Senin, 07 November 2011

Thank A Veteran

Thank A Veteran 


We think of our veterans 365 days of the year, but don't often take the time to say thanks.   Veterans Day, November 11 is the one day of the year that America marks for doing just that.

Growing up in the late 50's and early 60's as children we had a healthy respect for Veterans.  The country as a whole had a great respect for it's Veterans.   After all everyone's Dad and some Mom's were Veterans.   Most of us didn't hear much of their service, but as I said in previous posts, I felt as a child as if I was a Marine because you know, in my family we learned things all Marine.  

My brother and I and our friends used to play "Army" around the streets and woods of our neighborhood.   It was something that was not frowned upon at the time.  We played "combat and rat patrol" (TV series back then).  We grew up looking at Veterans as heroes.    They were role models.    Of course, at the time we were just kids. 

We became teenagers in the late 60's and early 70's.    Vietnam was gearing up and in full swing.    We watched the TV nightly, saw body counts and heard of the battles and other horror stories.    By now, there were protests all over the country.   Many of those friends that we played "combat" with were on one side of the fence or another.   Facing the enemy.. or openly protesting the war.     My male friends were always wondering when their number would come up and what they would do when it did.  Watercolor Frances Palmieri

It was a far different climate during that time.   Respect for folks in uniform was at an all time low.     You didn't see many, if any, folks thanking those Veterans for service to their country.  The country was deeply divided.   Some military personal, while wearing their uniforms were spat on by protesters.  It was a trying time.  One that we should not forget and that taught us a lesson.

I think in part because of that lesson and horror of 911, Veterans of subsequent conflicts and wars are treated with a renewed respect.   And rightly so.

My Dad wears his Iwo Pin proudly.  One day along time ago, a random young guy came up to him and said, "Thank you for your service!"    My Dad smiled warmly and said "You are welcome, young man".  

It brought a tear to my eye then and it does now when I think of that one tiny moment in my life.  

What I learned from that one small interchange was that it is never too late to say Thank you.  It doesn't have to be on Veterans Day that we do it either.    But, November 11 is the day Americans set aside for voicing our appreciation. 

Thanks for your service...   Thanks for your sacrifice....    Thanks for standing up for the rest of us...Thanks being for the role models that you are...

    Thank you!

P.S.   As a country we owe it to these folks that stand tall for all of us to keep their benefits in place and to take care of them when they need our help.    That, is the least we can do.

Carol-Ann Palmieri
Al and Cal Realty Group


508-494-9061

Sabtu, 05 November 2011

Scam or not? Guilty or innocent? Where did all the money go?


Scam or not?     Guilty or innocent?     Where did all the money go?

I'm not sure if this is a sad story or simply a story of a man in court that was resisting the banks attempt to take his home.

I was in Court yesterday, sitting in the gallery.  They called a man up to discuss his case.   It appears his lender had the moving trucks in front of his home.  They had given him a move out order two days ago.   At first glance, it seemed simple enough.    He had fallen back on his payments and his lender was foreclosing.

But, not so fast!    He gets up at the podium and speaks to the Judge.  I don't know if anyone believed his story, but I did.   He tells the Judge that he went for a loan modification and has been paying his money to the loan modification company that was "helping" him.

What happens?   He gets a foreclosure notice or rather several.   He ignores them.   Why?   He has been paying the loan mod company.     Seems the money wasn't getting to where he thought it was.  Now the lenders moving trucks are at "his" house.   He's in court up against the Banks attorneys and it doesn't look good for him at all.

So, scam or not?     Guilty or innocent?  Where did all the money go?

I don't know.   But if the answer is scam then where the heck are the authorities in all this?   Bad enough there are some Americans that are in such financial trouble that they are becoming homeless, but if there are American's who are losing their homes due to scams then this is not acceptable and a crying disgrace.

How do we get ourselves in these situations?  We hear and read of  loan modification programs.  We hear politicians talking about them.    This gives it credability.   Well maybe there is some truth to that out there, but there are also folks who will take your money and then you lose your home.    When we are faced with extremely difficult and emotional decisions it can be easy to throw common sense to the wind.  

10 Warning Signs You Could Be Dealing with a Scammer:caution
  1. A company demands a fee in advance
  2. Offers to negotiate a loan modification for a fee.
  3. Makes unsolicited offers claiming they can help save your home.
  4. Anyone Recommending you break off contact with the lender
  5. Someone recommending you break off contact with a counselor you have been working with
  6. Anyone advising you to stop making mortgage payments.
  7. Someone telling you to send your mortgage payment to anyone other than your loan servicer.
  8. Instructs you to transfer ownership of your property.
  9. Makes verbal promises that aren’t put in writing.
  10. Asks you to sign a document that has blank lines or spaces.

