Home > Blogs > Steve Sisman's Blog
83,669 views

Steve Sisman's Blog

"Keeping Real Estate Simple"

By Stephen E. Sisman | Agent in Media, PA
  • Local Entertainment And Events Calendar

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 8:08 AM  |  17 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    Local Entertainment And Events Calendar


    Enter your ZIP code below to see a calendar of local events for your area.

    Enter the distance from your zip code to search for events. The default is 100 miles but you can select other distances. The closer distance to your zip code, the less events will be found. To see what areas are currently covered in the United States, click here Our partner is constantly adding additional coverage areas.

    This is a great resource when taking trips or going on vacation.

    You can also select the Category of events you are interested in by making your Category selection on the Calendar.

    Have an event you would like to post for FREE? Click here to submit your local event. Examples include fundraising, concerts, shows, meetings etc. All events will be confirmed by telephone.


    Your Comments

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com A caring professional helping friends, neighbors and family achieve stress free real estate transactions...Oh and by the way, I'm never too busy for your referrals!
  • Typosquatters Are Out To Get You

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 8:06 AM  |  14 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    Typosquatters Are Out To Get You


    Typosquatters  are companies that purposely set up websites using misspelled versions of common website addresses. They're lurking out there ready to trick you out of your personal information, according to the World Privacy Forum.

    And the more personal the information you’re likely to give, the more tempting it is for typosquatters to go after you.

    For instance, WPF found hundreds of websites using domain names that were either misspellings or variations of Annualcreditreport.com, the official website where you can order a free copy of your credit report once a year.

    It’s so easy to mistakenly type the wrong website address that WPF says you’re better off just calling to order your federally mandated free credit report (the telephone number is 877-322-8228) than going online to place your order.

    Some of the imposter sites were aimed at getting consumers to order credit monitoring services, while others went to sites where you see a list of links related to credit monitoring (and those links are all ads FYI). 

    Typosquatters don’t just target credit report services, they can turn up anywhere you’d expect to put personal information like your confidential passwords.

    Avoid becoming a typosquatting victim by using bookmarks to go to confidential sites (like online banking) and type carefully when visiting sites where you plan to share confidential information.


    Your Comments

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com A caring professional helping friends, neighbors and family achieve stress free real estate transactions...Oh and by the way, I'm never too busy for your referrals!
  • Get A Deduction For Giving Home Fixtures A Second Life

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 8:04 AM  |  16 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    Get A Deduction For Giving Home Fixtures A Second Life


    If you’re planning a remodel, don’t throw away your washer, bed frame with matching dresser or the tile floor from your bathroom.

    Instead, give them to a salvage store like Habitat for Humanity’s ReStore chain or your local salvage yard. Other homeowners can find your used item and transform it into something unique for their home. And you may be able to deduct the value of the item on your federal tax return.

    When you donate your home’s used fixtures or other building supplies to a ReStore, (almost every state has one) the profits help fund the local Habitat for Humanity. So you’re not only helping someone remodel their home, but also helping Habitat for Humanity build new homes for low-income families.

    You don’t actually have to take your kitchen cabinets to the store, most salvage yards and stores will pick up larger items.

    Some salvage stores, like The Loading Dock in Baltimore, partner with deconstruction specialists who will come into your home and remove your old fixtures in a way that helps maintain their functionality.

    Donating your home's fixtures to a nonprofit can also net you a tax deduction. As long as you itemize your deductions (rather than taking the standard deduction), you can likely claim your contributions on your federal return.

    Get a receipt from the salvage store showing the name of the charity, date of the contribution and a reasonably detailed description of what you donated. If the value of your donations reaches $5,000, you should seek a qualified appraisal.

    Salvage stores are also heavily used when homeowners need uniquely sized doors, windows and other home fixtures to rebuild older parts of cities. Your contribution helps renew your community.

    So if your old kitchen table and wood floor just aren't working out in your home, donate them to a salvage store. You'll help yourself, other homeowners, your community and the environment all in one trip. There can’t be a better remodeling deal

    Tax laws and tax rules are constantly being updated and interpreted. This article contains general information, so please discuss your individual situation with a trusted tax adviser before making tax decisions.

