just want a large entertainment room or movie room.  This lovely home features two living areas with lots of wall space, a large kitchen with beautiful bay window that faces the front of the home, 3 bedrooms, 2 full baths, and the owner has even painted the whole house and put in new carpet in all the bedrooms.  Come stretch out in the home with over 1800 square feet of living at a fantastic price!  Call today to be amazed by this beauty before its too late.

5201 Capricorn Loop Killeen, TX

5201 Capricorn Loop Killeen, TX   This 4 bedroom, 3 bath homes sits on a large corner lot in a great neighborhood only minutes from  major shopping centers and Fort hood.  Perfect for the family needing the extra rooms and second living area.  You truly be delighted in this open kitchen next to the beautifully arched dining room.  Downstairs is where you'll find the fourth bedroom and a full third bath room.  Upstairs is the master suite with two other bedrooms.  Sellers have also added the in ground sprinkler system.   This lovely home is ready for a new family so call to schedule your showing today......

6709 Deorsam Loop Killeen, TX

6709 Deorsam Loop Killeen, TX    This elegant 4 bedroom, 2 bath, 2 dining area home has more elegant features than you can imagine.  Features a beautiful designer tile entry and gorgeous tile throughout the living room and kitchen, granite counter tops in kitchen with designer high rise cabinets with elegant glass doors, arched entry formal dining room, large walkin pantry, spacious living room and master bedrooms, with a large beautiful bathroom with separate shower and jetted tub. The back covered patio also features tile flooring and even has been extended with concrete for large family gathering.  See this one today....

Search our inventory of homes here:

Building Home Equity Faster within The Greater Fort Hood area

If you are moving to the Fort Hood area one of the first questions a lot of people ask themselves is should they rent or should they buy when they get here?   With interest rates still at an all time low, sometimes your monthly mortgage payment will be less and you get more home than if you where renting.  But monthly payment should not be the only deciding factor!

Before you step into the realm of homeownership the first question you should ask yourself is how long I'm I going to be here?  If you are active duty military, then you know that, moving is just part of the life of a soldier.  So if you know that you are not going to be stationed here 3 to 5 years of more, then you really need to consider your options.

The first option is that renting may be your best option.  If you rent then in a few years you do not have to worry about selling and possibly negative equity.  Negative equity is where not enough time has passed for your home to appreciate in value to cover the amount of money will be required in order for you to be able to sell it.  If you so not have enough equity then the difference will have to be made up by you writing a check for the difference and sometimes that can be a few thousand dollars.

The second option, and one that I think is the best right know for those wanting to purchase, is a 15 year of even a 20 year mortgage.   With interest rates still at an all time low and home prices still affordable, it make sense to do a 15 or 20 year mortgage even if you are going to live here for 30 years or more.   There are so many advantage, especially if you think you may meed to sell your home in 3 to 5 years.  You will save thousands of dollars on interest rate fees, you will build up equity so much faster and you will have the house paid off in half the time of a traditional 30 year mortgage.  And no your mortgage payment is not double of a 30 year mortgage.

If you borrow $100,000 at 3.5% a.p.r for 30 years, your monthly payment excluding taxes and insurance on a VA loan would be about $450.  That same monthly payment on a 15 year loan with the same interest rate would be about $715, not $900, again that would only be your principle and interest.

Jose Segarra
Broker-Owner
Exit Homevets Realty
Killeen, Texas

Home Sales Drop in January 2013 in Killeen and Greater Fort Hood area.

The number of single family homes sold during the month of January 2013 was 162. That was down from the previous month of December 2012 where 185 homes where sold. But when compared to the same time last year, it is almost the same, where 167 homes where sold in January of 2012. For more graph and history of sales within the Killeen, Copperas Cove, Harker Heights and all of the Greater Fort Hood area visit www.RealtySalesData.com

Step one to a successful career in real estate

As a broker and owner of a real estate company, my main job in order to succeed is not to go out and sell real estate, but to find people that can.  I am always approached by those that say they would make a great real estate agent because they are great with people, love to look at houses and are told by some  that they are capable of selling ice to eskimos.  Those may be good motivators to go out and take the real estate courses and pass the exam, but they are not what will keep you in the business for very long.

So what is the first step to be a successful real estate agent?  Being good with people is a great beginning, but most that are good with people have a hard time finding new people.  Yes, new people, people that you do not know and may who may reject YOU!  Real estate is a sales business and not just a sit and wait for customers and clients to call you type sales business.  You have to go out and talk to strangers that see you as a sales person as soon as you call on them and identify yourself as a real estate agent.  Did I mention YOU have to call on people? Yes, lots of people and when you call on lots of people you need to be mentally ready for what knocks so many people out of the business, the fear of rejection.

We all like to believe that we are immune from this real fear, especially when we are taking our first steps to getting into the business.  But in my experience, no one is ever immune from it, including myself after almost 20 years in the business.  We just find way to minimize it as much as possible, not to take it personally and move on to the next one when it does happen.

So the first step in a successful career in real estate and for that matter any new business venture, is to learn how to deal with rejection.  I think in real estate, more than most businesses, it is more difficult because the product we market and sell the most is not the homes themselves but ourselves, the agent, yes YOU.  So agents tend to take it a little bit more personal than someone saying no to a particular house.

My simple solution is "Just get over it!" Real estate is about helping people that need help and want help, no selling, no pressure.  Real estate can be a rewarding career, but not because of the money you may make, but because of the many people that need the guidance of a good real estate expert to help them. The many who thought buying a home was a dream that would never be realized, and now are happy to finally have a place they can truly call their own.

Jose L. Segarra
Broker-Owner
Exit Homevets Realty
Killeen, Texas

Real Estate for Military

Fort Hood is the largest military base in the free world and also where over 60% of the home loans here in Killeen, Copperas Cove, Harker Heights and surrounding areas are VA. So what does it take to get a VA mortgage?

If you served or have served in the military and have been honorably discharged you may be eligible to use your VA guaranteed benefits to get a VA Home Loan.

Here are some if the requirement:
• Served 181 days during peacetime (Active Duty)
• Served 90 days during war time (Active Duty)
• Served 6 years in the Reserves or National Guard
• You are the spouse of a service member who was killed in the line of duty.

You must have done any of ONE of these in order to be eligible for a VA home loan.

Being eligible does not mean that you are automatically approved for a home loan. You still have to meet credit and debt ratio guideline. VA only guarreenteed the loan and does not actually loan any money, so you will still need to work with a mortgage company or bank.

If you are moving to the Fort Hood area and would like more information about home buying, visit us at: www.exithomevets.com

Jose SEGARRA
Broker-Owner
Exit Homevets Realty