This man in court today is not going to get a loan modification OR his home back.   He did get 10 more days to try and find a place to live and move his stuff out.     Not really the banks fault here, but the man fell victim to a scam.   What a shame.

If you find yourself falling behind in your mortgage, pick up the phone and call the lender as soon as possible.   Call a Realtor.   My general rule of thumb is 30 days late, don't wait.     Head this off at the pass.    Whatever you do, DO not lose your money to a Scam.   Folks, if it sounds to good to be true, it is!

I can help you with your real estate needs.   If you have any questions, please give me a call.
    Carol Ann Palmieri  508-494-9061


Carol-Ann Palmieri
Al and Cal Realty Group


508-494-9061

Kamis, 03 November 2011

Walpole MA Real Estate Market Snapshot for October 2011

It's that time of month again Folks!    

The following flip chart contains information relating to the real estate market in Walpole MA and how it compares with October of 2010.    Good news for the single family home market which shows a slight increase over sales from October of last year.   If you are looking to Buy or Sell in the Walpole MA area, please give me a call.

Walpole MA is considered by many to be a very desirable community known for it's dedication to it's people and it's very good school system.   Just a bit over 20 square miles, it is located about 19 miles South of Boston and 26 miles North of Providence and has easy access to routes 95, 1, 1A, 109 and 128.    There is a station for the Boston commuter rail and it is located on a bus route as well.    There is plenty of shopping and medical facilities are within easy reach.

One of the things that I like the most is the picturesque Norman Rockwell looking town center with it's steeples and gazebo.    I also love the view of the Boston skyline which majestically emerges in view as you drive on route 1 just east of route 27. 

Please give me a call if you are going to make a move in or out of the area or if you just have any questions regarding real estate.    508-494-9061   cal@alandcal.com



Selasa, 01 November 2011

Moving out of Town? The Benefit of Asking Me for A Referral


For years my business cards have read
"I appreciate your referrals."   My communications always end, "I can help anyone with their real estate transactions anywhere! or, "The highest compliment we can receive is your referrals."..

..and, for years I have received my friends, families and former clients referrals for my service area.    In fact, that is my major source of business.    I have been treated very well by my "people" and I appreciate their support and confidence.
moving

It wasn't until recently when a very good client who has referred me lots, and I do mean lots, of business in the past called me excitedly to let me know that they had bought a new home out  of my service area!
I am thrilled  for them, but why hadn't they called me to refer them to an outside agent?

A little bit of thinking and a lot of soul searching tells me that they don't see the benefit in asking me to send them to another agent.

As agents we know there is a benefit for us to receive a referral, BUT, what do our clients perceive their benefit to be?   That's the big question.
In the past, I would go through my list of agents attached to affiliated franchises, go through the agents bios, pick out a few, have a quick chat, and then make a recommendation to my folks about who they might consider and what to expect.
There is  a real Benefit to You

GOOD NEWS FOLKS!    Since joining an on line realtor based social network community some months ago, I have a new approach and it  benefits my clients in a big way!    How's that you ask?
Each and every day, I read blogs with active, educated real estate agents from all over the country.   Not only is this a great source of information to me, BUT by reading their blogs, I have gained insight into their business models and their personalities.   I feel that I truly know some of these folks and feel very confident that they are more than capable to treat my  trusted referrals with the utmost care.   Through their blogs I can see that they know their market intimately and are the leaders in their marketplace.   Their personality shows through the words on the screen and I can make a confident judgment as to good fit for your needs!   

That.. is a big benefit!
 
So my "people", I apologize if I haven't explained how asking me for an out of town referral can help you navigate the maze of a real estate transaction in a far away place, but I hope that I have now.

And in closing,

Is there anyone you know that needs real estate help anywhere in the world?  
Please have the give me a call!



Carol-Ann Palmieri
Al and Cal Realty Group


508-494-9061

Sabtu, 29 Oktober 2011

Mr. Buyer, Please give me your name or I can't show you the home!

This past week, I have had a couple of responses to some Internet advertisements.  While I am thrilled to receive responses to my on line efforts and want desperately to sell these homes for my Sellers, I can not jeopardize my safety or the safety of my Sellers by meeting someone without getting a bit of information first!

The email said, "I saw your home on line and would like to see it Saturday at noon."    someinitials@gmail.com

3 Geneseo Circle Milford Blog
Happy to receive a request for a showing, I replied by asking them to call or to send me their number so that I  could chat with them.     All I get in response is another request for a showing.

I politely respond by asking this person to call me explaining that I can not or would not for my own personal safety meet someone without talking to them or having some personal information first.    The gal called and we are meeting to see the property.

That very day, I get a text from someone looking to see another vacant property.   I call back and ask the person to call me, etc.    Again, no info, no meeting.   This time no response.  

I am wondering if there is  a trend developing here.  With email and texting becoming the first line in communication are home Buyers forgetting that we will need some information from them before showing them homes?   Maybe.

So, Mr. Buyer, I get that you might want to remain anonymous,  but you see, in fairness to me and to my Sellers, I can not meet you with out getting some simple information from you first!


When you request an appointment to see a home, it is best to include  some personal information, like a name and number.    Without that, as much as I want to show it to you, I can not.  I can not speak for other Realtors, but I would like to have a quick conversation with you too.   Are you working with another Realtor?    Have you been pre-qualified by a lender?   You get the idea.   If you decide that the home isn't for you and you don't want to work with me, I promise, I won't hound you or give your information out to another!

So please,  get in touch with me by hook or by crook, but don't be anonymous!
 
Carol-Ann Palmieri
Al and Cal Realty Group


508-494-9061

Jumat, 28 Oktober 2011

3 Geneseo Circle Milford MA Open House Sun 10/30

3 Geneseo Circle Milford MA Open House Sun 10/30 12-2


Please join me for an open house this Sunday October 30th 12-2 at 3 Geneseo Circle in Milford MA.   This home is being offered at $349,900.    This pristine home is set well off the road on over an acre of land in a desirable North Milford neighborhood close to the Hopkinton line and near major commuting routes and some good shopping.    
Close to all that, but you would never know it because this cul de sac location is so peaceful that you can hear a babbling brook and it is so beautiful that you might just see deer right in your back yard!
3 Geneseo Circle Milford MA home for sale
It offers over 2600 square feet of living space.    The kitchen is decked out with a beautiful granite counter top and offers plenty of room for a family gathering.    There is a formal dining area and living/family room with wood stove, cathedral ceilings, skylights and large window that provides a gorgeous view of woodlands!
4 bedrooms and 2.5 baths (all with granite) and a finished family room in the basement with full windows another wood stove and a slider.  Plenty of light and storage make this room a family favorite.
3 Geneseo Circle Milford MA kitchen
In addition there is a farmers porch overlooking a long front yard, a storage shed, deck, 2 car garage, a koi pond, and horseshoe pit.   There is plenty of play and gardening space. 

3 Geneseo Circle Milford Ma QR code




Find more photos and detailed info in the QR code for this property or use this link 3 Geneseo Circle



So, please join me Sunday October 30th 12 -2 for the open house.    You will not be disappointed!
Can't make the open house on Sunday?    No worries, give me a call and I will arrange for a personal tour that will meet your schedule!  
Carol-Ann Palmieri    508-494-9061
Carol-Ann Palmieri
Al and Cal Realty Group


Senin, 24 Oktober 2011

Millis MA Buddy Bowl honors local hero Sgt Deslauriers Nov 19 2011


This years Millis Buddy Bowl honors local hero Sgt. Joe Deslauriers.

A true American Hero, 32 year old Air Force Technical Sergeant, Joe Deslauriers is an Explosive Ordinance Disposal specialist who has served a tour in Kuwait a tour in Iraq and two tours in Afghanistan.   He has received a bronze star.

Sgt Deslauriers was seriously injured while on a mission clearing an area for a convoy where it appears an IED was remotely detonated.     He has suffered the loss of both legs and an arm.    We understand he is up for the challenge and is progressing each day, but the road to recovery will be long and hard.
This local hero from Bellingham MA, and his wife Lisa are expecting their first child in December.

What is Buddy Bowl? 

Buddy Bowl is a charity flag football tournament held to benefit injured troops and their families.    It started in 1977 in San Diego as a fun way to unite a group of friends with a common interest.   In 1999 the Buddy Bowl focus changed to raising money for a worthy cause.   And, in 2003 it because a 501 ( c) not for profit corporation raising money for the military, law enforcement and children's related charities through the annual event.    Today the Buddy Bowl is played across cities and towns.   Teams of men, women and children will compete in these events  and this will be the third year being played in the town of Millis, MA.   



Millis Buddy Bowl November 19, 2011   

You don't have to be from Millis to join!     

What can you do to help? 

  Play, Support, or Donate~
  • We need players!    Sign up to play in the tournament and or start up a team to play.    A  $40 donation per player is a small amount to do some good and have some fun at the same time!   Register at     www.buddybowl.org
  • Send a tax deductible donation to www.buddybowl.org
  • Come down, watch the tournament

We already have several teams signed up but more players and teams will make this event even more  successful and fun!     

Mark your Calenders Now!

Millis MA Buddy Bowl
Saturday, November 19, 2011  (check in time 8 am)
Clyde Brown School
Millis MA


So please, get your friends together and let’s play some football!!!!

Carol-Ann Palmieri
Al and Cal Realty Group


508-494-9061