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com A caring professional helping friends, neighbors and family achieve stress free real estate transactions...Oh and by the way, I'm never too busy for your referrals!
  • Is Now The Right Time To Refinance Your Mortgage?

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 8:01 AM  |  19 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    Is Now The Right Time To Refinance Your Mortgage?


    To find the right time for you to refinance, answer these four questions:

    1. What’s your interest rate versus the interest rate you could get today?

    The bigger the difference between your rate and today’s rate, the more you can cut your monthly payment by refinancing. If you have a $100,000 mortgage:

    • At 6 percent, you pay about $600 a month in principal and interest
    • At 5.5 percent you pay about $568
    • At 5 percent you pay about $537

    2. Do you need a more predictable mortgage payment?

    If you've got an adjustable-rate mortgage, refinancing into a fixed rate mortgage lets you lock in a rate, This way you know exactly what your future payments will be. You pay a higher interest rate for that benefit.

    Lenders also make you pay more for ARMs that don’t reset for a long time. The longer the initial rate lasts, the higher the interest rate.

    That's why a 1-year ARM might have a 2.50 percent rate compared with 3.25 percent for a 10-year ARM.

    How much risk are you willing to take to get a lower monthly payment? Can your budget handle potential payment increases if interest rates rise?

    3. How long do you plan to keep your home?

    If you’re in your forever home, then opting for a fixed-rate mortgage locks in your payments for the next 30 years.

    If you plan to downsize into a smaller home in a few years, a 5-year ARM will give you a much lower interest rate and monthly payment than a traditional 15- or 30-year fixed rate mortgage.

    And if your plans don't change, you’ll sell and pay off the loan before the ARM resets to a new rate in year six.

    For each refinance loan you’re considering, your loan officer can show you how much you’ll pay in total during the time you plan to stay in your home.

    Also check to be sure you’ll be there long enough to earn back the money you spend on closing costs.
     
    4. Will you get a tax benefit?

    If you itemize your tax deductions, the interest you pay on your mortgage may be deductible.

    If you take cash out when you refinance and use the money to pay off credit cards or auto loans, you may also be able to deduct that interest.

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com A caring professional helping friends, neighbors and family achieve stress free real estate transactions...Oh and by the way, I'm never too busy for your referrals!
  • 7 Smart Ways To Trick Burglars When You're On Vacation

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 7:59 AM  |  16 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    7 Smart Ways To Trick Burglars When You're On Vacation


    Take some time before you leave on vacation to make your home less vulnerable to burglars and you’ll be able to enjoy your trip that much more:

    1. Install dead-bolt window and door locks. They make it more difficult for someone to break in. Ask your agent if you can get a homeowners insurance discount for installing them.

    2. Burglar alarms are the best way to alert emergency personal that there’s a problem. Installing one could net you a discount of 15 to 20 percent on your homeowners insurance, a savings of $100 to $140 a year for the average homeowner.

    3. Make sure all entry doors have the hinges on the inside. Replacing the front door with a steel model boasts a solid 85 percent return on value, according to Remodeling Magazine's Cost vs. Value report.

    4. Keep your computers off and the Internet disconnected. If someone does break in they won’t be able to access your information and cause more damage.

    5. Don’t give burglars the tools to break into your home. Put ladders, crow bars and anything else a burglar could use to break a window in a locked shed.

    6. Put a timer on the TV as well as the lights. Nothing says you’re home like the flickering lights of a TV.

    7. Install a fake security camera on the outside of your home. Amazon.com sells a dummy camera for about $10. Put it up high so it’s harder to tell it’s fake. 

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com A caring professional helping friends, neighbors and family achieve stress free real estate transactions...Oh and by the way, I'm never too busy for your referrals!
  • 4 Quick Ways To Make Sure You Have Enough Homeowners Insurance

    Posted Under: Quality of Life, Home Buying, Home Selling  |  July 10, 2014 7:55 AM  |  22 views  |  No comments

    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    4 Quick Ways To Make Sure You Have Enough Homeowners Insurance


    Wildfires in the West and the start of Atlantic hurricane season are compelling reminders that you might not have enough homeowners insurance or you have too much and you’re paying for insurance you won’t use.

    “Don’t blindly trust that your insurance company has you fully covered,” warns United Policyholders, a consumer advocacy group. “An insurance salesperson’s main objective is to sign you up as a paying customer. In most cases, they will gather basic info from you, run it through a computer program, calculate your policy limits and give you a fast price quote.”

    Your goal: Buy the right amount of “Coverage A” so you can afford to rebuild after a loss.

    Here are four ways to figure out how much “Coverage A” you need:

    1. The Software Method

    It takes about 30 minutes to buy and use a do-it-yourself online replacement cost estimator. E2 Value “Pronto” ($25), Accucoverage ($8) and HMFacts ($7) are three products you can use.

    2. Get a professional insurance appraisal.

    Hire a building contractor or a professional home replacement cost estimator to estimate your rebuilding cost. Ask your insurance agent if your insurance company offers this service. If not expect to pay a few hundred dollars.

    3. Let your insurance agent do it based on full information about your home.

    Tell a knowledgeable agent about your home’s details and features and be sure to tell him about any valuable possessions or collections. Confirm in writing that your replacement coverage is adequate.

    Buy the largest extended replacement cost endorsement you can afford, this extra coverage pays more than 100 percent of the cost to rebuild.

    4. The Rough Math Method

    Divide your home’s dwelling insurance limit by your home’s square footage. That’s how much per-square-foot money you’ll get from your insurance company.

    Now, contact a contractor to find out the per-square-foot cost of rebuilding a home like yours.

    Multiply your home’s square footage by the local cost per-square-foot to rebuild locally. How does that compare to your Coverage A limit?

    If you need help finding a good insurance agent, contact me. I can refer you to a local expert.

    Courtesy of: 

    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com
     
    A caring professional helping friends, neighbors and family achieve stress free real estate transactions...
    Oh and by the way, I'm never too busy for your referrals!
     
  • Local Entertainment And Events Calendar

    Posted Under: Quality of Life, Home Buying, Home Selling  |  June 19, 2014 6:03 PM  |  52 views  |  No comments
    Stephen Sisman

    Stephen Sisman

    PA Lic# RS218928L DE Lic# RS-0016238
    877.614.2401 ID# 0
    steve@stevesisman.com
    1400 North Providence Rd
    Suite 1000
    Media, PA 19063


    My Website

    Local Entertainment And Events Calendar


    Enter your ZIP code below to see a calendar of local events for your area.

    Enter the distance from your zip code to search for events. The default is 100 miles but you can select other distances. The closer distance to your zip code, the less events will be found. To see what areas are currently covered in the United States, click here Our partner is constantly adding additional coverage areas.

    This is a great resource when taking trips or going on vacation.

    You can also select the Category of events you are interested in by making your Category selection on the Calendar.

    Have an event you would like to post for FREE? Click here to submit your local event. Examples include fundraising, concerts, shows, meetings etc. All events will be confirmed by telephone.

    Courtsey of:
    Stephen E. Sisman


    CSP, e-Pro, REALTOR,

    Designated Short Sale and Foreclosure Resource,

    Certified Short Sale Master Default Intermediary,


    Certified Real Estate Divorce Specialist,

    Associate Leadership Counsel Alumnus,

    a member of the Delaware County Chamber of Commerce,

    a member of the Delaware Small Business Chamber,

    PA Lic# RS218928L DE Lic# RS-0016238

    Keller Williams Real Estate
    610.565.1995 main 
    610.357.6101 mobile
    1400-1000 N Providence Road, Media, PA 19063 * 610.565.2001 fax
    steve@stevesisman.com * www.SteveSisman.com
     
    A caring professional helping friends, neighbors and family achieve stress free real estate transactions...
    Oh and by the way, I'm never too busy for your referrals!
     
« Read older posts
 
Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer